健康儲蓄戶口─由此開始（國際英文版）

What is an HSA?

Health Savings Account – an account where you save money for your healthcare expenses. It is owned by a single person and maintained by an IRS-approved trust company or custodian.

A long life of health and financial security is an important goal for all Americans, but that’s often easier said than done. You likely know some steps that can improve your health and finances, like eating better, exercising more, and putting money into savings. But
did you know that switching your health plan can also help you save for the future? Switching plans can also help you to develop a pattern of better living so you can live a healthier life.

An alternative to a traditional healthcare plan is a Health Savings Account (HSA) matched with an eligible High-Deductible Health Plan (HDHP). This health plan is designed to give you more control over your health spending and help you save money for the future.

S.J. Klumpenhower is a certified HSA specialist and healthcare advisor with Erisa Trust Company. She is a professional writer and graduated summa cum laude from the University of New Mexico.

Introduction: What is an HSA?

Why HSA?
Comparing Tax-Favored Accounts
How to Use this Book

Chapter 1: Eligibility

HSA-Eligible Health Plans

Other Coverage

Health FSAs and HRAs

Chapter 2: Contribute

Contribution Limits

Who Can Contribute

Comparability and Nondiscrimination

Owners and 2% or More Shareholders

Scheduling Contributions

Account Rollovers and Transfers

HSA-Rollover

IRA Transfer

Excess Contributions

Chapter 3: Distributions

Qualified Expenses

The Distribution Process

Save Receipts

Fees on Non-Eligible Withdrawals

Chapter 4: Account Management

Establishing Your HSA

Invest your Savings

Fund HSA First

Tips on Saving

Tax Reporting

Chapter 5: What about…?

Medicare

FMLA

Continuing Coverage

Losing and Regaining Eligibility

TRICARE and IHS Coverage

Divorce

Death

State Rules

Conclusion: Is HSA Right for You?

Taking Control of Your Health

Appendix I: Qualified Medical Expenses

Glossary

Resources