This morning at work we had a presentation on health care plan options. With rate increases, our company is making us switch plans or pay out-of-pocket for the deductible on the existing plans. One of the options regarding the high-deductible plan combined with a HSA (Health Savings Account ).
If you have not heard of health savings account, you will soon, as they are becoming increasingly popularni.Koncept HSA plan twice: high-deductible health insurance plan in conjunction with special tax-deductible savings account under as HSA, or health savings account. First, high-deductible insurance means that the first $ 1000 - $ 3000 (depending on the plan) of any medical services, often with the exception of annual physicals and other preventive care (covered with a small co-payment) is paid in full by by pojedinca.Osiguravatelj not start paying until the deductible is met, after which the insured individual is not obligated to pay anything.
But where the employee should get the $ 1000 -? $ 3,000 to meet the payments deducted
Enter hsa.IRS a set of special accounts such as that all contributions are fully tax-exempt (such as "top-line" deduction, itemizing is not necessary), and the money in the account can be used to finance any health expenses, including eyeglasses, vision, dental, acupuncture and other services typically not covered by primary health services. Because of the high-deductible health plans offer significant savings compared with traditional plans, your employer will probably use part of the difference to fund your HSA, essentially putting money in your pocket!
Back to my company presentation on our health insurance options resulted in an interesting rasprava.Tvrtka will be paying a premium on high-deductible health plan and contribute $ 500 a year for my health savings account. I am young, healthy, and rarely see a doctor, so it's important to be $ 500 in your pocket for use on future medical costs. Something especially appealing about the HSA plan that I could use my health savings account to buy glasses online! This is a big step away from the paradigm insurers to pay ridiculous prices of the eye doctor for glasses. Since my employer has agreed to contribute $ 500/year on my HSA, for the first time, my glasses cost me nothing out of pocket and the cost of glasses will go in my refuse! But you will still have an incentive to go with the most cost-effective way (and thus using less of my accounts), so I'll buy my glasses on-line with the HSA debit card.
Back to my company presentation on our health insurance options resulted in an interesting rasprava.Tvrtka will be paying a premium on high-deductible health plan and contribute $ 500 a year for my health savings account. I am young, healthy, and rarely see a doctor, so it's important to be $ 500 in your pocket for use on future medical costs. Something especially appealing about the HSA plan that I could use my health savings account to buy glasses online! This is a big step away from the paradigm insurers to pay ridiculous prices of the eye doctor for glasses. Since my employer has agreed to contribute $ 500/year on my HSA, for the first time, my glasses cost me nothing out of pocket and the cost of glasses will go in my refuse! But you will still have an incentive to go with the most cost-effective way (and thus using less of my accounts), so I'll buy my glasses on-line with the HSA debit card.
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