This simple test can help determine whether HSAs will work for you, regardless of how many employees you have—even if only one (i.e., you are self-employed).
If the above total is over 20 points, your business can benefit from
participating in an HSA program. If the total is higher than 100 points,
your business may reduce operating costs by a significant margin with
an HSA strategy in place in the current tax year.
If the above total is lower than 20 points, you may not have the necessary
cash flow or capital to get the best benefit from the HSA program. If
this is the case, meeting with a tax advisor this tax year may help achieve this goal in future years.