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健康储蓄账户

正合我意! 一种为你的医疗需要省钱的方法.

开一个户头

或打电话 1-

健康储蓄帐户(HSA) 股息 率  年 
$0 - $2,499 0.10% 0.10%
$2,500 - $9,999 0.30% 0.30%
$10,000 - $24,999 0.30% 0.30%
25000美元以上 0.30% 0.30%

健康储蓄账户 年度百分比 收益率 (年) effective as of December 1, 2021,或于开户后更改,恕不另行通知. 费用可能会减少收益.

健康储蓄账户

A tax-free medical savings account for people enrolled in a high-deductible health plan.

关键特性

  • 贡献 can be made by you, your employer, or other individuals
  • 用于符合条件的支出的资金将不纳税
  • 年末,剩余资金结转以供日后使用
  • 随着你的账户余额的增长而增加的分级利率
  • 维持每日最低平均余额100美元以赚取股息
  • Comes with the 元素HSA Visa®借记卡 to use for your qualified purchases
  • Online portal for account management and safekeeping of your paperwork and receipts — accessible through online banking 或者移动应用程序

也许是个不错的选择,如果

  • 你有一个高免赔额的健康计划(HDHP)
  • 你想要一种安全便捷的方式来支付健康费用
  • 你想在免税的基础上为未来的医疗费用存钱

开一个储蓄帐户

那么,健康储蓄账户(HSA)到底是什么呢??

A 健康储蓄帐户(HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP). An HSA allows you to pay for current health expenses and 保存 for future medical and retiree healthcare expenses on a tax-free basis. 贡献, 收益, and distributions are all exempt from federal income 税 when funds are used for qualified medical expenses.

You can use the HSA to cover expenses related to your High Deductible Health Plan until you meet your deductible. 在你的免赔额达到之后, your health plan coverage will then pay all or a portion of your medical costs, 这取决于健康计划的效益设计. Any excess funds available in the HSA may be used for other qualified expenses, 包括牙科和视力费用. 基金也可能留在HSA中,以增加未来几年的使用.

开一个储蓄帐户

我可以在HSA门户中做什么?

一旦您打开了您的元素HSA, you will have access to the HSA Portal within 澳门新莆京手机网站 and the mobile app. 门户可以让你保存所有重要的信息, 比如文书工作和收据, 在一个地方, 这使得以后的检索和参考更容易吗. 以下是通过HSA门户网站可用的其他工具: 

  • 指示板 -概述您的余额和向HSA年度限制的进展.
  • 可扣除的追踪 -连接你的健康计划(例如. Blue Cross Blue Shield) account, to take the guesswork out of your progress against your deductible.
  • 保险公司的顾问 provides actionable feedback about how you can get the most benefit from your HSA.
  • 连结你的澳门新莆京手机网站 — link personal credit and/or debit cards to your account so that no HSA purchase goes uncaptured. You can also link your savings or checking account for easy reimbursements.
  • 投资账户 — view your investment account totals and move money to and from your TD Ameritrade account.
  • 卫生保健蓝皮书a free consumer guide to help you determine fair prices in your area for health care services such as surgery, 住院, 去看医生, 或医疗测试.
  • HSAStore.com唯一一个专门关注健康储蓄账户的网站, and it’s the easy way to shop for HSA-eligible over-the-counter products. Using this online store takes the guesswork out of what products are eligible.

Note, the HSA portal is provided through a partnership between 澳门新莆京游戏手机版 and Bend Financial.

通过澳门新莆京手机网站登录您的HSA门户网站

我的投资选择是什么?

澳门新莆京游戏手机版 HSA members have access to an investment program through TD Ameritrade. Those who do not plan to use all of their HSA funds for current year medical expenses may wish to consider investing HSA dollars for potential added savings.

才能参加投资项目, 你必须有至少2美元的账户余额,在你登记的时候你的HSA有500. 资格不构成该计划的注册. You must actively elect to enroll in order to use the investment funding provided to you through TD Ameritrade. 要开始注册过程,请通过元素登录到您的HSA.org/hsa. 从左侧导航菜单, select “投资账户” from the navigation bar and follow the prompts.

在TD Ameritrade注册后, 你可以移动超过2美元的任何金额,从你的HSA账户转入你的TD Ameritrade投资账户. 如果你的HSA账户余额低于2美元,500, you will not be able to move additional funds to your investment account.

如果你想了解更多的投资选择, 访问HSA门户中的HSA门户文档中心, 哪些可以被访问 登录澳门新莆京手机网站 或者移动应用程序. 在那里你可以查看投资计划的细节. Note that an active 元素 健康储蓄账户 is required to access the HSA Portal Document Center.

如果你对TD Ameritrade的投资计划有任何疑问, 包括注册和资金转移, 请致电HSA客户支持中心寻求帮助 1 - 855 - 440 - 4 - hsa (4472).

我要怎样开户?

开始就像1-2-3一样简单!

  1. 网上开户 在网上开立一个账户只需10分钟. 或打电话 1- 开始. 你有政府发给的身份证(驾驶执照吗?, 状态标识, (或护照)和社会保险号码.
  2. 〇检查电子邮件 You will receive an email within one business day to notify you of account approval. 就是这样! 你的 健康储蓄账户 现在是否可以接受雇主的供款.
  3. 注册澳门新莆京手机网站 访问HSA Portal - HSA Portal允许您管理您的HSA帐户. 通过在线银行或移动应用程序访问HSA门户. Enroll in online banking to easily access the portal from your smartphone, tablet, or computer. 了解更多澳门新莆京游戏手机版澳门新莆京手机网站的信息.

开一个储蓄帐户

我在哪里可以找到HSA表格?

请参阅下面的表格pdf列表,它们可以帮助您入门.

希望了解更多有关HSAs的信息?

If you’d like to better understand how you and your family can take full advantage of your 健康储蓄账户, 访问澳门新莆京游戏手机版的 HSA欢迎套件 页面 在澳门新莆京游戏手机版的网站上. 里面有很多澳门新莆京游戏手机版HSAs的有用信息.

阅读更多澳门新莆京游戏手机版健康储蓄账户的常见问题…

如果我有HSA问题,我应该给谁打电话?

Our Customer Support Center is available to answer questions about your HSA and assist you with your High Deductible Health Plan (HDHP) or for questions about the HSA Product or Portal:

  • 电话-免费致电855-440-4HSA () 周一至周五,东部时间上午8:00至下午5:00

我已经有了HSA? 我可以把它转移到元素吗?

是的! 很容易将您现有的余额转移到元素. 给澳门新莆京游戏手机版的团队成员打电话 1- 东部时间上午8点到下午5点学习.

我的HSA是如何存款的?

如果HSA是通过你的工作提供的, your employer can deduct the amount from each paycheck for deposit into the account. If you wish to make other deposits, call the HSA Customer Support Center at 1- 对矿床的指示.

What IRS reporting will I have to do each year for tax purposes for my HSA account?

You will need to complete IRS Form 8889 to be filed with your Form 1040 income tax filing each year, 不管你是否详细列出你的扣除项目. 这张表报告了你从HSA账户的存款和取款. We provide an online workbook based on your account usage to assist you with form completion. This is provided for informational purposes only and is not considered tax advice. For specific assistance with tax reporting of your HSA account, please see your personal tax advisor. 元素 will send the 1099-SA for distributions to arrive at the end of January and the 5498-SA for contributions to arrive at the end of May.

健康储蓄账户101

If you’d like to better understand how you and your family can take full advantage of your 健康储蓄账户, 访问澳门新莆京游戏手机版的 HSA欢迎工具包页面 在澳门新莆京游戏手机版的网站上. 里面有很多澳门新莆京游戏手机版HSAs的有用信息, 包括资格, 资助你的保险公司, 支付医疗, 税, 投资选择, 如何使用HSA门户, 和更多的.

 

查看HSA欢迎工具包

我很高兴我的工作场所伙伴与元素为澳门新莆京游戏手机版的HSA. 这个在线门户网站使用方便,节省了我大量的时间.

——克里斯·D. | 2018年会员

我应该存多少钱来达到我的目标?

储蓄计算器

结果