Meyer Cynthia, Smith Michael C
Benefits Q. 2016;32(4):20-23.
Employers and employees are navigating major changes in health insurance benefits, including the move to high-deductible health plans in conjunction with health savings accounts (HSAs). The HSA offers unique benefits that could prove instrumental in helping workers both navigate current health care expenses and build a nest egg for much larger health care costs in retirement. Yet employees often don't understand the HSA and how to best use it. How can employers help employees make wise benefits choices that work for their personal financial circumstances?
雇主和员工正在应对医疗保险福利方面的重大变化，包括转向高免赔额健康计划并搭配健康储蓄账户（HSA）。健康储蓄账户提供了独特的福利，这可能有助于员工应对当前的医疗费用，并为退休后更高的医疗成本储备资金。然而，员工往往不了解健康储蓄账户以及如何最佳地使用它。雇主如何帮助员工做出符合其个人财务状况的明智福利选择呢？
