Question:

What is a health savings account or HSA?

cuentas de ahorro para la salud

Vista la salud de las cuentas de ahorro (HSA), a veces incorrectamente se conoce como cuenta de ahorros de salud, es una alternativa a los seguros de salud tradicionales, que trabaja en conjunto con un plan médico de deducible alto. Ellos trabajan de esta manera: En lugar de pagar enormes primas para la cobertura de seguro de salud puede o no puede utilizar, usted compra un plan de salud de deducible alto (HDHP) a una prima más baja. Esto se traduce en un ahorro desde el principio debido a la prima reducida. El siguiente paso es depositar los ahorros (hasta los máximos preestablecidos por el gobierno federal) en la HSA en una base antes de impuestos. Una pareja casada con dos hijos con un ingreso bruto de $ 100.000 puede reducir su factura de impuestos federales de ingresos por $ 1.300. Por lo tanto, cuando necesite atención médica de rutina, puede utilizar el dinero en su HSA para pagar, libre de impuestos. La otra gran característica de las cuentas de ahorros de salud es que no hay "usarlo o perderlo" componente como es común con un médico o una cuenta de ahorro flexibles. Si no utiliza el dinero depositado en su cuenta HSA durante el año calendario, se deposita, se sienta allí hasta que lo necesite ganar intereses en una base exenta de impuestos. Si lo deja allí hasta los 65 o queda incapacitado, se le puede retirar el impuesto sobre los fondos de libre independientemente de lo que se utiliza el dinero. Sin embargo, si usted retira dinero de una HSA antes de cumplir los 65 años y lo utilizan para distintos gastos médicos, usted debe pagar una penalidad de 10%.

Seguro de Salud Frequently Asked Questions

Where do people find health insurance?

What are the different types of health insurance available?

How do I choose a health insurance plan?

What is a fee-for-service health insurance plan?

What is a managed care health insurance plan?

What is a deductible?

Where can I get health insurance quotes?

How do I begin to compare health insurance quotes?

Is it safe to seek health insurance quotes online?

What are some reputable online health insurance quote sites?

Where can I get health insurance quotes for my small business?

What is individual health insurance?

What is a noncancellable policy?

What is a "free look" clause?

What is a waiting period?

What is a single disease insurance plan?

Should I purchase additional health insurance?

What do I do now that I've lost my group health insurance coverage?

What is long term care insurance?

When is the best time to buy long term care insurance?

What questions should I ask when considering long term care insurance?

Does long term care insurance cover home health care?

What qualifies someone for benefits under a long term care insurance policy?

What is a daily benefit?

What is the benefit period?

What is an elimination period?

What is inflation protection?

Are my long term health care premiums tax deductible?

What is a health savings account or HSA?

What is a high deductible health plan or HDHP?

Who is eligible to open a health savings account?

Does the HDHP have to be in my name?

How much can I deposit in my health savings account in one calendar year?

How can I find a high deductible health plan?

How can I get a health savings account?

Can I have both a flexible spending account and a health savings account?

What medical expenses are considered "qualified" medical expenses?

What happens if I have money in my health savings account but I no longer have a high deductible health plan?

What is Medicare?

Where can I get information on Medicare eligibility and plan coverage specifics?

What is the difference between Medicare Part A and Medicare Part B?

What are the Medicare premiums for 2005?

What is Medigap Insurance?

What is My.Medicare.gov?

What is Medicare Part D?

What are the out-of-pocket costs for Medicare prescription drug coverage?

How do I join the Medicare Prescription Drug Plan?

What if I already have prescription drug coverage?

What is an HMO?

What is managed care?

What is a referral?

What is preventive care?

What is an IPA?

What is a PPO?

What is capitation?

What to ask when shopping for a PPO?

What is a primary care physician?

Can I seek treatment from a doctor who does not participate in my PPO's network?

What is short-term health insurance?

Will my pre-existing condition be covered under short-term insurance?

Should I get short-term health insurance if I'm between jobs?

What are the differences between short-term and standard health insurance?

How much does short-term health insurance cost?

Will I have a co-pay with my short-term health insurance?

Where can I find information on short-term health insurance plans?

Where can I find information on picking a quality health care plan?

Where can I find online information on insuring my children?

Where can I find insurance information specifically for my state?

Where can I find help understanding health insurance terms?

What is America's Health Insurance Plans?

What is the Life and Health Insurance Foundation for Education?

Where can I find information on small business health insurance planning?

Does my adult child need student health insurance?

How do I purchase student health insurance?

What should I consider when shopping for student health insurance?

Can I add my spouse and children to my student health insurance plan?

Can I get online student health insurance quotes?

What is supplemental health care insurance?

What types of things are covered by supplemental health insurance?

Who should buy supplemental health insurance?

What doesn't Medicare pay for?

What is Medigap?

What are my rights when purchasing Medigap insurance?

Where can I find low cost health insurance?

How can I lower the cost for my health insurance coverage?

Will quitting smoking lower my health insurance costs?

Are two single-person health insurance policies cheaper than one two-person policy?

Where can I find online quotes for affordable health insurance?

How can I control my family health insurance costs?

What is an FSA?

How do I calculate my FSA contribution?

What is COBRA?

Where can I find affordable health insurance for my children?

Should my family consider a high deductible health plan?

Can mail-order prescription services save me money on my medical costs?

What is group insurance?

What is open enrollment?

What is an SPD?

What are HIPAA and COBRA?

What out-of-pocket expenses can I expect?

Where can I obtain health insurance quotes?

What is a non-cancellable policy?

What do I do now that I have lost my group health insurance coverage?

What is long-term care insurance?

When is the best time to buy long-term care insurance?

What questions should I ask when considering long-term care insurance?

What is a high deductible health plan or a HDHP?

What medical expenses are considered "qualified" expenses?

What are the Medicare premiums for 2006?

What are the out-of-pocket expenses for Medicare prescription drug coverage?

What is a Health Maintenance Organization?

What is an Individual Practice Association?

What is a Preferred Provider Organization?

What is "America's Health Insurance Plans"?

What types of services are covered by supplemental health insurance?

What does Medicare not pay for?

What is group health insurance?

What is an Summary Plan Description?

What is a HIPAA?





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