Money in HSA grows tax-free. The money can be used for medical expense, including medical insurance and medicaid premium, pharmacy cost etc.
Withdrawal from HSA for non-medical use is subject to income tax and 20% penalty. the penalty is waived if you are older than 65 years old at the time of the withdrawal.
You can only roll funds from an IRA to an HSA once during your lifetime. The maximum amount you can roll over is the same as your annual HSA contribution limit for that year.7
The limits for 2023 are as follows:287
$3,850 ($3,650 in 2022) for individuals, with an additional $1,000 catch-up contribution if you're 55 or older. $7,750 ($7,300 in 2022) for family coverage, with the same $1,000 catch-up contribution.
1) you can only put money in HSA if you buy high deductible
..health insurance (HDHP). Limit per couple is $7500/yr.
2) if you have extra budget, you should postpone the spending of HSA as much as you can. This is because any interest you earn from HSA account is tax free, while most other investment (except Roth) is not tax free.
请问大家这个准确吗？
1. HSA的钱是免税的，投资增值免税
2. HSA可以支付医疗费用，包括医生，药品，coinsurance
3. 重点：没有规定HSA必须付当年的费用，也就是可以付以前的费用
4. 先用自己的钱付医疗费用，然后HSA投资增值，按标普8%增长每年，不到十年就可以翻倍。
5. 假如10年HSA有5万刀，医疗费用5万刀，如果当时就付，那结余就是0. 但是如果自己先现金付医疗制度，同时保留收据十年后再付，假设增值5万，那么HSA一共10万，付医疗账单后还有5万。
问题：
前几天有人说可以一生一次的从IRA转到HSA. 比如一次转Tradtional IRA税前10万到HSA不交税可以吗？
Money in HSA grows tax-free. The money can be used for medical expense, including medical insurance and medicaid premium, pharmacy cost etc.
Withdrawal from HSA for non-medical use is subject to income tax and 20% penalty. the penalty is waived if you are older than 65 years old at the time of the withdrawal.
Transferring IRA Money to an HSA (investopedia.com)
You can only roll funds from an IRA to an HSA once during your lifetime. The maximum amount you can roll over is the same as your annual HSA contribution limit for that year.7
The limits for 2023 are as follows:287
$3,850 ($3,650 in 2022) for individuals, with an additional $1,000 catch-up contribution if you're 55 or older. $7,750 ($7,300 in 2022) for family coverage, with the same $1,000 catch-up contribution.实际上也不假，就是数额上有假！
啊哈哈哈。。。。。。。。。。。。。
差别是增加部分交税与否
..health insurance (HDHP). Limit per couple is $7500/yr.
2) if you have extra budget, you should postpone the spending of HSA as much as you can. This is because any interest you earn from HSA account is tax free, while most other investment (except Roth) is not tax free.