FSA/HSA Lost Revenue Calculator

Estimate your monthly opportunity. Planning estimate only.

Your practice

Enter the numbers you already know. Defaults are conservative planning estimates from the FSA/HSA audit SOP.

Monthly paying patients

Patients you bill per month (A)

Average ticket ($)

Per-visit revenue (B)

Patients with FSA/HSA access30%

Industry planning default is 30%

Currently using FSA/HSA at your practice15%

Your self-reported utilization (E)

Target utilization50%

Audit benchmark: 50%

Card decline rate (last 90 days)15%

Default 15% if unknown (F)

Declines that become lost sales30%

Default 30% if unknown (G)

Recovery rate (with new SOP)70%

Default 70% — share of lost sales recoverable

Estimated monthly opportunity

Conservative$2,457/ mo

Likely$4,914/ mo

Stretch$6,388/ mo

Annualized (likely)$58,968

Potential lift over today+14%

Likely monthly opportunity ÷ today's cash-pay revenue.

Where this number comes from

The Likely figure above is today's revenue plus two stackable lifts.

Today's cash-pay revenue$36,000

Paying patients × average ticket. The baseline we're growing from.

+ Lift from higher FSA/HSA use$3,780

Moving FSA/HSA use from your current rate up to ~50% of eligible patients.

+ Recovered declined cards$1,134

Recapturing ~70% of sales currently lost when an FSA/HSA card declines.

= New monthly run-rate$40,914

What the Likely scenario implies once both fixes are in place (+14% over today).

Planning estimate only. Uses conservative defaults from the FSA/HSA audit SOP, not audited industry data. Re-test after 30 days of tracked FSA/HSA activity. Not tax or legal advice.