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cover of episode The New GOP Bill Could Make HSAs Even More Accessible

The New GOP Bill Could Make HSAs Even More Accessible

2025/6/5
logo of podcast WSJ Your Money Briefing

WSJ Your Money Briefing
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Julia Carpenter
L
Laura Saunders
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Julia Carpenter: 我认为共和党的新税收和支出法案如果能在参议院通过，将使更多的美国人能够享受到健康储蓄账户（HSA）带来的三重税收优惠。目前提出的立法不会减少HSA现有的福利，反而会增加更多的福利，这无疑对广大民众来说是一个利好消息。 Laura Saunders: 作为华尔街日报的税务记者，我来给大家详细解释一下HSA。它是一种与高额免赔医疗保险相结合的储蓄账户。账户里的钱可以用来支付医疗费用，也可以存起来以后使用。最重要的是，HSA具有特殊的税收优势，里面的资金可以持续增长，甚至在65岁以后像IRA一样使用。新法案还提议允许使用HSA支付健身会员费和课程费用，这对很多人来说都是一个好消息。此外，新法案还将允许更多的人使用HSA，例如那些购买ACA铜级计划或灾难性计划的人。即使年轻人现在身体健康，也可以通过HSA为未来储蓄。总的来说，这些变化都是积极的，并且没有引起争议。

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HSAs, or Health Savings Accounts, are paired with high-deductible health plans. They offer triple tax advantages and allow contributions to be used for healthcare expenses or saved for future use, growing tax-free. Withdrawals are tax-free for healthcare, and taxed like an IRA otherwise after 65.
  • HSAs are paired with high-deductible health plans
  • Triple tax advantages
  • Money can grow tax-free and be used for healthcare expenses or saved for the future
  • Withdrawals are tax-free for healthcare purposes; taxed like an IRA otherwise after age 65

Shownotes Transcript

Health savings accounts cover at least 60 million Americans. Under the tax-and-spending bill’s proposed changes), another 20 million Americans could access these accounts’ tax savings. Host Julia Carpenter talks with tax reporter Laura Saunders about the most important changes in the bill. 

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