r****e
发帖数: 229 | 1 一、加州hsa self-contribution和employer contribution都是taxable的，对吗？
二、如果有out of pocket medical expense要付，貌似用hsa付并没有什么好处。我用
信用卡付还能拿cash back呢。对吗？ |
w***s
发帖数: 314 | 2 Hsa 是tax free，
【在 r****e 的大作中提到】
: 一、加州hsa self-contribution和employer contribution都是taxable的，对吗？
: 二、如果有out of pocket medical expense要付，貌似用hsa付并没有什么好处。我用
: 信用卡付还能拿cash back呢。对吗？
|
r****m
发帖数: 1204 | 3 1. Both are tax-free: tax-free contribution, tax-free growth, tax-free
withdrawal. (you can never find such a good deal elsewhere)
2. 对， 先不要touch HSA funds now, 作retirement用. Use credit card to pay
med expense now is a good idea. |
s*******e
发帖数: 257 | 4 hsa tax free指的是federal tax free，至于ca state tax，似乎还是要付的。等高人
解答。 |
r****m
发帖数: 1204 | 5 Yes, state level hsa tax is a lot more complicated, this link has a good
summary -
http://www.hsaforamerica.com/state-income-tax.htm |
r****e
发帖数: 229 | 6 That's what I thought. There were a few propositions attempting to remove
that liability for California residents but all died.
Thanks for confirmation
【在 s*******e 的大作中提到】
: hsa tax free指的是federal tax free，至于ca state tax，似乎还是要付的。等高人
: 解答。
|
l*****n
发帖数: 517 | 7 用CC的钱应该也是可以免税的，但是除非你预计将来的HSA不够用，为什么要不用HSA的
钱而用其他钱来刷呢？ |
r****m
发帖数: 1204 | 8 Because you can enjoy tax-free growth of the HSA money.
If you use HSA money now, you lose such benefit, remember - your other money
cannot produce tax free growth. |
|
l*****n
发帖数: 517 | 9 你的意思是指HSA的钱可以投资，投资收益也是免税的是吧？ HSA账户里面也可以投资
吗？
money
【在 r****m 的大作中提到】
: Because you can enjoy tax-free growth of the HSA money.
: If you use HSA money now, you lose such benefit, remember - your other money
: cannot produce tax free growth.
|
r****m
发帖数: 1204 | 10 Yes and Yes.
The condition is you will use the HSA money later for medical uses, such as
paying medicare premiums which I think everyone needs to. |
|
|
r****e
发帖数: 229 | 11 一、加州hsa self-contribution和employer contribution都是taxable的，对吗？
二、如果有out of pocket medical expense要付，貌似用hsa付并没有什么好处。我用
信用卡付还能拿cash back呢。对吗？ |
w***s
发帖数: 314 | 12 Hsa 是tax free，
【在 r****e 的大作中提到】
: 一、加州hsa self-contribution和employer contribution都是taxable的，对吗？
: 二、如果有out of pocket medical expense要付，貌似用hsa付并没有什么好处。我用
: 信用卡付还能拿cash back呢。对吗？
|
r****m
发帖数: 1204 | 13 1. Both are tax-free: tax-free contribution, tax-free growth, tax-free
withdrawal. (you can never find such a good deal elsewhere)
2. 对， 先不要touch HSA funds now, 作retirement用. Use credit card to pay
med expense now is a good idea. |
s*******e
发帖数: 257 | 14 hsa tax free指的是federal tax free，至于ca state tax，似乎还是要付的。等高人
解答。 |
r****m
发帖数: 1204 | 15 Yes, state level hsa tax is a lot more complicated, this link has a good
summary -
http://www.hsaforamerica.com/state-income-tax.htm |
r****e
发帖数: 229 | 16 That's what I thought. There were a few propositions attempting to remove
that liability for California residents but all died.
Thanks for confirmation
【在 s*******e 的大作中提到】
: hsa tax free指的是federal tax free，至于ca state tax，似乎还是要付的。等高人
: 解答。
|
l*****n
发帖数: 517 | 17 用CC的钱应该也是可以免税的，但是除非你预计将来的HSA不够用，为什么要不用HSA的
钱而用其他钱来刷呢？ |
r****m
发帖数: 1204 | 18 Because you can enjoy tax-free growth of the HSA money.
If you use HSA money now, you lose such benefit, remember - your other money
cannot produce tax free growth. |
l*****n
发帖数: 517 | 19 你的意思是指HSA的钱可以投资，投资收益也是免税的是吧？ HSA账户里面也可以投资
吗？
money
【在 r****m 的大作中提到】
: Because you can enjoy tax-free growth of the HSA money.
: If you use HSA money now, you lose such benefit, remember - your other money
: cannot produce tax free growth.
|
r****m
发帖数: 1204 | 20 Yes and Yes.
The condition is you will use the HSA money later for medical uses, such as
paying medicare premiums which I think everyone needs to. |
|
|
N*C
发帖数: 1987 | 21 用CC免不了税吧。
health care expense要免税的话需要达到一定限额才行，超过限额的部分才能免税。
我记得是这样的。
【在 l*****n 的大作中提到】
: 用CC的钱应该也是可以免税的，但是除非你预计将来的HSA不够用，为什么要不用HSA的
: 钱而用其他钱来刷呢？
|
t*********f
发帖数: 256 | 22 请问是不是超过AGI 10% 的部分才可以免税？
【在 N*C 的大作中提到】
: 用CC免不了税吧。
: health care expense要免税的话需要达到一定限额才行，超过限额的部分才能免税。
: 我记得是这样的。
|
m*********s
发帖数: 1188 | 23 tax-free withdrawal only for eligible medical expenses. NOT for "cash out",
even after 65 in age.
【在 r****m 的大作中提到】
: 1. Both are tax-free: tax-free contribution, tax-free growth, tax-free
: withdrawal. (you can never find such a good deal elsewhere)
: 2. 对， 先不要touch HSA funds now, 作retirement用. Use credit card to pay
: med expense now is a good idea.
|
N*C
发帖数: 1987 | 24 应该是。
【在 t*********f 的大作中提到】
: 请问是不是超过AGI 10% 的部分才可以免税？
|
