医疗保健支出账户

健康储蓄帐户(HSA)概述

• Individual account you own that allows you and the university to contribute pre‑tax dollars to pay for qualified, 现在或以后的自付医疗费用.
• HSA的供款可以 随时改变 throughout the year (qualified life event is not required).
• Remaining dollars at the end of the year roll over and can be saved for the future.
• HSA dollars earn interest and can be invested in mutual funds once your balance is $2,000 or greater.
• Interest and investment earnings are tax-free as long as they remain in your HSA and/or are used for eligible health care expenses.
• You own the money in your HSA, it’s yours to keep if you leave the university or retire.

向HSA存钱

• The university helps fund your HSA through matching contributions.
• The university’s matching contribution is deposited into your account each pay period until the maximum amount has been deposited.

查看 医疗保健支出账户概览图表 有关选举金额.

花你的HSA钱

• 用你的HSA免税基金来支付 美国国税局合格的医疗保健费用 for you, your spouse and any dependents you claim on your federal tax return.
• You are responsible for ensuring tax-free withdrawals are spent on qualified health care expenses.
• Your contributions and withdrawals to and from your HSA must be declared on your federal tax return.

HSA participants receive a 健康Equity Visa check card. This card is linked to your HSA balance and works just like a conventional check card. 参与者还可以使用在线账单支付.

Overview of a 医疗保健灵活支出账户

• An FSA allows you to set aside pre-tax dollars to pay for 符合美国国税局规定的医疗保健费用 incurred by you or any other person you cover under you health care benefits or claimed as a dependent on your federal income tax return (even if you do not cover them on your medical benefits).
• FSA contributions can only be changed due to a qualified life event.
• All the money in the FSA must be exhausted each year. Any money remaining at the end of the calendar year cannot be carried over and it is forfeited — “use it or lose it.”

Contributing to a 医疗保健灵活支出账户

• 你可以贡献 最高3050美元 每年向FSA申请
• There is no matching contribution made by the university

查看 医疗保健支出账户概览图表

Spending Your 健康 Care Flexible Spending Dollars

• 用你的FSA免税资金来支付 美国国税局合格的医疗保健费用 for you, your spouse and any dependents you claim on your federal tax return.
• You are responsible for ensuring tax-free withdrawals are spent on qualified health care expenses.
• Your contributions and withdrawals to and from your FSA must be declared on your federal tax return.

FSA participants receive a 健康Equity Visa check card. This card is linked to your FSA balance and works just like a conventional check card. 参与者还可以使用在线账单支付.

受抚养人护理支出帐户概述 

You may use this account to pay for care of your eligible dependents so you (and your spouse) can work (or actively look for work) or attend school full-time. 

一般来说，合资格的受养人是: 

• Your child under age 13 (as long as you or your spouse is entitled to the income tax exemption for the child) 
• 你的残疾配偶
• A disabled dependent of any age who lives with you at least eight hours per day

Expenses eligible for reimbursement generally include: 

• Child care at a day camp, nursery school or private sitter 
• 学前及课后托儿费用 
• Cost of a housekeeper whose duties include care of a qualified dependent
• Elder care for an incapacitated adult who lives with you at least eight hours per day

当你提交联邦所得税申报表时, 你将被要求提供姓名, address and Social 安全 or tax identification number of the individual or organization providing dependent care. 如果你不能提供这些信息, you should not use the DCSA to pay for these dependent care services. 也, 如果你参加了DCSA, you cannot claim the child care credit for these expenses on your federal tax return. 

你可以贡献 最高5,000美元 每年($2,500 如果已婚并分开归档).

• In order to contribute to a 健康 Savings Account, you must be enrolled in the High-Deductible 健康 Plan.  
• If you are enrolled in the Standard PPO plan or have waived coverage, you may contribute to the 健康 Care Flexible Spending Account.  
• You cannot contribute to both the 健康 Savings Account & the 健康 Care Flexible Spending Account simultaneously.
• Regardless of which health plan you participate in (or if you have waived coverage), you may contribute to the 受抚养人护理支出帐户. 
• 每个帐户分别处理. 例如, you cannot use money deposited in your 健康 Care Flexible Spending Account to cover dependent day care expenses or vice versa. Funds cannot be transferred from one account to the other.