Anyone with high deductible health insurance plan

can have Health Saving Account (簡稱HSA); 可以在公司開，也可以自己找brokerage firm 開；我常常幫客戶開；特別是balance 比較高的客戶還可以用戶頭裏的錢投資。

HSA 和IRA有點類似；yearly contribution is tax deductible. 用於medical related expenses 免稅。隻要取錢出來（一般開戶公司會給你信用卡或支票本），brokerage firm 就會報備IRS, 你在報稅時要聲明"it is for medical related expenses", so it is reportable but not taxable.

開戶完放在裏麵的錢在未來任何時候都可以用；in the years you change the medical insurance to non-high- deductible, 你隻是不能contribute, 但還是可以用戶頭裏以前放的錢。

看病時哪些items are covered, how much % is covered, 和你的medical insurance contract 有關；和HSA 一點關係都沒有。high deductible plan 要注意醫生的billing code. 都是體檢，preventative is covered 100% and diagnosis needs to pay deductible portion. 比如有些人血糖較高，年檢醫生會多勾幾個，於是變成diagnosis , 這時你會收到帳單，可以用HSA的錢付