貌似每次Ubuntu升级换代...# Linux - Linux 操作系统
t*r
1 楼
I think HSA has very attactive tax benefits.
1) Contribution is pre-tax, even before FICA and medicare (unlike 401k is
after FICA and medicare)
2) If you are in a high tax bracket, HSA contribution could help bring down
the AGI so that you may qualify for other tax benefits which are only
available to people with AGI below certain threshold (roth IRA contribution,
child credit, education credit, etc)
3) Even though you are not using the money in HSA in the near future, it can
be invested in funds and grow over time, and you don't pay tax on the
earning as long as it is used to pay qualified medical expenses (someone
correct me if I'm wrong here). To me this is using pre-tax dollars to
generate tax-free earnings.
4) The only catch is it can only be used for medical expense without tax and
penalty. However medical expense is one thing that nobody can avoid and we
all need money to pay for it sooner or later. Wouldn't it be great to use tax-
free dollars to pay for one of the largest expenses after retirement other
than using distribution of 401k?
With above being said, I'm not sure about maximizing it every year and put
too much money in it, especially if health plan offer annual out-of-pocket
limit so medical expense is capped.
Thoughts? Discuss.
1) Contribution is pre-tax, even before FICA and medicare (unlike 401k is
after FICA and medicare)
2) If you are in a high tax bracket, HSA contribution could help bring down
the AGI so that you may qualify for other tax benefits which are only
available to people with AGI below certain threshold (roth IRA contribution,
child credit, education credit, etc)
3) Even though you are not using the money in HSA in the near future, it can
be invested in funds and grow over time, and you don't pay tax on the
earning as long as it is used to pay qualified medical expenses (someone
correct me if I'm wrong here). To me this is using pre-tax dollars to
generate tax-free earnings.
4) The only catch is it can only be used for medical expense without tax and
penalty. However medical expense is one thing that nobody can avoid and we
all need money to pay for it sooner or later. Wouldn't it be great to use tax-
free dollars to pay for one of the largest expenses after retirement other
than using distribution of 401k?
With above being said, I'm not sure about maximizing it every year and put
too much money in it, especially if health plan offer annual out-of-pocket
limit so medical expense is capped.
Thoughts? Discuss.
