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HSA vs FSA:哪种更适你? 在美国,医疗保险的免税账户主要有两种:HSA(健康储蓄账户)和FSA(灵活开支账户)。让我们来详细了解一下这两种账户的区别和用途。 HSA:健康储蓄账户 💉 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...
HSA vs FSA:谁更胜一筹? 🌐 HSA账户全解析 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...
questions along the line of, “which is the better option, Flexible Spending Accounts (FSA) or Health Savings Accounts (HSA)?” That’s why I am making a post today to examine all the pros and cons of each type of savings account and help you decide the best option for your own ...
FSAs and HSAs are pre-tax medical expense accounts offered by employers which can be used for eligible health care expenses, including prescription eyewear. FSA is a "use it or lose it" program which runs January 1-December 31. The funds must be used by the end of the year or else you...
Health savings account (HSA) Flexible spending account (FSA) Eligibility requirements You must have a high-deductible health plan (HDHP) to save to an HSA. Your employer must offer this benefit. Contribution limit Higher contribution limits, including the option to double contributions for families...
不受HDHP限制:与FSA账户相似的HSA账户(Health Savings Account)在开通时要求员工选择高免赔额的健康保险及比较差的健康保险,但是FSA账户不受HDHP要求限制,即使员工选择较好的健康保险计划,也可以开通FSA账户。 应用广泛:FSA的使用不仅限于医疗费用,目前许多非处方药、母婴用品以及护肤品,凡是带有FSA Eligible字样的产品...
HSA vs. FSA in a nutshell HSAs and FSAs both give you a way to use pre-tax money to cover qualified health care expenses. Understanding the details about who’s eligible for each account and how they work can help you make a more informed decision when it comes time toshop for health...
You must have an HSA-eligible health plan as your only health insurance. Yes You must be enrolled in the plan through your employer. Yes You can use the funds for qualified medical expenses in retirement. Yes HSA vs. FSA: Which is better? If you're eligible for both an HSA and ...
Workplace Benefits HSA vs. FSA: Key Differences & Which Is Right for You 3 min read | Mar 14, 2025 Depending on your health insurance plan and your employer, you may have access to a health savings account (HSA) or a flexible spending account (FSA). Both HSAs and FSAs are tax-free...