{"id":16969,"date":"2011-05-25T10:27:55","date_gmt":"2011-05-25T17:27:55","guid":{"rendered":"http:\/\/newsforchinese.com\/laozhong\/?p=16969"},"modified":"2012-10-23T10:56:17","modified_gmt":"2012-10-23T17:56:17","slug":"hsa","status":"publish","type":"post","link":"https:\/\/newsforchinese.com\/v3\/2011\/05\/25\/hsa\/","title":{"rendered":"\u4ec0\u9ebc\u662f\u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA)?"},"content":{"rendered":"

\"\"<\/p>\n

\u57f7\u7167\u7406\u8ca1\u5c08\u5bb6 \/ \u9673\u517c\u6176<\/p>\n

\u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA) Health Savings Account\u5e6b\u52a9\u60a8\u7bc0\u7701\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\u3002\u4ed6\u5011\u4e5f\u7232\u591a\u6578\u96c7\u4e3b\u5728\u63d0\u4f9b\u54e1\u5de5\u91ab\u7642\u4fdd\u969c\u65b9\u9762\u7701\u9322\u3002\u901a\u904e\u4f7f\u60a8\u6210\u7232\u91ab\u7642\u670d\u52d9\u6c7a\u7b56\u904e\u7a0b\u4e2d\u7684\u4e00\u5206\u5b50\uff0cHSA\u65e8\u5728\u5e6b\u52a9\u60a8\u7ba1\u7406\u91ab\u7642\u8cbb\u7528\u548c\u6e1b\u5c11\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\u6301\u7e8c\u4e0a\u63da\u3002\u540c\u6a23\u91cd\u8981\u7684\uff0c\u4fdd\u5b58\u7684\u9322\u4ecd\u7136\u5c6c\u65bc\u60a8\u7684\u9000\u4f11\u5e33\u6236\uff0c\u5373\u4f7f\u96e2\u958b\u73fe\u5728\u7684\u96c7\u4e3b\uff0c\u60a8\u4ecd\u4fdd\u6709\u9019\u7b46\u9322\u3002\u7e3d\u4e4b\uff0c\u5982\u679cHSA\u7684\u9322\u6c92\u6709\u5168\u90e8\u7528\u4f86\u652f\u4ed8\u91ab\u7642\u8cbb\u7528\uff0c\u90a3\u9918\u4e0b\u7684\u9322\u53ef\u4ee5\u4f5c\u7232\u514d\u7a05\u5132\u84c4\u7d2f\u7a4d\u4ee5\u5099\u60a8\u7684\u9000\u4f11\u751f\u6d3b\u3002\u6700\u5f8c\u4e00\u500b\u597d\u8655\uff0c\u8207\u4ee5\u5f80\u653f\u5e9c\u8d0a\u52a9\u8a08\u5283\u6240\u5141\u8a31\u7684\u76f8\u6bd4\uff0cHSAs\u53ef\u4ee5\u7232\u60a8\u63d0\u4f9b\u66f4\u591a\u7684\u76ca\u8655\u3002\u5065\u5eb7\u5132\u84c4\u5e33\u6236\u53ef\u4ee5\u5e6b\u52a9\u60a8\u5728\u7121\u6cd5\u907f\u514d\u7684\u8cbb\u7528\u4e0a\u7bc0\u7d04\uff0c\u7232\u60a8\u7684\u9000\u4f11\u751f\u6d3b\u5efa\u8a2d\u6295\u8cc7\u6027\u7684\u5132\u84c4\u3002<\/p>\n

<\/strong><\/p>\n

\u5b83\u7232\u60a8\u5e36\u4f86\u4ec0\u9ebd\uff1f<\/strong><\/p>\n

\u2022\u00a0 \u4e00\u7a2e\u7bc0\u7701\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\u7684\u65b9\u5f0f\u3002<\/em><\/strong>\u4e0d\u7ba1\u65e9\u665a\uff0c\u60a8\u7e3d\u6709\u4e00\u5929\u8981\u7232\u81ea\u5df1\u7684\u91ab\u7642\u4fdd\u5065\u82b1\u9322\u3002\u4f46\u662f\uff0cHSA\u53ef\u4ee5\u5e6b\u52a9\u60a8\u5c11\u82b1\u9322\u3002<\/p>\n

 <\/p>\n

\u2022 \u5c11\u7e73\u7a05<\/strong>\u3002HSA\u4e0d\u50c5\u8b93\u60a8\u652f\u4ed8\u7684\u91ab\u7642\u8cbb\u7528\u514d\u7a05\uff0c\u800c\u4e14\u60a8\u7684\u4f9b\u6b3e\u5e33\u6236\u6703\u8b93\u60a8\u4eab\u53d7\u4e00\u500b\u4f4e\u7a05\u7387-\u9019\u6a23\u60a8\u5c31\u53ef\u4ee5\u5728\u6574\u9ad4\u7684\u7e73\u7a05\u984d\u4e0a\u9054\u6210\u7bc0\u7701\uff0c\u800c\u4e0d\u53ea\u662f\u91ab\u7642\u8cbb\u7528\u7684\u7bc0\u7701\u3002<\/p>\n

 <\/p>\n

\u2022 <\/strong>\u4e00\u7a2e\u652f\u4ed8\u50b3\u7d71\u91ab\u7642\u4fdd\u96aa\u6c92\u6709\u8986\u84cb\u7684\u8cbb\u7528\u652f\u51fa\u7684\u65b9\u5f0f\u3002<\/strong>\u60a8\u53ef\u4ee5\u4f7f\u7528HSA\u514d\u7a05\u652f\u4ed8\u91dd\u7078\uff0c\u810a\u690e\u6309\u6469\uff0c\u751f\u80b2\u6cbb\u7642\uff0c\u7406\u7642\uff0c\u53ca\u773c\u775b\u8b77\u7406-\u4e0d\u4e00\u4e00\u7d30\u8209\u3002<\/p>\n

 <\/p>\n

\u2022 <\/strong>\u651c\u5e36\u4fbf\u5229\u3002<\/strong>\u7121\u8ad6\u60a8\u5982\u4f55\u8b8a\u63db\u5de5\u4f5c\uff0cHAS\u7e3d\u662f\u548c\u60a8\u4e00\u8d77\u3002\u60a8\u7e3d\u662f\u5c0d\u60a8\u5e33\u6236\u4e2d\u9322\u6709\u6b0a\u652f\u914d\u6bcf\u4e00\u5206\u6bcf\u4e00\u6beb\u3002<\/p>\n

 <\/p>\n

\u2022 <\/strong>\u6295\u8cc7\u6536\u5165\u4f86\u6e90\u3002<\/strong> <\/strong>HSA\u7684\u8a2d\u8a08\u4f7f\u60a8\u53ef\u4ee5\u6839\u64da\u9700\u8981\u96a8\u6642\u63d0\u6b3e\u3002\u4f46\u662f\uff0c\u60a8\u6c92\u6709\u63d0\u51fa\u7684\u9322\u6709\u589e\u9577\u548c\u7a4d\u7d2f\u5229\u606f\u7684\u6f5b\u529b\u3002<\/p>\n

 <\/p>\n

\u2022 \u6539\u9032\u7684\u9000\u4f11\u5e33\u6236\u3002<\/strong> HSAs\u529f\u80fd\u76f8\u4f3c\u65bc401\uff08k\uff09s\u6216IRAs\uff08\u500b\u4eba\u9000\u4f11\u5e33\u6236\uff09\uff0c\u4f46\u9084\u5b58\u5728\u4e00\u500b\u91cd\u8981\u7684\u5340\u5225\u3002\u7576\u60a8\u628a\u9322\u653e\u5728\u4e00\u500b\u5178\u578b\u7684\u9000\u4f11\u5e33\u6236\uff0c\u5b83\u53ea\u662f\u5446\u8457-\u5982\u679c\u60a8\u5728\u5230\u9054\u9000\u4f11\u5e74\u9f61\u4e4b\u524d\u63d0\u53d6\uff0c\u60a8\u6240\u9762\u81e8\u7684\u7d0d\u7a05\u7f70\u6b3e\u6703\u4f7f\u60a8\u640d\u5931\u591a\u9054\u4e09\u5206\u4e4b\u4e00\u7684\u91d1\u984d\u3002\u5728HSA\u72c0\u614b\u4e0b\uff0c\u7576\u60a8\u652f\u4ed8\u91ab\u7642\u8cbb\uff0c\u60a8\u6240\u63d0\u53d6\u7684\u652f\u4ed8\u6b3e\u514d\u7a05\u3002 HSAs\u7121\u6cd5\u53d6\u4ee3\u60a8\u76ee\u524d\u7684\u9000\u4f11\u5e33\u6236\uff0c\u4f46\u537b\u662f\u9000\u4f11\u5132\u84c4\u7684\u4e00\u500b\u91cd\u8981\u88dc\u5145\u3002<\/p>\n

 <\/p>\n

\u2022 \u60a8\u53e3\u888b\u88cf\u7684\u9322\u3002<\/em><\/strong>\u53c3\u52a0HSA\uff0c\u60a8\u5fc5\u9808\u52a0\u5165\u4e00\u500b\u9ad8\u81ea\u4ed8\u91ab\u7642\u4fdd\u96aa\u8a08\u5283\uff08 HDHP \uff09\u3002HDHP\u901a\u5e38\u5728\u6240\u6709\u5065\u5eb7\u8a08\u5283\u4e2d\u8cbb\u7528\u6700\u4f4e\u3002\u5982\u679c\u60a8\u76ee\u524d\u53c3\u52a0\u4e86HMO\u6216PPO\uff0c\u800c\u60a8\u8f49\u5230HDHP\u7684\u8a71\uff0c\u540c\u6a23\u7684\u8986\u84cb\u7bc4\u570d\u60a8\u53ef\u4ee5\u7bc0\u7701\u4e09\u5206\u4e4b\u4e00\u5230\u4e8c\u5206\u4e4b\u4e00\u7684\u6210\u672c\u3002\u53c3\u52a0\u5373\u514c\u73fe\u3002\uff08\u6709\u4e9bHMOs\u4e5f\u63d0\u4f9bHSA\u7684\u8a08\u5283\u3002 \uff09<\/p>\n

 <\/p>\n

HAS\u4e2d\u7684\u9322\u6839\u64da\u9700\u8981\u53ef\u4ee5\u96a8\u6642\u63d0\u53d6\u652f\u4ed8\u7b26\u5408\u689d\u4ef6\u7684\u91ab\u7642\u8cbb\u7528\uff1b\u9918\u984d\u7e7c\u7e8c\u5b58\u5132\u4ee5\u7528\u65bc\u672a\u4f86\u652f\u4ed8\uff0c\u6216\u6295\u8cc7\u65bc\u7d2f\u7a4d\u5132\u84c4\u4ee5\u7528\u65bc\u9000\u4f11\u5f8c\u91ab\u7642\u4fdd\u5065\u9700\u6c42\uff09<\/p>\n

HAS<\/strong>\u5982\u4f55\u8207\u60a8\u7684\u91ab\u7642\u4fdd\u96aa\u5354\u8abf\uff1f<\/strong><\/p>\n

\u4e0d\u80fd\u53d6\u4ee3\u6b63\u5e38\u7684\u6216\u5178\u578b\u7684\u91ab\u7642\u4fdd\u96aa\u3002\u5b83\u5011\u7684\u76ee\u7684\u662f\u4f5c\u7232\u9ad8\u81ea\u4ed8\u91ab\u7642\u4fdd\u96aa\u7684\u4e00\u500b\u88dc\u5145\u3002<\/p>\n

 <\/p>\n

\u7531\u65bcHSA\u662f\u8207\u9ad8\u81ea\u4ed8\u91ab\u7642\u4fdd\u96aa\u55ae\u6346\u5728\u4e00\u8d77\u7684\uff0c\u4f60\u5c07\u7528HAS\u514d\u7a05\u5e33\u6236\u652f\u4ed8\u60a8\u7684\u91ab\u7642\u8cbb\u7528\uff0c\u76f4\u5230\u82b1\u8cbb\u9054\u5230\u4e86\u81ea\u4ed8\u90e8\u5206\u7684\u9650\u984d\u3002\u4e00\u65e6\u81ea\u4ed8\u90e8\u5206\u9054\u5230\u9650\u984d\uff0c\u5728\u9918\u4e0b\u7684\u4e00\u5e74\u4e2d\u91ab\u7642\u4fdd\u96aa\u652f\u4ed8\u5927\u90e8\u5206\u7684\u91ab\u7642\u8cbb\u7528\u3002\u60a8\u53ef\u4ee5\u9078\u64c7\u81ea\u5df1\u7684\u91ab\u751f\u548c\u8b77\u7406\u6c34\u5e73\u3002HSA\u672c\u8eab\u662f\u5132\u84c4\u5de5\u5177-\u4e0d\u662f\u4fdd\u96aa\u55ae-\u6240\u4ee5\u5b83\u5011\u4e0d\u6703\u9650\u5b9a\u60a8\u5982\u4f55\u82b1\u8cbb\u6216\u9078\u64c7\u7531\u8ab0\u4f86\u63d0\u4f9b\u670d\u52d9\u3002<\/p>\n

 <\/p>\n

HSA 2008, 2007, 2006<\/strong>\u898f\u5b9a\u9650\u984d<\/strong> <\/strong><\/p>\n

<\/strong><\/p>\n\n\n\n
\n\n\n\n\n\n\n\n\n\n\n\n\n
 <\/td>\n2004<\/td>\n2005<\/td>\n2006<\/td>\n2007<\/td>\n2008<\/td>\n<\/tr>\n
\u500b\u4eba\u6700\u4f4e\u81ea\u4ed8\u984d\u5ea6<\/td>\n$1,000<\/td>\n$1,000<\/td>\n$1,050<\/td>\n$1,100<\/td>\n$1,100<\/td>\n<\/tr>\n
\u500b\u4eba\u6700\u9ad8\u5be6\u4ed8\u958b\u652f\u984d\u5ea6<\/td>\n$5,000<\/td>\n$5,100<\/td>\n$5,250<\/td>\n$5,500<\/td>\n$5,600<\/td>\n<\/tr>\n
\u500b\u4eba\u6700\u9ad8\u4f9b\u6b3e\u984d\u5ea6<\/td>\n$2,600<\/td>\n$2,650<\/td>\n$2,700<\/td>\n$2,850<\/td>\n$2,900<\/td>\n<\/tr>\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
\u5bb6\u5ead\u6700\u4f4e\u81ea\u4ed8\u984d\u5ea6<\/td>\n$2,000<\/td>\n$2,000<\/td>\n$2,100<\/td>\n$2,200<\/td>\n$2,200<\/td>\n<\/tr>\n
\u5bb6\u5ead\u6700\u9ad8\u5be6\u4ed8\u958b\u652f\u984d\u5ea6<\/td>\n$10,000<\/td>\n$10,200<\/td>\n$10,500<\/td>\n$11,000<\/td>\n$11,200<\/td>\n<\/tr>\n
\u5bb6\u5ead\u6700\u9ad8\u4f9b\u6b3e\u984d\u5ea6<\/td>\n$5,150<\/td>\n$5,250<\/td>\n$5,450<\/td>\n$5,650<\/td>\n$5,800<\/td>\n<\/tr>\n
 <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n <\/td>\n<\/tr>\n
\u8ffd\u52a0\u4f9b\u6b3e\u984d\u5ea6\uff0855\u6b72+\uff09<\/td>\n$500<\/td>\n$600<\/td>\n$700<\/td>\n$800<\/td>\n$900<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n

www.hsafinder.com <\/strong><\/p>\n

 <\/p>\n

<\/div>","protected":false},"excerpt":{"rendered":"

\u57f7\u7167\u7406\u8ca1\u5c08\u5bb6 \/ \u9673\u517c\u6176 \u5065\u5eb7\u5132\u84c4\u5e33\u6236(HSA) Health Savings Account\u5e6b\u52a9\u60a8\u7bc0\u7701\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\u3002\u4ed6\u5011\u4e5f\u7232\u591a\u6578\u96c7\u4e3b\u5728\u63d0\u4f9b\u54e1\u5de5\u91ab\u7642\u4fdd\u969c\u65b9\u9762\u7701\u9322\u3002\u901a\u904e\u4f7f\u60a8\u6210\u7232\u91ab\u7642\u670d\u52d9\u6c7a\u7b56\u904e\u7a0b\u4e2d\u7684\u4e00\u5206\u5b50\uff0cHSA\u65e8\u5728\u5e6b\u52a9\u60a8\u7ba1\u7406\u91ab\u7642\u8cbb\u7528\u548c\u6e1b\u5c11\u91ab\u7642\u4fdd\u5065\u8cbb\u7528\u6301\u7e8c\u4e0a\u63da\u3002\u540c\u6a23\u91cd\u8981\u7684\uff0c\u4fdd\u5b58\u7684\u9322\u4ecd\u7136\u5c6c\u65bc\u60a8\u7684\u9000\u4f11\u5e33\u6236\uff0c\u5373\u4f7f\u96e2\u958b\u73fe\u5728\u7684\u96c7\u4e3b\uff0c\u60a8\u4ecd\u4fdd\u6709\u9019\u7b46\u9322\u3002\u7e3d\u4e4b\uff0c\u5982\u679cHSA\u7684\u9322\u6c92\u6709\u5168\u90e8\u7528\u4f86\u652f\u4ed8\u91ab\u7642\u8cbb\u7528\uff0c\u90a3\u9918\u4e0b\u7684\u9322\u53ef\u4ee5\u4f5c\u7232\u514d\u7a05\u5132\u84c4\u7d2f\u7a4d\u4ee5\u5099\u60a8\u7684\u9000\u4f11\u751f\u6d3b\u3002\u6700\u5f8c\u4e00\u500b\u597d\u8655\uff0c\u8207\u4ee5\u5f80\u653f\u5e9c\u8d0a\u52a9\u8a08\u5283\u6240\u5141\u8a31\u7684\u76f8\u6bd4\uff0cHSAs\u53ef\u4ee5\u7232\u60a8\u63d0\u4f9b\u66f4\u591a\u7684\u76ca\u8655\u3002\u5065\u5eb7\u5132\u84c4\u5e33\u6236\u53ef\u4ee5\u5e6b\u52a9\u60a8\u5728\u7121\u6cd5\u907f\u514d\u7684\u8cbb\u7528\u4e0a\u7bc0\u7d04\uff0c\u7232\u60a8\u7684\u9000\u4f11\u751f\u6d3b\u5efa\u8a2d\u6295\u8cc7\u6027\u7684\u5132\u84c4\u3002<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"episode_type":"","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[18],"tags":[],"series":[],"class_list":["post-16969","post","type-post","status-publish","format-standard","hentry","category-money"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t