Coyle Dan
Buck Consultants, ACS Company.
Benefits Q. 2008;24(4):33-5.
A health savings account (HSA) plan, when properly understood, can be a great tool for managing health care costs for employers. It also can be a great tool for employees who want to save for future medical costs. Unfortunately, most presentations and articles about HSA plans skip the details and there are many administrative and compliance complexities, as would be expected with any plan that involves a tax break. This article provides ten points human resource (HR) and benefit professionals should know when considering whether to add an HSA plan. In this collective learning curve, the more accurately employers address questions, the happier their employees will be with their new plans.
健康储蓄账户（HSA）计划，如果理解得当，对雇主管理医疗保健成本而言是一个很好的工具。对于那些想要为未来医疗费用储蓄的员工来说，它也是一个很好的工具。不幸的是，大多数关于HSA计划的介绍和文章都忽略了细节，而且存在许多行政和合规方面的复杂性，这在任何涉及税收减免的计划中都是可以预料到的。本文提供了人力资源（HR）和福利专业人员在考虑是否增加HSA计划时应该了解的十点内容。在这个共同的学习过程中，雇主对问题的回答越准确，员工对新计划就会越满意。
