feuertier said: So, I just opened an account with Alliant, and set up the account my employer will deposit to at Optum. They have a $20 outbound transfer fee, so transferring monthly/regularly is not going to be worth it. On the phone, it sounds like the CSR also said that a rollover cost $20, also, which is unfortunate.
Anyone have experience with Optum and transferring out of it?
Yup, and got docked the $20 fee. I keep two accounts, one for the employer contributions, and one at Adirondack for my own contributions. Once the balance at the employer account will return > $20 in one month at Adirondack, I'll do a custodian to custodian transfer.
Is there an official website that details what qualified medical expenses are? Googling "hsa qualified expenses 2012" shows many different sites.
EDIT: I assume it's everything in Publication 502. However, publication 502 says that insurance premiums are qualified medical expenses, but my understanding was that you couldn't pay for insurance premiums with your HSA account. Am I correct?
Check Publication 969. It says that the qualified expenses are those laid out in Pub 502 with a few exceptions, one of which is insurance premiums (and there's some cases where premiums do qualify).
Okay, so my wife just enrolled into a family HDHP (with HSA), which covers herself, our son, and myself, through her employer. In additions to the employer contribution into the HSA, she'll be contributing pre-tax dollars into the HSA via automatic payroll deduction. Will I be able to contribute pre-tax dollars into that same HSA via automatic deduction as well? We have the same employer, so the payroll system is the same.
PsychoFan said: Okay, so my wife just enrolled into a family HDHP (with HSA), which covers herself, our son, and myself, through her employer. In additions to the employer contribution into the HSA, she'll be contributing pre-tax dollars into the HSA via automatic payroll deduction. Will I be able to contribute pre-tax dollars into that same HSA via automatic deduction as well? We have the same employer, so the payroll system is the same.
Anyone can contribute to a HSA, even if they don't own it. However, only the recipient of the funds gets the tax benefits. You can open two separate HSAs (if you file jointly) and apportion the maximum $6250 between the two accounts under two SSNs or direct it to a single account under one SSN.
I have a question about max HSA yearly contribution for me now. Last year was my first year under the HDHP and I put in the max I could for having only myself covered (~$2500 since I only had coverage 10 of 12 months). We just had our first baby. NV state law says our son is automatically covered by my wife's health insurance for the first 30 days of life from 1/4/2012 to 2/3/2012 (regardless if we choose to add our son to hers). We have decided to add my son and wife to my HDHP and after 30 days cancel my wife's insurance. The effective date my wife and son will be added to my insurance is 1/4/12. That said, I know there are limitations to putting money into a HSA if you are covered my any other medical insurance other than a HDHP qualified plan. That said I am looking to see if anyone knows what my maximum amount we can contribute to the HSA this year?
I'm not sure what the correct thinking is but I am thinking I can still contribute my $250 for Jan while I am covered and then I can up it to $500 (and change) for the rest of the year while we are all on just my plan.
trekwars2000 said: I have a question about max HSA yearly contribution for me now. Last year was my first year under the HDHP and I put in the max I could for having only myself covered (~$2500 since I only had coverage 10 of 12 months). We just had our first baby. NV state law says our son is automatically covered by my wife's health insurance for the first 30 days of life from 1/4/2012 to 2/3/2012 (regardless if we choose to add our son to hers). We have decided to add my son and wife to my HDHP and after 30 days cancel my wife's insurance. The effective date my wife and son will be added to my insurance is 1/4/12. That said, I know there are limitations to putting money into a HSA if you are covered my any other medical insurance other than a HDHP qualified plan. That said I am looking to see if anyone knows what my maximum amount we can contribute to the HSA this year?
I'm not sure what the correct thinking is but I am thinking I can still contribute my $250 for Jan while I am covered and then I can up it to $500 (and change) for the rest of the year while we are all on just my plan.
You are about right. Similar question was on page 40
ETA: you still can add additional $550 for your HSA for 2011 as long as you will have HDHP for the full 2012 (last month rule)
1. Hypothetically, I made a $1500 contribution to my HSA in tax year 2011. It is now 2012. Can I charge $1000 in medical expenses on my credit card, keep the receipt, and then send a check from the HSA to my credit card company to cover the amount?
2. Same situation, but what if I charge $4000 today? Can I add $2500 to my HSA in a week and then write myself that check from the HSA?
(And is there an easy way to search this thread?! I hope I'm not asking questions others have asked already.)
mikeg1 said: Apologies if someone asked either of these prior:
1. Hypothetically, I made a $1500 contribution to my HSA in tax year 2011. It is now 2012. Can I charge $1000 in medical expenses on my credit card, keep the receipt, and then send a check from the HSA to my credit card company to cover the amount?
2. Same situation, but what if I charge $4000 today? Can I add $2500 to my HSA in a week and then write myself that check from the HSA?
(And is there an easy way to search this thread?! I hope I'm not asking questions others have asked already.) 1. yes, you can cash the HSA check yourself too. 2. yes, but it depends on when the HSA was established. As long as the HSA was open before you incurred your expenses, you can deposit money to the HSA subsequent to incurring those expenses.
P.S. to do searches in the forum, just go to the specific forum and type a search keyword in the box to look up matches to that keyword.
P.P.S. You can also enter a keyword in the "search this topic" box and just perform the search within a specific topic.
I have been corresponding with Alliant about having my HSA payroll deduction sent their instead of the one my company usually uses. Alliant has given me some really hard to understand responses. So here are my questions
1. Has anyone had their employer deposit money in their account at Alliant via check. Unfortunately my company will not direct deposit and will only mail a check. Alliant said something about treating it as an after tax deposit but were pretty unclear.
2. What forms do banks use to report contributions to the IRS? Do they report if its pre or post tax? Does it matter?
If anyone has any guidance I would really appreciate it.
uscfsmitty said: I have been corresponding with Alliant about having my HSA payroll deduction sent their instead of the one my company usually uses. Alliant has given me some really hard to understand responses. So here are my questions
1. Has anyone had their employer deposit money in their account at Alliant via check. Unfortunately my company will not direct deposit and will only mail a check. Alliant said something about treating it as an after tax deposit but were pretty unclear.
2. What forms do banks use to report contributions to the IRS? Do they report if its pre or post tax? Does it matter?
If anyone has any guidance I would really appreciate it.
I can't speak for the HSA department at Alliant and will base my answers to my account at Adirondack. My employer sends a EFT deposit directly to Adirondack. This is for my personal contribution money only. Adirondack fills out a deposit slip for the amount deposited and posts it to my account statement. So no paper check is involved. The insurance company contribution still goes to Chase bank (the insurance company custodian bank). The insurance company has no provisions to send their contribution to another bank than Chase. I would have to do direct transfers or rollovers to move the money out of Chase. Whether your contributions are treated pretax or posttax depends on your payroll department. The HSA custodian bank has no idea whatsoever about the tax treatment of the contributions from your payroll department. The HSA money contributed by your payroll department will be reported on your W-2 if they were pretax. In my case, posttax money sent by my payroll office to the HSA could also occur if the contribution was not treated as a HSA contribution such as a generic savings account deposit. So my payroll department can treat the money both ways. Your personal contributions to the HSA custodian bank will be reported on Form 5498-SA which you will get at the end of the year.
Custodian banks file Form 5498-SA to report contributions made to HSAs from all sources - you and your employer, if applicable. The form does not indicate if the contributions were pretax or posttax. YOU have to determine that. The amount reported on Form W-2 will likely be pretax since it normally includes money taken out directly by your payroll department without being taxed for federal and state income taxes (and also FICA and Medicare taxes). Only the amount determined to be post tax can be deducted on the first page of Form 1040 (which is derived from Form 8889 which takes information from Forms W-2, 5498-SA, and 1099-SA, if applicable). If you live in a state that does not allow HSA deductions, then it gets a bit messier when you do the state return.
Fedguy thanks for your reply you really rock this thread.
I'm glad my company agreed to deposit my contribution and their contribution wherever I want. Based on Form 5498-SA it looks like its up to my company to declare it pre tax and Alliant has nothing to do with it. Again thanks for all your help.
Simple question (I hope) I have my HSA with Optum Health Bank, just started it for the first time. I have my account number and received the debit card. I got my first paycheck and I don't see any payroll deduction and my balance is $0, even though my employer says they contribute I think 500 or 700 dollars to it. Does it start on the 2nd pay check?
honghong322 said: Simple question (I hope) I have my HSA with Optum Health Bank, just started it for the first time. I have my account number and received the debit card. I got my first paycheck and I don't see any payroll deduction and my balance is $0, even though my employer says they contribute I think 500 or 700 dollars to it. Does it start on the 2nd pay check?
honghong322 said: Simple question (I hope) I have my HSA with Optum Health Bank, just started it for the first time. I have my account number and received the debit card. I got my first paycheck and I don't see any payroll deduction and my balance is $0, even though my employer says they contribute I think 500 or 700 dollars to it. Does it start on the 2nd pay check?
Hi, this is your employer speaking. Please contact your HR Benefits Administrator.
I owe about $1,000 federal taxes. However, I can make a 2011 after tax contribution to my HSA of $2000 and the amount I owe drops to about $400. SO in theory if I had $2000 in medical receipts I could contribute the $2000, saving $700 in taxes, and then immediately reimburse myself the full $2000? This is my first year with a HSA so this is just another nice surprise I guess; Wish I started one years ago.
89transam said: Seems crazy but I have this situation.
I owe about $1,000 federal taxes. However, I can make a 2011 after tax contribution to my HSA of $2000 and the amount I owe drops to about $400. SO in theory if I had $2000 in medical receipts I could contribute the $2000, saving $700 in taxes, and then immediately reimburse myself the full $2000? This is my first year with a HSA so this is just another nice surprise I guess; Wish I started one years ago.
Essentially, yes. I have read that it's really best to reimburse yourself for the exact amount of each transaction, which I personally take to mean separately. Call me paranoid, but I literally send myself separate bill-pay reimbursement checks from my HSA for a $46.61 CVS prescription charge (a check for $46.61 to myself) and a $76.76 doctor visit (a check for $76.76) rather than combine it into a single $123.37 check.
The HSA will have had to have been established prior to the medical charges occurring, also based on what I understand.
My wife and I are going to be starting in a HDHP on March 1. I know the maximum you can contribute to the HSA for a family is $6250 this year. Since we aren't starting until March 1 does that amount get prorated or can we contribute the full 6250 between us? Thanks
tennisguy82 said: My wife and I are going to be starting in a HDHP on March 1. I know the maximum you can contribute to the HSA for a family is $6250 this year. Since we aren't starting until March 1 does that amount get prorated or can we contribute the full 6250 between us? Thanks
Contributions for Partial Year Coverage A 2006 change in the HSA law allows individuals whose HDHP coverage begins part of the way into the year to make the full annual contribution amount for their first year of HSA eligibility. This change in the law was intended to help people fully fund their HSA accounts, especially since many insurance plans apply the full year deductible amount even though coverage might be in effect less than 12 full months. To take advantage of this rule, the individual’s HDHP coverage must take effect any time after January 1 but no later than December 1. Normally, less than full-year HDHP coverage would require the individual to pro-rate their HSA contribution for the year based on the number of months they had HDHP coverage. However, to avoid having to pay back any of the “extra” contribution amount, the individual must remain covered by an HDHP through December 31 of the following calendar year. If the individual does not remain covered by HDHP during this “testing period,” the extra amount (i.e., the difference between the amount actually contributed and the pro-rated amount that would have been allowed) must be included in the individual’s income and will be subject to a 10 percent additional tax. If you are unsure or know that you’re not going to keep your HDHP coverage through December 31of the following year, you may be better off prorating your contributions for your first year of HSA eligibility.
Normally, your contribution limit is prorated. However, there is a special safe harbor for a full years contribution. If you have an HSA on December 1st of this year AND you continue to have one for all (1/1-12/31), you can contribute the full years limit.
If you don't have one for all of next year you would have to pay a penalty on Jan/Feb contributions.
honghong322 said: Simple question (I hope) I have my HSA with Optum Health Bank, just started it for the first time. I have my account number and received the debit card. I got my first paycheck and I don't see any payroll deduction and my balance is $0, even though my employer says they contribute I think 500 or 700 dollars to it. Does it start on the 2nd pay check?
Your contribution is separate from your employer's contribution. Your employer's part is not reflected on your payroll statement because that money is NOT coming from your pay. You need to have automatic debit from your payroll account to Optum Health Bank arranged through your payroll office. If you signed up for it and your statement shows nothing, talk to someone at the HSA department of your payroll office about it. The employer's contribution normally goes direct to the HSA custodian bank with no impact to your payroll statement. They usually divide the total amount by monthly contributions. You need to monitor your HSA statement throughout the year to be sure that the money is, in fact, being added to it by the employer. As for the money that you arrange to add to the HSA account, when that begins depends on when the payroll department processes your request and implements it to your payroll profile. If they are fast in processing, you should see it on the next paycheck. If they are slow, then it will be whenever the payroll department gets to it.
89transam said: Seems crazy but I have this situation.
I owe about $1,000 federal taxes. However, I can make a 2011 after tax contribution to my HSA of $2000 and the amount I owe drops to about $400. SO in theory if I had $2000 in medical receipts I could contribute the $2000, saving $700 in taxes, and then immediately reimburse myself the full $2000? This is my first year with a HSA so this is just another nice surprise I guess; Wish I started one years ago.
Not crazy at all. I have several thousand dollars in medical invoices from last year. Without the tax benefits of the HSA/FSA programs, I would have to pay Federal and State income taxes on that money spent for medical services.
Your drop in the total tax due means that you are in the 30% marginal tax bracket. Otherwise, that $2000 gets taxed at 30% on the Federal side. This is nice if you had to spend the money on medical expenses. If you did not, then obviously just paying the extra money in income taxes and keeping the remaining portion for yourself would be better.
fedguy said: honghong322 said: Simple question (I hope) I have my HSA with Optum Health Bank, just started it for the first time. I have my account number and received the debit card. I got my first paycheck and I don't see any payroll deduction and my balance is $0, even though my employer says they contribute I think 500 or 700 dollars to it. Does it start on the 2nd pay check?
Your contribution is separate from your employer's contribution. Your employer's part is not reflected on your payroll statement because that money is NOT coming from your pay. You need to have automatic debit from your payroll account to Optum Health Bank arranged through your payroll office. If you signed up for it and your statement shows nothing, talk to someone at the HSA department of your payroll office about it. The employer's contribution normally goes direct to the HSA custodian bank with no impact to your payroll statement. They usually divide the total amount by monthly contributions. You need to monitor your HSA statement throughout the year to be sure that the money is, in fact, being added to it by the employer. As for the money that you arrange to add to the HSA account, when that begins depends on when the payroll department processes your request and implements it to your payroll profile. If they are fast in processing, you should see it on the next paycheck. If they are slow, then it will be whenever the payroll department gets to it.
Contaced HR Benefits, they're investigating why there are no contributions from me and from the employer. Lets hope there wasn't a ball dropped somewhere.
honghong322 said: fedguy said: honghong322 said: Simple question (I hope) I have my HSA with Optum Health Bank, just started it for the first time. I have my account number and received the debit card. I got my first paycheck and I don't see any payroll deduction and my balance is $0, even though my employer says they contribute I think 500 or 700 dollars to it. Does it start on the 2nd pay check?
Your contribution is separate from your employer's contribution. Your employer's part is not reflected on your payroll statement because that money is NOT coming from your pay. You need to have automatic debit from your payroll account to Optum Health Bank arranged through your payroll office. If you signed up for it and your statement shows nothing, talk to someone at the HSA department of your payroll office about it. The employer's contribution normally goes direct to the HSA custodian bank with no impact to your payroll statement. They usually divide the total amount by monthly contributions. You need to monitor your HSA statement throughout the year to be sure that the money is, in fact, being added to it by the employer. As for the money that you arrange to add to the HSA account, when that begins depends on when the payroll department processes your request and implements it to your payroll profile. If they are fast in processing, you should see it on the next paycheck. If they are slow, then it will be whenever the payroll department gets to it.
Contaced HR Benefits, they're investigating why there are no contributions from me and from the employer. Lets hope there wasn't a ball dropped somewhere.
For my particular case, the employer portion does not get posted until around the 20th of each month. When I enrolled for the direct deduction from my pay, the website tells me which pay period that it will begin. Then I check that pay statement for that pay period to see if was established. Normally, the HSA deducted amount from my pay shows up at the HSA custodian bank account at the same time as my regular pay on the direct deposit account.
I'm looking for some guidance and though I admit that I have not read all 40+ pages of this thread, I have read many of them. I am looking to reduce our insurance costs because I feel they are getting way out of hand. We are at $770/mo for family coverage on the individual market in Washington state (Regence Evolve Plus) and it seems to cover next to nothing. So we're looking at HSA plans. We have to buy individual coverage because my spouse is employed across the border in Canada. Thus all our income is foreign. We don't usually end up paying income tax to the US because our foreign tax credits offset any taxes owing. We are generally healthy but we do have two little kids with the unknowns associated with little ones. 1. Is there any advantage to going with an HSA? 2. Should we just opt for any high deductible plan? 3. Is Alliant still a good option for opening an account? I don't know that I'm looking for brokerage services at this time. 4. Is the Washington state pool still an option?
I'm looking for some guidance and though I admit that I have not read all 40+ pages of this thread, I have read many of them. I am looking to reduce our insurance costs because I feel they are getting way out of hand. We are at $770/mo for family coverage on the individual market in Washington state (Regence Evolve Plus) and it seems to cover next to nothing. So we're looking at HSA plans. We have to buy individual coverage because my spouse is employed across the border in Canada. Thus all our income is foreign. We don't usually end up paying income tax to the US because our foreign tax credits offset any taxes owing. We are generally healthy but we do have two little kids with the unknowns associated with little ones. 1. Is there any advantage to going with an HSA? 2. Should we just opt for any high deductible plan? 3. Is Alliant still a good option for opening an account? I don't know that I'm looking for brokerage services at this time. 4. Is the Washington state pool still an option?
Thanks so much for any help you can offer.
First off, I am not an international tax attorney nor an international tax accountant, but this is my understanding of the issues:
1. Short answer - yes. A - The U.S. tax credits which you would earn from contributing to an HSA are refundable if you have no U.S. liability. You would be paid out from the U.S. government in your tax return. B - The Canadian government does not recognize HSA accounts (or IRA accounts for that matter) as valid tax shelters. If one of you does not have a substantial presence in the country (present less than 180 days per year) in Canada then the account should be titled in that person's name so that you are avoiding Canadian tax liability for the earnings in your account (capital gains or interest realized while maintaining a substantial canadian presence). From your post it indicated that you currently have a Canadian tax liability and not U.S - therefore you would not want to increase your Canadian tax liability at the cost of your U.S. liability.
2. No. Do some due diligence in selecting your insurer. Note that unless you are in the state pooled plan you will face the risk of recission if you get sick in a costly manner. The insurance company will comb through your application with a fine-toothed comb and if they find any error or omission they will refund your premiums leaving you without health insurance coverage. Note that this will only happen if run up a large enough bill - just because it has not happened to you yet does not mean that it will not in the future.
3. Alliant is a quality credit union. I maintain a checking account there for scan and deposit of checks. They also have shared branch banking with other credit unions across the country - its likely you can conduct the majority of your Alliant buisiness with a local credit union setup for shared branch banking. You will need to join the local or national PTA to join.
4. Yes the Washington state pool is an option. Quote: "The Washington State Health Insurance Pool offers individual health insurance to state residents who can't get coverage due to medical reasons... ...Premiums for WSHIP coverage are higher than commercial health plans. However, WSHIP offers some high-deductible plan options with lower premiums."
Thank you so much efficacyman for the great responses. 1. A refundable tax credit sounds like an excellent reason to further consider an HSA. We may or may not have one of us considered as tax resident of Canada (it's in dispute right now) but the taxes due are a good point. 2. We'd probably just stick stick with a Regence HSA being the evil we know and we wouldn't have to worry about not being able to see any of our current doctors. 3. Although I've been a member of a credit union for years I'm not familiar with shared branch banking. Could you tell me a bit more about how that might work? 4. Sounds like the Washington state pool would be too expensive for us. 5. If we change our plan to an HSA effective Feb. 1 2012, could we contribute the limit (approx. $6,000 for 2011 and 2012)? Unlikely I know.
Not sure if anyone knows the answer to this but thought it was worth asking here anyway. My employer is little. We do not have a 125 plan. Several of us elected have money pulled out of our paycheck and put into our HSA. The HR person counted the money as tax exempt and put it all in box 12 of our W2. I originally thought this was correct but the more I read I believe this may be wrong since we do not have a 125 plan. Since the company does not have a 125 plan the employee elected amount must be taxed and then deducted later as an after tax contribution. Is this correct? If so that really sucks!
Hi folks, looking for the best HSA custodian (no monthly fees, decent / high interest rates, don't lock in your money unreasonably). Skimmed the last several pages of this thread and the first (very informative) post. Before I start double-checking the web sites of the custodians on the first post for their latest interest rates / fees, I was wondering if there is a current consensus on who the "best" HSA custodians are as of 2012?
I am looking too just switched to a HSA plan and it all seems a bit confusing, basically looking for something with high interest and no fees or no fees if you maintain a balance. Would appreciate any advice. Thanks
uscfsmitty said: Not sure if anyone knows the answer to this but thought it was worth asking here anyway. My employer is little. We do not have a 125 plan. Several of us elected have money pulled out of our paycheck and put into our HSA. The HR person counted the money as tax exempt and put it all in box 12 of our W2. I originally thought this was correct but the more I read I believe this may be wrong since we do not have a 125 plan. Since the company does not have a 125 plan the employee elected amount must be taxed and then deducted later as an after tax contribution. Is this correct? If so that really sucks! You are referring to Cafeteria 125 plans that allow employees to direct part of their pay to a HSA account tax free. The employer's payroll office does not take out the Federal and State income (as well as FICA and Medicare) taxes for the amount that you designate to go to the HSA. Any amounts taken out of your paycheck tax free will show up in Box 12W on the W2 that you get at the end of the year. The 125 plan, as I know it, applies to any situation where HSA contributions are treated pre-tax by the payroll office. In other words, you cannot arrange for pre-tax contributions from your own money sources (via direct contributions outside of payroll). The employer could also send money to the HSA out of your paycheck as a post-tax transaction which can be deducted on your income tax return (this amount will NOT be included in Box 12W of W2). The best way to determine if any income tax was withheld or not for the HSA contributions is to look at two pay stubs. One where no HSA contribution was made and one where it began. If the Federal and State withheld amounts (as well as the FICA/Medicare taxes) are exactly the same between the two stubs, then your contribution was post-tax (not reported on W2). If it actually dropped, then it was pre-tax (reported on W2).
Edit - If you were taxed on the HSA contributions when you did not expect them to, you will have to work it out with the payroll office. If the amount shown on the Box 12-W is not correct, you should request that an amended W-2 be issued for you. Otherwise, that reported amount will be compared to your Form 8889 that you file and if they don't match (to compute how much you can deduct from your return), you could receive an adjustment notice later.
Alliant vs. ATC in my view depends on amount you have in HSA.
Alliant pays 1.75% no fees vs. ATC pays 3% + $24/year fee (2$/month with e-statement)
If you do not take in consideration cost of account setup then breakeven point between 2 will be $1920. So below this amount Alliant is better, above - ATC is better.
For the first year breakeven point is $3120 (includes $25 ATC enrollment fee vs. $10 donation to become Alliant member)
mikeg1 said: 89transam said: Seems crazy but I have this situation.
I owe about $1,000 federal taxes. However, I can make a 2011 after tax contribution to my HSA of $2000 and the amount I owe drops to about $400. SO in theory if I had $2000 in medical receipts I could contribute the $2000, saving $700 in taxes, and then immediately reimburse myself the full $2000? This is my first year with a HSA so this is just another nice surprise I guess; Wish I started one years ago.
Essentially, yes. I have read that it's really best to reimburse yourself for the exact amount of each transaction, which I personally take to mean separately. Call me paranoid, but I literally send myself separate bill-pay reimbursement checks from my HSA for a $46.61 CVS prescription charge (a check for $46.61 to myself) and a $76.76 doctor visit (a check for $76.76) rather than combine it into a single $123.37 check.
The HSA will have had to have been established prior to the medical charges occurring, also based on what I understand.
-mike
I do the same. In case I ever get audited, it will ensure that DW and I can point to each qualified expense and reimbursement.
Who did you end up going with I am still trying to find an HSA. I looked at a bunch of credit unions but I didn't qualify for membership. The HSA I am finding have low interest rates and fees. Thanks
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