前司的HSA真的是不错，1400的deductible每年送1000，可惜不小心去了个毒组被迫休假跑路了。
目前有EPO/PPO/HSA，虽然理论上跑医院的次数不多就应该选HSA，但是这个HSA 1800deductible每年公司只送750, 换来的只是每个paycheck少交20块钱。但是今天跟同事聊他依然选择HSA，并且他每年会把HealthEquity的钱转到fidelity的HSA上面去（HealthEquity的投资功能用起来略麻烦）
EPO/PPO区别不大，PPO多了350的deductible以及out-of-network的覆盖，刚刚经历过FMLA/STD的流程，大部分填表干脆的心理医生基本都是out-of-network（2-3次session之后就可以填表并且可以按照你的喜好来写病情）。out-of-network的deductible也不高就700，所以目前看起来PPO还是最优解？
PPO/HSA每个月月费竟然才差20。。喜欢哪个就选哪个吧。
你漏算了可以存HSA的tax benefit， 就算tax rate 35%, 4300 * 0.35 =1,505 也足够覆盖deductible 差别了。更别提capital gain免税
也有道理。但是总感觉HSA拉满了最后也不知道该怎么用了。。我基本上之前是能用HSA就用掉的
买股票，投资啊
HSA如果用不完，等65岁以后可以当养老金取啊，就当多一点401k
edit: 最划算的方法是应存尽存，平时看病out of pocket的收据留好。以后需要钱的时候就可以免税取钱了。
我也基本能用就用，没有收益最大化，懒得track receipt等年老了报销
倒是没担心用不出去，感觉美国这医疗，年纪大了，一下就能用掉了。
如果你不想延后提取，可以试试回国体检，然后把机票和体检费一起用HSA报销了
好的，就凭这点我可以投满HSA了lol不愧是经济学家
？？？机票也能报销？真的吗？
Transportation
You can include in medical expenses amounts paid for transportation primarily for, and essential to, medical care.
You can include:
Bus, taxi, train, or plane fares or ambulance service; Transportation expenses of a parent who must go with a child who needs medical care; Transportation expenses of a nurse or other person who can give injections, medications, or other treatment required by a patient who is traveling to get medical care and is unable to travel alone; and Transportation expenses for regular visits to see a mentally ill dependent, if these visits are recommended as a part of treatment.Car expenses.
You can include out-of-pocket expenses, such as the cost of gas and oil, when you use a car for medical reasons. You can’t include depreciation, insurance, general repair, or maintenance expenses.
If you don’t want to use your actual expenses for 2024, you can use the standard medical mileage rate of 21 cents a mile.
You can also include parking fees and tolls. You can add these fees and tolls to your medical expenses whether you use actual expenses or the standard mileage rate.
Example.
In 2024, you drove 2,800 miles for medical reasons. You spent $400 for gas, $30 for oil, and $100 for tolls and parking. You want to figure the amount to include in medical expenses both ways to see which gives the greater deduction.
You figure the actual expenses first. You add the $400 for gas, the $30 for oil, and the $100 for tolls and parking for a total of $530.
You then figure the standard mileage amount. You multiply 2,800 miles by 21 cents a mile for a total of $588. Then you add the $100 tolls and parking and mileage for a total of $688 (588 + 100).
You include the $688 of car expenses with the other medical expenses for the year because the $688 is more than the $530 figured using actual expenses.
Transportation expenses you can’t include.
You can’t include in medical expenses the cost of transportation in the following situations.
Going to and from work, even if your condition requires an unusual means of transportation. Travel for purely personal reasons to another city for an operation or other medical care. Travel that is merely for the general improvement of one's health. The costs of operating a specially equipped car for other than medical reasons.
亏了，年初回国体检用的里程票
虽然IRS不是大兄弟，不会抬杠说国内其实医疗条件很糟糕你一定要去NE看，但如果真的被大调查了还是要拿出证据证明为了看病这趟国是非回不可的（比如我有慢性病病灶，每年回国查体要狠狠照B超，美国PCP约不上、医保不给报销、也不接受国内的病例）
等等原來大家HSA公司還會送錢的?? 我至今一直待的都什麼拉基公司.. 還以為提供HSA就是JSA福利本身 
HSA留着投资增值，收据保存好，几十年之后报销
没事了，我司401k只match前12000刀的50%，感觉可以多存点HSA当作401k的补充了
我司不仅不提供hsa选项，还只允许选择一个ppo，每个月保费接近1000刀（小孩不额外加钱）。
这么想来是不是平衡多了。
有dp么，好像international travel HSA不报？
对我来说还是不存HSA，就第一年上当过一次，之后全是PPO，理由：
现在换PPO后自由好多，真有事去ER也不会提心吊胆，反正$500 deductible打满，后面看病都是10%，随便去见医生没压力
那估计是很高级的PPO了，像屎蛋佛之类好大学提供的那样给力
我司当年是三选一（现在估计涨了）：
DED一千OOP五千的辣鸡PPO
DED一千五的HDHP比如KAISER，然后可以选自存2800+MATCH700的HSA， 或者年初直接打满1500FSA。family的话DED 3000但年初打满3000FSA。
都是每月公司400自付400保费，感觉没人选PPO，年轻人选HSA，有娃的选FSA