l***o
发帖数: 5337 | 1 我和老婆都有HSA plan，都把小孩当成dependent（就是小孩有两份保险），我同时还
在自己的plan里加了老婆（作为她的secondary coverage）。这种情况下，我们的HSA
分别上限是多少？我存了6550，她还可以再存吗？要是能存，上限是3300还是6550？
我们的high deductible insurance是不一样的，不同公司。
谢谢！ |
H******e
发帖数: 767 | 2 $6450 ($6550 typo?) is the maximum family contribution for 2013. since you
have contributed the maximum, your wife can not contribute any. You will
have tax penalty if her company contribute some money (say $1000) for free.
Why do you both have different HSA plan? I don't see any benefit from that? |
l***o
发帖数: 5337 | 3 谢谢！双包子欠着。。。最近破产了。。。
【在 H******e 的大作中提到】
: $6450 ($6550 typo?) is the maximum family contribution for 2013. since you
: have contributed the maximum, your wife can not contribute any. You will
: have tax penalty if her company contribute some money (say $1000) for free.
: Why do you both have different HSA plan? I don't see any benefit from that?
|
t*****r
发帖数: 536 | 4 最后那个问题很好理解吧
保险加家属一般都要钱，但是2份只保自己的保险就免费
【在 H******e 的大作中提到】
: $6450 ($6550 typo?) is the maximum family contribution for 2013. since you
: have contributed the maximum, your wife can not contribute any. You will
: have tax penalty if her company contribute some money (say $1000) for free.
: Why do you both have different HSA plan? I don't see any benefit from that?
|
l***o
发帖数: 5337 | 5 对，忘了解释了，两个人自己都免费，而且公司分别给match。
因为LP的公司给免费放1000在HSA里，这样是不是我在自己的HSA里少放1000，让我们两
个账户加起来低于family的上限就可以了？这个理解应该是正确的吧？
【在 t*****r 的大作中提到】
: 最后那个问题很好理解吧
: 保险加家属一般都要钱，但是2份只保自己的保险就免费
|
H******e
发帖数: 767 | 6 小孩当成 dependent is not free right? That was the part I don't understand.
why don't you just add your kid to one plan to save some money? |
l***o
发帖数: 5337 | 7 恩，我加小孩是free的，而且公司给HSA放很多，所以实际是倒找钱的。太太加小孩要
交些钱，但公司给补贴更多，实际也是倒找钱的。
现在我想就把小孩挂我名下，让太太自己管自己，这样是不是我们双方的公司给HSA的
补贴加上自己的投入，两个账户的总值不超过family的上限就行？
.
【在 H******e 的大作中提到】
: 小孩当成 dependent is not free right? That was the part I don't understand.
: why don't you just add your kid to one plan to save some money?
|
H******e
发帖数: 767 | 8 Yes I think that is right. |
l***o
发帖数: 5337 | 9 谢谢！
【在 H******e 的大作中提到】
: Yes I think that is right.
|
