An 保险公司 is for individuals and families with High Deductible Health Plans. It is an 爱尔兰共和军-like account that allows you to save for present and future health expenses. All account balances are interest-paying and federal tax-deductible. 2024年, 个人最多可以捐款4美元,150 to their 保险公司 accounts and families can contribute up to $8,300.
Contributions are made into the account by the individual or their employer 并 limited to a maximum amount each year.
The contributions are invested over time and can be used for qualified medical expenses, 比如医疗, 牙科, 还有视力保健, 还有处方药.
Qualified withdrawals are tax and penalty free at any time regardless of age or length the account has been open, and if used for qualified health care expenses.
An 保险公司 provides easy options for contributions and withdrawals:
保险公司 delivers federal tax savings, tax-free earnings and more1
Use the funds to pay for current medical expenses or save for future qualified health needs
保险公司没有“要么用要么丢”的规则
Keep your 保险公司 or move it between financial institutions if you change jobs
家庭 saves money on all prescription medication purchases
Get quality, convenient, and low-cost lab testing
You are eligible for 保险公司 any calendar month if you:
Still not sure whether you qualify for an 保险公司? 请致电 800.358.8228.
An HDHP is a High Deductible Health Plan is health insurance with a high minimum deductible for medical expenses that must be paid before insurance kicks in. 换句话说, 你每月的保险费通常较低, but you pay more health costs yourself before the insurance company covers its share.
High-deductible health plans and contribution limitations change annually to reflect cost-of-living increases.
2024 HDHP限制
| 计划覆盖 | 自我只有 | 家庭 |
| 年度扣除 | $1,600 | $3,200 |
| 年度扣除 plus out of pocket expenses cannot exceed | $8,050 | $16,100 |
| 年度供款限额 | $4,150 | $8,300 |
2024年, annual catchup contributions are $1,000 for individuals 55 or older.
是的，保险公司s是便携式的. You can transfer the assets in your 保险公司 from another financial institution to Patelco.
The maximum contribution amounts you can make to your 保险公司 account (based on your coverage) are in the chart below. Please ensure that you meet the eligibility requirements to open an 保险公司 account to contribute.
High-deductible health plans and contribution limitations change annually to reflect cost-of-living increases.
2024 HDHP限制
| 计划覆盖 | 自我只有 | 家庭 |
| 年度扣除 | $1,600 | $3,200 |
| 年度扣除 plus out of pocket expenses cannot exceed | $8,050 | $16,100 |
| 年度供款限额 | $4,150 | $8,300 |
2024年, annual catchup contributions are $1,000 for individuals 55 or older.
Sole proprietors and others who are self-employed can have an 保险公司, 并, 事实上, 通常是保险公司的理想人选. In such situations, the business owner is both employer and employee. 保险公司s are often advantageous for the self–employed because:
1 Consult your tax advisor about 保险公司 tax advantages.
2 年 =年收益率百分比
