A 健康储蓄帐户(HSA) is a tax-advantaged medical savings account available to taxpayers in the United States who are enrolled in a high-deductible health plan (HDHP). An HSA allows you to pay for current health expenses and 保存 for future medical and retiree healthcare expenses on a tax-free basis. 贡献, 收益, and distributions are all exempt from federal income 税 when funds are used for qualified medical expenses.

You can use the HSA to cover expenses related to your High Deductible Health Plan until you meet your deductible. 在你的免赔额满足之后, your health plan coverage will then pay all or a portion of your medical costs, 取决于健康计划的福利设计. Any excess funds available in the HSA may be used for other qualified expenses, 包括牙科和视力费用. 基金也可以保留在HSA中，以便在未来几年使用.

开一个储蓄帐户

一旦你打开你的元素 HSA, you will have access to the HSA Portal within 万博manbetx下载3 and the mobile app. Portal使您能够保存所有重要信息, 比如文书和收据, 在一个地方, 这使得以后更容易检索和参考. 以下是通过HSA门户提供的其他工具: 

• 指示板 -概述您的余额和朝着HSA年度限额的进展.
• 可扣除的追踪 -连接你的健康计划(例如. Blue Cross Blue Shield) account, to take the guesswork out of your progress against your deductible.
• 保险公司的顾问 — provides actionable feedback about how you can get the most benefit from your HSA.
• 连接你的万博maxbet官网下载 — link personal credit and/or debit cards to your account so that no HSA purchase goes uncaptured. You can also link your savings or checking account for easy reimbursements.
• 投资账户 — view your investment account totals and move money to and from your TD Ameritrade account.
• 医疗保健蓝皮书 — a free consumer guide to help you determine fair prices in your area for health care services such as surgery, 住院, 去看医生, 或医疗测试.
• HSAStore.com — 唯一一个专门关注健康储蓄账户的网站, and it’s the easy way to shop for HSA-eligible over-the-counter products. Using this online store takes the guesswork out of what products are eligible.

Note, the HSA portal is provided through a partnership between 万博maxbet官网下载 and Bend Financial.

通过万博manbetx下载3登录您的HSA门户

万博maxbet官网下载 HSA members have access to an investment program through TD Ameritrade. Those who do not plan to use all of their HSA funds for current year medical expenses may wish to consider investing HSA dollars for potential added savings.

以便参加投资计划, 你必须有至少2美元的账户余额,注册时在你的健康保险账户里存500英镑. 资格不构成本课程的入学资格. You must actively elect to enroll in order to use the investment funding provided to you through TD Ameritrade. 要开始注册流程，请通过元素登录HSA.org/hsa. 从左侧导航菜单, select “投资账户” from the navigation bar and follow the prompts.

在TD Ameritrade注册后, 你可以移动任何超过2美元的金额,500从您的HSA账户到您的TD Ameritrade投资账户. 如果你的HSA账户余额低于2美元,500, you will not be able to move additional funds to your investment account.

如果你想了解更多的投资选择, 访问HSA门户中的HSA门户文档中心, 哪个可以被访问 登录万博manbetx下载3 或者移动应用程序. 在那里您可以查看投资计划的细节. Note that an active 元素 健康储蓄账户 is required to access the HSA Portal Document Center.

如果您对TD Ameritrade的投资项目有任何疑问, 包括招生和资金转移, 请万博manbetx下载3HSA客户支持中心寻求帮助 1 - 855 - 440 - 4 - hsa (4472).

开始就像1-2-3一样简单!

1. 网上开户- 在10分钟内开通一个在线账户. 或打电话 1- 开始. 你有政府颁发的身份证(驾驶执照)吗, 状态标识, 或护照)和你的社会安全号码准备好.
2. 〇检查电子邮件 You will receive an email within one business day to notify you of account approval. 就是这样! 你的 健康储蓄账户 现在是开放和准备从你的雇主供款.
3. 注册万博manbetx下载3 访问HSA门户- HSA Portal允许您管理您的HSA帐户. HSA门户可以通过万博manbetx下载3或移动应用程序访问. Enroll in online banking to easily access the portal from your smartphone, tablet, or computer. 了解更多万博maxbet官网下载万博manbetx下载3的信息.

开一个储蓄帐户

请参阅下面的表单pdf列表，可以帮助您入门.

• HSA账户协议
• HSA授权借记卡用户表
• HSA贡献形式
• 保险转移
• 受益人的HSA指定或变更
• 保险公司信息披露
• HSA撤军
• HSA会员信息变更表

希望了解更多万博maxbet官网下载hsa的信息?

If you’d like to better understand how you and your family can take full advantage of your 健康储蓄账户, 访问万博maxbet官网下载的 HSA欢迎套件 页面 在万博maxbet官网下载的网站上. 里面有很多万博maxbet官网下载hsa的有用信息.

如果我有万博maxbet官网下载HSA的问题，我应该打电话给谁?

Our Customer Support Center is available to answer questions about your HSA and assist you with your High Deductible Health Plan (HDHP) or for questions about the HSA Product or Portal:

• 电话-免费致电855-440-4HSA () 东部时间周一至周五，早上8点至下午5点开放

• 通过电子邮件, hsa@cassanoalloionio.com 请给一个工作日的时间，以得到适当的答复.

我已经有一个HSA了? 我能把它转到元素吗?

是的! 将现有余额转到元素账户很容易. 打电话给万博maxbet官网下载的一名队员 1- 东部时间早上8点到下午5点学习.

如何向我的HSA存款?

如果HSA是通过你的工作提供的, your employer can deduct the amount from each paycheck for deposit into the account. If you wish to make other deposits, call the HSA Customer Support Center at 1- 对矿床的指示.

What IRS reporting will I have to do each year for tax purposes for my HSA account?

You will need to complete IRS Form 8889 to be filed with your Form 1040 income tax filing each year, 无论你是否逐条列明你的扣除项目. 此表格报告您从HSA账户的存款和取款. We provide an online workbook based on your account usage to assist you with form completion. This is provided for informational purposes only and is not considered tax advice. For specific assistance with tax reporting of your HSA account, please see your personal tax advisor. 元素 will send the 1099-SA for distributions to arrive at the end of January and the 5498-SA for contributions to arrive at the end of May.