HSA,全称“Health Savings Account”,是一个税前存款账户,用于支付自己、配偶和被扶养人的符合资格的医疗费用。存入HSA的资金不需要缴纳收入税,而且如果当年没有用完,可以自动滚存到下一年(这一点比FSA更灵活)。 HSA账户的利息或投资盈利也是免税的,用于支付符合资格的医疗费用时也不需要缴税。典型的用途包括配近视眼...
HSA,即“Health Savings Account”,中文可译为“健康储蓄账户”。这个账户允许你在税前存入资金,用于支付自己、配偶及被扶养人的合格医疗费用。存入HSA的资金如果当年未用完,可以自动滚存至下一年,这一灵活性使其优于FSA。 💸 免税优势 存入HSA账户的资金无需缴纳收入税。 账户中的利息或投资收益也是免税的。 用于...
选择HSA还是FSA,取决于你的个人情况和医疗支出需求。HSA适合长期储蓄和投资,而FSA适合短期医疗支出。 🔄 如何搭配? 你可以同时拥有HSA和FSA,以便在医疗支出方面获得更灵活的选择。例如,你可以使用FSA支付当前医疗费用,而将HSA资金用于长期医疗储蓄或投资。 👨👩👧👦 我的个人配置: 我和孩子都参加...
” let us explain. An HSA account or HSA plan is a savings account used to pay out-of-pocket medical expenses not covered by insurance. Out-of-pocket medical expenses examples are doctor visits, prescriptions, over-the-counter medicine, lab tests, and hospital stays....
Healthcare HSA vs. FSA: Definitions A Health Savings Account (HSA)is a savings account that enables you to set aside money to cover qualified medical expenses, tax-free. Eligible expenses include deductibles, copays, coinsurance, and other costs depending on your plan, allowing you to reduce ...
Because money in an HSAcan be investedand tapped after age 65, it's considered a good tool to build your retirement nest egg. Unlike most FSAs, the balance in an HSA rolls over from one plan year to the next and your account goes with you if you leave your job. ...
An HSA and an FSA may be similar, but there are key differences between the two — namely, an HSA requires the account holder to have a high-deductible health plan.
An HSA is similar to a personal savings account, although the money paid into the HSA is earmarked for paying health care expenses. You’re the owner of an HSA account — unlike an FSA, which your employer owns. This gives you more control of the funds compared with an FSA. Like an ...
FSA (or HSA plus limited purpose FSA) comes down to your personal financial situation as well as your and your family's health. And if you don't have a choice between HSAs and FSAs due to your health plan or company's offerings, don't worry about which account may be optimal. Both...
HSAs and FSAs may look similar at first glance, but they are very different in practice. While both are tax-advantaged savings accounts, there are key differences you should keep in mind as you evaluate each account type. Qualifications to open an HSA or FSA ...