{"id":22138,"date":"2020-03-13T01:40:31","date_gmt":"2020-03-13T01:40:31","guid":{"rendered":"https:\/\/www.hancockhealth.org\/?p=3906"},"modified":"2020-03-13T01:40:31","modified_gmt":"2020-03-13T01:40:31","slug":"mastering-your-health-savings-account-hsa","status":"publish","type":"post","link":"https:\/\/www.hancockhealth.org\/de\/2020\/03\/mastering-your-health-savings-account-hsa\/","title":{"rendered":"Beherrschung Ihres Gesundheitssparkontos (HSA)"},"content":{"rendered":"
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\n Gesundheitstipps<\/a>Geistiges Wohlbefinden<\/a> <\/div>\n\n

Beherrschung Ihres Gesundheitssparkontos (HSA)<\/h1>\n\n
\n\n 13. M\u00e4rz 2020<\/span>\n\n
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As health insurance costs have risen over the years, many employers have started to offer high-deductible health insurance (HDHA) plans. As of 2020, HDHAs carry a minimum annual deductible of $1,400 for individuals and $2,800 for families, with out-of-pocket maximums of $6,900 for individuals and $13,800 for families.<\/p>\n<\/div>

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This means, if you have\nan HDHA, you could be responsible for hundreds or even thousands of dollars\u2019\nworth of medical expenses. So to help with these costs, HDHA coverage includes\neligibility for a health savings account, or HSA. <\/p>\n<\/div>

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An HSA begins as a cash\naccount that’s funded with pre-tax dollars, earns tax-free interest or\ninvestment income, and can be withdrawn tax free to pay for eligible medical\nexpenses. It\u2019s a great way to pay for health care now\u2014and a great way to save\nfor healthcare expenses in years to come. <\/p>\n<\/div>

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How to fund an HSA<\/h4>\n<\/div>
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Most people have HDHAs\nthrough their employer, but anyone with an HDHA can open an HSA. Unlike a flexible\nspending account that has to be must be spent down every year, your HSA balance\ncarries over every year and can keep earning money. As of 2020, individuals can\ncontribute $3,550 per year to an HSA \u2013 $7,100 for families \u2013 and those at or\nover age 55 can add another $1,000 annually until they sign up for Medicare.\nLots of people fund HSAs through payroll deduction\u2014but however you fund it, the\nmoney\u2019s there to use for medical expenses.<\/p>\n<\/div>

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HSAs and retirement planning<\/h4>\n<\/div>
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Along with HSAs’ role as\na way to cover the costs of medical care, these accounts can help you plan\nahead for the care you’ll need as you get older. Even a modest monthly HSA contribution\ncan add up to tens of thousands of dollars in 30 years’ time, so it\u2019s never too\nearly to begin contributing.<\/p>\n<\/div>

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Seriously: Adults over\nage 65 worry more about health concerns than about any other aspect of retirement,\nand many have no idea how much they’ll need for lifelong care. As of 2019,\nestimates suggest that a healthy couple will need nearly $290,000 for health\ncare throughout retirement, and that sum doesn’t include dental, vision, or\nlong-term care.<\/p>\n<\/div>

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So it makes sense to\nstart making HSA contributions decades before retirement; in fact, if you can\nafford to pay for your routine healthcare expenses without using your HSA funds\nnow, you can build up cushion to pay for medical costs in the future.<\/p>\n<\/div>

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Which is not to say you\nshouldn\u2019t use the funds now if you need them now, for you, your spouse, or your\ndependent children. In additional, you can use HSA fund to pay back the costs\nof eligible treatments that occurred after the HSA was established.<\/p>\n<\/div>

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Other HSA advantages and qualifications<\/h4>\n<\/div>
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HSA funds are portable,\nwhich means they don’t disappear if you change jobs or become eligible under a\nnew HDHA health insurance plan. Only people with additional non-HDHA coverage,\nthose on Medicare, and anyone who’s a dependent on someone else’s tax return\nare ineligible to sign up for HSAs. Enrollment in Medicare puts an end to the\nability to contribute to an HSA, but the funds remain available to pay for\nmedical care.<\/p>\n<\/div>

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But\u2014in short\u2014not\neveryone can sign up for an HSA, but if you qualify, the benefits can go a long\nway toward helping you keeping yourself and your family healthy\u2014now and for\nyears to come. Consult your tax advisor and human resources professionals about\nwhether you qualify for an HSA and how best to use it.<\/p>\n<\/div>

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An HSA begins as a cash account that’s funded with pre-tax dollars, earns tax-free interest or investment income, and can be withdrawn tax free to pay for eligible medical expenses. <\/p>","protected":false},"author":6,"featured_media":3907,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_tec_requires_first_save":true,"_EventAllDay":false,"_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":false,"_EventShowMapLink":false,"_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":[],"_EventVenueID":[],"_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":false,"_VenueShowMapLink":false,"_tribe_blocks_recurrence_rules":"","_tribe_blocks_recurrence_description":"","_tribe_blocks_recurrence_exclusions":"","footnotes":""},"categories":[387,1312,1315],"tags":[594,722,612,598,414],"service":[],"class_list":["post-22138","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-possible","category-healthcare-tips","category-mental-well-being","tag-budgeting","tag-health-savings-account","tag-life-home","tag-money","tag-survivor"],"acf":{"featured_image":null,"page_title":"","sub_header":"","display_overlay":false},"yoast_head":"\nMastering Your Health Savings Account (HSA) - 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