t**********n
发帖数: 213 | 1 就是传说中放点钱进去,留着看病买药,tax-free的那种Health Saving Account
公司那边没听说有这个,是不是该去自己放IRA的地方去建这个account? |
k***n
发帖数: 3158 | 2 you can setup an HSA account only if your health insurance is a High
Deducbile
one. And if you really are, you should be able to find HSA information from
your insurance.
【在 t**********n 的大作中提到】
: 就是传说中放点钱进去,留着看病买药,tax-free的那种Health Saving Account
: 公司那边没听说有这个,是不是该去自己放IRA的地方去建这个account?
|
b**********g
发帖数: 534 | 3 You have to have a CDHP (Consumer Driven Health Plan) coverage to be
qualified for HSA/HRA account.
Usually when you purchase the CDHP coverage through your employer,
they automatically setup your HSA/HRA account with the HSA/HRA administrator.
It surely can be obtained with individual coverage, but I doubt you can
benefit from that if you already have group coverage.
【在 t**********n 的大作中提到】
: 就是传说中放点钱进去,留着看病买药,tax-free的那种Health Saving Account
: 公司那边没听说有这个,是不是该去自己放IRA的地方去建这个account?
|
b**********g
发帖数: 534 | 4 Wrong, you can have regular high deductible coverage w/o HSA/HRA attached.
CDHP has to have deductible over $1200 as of now, and most likely
employer contribution is necessary.
from
【在 k***n 的大作中提到】
: you can setup an HSA account only if your health insurance is a High
: Deducbile
: one. And if you really are, you should be able to find HSA information from
: your insurance.
|
t**********n
发帖数: 213 | 5 err... 好像明白一点了,回头再问问公司吧。
对了，你是food版以前经常做好吃的碧波吧，多谢~~
administrator.
【在 b**********g 的大作中提到】
: You have to have a CDHP (Consumer Driven Health Plan) coverage to be
: qualified for HSA/HRA account.
: Usually when you purchase the CDHP coverage through your employer,
: they automatically setup your HSA/HRA account with the HSA/HRA administrator.
: It surely can be obtained with individual coverage, but I doubt you can
: benefit from that if you already have group coverage.
|
t**********n
发帖数: 213 | 6 deductbile都不低啊，比如想去拔个智齿，配个眼镜什么的……
我再去研究一下insurance吧
from
【在 k***n 的大作中提到】
: you can setup an HSA account only if your health insurance is a High
: Deducbile
: one. And if you really are, you should be able to find HSA information from
: your insurance.
|
b**********g
发帖数: 534 | 7 To be a CDHP product, the deductible has to be at least 1200 as of now,
which will increase in the coming future.
That's the point of the plan, you have a high deductible plan
and your employer will contribute a big portion of the deductible
to the HSA account. You manage how you want to spend the money.
Thus you will be more careful about how to spend the money.
All the money contributed to HSA is tax free if being
used for health care related purpose.
Wisdom teeth is treated as 2nd or 3rd tier
【在 t**********n 的大作中提到】
: deductbile都不低啊，比如想去拔个智齿，配个眼镜什么的……
: 我再去研究一下insurance吧
:
: from
|
u**o
发帖数: 4652 | 8 I got it setup throuth my company.
My health insurance deductible is not that high? |
f****t
发帖数: 1063 | 9
administrator.
why? even for $100 deductible, you can set up HSA to pay for it?
【在 b**********g 的大作中提到】
: You have to have a CDHP (Consumer Driven Health Plan) coverage to be
: qualified for HSA/HRA account.
: Usually when you purchase the CDHP coverage through your employer,
: they automatically setup your HSA/HRA account with the HSA/HRA administrator.
: It surely can be obtained with individual coverage, but I doubt you can
: benefit from that if you already have group coverage.
|
s****i
发帖数: 2993 | 10 many plans dental and vision are separate from medical.
【在 t**********n 的大作中提到】
: deductbile都不低啊，比如想去拔个智齿，配个眼镜什么的……
: 我再去研究一下insurance吧
:
: from
|
s****i
发帖数: 2993 | 11 if company doesn't offer limited purpose FSA,
then I can only use either FSA or HSA,
but not both. my brains ain't working now,
so can't figure out which is better.... |
S****2
发帖数: 9 | 12 去年的MEDICAL PLAN是HIGH DEDUCTABLE的，所以有HSA。今年换了EMPLOYER， MEDICAL
PLAN不是HIGH DEDUCTABLE， 所以没有HSA。但是去年的HSA还有余额，请问我今年可
以用吗？
谢谢。 |
k***n
发帖数: 3158 | 13 I believe you can
MEDICAL
【在 S****2 的大作中提到】
: 去年的MEDICAL PLAN是HIGH DEDUCTABLE的，所以有HSA。今年换了EMPLOYER， MEDICAL
: PLAN不是HIGH DEDUCTABLE， 所以没有HSA。但是去年的HSA还有余额，请问我今年可
: 以用吗？
: 谢谢。
|
k***a
发帖数: 1104 | 14 HSA 任何时候都可以用在QULIFIED MEDICAL EXPENSE. 没有时间限制。 而且， 65后
还可以拿出来， 而没有penalty.
MEDICAL
【在 S****2 的大作中提到】
: 去年的MEDICAL PLAN是HIGH DEDUCTABLE的，所以有HSA。今年换了EMPLOYER， MEDICAL
: PLAN不是HIGH DEDUCTABLE， 所以没有HSA。但是去年的HSA还有余额，请问我今年可
: 以用吗？
: 谢谢。
|
