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关于美国Health Savings Accounts (HSA)的详细说明

by JC, published: 2012-10-14 14:42 viewed: 935 times
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Below are highlights of the HSA account.

Health savings accounts are like personal savings accounts, but the money in them can only be used for health care expenses. You — not your employer or insurance company — own and control the money in your health savings account. The money you deposit is not taxed, and you can invest it in stocks, bonds and mutual funds. To be eligible to open a health savings account, you must have high-deductible health insurance plan.

In recent years, the contribution limits are about $3,000 for individuals and $6,000 for family coverage. The limits are indexed for inflation and adjusted each year. Unspent money in your HSA can be rolled over each year.

If your employer offers a high-deductible insurance plan, you may be able to deposit money into an HSA on a pretax basis. If you open an HSA on your own, you can deduct your deposits when you file your income taxes.

You can withdraw money from a health savings account for nonmedical expenses, but if you do so before 65 years old, you have to pay taxes and a 10% penalty. Otherwise if you take money out after you turn 65, you don't have a penalty, but you must still pay taxes on the money.

Summary:

The problem with HSA is the high deductible amount, when you go to see doctors, except for regular once a year health check, you need to pay everything by yourself first, and then when that is maxed out, say $2000 a year, you do not need to pay anything. Also the worst is when you switch jobs, you need to pay another $2000 if you still use HSA. Many startup companies still use it as it costs the company less.

HSA最适合年轻人, 没有病的人和生大病的人,或者是年轻人或者是药瓶子,不然应该不如传统的low-deductable的计划。但是HSA可以每年存下钱来,留到老了再用。不象FSA,每年底用不完.

Reference:
Health savings accounts: Is an HSA right for you?
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