j***y 发帖数: 2074 | 1 我是aerotek雇用的contractor,刚工作没多久,刚拿到ssn,然后aerotek给了我一个
网站,是关于医疗保险、牙医保险、视力之类的benefit,好像连带也有帮你办一个hsa
帐号。
问一下hsa帐号每个月(或者每个礼拜,因为我拿的是周薪)投进去多少钱合适啊?
新手求教,望各位朋友分享经验。有同是aerotek contractor的朋友就更好了,先谢过
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k***n 发帖数: 3158 | 2 first, make sure you are really eligible for HSA
Your insurance has to be a high deducbile one in order to be HSA eligible
you need to consider the investment options in your HSA and how much
your family expect to spend on medical services.
hsa
【在 j***y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我是aerotek雇用的contractor,刚工作没多久,刚拿到ssn,然后aerotek给了我一个 : 网站,是关于医疗保险、牙医保险、视力之类的benefit,好像连带也有帮你办一个hsa : 帐号。 : 问一下hsa帐号每个月(或者每个礼拜,因为我拿的是周薪)投进去多少钱合适啊? : 新手求教,望各位朋友分享经验。有同是aerotek contractor的朋友就更好了,先谢过 : 。
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j***y 发帖数: 2074 | 3 看了一下,好像说是只要签BlueCross BlueShield PPO,就可以开一个HSA户头。
不过,家庭的医疗开支比较难以预测啊。平常的年景,不怎么去医院的话,一年放3000
块合适吗? |
k***n 发帖数: 3158 | 4
I dont think so, HD can be PPO, but PPO alone does not make HSA eligible
3000
More than enough for me. I dont want to put more money into this fishy
system
of course, it's just me. You may have a different opinion
【在 j***y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 看了一下,好像说是只要签BlueCross BlueShield PPO,就可以开一个HSA户头。 : 不过,家庭的医疗开支比较难以预测啊。平常的年景,不怎么去医院的话,一年放3000 : 块合适吗?
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j***y 发帖数: 2074 | |
r****9 发帖数: 4961 | 6 max HSA if you can afford it.
max HSA if you can not afford it. |
j***y 发帖数: 2074 | 7 我是aerotek雇用的contractor,刚工作没多久,刚拿到ssn,然后aerotek给了我一个
网站,是关于医疗保险、牙医保险、视力之类的benefit,好像连带也有帮你办一个hsa
帐号。
问一下hsa帐号每个月(或者每个礼拜,因为我拿的是周薪)投进去多少钱合适啊?
新手求教,望各位朋友分享经验。有同是aerotek contractor的朋友就更好了,先谢过
。 |
k***n 发帖数: 3158 | 8 first, make sure you are really eligible for HSA
Your insurance has to be a high deducbile one in order to be HSA eligible
you need to consider the investment options in your HSA and how much
your family expect to spend on medical services.
hsa
【在 j***y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我是aerotek雇用的contractor,刚工作没多久,刚拿到ssn,然后aerotek给了我一个 : 网站,是关于医疗保险、牙医保险、视力之类的benefit,好像连带也有帮你办一个hsa : 帐号。 : 问一下hsa帐号每个月(或者每个礼拜,因为我拿的是周薪)投进去多少钱合适啊? : 新手求教,望各位朋友分享经验。有同是aerotek contractor的朋友就更好了,先谢过 : 。
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j***y 发帖数: 2074 | 9 看了一下,好像说是只要签BlueCross BlueShield PPO,就可以开一个HSA户头。
不过,家庭的医疗开支比较难以预测啊。平常的年景,不怎么去医院的话,一年放3000
块合适吗? |
k***n 发帖数: 3158 | 10
I dont think so, HD can be PPO, but PPO alone does not make HSA eligible
3000
More than enough for me. I dont want to put more money into this fishy
system
of course, it's just me. You may have a different opinion
【在 j***y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 看了一下,好像说是只要签BlueCross BlueShield PPO,就可以开一个HSA户头。 : 不过,家庭的医疗开支比较难以预测啊。平常的年景,不怎么去医院的话,一年放3000 : 块合适吗?
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j***y 发帖数: 2074 | |
r****9 发帖数: 4961 | 12 max HSA if you can afford it.
max HSA if you can not afford it. |
l**********r 发帖数: 4612 | 13 什么意思,自相矛盾?
【在 r****9 的大作中提到】![](/moin_static193/solenoid/img/up.png) : max HSA if you can afford it. : max HSA if you can not afford it.
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p***r 发帖数: 1098 | 14 不是所有人都能开HSA吧?
HSA-eligible health plan:
For a health plan to be considered an HSA-eligible health plan, the minimum
deductible must be at least $1,200 (self-only coverage) or $2,400 (family
coverage).
Annual out-of-pocket costs (including deductibles and co-pays) generally
cannot exceed $5,950 (self-only coverage) or $11,900 (family coverage).
HSA-eligible health plans can have no deductible for certain types of
services or treatments (such as preventive care and other permitted dental
and vision expenses) and higher out-of-pocket limits for non-network
services. Based on information from the U.S. Department of Treasury. |
l*********e 发帖数: 7492 | 15 很多单位没发开。
minimum
【在 p***r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 不是所有人都能开HSA吧? : HSA-eligible health plan: : For a health plan to be considered an HSA-eligible health plan, the minimum : deductible must be at least $1,200 (self-only coverage) or $2,400 (family : coverage). : Annual out-of-pocket costs (including deductibles and co-pays) generally : cannot exceed $5,950 (self-only coverage) or $11,900 (family coverage). : HSA-eligible health plans can have no deductible for certain types of : services or treatments (such as preventive care and other permitted dental : and vision expenses) and higher out-of-pocket limits for non-network
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s********z 发帖数: 5411 | 16 嘿,恭喜找到工作!
high deductible的insurance才能放到hsa,如果能放,一定放满。
hsa对减税非常好 。
hsa
【在 j***y 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我是aerotek雇用的contractor,刚工作没多久,刚拿到ssn,然后aerotek给了我一个 : 网站,是关于医疗保险、牙医保险、视力之类的benefit,好像连带也有帮你办一个hsa : 帐号。 : 问一下hsa帐号每个月(或者每个礼拜,因为我拿的是周薪)投进去多少钱合适啊? : 新手求教,望各位朋友分享经验。有同是aerotek contractor的朋友就更好了,先谢过 : 。
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s********n 发帖数: 4535 | 17 如果过了几年又换成其他非hsa的保险,那在hsa里的余额会怎么处理呢
【在 s********z 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 嘿,恭喜找到工作! : high deductible的insurance才能放到hsa,如果能放,一定放满。 : hsa对减税非常好 。 : : hsa
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a***e 发帖数: 106 | 18 He meant no matter what, max out hsa.
什么意思,自相矛盾?
★ Sent from iPhone App: iReader Mitbbs Lite 7.39
【在 l**********r 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 什么意思,自相矛盾?
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k***n 发帖数: 3158 | 19 when Obama care increased the penalty from 10% to 20% for taking money
out of HSA earlier, it sounded an alarm to me. It is blocking people's
way out of it.
【在 s********n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 如果过了几年又换成其他非hsa的保险,那在hsa里的余额会怎么处理呢
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s********z 发帖数: 5411 | 20 你能保证你一辈子不看病吗?
【在 s********n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 如果过了几年又换成其他非hsa的保险,那在hsa里的余额会怎么处理呢
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s********n 发帖数: 4535 | 21 不是说换成traditional保险了么
【在 s********z 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你能保证你一辈子不看病吗?
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s********z 发帖数: 5411 | 22 换成traditional以后你不能再放钱了,但是能用啊
【在 s********n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 不是说换成traditional保险了么
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p********r 发帖数: 1980 | 23 But if you don't have money, you can still go to hospital. Someone else
would pay for it.
【在 s********z 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 你能保证你一辈子不看病吗?
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w******o 发帖数: 423 | 24 我是high deductible的,也在存hsa,我是新人,想问问自己理解对不对,
是不是high deductible的plan是公司想省钱,买的便宜保险,这种保险好像很不爽啊
,年轻人一般都是小毛病,基本都是自费了,等于。
是不是那种全cover的好一些,也贵一些? 是不是hsa就是对买那种垃圾险的一种补偿?
【在 k***n 的大作中提到】![](/moin_static193/solenoid/img/up.png) : first, make sure you are really eligible for HSA : Your insurance has to be a high deducbile one in order to be HSA eligible : you need to consider the investment options in your HSA and how much : your family expect to spend on medical services. : : hsa
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a*w 发帖数: 4495 | 25 公司对你的HSA的match是对你out of pocket expense的增长部分的补偿,
因为你用了HDHA,公司为你付的保费就减少了。
年轻人用HSA和HDHA相对来说比较划算,因为本来生病就少,可能连常规
保险的deductible部分都用不满。
【在 w******o 的大作中提到】![](/moin_static193/solenoid/img/up.png) : 我是high deductible的,也在存hsa,我是新人,想问问自己理解对不对, : 是不是high deductible的plan是公司想省钱,买的便宜保险,这种保险好像很不爽啊 : ,年轻人一般都是小毛病,基本都是自费了,等于。 : 是不是那种全cover的好一些,也贵一些? 是不是hsa就是对买那种垃圾险的一种补偿?
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