Smartphones Addiction Of The 21st Century

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Birthday Party Ideas Lazer Tag, Rock Climbing, Bowling And Arcade At A Family Fun Center

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Specialist Shoes or Boots Restore Your Quality of Life

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Get Yourself Best Shoes For An Outing

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Magical Outdoor Experiences of New Zealand

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From Sandals to Nike Shoes

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Info 101 Commentary 5 Stan Musial and Earl Weaver die

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Measuring skies from hill-top - Rock climbing at it adventurous best

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What is a High Deductible Health plan (HDHP)?

Pendaftaran dalam rencana kesehatan dikurangkan tinggi (HDHP) adalah kualifikasi yang diperlukan untuk siapa pun yang ingin membuka Rekening Tabungan Kesehatan. Bahkan HDHPs mendapat dorongan oleh Modernisasi Act Medicare yang memperkenalkan HSA. Rencana Kesehatan dikurangkan tinggi rencana asuransi kesehatan yang ambang dikurangkan tertentu. Batas ini harus melebihi sebelum tertanggung bisa mengklaim uang asuransi. Ini tidak mencakup biaya pengobatan dolar pertama. Dengan demikian, seorang individu harus membayar biaya awal yang disebutkan. Out-of-saku biaya sendiri

Dalam sejumlah biaya HDHPs vaksinasi dan perawatan kesehatan preventif dikecualikan dari dikurangkan yang berarti bahwa individu akan mendapat bayaran untuk mereka. HDHPs dapat diambil baik oleh orang (orang dan dipekerjakan) dan pengusaha. Pada tahun 2008, HDHPs yang ditawarkan oleh perusahaan asuransi di Amerika dengan deductible mulai dari minimal $ 1.100 untuk sendiri dan $ 2.200 untuk Diri Sendiri dan cakupan Keluarga. Jumlah maksimum out-of-saku batas HDHPs adalah $ 5.600 untuk diri mereka sendiri dan $ 11.200 untuk Diri dan Keluarga pendaftaran. Maskapai batas dikurangkan disebut batas IRS karena mereka ditetapkan. Dengan Internal Revenue Service (IRS) Di HDHPs hubungan antara deductible dan premi yang dibayarkan oleh tertanggung terbalik propotional yaitu tinggi dikurangkan, semakin rendah premi dan sebaliknya. Keuntungan yang dirasakan utama HDHPs adalah bahwa mereka akan a) biaya perawatan kesehatan yang lebih rendah dengan menyebabkan pasien menjadi lebih sadar biaya dan b) membuat asuransi lebih terjangkau untuk tidak diasuransikan. Logikanya adalah bahwa ketika pasien sepenuhnya tertutup (yaitu memiliki rencana kesehatan dengan deductible rendah), mereka cenderung ketika pergi untuk pengobatan. Sengaja kurang sadar kesehatan dan biaya juga kurang

Membuka Rekening Tabungan Kesehatan

Seorang individu dapat mendaftar untuk HSA dengan bank, serikat kredit, perusahaan asuransi dan perusahaan lain yang disetujui. Namun, tidak semua perusahaan asuransi menawarkan program asuransi kesehatan HSAqualified sehingga sangat penting untuk digunakan. Sebuah perusahaan asuransi yang menawarkan jenis rencana asuransi yang memenuhi syarat Majikan juga dapat mengatur rencana untuk karyawan. Namun, akun selalu di tangan individu. Pendaftaran secara online langsung di asuransi kesehatan HSA-kualifikasi tersedia di semua negara kecuali Hawaii, Massachusetts, Minnesota, New Jersey, New York, Rhode Island, Vermont dan Washington.

Kontribusi ke Rekening Tabungan Kesehatan

Kontribusi ke HSA dapat dibuat oleh orang yang memiliki akun dengan majikan atau dengan orang lain. Ketika majikan, kontribusi tersebut tidak termasuk dalam pendapatan karyawan. Jika dilakukan oleh karyawan, itu diperlakukan sebagai dibebaskan dari pajak federal. Untuk tahun 2008, jumlah maksimum yang dapat disumbangkan (dan dikurangi) ke HSA dari semua sumber:
$ 2.900 (cakupan diri saja)
$ 5,800 (cakupan keluarga)

Batasan ini ditetapkan oleh Kongres melalui undang-undang dan mereka diindeks setiap tahun untuk inflasi. Bagi orang-orang lebih dari 55, ada menangkap up ketentuan khusus yang memungkinkan mereka untuk deposit tambahan $ 800 untuk 2008 dan $ 900 untuk 2009 jumlah maksimum yang sebenarnya seorang individu juga dapat memberikan kontribusi tergantung pada jumlah bulan bahwa ia ditutupi oleh HDHP (basis pro-rata) pada hari pertama bulan. Misalnya, jika Anda memiliki cakupan HDHP keluarga dari Januari 1,2008 sampai dengan 30 Juni 2008, setelah berhenti cakupan HDHP, Anda diperbolehkan kontribusi HSA dari 6/12 dari $ 5.800 atau $ 2.900 untuk cakupan HDHP keluarga di 2008 Jika Anda dari Januari 1,2008 sampai dengan 30 Juni 2008, dan memiliki sendiri hanya cakupan HDHP dari 1 Juli 2008 sampai dengan 31 Desember 2008, itu memungkinkan kontribusi HSA dari 6/12 x 6/12 dari $ 5.800 ditambah $ 2.900 atau $ 4.350 untuk tahun 2008 sebagai orang membuka HDHP pada hari pertama dari bulan, maka ia dapat memberikan kontribusi HSA pada hari pertama itu sendiri. Jika dia / dia membuka rekening pada hari selain yang pertama, ia dapat memberikan kontribusi pada HSA dari bulan depan nanti. Kontribusi dapat dilakukan hingga akhir 15 April tahun berikutnya. Kontribusi terhadap batas kontribusi HSA harus dicabut atau dikenakan cukai oleh individu. Individu harus membayar pajak penghasilan atas jumlah yang termasuk beberapa.