A 健康储蓄账户 is a way to pay for health-related expenses, sure. 但也有很多好处. Learn more about how to save on taxes and how you can use an 保险公司 to pay for qualified medical expenses for you and your family today and into the future. 让你的医疗保健费用花得更多.
The easy way to save for and pay for healthcare expenses.
Life has its surprises but with an 保险公司 from United, paying for qualified medical expenses won't be one of them. If your insurance policy is a High Deductible Health Plan (HDHP), it can hurt your wallet too. Our 健康储蓄账户 (保险公司) is an easy way to save for medical expenses and health care costs like doctor visits, 处方, 牙科保健, 和更多的.
+, withdrawals for qualified medical expenses and dividends are both tax-free. And the 保险公司 Debit 卡 makes paying for expenses quick and easy.
你r employer or insurance carrier may change, but you can always keep your funds at United.
免费Visa借记卡 to make paying your qualified medical expenses easy
别把山姆大叔放在你的钱包里. 你捐献给保险公司的钱会被投入进去, grows and comes out income-tax free when used for qualified medical expenses. 你 know you're going to need it — so why not save on taxes, too?
你可以把钱存到你的保险公司里， 不管什么, even if you change jobs or move off a qualifying high-deductible health plan. 当你, your employer or anyone else contributes to your 保险公司, it stays there so you can use it when you need it. +, any money you keep in your account may earn dividends and once your 保险公司 reaches a certain designated balance, you may choose to invest a portion of your 保险公司 dollars in mutual funds to grow your balance.
你 can use your 保险公司 to pay for the qualified medical expenses of anyone you claim on your taxes, even if you're only enrolled with single coverage. This is a great way to plan for unexpected medical expenses, 从你的免赔额到看急诊, 为了整个家庭. 这包括你的配偶, 你在纳税申报单上要求的任何家属, or dependents claimed on your ex-spouse’s tax return, 或者任何你可以声称是家属的人.
你 may not be ready to retire, but chances are you’re already planning for it. An 保险公司 is a great tool to help you prepare for future health care costs and retirement. After turning 65 you can use your 保险公司 funds for non-qualified expenses, 比如坐船，或是去国外度假. 你’ll pay ordinary income tax on those funds, but the 20% tax penalty no longer applies. 当你计划未来的时候, your 保险公司 can ease your mind and prepare you for retirement by saving money income tax-free. 一旦你65, your 保险公司 is treated like a traditional 爱尔兰共和军 if you withdraw money for non-medical expenses.
保险公司s from United can be used to pay for qualified health expenses for yourself and your covered dependents tax free. To be an eligible individual and qualify for an 保险公司, 您必须满足以下要求, 根据美国国税局的定义:
你 cannot be claimed as a dependent on someone else's tax return.
你 must be covered under a high deductible health plan (HDHP) on the first day of the month.
你没有参加医疗保险, TRICARE or TRICARE for Life or other health coverage except what is permitted by the IRS.
你 haven’t received Veterans Affairs (VA) benefits within the past three months, 预防保健除外. If you have a disability rating from the VA, this exclusion doesn’t apply.
你 do not have a health care flexible spending account (FSA) or health reimbursement account (HRA). Alternative plan designs, such as a limited-purpose FSA or HRA, might be permitted.
The 2021 IRS limits are $3,600 single and $7,200 family. 保险公司 participants 55 or older are also eligible for an additional $1,000 contribution catch up amount. Pre-tax dollars may be used for qualifying expenses such as 处方, 来说,免赔额, 医疗用品, dental and vision expenses and Medicare premiums after age 65. 保险公司’s are IRS auditable so those interested should confirm they meet eligibility:
Covered under a qualifying high-deductible health plan (HDHP)
No other health coverage except what is permitted by the IRS
Not enrolled in Medicare, TRICARE or TRICARE for Life
Cannot be claimed as a dependent on someone else's tax return
保险公司s are often confused with a normal deposit account. 他们不是. All 保险公司 transactions are reported to the IRS for tax purposes and may not be reversed.
尤其是网上银行, it is common for Members to sometimes remove or deposit funds to their 保险公司 by accident and then try to reverse the transaction. 不幸的是, 保险公司 transactions can only be reversed as an exception with assistance from the 爱尔兰共和军 Department. These errors cause tax consequences and IRS penalties if done. Likewise, contributions to your 保险公司 cannot be made for a prior tax year.