Health Insurance Primer簡歷

Health Insurance Primer簡歷

　　時間過得可真快，從來都不等人，眼見著，找工作的時間馬上到來，現(xiàn)在的'你想必是在寫簡歷吧。你知道寫簡歷需要注意哪些問題嗎？以下是小編為大家整理的Health Insurance Primer簡歷，僅供參考，大家一起來看看吧。

　　Without enough health insurance, a medical emergency, or even a serious condition in your family, could hurt your financial well-being. Make sure your coverage is sufficient--and make the most of whats available to you--with these tips.

　　Scrutinize Options at Renewal Time

　　If you have health insurance through your work, youll probably be picking next years coverage soon. Dont automatically continue with your existing policy. You may need some new strategies for dealing with the ever-rising cost of coverage.

　　Employer-sponsored health insurance premiums increased an average of 11.2 percent in 2004, the fourth consecutive year of double-digit growth, according to the "2004 Annual Employer Health Benefits Survey" conducted by the Kaiser Family Foundation. Annual premiums averaged $9,950 for family coverage and $3,695 for singles. Most employers still cover the bulk of premiums, leaving the average employee to pay only $2,661 for family coverage or $558 for a single policy.

　　But thats only part of the cost. Many employees are paying more out of pocket for prescription drugs, doctors visits, hospital stays and deductibles. When comparing plans, look at overall costs, not just premiums. If youre considering a health maintenance organization (HMO), make sure your doctors will be on the plan next year.

　　And consider all the options offered by both your employer and your spouses. Some employers offer bonuses if you dont sign up for their health insurance or charge family members extra if they qualify for another health insurance plan (such as through your spouses employer) but use your coverage instead. In that case, it may be better to stay on your employers policy but shift your spouse and family members to your spouses employers plan. Run the costs of the care you expect your family will need through all available plans before making a decision.

　　Consider a Health Savings Account

　　And more employers will be offering a new option to help cut costs: A high-deductible health insurance policy paired with a health savings account (HSA). Raising your deductible can lower your premiums significantly, and opening an HSA can give you big tax advantages.

　　A health savings account is different from a flexible spending account (FSA). HSAs became available in 2004. The biggest difference between FSAs and HSAs is that FSA money must be spent by the end of the year, or, under a new change in the law, as long as a year plus two-and-a-half months, if your employer offers that extension. HSA money is yours to keep. If you dont use the money that year for medical expenses, you can keep it in the account, where it grows tax-free for future medical expenses. And like a 401k, you can keep the money even after you leave your job.

　　To qualify, youll need a health insurance policy with a deductible of at least $2,000 for family policies or $1,000 for singles. You can then invest pretax money in an HSA up to the deductible amount (no more than $5,250 this year for families; $2,650 for singles), which you can use tax-free in any year to pay for medical expenses. Youll owe taxes plus a 10 percent penalty if you use the money for nonmedical expenses before age 65; after that, youll avoid the penalty. These plans are a particularly good deal if you dont have many medical expenses and can keep the money in the account for years to make the most of the tax benefits.

　　These accounts also are a great option if youre self-employed and solely fund your insurance. If youre on your own, you can shop for an HSA-eligible policy through eHealth Insurance or get the name of a local agent from the National Association of Health Underwriters. You can also find the names of insurers offering the policies at HealthDecisions.org or The HSA Insider.

　　Also, shop around when choosing the financial institution for your HSA account. Many let you invest the money in savings accounts, but more are starting to offer mutual funds, and the range of fees can be quite high, says Jon Kessler, chairman of San Mateo, California-based WageWorks, which manages employer-sponsored spending and savings accounts.

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