什么是健康储蓄账户?
Learn the ins and outs of an HSA and how to use it to your advantage.
健康 savings accounts (HSAs) were created to give Americans a tax-free way to save for medical costs such as insurance deductibles, 牙科和视力保健. But many people don’t realize that these accounts can also be a powerful financial tool for saving and investing. But how do you determine what an HSA can be used for?
Here’s what you need to know to make the most of your HSA investment option.
- 确定你的资格. 要向HSA存钱，你必须有 高免赔额健康计划(HDHP). 2022年, this is defined as having a minimum annual deductible of $1,400 ($2,800 for family plans) and a maximum out-of-pocket expense of $7,050 ($14,家庭计划100元).
- 理解的贡献. 2022年的最高捐款为3美元,650 ($7,家庭pp王者电子官网300元), 但你可以多捐1美元,000 if you’ll be 55 or older at any point during the year. If your employer contributes to your HSA, that counts toward the limit.
- Consider whether or not you need to use the HSA for medical expenses. Of course, you can use your pre-tax HSA money to cover qualified medical expenses. If your tax rate is 25% and you use your HSA to pay a $100 emergency room co-pay, 这就像只付了75美元的税后钱. But you may want to think about covering your medical expenses out-of-pocket if you can afford to do so and leaving your HSA fund to grow.
HSA的好处
HSAs may help those enrolled in high-deductible health insurance plans (HDHPs) pay for qualified medical expenses. When you’re no longer contributing to the HSA in retirement, it can complement 补充医疗pp王者电子官网 通过帮助管理自付费用来制定政策. In addition to paying expenses, you can also use an HSA as a savings 车辆. 这里有一些充分利用它的方法:
- 剩余资金按年展期. 是的，你可以无限期地这样做. The interest accrued on your savings balance is tax-deferred.
- 缴款至缴税日. 如果你没有达到年度供款限额, you may contribute through the tax-filing date the following spring.
- 如果你想转移资金的话. Your employer may have created your account when you signed up for the HDHP. However, if you'd prefer to use a different HSA, you can arrange to transfer funds. (An HSA is all yours, regardless of whether an employer — present or past — sponsors it.)
- 最大化你的贡献. Contribute the annual limit so you can claim the maximum tax deduction. 如果你55岁或以上，你也可以做 追赶的贡献.
- 用你的HSA投资. Some HSAs allow you to invest the money in mutual funds and stocks, 哪一种可能产生更大的回报. You may need to maintain a minimum amount in the account, 但如果你负担得起的话, 这是一个可以考虑的选择.
- 等着看你的免赔额吧. If your medical bills are infrequent or you can afford to cover the costs, let your savings continue to grow tax-deferred in the HSA. 如果你自己付一些费用的话, keep your receipts so you can request reimbursements once you've met the deductible.)
With a health savings account, the money in an HSA is yours to save. You control how the money is spent and you keep any interest and investment earnings from the account.
