My new employer is adding what looks like a pre-tax contribution of an extra 1k to my paychecks monthly to pay for health insurance and the remainder is meant to be put in to an HSA. My wife's insurance plan only costs us $210/mo and the HSA contribution limit for a family is $6550/yr what is going to happen to the remainder of the money? [more inside]
posted by jojomnky
on Jul 1, 2014 -
Why do companies promote HSA as superior to PPO, is there some benefit to them?
Barring any extreme medical circumstances, when does HSA make sense over PPO? [more inside]
posted by nodebunny
on May 30, 2014 -
I am totally paralyzed with indecision about the health insurance options I have at work this coming year. Halp! High deductible plan with an HSA vs tried-and-true HMO. [more inside]
posted by banjo_and_the_pork
on Dec 10, 2013 -
Can I really use my now empty Health Savings Account plan to pre-tax reimburse myself for expenses in the past, if I contribute to it today? [more inside]
posted by lpctstr;
on Aug 24, 2013 -
I am thinking of retiring early, relatively soon. Probably within five years, maybe much sooner. I want to make sure that I correctly understand various things, so I have several questions related to taxation, Obamacare, health savings accounts, IRAs, and SEPP. [more inside]
posted by Sock McPuppet, Jr.
on Jul 1, 2013 -
Purchasing meds without insurance coverage, what could be the implications? [more inside]
posted by zaxour
on Feb 18, 2013 -
Had a medical procedure that cost $3100. Paid for it in full with money in my HSA. Provider will now bill insurance for me and according to benefits schedule I will get a check back for $1000 from insurance company. I would have been perfectly happy to have only paid out $2100 and have left the $1000 to accrue tax-deferred. But the provider insisted on payment in full at time of service. Can I put this money back in the HSA? I see that there is an entity called a "Mistaken Distribution" for instances when you use your HSA debit card by accident. The language surrounding this "mistaken distribution" warns of potential tax consequences. But in my instance I did not make a mistake. I already contribute maximally to the account so I can't go over. What should I do?
posted by teg4rvn
on Feb 10, 2013 -
I don't have employer-provided insurance and purchase it directly. Is it possible to increase coverage to deal with a new health issue? [more inside]
posted by anonymous
on Feb 4, 2013 -
I'm straightening out my taxes for 2010 and 2011, and I had a couple of questions about HSAs that I hoped you guys would be able to help me answer. (I know you're not my lawyer). [more inside]
posted by Stephanie Duy
on Aug 28, 2012 -
Are there any credit unions that offer Health Saving Accounts (HSA's) to people who live in Seattle? It doesn't look like it's offered by any of the big ones (BECU, Watermark, Verity, Seattle Metropolitan). I'm not happy with HSABank's lack of online bill pay and want to support CU's in any case.
posted by rouftop
on Oct 27, 2011 -
Is it discriminatory for an employer to vary HSA contributions based on an employee's health? [more inside]
posted by anonymous
on Oct 25, 2011 -
Health Savings Account -- How do I figure the tax savings on an HSA that deducts $300 a month from my pay; yearly total = $3600? The representative selling this plan says the tax savings will be about 30%. That's fantastic if true, but it seems high. What do you think?
posted by partner
on Oct 20, 2011 -
Is the out-of-pocket cost for a new dental crown an acceptable expense for an HSA, if I already have dental insurance? If it is "denied" as an acceptable expense, what happens? [more inside]
posted by tckma
on May 5, 2010 -
I live overseas for 10 months a year. I am finding it very difficult to get health insurance. No preexisting conditions, no smoking, not obese, but I am only barely a resident of California, and this seems to be a tripping point. All I want is a basic, high deductible plan for emergencies. I am currently covered in Virginia (from a while back, never told them I moved), but since my residency is California now, they probably won't cover me. What are my options? I just spent 4 hours on applications and was turned down every time. Everything else I see on google looks dodgy.
posted by Nothing
on Mar 24, 2009 -
Had to go to the emergency room (I'm fine) and when I presented my insurance they said my "ER Access Fee" was 0$. So I paid nothing, but what does that cover exactly? [more inside]
posted by Hands of Manos
on Jan 3, 2009 -
Health Savings Accounts (HSA's) ... Can they be used as just another tax-free retirement account after you max out your Roth IRA? [more inside]
posted by MrBCID
on May 16, 2007 -
Health Savings Accounts: If I pay X out of pocket for medical expenses, can I take X out of my HSA later that year and pay myself back?
posted by drezdn
on Apr 27, 2007 -