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。
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...
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. ...
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, 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-...
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 Employers need employees to adopt and engage with their benefits and one way to...
Limited Purpose Flexible Savings Account (LPFSA) vs. Health Savings Account (HSA) Just like an LPFSA, an HSA has the advantage of letting you contribute pretax dollars, so it’s a good way to make yourout-of-pocket medical expensesmore affordable. However, HSAs are broader—they cover a...
Alex Morrell
A different type of FSA—a"limited purpose flexible spending arrangement" (LPFSA)—refers to a savings plan that can be used along with ahealth savings account (HSA), which isn't allowed for a standard FSA. Contributions are made usingpretax earnings. ...