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\u8907\u5229\u512a\u52e2\uff1a\u76f8\u8f03\u65bc\u6bcf\u5e74\u5c07\u8cc7\u91d1\u82b1\u5149\uff0c\u8b93 HSA \u5728\u5e02\u5834\u4e2d\u6efe\u52d5 20 \u6216 30 \u5e74\uff0c\u5176\u6f5b\u5728\u589e\u9577\u53ef\u986f\u8457\u7e2e\u5c0f\u9000\u4f11\u5f8c\u7684\u91ab\u7642\u8cc7\u91d1\u7f3a\u53e3\u3002 \u4e09\u3001 65 \u6b72\u5f8c\u7684\u9748\u6d3b\u6027\uff1a\u5f9e\u91ab\u7642\u5c08\u6236\u8f49\u70ba\u6536\u5165\u4f86\u6e90 \u7576\u5e74\u6eff 65 \u6b72\u6642\uff0cHSA \u7684\u9650\u5236\u5c07\u5927\u5e45\u653e\u5bec\uff0c\u4f7f\u5176\u529f\u80fd\u8da8\u5411\u65bc\u300c\u5177\u5099\u91ab\u7642\u52a0\u4e58\u6548\u679c\u7684\u50b3\u7d71 IRA\u300d\uff1a \u91ab\u7642\u652f\u51fa\u4f9d\u7136\u514d\u7a05\uff1a\u652f\u4ed8\u7b26\u5408\u689d\u4ef6\u7684\u91ab\u7642\u8cbb\u7528\uff08\u751a\u81f3\u5305\u62ec\u67d0\u4e9b Medicare \u4fdd\u8cbb\uff09\u4ecd\u5b8c\u5168\u514d\u7a05\u3002\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" 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\u8001\u4e2d\u5730\u65b9\u65b0\u805e\u662f\u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u65b0\u805e\u96c6\u5718\uff0c\u591a\u5143\u5316\u5e73\u53f0\u6709\u65b0\u805e\u7db2\u3001\u5f71\u97f3\u7db2\u3001AM1450\u5ee3\u64ad\u96fb\u53f0\u53ca\u514d\u8cbb\u5168\u5f69\u5831\u7d19\u3002\u624b\u6a5f\u63d0\u4f9b\u6700\u65b0\u6700\u5feb\u793e\u5340\u65b0\u805e\uff0c\u670d\u52d960\u842c\u83ef\u88d4\u8b80\u8005\u3002\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"\u91ab\u7642\u8207\u8ca1\u5bcc \u2013 \u89e3\u5bc6 HSA \u7684\u4e09\u91cd\u7a05\u6536\u9b54\u529b - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta property=\"og:description\" content=\"\u7063\u5340\u91ab\u7642\u8207\u8ca1\u5bcc\u7684\u7d42\u6975\u7de9\u885d\u5340\uff1a\u89e3\u5bc6 HSA \u7684\u4e09\u91cd\u7a05\u6536\u9b54\u529b\u3002 \u5065\u5eb7\u5132\u84c4\u5e33\u6236\uff08HSA\uff09\u5e38\u88ab\u8aa4\u89e3\u70ba\u50c5\u662f\u7528\u4f86\u652f\u4ed8\u7576\u524d\u91ab\u85e5\u8cbb\u7684\u5c0f\u984d\u5132\u84c4\u5de5\u5177\uff0c\u4f46\u5728\u7269\u50f9\u8207\u91ab\u7642\u6210\u672c\u6975\u9ad8\u7684\u5317\u52a0\u5dde\u7063\u5340\uff0c\u5b83\u5176\u5be6\u662f\u8cc7\u6df1\u7406\u8ca1\u4eba\u58eb\u773c\u4e2d\u7684\u300c\u96b1\u5f62\u9000\u4f11\u91d1\u300d\u3002\u900f\u904e\u5176\u7368\u7279\u7684\u7a05\u52d9\u512a\u52e2\u8207\u6295\u8cc7\u5c6c\u6027\uff0cHSA \u5728\u61c9\u5c0d\u665a\u5e74\u9ad8\u6602\u958b\u652f\u6642\uff0c\u5c55\u73fe\u51fa\u8d85\u8d8a 401(k) \u8207 IRA \u7684\u5f37\u5927\u8ca1\u52d9\u56de\u5831\u3002 \u4e00\u3001 \u4e09\u91cd\u7a05\u52d9\u512a\u60e0\uff1a\u6700\u5f37\u6548\u7684\u7406\u8ca1\u5229\u5668 HSA \u662f\u5168\u7f8e\u552f\u4e00\u5177\u5099\u300c\u4e09\u91cd\u514d\u7a05\u300d\u512a\u9ede\u7684\u5e33\u6236\uff0c\u9019\u4f7f\u5176\u5728\u9577\u671f\u8ca1\u5bcc\u7d2f\u7a4d\u4e0a\u6975\u5177\u6548\u7387\uff1a \u63d0\u64a5\u514d\u7a05\uff1a\u6295\u5165 HSA \u7684\u8cc7\u91d1\u53ef\u5b8c\u5168\u62b5\u6263\u806f\u90a6\u6240\u5f97\u7a05\uff0c\u82e5\u900f\u904e\u85aa\u8cc7\u6263\u9664\uff08Payroll Deduction\uff09\uff0c\u9084\u80fd\u9032\u4e00\u6b65\u7bc0\u7701 7.65% \u7684 FICA \u85aa\u8cc7\u7a05\u3002 \u589e\u503c\u514d\u7a05\uff1a\u5e33\u6236\u5167\u7684\u6295\u8cc7\u6536\u76ca\u3001\u5229\u606f\u8207\u80a1\u606f\u7686\u4e0d\u9700\u7e73\u7a05\uff0c\u80fd\u767c\u63ee\u6700\u5927\u7684\u8907\u5229\u6548\u61c9\u3002 \u9818\u53d6\u514d\u7a05\uff1a\u53ea\u8981\u8cc7\u91d1\u662f\u7528\u65bc\u7b26\u5408\u8cc7\u683c\u7684\u91ab\u7642\u652f\u51fa\uff0c\u9818\u53d6\u6642\u5b8c\u5168\u514d\u7a05\u3002 \u4e8c\u3001 \u7063\u5340\u91ab\u7642\u73fe\u72c0\uff1a\u8f49\u5411\u300c\u6295\u8cc7\u6a21\u5f0f\u300d\u7684\u5fc5\u8981\u6027 \u5728\u7063\u5340\uff0c\u91ab\u7642\u8cbb\u7528\u901a\u81a8\u5f80\u5f80\u9ad8\u65bc\u4e00\u822c\u901a\u81a8\u3002\u4e00\u5c0d 65 \u6b72\u7684\u592b\u5a66\u9000\u4f11\u5f8c\uff0c\u9810\u671f\u5e73\u5747\u9700\u82b1\u8cbb\u7d04 30 \u842c\u7f8e\u5143\u65bc\u81ea\u4ed8\u91ab\u7642\u958b\u652f\u3002 \u5ef6\u9072\u4f7f\u7528\u7684\u7b56\u7565\uff1a\u7406\u8ca1\u5c08\u5bb6\u5efa\u8b70\uff0c\u82e5\u7d93\u6fdf\u80fd\u529b\u8a31\u53ef\uff0c\u61c9\u5c07 HSA \u8996\u70ba\u300c\u9577\u671f\u6295\u8cc7\u5e33\u6236\u300d\u800c\u975e\u300c\u652f\u51fa\u5e33\u6236\u300d\u3002 \u6295\u8cc7\u6efe\u52d5\uff1a\u5927\u591a\u6578 HSA \u5141\u8a31\u9918\u984d\u8d85\u904e\u4e00\u5b9a\u9580\u6abb\uff08\u901a\u5e38\u70ba $1,000\uff09\u5f8c\u9032\u884c\u80a1\u7968\u6216\u57fa\u91d1\u6295\u8cc7\u3002 \u8907\u5229\u512a\u52e2\uff1a\u76f8\u8f03\u65bc\u6bcf\u5e74\u5c07\u8cc7\u91d1\u82b1\u5149\uff0c\u8b93 HSA \u5728\u5e02\u5834\u4e2d\u6efe\u52d5 20 \u6216 30 \u5e74\uff0c\u5176\u6f5b\u5728\u589e\u9577\u53ef\u986f\u8457\u7e2e\u5c0f\u9000\u4f11\u5f8c\u7684\u91ab\u7642\u8cc7\u91d1\u7f3a\u53e3\u3002 \u4e09\u3001 65 \u6b72\u5f8c\u7684\u9748\u6d3b\u6027\uff1a\u5f9e\u91ab\u7642\u5c08\u6236\u8f49\u70ba\u6536\u5165\u4f86\u6e90 \u7576\u5e74\u6eff 65 \u6b72\u6642\uff0cHSA \u7684\u9650\u5236\u5c07\u5927\u5e45\u653e\u5bec\uff0c\u4f7f\u5176\u529f\u80fd\u8da8\u5411\u65bc\u300c\u5177\u5099\u91ab\u7642\u52a0\u4e58\u6548\u679c\u7684\u50b3\u7d71 IRA\u300d\uff1a \u91ab\u7642\u652f\u51fa\u4f9d\u7136\u514d\u7a05\uff1a\u652f\u4ed8\u7b26\u5408\u689d\u4ef6\u7684\u91ab\u7642\u8cbb\u7528\uff08\u751a\u81f3\u5305\u62ec\u67d0\u4e9b Medicare \u4fdd\u8cbb\uff09\u4ecd\u5b8c\u5168\u514d\u7a05\u3002\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/newsforchinese.com\/v3\/2026\/06\/06\/%e9%86%ab%e7%99%82%e8%88%87%e8%b2%a1%e5%af%8c-%e8%a7%a3%e5%af%86-hsa-%e7%9a%84%e4%b8%89%e9%87%8d%e7%a8%85%e6%94%b6%e9%ad%94%e5%8a%9b\/\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/06\/\u89e3\u5bc6-HSA-\u7684\u4e09\u91cd\u7a05\u6536\u9b54\u529b.jpg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/newsforchinese.com\/v3\/wp-content\/uploads\/2026\/06\/\u89e3\u5bc6-HSA-\u7684\u4e09\u91cd\u7a05\u6536\u9b54\u529b.jpg\" \/>\n\t\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t\t<meta property=\"og:image:height\" content=\"367\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2026-06-06T13:03:00+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-06-02T05:05:06+00:00\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:title\" content=\"\u91ab\u7642\u8207\u8ca1\u5bcc \u2013 \u89e3\u5bc6 HSA \u7684\u4e09\u91cd\u7a05\u6536\u9b54\u529b - News for Chinese \uff0d \u820a\u91d1\u5c71\u7063\u5340No.1\u514d\u8cbb\u83ef\u4eba\u793e\u5340\u5831\u7d19\" \/>\n\t\t<meta name=\"twitter:description\" content=\"\u7063\u5340\u91ab\u7642\u8207\u8ca1\u5bcc\u7684\u7d42\u6975\u7de9\u885d\u5340\uff1a\u89e3\u5bc6 HSA \u7684\u4e09\u91cd\u7a05\u6536\u9b54\u529b\u3002 \u5065\u5eb7\u5132\u84c4\u5e33\u6236\uff08HSA\uff09\u5e38\u88ab\u8aa4\u89e3\u70ba\u50c5\u662f\u7528\u4f86\u652f\u4ed8\u7576\u524d\u91ab\u85e5\u8cbb\u7684\u5c0f\u984d\u5132\u84c4\u5de5\u5177\uff0c\u4f46\u5728\u7269\u50f9\u8207\u91ab\u7642\u6210\u672c\u6975\u9ad8\u7684\u5317\u52a0\u5dde\u7063\u5340\uff0c\u5b83\u5176\u5be6\u662f\u8cc7\u6df1\u7406\u8ca1\u4eba\u58eb\u773c\u4e2d\u7684\u300c\u96b1\u5f62\u9000\u4f11\u91d1\u300d\u3002\u900f\u904e\u5176\u7368\u7279\u7684\u7a05\u52d9\u512a\u52e2\u8207\u6295\u8cc7\u5c6c\u6027\uff0cHSA 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