The United States: the world's highest medical expenses
The United States has the most expensive healthcare system of any country. A medical consultation with a general practitioner costs, on average, $190 or around €170. A stay in hospital can result in bills amounting to tens or even hundreds of thousands of dollars.
For example, an appendectomy performed in the United States will cost an average of $33,000, or around €29,000, compared with only €600 in France.
c. Healthcare coverage while receiving unemployment compensation under federal or state law.
d. Medicare and other healthcare coverage if you are 65 or older (other than premiums for a Medicare supplemental policy, such as Medigap).
For (b) and (c) above, your HSA can be used for your spouse or a dependent meeting the requirement for that type of coverage. For (d) above, if you, the account beneficiary, are not 65 years of age or older, Medicare premiums for coverage of your spouse or a dependent (who is 65 or older) generally are not considered a qualified medical expenses.
去年, 2021年,我做了个总结:
https://bbs.wenxuecity.com/kghy/3560139.html
2022年, 我仍然做了总结。我是自己买市场上的健康保险的, 我是通过小孙老师买的, 他是agent。
因为我还没到可以享受medicare的年龄, 所以, 我只能自己买保险。
我2023年还是延续了2022年的保险, 就是价格升上了一些。
我买的保险是“Tufts Health Direct Silver 2000 HSA".
每个月付的保险费用是 582.21。 2022年, 我买的是可以投 HSA 账户的保险, 放进HSA账号4650, 这个钱是税前的钱。这钱有三重好处, 免税, 投资有增值也是免税, 就是必须用于医疗费用, 无税收问题。
因为那个账号里的钱有点少,就几万,老公觉得还是先清理这个账号为好,少个账号管理, 少烦心。本着这个原则, 我们从2022年开始往外拿钱了, 比如老公的meidicare 月费就是从那账号出的, 平时的看牙医, 眼睛, copay都从那个账号付费。
2022年的牙医: 我没买保险, 我和牙医讲, 假如我需要大的动作, 我再买保险。每次去洗牙就自费付。一年三次, 我觉得还行。
2022年的眼医: 我2022年查了, 没啥问题。医生和我说, 我就查一次, 可以自付, 不用买保险。下一次需要查, 是2024年。
2022年, 我的健康还是可以的, 没出幺蛾子, 就是正常的体检, 常规检查啥的, 所以, 我那保险, 是自付高抵扣的健康保险, 没有用到最高数。(最高一年总费用, 自己要付16000左右。)
归类如下:
健康保险:582.21 x 12月 = 6392.88
平时去看医生的copay+自付牙医+自付看医生 = 582.6
自己去 CVS 买过敏药啥的, 毛估估 100
所以, 总的健康费用:7669.12
2023年, 我用的是同样的保险, 但是价格上去了。现在保险月费是 640.31, 比去年上升了 58.10.
看看这图表, 可以知道我每年最坏情况自付要多少 (我买的是有红箭头的那档):
实况汇报,谢谢看帖, 欢迎讨论。
祝大家2023年健康快乐!
那个小帐户,我买了一些基金和股票,目前来看是丢钱的。
所以,今天放进去的,准备马上开始用,享受无税的好处
自己比较一下。假如一年, 但是, 你就住半年, 也许还是比旅游保险便宜
到我开始存了又用了全部来植牙 :)
岁,而且要想pension 不受影响,得工作到60岁。对想早点退休的人,这有点像鸡肋,毕竟每年数目不少,而且还管一辈子
实施 hiring freeze policies, 但是避免任何人被动丢工作丢饭碗。政府工相对稳定些,但是前/钱途不大
小孙老师真是个大好人,除了讲课,还不厌其烦地回答问题。让他做代理也是放心。
我老公姐姐退了,后来查出高血压什么的, 又找了个比较轻松的工作回去上班了。美国的医疗费用害死人。
从IRA转钱, 你得综合考虑, 因为到72岁, 以前是70, 你有限制要务必拿多少钱出来, 不然有罚款
我们做了, 交得税有点多。
我认为我从IRA转到roth ira 已经是低价了, 觉得自己赚了便宜。
没想到, 进了 roth 后, 股价继续往下走, 那就是没有税收好处的。
举例说明:
买了 A 股票,在 IRA, 100美元一股买的。
过了半年, 股价到了 50美元。我以为是底部了, 马上转到 Roth, 以当年的50一股, 交收入税。
又过了2个月, 这个股票就 20美元一股了。
怕它继续掉, 就卖了, 20美元。
那么。 在roth里, 从 50 - 20=30, 是没有任何税收减免的。
所以, 我2022年, 我没转。老公还是转了好多, 所以, 我们2022年的税收又会是交税很多, 唉!
更好。我看到这坛里退休了的姐妹们更羡慕!
The United States: the world's highest medical expenses
The United States has the most expensive healthcare system of any country. A medical consultation with a general practitioner costs, on average, $190 or around €170. A stay in hospital can result in bills amounting to tens or even hundreds of thousands of dollars.
For example, an appendectomy performed in the United States will cost an average of $33,000, or around €29,000, compared with only €600 in France.
https://www.wageworks.com/employees/support-center/support-and-faq/healthcare/hsa/can-i-use-my-hsa-to-pay-for-health-insurance-premiums/
Generally, you cannot treat insurance premiums as qualified medical expenses unless the premiums are for:
a. Long-term care insurance, subject to IRS mandated limits based on age and adjusted annually (see IRS Publication 502: Long-Term Care).
b. Healthcare continuation coverage (such as coverage under COBRA – see IRS Publication 502: COBRA Premium Assistance.
c. Healthcare coverage while receiving unemployment compensation under federal or state law.
d. Medicare and other healthcare coverage if you are 65 or older (other than premiums for a Medicare supplemental policy, such as Medigap).
For (b) and (c) above, your HSA can be used for your spouse or a dependent meeting the requirement for that type of coverage. For (d) above, if you, the account beneficiary, are not 65 years of age or older, Medicare premiums for coverage of your spouse or a dependent (who is 65 or older) generally are not considered a qualified medical expenses.
用HSA买也不知划不划算
You have until the tax deadline of the following year to make your contribution. That means you can contribute to a 2021 HSA until April 15, 2022.