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健康储蓄账户

It’s just what the doctor ordered! A way to 保存 money for your medical needs.

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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(年),自2021年12月1日起生效, and may change after account opening without notice. 费用可能会减少收入.

健康储蓄账户

为参加高扣除额健康计划的人设立的免税医疗储蓄账户.

关键特性

  • 贡献 can be made by you, your employer, or other individuals
  • Funds will not be taxed if used for qualified expenses
  • At year-end, remaining funds carry over for use in future years
  • Tiered interest rates that increase as your account balance grows
  • Maintain a minimum average daily balance of $100 to earn dividends
  • 与元素 HSA Visa®借记卡一同提供,用于您符合条件的购买
  • 在线门户网站帐户管理和保护您的文书工作和收据-可通过哪个赌钱app比较好或移动应用程序

可能是一个好的选择,如果

  • You have a high-deductible health plan (HDHP)
  • You want a safe and convenient way to pay for health expenses
  • You want to 保存 for future medical expenses on a tax-free basis

开一个储蓄帐户

So, what exactly is a 健康储蓄帐户(HSA)?

健康储蓄账户(HSA)是一种税收优惠的医疗储蓄账户,适用于参加高免赔额健康计划(HDHP)的美国纳税人。. HSA允许你在免税的基础上支付当前的医疗费用,并为未来的医疗和退休人员的医疗费用储蓄. 贡献, 收益, 当基金用于符合条件的医疗费用时,这些基金都是免税的.

你可以使用HSA来支付与你的高免赔额健康计划相关的费用,直到你达到你的免赔额. After your deductible has been met, 你的健康保险将支付你的全部或部分医疗费用, depending on the benefit design of the health plan. HSA中剩余的资金可用于其他符合条件的费用, including dental and vision costs. Funds may also remain in the HSA to grow for use in future years.

开一个储蓄帐户

What can I do in the HSA Portal?

Once you have opened your 元素 HSA, 您将在哪个赌钱app比较好和移动应用程序中访问HSA门户. The Portal enables you to keep all of your important information, 比如文书和收据, 在一个地方, which makes for easy retrieval and reference later. Here’s a glimpse at other tools available through the HSA Portal: 

  • 指示板 — overview of your balances and progress toward the HSA yearly limit.
  • 可扣除的追踪 -连接你的健康计划(例如. 蓝十字蓝盾)帐户,以采取猜测出你的进展对你的免赔额.
  • 保险公司的顾问 就如何从HSA中获得最大利益提供可操作的反馈.
  • 连接你的信用卡 -将个人信用卡和/或借记卡与您的账户连接起来,这样就不会有任何HSA交易未被捕获. 您还可以链接您的储蓄或支票帐户,以方便偿还.
  • 投资账户 -查看您的投资帐户总额,并将资金从您的TD Ameritrade帐户.
  • 医疗保健蓝皮书一个免费的消费者指南,帮助你确定你所在地区的医疗保健服务(如手术)的公平价格, 住院, 去看医生, 或医疗测试.
  • HSAStore.comthe only site exclusively focused on health savings accounts, 也是购买符合hsa标准的非处方药的简单方式. 使用这个在线商店可以避免猜测哪些产品是合格的.

注意,HSA门户是通过好的赌博软件推荐和Bend Financial之间的合作伙伴关系提供的.

登录 to 你的 HSA Portal through 哪个赌钱app比较好

What are my 投资选择?

好的赌博软件推荐 HSA会员可以通过TD Ameritrade参与投资项目. 那些不打算用所有HSA资金支付本年度医疗费用的人,可以考虑投资HSA美元,以潜在地节省开支.

In order to enroll in the investment program, you must have an account balance of at least $2,500 in your HSA at the time of enrollment. Eligibility does not constitute enrollment in the program. 您必须积极选择报名以使用TD Ameritrade提供给您的投资资金. To begin the enrollment process, log in to your HSA through mwinata.com/hsa. From the left navigation menu, 从导航栏中选择“投资帐户”,并按照提示操作.

Post enrollment in TD Ameritrade, you’ll be able to move any amount over $2,500 from your HSA account to your TD Ameritrade investment account. If your HSA account balance goes below $2,500, 您将无法将额外的资金转移到您的投资帐户.

If you wish to learn more about 投资选择, visit the HSA Portal Document Center in the HSA Portal, 哪个可以被访问 登录哪个赌钱app比较好 或者移动应用程序. There you can review the Investment Program details. 请注意,需要活动元素健康储蓄帐户才能访问HSA门户文档中心.

If you have any questions about the TD Ameritrade investment program, including enrollment and transfer of funds, please contact the HSA Customer Support Center 寻求帮助 at 1 - 855 - 440 - 4 - hsa (4472).

我要怎样开户?

Getting started is as easy as 1-2-3!

  1. 网上开户- Open an account online in as little as 10 minutes. 或打电话 1- 开始. Have your government-issued ID (driver’s license, 状态标识, or passport) and your Social Security number ready.
  2. 〇检查电子邮件 您将在一个工作日内收到邮件通知您的账户批准. 就是这样! 你的 健康储蓄账户 is now open and ready for contributions from your employer.
  3. 注册哪个赌钱app比较好 访问HSA门户- The HSA Portal allows you to manage your HSA account. The HSA Portal is accessed within 哪个赌钱app比较好 或者移动应用程序. 通过注册哪个赌钱app比较好,可以方便地从智能手机、平板电脑或电脑访问门户网站. Learn more about 哪个赌钱app比较好.

开一个储蓄帐户

哪里可以找到HSA表格?

See below for a list of form PDFs that can help you get started.

Looking to 了解更多 About HSAs?

如果你想更好地了解你和你的家人如何充分利用你的健康储蓄账户, 访问我们的 HSA欢迎套件 页面 在我们的网站上. It’s full of helpful information about HSAs.

Read more frequently asked questions about 健康储蓄账户s…

Whom do I call if I have HSA questions?

我们的客户支持中心可以回答关于您的HSA的问题,并帮助您解决您的高免赔额健康计划(HDHP)或关于HSA产品或门户的问题:

  • By Phone — Call us toll-free at 855-440-4HSA () Available 8:00am to 5:00pm Eastern Time, Monday through Friday
  • 通过电子邮件, hsa@mwinata.com Please allow one business day for a proper response.

我已经有一个HSA了? 我能把它转到元素吗?

是的! It’s easy to transfer your existing balance to 元素. Call one of our team members at 1- 东部时间早上8点到下午5点学习.

How are deposits made to my HSA?

If the HSA is offered through your work, 你的雇主可以从每次工资中扣除金额,存入账户. 如果您希望进行其他存款,请致电HSA客户支持中心 1- 对矿床的指示.

为了我的HSA账户,我每年必须做什么国税局报告?

你每年都需要填写IRS表格8889,与表格1040一起填写所得税报税表, whether you itemize your deductions or not. This form reports your deposits and withdrawals from the HSA account. 我们根据您的帐户使用情况提供在线工作簿,以协助您完成表格. 这只是提供信息的目的,不被认为是税务建议. 有关您的HSA账户税务申报的具体协助,请与您的个人税务顾问联系. 各部队将发送1099-SA以便于1月底分发,5498-SA以便于5月底分发.

健康储蓄账户101

如果你想更好地了解你和你的家人如何充分利用你的健康储蓄账户, 访问我们的 HSA欢迎套件页面 在我们的网站上. It’s full of helpful information about HSAs, 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欢迎套件

I am glad that my workplace partners with 元素 for our HSA. The online portal is so easy to use and 保存s me tons of time.

——克里斯·D. |自2018年成为会员

How Much Should I Save to Reach My Goal?

储蓄计算器

结果