1. Learn the basics. An HSA is a savings account available to
American taxpayers who have health insurance coverage under a high-deductible
plan.
2. Find out if you are eligible. To be eligible to open an HSA,
you must: Be covered by an HSA-compatible health insurance plan with a high
deductible and not enrolled in Medicare.
3. Get real about your budget. In order for an HSA to be
beneficial, you have to have funds to contribute in the first place.
4. Choose how to enroll. While you can enroll in an HSA on your
own at any time, they are often available through your employer during their
open enrollment period.
5. Start contributing. For 2013, the maximum amount an
individual can add to an HSA is $3,250. Families can contribute a maximum
amount of $6,450.
Source: GoHealthInsurance
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