课程: Financial Basics Everyone Should Know
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Deciding whether HSAs are right for you
- [Host] Health insurance is generally provided by your employer, or alternatively, can be purchased through government run exchanges like the famous Obamacare, which are often set up on a state by state level. The cost of health insurance and specific needs an individual has are mainly driven by their age and their health. So insurance for a person's health isn't directly related to your individual finances for the most part. The exception is health savings accounts or HSAs. HSAs are a tax free option often provided by employers and they are a great tool to use in combination with insurance. Say you have a high deductible health insurance plan, one where you have to pay the first one or 2000 in medical expenses before the insurance kicks in, you can save money tax free in an HSA account. The deductible is what you have to pay before your insurance kicks in and covers the remaining medical fees. The deductible cost varies based on your plan. For example, if you have a car accident and…
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