大家好,要enroll新的保险了,想用HSA plan,有2000 deductible per person和4000 per family, out of pocket maximum也是2000每人,4000每个family。但是我 enroll的就是family,是不是我不eligible for 2000 deductible/OOP maximum,只 能想meet 4000 才能让保险cover the remainder?
换句话说,就是哪怕一个人做手术花了5000,我们也要先交4000,然后保险cover the rest?因为deductible和OOP maximum一样,所以如果超过deductible就只交4000刀, 不再多交了,对吧?
【 在 disney2014 (Mickey!) 的大作中提到: 】 大家好,要enroll新的保险了,想用HSA plan,有2000 deductible per person和 4000 per family, out of pocket maximum也是2000每人,4000每个family。但是我 enroll的就是family,是不是我不eligible for 2000 deductible/OOP maximum,只 能想meet 4000 才能让保险cover the remainder? 换句话说,就是哪怕一个人做手术花了5000,我们也要先交4000,然后保险cover the rest?因为deductible和OOP maximum一样,所以如果超过deductible就只交4000刀, 不再多交了,对吧?
【 在 disney2014 (Mickey!) 的大作中提到: 】 大家好,要enroll新的保险了,想用HSA plan,有2000 deductible per person和 4000 per family, out of pocket maximum也是2000每人,4000每个family。但是我 enroll的就是family,是不是我不eligible for 2000 deductible/OOP maximum,只 能想meet 4000 才能让保险cover the remainder? 换句话说,就是哪怕一个人做手术花了5000,我们也要先交4000,然后保险cover the rest?因为deductible和OOP maximum一样,所以如果超过deductible就只交4000刀, 不再多交了,对吧?
【 在 disney2014 (Mickey!) 的大作中提到: 】 大家好,要enroll新的保险了,想用HSA plan,有2000 deductible per person和 4000 per family, out of pocket maximum也是2000每人,4000每个family。但是我 enroll的就是family,是不是我不eligible for 2000 deductible/OOP maximum,只 能想meet 4000 才能让保险cover the remainder? 换句话说,就是哪怕一个人做手术花了5000,我们也要先交4000,然后保险cover the rest?因为deductible和OOP maximum一样,所以如果超过deductible就只交4000刀, 不再多交了,对吧?
【 在 disney2014 (Mickey!) 的大作中提到: 】 但是这个HSA可以存钱免税啊,而且有company contribution啊,一年有2500 company contribution。 我enroll as a family,所以必须meet family deductible,也就是4000才能 insurance starts to cover。
【 在 disney2014 (Mickey!) 的大作中提到: 】 大家好,要enroll新的保险了,想用HSA plan,有2000 deductible per person和 4000 per family, out of pocket maximum也是2000每人,4000每个family。但是我 enroll的就是family,是不是我不eligible for 2000 deductible/OOP maximum,只 能想meet 4000 才能让保险cover the remainder? 换句话说,就是哪怕一个人做手术花了5000,我们也要先交4000,然后保险cover the rest?因为deductible和OOP maximum一样,所以如果超过deductible就只交4000刀, 不再多交了,对吧?
How the Family Deductible Works for Most Health Insurance Most family health insurance policies have both individual deductibles and family deductibles. Each time an individual within the family pays toward his or her individual deductible, that amount is also credited toward the family deductible. Coverage begins for any particular individual as soon as he or she has met his or her individual deductible. Coverage begins for the entire family, even those family members who haven’t met their individual deductibles yet, as soon as the family deductible is met.
There are two ways a family health insurance policy will begin to pay benefits for a particular individual within the family.
If an individual meets his or her individual deductible, health plan benefits kick in and begin to pay health care expenses for that individual only, but not for the other family members. If the family deductible is met, health plan benefits kick-in for every member of the family whether or not they’ve met their own individual deductibles. This type of family deductible system is known as an embedded deductible because individual deductibles are embedded within and count toward the larger family deductible.
【 在 disney2014 (Mickey!) 的大作中提到: 】 不是把,我问过HR了,我们family就我一个上班,HSA是family enrolled,所以 person deductible不work,必须要meet family deductible才可以的。另外personal out of pocket maximum也不work。 难道HR说错了的?
High Deductible Health Plans Are the Exception If you have a high deductible health plan, your family deductible may work differently. Most HDHPs use an aggregate deductible rather the embedded deductible system described above. You can learn more about this in “How the Family Deductible Works in an HDHP.”
Be aware that your plan may not be an HDHP just because your deductible seems really big. An HDHP is a special type of health plan, not just a descriptive term. Because HDHPs are usually associated with tax-advantaged Health Savings Accounts or Health Reimbursement Arrangements, they have special rules that set them apart from non-HDHP health plans.
【 在 disney2014 (Mickey!) 的大作中提到: 】 不是把,我问过HR了,我们family就我一个上班,HSA是family enrolled,所以 person deductible不work,必须要meet family deductible才可以的。另外personal out of pocket maximum也不work。 难道HR说错了的?
嗯1谢谢你帮我查了一下,没错我们公司管这个叫HDHP HSA plan,而且保险上吗说 entire family deductible must be met before benefits will be paid, deductible per person applies when employee is the only person covered。
而且我刚问了HR,她也说我的情况(family enroll)需要meet family 4000deductible才行。
所以说这个保险一点也不好。。。
【 在 laghs (微小) 的大作中提到: 】 哦,搞错了。你们HR说的是对的。 High Deductible Health Plans Are the Exception If you have a high deductible health plan, your family deductible may work differently. Most HDHPs use an aggregate deductible rather the embedded deductible system described above. You can learn more about this in “How : the Family Deductible Works in an HDHP.” Be aware that your plan may not be an HDHP just because your deductible seems really big. An HDHP is a special type of health plan, not just a descriptive term. Because HDHPs are usually associated with tax- advantaged Health Savings Accounts or Health Reimbursement Arrangements, they have ...................
【 在 disney2014 (Mickey!) 的大作中提到: 】 大家好,要enroll新的保险了,想用HSA plan,有2000 deductible per person和 4000 per family, out of pocket maximum也是2000每人,4000每个family。但是我 enroll的就是family,是不是我不eligible for 2000 deductible/OOP maximum,只 能想meet 4000 才能让保险cover the remainder? 换句话说,就是哪怕一个人做手术花了5000,我们也要先交4000,然后保险cover the rest?因为deductible和OOP maximum一样,所以如果超过deductible就只交4000刀, 不再多交了,对吧?
【 在 disney2014 (Mickey!) 的大作中提到: 】 大家好,要enroll新的保险了,想用HSA plan,有2000 deductible per person和 4000 per family, out of pocket maximum也是2000每人,4000每个family。但是我 enroll的就是family,是不是我不eligible for 2000 deductible/OOP maximum,只 能想meet 4000 才能让保险cover the remainder? 换句话说,就是哪怕一个人做手术花了5000,我们也要先交4000,然后保险cover the rest?因为deductible和OOP maximum一样,所以如果超过deductible就只交4000刀, 不再多交了,对吧?
op问的和地下回答的都不是一回事,就1楼回答了,剩下的都是瞎扯。lz都选好了hsa,又没贴出来ppo plan,怎么比较。一般hsa是不怎么看病和看好多病的选,不怎么看病 好理解,看好多病的因为一般ppo和hsa out of pocket max都一样,hsa的话premium低,而且hsa还没税,所以有好处,最简单就是自己做个spreadsheet,一看就明白了
我的理解没有错,因为这就是我家的保险,我们就是这么用的。我老婆今年生产,产科医生先charge她2300多,因为deductible 是2400,然后生产医院的quote是12000,只 收我们1700块,因为达到了4000 out of pocket maximum,所以总共我们需要掏4000,虽然家里的out of maximum 是8000。
【 在 elune (elune) 的大作中提到: 】 你的理解是错的,如果是family enrolled的话,就是4800, forget about the 2400.
【 在 easy5819 (easy) 的大作中提到: 】 我的理解没有错,因为这就是我家的保险,我们就是这么用的。我老婆今年生产,产科 医生先charge她2300多,因为deductible 是2400,然后生产医院的quote是12000,只 收我们1700块,因为达到了4000 out of pocket maximum,所以总共我们需要掏4000, 虽然家里的out of maximum 是8000。 2400.
To be an eligible individual and qualify for an HSA, you must meet the following requirements. You must be covered under a high deductible health plan (HDHP), described later, on the first day of the month. You have no other health coverage except what is permitted under Other health coverage。
enroll的就是family,是不是我不eligible for 2000 deductible/OOP maximum,只
能想meet 4000 才能让保险cover the remainder?
换句话说,就是哪怕一个人做手术花了5000,我们也要先交4000,然后保险cover the rest?因为deductible和OOP maximum一样,所以如果超过deductible就只交4000刀,
不再多交了,对吧?
有家庭且有预感要看病的不要选这个
不过呢,其实也还好,看有没有更恶心的co-insurance。
如果没有的话,deductible要看分类,route的都不要钱的
单身也没人选这个,为了公司送的小钱,失去大的。
HSA投资好像一定会赚一样,拿出来用又麻烦,根本没人选。
我enroll as a family,所以必须meet family deductible,也就是4000才能
insurance starts to cover。
company contribution 一年。就是这个policy,先自己交4000刀比较坑爹。
另外很多人建议我选HSA就是自己每年可以放钱进去避税,类似401k,里面money可以投资。
公司只contribute $200, 真差。
以报,尤其dental最有用。我选这个将近10年了,算下来insurance基本没交钱,还白
赚了近五万刀的HSA账户。全家每年的实际支出1000刀,还主要都是dental花费。
难道HR说错了的?
https://www.verywell.com/how-your-family-deductible-works-1738660
How the Family Deductible Works for Most Health Insurance
Most family health insurance policies have both individual deductibles and
family deductibles. Each time an individual within the family pays toward
his or her individual deductible, that amount is also credited toward the
family deductible. Coverage begins for any particular individual as soon as he or she has met his or her individual deductible. Coverage begins for the entire family, even those family members who haven’t met their individual
deductibles yet, as soon as the family deductible is met.
There are two ways a family health insurance policy will begin to pay
benefits for a particular individual within the family.
If an individual meets his or her individual deductible, health plan
benefits kick in and begin to pay health care expenses for that individual
only, but not for the other family members.
If the family deductible is met, health plan benefits kick-in for every
member of the family whether or not they’ve met their own individual
deductibles.
This type of family deductible system is known as an embedded deductible
because individual deductibles are embedded within and count toward the
larger family deductible.
High Deductible Health Plans Are the Exception
If you have a high deductible health plan, your family deductible may work
differently. Most HDHPs use an aggregate deductible rather the embedded
deductible system described above. You can learn more about this in “How
the Family Deductible Works in an HDHP.”
Be aware that your plan may not be an HDHP just because your deductible
seems really big. An HDHP is a special type of health plan, not just a
descriptive term. Because HDHPs are usually associated with tax-advantaged Health Savings Accounts or Health Reimbursement Arrangements, they have
special rules that set them apart from non-HDHP health plans.
entire family deductible must be met before benefits will be paid,
deductible per person applies when employee is the only person covered。
而且我刚问了HR,她也说我的情况(family enroll)需要meet family
4000deductible才行。
所以说这个保险一点也不好。。。
HSA 我们也是送几千的,没人选。
你虽然enroll的是family,但是个人部分是同时生效的,对于每个人deductible是分开的,但是如果一个人的花费已经超过他个人的deductible,他多花的部分是可以算到家里的deductible的。
举例 individual/family deductible 2400/4800
out of pocket 4000/8000
假如你先花了2400,满足了个人deductible,那么你再需要花的部分就开始使用保险直到你花满4000,那么对于你整个家庭而言,已经花了4000,那么第二个人只要花800,
就可以满足家庭的deductible,800以上的花费就使用保险,直到达到8000块的家庭总
消费
选HSA
不看病 或者看小病 净赚hsa ;看大病 顶多花到max out of pocket ,还是比ppo的
premium+ppo的out of pocket少
HDHP,如果以family enroll确实要meet family deductible后benefit才apply,这个
大家可以好好查一下,和一般HSA不同。
不过我们的HMO,PPO的premium太贵了,所以好好算算还不如就从了HSA呢。
好理解,看好多病的因为一般ppo和hsa out of pocket max都一样,hsa的话premium低,而且hsa还没税,所以有好处,最简单就是自己做个spreadsheet,一看就明白了
崲鎴恏sa浜
我周围没有人选HSA的。
google it. It makes a big difference.
钱在HSA真的很不划算,卡住了你的用途。
你不投资,这钱就缩水,投资了有风险亏了也不地税。
关键是生病了要用你不能保证可以马上卖掉,有盈利可以卖,没有就割肉。
大部分公司都是不用花一分钱,还送你2k,从来没有听过一个人选,有家庭的更是不能选,各种小孩生病,2夫妻配眼镜,体检,洗牙,1-2次感冒,小孩半夜发个烧马上急诊室用完……
什么叫HSA的钱拿不出来,你401k的钱还拿不出来呢。反正不过期,就是看病用的。
收我们1700块,因为达到了4000 out of pocket maximum,所以总共我们需要掏4000,虽然家里的out of maximum 是8000。
只是在有high deductable insurance 情况下才能往里面存钱
。我的确实是HDHP里面的一种HSA,family enroll必须要先meet family deductible,实在不行我去call insurance company好了
对我们这里的HMO比HSA一年高3000,PPO高2000多。我觉得我的case,虽然是family
enroll,还是无脑入HSA吧。
上面有朋友不建议HSA,说钱不好拿出来而去可能会亏,也不错。但是我现在是高收入
,需要这个saving plan还deduct tax,多好!
多数HDHP个人的高于2600,就有个人和家庭两个数。
drugs 看牙 看眼睛 买退烧药什么。 FSA 可是买不了OTC Drugs.
hsa 里面的钱就可以想象成从前的FSA 而且限制更小 还没有deadline.
At least works for me.
才能开设HSA账户。
To be an eligible individual and qualify for an HSA, you must meet the
following requirements. You must be covered under a high deductible health
plan (HDHP), described later, on the first day of the month. You have no
other health coverage except what is permitted under Other health coverage。
大堆,只能突击用钱。到今年拔牙补牙又不够用还得自己用税后的补。
自己感冒发烧去买的OTC药不是属于IRS认可的可免税的HSA distribution.