Fundamentos de Accidente y SaludPregunta 477 de 716
Contributions to a Health Savings Account (HSA) generally receive which federal tax treatment?
a.They are tax-deductible or pre-tax, grow tax-free, and are tax-free when used for qualified medical expenses
b.They are forfeited at the end of each year
c.They can never be carried over into a future year unless the account owner remains with the same employer and health plan
d.They are always fully taxable when contributed
Explicación
HSAs offer a rare triple tax advantage: contributions are deductible or made pre-tax, the account grows tax-free, and withdrawals for qualified medical expenses are tax-free. Contributions are not taxable when made, the balance does carry over year to year, and funds are not forfeited at year-end. This favorable treatment, combined with the balance being the owner's to keep, makes the HSA a powerful savings tool alongside a high-deductible plan.
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)