Key Points HSAs let you set aside money for healthcare expenses in a tax-advantaged fashion. Investing your HSA for many years could grow your balance into a larger sum in time for retirement. Data shows that only about 10% of HSA holders have that money invested, which means most savers are missing a huge opportunity. The $23,760 Social Security bonus most retirees completely overlook › There are certain expenses in your life you can control to a reasonable degree. Housing, for example, is somet ...

2026年健康保险成本预期 - 专家预计2026年通过工作单位或《平价医疗法案》投保的保费、自付额和自付费用均将上涨 [1] - 雇主预计在2026年为每位员工支付的健康保险费用将平均增加65% [3] - 部分增加的成本可能转移给员工，形式为更高的月保费或更大的自付额 [3] 个人财务规划建议 - 建议投保人提前了解下一年度的保费、自付额和共付额的具体数额 [2] - 建议确保应急储蓄足以覆盖2026年可能更高的自付额 [3] - 投保人应了解计划的最高自付费用，个人可达5000美元，家庭可达10000美元，以避免使用信用卡支付产生额外成本 [3] 高自付额健康计划与健康储蓄账户 - 高自付额健康计划通常保费较低但自付额较高 [4] - 健康储蓄账户提供三重税收优惠：供款可抵税、资金延税增长、符合资格的医疗费用提款免税 [4] - 高自付额健康计划与健康储蓄账户组合仅建议有足够储蓄覆盖较高年自付额的个人考虑 [5] 成年子女保险覆盖评估 - 建议仍将26岁以下成年子女纳入自身计划的父母重新评估其保险安排 [5] - 许多年轻成年人可能通过其雇主获得成本更低的保险，比较计划并在可行时转换覆盖范围可节省费用 [5]

Peter Cade | Photodisc | Getty ImagesAs open enrollment arrives, millions of Americans face key decisions, such as picking health insurance. If the plan comes with access to health savings account, or HSA, contributions, you could use the funds for long-term investments, experts say.    While most workers spend HSA money on yearly out-of-pocket health expenses, a small percentage invests the balance, which can grow tax-free for future medical costs.      "The plan is to go into retirement with a six-figure ...

高免赔额健康计划与健康储蓄账户概述 - 高免赔额健康计划虽免赔额较高，但提供传统健康计划没有的健康储蓄账户 [1] 健康储蓄账户作为退休储蓄工具 - 健康储蓄账户不仅用于支付医疗费用，更是一种被低估的退休储蓄方法 [2] - 健康储蓄账户与401(k)和IRA等传统退休储蓄计划一样，是为未来规划而设 [2] - 健康储蓄账户资金可逐年滚存，这一特性使其适用于退休规划 [5] - 健康储蓄账户可作为退休账户使用，通过支付自付医疗费用并将余额进行投资来积累退休资金 [10] 健康储蓄账户的供款规则 - 2025年个人健康储蓄账户最高供款额为4,150美元，家庭健康储蓄账户最高供款额为8,300美元 [6] - 在纳税年度内年龄达55岁或以上，可额外追加年度供款1,000美元 [6] 健康储蓄账户的核心特征 - 账户持有人可自主决定用于当前支出和退休储蓄的金额比例 [7] - 账户内资金可进行投资，以利用复利效应增长 [7] - 用于合格医疗费用的提取免税 [7] - 账户供款可抵税，资金增长免税，合格医疗费用提取免税 [8] - 合格医疗费用范围广泛，包括免赔额和共付额等 [8] - 账户具有便携性，即使更换健康计划或工作也可保留 [8] - 与灵活支出账户不同，健康储蓄账户资金不会过期，可逐年滚存 [8] 健康储蓄账户的税务优势 - 个人健康保险持有人若供款4,150美元至健康储蓄账户，其应税收入将降低同等金额 [9]

Key Points A health savings account (HSA) lets you sock away money for healthcare costs in a tax-advantaged manner. It's important to understand how HSAs work. The right strategy could help you make the most of that money. The $23,760 Social Security bonus most retirees completely overlook › Healthcare is an expense everyone has to deal with. It doesn't matter if you're 25, 47, or well into retirement. At some point, medical bills are apt to come your way, and you're going to have to dip into you ...

It’s no coincidence that so many people wait until 65 to retire. That’s when Medicare kicks in. Having health coverage at that point can help keep your retirement savings intact — because paying for medical care on your own can drain your funds fast. There are a number of common healthcare expenses Medicare won’t cover. It’s important to know what they are so you can take steps to prepare; namely, by boosting contributions to your health savings account (HSA) or other savings so you have the funds to pay ...

投资策略核心观点 - 遵循一套明确的投资策略是构建财富和实现财务自由的关键 [2] - 正确的投资方法被描述为可以遵循的“剧本” [2] 退休账户优化策略 - 应优先最大化401(k)雇主匹配供款 这被视为获得免费资金 例如年薪10万美元且公司提供5%的100%匹配 则个人供款5000美元可获得公司额外匹配5000美元 [3] - 在满足401(k)匹配 偿还高息债务并开设罗斯IRA后 应将剩余资金继续投入401(k) 使其供款额超过雇主匹配水平 [6] - 2025年401(k)计划的年度个人供款上限为23500美元 [6] - 应开设罗斯IRA作为额外的退休储蓄工具 以实现免税增长 [5] - 2025年IRA的年度供款上限为7000美元 50岁及以上个人可额外追加供款1000美元 [5] 债务管理与特定账户运用 - 偿还高利率债务（如年利率26.99%的信用卡债务）被优先视为能带来显著即时回报的行为 [4] - 在偿还债务期间 应避免产生新的债务或开立新的信用卡 [4] - 健康储蓄账户(HSA)可作为投资账户使用 并具有三重税收优势：供款抵税 增长免税 以及符合条件的提取免税 [7][8]

Many money experts are quick to differentiate between high-income earners and wealthy people. A six-figure salary does not necessarily mean that a person is rich, particularly if they do not know where to put their money. Often referred to as HENRYs (High Earners, Not Rich Yet), these individuals are in a top-tier income bracket but may be making money mistakes that keep them from becoming truly wealthy. Explore More: 5 Key Mindset Shifts To Financially Become the Top 1%, According to Humphrey Yang Check O ...

医疗保健行业 - 即使有医疗保险 退休人员的自付医疗费用也可能非常高昂 这包括处方药、手术和长期护理费用 [3] - 财务专家估计 需要至少100万美元储蓄才能舒适退休 而老年人医疗账单花费数十万美元 这会缩短巨额资金的持续时间 [3] - 规划建议包括开设健康储蓄账户或类似医疗费用专项基金 定期审查健康保险并考虑补充保险以减轻成本 [4] 房地产行业 - 房屋所有权是消耗退休资金的主要支出来源 随着房屋老化 重大维修如屋顶更换或管道问题会更频繁 [5] - 尤其是在同一房屋居住多年后 老旧设施的维修和维护费用会变得昂贵 [5] - 规划建议包括设立房屋维护基金并进行定期房屋检查 以预期和分摊这些成本 [6] 金融投资行业 - 通货膨胀对未来储蓄产生显著影响 需要提取更多资金以弥补上涨的生活成本 [7] - 如果投资组合由固定收益策略构成 而该策略无法通过随时间增加收入来跟上通胀 则问题会尤其严重 [7] - 为对冲通胀 建议将部分投资组合配置于股票 因其历史回报优于债券和现金 保持多元化投资组合长期有益 [7]

退休储蓄挑战 - 许多中产阶级美国人在退休后发现其储蓄不足以支撑期望的生活方式[1] - 缺乏正确的投资策略可能导致退休账户资金消耗速度快于预期[2] 投资策略建议 - 应充分利用雇主赞助的退休计划如401(k)或403(b) 并至少获取雇主匹配供款部分 50岁以上者可进行追加供款[4] - 考虑将传统401(k)或IRA转换为罗斯IRA 转换金额需缴税但退休后提款可免税 需注意转换后的五年规则[5] - 临近退休时需调整风险承受能力 建议保持股票和债券的平衡组合 多数财务顾问推荐60%股票和40%债券的配置比例[6] - 拥有高免赔额健康保险计划者可利用健康储蓄账户 HSA提供税前供款和合格医疗费用免税提款等税收优惠[7] 投资目标 - 通过明智投资积累财富 创造退休期间可依赖的收入来源[3]