健康儲蓄戶口：由此開始(第二版國際英文版)
HSA: Start Here (Second Edition)
活動訊息
內容簡介
What is an HSA?
Health Savings Account – an account where you save money for your healthcare expenses. It is owned by a single person and maintained by an IRS-approved trust company or custodian.
A long life of health and financial security is an important goal for all Americans, but that’s often easier said than done. You likely know some steps that can improve your health and finances, like eating better, exercising more, and putting money into savings. But
did you know that switching your health plan can also help you save for the future? Switching plans can also help you to develop a pattern of better living so you can live a healthier life.
An alternative to a traditional healthcare plan is a Health Savings Account (HSA) matched with an eligible High-Deductible Health Plan (HDHP). This health plan is designed to give you more control over your health spending and help you save money for the future.
Health Savings Account – an account where you save money for your healthcare expenses. It is owned by a single person and maintained by an IRS-approved trust company or custodian.
A long life of health and financial security is an important goal for all Americans, but that’s often easier said than done. You likely know some steps that can improve your health and finances, like eating better, exercising more, and putting money into savings. But
did you know that switching your health plan can also help you save for the future? Switching plans can also help you to develop a pattern of better living so you can live a healthier life.
An alternative to a traditional healthcare plan is a Health Savings Account (HSA) matched with an eligible High-Deductible Health Plan (HDHP). This health plan is designed to give you more control over your health spending and help you save money for the future.
目錄
Table of Contents
◇Introduction: What is an HSA?
Why HSA?
Comparing Tax-Favored Accounts
How to Use this Book
◇Chapter 1: Eligibility
HSA-Eligible Health Plans
Other Coverage
Health FSAs and HRAs
◇Chapter 2: Contributions
Contribution Limits
Who Can Contribute
Comparability and Nondiscrimination
Owners and 2% or More Shareholders
Scheduling Contributions
Account Rollovers and Transfers
HSA-Rollover
IRA Transfer
Excess Contributions
◇Chapter 3: Distributions
Qualified Expenses
The Distribution Process
Save Receipts
Fees on Non-Eligible Withdrawals
◇Chapter 4: Account Management
Establishing Your HSA
Invest your Savings
Fund HSA First
Tips on Saving
Tax Reporting
◇Chapter 5: What about…?
Medicare
FMLA
Continuing Coverage
Losing and Regaining Eligibility
TRICARE and IHS Coverage
Divorce
Death
State Rules
◇Conclusion: Is HSA Right for You?
Taking Control of Your Health
Appendix I: Qualified Medical Expenses
Glossary
Resources
About the Author
◇Introduction: What is an HSA?
Why HSA?
Comparing Tax-Favored Accounts
How to Use this Book
◇Chapter 1: Eligibility
HSA-Eligible Health Plans
Other Coverage
Health FSAs and HRAs
◇Chapter 2: Contributions
Contribution Limits
Who Can Contribute
Comparability and Nondiscrimination
Owners and 2% or More Shareholders
Scheduling Contributions
Account Rollovers and Transfers
HSA-Rollover
IRA Transfer
Excess Contributions
◇Chapter 3: Distributions
Qualified Expenses
The Distribution Process
Save Receipts
Fees on Non-Eligible Withdrawals
◇Chapter 4: Account Management
Establishing Your HSA
Invest your Savings
Fund HSA First
Tips on Saving
Tax Reporting
◇Chapter 5: What about…?
Medicare
FMLA
Continuing Coverage
Losing and Regaining Eligibility
TRICARE and IHS Coverage
Divorce
Death
State Rules
◇Conclusion: Is HSA Right for You?
Taking Control of Your Health
Appendix I: Qualified Medical Expenses
Glossary
Resources
About the Author
序／導讀
How to Use this Book
This book is divided into chapters based on the different parts of owning an HSA, starting with determining eligibility and walking through how to make contributions, request distributions, and manage your account. The last chapter deals with specific scenarios that might affect you. In the back, you’ll find a list with some of the qualified medical expenses that you can use your HSA money for as well as a glossary of useful terms and resources for further research.
You can choose to read the book straight through, or you can skip to a particular chapter if you have questions about something specific. While the book is designed to build on itself as you go through, each section does stand alone and can be read separately. Feel free to take things at your own pace and reference items as needed.
This book is divided into chapters based on the different parts of owning an HSA, starting with determining eligibility and walking through how to make contributions, request distributions, and manage your account. The last chapter deals with specific scenarios that might affect you. In the back, you’ll find a list with some of the qualified medical expenses that you can use your HSA money for as well as a glossary of useful terms and resources for further research.
You can choose to read the book straight through, or you can skip to a particular chapter if you have questions about something specific. While the book is designed to build on itself as you go through, each section does stand alone and can be read separately. Feel free to take things at your own pace and reference items as needed.
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