健康储蓄账户利率

0.10

%

51

在平衡5美元.00,

健康储蓄账户是如何运作的

  • 至少18岁吧
  • Be covered by a qualified High Deductible Health Plan (HDHP) — according to 医疗保健.政府, the IRS defines a high deductible health plan as any plan with a deductible of at least $1,每人350美元或2美元,一个家庭700美元
  • You have no other health coverage except for specialized plans like dental, 愿景, 长期护理, 以及伤害或意外保险.
  • 你没有参加医疗保险.
  • You can’t be claimed as a dependent on someone else's 2017 tax return.

2018年贡献的限制

  HSA贡献限制 HSA贡献限制s for people 55+
$3,450 $4,450
家庭 $6,900 $7,900

Unused funds can remain in your HSA and carry over every year. Once you are age 65 or if you become disabled, you can use HSA funds for both medical and non-medical expenses (but the non-medical uses will be taxable at that time).

You will incur a 20 percent tax penalty.

A health savings account is a smart way to cover your health care costs while saving on taxes. For more details on HSAs, click below to check out the IRS HSA web page.

了解更多

健康储蓄账户特点

    股息

    在超过$5的余额上赚取股息.

    联邦担保

    Your savings are federally insured up to $250,000.

    免费eStatements

    Receive your statements electronically for quick access.4

    开存款

    用5美元开立你的账户.

    税收优惠

    保存 money tax-free for medical expenses.