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87 88 <style type="text/css"> 89 .shareaholic-share-button {display:inline-block!important;} 90 </style> 91</head> 92<!--[if lt IE 7 ]> <body class="wp-singular post-template-default single single-post postid-643 single-format-standard wp-theme-articles_and_analysis ie6"> <![endif]--> 93<!--[if IE 7 ]> <body class="wp-singular post-template-default single single-post postid-643 single-format-standard wp-theme-articles_and_analysis ie7"> <![endif]--> 94<!--[if IE 8 ]> <body class="wp-singular post-template-default single single-post postid-643 single-format-standard wp-theme-articles_and_analysis ie8"> <![endif]--> 95<!--[if IE 9 ]> <body class="wp-singular post-template-default single single-post postid-643 single-format-standard wp-theme-articles_and_analysis ie9"> <![endif]--> 96<!--[if (gt IE 9)|!(IE)]><!--> <body class="wp-singular post-template-default single single-post postid-643 single-format-standard wp-theme-articles_and_analysis ie6"> <!--<![endif]--> 97 98 <div id="container" class="container"> 99 100<div id="home_header"> 101 <div id="logo_header"> 102 103 104 <div id="logo_container"> 105 <a href="/" title="Health Insurance Online"> 106 <img src="/images/layout/health-insurance-online-logo-big.png" width="429" height="67" alt="Health Insurance Online" /> 107 </a> 108 </div> 109 110 111 112 113 <div class="mobile-toggle-menu" style="display:none;"> 114 <span></span> 115 <span></span> 116 <span></span> 117 </div> 118 </div> 119</div> 120 121 <div class="navbar navbar-default"> 122 123 <div class="navbar" ontouchstart> 124 125 <ul class="nav navbar-nav"> 126 <li id="health-insurance-home" class="navlink" ><a href="/" title="Health Insurance Home"><span>Home</span></a></li> 127 128 <li id="nav-coverage-by-region" class="navlink" ><a href="/coverage-by-region/" title="Coverage by Region"><span>Coverage by Region</span></a></li> 129 130 <li id="insurers" class="navlink" ><a href="/insurers/" title="Insurers"><span>Insurers</span></a></li> 131 132 <li id="plans" class="navlink" ><a href="/plans/" title="Plan Info"><span>Plans</span></a></li> 133 134 <li id="seniors" class="navlink" ><a href="/medicare/" title="Seniors"><span>Medicare</span></a></li> 135 136 <li id="resources" class="navlink" ><a href="/health-insurance-resources/" title="Resources"><span>Resources</span></a></li> 137 138 <li id="articles" class="active"><a href="/articles/" title="Articles"><span>Articles & Analysis</span></a></li> 139 140 141 142 </ul> 143 </div> 144 </div> 145 146 147 148 <div id="breadcrumb"> 149 <a href="/" title="Online Health Insurance - Home">Home</a> › 150 <a href="/articles/" title="Articles and Analysis">Articles and Analysis</a> › <strong>Health Savings Accounts Under Obamacare</strong> 151 </div> 152 <section id="planbox"> 153 <div id="form_wrap"> 154 <p id="error_validate"></p> 155 <form action="/quotes/steps.php" method="post" id="GetInsForm" class="form_quicksubmit"> 156 <input type="hidden" name="step" value="1" class="hidden"/> 157 158 <input type="hidden" name="step_version" id="zip-step-version" value="" /> 159 160 <div class="mimic_label form-group" id="age_error"> 161 <div class="col-xs-12 no-padding">Insurance Type:</div> 162 <label for="yes_older_than_65" class="input_yes">Medicare Plans</label> 163 <input type="radio" name="older_than_65" id="yes_older_than_65" class="first_radio" value="1"/> 164 <label for="not_older_than_65" class="input_no">Health Insurance</label> 165 <input type="radio" name="older_than_65" checked id="not_older_than_65" class="second_radio" value="0"/> 166 </div> 167 <div class="form-group"> 168 <div class="col-xs-12 no-padding-left no-padding-right"> 169 <label for="zip-code" id="zip_error">Enter your zip code:</label> 170 <input type="tel" name="zip" value="" pattern="\d*" id="zip-code" class="form-control" maxlength="5" size="6" align="middle" /> 171 </div> 172 </div> 173 <input type="hidden" value="" name="silent_referrer" /> 174 <img src="/images/layout/form-processing.gif" alt="" id="quick-processing" style="display:none" /> 175 <input type="submit" id="quick_submit" value=" " /> 176 </form> 177 </div> 178 </section> 179 180<div id="main" role="main" class="hfeed"> 181 182 183 <article class="hentry post-643 post type-post status-publish format-standard category-uncategorized" id="post-643"> 184 <header> 185 <h2 class="entry-title">Health Savings Accounts Under Obamacare</a></h2> 186 </header> 187 <p class="subheading cf"><span class="bold">Health Insurance Online</span> | <span class="time published updated" title="2014-02-15T01:22:49Z">February 15, 2014</span> 188 189 <span class="byline author vcard"><span class="fn">Natalie S.</span><span style="display:inline-block; float:right;"></span></p> 190 <div class="entry-content"> <p dir="ltr">The Affordable Care Act, or Obamacare, is going into full effect beginning in 2014. Many people are concerned about how their health care will be affected. If you use health savings accounts (HSA) now is the best time to understand the changes that will take place. HSAs will be available, but there will be limitations attached.</p> 191<p> </p> 192<p dir="ltr">HSAs are accounts that allow employers to place tax-free monetary contributions for the employees to use in connection with their health plan. This account is primarily used to help cover health care costs. You may choose to invest it, much like a retirement account. The money in HSAs carries over without an end date or penalty for withdrawal. The contribution is currently capped at just over $3,000 for individuals and just under $6,500 for families. Since the accounts are for health care plans with high-deductibles, the deductible is at least $1250 for individuals and $2,500 for families.</p> 193<p dir="ltr"> 194HSAs are different from health reimbursement accounts (HRA) and flexible spending accounts (FSA). Both of these, the HRA and FSA, are use-it-or-lose-it accounts. This means that whatever is not used up by the end of the year is forfeited. Employees chose these accounts as they are not subject to payroll taxes. With the modifications that the healthcare act is putting on the HSAs, they will have limitations on what the HSAs will cover. HSA funds will no longer cover over-the-counter medications without a prescription. If money is used for non-medical purposes, there will be fines. While many preventative care services will not work towards the HSA plans, all health plans will be required to provide necessary health benefits.</p> 195<p> </p> 196<p dir="ltr">Finally, health savings accounts will also be available on all plans, including the “Bronze Plan.” The “Bronze Plan” has the lowest premiums with the highest deductibles. Many employees will continue to be able to use their health savings accounts to help with the cost of the doctor visits.</p> 197<p>You will still have the ability to have money deposited into the account, and it can still be used to cover medical expenses throughout the year. However, you will be required to get a prescription from your physician if the medication is sold over the counter if you wish to use your HSA funds to cover it. The health savings accounts will not really be affected under the Affordable Care Act. It will continue to service employees the way it originally was enacted for.</p> 198</div> 199 <footer> 200 <p>You can follow any responses to this entry through the <a href="https://www.online-health-insurance.com/articles/health-savings-accounts-under-obamacare/feed/">RSS 2.0</a> feed. 201 202 Both comments and pings are currently closed. 203 </p> 204 </footer> 205 206 207 </article> 208 209 210<!-- You can start editing here. --> 211 212 213 <!-- If comments are closed. --> 214 <p class="nocomments">Comments are closed.</p> 215 216 217 218 219</div> 220 221 222 <footer> 223 <div id="health-insurance-site" class="cf"> 224 <ul class="cf"> 225 <li id="quotes"><a href="/" title="Health Insurance Quotes"><span>Health Insurance Online</span></a></li> 226 <!--<li id="dr_login"><a href="/find-a-doctor/login.php" title="Site Map"><span>Doctor Listing Log-in</span></a></li> --> 227 <li id="site-map"><a href="/site-map/" title="Site Map"><span>Site Map</span></a></li> 228 <li id="privacy-policy"><a href="/privacy/index.php" title="Privacy Policy"><span>Privacy Policy</span></a></li> 229 <li id="legal-info"><a href="/legal/index.php" title="Legal Info"><span>Terms & Conditions</span></a></li>
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