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At lægge penge på en sundhedsopsparingskonto er en glimrende måde at spare på dine skatter og samtidig beskytte dig mod uforudsete udgifter. Du kan tage et skattefradrag for de penge, du lægger på en sundhedsopsparingskonto, selvom du ikke specificerer dine fradrag. Du kan derefter bruge pengene på kontoen til at betale for støtteberettigede sundhedsydelser, herunder medicin og lægebesøg.

HSA Maksimal Indkomstgrænser: penge

Medtag dit HSA-bidrag på din selvangivelse.

Ingen indkomstgrænser

I modsætning til individuelle pensionsregnskaber og andre opsparingsprogrammer er sundhedsopsparingskonti ikke underlagt indkomstgrænser. Fra 2011 er der ingen indkomstbegrænsninger på adgang til en sundhedsopsparingskonto, og enhver, der har en HSA-støtteberettiget sundhedsplan, kan finansiere en sådan konto. Det gør HSA til et godt valg for mange forbrugere, da de penge, du lægger i, kan give dig en værdifuld skatteafbrydelse, når du sender dit retur.

Typer af indkomst

I modsætning til en IRA, som giver dig mulighed for at investere kun lønindkomst, er der ingen sådanne begrænsninger for bidrag til sundhedsopsparingskonto. Hvis du ønsker, kan du bruge uindtjente indtægter, såsom kapitalgevinster, renter og udbytte, til at finansiere din HSA. Du kan selvfølgelig også bidrage med lønindtægter som løn ved at aflevere en del af hver lønseddel til din sundhedsparekonto. Uanset indkomstkilden kan du stadig tage et fradrag for det beløb, du lægger i din HSA, op til de gældende grænser, der pålægges af Internal Revenue Service.

Bidragsgrænser

Selv om der ikke er nogen indkomstgrænser for deltagelse i en sundhedsopsparingskonto, er der grænser for det beløb, du kan bidrage hvert år. Regeringen gennemgår disse grænser hvert år og tilpasser dem efter behov, baseret på en række faktorer, herunder sundhedsplejeinflation. For 2011 kan du bidrage op til $ 3.050 til en sundhedsopsparingskonto, der dækker et individ. Hvis din sundhedsparekonto dækker hele din familie, kan du bidrage med op til $ 6.150. Derudover kan de 55 og ældre bidrage med yderligere $ 1.000 til deres planer.

Støtteberettigede sundhedsplaner

Før du kan bidrage til en sundhedsopsparingskonto, skal du have en godkendt sygesikringsplan på plads. Sundhedsforsikringsplanen skal være på plads inden den dato, hvor du åbner HSA. For at kvalificere skal den sygeforsikringsplan du vælger have fradragsret på mindst $ 1200 for individuel dækning eller $ 2.400 for familiedækning. Dette fradragsberettigede niveau opfylder kravet om en høje fradragsberettiget sundhedsplan, som i øjeblikket er den eneste form for sundhedsplan, du kan bruge med en HSA. Disse fradragsberettigede krav er fra 2011 og kan ændres. Kontroller altid med din sygesikringsmægler for at sikre, at din plan er HSA-berettiget.

FAQ - 💬

❓ What is the max HSA contribution for 2022?

👉 $3,650Consumers can contribute up to the annual maximum amount as determined by the IRS. Maximum contribution amounts for 2022 are $3,650 for self-only and $7,300 for families. The annual “catch-up” contribution amount for individuals age 55 or older will remain $1,000.

❓ What is an HSA account used for?

👉 A type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. By using untaxed dollars in a Health Savings Account (HSA) to pay for deductibles, copayments, coinsurance, and some other expenses, you may be able to lower your overall health care costs.

❓ Can you withdraw money from HSA?

👉 Yes. You can withdraw funds from your HSA anytime. But keep in mind that if you use HSA funds for any reason other than to pay for a qualified medical expense, those funds will be taxed as ordinary income, and the IRS will impose a 20% penalty.

❓ Does money in an HSA expire?

👉 But often, FSA funds must be used by the end of a calendar year, or you lose them. HSAs are different. The money you contribute to an HSA has no “expiration date.” You can withdraw funds you need to pay for everyday out-of-pocket health care expenses or save them for care you may need years down the road.

❓ Should you max out your HSA account?

👉 A health savings account (HSA) is an account specifically designed for paying health care costs. The tax benefits are so good that some financial planners advise maxing out your HSA before you contribute to an IRA.

❓ What happens if I contribute too much to my HSA?

👉 What happens if I contribute to my HSA more than the maximum annual limit that the IRS allows? HSA contributions in excess of the IRS annual contribution limits ($3,600 for individual coverage and $7,200 for family coverage for 2021) are not tax deductible and are generally subject to a 6% excise tax.

❓ Can I use my HSA card for gas?

👉 Fuel is eligible for transportation to and from medical care, up to the allowed mileage rate. Fuel, gasoline for medical care reimbursement is eligible with a flexible spending account (FSA), health savings account (HSA) or a health reimbursement arrangement (HRA).

❓ Can I buy food with my HSA card?

👉 No, you can't use your Flexible Spending Account (FSA) or Health Savings Account (HSA) for straight food purchases like meat, produce and dairy. But you can use them for some nutrition-related products and services. To review, tax-advantaged accounts have regulatory restrictions on eligible products and services.

❓ What happens if I don't use my HSA money?

👉 With an HSA, there's no “use it or lose it” provision. This is one of the primary differences between an HSA and an FSA. If you put money in your HSA and then don't withdraw it, it will remain in the account and be available to you in future years.

❓ Can I use my HSA for gym membership?

👉 Can I use my HSA for a gym membership? Typically no. Unless you have a letter from your doctor stating that the membership is necessary to treat an injury or underlying health condition, such as obesity, a gym membership isn't a qualifying medical expense.

❓ How much money should I keep in my HSA?

👉 As long as you maintain the minimum balance of $2,000 in your cash account, there is no minimum requirement for how much you allocate for investment. What are my investment options? There are over 20 different mutual fund options provided by our HSA custodian, Healthcare Bank.


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