2024 HSA缴款限额增至3 950美元,55岁以上者可补足1 000美元。 2024 HSA contribution limit increased to $3,950, with $1,000 catch-up for those aged 55+.

健康储蓄账户(HSAs)是拥有高减税保健计划的个人的税收优惠账户,允许减税缴款、免税增长和免税提取合格医疗费用。 Health Savings Accounts (HSAs) are tax-advantaged accounts for individuals with high-deductible health plans, allowing for tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses. 捐款不会到期,资金每年结转。 Contributions do not expire, and funds roll over annually. 2024年,个人捐款最多可达3 950美元,其中55人及55岁以上者可获追加捐款。 In 2024, individuals can contribute up to $3,950, with additional amounts for those 55 and older. HSA也可以作为保健费用的长期储蓄工具。 HSAs can also serve as long-term savings tools for healthcare costs. 然而,适用资格和缴款限额。 However, eligibility and contribution limits apply.