{"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\/es\/2020\/03\/mastering-your-health-savings-account-hsa\/","title":{"rendered":"Dominar su cuenta de ahorros para la salud (HSA)"},"content":{"rendered":"
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\n Consejos de atenci\u00f3n m\u00e9dica<\/a>Bienestar mental<\/a> <\/div>\n\n

Dominar su cuenta de ahorros para la salud (HSA)<\/h1>\n\n
\n\n 13 de marzo de 2020<\/span>\n\n
\n\n Compartir<\/span>\n\n
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A medida que los costos del seguro m\u00e9dico han aumentado a lo largo de los a\u00f1os, muchos empleadores han comenzado a ofrecer planes de seguro m\u00e9dico con deducible alto (HDHA). A partir de 2020, las HDHA tienen un deducible anual m\u00ednimo de $1,400 para individuos y $2,800 para familias, con desembolsos m\u00e1ximos de $6,900 para individuos y $13,800 para familias.<\/p>\n<\/div>

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Esto significa que, si tiene una HDHA, podr\u00eda ser responsable de gastos m\u00e9dicos por valor de cientos o incluso miles de d\u00f3lares. Entonces, para ayudar con estos costos, la cobertura HDHA incluye la elegibilidad para una cuenta de ahorros para la salud o HSA. <\/p>\n<\/div>

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Una HSA comienza como una cuenta de efectivo que se financia con d\u00f3lares antes de impuestos, genera intereses o ingresos de inversiones libres de impuestos y se puede retirar libre de impuestos para pagar gastos m\u00e9dicos elegibles. Es una excelente manera de pagar la atenci\u00f3n m\u00e9dica ahora y una excelente manera de ahorrar para gastos de atenci\u00f3n m\u00e9dica en los a\u00f1os venideros. <\/p>\n<\/div>

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C\u00f3mo financiar una HSA<\/h4>\n<\/div>
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La mayor\u00eda de las personas tienen HDHA a trav\u00e9s de su empleador, pero cualquiera que tenga una HDHA puede abrir una HSA. A diferencia de una cuenta de gastos flexible que debe gastarse todos los a\u00f1os, el saldo de su HSA se transfiere todos los a\u00f1os y puede seguir ganando dinero. A partir de 2020, las personas pueden contribuir $3,550 por a\u00f1o a una HSA ($7,100 para familias) y aquellos de 55 a\u00f1os o m\u00e1s pueden agregar otros $1,000 anualmente hasta que se inscriban en Medicare. Mucha gente financia las HSA mediante deducciones de n\u00f3mina, pero independientemente de c\u00f3mo las financie, el dinero est\u00e1 ah\u00ed para usarlo en gastos m\u00e9dicos.<\/p>\n<\/div>

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HSA y planificaci\u00f3n de la jubilaci\u00f3n<\/h4>\n<\/div>
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Adem\u00e1s de la funci\u00f3n de las HSA como forma de cubrir los costos de la atenci\u00f3n m\u00e9dica, estas cuentas pueden ayudarlo a planificar con anticipaci\u00f3n la atenci\u00f3n que necesitar\u00e1 a medida que envejezca. Incluso una modesta contribuci\u00f3n mensual a una HSA puede sumar decenas de miles de d\u00f3lares dentro de 30 a\u00f1os, por lo que nunca es demasiado pronto para comenzar a contribuir.<\/p>\n<\/div>

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En serio: los adultos mayores de 65 a\u00f1os se preocupan m\u00e1s por sus problemas de salud que por cualquier otro aspecto de la jubilaci\u00f3n, y muchos no tienen idea de cu\u00e1nto necesitar\u00e1n para recibir atenci\u00f3n durante toda su vida. A partir de 2019, las estimaciones sugieren que una pareja sana necesitar\u00e1 casi $290,000 para atenci\u00f3n m\u00e9dica durante su jubilaci\u00f3n, y esa suma no incluye atenci\u00f3n dental, oftalmol\u00f3gica ni a largo plazo.<\/p>\n<\/div>

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Por lo tanto, tiene sentido comenzar a realizar contribuciones a la HSA d\u00e9cadas antes de la jubilaci\u00f3n; de hecho, si puede permitirse el lujo de pagar sus gastos m\u00e9dicos de rutina sin utilizar los fondos de su HSA ahora, puede acumular un colch\u00f3n para pagar los costos m\u00e9dicos en el futuro.<\/p>\n<\/div>

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Lo que no quiere decir que no deba utilizar los fondos ahora si los necesita ahora, para usted, su c\u00f3nyuge o sus hijos dependientes. Adem\u00e1s, puede utilizar el fondo de la HSA para pagar los costos de los tratamientos elegibles que se realizaron despu\u00e9s de que se estableci\u00f3 la HSA.<\/p>\n<\/div>

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Otras ventajas y calificaciones de HSA<\/h4>\n<\/div>
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Los fondos de la HSA son transferibles, lo que significa que no desaparecen si cambia de trabajo o se vuelve elegible para un nuevo plan de seguro m\u00e9dico HDHA. Solo las personas con cobertura adicional que no sea HDHA, las que tienen Medicare y cualquier persona que sea dependiente en la declaraci\u00f3n de impuestos de otra persona no son elegibles para inscribirse en una HSA. La inscripci\u00f3n en Medicare pone fin a la capacidad de contribuir a una HSA, pero los fondos siguen estando disponibles para pagar la atenci\u00f3n m\u00e9dica.<\/p>\n<\/div>

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Pero, en resumen, no todo el mundo puede inscribirse en una HSA, pero si re\u00fane los requisitos, los beneficios pueden ser de gran ayuda para que usted y su familia se mantengan sanos, ahora y en el futuro. Consulte a su asesor fiscal y a sus profesionales de recursos humanos sobre si califica para una HSA y cu\u00e1l es la mejor manera de utilizarla.<\/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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