Schwab HSBA is a self-directed brokerage account that resides within your Health Savings Account (HSA). In addition to the investment choices typically offered by a Health Savings Account, an HSBA lets you invest in a wide range of investment options to include stocks, bonds, mutual funds, and Exchange Traded Funds (ETFs).
The catch is you may get lower social security benefits
Contributing to an HSA through a salary reduction agreement with an employer may result in lower Social Security benefits. This is because the wages you contribute to an HSA don't count towards your Social Security benefit
Schwab HSBA is a self-directed brokerage account that resides within your Health Savings Account (HSA). In addition to the investment choices typically offered by a Health Savings Account, an HSBA lets you invest in a wide range of investment options to include stocks, bonds, mutual funds, and Exchange Traded Funds (ETFs).
2024 迄今一家五口deductible 200多，out of pocket 五百多。
这还不算HSA是免税投资账户的最大好处！
without limitation or account fees. It has been on the top one/two HSA reviews for many years.
我仔细算过，HSA省下的保险费和税超过deductile，所以即使需要自己掏钱看病也是合算的。而普通保险每个月保费交出去就肯定回不来了。你们一家五口更容易满足deductile.
因为这部分不付FICA tax. 自己去Fidelity 存HSA这部分税白交了
Contributing to an HSA through a salary reduction agreement with an employer may result in lower Social Security benefits. This is because the wages you contribute to an HSA don't count towards your Social Security benefit