If your beneficiary is a person but not your spouse the account will be changed to a taxable account in the name of that beneficiary and the full value becomes taxable to your beneficiary in the year of your death. This transfer is completed free of probate. 退休之后,HSA account可以同IRA一样用,要先用 否则孩子继承的时候,HSA就变成了普通taxable account,全部balance等于你孩子们的当年收入去交税 当然SS税是不需要交的,因为交过了
If your beneficiary is a person but not your spouse the account will be changed to a taxable account in the name of that beneficiary and the full value becomes taxable to your beneficiary in the year of your death. This transfer is completed free of probate. 退休之后,HSA account可以同IRA一样用,要先用 否则孩子继承的时候,HSA就变成了普通taxable account,全部balance等于你孩子们的当年收入去交税 当然SS税是不需要交的,因为交过了
poppyjasper 发表于 2022-12-02 16:25
ah you are right on this. I know they changed IRA inheritance law recently was this a recent change too?
Yes. That's why you do it when the adults are relatively young and the kids are relatively older and all have a less chance of getting sick. Also it helps when both adults have insurances so one can choose HSA the other not. Keep in mind also some employers contribute to the HSA so that lessens the blow when one does get sick.
Yes. That's why you do it when the adults are relatively young and the kids are relatively older and all have a less chance of getting sick. Also it helps when both adults have insurances so one can choose HSA the other not. Keep in mind also some employers contribute to the HSA so that lessens the blow when one does get sick. yolandos 发表于 2022-12-02 23:36
#2: 现在的医疗需求就应该用HSA来支付,余额留着再投资。原因是,老了的医疗需求和现在的医疗需求都是需求,应该给现在的需求更多priority;另外,说不好听的,里面攒那么多HSA资金能否用的上还是个未知数呢,既然现在能切实用上,就应该用。
HSA里的钱到底该不该现在就用呢?
取消 这个在美国应该不至于。。至少应该会grandfathered
#1 because it is triple tax free. (except for CA and NJ)
I had HSA only for a year many years ago now it is over 10K.
PS. oops, just checked it actually dropped right below 10K today.
那你什么时候用HSA账户里的钱呢?
MARK
when all other funds are exhausted. of course I scanned/kept all the medical receipts so I can take them in a blink.
deleted
没有全都triple tax free,别误导。加州存的时候不免州税,投资收益也是要交税的。
the account will be changed to a taxable account in the name of that beneficiary and the full value becomes taxable to your beneficiary in the year of your death.
This transfer is completed free of probate.
退休之后,HSA account可以同IRA一样用,要先用
否则孩子继承的时候,HSA就变成了普通taxable account,全部balance等于你孩子们的当年收入去交税
当然SS税是不需要交的,因为交过了
OK lucky you to be in California (or NJ).
另外建议你把你的所有的医疗账单都扫描或者下载下来,现在不要报销,以后等用钱的时候再报。这就相当一个随用随取的投资账户。
所以还是要养儿防老啊!-- 生了儿子的大妈
ah you are right on this. I know they changed IRA inheritance law recently was this a recent change too?
老了我替人坐月子去,能赚好多钱呢
what's that supposed to mean?
哦,那还不错,现在的账单即使用了信用卡支付了,以后还可以再从HSA账户里reimburse?
那你还存ira,401K干嘛。hsa不会被forfeited的,就是你的钱啊。
2002.11,到2022.11,每月250投大盘,每年3千,现在是18万8。三倍。
1992.11投三十年,现在是42万。
一直跑步,做月子保姆都没有问题的
这辈子不需要别人照顾我
FSA用不完清零,才会买这些东西。HSA楼里的人在讨论留着长利息到老了才用,谁会用来买这些东西
Yes. That's why you do it when the adults are relatively young and the kids are relatively older and all have a less chance of getting sick. Also it helps when both adults have insurances so one can choose HSA the other not. Keep in mind also some employers contribute to the HSA so that lessens the blow when one does get sick.
By the same token why would you contribute to 401K or for that matter saving for retirement i.e. backdoor roth?
但感觉哪怕是年轻人很少生病的,这个事也很难预测。比如那我来说,有时候突然病毒性感冒扁桃腺发炎,撑不住的时候还是得去看个医生,或者是姨妈有时候不正常。哎,就是很难保证自己一年不用看医生。雇主虽然给存钱,但看一次病还是死贵送的那点钱一会儿就没了
那个是FSA的medical, 今年可以roll over500,除此之外用不完就过期了
楼里讨论的是HSA,HSA不会过期,可以一直存在账户里,就算你离职了,也会一直跟着你。
全投资股市了,今年损失惨重,不过以前涨的很多
理论上不能现在用,但是要是现在突然有好几万的医疗支出呢?不花HSA就要卖其他税后股票帐户了。这怎么办呢?
LOL, never say never
从2015年起陆陆续续投了近5w,现在20w,最高时曾经到过27w。
谢谢,我去研究一下, 以前没听说过还要单独开HSA bank, 以为放HSA 的那个账户就是HSA bank 呢
一般high deductible plan premium 比别的少很多。如果只是偶尔生病也就是几百刀,比普通plan多交的premium便宜多了。
你说现在的股市和30年以后的股市比哪个可能更高呢?
可以。而且当然应该先用FSA,FSA只能当年使用,过期钱花不完就作废了,有些公司有grace period,也就两三个月。除非你预知当年有大的医疗开销(比如看牙,生娃之类的),否则投多了,到年底突击花钱还是个头疼的事。
首先看看你employer那里的HSA账户,一般他们也是外面银行管理的,都会提供投资的选项,当然基金选项有限。不过好处是直接从工资扣,很简单。
外面很多银行也都提供HSA 账户,不过转钱麻烦一点。自己直接转钱的话,会损失一些Tax Benefit。因为payroll deduction和direct personal contribution在tax上有些差别,前者在payroll上都免除了,后者income tax在报税时可以要回来,但是 SS tax和medicare tax都不会免除。当然你也可以从公司的HSA账户转钱,不过一般都需要手续费,一年转一次还可以,月月转就不值得了。
我们的high deductible月费和kaiser的hmo月费一样 后者不需要deductible
FSA 每个公司都可以rollover 吗?
iRS 规定可以,但是具体要看公司有没有实行
你怎么保证你需要用的时候大盘不是跌在谷底? HSA是2004年才开始有的,那时每年只能放2000多。不是每个雇主都给的,一般那些为了省钱的雇主才offer这个选项。 好的单位保险都是low deductible,根本没有high deductible选项。
TDAmeritrade能开HSA账户吗?
我们的是一半儿,HDHP是PPO的一半儿,加上雇主还给match一部分,如果不怎么需要看医生,是更好的选择。
可以的,但是要收据