2022 年的增幅为：
自费：从 3,600 美元增加到 3,650 美元（比 2021 年增加 50 美元）。
家庭：从 7,200 美元增加到 7,300 美元（比 2021 年增加 100 美元）。
根据人力资源管理协会 (SHRM) 的说法，政府根据截至 3 月 31 日的 12 个月期间所有城市消费者的消费者价格指数做出决定。
对最大自付费用金额进行了类似的调整：
自费：从 7,000 美元增加到 7,050 美元（比 2021 年增加 50 美元）。
家庭：从 14,000 美元增加到 14,100 美元（比 2021 年增加 100 美元）。
55 岁及以上的追补供款金额不会自动调整，仍为 1,000 美元。
最低免赔额保持不变：
仅自费：1,400 美元。
家庭：2,800 美元。
See IRS Rev. Proc. 2021-25 了解更多信息。
2022 年最佳 HSA 账户
2022 hsa eligible expenses
A health savings account or HSA offers a 2022 年最佳 HSA 账户 tax-advantaged way to save for healthcare expenses. You might have an HSA if you’re enrolled in a high 2022 年最佳 HSA 账户 deductible health plan (HDHP). These accounts can’t be used to pay for every expense, however. The IRS maintains a list of HSA eligible expenses that you can use as a guide when planning your healthcare savings strategy. For help planning how to use your HSA or any other financial questions, consider working with a financial advisor.
Don't miss out on news that could impact your finances. Get news and tips to make smarter financial decisions with SmartAsset's semi-weekly email. It's 100% free and you can unsubscribe at any time. Sign up today.
What Is a Health Savings Account?
2022 hsa eligible expenses
A health savings account is a tax-advantaged plan that’s designed for healthcare and medical expenses. These accounts are associated with high deductible health plans, which can be offered through employers. You may also choose to purchase a high deductible health plan if you’re self-employed.
When you open 2022 年最佳 HSA 账户 an HSA , you’ll receive a debit card that’s linked to your account. You can use this card to pay for healthcare expenses. HSAs have annual contribution limits. The amount you can contribute is determined by whether you have individual or family coverage. For 2022, the HSA contribution limits are as follows:$3,650 for individual coverage
$7,300 for family coverage
The IRS adjusts HSA contribution limits regularly to account for inflation. If 2022 年最佳 HSA 账户 you have an HSA at work, both you and your employer can make contributions up to the annual limit. The money in your HSA can earn interest, 2022 年最佳 HSA 账户 depending on how you choose to invest. Mutual funds 2022 年最佳 HSA 账户 and exchange-traded funds (ETFs) are two investment options you 2022 年最佳 HSA 账户 might have.
So why would someone save in an HSA? The simple answer is tax benefits. A health savings account offers triple the tax benefits, in that:Contributions are tax-deductible
Savings grows tax-deferred
Withdrawals for HSA eligible expenses are tax-free
The money you save in an HSA 2022 年最佳 HSA 账户 each year rolls over until you need it. That 2022 年最佳 HSA 账户 means unlike a Flexible Spending Account (FSA), an HSA is not use it or lose it.
If you take money out of an HSA before age 65 for any reason other than healthcare, a 20% tax 2022 年最佳 HSA 账户 2022 年最佳 HSA 账户 penalty applies. You’ll also owe income tax on the distribution. Once you reach age 65, you can withdraw money from a health savings account for any reason, regardless of whether you use the funds for healthcare. You’ll just have to pay ordinary income tax on those distributions.
What Are HSA Eligible Expenses?
HSA eligible expenses are ones the IRS has deemed as qualified. That means you can use money in your HSA to pay for those expenses without it being 2022 年最佳 HSA 账户 considered a taxable distribution. Expenses related to medical care, dental care and vision care fall under this umbrella.
Many of the expenses that are considered HSA-eligible are ones that your insurance might not cover. The money in your HSA can be used to pay for expenses for yourself if you have individual coverage 2022 年最佳 HSA 账户 or your spouse and any dependents you have if 2022 年最佳 HSA 账户 you’re enrolled in a family plan.
Is every expense HSA-eligible? The answer is no, there are some things you can’t pay for using money in a health saving account. Overall, however, the list of HSA eligible expenses is fairly extensive.
HSA Eligible Expenses for 2022
2022 hsa eligible expenses
It’s important to check with your healthcare plan administrator to find out exactly what’s covered if you have an HSA . That can help you avoid unexpected medical bills later. Here are some of the most commonly covered expenses under the Internal 2022 年最佳 HSA 账户 Revenue Code.Abortion
30岁在美国如何投资理财
如果你居住在这16个州（Alaska, California, Delaware, Florida, Hawaii, Kentucky, Maine, Nevada, New Hampshire, New Jersey, North Carolina, South Dakota, Tennessee, Texas, Washington, Wyoming），先开Coverdell，放满$2000。如果还有意存放，再存放进529。
如果你没有居住在那16个州，那么恭喜你，你的州对529的存放额度有省税福利！先开529，至少把tax deduction/tax credit好处都拿到。然后再开Coverdell，放满$2000，毕竟Coverdell的好处是比529的用途广，不仅可以用在大学，还可以用在小学初中高中。
1. 长期失能险 LT Disability Insurance
20岁那期，菌菌讲了Term insurance和LT Disability insurance，前者最好人手一份，而后者建议高收入人群人手一份。但到了30岁，你的赚钱能力已经提高很多了，现在是时候把LT disability insurance安排上了。
2. 长期护理险 Long Term Care Insurance
- Alaska
- California （预计2023年）
- Colorado
- Hawaii
- Illinois
- Michigan
- Missouri
- Minnesota
- North Carolina
- New York
- Oregon
- Utah
如果你生活在以上这些州，你要认真的考虑：交 长期护理 税 合算，还是自己买保险合算。
以上这12个州想要效仿并颁发华盛顿州的长期护理税 Long Term Care Tax，所有没有长期护理险的人，都要交这个税。关于这个菌菌已经在一月专门做了一期内容，帮助大家抉择哪个更合算，这里就不赘述了。
2022 年 HSA 调整
每年，美国国税局都会宣布与高免赔额健康计划相关的健康储蓄账户 (HSA) 的变化。 HSA 的目的是鼓励美国人购买最好的医疗保健皇冠hg118，在选择提供者时考虑成本，并有选择地使用资金。根据 白宫管理和预算办公室2020 年，与 HSA 相关的税收减免使联邦所得税收入减少了 85 亿美元。
2022 年的增幅为：
自费：从 3,600 美元增加到 3,650 美元（比 2021 年增加 50 美元）。
家庭：从 7,200 美元增加到 7,300 美元（比 2021 年增加 100 美元）。
根据人力资源管理协会 (SHRM) 的说法，政府根据截至 3 月 31 日的 12 个月期间所有城市消费者的消费者价格指数做出决定。
对最大自付费用金额进行了类似的调整：
自费：从 7,000 美元增加到 7,050 美元（比 2021 年增加 50 美元）。
家庭：从 14,000 美元增加到 14,100 美元（比 2021 年增加 100 美元）。
55 岁及以上的追补供款金额不会自动调整，仍为 1,000 2022 年最佳 HSA 账户 美元。
最低免赔额保持不变：
仅自费：1,400 美元。
家庭：2,800 美元。
See IRS Rev. Proc. 2021-25 了解更多信息。
2022年HSA的调整
每年, 国税局公布对健康储蓄账户的改变, 哪些与高免赔额健康计划有关. 经营的目的是鼓励美国人购买最好的医疗保健冰球突破试玩网站, 选择供应商时要考虑成本, 并且有选择地使用这些资金. 根据 白宫管理和预算办公室在美国，与经营相关的税收减免使联邦所得税减少了8美元.2020年达到50亿.
2022年的增长是:
仅限个人使用:从3600美元增加到3650美元(从2021年增加50美元).
家庭:从7200美元增加到7300美元(2022 年最佳 HSA 账户 从2021年增加了100美元).
根据人力资源管理协会(SHRM), 政府是根据截至3月31日的12个月的所有城市消费者消费价格指数(cpi)做出这一决定的.
对最大自付金额作了类似调整:
仅限个人使用:从7000美元增加到7050美元(从2021年增加50美元).
家庭:从14000美元增加到14100美元(从2021年增加100美元).
55岁及以上的补缴款额不会自动调整，仍为1 000美元.
最低免赔额保持不变:
Self-only: 1400美元.
家庭:2800美元.
看到 国税局牧师. Proc. 2021-25 额外的信息.