| Feature | Healthcare without FSAs and HSAs | Healthcare with FSAs and HSAs |
|---|---|---|
| Annual Income | $40,000 | |
| FSA contribution | $0 | $1,300 |
| Taxable income | $40,000 | $38,300 |
| Estimated tax withholding | $9,668 | $9,345 |
| Estimated health expenses | $1,300 | $0 |
| Net pay | $29,345 | $29,003 |
| Estimated tax savings | $0 | $345 |
