q****x
发帖数: 7404 | 1 假设双职工，能不能甲方开HSA，放满6250，乙方用PPO或HMO？看病时用乙方的保险。 |
S**I
发帖数: 15689 | 2 当然不可以，有不符合HSA条件的保险cover的一方不能存HSA。
【在 q****x 的大作中提到】
: 假设双职工，能不能甲方开HSA，放满6250，乙方用PPO或HMO？看病时用乙方的保险。
|
s****i
发帖数: 2993 | 3 can't if covered under non high deductive plan. |
q****x
发帖数: 7404 | 4 但是怎么查呢？这个相当于有两份保险。给HSA看高价的那个，自己用低价的。
【在 s****i 的大作中提到】
: can't if covered under non high deductive plan.
|
j***9
发帖数: 698 | 5 这就意味着你的PPO或是HMO要买family plan。HSA买individual plan.这个premium算
下来未必划算。 |
q****x
发帖数: 7404 | 6 双方都是family plan。
PPO的有premium，但一般两个比一个单卖要划算。HSA的自付额高，所以premium便宜。
关键省了6250的税。对双收入家庭，这个不少吧。
【在 j***9 的大作中提到】
: 这就意味着你的PPO或是HMO要买family plan。HSA买individual plan.这个premium算
: 下来未必划算。
|
k***n
发帖数: 3158 | 7 http://www.hsaresources.com/faq/
1. Who is eligible to open an HSA?
Anyone, individuals, employees and employers, can open an HSA but you must
have a corresponding high deductible health policy. More technically, an HSA
can be established for any individual that meets all of the following:
is covered by a high deductible health plan
is not covered by another health plan
is not eligible to be claimed as a dependent on another person’s tax return
is not entitled to Medicare benefits
9. If my spouse has a non-HDHP would that prohibit me from getting an HDHP?
Generally, no. As long as your spouse’s non-HDHP does not cover you, you
remain an eligible individual and can participate in an HSA. If your spouse
had a family non-HDHP and you were not exempted from that coverage then you
would not be an eligible individual and would not be able to participate in
an HSA. However, if, for example, your spouse had a family non-HDHP to cover
himself and your two children only, then you would still be eligible to open
an HSA.
【在 q****x 的大作中提到】
: 双方都是family plan。
: PPO的有premium，但一般两个比一个单卖要划算。HSA的自付额高，所以premium便宜。
: 关键省了6250的税。对双收入家庭，这个不少吧。
|
q****x
发帖数: 7404 | 8 "is not covered by another health plan"
is it easy to check if they are from different companies? i think that's the
fun part of this play.
HSA
return
【在 k***n 的大作中提到】
: http://www.hsaresources.com/faq/
: 1. Who is eligible to open an HSA?
: Anyone, individuals, employees and employers, can open an HSA but you must
: have a corresponding high deductible health policy. More technically, an HSA
: can be established for any individual that meets all of the following:
: is covered by a high deductible health plan
: is not covered by another health plan
: is not eligible to be claimed as a dependent on another person’s tax return
: is not entitled to Medicare benefits
: 9. If my spouse has a non-HDHP would that prohibit me from getting an HDHP?
|
S**I
发帖数: 15689 | 9 If IRS wants to know, it can get this information easily.
the
【在 q****x 的大作中提到】
: "is not covered by another health plan"
: is it easy to check if they are from different companies? i think that's the
: fun part of this play.
:
: HSA
: return
|
k***n
发帖数: 3158 | 10 as a grown adult, you can make your own decision whether you want play
fire with IRS or not.
the
【在 q****x 的大作中提到】
: "is not covered by another health plan"
: is it easy to check if they are from different companies? i think that's the
: fun part of this play.
:
: HSA
: return
|
q****x
发帖数: 7404 | 11 everyone wants to. it's just risk & reward.
a good example is those f1 claiming ta/ra as fellowship.
【在 k***n 的大作中提到】
: as a grown adult, you can make your own decision whether you want play
: fire with IRS or not.
:
: the
|
k***n
发帖数: 3158 | 12 sure you are right
another good example is robbing banks without being caught
somebody wants to take that risk/reward, somebody does'nt
【在 q****x 的大作中提到】
: everyone wants to. it's just risk & reward.
: a good example is those f1 claiming ta/ra as fellowship.
|
l**********r
发帖数: 4612 | 13 Lol
【在 k***n 的大作中提到】
: sure you are right
: another good example is robbing banks without being caught
: somebody wants to take that risk/reward, somebody does'nt
|
