Health Saving Account

s
stomach
楼主 (未名空间)

Apologies for not typing Chinese. Stupid work computer :(

Does anyone have a Health Saving Account? I need to open a HSA but there are tooooo many banks offering this type of account. All have fees involved of course. I am overwhelmed. How did you decide which one is good? Can anyone
recommend a bank? Thanks in advance!
d
damiloveu

I got one from my employer.
r
rosiel

我在以前的公司开过,离开之后就收月费了,不便宜,而且没啥好的投资基金
你在哪加入的high-deductible health plan?一般有指定的HSA吧
没有HDHP不能玩这个
I
IamIris

不能自己随便开吧,都是通过employer的。
c
catchafish

LMCU free hsa

【 在 stomach (stomach) 的大作中提到: 】
: Apologies for not typing Chinese. Stupid work computer :(
: Does anyone have a Health Saving Account? I need to open a HSA but there
are
: tooooo many banks offering this type of account. All have fees involved
of
: course. I am overwhelmed. How did you decide which one is good? Can anyone
: recommend a bank? Thanks in advance!

c
cattywh

单位提供注册
v
vanillasky2

需要HIGH DEDUCTIBLE ACCOUNT。除非你公司会往里存钱,否则优先考虑ROTH 401k/IRA
u
utran

fidelity hsa 免费

k
kaonima

可能小业主可以自己开
s
stomach

Thanks everyone!!! I've maxed out on 401 therefore need other ways to save
tax. I will check out LMCU and Fidelity.

Yes, we have HDHP and it SUCKS! Used to pay $5/paycheck (family plan) with
super low deductibles 10 years ago. Those good old days are long gone~~~
d
daemonself

hsa比401k灵活多了。很多东西都能报。tax方面,如果你得ss tax还没有max的话,hsa是能省ss tax得
【 在 vanillasky2 (Henghengheng) 的大作中提到: 】
: 需要HIGH DEDUCTIBLE ACCOUNT。除非你公司会往里存钱,否则优先考虑ROTH 401k/
IRA

F
FranklinDou

楼主这个看起来不是雇主给开的HSA,没法走payroll, 要自己存税后的钱再报8889
这种没法省ss tax
其他的同意,而且不光是灵活,hsa也是唯一一个triple tax benefit的账户
存入免税,收益免税,取出免税

【 在 daemonself (mit行为艺术专业博士后导师) 的大作中提到: 】
: hsa比401k灵活多了。很多东西都能报。tax方面,如果你得ss tax还没有max的话,
hsa
: 是能省ss tax得
: IRA

w
wuchang

I opened one at livelyme.com
s
stomach

What does 'ss tax' stand for? If it is social security then yes, already at max. HR says my HSA is still pre-tax though.

【 在 daemonself (mit行为艺术专业博士后导师) 的大作中提到: 】
: hsa比401k灵活多了。很多东西都能报。tax方面,如果你得ss tax还没有max的话,
hsa
: 是能省ss tax得
: IRA

s
stomach

How do you like it so far. Both Fidelity and Livelyme are popular. Mind to
share the pros vs cons from your perspective?

【 在 wuchang (wuchang) 的大作中提到: 】
: I opened one at livelyme.com

F
FranklinDou

除了social security, 通过payroll扣的HSA还能免medicare
当然如果你是你自己存HSA的话就没法省这个了
联邦税可以用8889表抵扣,大部分州的州税也可以抵扣
除了NJ CA等几个2B州
【 在 stomach (stomach) 的大作中提到: 】
: What does 'ss tax' stand for? If it is social security then yes, already
at
: max. HR says my HSA is still pre-tax though.
: hsa

s
stomach

Sigh ~~~~ I just moved to CA for family reason. Trying my best to save every penny of my hard-earned salary. Thanks for the tips!

【 在 FranklinDou (不是包子机器人) 的大作中提到: 】
: 除了social security, 通过payroll扣的HSA还能免medicare
: 当然如果你是你自己存HSA的话就没法省这个了
: 联邦税可以用8889表抵扣,大部分州的州税也可以抵扣
: 除了NJ CA等几个2B州
: at

k
koote

如果你当前没有high deductible health plan,你不能自己往里投钱。

【 在 stomach (stomach) 的大作中提到: 】
: Apologies for not typing Chinese. Stupid work computer :(
: Does anyone have a Health Saving Account? I need to open a HSA but there
are
: tooooo many banks offering this type of account. All have fees involved
of
: course. I am overwhelmed. How did you decide which one is good? Can anyone
: recommend a bank? Thanks in advance!

k
koote

fidelity现在hsa免费

【 在 rosiel (04fall) 的大作中提到: 】
: 我在以前的公司开过,离开之后就收月费了,不便宜,而且没啥好的投资基金
: 你在哪加入的high-deductible health plan?一般有指定的HSA吧
: 没有HDHP不能玩这个

o
oldestboy
https://chrome.google.com/webstore/detail/google-input-tools/
mclkkofklkfljcocdinagocijmpgbhab

【 在 stomach (stomach) 的大作中提到: 】
: Apologies for not typing Chinese. Stupid work computer :(
: Does anyone have a Health Saving Account? I need to open a HSA but there
are
: tooooo many banks offering this type of account. All have fees involved
of
: course. I am overwhelmed. How did you decide which one is good? Can anyone
: recommend a bank? Thanks in advance!