Tus as khauj txuag nyiaj rau kev noj qab haus huv (HSA) ua hauj lwm li cas

A health savings account (HSA) is a savings account that helps you save and pay for healthcare expenses tax-free.

An HSA offers a range of benefits and can be a valuable tool for managing healthcare expenses and saving for the future.

HSA tsuas yog muaj nrog cov phiaj xwm kev kho mob uas tau txiav nyiaj tawm siab nkaus xwb. Cov phiaj xwm no feem ntau muaj cov nqi pov hwm txhua hli qis dua. You can contribute pre-tax dollars to your HSA, which can then be used to pay for eligible healthcare expenses.

 

Key features of an HSA:

  • Tax advantages: Contributions to an HSA are tax-deductible, and withdrawals for eligible medical expenses are tax-free. You can also earn tax-free interest on the money in your HSA.
  • Long-term savings: The money in an HSA rolls over year to year, allowing you to build substantial savings over time
  • Flexibility in spending: HSAs can be used to pay for a wide range of medical expenses, including prescriptions, doctor visits, and even some over-the-counter medications.
  • An HSA is an investment: You can invest a portion of your HSA balance in mutual funds, stocks and bonds.
  • Retirement savings: You can use your HSA to save for retirement. Thaum muaj hnub nyoog 65 xyoo, koj tuaj yeem siv cov peev nyiaj rau lub hom phiaj twg los tau yam tsis muaj kev nplua. The money you take out to pay for eligible healthcare expenses continues to be tax free.

 

Maximize your HSA for retirement 

Fund your HSA early

Koom pab kom tau ntau tshaj plaws li ua tau rau koj tus as khauj thaum pib ntawm txhua lub xyoo. Txawm li cas los koj yeej muaj sij hawm kom txog thaum koj xa daim ntawv thov se rov qab mam los ua cov kev tso nyiaj rau hauv tus as khauj HSA, pib kiag tam sim no hauv txhua Lub Ib Hlis yuav muaj sij hawm ntau dua rau koj los siv qhov zoo ntawm koj tus as khauj HSA qhov kev loj hlob yam tsis muaj nqi se. Tau ntau lub xyoo, koj tuaj yeem tau tsheej phav duas las ntxiv lawm nrog lub tswv yim no kiag xwb.

Wait to withdraw from your HSA

Ncua lub sij hawm nqa nyiaj los ntawm koj tus as khauj HSA yam ntev li ntev tau. Them rau koj cov nqi kho mob yas yus them yus thiab cia koj qhov nyiaj hauv tus as khauj HSA kom loj hlob yam tsis muaj se li. Tom qab ntawd ces them rov qab rau koj tus kheej los ntaw koj tus as khauj HSA rau yav tom ntej rau cov nqi kho mob uas muaj cai tau txais kev pab ntawd. Nco ntsoov khaws koj cov ntawv them nyiaj cia. Kuaj xyuas nrog koj tus as khauj HSA los saib seb koj puas tuaj yeem luam koj cov ntawv them nyiaj mus rau hauv koj qhov chaw khaws ntaub ntawv hauv hluav taws xob tau.

Use your HSA to invest

Use a portion of your HSA balance to buy mutual funds or other investments that offer growth potential.

 

Other medical spending accounts 

Health Reimbursement Arrangement (HRA): An HRA is a health reimbursement arrangement available only through the workplace. Qhov peev nyiaj ntawm tus tswv hauj lwm qhov HRAs. Yog tias koj muaj txoj phiaj xwm kev txiav tawm siab dua los ntawm koj txoj hauj lwm, koj tuaj yeem siv cov nyiaj daus las hauv qhov HRA los them koj cov nqi saib xyuas kho mob tsim nyog. Tab sis koj yuav tsum siv cov nyiaj hauv koj tus as khauj HRA rau thaum kawg ntawm txhua xyoo. Qhov nyiaj seem tsis tau muab nqa hla mus rau lub xyoo tom ntej.

Flexible Spending Account (FSA): An FSA is a flexible spending account that lets you set aside money tax-free to pay for eligible expenses, like day care and healthcare products and services your health plan doesn’t cover (such as vision and dental care). Qhov FSA tsuas yog muaj nrog cov phiaj xwm kho mob uas koj tau txais los ntawm koj tus tswv hauj lwm. 

 

Qhov no yog cov ntaub ntawv qhia dav txhua feem txog qhov uas txoj phiaj xwm cov txiaj ua hauj lwm li cas. Tshuaj xyuas txog Daim Ntawv Ntsiab Lus ntawm Cov Txiaj Ntsig thiab Kev Raug Pab Them thiab koj phau ntawv qhia txog txiaj ntsig ntawm txoj phiaj xwm kho mob tshwj xeeb rau qhov ntaub ntawv txog qhov seb koj txoj phiaj xwm ua hauj lwm li cas.

Nws nyob ntawm koj los kuaj xyuas tas li yog tias koj tus kws muab kev pab cuam nyob hauv koj txoj phiaj xwm kho mob pab pawg koom nrog ua ntej koj tau txais cov kev pab cuam. Tsis yog txhua cov kws muab kev pab cuam nyob hauv txhua pab pawg koom nrog. Koj tuaj yeem them ntau dua los sis them tag nrho koj cov nqi kho mob yog tias koj tus kws kho mob tsis yog cov chaw koom tes nrog los sis tsis muaj daim ntawv cog lus nrog Blue Cross (qhov no yog hu ua tus kws kho mob uas tsis koom nrog). Koj tuaj yeem txheeb xyuas seb koj tus kws pab cuam puas nyob hauv koj pab pawg koom tes los ntawm kev hu xov tooj rau kev pab cuam rau cov qhua ntawm tus nab npawb nyob rau tom qab ntawm koj daim npav ID tswv cuab.