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为什么你应该关心健康储蓄账户(HSAs)

Investing Tax Planning

Health Savings Accounts (HSAs) 在过去的10年里已经成为一个受欢迎的健康保险计划的延伸, and will likely continue to grow in popularity. 你可能听说过它们,也许你甚至有一个. 但你知道吗,大多数账户持有人都没有充分利用他们的福利? 如果你(或你的家人)在未来的任何时候有医疗费用, and you prefer to pay less in taxes, you may be one of these people.

Let’s start with medical expenses. 众所周知,医疗保健非常昂贵. 随着年龄的增长,你会更容易生病和受伤,这也不是什么秘密. To summarize: healthcare is expensive now, it’s getting more expensive every year, 在未来的许多年里,你可能会需要它. How are you going to afford those costs? A Health Savings Account, perhaps?

What about taxes? 也许你享受着公司的401k或传统的个人退休账户,因为你现在不用缴纳缴款税. 当然,你将来取款时还要交税. 也许你很喜欢你的罗斯个人退休账户(Roth IRA),因为你将来不用为收入或取款交税, 即使你今天要为这笔钱交税. 但如果我告诉你,你可以获得两个账户的好处,而不用支付任何税呢, ever? Sounds too good to be true, but it’s not. And I bet you can guess how: Health Savings Accounts.

Health Savings Accounts, also known as HSAs, 就像他们听起来的那样:一个专门为医疗保健费用而设立的特别储蓄账户. You put some money away each year (up to $3,450 for individuals or $6,900 for families in 2018), let it grow, 当你需要支付医疗费用时就可以取走. In some cases, your employer may even offer an HSA, 或者为你提供一些钱(尽管前面提到的限制是相同的,不管钱来自谁).

What makes this account special is the triple tax benefit. 你不用为进入HSA的钱交税,所以今天你省下了税款. 随着钱的增长,你不用为收入纳税. 当你取钱的时候,你不用交税, 只要钱是用来支付合格的医疗费用. 如果使用得当,这是最有利的税收账户,因为 you never pay taxes on the money. Can’t find that anywhere else.

怀疑什么才是合格的医疗费用? Don’t be; the list is pretty long: http://www.hsacenter.com/what-is-an-hsa/qualified-medical-expenses/. 在某种程度上,你或你的家人有一个合格的医疗费用的可能性是非常高的, and continues to get higher as you get older. And there’s no “use it or lose it” rule; your money in the HSA can keep accumulating year after year.

Sounds good, right? 现在就存钱,以支付未来不可避免的医疗费用,并且永远不要在这笔钱上欠税. But there’s more. 如果你今天能负担得起自己的开支, and keep your receipts and records, 你可以在将来偿还你今天的费用. This allows those HSA to grow tax-free.

You might be thinking that sounds good, 但如果你的钱存在一个“储蓄账户”中,它就不会呈指数增长,因为你在银行的储蓄账户上赚的钱很少. That’s why you need to find an HSA with investment options. 一些HSA提供者提供投资共同基金的选择,而不是现金储蓄账户. 虽然你可能会承担更多的风险,但没有什么是有保证的, 这些基金的良好选择(如果构建得当)可能带来比现金更好的长期增长. 将HSA作为投资账户是积累免税资金用于未来不可避免的医疗费用的最佳方式.

Whew! There’s a lot going on with HSAs, 所以让我总结一下:对于任何有医疗费用的人来说,HSA都是一个很好的账户, which is practically everyone. 但要充分利用三重税收优惠, 你可以将HSA作为长期投资账户使用.

如果你对开放HSA有任何问题, how to search for providers, want help with an existing account, or anything in between, please let us know. 我们很乐意帮助您利用最优惠的税收帐户存在.

As always, thanks for reading!

About the Author: Josh Bentz

Josh Bentz, CFP®, Wealth Advisor, 通过提供全面的服务帮助客户组织和简化他们的财务生活, personal financial planning. 作为一名财富顾问,Josh为客户提供全面的财务规划. 他喜欢了解个人和家庭,这样他就能给出具体的、有意义的建议. 他相信作为一名受托人,做对客户最有利的事.