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: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。
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 ...
you need to decide which one is best for you. Remember that to qualify for an HSA, you must have a high deductible health plan. Once you are enrolled in an HDHP, the health insurance plan will likely refer you to a bank to house your HSA account. ...
FSA vs HSA What is the difference between a flexible spending account and a health savings account? Account that allows employees to pay eligible out-of-pocket expenses tax-free Bank accounts in employees' names that allow employees to save and pay for eligible medical expenses tax-free...
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...
🌟 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...
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. How does an FSA work? Like an HSA, an FSA reduces your taxable income by allowing pre-tax contributions. However, you can'tinvest the money you ...
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, FSA, HRA: What’s the difference?Key takeaways: You can use HSAs, FSAs and HRAs for eligible medical expenses. An HSA is portable. That means you can take it with you if you leave your job. You can’t do the same with an FSA or an HRA. Funds in an HSA can grow tax-...