明年公司开始提供 High deductible medical plan和HSA. 对于不怎么看医生的有点动心。annual deductible: 3000, annual out of pocket limit:5000. 对于这个 out of pocket limit:5000,是不是花到5000,以后就不用自己掏钱了?
明年公司开始提供 High deductible medical plan和HSA. 对于不怎么看医生的有点动心。annual deductible: 3000, annual out of pocket limit:5000. 对于这个 out of pocket limit:5000,是不是花到5000,以后就不用自己掏钱了?
明年公司开始提供 High deductible medical plan和HSA. 对于不怎么看医生的有点动心。annual deductible: 3000, annual out of pocket limit:5000. 对于这个 out of pocket limit:5000,是不是花到5000,以后就不用自己掏钱了?
An HSA Investing Secret: Shoeboxing Receipts HSA funds withdrawn for non-medical expenses after 65 are only subject to regular income taxes (no 20% penalty). Here’s an easy trick that will allow you to maximize your invested HSA dollars, then use those funds tax-free for anything you want, even before you turn 65. There’s no deadline for when you have to reimburse yourself for eligible expenses from your HSA. This means that if you pay for eligible medical expenses out-of-pocket rather than using HSA funds, you can reimburse yourself years or even decades down the road. By doing this, your HSA balance can grow tax-free through interest on your principal and investment earnings. When you pay out-of-pocket for eligible medical expenses, you’ll want to archive the receipts in a shoebox or app to show the IRS they were qualified. Then, down the road, you can reimburse yourself tax-free for years of medical expenses after your HSA has grown from years of compounding interest. And here’s the best part, you can use those reimbursed HSA dollars on anything you want. Boat, vacation, whatever you like … it doesn’t have to be medical at all. It’s like pulling money out of your 401(k) and not having to pay taxes on it.
明年公司开始提供 High deductible medical plan和HSA. 对于不怎么看医生的有点动心。annual deductible: 3000, annual out of pocket limit:5000. 对于这个 out of pocket limit:5000,是不是花到5000,以后就不用自己掏钱了?
具体看保险条款
啥好处呀,取出来的时候要交税的。
如果对自己的身体比较有信心,这种plan应该省不少钱…
明年公司开始提供 High deductible medical plan和HSA. 对于不怎么看医生的有点动心。annual deductible: 3000, annual out of pocket limit:5000. 对于这个
out of pocket limit:5000,是不是花到5000,以后就不用自己掏钱了?
HSA contribution is pretax的。以后就算不是high deductible plan了,HSA的钱还是可以拿来看病。HSA distributions for eligible medical expenses不用交税的。
明年公司开始提供 High deductible medical plan和HSA. 对于不怎么看医生的有点动心。annual deductible: 3000, annual out of pocket limit:5000. 对于这个
out of pocket limit:5000,是不是花到5000,以后就不用自己掏钱了?
不需要,但只能用于医疗开支。
这是可以的。HSA设立了后,之后的medical expenses都可以从account里头付。
而且,只要有receipt,HSA允许以后再报销。
An HSA Investing Secret: Shoeboxing Receipts HSA funds withdrawn for non-medical expenses after 65 are only subject to regular income taxes (no 20% penalty). Here’s an easy trick that will allow you to maximize your invested HSA dollars, then use those funds tax-free for anything you want, even before you turn 65. There’s no deadline for when you have to reimburse yourself for eligible expenses from your HSA. This means that if you pay for eligible medical expenses out-of-pocket rather than using HSA funds, you can reimburse yourself years or even decades down the road. By doing this, your HSA balance can grow tax-free through interest on your principal and investment earnings. When you pay out-of-pocket for eligible medical expenses, you’ll want to archive the receipts in a shoebox or app to show the IRS they were qualified. Then, down the road, you can reimburse yourself tax-free for years of medical expenses after your HSA has grown from years of compounding interest. And here’s the best part, you can use those reimbursed HSA dollars on anything you want. Boat, vacation, whatever you like … it doesn’t have to be medical at all. It’s like pulling money out of your 401(k) and not having to pay taxes on it.
是一个人的话不太好,都高了
5000后没有coinsurance了吗? 有的好像是in network 是包90%,自己给10%, out network 又有不一样的算法。
coinsurance是after deductible, before max out of pocket.
另一个好处,一般是ppo plan,看专科不用refer,真有病了比hmo好使。
最大的好处,就是上面说的hsa,你只有high deductible plan才允许存hsa。不管公司给不给钱,自己每年or家庭每年3500/7000,比401k还好用。具体怎么好有位层主给出了。
适合人群:平时看病不多,小病也不多。假设一年生病1-4次,都是简单医生visit,花费1000左右。如果真有大病,5000cap了。如果平时一年看病10几次,那你就得算算值不值了。
非HSA的PPO也是一样算的
in和out network各有一个limit
非HSA的PPO比HSA的PPO保费要高
另外HSA公司一般会给一点钱
所以要自己估算哪个划算
基本不看病的,HSA应该比较好
看些小病,但不算太多的,可能非HSA PPO能花费少点
看病多的,花到out of pocket上限的,差别应该不太大
5000一般是全家的cap
每个人的话3000左右吧
如果公司有limited FSA,这钱用于dental, vision,比用hsa里的钱合算,hsa的钱可以投资
HSA 存满7100,还能再存limited FSA medical吗?
几年前的账单也可以吗?FSA是有时间限制,必须当年的
但是一旦需要看病会出更多的钱。
任何时候都可以报销吗?还是有时间要求呢?谢谢。
只要是开始HSA帐号之后的都可以,没有deadline,但要注意保留收据。
一般不可以的
我今年hd的plan,结果意外怀孕了,捶胸顿足没选hmo。但现在快到年底了,整年的开销差不多明了了,把今年的看病开支+premium-hsa company contribution在两个plan下算了net cost,又把明年怀孕+生娃可能产生的开支model了一下,发现hd比hmo一年也就贵小几百,好处是可以存hsa、看specialist不需要referral。
当然我的分析只适用于我公司的plan。但我觉得同一个公司提供的plan应该把各种scenario都model过了,不会差特别离谱。
身体好、不需要长期吃药、不打算怀孕就果断hd。
我今年hd的plan,结果意外怀孕了,捶胸顿足没选hmo。但现在快到年底了,整年的开销差不多明了了,把今年的看病开支+premium-hsa company contribution在两个plan下算了net cost,又把明年怀孕+生娃可能产生的开支model了一下,发现hd比hmo一年也就贵小几百,好处是可以存hsa、看specialist不需要referral。
当然我的分析只适用于我公司的plan。但我觉得同一个公司提供的plan应该把各种scenario都model过了,不会差特别离谱。
有家庭,有儿童的,不适合这个。
看公司
我们的ppo和hsa ppo差别不大
如果超出out of pocket limit的话
前者是1500,但是保费一年贵500
后者是3000,公司给1200
算下来hsa还花费少一些
我们公司如果选择high deductible PPO, 我们一年的保费加上annual deductible max 是 $3144, 如果达到max out of pocket 一年是$5144, 上面这个钱已经把公司给的contribution 减出来了。
如果选择HMO,一年的保费 $3276 每次看医生$0-15 copay, 0 deductible.
以前没用过PPO,不知道会不会很容易用完high deductible, 然后reach max out of pocket? 求指教。
看公司,我们公司有,但是是limited的,只能用于dental & vision,用不完的可以有$500 roll over to next year.
我俩的比较相似,不管咋算都是HSAHDHP比较划算,而且也不用refer要看病的时候直接约专科就可以。
有的可以有的不可以,要看你的plan details
HSA存在的前提就是一定是high deductible plan,2019年规定的最低deductible是$2700.
为啥呢?留在账户里会涨钱吗?求指点
可以投资,并且收益部分只要用在medical cost就taxfree