HSAs Feature Cost Savings Opportunities For Businesses, 员工
健康储蓄账户(HSAs)已经成为 extremely helpful for those looking to secure affordable healthcare for themselves 以及他们的雇员. That being said, the full potential of this particular tool remains unknown to many – despite the wealth of information available online from health insurance professionals the media and others. 本文将 outline a few of the valuable benefits associated with this cost-saving tool to determine whether it’s the right option for your workforce.
HSA的概念来源于 effort to put the actual consumer of health care – the individual employee – in the position to decide which services and products to purchase based on 竞争力量，如价格和质量. 这种方法背后的理论是 simple: If individual consumers first spend their own money to purchase health care products and services, they will be more likely to make better, more 明智的决定. As a result, these decisions will ultimately result in higher quality and lower cost products and services. 简而言之，就是这样 concept is generically referred to as consumer-driven health care.
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HSAs是如何运作的?
消费者驱动的医疗保健 accomplishes cost savings by establishing individual HSAs, similar to the way 401(k)计划彻底改变了退休储蓄. 雇主或雇员可以做出 contributions to HSAs and any unused funds are permitted to be carried over to future years, allowing HSA holders to utilize savings from their healthy years to cover 医疗费用 incurred in subsequent less healthy years. Contributions are tax deductible and earnings are tax deferred (tax free if distributions are used to pay for 医疗费用).
如何为HSAs提供资金?
HSAs的资金来源于高收益 deductible health insurance 计划, also known as catastrophic care 计划, which can be purchased at a lower premium than traditional low deductible 计划. 的 differential in premiums is meant to be deposited into the HSA, which is then used to reimburse the owner for out-of-pocket health care expenses (if any) 由于高免赔额保险. HSA的概念取决于 significant assumption that the differential in premium between high deductible and traditional insurance 计划 is large enough to make significant contributions to the HSA affordable for the employer, and if it’s not affordable, that employees will see an advantage in (and be able to afford) funding a portion of the deductible themselves.
How Do Individual 医疗保健 Costs Impact HSA Effectiveness?
另一个使问题复杂化的因素 decision of whether to adopt an HSA plan is the varying health circumstances 存在于任何劳动力中. Few individuals or families are similarly situated 从医疗保健的角度来看. 因此，转向HSAs的决定将会 have varying financial impacts on the workforce. 昂贵的保养药物 without generic alternatives and age-related health conditions are just some examples of circumstances causing certain families or individuals to spend more 关于医疗保健. Heavy consumers of health care will not find much appealing about any plan utilizing high deductible insurance because it means they may have to spend more of their own money to pay for health care.
还有什么其他的HSA考虑事项?
这是最新的健康趋势之一 benefits planning is to offer several health plan alternatives to allow each employee the freedom to choose among available 计划. 这个选项的特点是 保险范围和保费水平. HSA计划在这方面可能会很有效 场景作为成本最低的替代方案. 这很可能是首选计划 for your youngest and healthiest (and likely single) employees. 此外, because HSAs involve the creation of accounts similar to 401(k) accounts, another issue that must be addressed when considering the adoption of an HSA plan is the selection of a custodian for individual plan accounts and the resulting quality of custodial and investment service alternatives.
除了HSAs，其他类型的 计划 that should be considered in any comprehensive search for the best solution are cafeteria 计划 with flexible spending accounts and health reimbursement arrangements, so-called Health Reimbursement Arrangement (HRA) 计划. In certain 情况s, the best solution may be a combination of these 计划. Although these 计划 are not mutually exclusive, there are restrictions on the benefits that can be packaged together when these 计划 are combined. A plan advisor can help you determine the right approach for your specific 情况.
我该如何开始?
sas可能是一个有价值的部分 solution to controlling your health care benefits costs. 不幸的是, devil is in the details and the advantages and disadvantages of these 计划 are 对雇主来说并不总是显而易见的. 在考虑是否实施这些时 types of employee benefits, we believe employers are best served when they take a 团队 approach that involves both their health insurance professionals as well 作为专业的福利计划顾问.
作为注册会计师，福利服务 雷亚的专家 & 比较靠谱的赌博软件 are uniquely qualified to evaluate the financial impact of competing alternatives on your business and your employees. 直接打330和我联系.308.6827 or 电子邮件 意图 & 比较靠谱的赌博软件 并要求与任何人交谈 团队成员. We are passionate about helping you confront escalating 医疗费用.
By 保罗·麦克尤恩，注册会计师，MTax, AIFA (新 费城办公室)