Preguntas frecuentes sobre las HSA

Una HSA es una cuenta bancaria especial para sus gastos sanitarios subvencionables. Puede ingresar dinero en su HSA mediante deducciones en nómina antes de impuestos, depósitos o transferencias. A medida que el importe aumenta, puede seguir ahorrándolo o gastándolo en gastos subvencionables. El dinero de la HSA le pertenece y puede conservarlo aunque cambie de trabajo. Los fondos se transfieren de un año a otro y pueden devengar intereses. Sólo puede contribuir a una HSA si está inscrito en un plan de salud con deducible alto, como el Plan HSA de Albertsons Companies o el Plan HSA de Kaiser CA.

Es como una cuenta bancaria, pero para gastos médicos subvencionables. Funciona así:

1. Usted ingresa dinero en su HSA mediante deducciones semanales de su nómina, depósito o transferencia.
2. Cuando tenga un gasto elegible, puede retirar dinero de su HSA para pagarlo. Al igual que con otras cuentas bancarias, puede retirar dinero con una tarjeta de débito o un cheque específico para la HSA.
3. Puede utilizar el dinero de su HSA para pagar la atención médica hasta que alcance su deducible, o para el coseguro después de alcanzarlo. O pagar otros gastos elegibles no cubiertos por su HDHP, como la atención dental o de la vista. O puede ahorrar el dinero y utilizarlo para pagar futuros gastos sanitarios, por ejemplo, en la jubilación.

Yes. To be eligible to open and contribute to an HSA, you need to be enrolled in a qualified high deductible health plan (HDHP)—one with a minimum annual deductible of $1,350 for self-only coverage or $2,700 for family coverage.

Usted sí. El dinero es siempre suyo y nunca caduca, aunque deje la empresa o se jubile. Si se inscribe en Medicare o trabaja para otra empresa que no tenga un HDHP cualificado, podrá seguir utilizando el dinero de su HSA para pagar gastos médicos cualificados, pero no podrá contribuir a su HSA.

Sí, y lo mejor de todo es que los intereses que devenga el saldo de su HSA están exentos de impuestos.

Yes. There’s no minimum required to start investing, though certain funds may require a minimum amount. Sign in to your Fidelity HSA account at www.netbenefits.com to select your investment elections. You can also talk to a Fidelity representative who can review your investment options, including stocks, bonds, treasury notes, short term investments and mutual funds. Call 866-956-3433.

Si necesita acceder al dinero que ha invertido, puede vender esas acciones y convertir esos fondos de nuevo en efectivo. Habrá un ligero retraso antes de que tenga acceso al dinero que invirtió. Puede ponerse en contacto con un representante de Fidelity HSA para obtener más información sobre el proceso.

Yes. You can make a once-in-a-lifetime rollover from your IRA into your HSA. You can’t, however, roll money into your IRA from your HSA. Note that an IRA rollover will count toward your annual contribution amounts.

Para tener derecho a una HSA, debe:

• Estar cubierto por un plan de salud con franquicia elevada (HDHP).
• no estar cubierto por un plan no subvencionable, como un plan no HDHP, Medicare o una cuenta de gastos flexibles (FSA) de asistencia sanitaria, ni siquiera por el plan de su cónyuge.
• No figurar como dependiente en la declaración de la renta de otra persona.

Yes, as long as you are covered by a qualified HDHP and are not enrolled in Medicare. You can be eligible for Medicare and still contribute to an HSA as long as you are covered by an HDHP and not enrolled in Medicare.

Sí. Siempre que usted mismo no esté inscrito en Medicare y siga inscrito en un HDHP cualificado, puede contribuir a su HSA.

Sí, siempre que ambas personas estén cubiertas por un HDHP y no estén inscritas en un plan no elegible (plan médico no HDHP, Medicare o una FSA de uso general). Sin embargo, las aportaciones combinadas a ambas HSA no pueden superar el límite familiar anual.

If your domestic partner meets the IRS qualifications of a tax dependent, you can legally use your HSA funds for their medical expenses.

Yes. The money in your HSA can be used to pay for qualified medical expenses of any family member who qualifies as a dependent on your tax return. However, if the dependent isn’t covered under your plan, their healthcare expenses won’t be applied toward your deductible.

If you enroll in the HSA Plan or the Kaiser CA HSA Plan for the first time, you’ll receive an email from Fidelity inviting you to open your HSA. Once you have received the email, sign in to Fidelity’s website at www.netbenefits.com and click the Open tile to open your HSA. Your HSA must be opened before you can use it and before your paycheck deduction contributions will start.

Yes. Sign in to www.netbenefits.com to review your HSA balance, make investment elections, and more.

There are multiple ways to use your HSA for payment or reimbursement of qualified medical expenses. Once you open your account, Fidelity mails you a health savings account debit card. Simply swipe your Fidelity health savings account debit card at your doctor’s office, lab or pharmacy. And if your medical provider doesn’t accept the card or sends you a bill, you can log on to www.netbenefits.com to pay the provider directly from your account using Fidelity BillPay®. You can also request checks linked to your HSA.

No. Fidelity doesn’t ask for proof of your health savings account claims. However, keep all your receipts in case you’re audited by the IRS. The Fidelity Health app helps you manage your expenses, payments, and claims all in one place, on most devices – smartphone, tablet, etc.

Anyone can contribute to your HSA.

Your HSA dollars can be used to pay any qualified medical expenses, including your plan deductibles, co-insurance and co-pays.

Qualified medical expenses are the medical, dental and vision expenses defined in IRS Publication 502 (https://www.irs.gov/publications/p502).

Yes. You can withdraw money tax and penalty-free if used for qualified medical expenses. If you take money out for other purposes, however, you’ll have to pay income taxes on the withdrawal plus a penalty. After age 65, you can use HSA funds for other purposes without penalty. You’ll just need to pay income taxes on the withdrawal amount. Funds withdrawn for qualified medical expenses will remain tax-free.

No. You can only use the HSA funds to pay for eligible health care expenses incurred after the date your HSA was established.

If you are under 65, you’ll be taxed on the money you use and assessed a penalty. After age 65, if you withdraw funds for any purpose other than qualified medical expenses, you will be subject to income taxes, but there is no penalty. Funds withdrawn for qualified medical expenses will remain tax-free.

You can’t use your HSA to pay for your Albertsons Companies benefits premiums, but there are some situations that allow you to use your HSA to pay for health plan premiums. You can use your HSA to pay premiums for:

• COBRA continuation coverage
• Health coverage while getting unemployment compensation
• Qualified long-term care
• Medicare and other health insurance if you are 65 or older, not including Medicare supplement insurance

Your HSA can be used for cosmetic surgery if prescribed by a physician and deemed to be medically necessary.

The names sound alike, but don’t confuse the two. When you enroll in a high-deductible medical plan, you can use an HSA to pay for eligible health care expenses with tax-free money. If you elect a different medical plan or no medical coverage, you can use a health care flexible spending account (FSA), which also allows you to pay for eligible health care expenses with tax-free money. While both offer valuable tax-saving opportunities, they are very different. With an HSA, you can use the money for health care expenses now or in the future. It’s like having a 401(k) plan for medical expenses that gives you a chance to save, invest and grow your money.

With an FSA, whatever money you don’t use by the end of the year, you lose. Another important difference is that your full health care FSA contribution amount is available to you up front. However, with an HSA, the funds are not available to you until they are deposited to your account. You can’t have both an HSA and a health care FSA.

No. You cannot contribute to an HSA and a healthcare FSA at the same time.

Yes. But you can’t put money into your HSA until the FSA grace period is over.

You can open an HSA only if your spouse’s FSA is a limited-purpose FSA for dental and vision expenses only, not a full healthcare FSA.