请问大家都怎么管理hsa呢？是集中到一个账户管理还是分散在不同的银行呢？比如如果换了公司用不同的hsa，可以选择把没用完的继续留在原来公司的账户吗？
briel 发表于 2022-01-10 13:28
2022 年最佳 HSA 账户
等级 大校 帖子 10397 精华 0 积分 10397 魅力 10491 现金 10386 威望 12 性别 保密 在线时间 546359 注册@ 2010-04-12 最后活跃 2022-08-22
好像fidelity 也有HSA 管理不收钱。想着以后换工作就把钱转fidelity, 不然在原账户里每个月被扣3块钱不知不觉钱都扣没了。
请问大家都怎么管理hsa呢？是集中到一个账户管理还是分散在不同的银行呢？比如如果换了公司用不同的hsa，可以选择把没用完的继续留在原来公司的账户吗？
briel 发表于 2022-01-10 13:28
借问如果原来的HSA在我名下，今年开始保险换去老公名下了，新HSA也在老公名下。那我原来的能以家庭为单位跟新的HSA合到一起吗？
sun_kissed 发表于 2022-01-10 15:54
This HSA calculator is intended to be used as a reference tool only. Your actual maximum contribution, tax savings and future savings may vary depending on a number of factors (such as variations in other payroll taxes, income or medical expenses and changes in state or federal tax laws or regulations.) The content of this communication is not intended as legal or tax advice. Federal and state laws and regulations are subject to change.
Health savings accounts (HSAs) are individual accounts offered through Optum Bank®, Member FDIC, or ConnectYourCare, LLC, an IRS-Designated Non-Bank Custodian of HSAs, each a subsidiary of Optum Financial, Inc. Neither Optum Financial, Inc. nor ConnectYourCare, LLC is a bank or an FDIC insured institution. HSAs are subject to eligibility requirements and restrictions on deposits and withdrawals to avoid IRS penalties. State taxes may apply. Fees may reduce earnings on account.
This communication is not intended as legal or tax advice. Federal and state laws and regulations are 2022 年最佳 HSA 账户 subject to change. Please contact a legal or tax professional for advice on eligibility, tax treatment, and restrictions. Please contact your plan administrator with questions about enrollment or plan restrictions.
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2022 年 HSA 调整
每年，美国国税局都会宣布与高免赔额健康计划相关的健康储蓄账户 (HSA) 的变化。 HSA 的目的是鼓励美国人购买最好的医疗保健万博3.0ios下载，在选择提供者时考虑成本，并有选择地使用资金。根据 白宫管理和预算办公室2020 年，与 HSA 相关的税收减免使联邦所得税收入减少了 85 亿美元。
2022 年的增幅为：
自费：从 3,600 美元增加到 3,650 美元（比 2021 年增加 50 美元）。
家庭：从 7,200 美元增加到 7,300 美元（比 2021 年增加 100 美元）。
根据人力资源管理协会 (SHRM) 的说法，政府根据截至 3 月 31 日的 12 个月期间所有城市消费者的消费者价格指数做出决定。
对最大自付费用金额进行了类似的调整：
自费：从 7,000 美元增加到 7,2022 年最佳 HSA 账户 050 美元（比 2021 年增加 50 美元）。
家庭：从 14,000 美元增加到 14,100 美元（比 2021 年增加 100 美元）。
55 岁及以上的追补供款金额不会自动调整，仍为 1,000 美元。
最低免赔额保持不变：
仅自费：1,400 2022 年最佳 HSA 账户 美元。
家庭：2,800 美元。
See IRS Rev. Proc. 2021-25 了解更多信息。
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