在美国,有两种常见的税前医疗账户:HSA(Health Saving Account)和FSA(Flexible Spending Account)。这些账户允许你将税前收入存入,用于支付医疗费用,从而减少税务负担。 为什么选择这些账户?🤔直接用现金支付医疗费用当然可以,但通过HSA和FSA账户,你可以享受税收优惠。美国的收入税很高,通过这些账户,你可以将用于医疗的费用...
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...
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 ...
HSA FSA Description Personal savings account to pay for current and future medical expenses Save tax-free money through regular payroll deductions for medical expenses during the year Eligibility For individuals with High Deductible Health Plan All individuals with employer-provided health plans Contribution...
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...
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...
🌟 选择FSA还是HSA的关键在于保险选择。如果你预计每年看医生的次数较少,选择HSA可能不太划算,因为你需要先支付3500美元的免赔额加上20%的自付部分。 🌟 FSA余额每年最多可以滚存至640美元,而HSA余额则可以像投资账户一样累积,不会过期。 🌟 报销范围:FSA和HSA可以报销的范围相同,除了免赔额和保险费用,其他...
Below,CNBC Selectbreaks down what you need to know about HSAs and FSAs, including how they work, how they differ and which may be the right account for you. HSA vs. FSA What is an HSA? Designed to cover qualified medical expenses, an HSA can either be sponsored by an employer or ope...
Health benefits and health insurance plans contain exclusions and limitations. See all legal notices Also of interest: Flexible spending accounts (FSAs) for individuals Health savings account (HSA) benefits What's an HSA, and why should you have one?
How do you choose which account type is best for you? Let’s explore the advantages of each to help you decide which wins in HSA vs FSA. Health Savings Accounts Ways Health Savings Account Matching Benefits Employers Lauren Hargrave · October 13, 2023 · 7 min read ...