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Depending on the plan and the state
of residence,
plans may vary.
Advise Notice:
We do not provide legal advice on this site. The
general information presented on various legal aspects of
plans herein are not intended to be relied upon as legal
advice. Individuals should always seek the advice of a
qualified legal professional.
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Watch Health Savings Accounts Video
View Health
Savings Accounts Voice
Presentation
What are the benefits
of an Health Savings Accounts?
High
Deductible Health Plan:
- Costs less than more
traditional co-pay plans
- Provides quality health
insurance
Health Savings Accounts
Savings:
- Used to meet your
deductible
- Tax deductible off
of gross income
- Grow tax deferred
- NEVER taxed when
used for qualified medical expenses
- Roll over year
after year -- no "use it or lose it"
- Portable, also goes
with you
Health Savings Accounts Savings Can Also Be Use For:
- Health premiums
when you're between jobs
- Qualified long-term
care premiums
- Health premiums
after age 65 (but NOT Medicare supplements)
- Living expenses --
after age 65 -- pay ordinary income taxes
2007
Health Savings Accounts Law Changes
Recent
changes in HSA law enacted as part of the Tax Relief &
Health Care Act of 2006 provide new opportunities for
individuals and families to save for current and future
health care:
- HSA holders can choose
to save up to $2,850 for an individual and $5,650 for a
family in 2007 (customers 55 and older get to save an
extra $800 which means $3,650 for an individual and
$6,450 for a family) – and these contributions are 100%
tax deductible from gross income.
- The new law allows a
onetime transfer from an IRA (individual retirement
account) or FSA (flexible spending account) to an HSA.
The onetime transfer from an IRA cannot exceed the
annual contribution limit. Unlike with an IRA or 401K,
savings withdrawn from an HSA are not taxable as long as
they are spent on qualified medical expenses.
- Also, for individuals
and families who open their HSA in a month other than
January, the new law removes barriers to contributing
the maximum amount for the year.
For more detailed information on changes
in HSA law, visit the U.S. Department of Treasury website at
www.ustreas.gov
or talk with your tax advisor.
Note: This
is presented as general information. Precise Health Savings Account tax effects depend on federal
law. We recommend that you see your tax advisor for specific tax advice. This
information was supplied by HSACenter.com
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