{"id":15697,"date":"2025-10-01T22:20:57","date_gmt":"2025-10-01T22:20:57","guid":{"rendered":"https:\/\/medbox.com\/?p=15697"},"modified":"2025-10-01T22:21:00","modified_gmt":"2025-10-01T22:21:00","slug":"how-do-health-savings-accounts-work-a-guide-for-seniors","status":"publish","type":"post","link":"https:\/\/medbox.com\/zh\/how-do-health-savings-accounts-work-a-guide-for-seniors\/","title":{"rendered":"\u5065\u5eb7\u50a8\u84c4\u8d26\u6237\u5982\u4f55\u8fd0\u4f5c\uff1f\u8001\u5e74\u4eba\u6307\u5357"},"content":{"rendered":"<p>\u5bf9\u5927\u591a\u6570\u4eba\u6765\u8bf4\uff0c\u5065\u5eb7\u50a8\u84c4\u8d26\u6237 (HSA) \u53ea\u662f\u4e00\u4e2a\u7528\u4e8e\u533b\u7597\u8d39\u7528\uff08\u4f8b\u5982\u5c31\u8bca\u6216\u5904\u65b9\u836f\uff09\u7684\u50a8\u84c4\u8d26\u6237\u3002\u4f46\u60a8\u662f\u5426\u77e5\u9053\uff0c\u5b83\u8fd8\u62e5\u6709\u53ef\u4ee5\u8bf4\u662f\u6240\u6709\u8d26\u6237\u7c7b\u578b\u4e2d\u6700\u4f73\u7684\u7a0e\u6536\u4f18\u60e0\uff1f\u8fd9\u201c\u4e09\u91cd\u7a0e\u6536\u4f18\u60e0\u201d\u53ef\u4ee5\u4e3a\u60a8\u7684\u8d22\u52a1\u5e26\u6765\u5de8\u5927\u7684\u6536\u76ca\u3002<\/p>\n\n\n<section\n        class=\"section-cta gutenberg-block  is-round\" \n        style=\"background-color: #e8f2ee;        --cta-padding-top-desktop: 47px;        --cta-padding-top-tablet: 47px;        --cta-padding-top-mobile: 30px;        --cta-padding-bottom-desktop: 47px;        --cta-padding-bottom-tablet: 47px;        --cta-padding-bottom-mobile: 30px;        --cta-padding-sides-desktop: 20px;        --cta-padding-sides-tablet: 20px;        --cta-padding-sides-mobile: 20px;\">\n    <div class=\"sk-container section-cta__container\">\n        <div class=\"section-cta__wrapper sm\">\n                            <div class=\"section-cta__body is-layout-sm\">\n                                            <h2 class=\"section-cta__title sk-text--h4\">\u6211\u4eec\u7684\u836f\u623f\u9884\u5148\u5206\u7c7b\u5e76\u5305\u88c5\u60a8\u7684\u836f\u4e38<\/h2>\n                                                        <\/div>\n                        \n                                        <a href=\"https:\/\/medbox.com\/zh\/how-it-works\/\" class=\"section-cta__btn sk-btn sk-btn--primary\" target=\"_self\"\n    \n     title=\"\u4e86\u89e3\u66f4\u591a\" >\n\n          <span class=\"wrapp-title-link\">\u4e86\u89e3\u66f4\u591a<\/span>\n    \n    \n    \n      <\/a>\n\n                    <\/div>\n    <\/div>\n    <\/section>\n\n\n\n<p>\u4f7f\u7528 HSA\uff0c\u60a8\u53ef\u4ee5\u514d\u7a0e\u5b58\u5165\u8d44\u91d1\uff0c\u514d\u7a0e\u589e\u503c\u8d44\u91d1\uff0c\u5e76\u514d\u7a0e\u63d0\u53d6\u8d44\u91d1\u7528\u4e8e\u7b26\u5408\u6761\u4ef6\u7684\u533b\u7597\u8d39\u7528\u3002\u6362\u53e5\u8bdd\u8bf4\uff0c\u53ea\u8981\u60a8\u9075\u5b88\u8d26\u6237\u89c4\u5219\uff0c\u5b58\u5165\u8d44\u91d1\u3001\u8d44\u672c\u6536\u76ca\u548c\u63d0\u53d6\u8d44\u91d1\u5747\u514d\u7a0e\u3002<\/p>\n\n\n\n<p>HSA \u662f\u8001\u5e74\u4eba\u7684\u7406\u60f3\u7406\u8d22\u5de5\u5177\uff0c\u4e0d\u4ec5\u53ef\u4ee5\u7528\u4e8e\u533b\u7597\u8d39\u7528\uff0c\u8fd8\u53ef\u4ee5\u4f5c\u4e3a\u7075\u6d3b\u7684\u9000\u4f11\u50a8\u84c4\u5de5\u5177\u3002\u56e0\u6b64<strong> <\/strong>\u5065\u5eb7\u50a8\u84c4\u8d26\u6237 (HSA) \u5982\u4f55\u8fd0\u4f5c\uff1f\u60a8\u8fd8\u9700\u8981\u4e86\u89e3\u54ea\u4e9b\u4fe1\u606f\uff1f\u4e0b\u9762\u6211\u4eec\u5c06\u4ecb\u7ecd HSA \u8d26\u6237\u7684\u8fd0\u4f5c\u65b9\u5f0f\u4ee5\u53ca\u8001\u5e74\u4eba\u5982\u4f55\u5229\u7528\u5b83\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u4ec0\u4e48\u662f\u5065\u5eb7\u50a8\u84c4\u8d26\u6237\uff1f<\/h2>\n\n\n\n<p>\u5065\u5eb7\u50a8\u84c4\u8d26\u6237 (HSA) \u662f\u4e00\u79cd\u50a8\u84c4\u548c\u6295\u8d44\u8d26\u6237\uff0c\u65e8\u5728\u5e2e\u52a9\u60a8\u9884\u7559\u8d44\u91d1\u4ee5\u5e94\u5bf9\u672a\u6765\u7684\u533b\u7597\u8d39\u7528\u3002\u5b83\u63d0\u4f9b\u7279\u6b8a\u7684\u7a0e\u6536\u4f18\u60e0\uff0c\u60a8\u65e0\u9700\u7b49\u5230\u9000\u4f11\u5373\u53ef\u514d\u7a0e\u63d0\u53d6\u3002<\/p>\n\n\n\n<p>\u5408\u683c\u7684\u6350\u6b3e\u4e0d\u5f81\u7a0e\uff0c\u50a8\u84c4\u8d26\u6237\u5229\u606f\u548c\u6295\u8d44\u56de\u62a5\u514d\u7a0e\uff0c\u7528\u4e8e\u5408\u683c\u533b\u7597\u8d39\u7528\u7684\u63d0\u6b3e\u4e5f\u514d\u7a0e\uff0c\u5176\u4e2d\u53ef\u80fd\u5305\u62ec\u770b\u533b\u751f\u3001\u5904\u65b9\u3001\u7259\u79d1\u62a4\u7406\u3001\u89c6\u529b\u6cbb\u7597\u548c\u5176\u4ed6\u5408\u683c\u8d39\u7528\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5065\u5eb7\u50a8\u84c4\u8d26\u6237\u5982\u4f55\u8fd0\u4f5c\uff1f<\/h2>\n\n\n\n<p>\u5065\u5eb7\u50a8\u84c4\u8d26\u6237\u4ec5\u9002\u7528\u4e8e\u53c2\u52a0 <a href=\"https:\/\/www.aetna.com\/individuals-families\/health-insurance-through-work\/hdhp.html\">\u9ad8\u514d\u8d54\u989d\u5065\u5eb7\u8ba1\u5212<\/a> \uff08\u9ad8\u989d\u5065\u5eb7\u4fdd\u9669\u8ba1\u5212 (HDHP)\uff09\u3002\u8d2d\u4e70\u9ad8\u989d\u5065\u5eb7\u4fdd\u9669\u8ba1\u5212 (HDHP) \u540e\uff0c\u60a8\u7684\u4fdd\u9669\u5f00\u59cb\u627f\u4fdd\u7b26\u5408\u6761\u4ef6\u7684\u8d39\u7528\u4e4b\u524d\uff0c\u60a8\u9700\u8981\u652f\u4ed8\u66f4\u9ad8\u7684\u81ea\u4ed8\u989d\u548c\u81ea\u4ed8\u8d39\u7528\u3002\u60a8\u7684\u5065\u5eb7\u50a8\u84c4\u8d26\u6237 (HSA) \u53ef\u4ee5\u5e2e\u52a9\u60a8\u652f\u4ed8\u81ea\u4ed8\u533b\u7597\u8d39\u7528\uff0c\u4f8b\u5982\u81ea\u4ed8\u989d\u3001\u5171\u4ed8\u989d\u3001\u5904\u65b9\u8d39\u548c\u5176\u4ed6\u7b26\u5408\u6761\u4ef6\u7684\u8d39\u7528\u3002<\/p>\n\n\n\n<p>\u7f8e\u56fd\u56fd\u7a0e\u5c40 (IRS) \u6bcf\u5e74\u90fd\u4f1a\u9650\u5236\u4f9b\u6b3e\u989d\uff0c\u96c7\u4e3b\u7684\u4f9b\u6b3e\u5c06\u8ba1\u5165\u60a8\u7684\u9650\u989d\u3002HSA \u53ef\u4ee5\u9010\u5e74\u7ed3\u8f6c\u4f59\u989d\uff0c\u5373\u4f7f\u60a8\u66f4\u6362\u96c7\u4e3b\u6216\u9000\u4f11\uff0c\u8d26\u6237\u4f59\u989d\u4ecd\u4f1a\u4fdd\u7559\u3002\u5bb6\u5ead\u7684\u4f9b\u6b3e\u9650\u989d\u9ad8\u4e8e\u4e2a\u4eba\u3002<\/p>\n\n\n\n<p>\u6709\u4e9b\u8d26\u6237\u5141\u8bb8\u4f60\u5728 HSA \u4f59\u989d\u8fbe\u5230\u4e00\u5b9a\u95e8\u69db\u540e\u8fdb\u884c\u6295\u8d44\uff0c\u8fd9\u53ef\u4ee5\u5e2e\u52a9 <a href=\"https:\/\/medbox.com\/zh\/tips-for-building-retirement-savings\/\">\u5efa\u7acb\u4f60\u7684\u9000\u4f11\u50a8\u84c4<\/a> \u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\u3002\u867d\u7136\u60a8\u5728\u6ce8\u518c Medicare \u540e\u65e0\u6cd5\u5411 HSA \u4f9b\u6b3e\uff0c\u4f46\u60a8\u50a8\u84c4\u7684\u8d44\u91d1\u53ef\u7528\u4e8e\u652f\u4ed8\u9000\u4f11\u540e\u7684\u533b\u7597\u8d39\u7528\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u8c01\u6709\u8d44\u683c\u5f00\u8bbe\u5065\u5eb7\u50a8\u84c4\u8d26\u6237\uff1f<\/h2>\n\n\n\n<p>\u5e76\u975e\u6bcf\u4e2a\u4eba\u90fd\u53ef\u4ee5\u5f00\u8bbe\u6216\u5411 HSA \u8d26\u6237\u4f9b\u6b3e\u3002\u7f8e\u56fd\u56fd\u7a0e\u5c40 (IRS) \u6709\u76f8\u5173\u89c4\u5b9a\uff0c\u60a8\u5fc5\u987b\u6ee1\u8db3\u6240\u6709\u89c4\u5b9a\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u53d7 HDHP \u4fdd\u969c<\/strong>\uff1a\u60a8\u9700\u8981\u62e5\u6709\u7b26\u5408 HSA \u8d44\u683c\u7684\u9ad8\u514d\u8d54\u989d\u5065\u5eb7\u4fdd\u9669\u8ba1\u5212\u3002\u4e0e\u5176\u4ed6\u4f20\u7edf\u5065\u5eb7\u4fdd\u9669\u8ba1\u5212\u76f8\u6bd4\uff0c\u9ad8\u514d\u8d54\u989d\u5065\u5eb7\u4fdd\u9669\u8ba1\u5212 (HDHP) \u7684\u514d\u8d54\u989d\u8f83\u9ad8\uff0c\u4e14\u6bcf\u6708\u4fdd\u8d39\u8f83\u4f4e\u3002<\/li>\n\n\n\n<li><strong>\u65e0\u5176\u4ed6\u53d6\u6d88\u8d44\u683c\u7684\u4fdd\u9669<\/strong>\uff1a\u60a8\u65e0\u6cd5\u62e5\u6709\u989d\u5916\u7684\u4e3b\u8981\u5065\u5eb7\u4fdd\u9669\u3002\u867d\u7136\u5b58\u5728\u5c11\u6570\u4f8b\u5916\uff0c\u4f46\u5927\u591a\u6570\u60c5\u51b5\u4e0b\uff0c\u53ea\u6709\u60a8\u62e5\u6709\u4e00\u4efd HDHP \u4fdd\u9669\u5355\u624d\u6709\u6548\u3002<\/li>\n\n\n\n<li><strong>\u672a\u53c2\u52a0 Medicare<\/strong>\uff1a\u52a0\u5165 Medicare \u540e\uff0c\u60a8\u53ef\u4ee5\u7ee7\u7eed\u4f7f\u7528\u60a8\u7684 HSA \u50a8\u84c4\uff0c\u4f46\u4e0d\u80fd\u518d\u5411\u5176\u4e2d\u4f9b\u6b3e\u3002<\/li>\n\n\n\n<li><strong>\u672a\u88ab\u7533\u62a5\u4e3a\u53d7\u629a\u517b\u4eba<\/strong>\uff1a\u5373\u4f7f\u60a8\u6ee1\u8db3\u6240\u6709\u5176\u4ed6\u8981\u6c42\uff0c\u60a8\u4e5f\u4e0d\u80fd\u5728\u522b\u4eba\u7684\u7eb3\u7a0e\u7533\u62a5\u5355\u4e0a\u88ab\u7533\u62a5\u4e3a\u53d7\u629a\u517b\u4eba\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">HSA \u4f9b\u6b3e\u9650\u989d<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full\">\n\n                                \n    \n  <picture>\n    <source type=\"image\/webp\" sizes=\"100vw\" srcset=\"https:\/\/medbox.com\/wp-content\/uploads\/2025\/10\/finances-100x0-c-default.webp 100w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/10\/finances-200x0-c-default.webp 200w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/10\/finances-400x0-c-default.webp 400w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/10\/finances.webp 420w\">\n    <source type=\"image\/jpeg\" sizes=\"100vw\" srcset=\"https:\/\/medbox.com\/wp-content\/uploads\/2025\/10\/finances-100x0-c-default.jpg 100w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/10\/finances-200x0-c-default.jpg 200w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/10\/finances-400x0-c-default.jpg 400w, https:\/\/medbox.com\/wp-content\/uploads\/2025\/10\/finances.jpg 420w\">\n    <img class=\"\" width=\"420\" height=\"280\" alt=\"finances\" src=\"https:\/\/medbox.com\/wp-content\/uploads\/2025\/10\/finances.jpg\" loading=\"lazy\">\n  <\/picture>\n\n<\/figure>\n<\/div>\n\n\n<p>\u7f8e\u56fd\u56fd\u7a0e\u5c40 (IRS) \u89c4\u5b9a\u4e86\u60a8\u6bcf\u5e74\u53ef\u4ee5\u5411 HSA \u8d26\u6237\u5b58\u5165\u7684\u91d1\u989d\u4e0a\u9650\uff0c\u5e76\u4e14\u8be5\u4e0a\u9650\u6bcf\u5e74\u90fd\u4f1a\u53d8\u5316\u3002\u4ee5\u4e0b\u662f\u60a8\u5728 2025 \u5e74\u53ef\u4ee5\u5411 HSA \u8d26\u6237\u5b58\u5165\u7684\u91d1\u989d\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e2a\u4eba HDHP \u4fdd\u969c\uff1a\u6700\u9ad8\u7f34\u8d39 $4,300<\/li>\n\n\n\n<li>\u5bb6\u5ead HDHP \u4fdd\u969c\uff1a\u6700\u9ad8\u7f34\u8d39 $8,550<\/li>\n<\/ul>\n\n\n\n<p>\u5bf9\u4e8e\u672a\u6765\u51e0\u5e74\uff0c\u60a8\u53ef\u4ee5\u968f\u65f6\u5728 IRS \u5b98\u65b9\u7f51\u7ad9\u4e0a\u786e\u8ba4\u9650\u989d\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u8865\u7f34<\/h3>\n\n\n\n<p>\u5982\u679c\u60a8\u5e74\u6ee1 55 \u5c81\u4e14\u672a\u53d7 Medicare \u7684\u4fdd\u969c\uff0c\u60a8\u53ef\u4ee5\u5728\u6807\u51c6\u9650\u989d\u4e4b\u5916\u989d\u5916\u7f34\u7eb3 $1,000\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5065\u5eb7\u50a8\u84c4\u8d26\u6237\u7684\u5229\u4e0e\u5f0a<\/h2>\n\n\n\n<p>\u4e0e\u6240\u6709\u91d1\u878d\u4ea7\u54c1\u4e00\u6837\uff0cHSA \u4e5f\u6709\u5176\u4f18\u70b9\u548c\u7f3a\u70b9\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4f18\u70b9<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u4e09\u91cd\u7a0e\u6536\u4f18\u60e0<\/strong>\uff1aHSA \u7684\u7f34\u6b3e\u53ef\u4ee5\u514d\u7a0e\uff0c\u60a8\u7684\u4f59\u989d\u53ef\u4ee5\u514d\u7a0e\u589e\u957f\uff0c\u5e76\u4e14\u5f53\u60a8\u63d0\u53d6\u8d44\u91d1\u7528\u4e8e\u7b26\u5408\u6761\u4ef6\u7684\u533b\u7597\u8d39\u7528\u65f6\uff0c\u60a8\u65e0\u9700\u4e3a\u63d0\u6b3e\u7f34\u7a0e\u3002<\/li>\n\n\n\n<li><strong>\u5c55\u671f\u798f\u5229<\/strong>\uff1a\u4e0e\u201c\u7528\u5b8c\u5373\u6b62\u201d\u7684\u7075\u6d3b\u652f\u51fa\u8d26\u6237 (FSA) \u4e0d\u540c\uff0cHSA \u6ca1\u6709\u6b64\u7c7b\u9650\u5236\u3002\u60a8\u7684\u8d44\u91d1\u6c38\u8fdc\u4e0d\u4f1a\u8fc7\u671f\u3002\u4e0e\u666e\u901a\u94f6\u884c\u6216\u6295\u8d44\u8d26\u6237\u4e00\u6837\uff0c\u4f59\u989d\u53ef\u4ee5\u9010\u5e74\u589e\u957f\u3002<\/li>\n\n\n\n<li><strong>\u7075\u6d3b\u6027<\/strong>\uff1aHSA \u53ef\u4ee5\u652f\u4ed8\u5404\u79cd\u533b\u7597\u8d39\u7528\uff0c\u5305\u62ec\u5c31\u8bca\u3001\u5904\u65b9\u3001\u7259\u79d1\u548c\u89c6\u529b\u4fdd\u5065\u7b49\u7b49\u3002\u4ece 65 \u5c81\u5f00\u59cb\uff0c\u8fd9\u4e9b\u8d44\u91d1\u751a\u81f3\u53ef\u4ee5\u7528\u4e8e\u975e\u533b\u7597\u8d39\u7528\uff0c\u4e14\u65e0\u9700\u7f34\u7eb3\u7f5a\u91d1\uff08\u975e\u533b\u7597\u7528\u9014\u7684\u63d0\u6b3e\u9700\u7f34\u7eb3\u5e38\u89c4\u6240\u5f97\u7a0e\uff09\u3002<\/li>\n\n\n\n<li><strong>\u53ef\u79fb\u690d\u6027<\/strong>\uff1a\u5373\u4f7f\u60a8\u6362\u5de5\u4f5c\u3001\u66f4\u6362\u4fdd\u9669\u516c\u53f8\u6216\u9000\u4f11\uff0cHSA \u4ecd\u5f52\u60a8\u6240\u6709\u3002<\/li>\n\n\n\n<li><strong>\u6295\u8d44\u673a\u4f1a<\/strong>\uff1a\u8bb8\u591a HSA \u63d0\u4f9b\u6295\u8d44\u8d26\u6237\u4f59\u989d\u7684\u9009\u9879\uff0c\u4e0e\u50a8\u84c4\u8d26\u6237\u5229\u7387\u76f8\u6bd4\uff0c\u53ef\u80fd\u5e26\u6765\u53ef\u89c2\u7684\u6295\u8d44\u6536\u76ca\u3002<\/li>\n<\/ul>\n\n\n<section\n        class=\"section-cta gutenberg-block  is-round\" \n        style=\"background-color: #e8f2ee;        --cta-padding-top-desktop: 47px;        --cta-padding-top-tablet: 47px;        --cta-padding-top-mobile: 30px;        --cta-padding-bottom-desktop: 47px;        --cta-padding-bottom-tablet: 47px;        --cta-padding-bottom-mobile: 30px;        --cta-padding-sides-desktop: 20px;        --cta-padding-sides-tablet: 20px;        --cta-padding-sides-mobile: 20px;\">\n    <div class=\"sk-container section-cta__container\">\n        <div class=\"section-cta__wrapper sm\">\n                            <div class=\"section-cta__body is-layout-sm\">\n                                            <h2 class=\"section-cta__title sk-text--h4\">Medbox\uff1a\u518d\u4e5f\u4e0d\u7528\u5206\u62e3\u836f\u7269\u4e86<\/h2>\n                                                        <\/div>\n                        \n                                        <a href=\"https:\/\/medbox.com\/zh\/how-it-works\/\" class=\"section-cta__btn sk-btn sk-btn--primary\" target=\"_self\"\n    \n     title=\"\u5f00\u59cb\" >\n\n          <span class=\"wrapp-title-link\">\u5f00\u59cb<\/span>\n    \n    \n    \n      <\/a>\n\n                    <\/div>\n    <\/div>\n    <\/section>\n\n\n\n<h3 class=\"wp-block-heading\">\u7f3a\u70b9<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5fc5\u987b\u53c2\u52a0\u9ad8\u514d\u8d54\u989d\u8ba1\u5212<\/strong>\uff1aHSA \u6301\u6709\u4eba\u5fc5\u987b\u53c2\u52a0\u9ad8\u514d\u8d54\u989d\u5065\u5eb7\u8ba1\u5212 (HDHP)\u3002\u867d\u7136\u8fd9\u53ef\u80fd\u610f\u5473\u7740\u60a8\u7684\u4fdd\u8d39\u66f4\u4f4e\uff0c\u4f46\u4e5f\u610f\u5473\u7740\u5728\u5065\u5eb7\u4fdd\u9669\u5f00\u59cb\u652f\u4ed8\u533b\u7597\u8d39\u7528\u4e4b\u524d\uff0c\u60a8\u9700\u8981\u81ea\u4ed8\u66f4\u591a\u8d39\u7528\u3002<\/li>\n\n\n\n<li><strong>\u5e74\u5ea6\u6350\u6b3e\u9650\u989d<\/strong>\uff1a\u60a8\u6bcf\u5e74\u53ef\u4ee5\u7f34\u7eb3\u7684\u603b\u989d\u662f\u6709\u9650\u7684\uff0c\u5982\u679c\u60a8\u7684\u533b\u7597\u8d39\u7528\u5f88\u9ad8\u5e76\u4e14 HSA \u8d44\u91d1\u7528\u5b8c\u4e86\uff0c\u8fd9\u53ef\u80fd\u662f\u4e00\u4e2a\u6311\u6218\u3002<\/li>\n\n\n\n<li><strong>\u4e0d\u5f97\u53c2\u52a0 Medicare<\/strong>\uff1a\u4e00\u65e6\u60a8\u6ce8\u518c Medicare\uff0c\u60a8\u5c31\u4e0d\u80fd\u518d\u5411\u60a8\u7684 HSA \u4f9b\u6b3e\u3002<\/li>\n\n\n\n<li><strong>\u5fc5\u987b\u4fdd\u7559\u8bb0\u5f55<\/strong>\uff1a\u60a8\u6709\u8d23\u4efb\u4fdd\u7559\u6240\u6709\u7b26\u5408\u6761\u4ef6\u7684\u533b\u7597\u8d39\u7528\u7684\u6536\u636e\u548c\u8bb0\u5f55\uff0c\u4ee5\u9632\u56fd\u7a0e\u5c40\u5bf9\u60a8\u8fdb\u884c\u5ba1\u8ba1\u3002\u60a8\u53ef\u4ee5\u4f7f\u7528\u7c7b\u4f3c <a href=\"http:\/\/hsatracker.org\">HSATracker.org<\/a> \u7ba1\u7406\u6536\u636e\u548c\u62a5\u9500\u3002<\/li>\n\n\n\n<li><strong>\u524d\u671f\u8d39\u7528\u53ef\u80fd\u9020\u6210\u538b\u529b<\/strong>: <a href=\"https:\/\/medbox.com\/zh\/what-seniors-can-do-when-experiencing-financial-hardship\/\">\u9762\u4e34\u7ecf\u6d4e\u56f0\u96be\u7684\u8001\u5e74\u4eba<\/a> \u53ef\u80fd\u4f1a\u53d1\u73b0\uff0c\u5728\u5411 HSA \u7f34\u6b3e\u7684\u540c\u65f6\u8fd8\u8981\u9884\u5148\u652f\u4ed8\u9ad8\u989d\u514d\u8d54\u989d\uff0c\u8fd9\u6709\u70b9\u56f0\u96be\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u5982\u4f55\u5f00\u8bbe\u5065\u5eb7\u50a8\u84c4\u8d26\u6237<\/h2>\n\n\n\n<p>\u5f00\u8bbe HSA \u8d26\u6237\u7684\u8fc7\u7a0b\u4ec5\u6d89\u53ca\u51e0\u4e2a\u7b80\u5355\u7684\u6b65\u9aa4\uff1a<\/p>\n\n\n\n<p><strong>1. \u786e\u8ba4\u8d44\u683c\uff1a<\/strong> \u786e\u4fdd\u60a8\u76ee\u524d\u5df2\u52a0\u5165\u7b26\u5408 HSA \u8d44\u683c\u7684\u9ad8\u514d\u8d54\u989d\u5065\u5eb7\u8ba1\u5212 (HDHP)\u3002\u5982\u679c\u6ca1\u6709 HDHP\uff0c\u60a8\u5c31\u65e0\u6cd5\u5411 HSA \u4f9b\u6b3e\u3002<\/p>\n\n\n\n<p><strong>2. \u9009\u62e9\u63d0\u4f9b\u5546<\/strong>\uff1a\u5927\u591a\u6570\u94f6\u884c\u3001\u4fe1\u7528\u5408\u4f5c\u793e\u3001\u4fdd\u9669\u516c\u53f8\u548c\u6295\u8d44\u516c\u53f8\u90fd\u63d0\u4f9b HSA \u8d26\u6237\u5f00\u6237\u670d\u52a1\u3002\u5728\u505a\u51fa\u9009\u62e9\u4e4b\u524d\uff0c\u8bf7\u52a1\u5fc5\u6bd4\u8f83\u8d39\u7528\u3001\u8d26\u6237\u529f\u80fd\u548c\u6295\u8d44\u9009\u9879\u3002\u5bf9\u4e8e\u96c7\u4e3b\u4f9b\u6b3e\uff0c\u60a8\u53ef\u80fd\u9700\u8981\u4f7f\u7528\u96c7\u4e3b\u6307\u5b9a\u7684\u63d0\u4f9b\u5546\u3002<\/p>\n\n\n\n<p><strong>3. \u586b\u5199\u7533\u8bf7\u8868<\/strong>\uff1a\u60a8\u9700\u8981\u63d0\u4f9b\u4e2a\u4eba\u4fe1\u606f\u3001HDHP \u4fdd\u9669\u8bc1\u660e\u4ee5\u53ca\u653f\u5e9c\u7b7e\u53d1\u7684\u6709\u6548\u8eab\u4efd\u8bc1\u4ef6\u3002\u5927\u591a\u6570 HSA \u63d0\u4f9b\u5546\u4e5f\u5141\u8bb8\u60a8\u5728\u7ebf\u7533\u8bf7\u3002<\/p>\n\n\n\n<p><strong>4. \u4e3a\u60a8\u7684\u8d26\u6237\u6ce8\u8d44<\/strong>\uff1a\u5173\u8054\u60a8\u7684\u652f\u7968\u8d26\u6237\uff0c\u4ee5\u4fbf\u8fdb\u884c\u76f4\u63a5\u8f6c\u8d26\u3002\u5927\u591a\u6570\u63d0\u4f9b\u5546\u4e5f\u63d0\u4f9b\u76f4\u63a5\u5b58\u6b3e\u9009\u9879\u3002<\/p>\n\n\n\n<p><strong>5. \u505a\u51fa\u521d\u59cb\u8d21\u732e<\/strong>\uff1a\u60a8\u53ef\u4ee5\u901a\u8fc7\u5de5\u8d44\u6263\u9664\u3001\u94f6\u884c\u8f6c\u8d26\u6216\u4e2a\u4eba\u652f\u7968\u8fdb\u884c\u9996\u6b21\u7f34\u6b3e\u3002\u60a8\u7684\u7f34\u6b3e\u6700\u9ad8\u53ef\u8fbe\u7f8e\u56fd\u56fd\u7a0e\u5c40 (IRS) \u7684\u5e74\u5ea6\u9650\u989d\u3002\u60a8\u96c7\u4e3b\u7f34\u7eb3\u7684\u7f34\u6b3e\u4e5f\u8ba1\u5165\u6b64\u9650\u989d\u3002<\/p>\n\n\n\n<p><strong>6. \u5f00\u59cb\u4f7f\u7528\u60a8\u7684 HSA<\/strong>\uff1a\u5065\u5eb7\u50a8\u84c4\u8d26\u6237 (HSA) \u901a\u5e38\u63d0\u4f9b\u501f\u8bb0\u5361\uff0c\u4e5f\u53ef\u80fd\u63d0\u4f9b\u7eb8\u8d28\u652f\u7968\u3002\u8fd9\u4e24\u79cd\u65b9\u5f0f\u90fd\u53ef\u7528\u4e8e\u76f4\u63a5\u652f\u4ed8\u7b26\u5408\u6761\u4ef6\u7684\u533b\u7597\u8d39\u7528\uff0c\u6216\u8005\u5982\u679c\u60a8\u4f7f\u7528\u5176\u4ed6\u4fe1\u7528\u5361\u6216\u8d26\u6237\u4ed8\u6b3e\uff0c\u4e5f\u53ef\u4ee5\u4ece HSA \u4e2d\u81ea\u884c\u62a5\u9500\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u7ed3\u8bba<\/h2>\n\n\n\n<p>\u5065\u5eb7\u50a8\u84c4\u8d26\u6237\u4e0d\u4ec5\u4ec5\u662f\u652f\u4ed8\u533b\u7597\u8d39\u7528\u7684\u4e00\u79cd\u9009\u62e9\u3002\u5b83\u8fd8\u662f\u89c4\u5212\u3001\u50a8\u84c4\u548c\u4e3a\u672a\u6765\u505a\u51c6\u5907\u7684\u5de5\u5177\u3002\u5176\u7a0e\u6536\u4f18\u60e0\u3001\u5c55\u671f\u529f\u80fd\u548c\u7075\u6d3b\u6027\u4f7f\u5176\u6210\u4e3a\u4e00\u79cd\u660e\u667a\u7684\u9009\u62e9\uff0c\u6709\u52a9\u4e8e\u62b5\u6d88\u672a\u6765\u5f88\u957f\u4e00\u6bb5\u65f6\u95f4\u7684\u533b\u7597\u8d39\u7528\u3002<\/p>\n\n\n\n<p><\/p>\n<div class=\"acf-fields-container\" data-post-id=\"15697\" data-canto-acf=\"true\"><\/div><style>\r\n        .acf-fields-container {\r\n            margin: 2em 0;\r\n            width: 100%;\r\n            clear: both;\r\n        }\r\n        .acf-field-image {\r\n            margin: 1.5em 0;\r\n            position: relative;\r\n        }\r\n        .acf-field-label {\r\n            margin-bottom: 1em;\r\n        }\r\n        .acf-image {\r\n            max-width: 100%;\r\n            height: auto;\r\n            display: block;\r\n            margin: 1em 0;\r\n        }\r\n    <\/style>","protected":false},"excerpt":{"rendered":"<p>\u5bf9\u5927\u591a\u6570\u4eba\u6765\u8bf4\uff0c\u5065\u5eb7\u50a8\u84c4\u8d26\u6237 (HSA) \u53ea\u662f\u4e00\u4e2a\u7528\u4e8e\u533b\u7597\u8d39\u7528\uff08\u4f8b\u5982\u5c31\u8bca\u6216\u5904\u65b9\u836f\uff09\u7684\u50a8\u84c4\u8d26\u6237\u3002\u4f46\u60a8\u662f\u5426\u77e5\u9053\uff0c\u5b83\u8fd8\u62e5\u6709\u53ef\u4ee5\u8bf4\u662f\u6240\u6709\u8d26\u6237\u7c7b\u578b\u4e2d\u6700\u4f73\u7684\u7a0e\u6536\u4f18\u60e0\uff1f\u8fd9\u201c\u4e09\u91cd\u7a0e\u6536\u4f18\u60e0\u201d\u53ef\u4ee5\u4e3a\u60a8\u7684\u8d22\u52a1\u5e26\u6765\u5de8\u5927\u7684\u6536\u76ca\u3002<\/p>","protected":false},"author":24,"featured_media":15699,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"footnotes":""},"categories":[208,9],"tags":[69,230,317,318,319,320],"class_list":["post-15697","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-products-for-seniors","tag-savings","tag-insurance","tag-hsa","tag-hdhp","tag-health-savings-account","tag-high-deductible-health-plan"],"acf":[],"canto_acf_fields":"<div class=\"acf-fields-container\" data-post-id=\"15697\" data-canto-acf=\"true\"><\/div><style>\r\n        .acf-fields-container {\r\n            margin: 2em 0;\r\n            width: 100%;\r\n            clear: both;\r\n        }\r\n        .acf-field-image {\r\n            margin: 1.5em 0;\r\n            position: relative;\r\n        }\r\n        .acf-field-label {\r\n            margin-bottom: 1em;\r\n        }\r\n        .acf-image {\r\n            max-width: 100%;\r\n            height: auto;\r\n            display: block;\r\n            margin: 1em 0;\r\n        }\r\n    <\/style>","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Do Health Savings Accounts Work? A Guide for Seniors<\/title>\n<meta name=\"description\" content=\"This article provides background information about Health Savings Accounts (HSAs), how they work, and how to take advantage of them.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/medbox.com\/zh\/how-do-health-savings-accounts-work-a-guide-for-seniors\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Do Health Savings Accounts Work? A Guide for Seniors\" \/>\n<meta property=\"og:description\" content=\"This article provides background information about Health Savings Accounts (HSAs), how they work, and how to take advantage of them.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/medbox.com\/zh\/how-do-health-savings-accounts-work-a-guide-for-seniors\/\" \/>\n<meta property=\"og:site_name\" content=\"MedBox | Medications Sorted By Dose | Full-Service Pharmacy\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-01T22:20:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-01T22:21:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/medbox.com\/wp-content\/uploads\/2025\/10\/hsa.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"853\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Eric Rosenberg, MBA, CFEI\u00ae\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Eric Rosenberg, MBA, CFEI\u00ae\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 \u5206\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/medbox.com\\\/how-do-health-savings-accounts-work-a-guide-for-seniors\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/medbox.com\\\/how-do-health-savings-accounts-work-a-guide-for-seniors\\\/\"},\"author\":{\"name\":\"Eric Rosenberg, MBA, CFEI\u00ae\",\"@id\":\"https:\\\/\\\/medbox.com\\\/#\\\/schema\\\/person\\\/500a682cb376a1de2573fd888bc8ff29\"},\"headline\":\"How Do Health Savings Accounts Work? A Guide for Seniors\",\"datePublished\":\"2025-10-01T22:20:57+00:00\",\"dateModified\":\"2025-10-01T22:21:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/medbox.com\\\/how-do-health-savings-accounts-work-a-guide-for-seniors\\\/\"},\"wordCount\":1211,\"image\":{\"@id\":\"https:\\\/\\\/medbox.com\\\/how-do-health-savings-accounts-work-a-guide-for-seniors\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/medbox.com\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/hsa.jpg\",\"keywords\":[\"savings\",\"insurance\",\"HSA\",\"HDHP\",\"health savings account\",\"high-deductible health plan\"],\"articleSection\":[\"Finance\",\"Products for Seniors\"],\"inLanguage\":\"zh-CN\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/medbox.com\\\/how-do-health-savings-accounts-work-a-guide-for-seniors\\\/\",\"url\":\"https:\\\/\\\/medbox.com\\\/how-do-health-savings-accounts-work-a-guide-for-seniors\\\/\",\"name\":\"How Do Health Savings Accounts Work? A Guide for Seniors\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/medbox.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/medbox.com\\\/how-do-health-savings-accounts-work-a-guide-for-seniors\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/medbox.com\\\/how-do-health-savings-accounts-work-a-guide-for-seniors\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/medbox.com\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/hsa.jpg\",\"datePublished\":\"2025-10-01T22:20:57+00:00\",\"dateModified\":\"2025-10-01T22:21:00+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/medbox.com\\\/#\\\/schema\\\/person\\\/500a682cb376a1de2573fd888bc8ff29\"},\"description\":\"This article provides background information about Health Savings Accounts (HSAs), how they work, and how to take advantage of them.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/medbox.com\\\/how-do-health-savings-accounts-work-a-guide-for-seniors\\\/#breadcrumb\"},\"inLanguage\":\"zh-CN\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/medbox.com\\\/how-do-health-savings-accounts-work-a-guide-for-seniors\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-CN\",\"@id\":\"https:\\\/\\\/medbox.com\\\/how-do-health-savings-accounts-work-a-guide-for-seniors\\\/#primaryimage\",\"url\":\"https:\\\/\\\/medbox.com\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/hsa.jpg\",\"contentUrl\":\"https:\\\/\\\/medbox.com\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/hsa.jpg\",\"width\":1280,\"height\":853,\"caption\":\"Senior couple consulting with financial professional about Health Savings Accounts\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/medbox.com\\\/how-do-health-savings-accounts-work-a-guide-for-seniors\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/medbox.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Do Health Savings Accounts Work? A Guide for Seniors\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/medbox.com\\\/#website\",\"url\":\"https:\\\/\\\/medbox.com\\\/\",\"name\":\"MedBox | Medications Sorted By Dose | Full-Service Pharmacy\",\"description\":\"MedBox is a free pill-dispensing service provided by AmeriPharma, a full-service online pharmacy. Your prescriptions filled, sorted, and delivered.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/medbox.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"zh-CN\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/medbox.com\\\/#\\\/schema\\\/person\\\/500a682cb376a1de2573fd888bc8ff29\",\"name\":\"Eric Rosenberg, MBA, CFEI\u00ae\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"zh-CN\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4c6730e05fe2208c85ea4d307f87f341241344a157a17446bd614b1198627db5?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4c6730e05fe2208c85ea4d307f87f341241344a157a17446bd614b1198627db5?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/4c6730e05fe2208c85ea4d307f87f341241344a157a17446bd614b1198627db5?s=96&d=mm&r=g\",\"caption\":\"Eric Rosenberg, MBA, CFEI\u00ae\"},\"description\":\"Eric Rosenberg, MBA, CFEI\u00ae, was born in Minneapolis and raised in Denver. He received a BSBA in Finance from the University of Colorado at Boulder in 2007 and an MBA in Finance from the University of Denver in 2010. He is currently the Treasurer of the College Area Community Council in Ventura, CA; a Cubmaster of Pack 3179; and a Certified Financial Education Instructor (CFEI). The most rewarding part of his job is helping people improve their finances. His areas of expertise include banking, investing, credit cards, credit building, debt management, and small business finance. In his free time, he enjoys spending time with his beautiful family, enjoying the outdoors, tinkering with computers, and traveling the world.\",\"url\":\"https:\\\/\\\/medbox.com\\\/zh\\\/author\\\/eric-rosenberg\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"\u5065\u5eb7\u50a8\u84c4\u8d26\u6237\u5982\u4f55\u8fd0\u4f5c\uff1f\u8001\u5e74\u4eba\u6307\u5357","description":"\u672c\u6587\u63d0\u4f9b\u4e86\u6709\u5173\u5065\u5eb7\u50a8\u84c4\u8d26\u6237 (HSA) \u7684\u80cc\u666f\u4fe1\u606f\u3001\u5176\u8fd0\u4f5c\u65b9\u5f0f\u4ee5\u53ca\u5982\u4f55\u5229\u7528\u5b83\u4eec\u3002","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/medbox.com\/zh\/how-do-health-savings-accounts-work-a-guide-for-seniors\/","og_locale":"zh_CN","og_type":"article","og_title":"How Do Health Savings Accounts Work? A Guide for Seniors","og_description":"This article provides background information about Health Savings Accounts (HSAs), how they work, and how to take advantage of them.","og_url":"https:\/\/medbox.com\/zh\/how-do-health-savings-accounts-work-a-guide-for-seniors\/","og_site_name":"MedBox | Medications Sorted By Dose | Full-Service Pharmacy","article_published_time":"2025-10-01T22:20:57+00:00","article_modified_time":"2025-10-01T22:21:00+00:00","og_image":[{"width":1280,"height":853,"url":"https:\/\/medbox.com\/wp-content\/uploads\/2025\/10\/hsa.jpg","type":"image\/jpeg"}],"author":"Eric Rosenberg, MBA, CFEI\u00ae","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Eric Rosenberg, MBA, CFEI\u00ae","Est. reading time":"6 \u5206"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/medbox.com\/how-do-health-savings-accounts-work-a-guide-for-seniors\/#article","isPartOf":{"@id":"https:\/\/medbox.com\/how-do-health-savings-accounts-work-a-guide-for-seniors\/"},"author":{"name":"Eric Rosenberg, MBA, CFEI\u00ae","@id":"https:\/\/medbox.com\/#\/schema\/person\/500a682cb376a1de2573fd888bc8ff29"},"headline":"How Do Health Savings Accounts Work? A Guide for Seniors","datePublished":"2025-10-01T22:20:57+00:00","dateModified":"2025-10-01T22:21:00+00:00","mainEntityOfPage":{"@id":"https:\/\/medbox.com\/how-do-health-savings-accounts-work-a-guide-for-seniors\/"},"wordCount":1211,"image":{"@id":"https:\/\/medbox.com\/how-do-health-savings-accounts-work-a-guide-for-seniors\/#primaryimage"},"thumbnailUrl":"https:\/\/medbox.com\/wp-content\/uploads\/2025\/10\/hsa.jpg","keywords":["savings","insurance","HSA","HDHP","health savings account","high-deductible health plan"],"articleSection":["Finance","Products for Seniors"],"inLanguage":"zh-CN"},{"@type":"WebPage","@id":"https:\/\/medbox.com\/how-do-health-savings-accounts-work-a-guide-for-seniors\/","url":"https:\/\/medbox.com\/how-do-health-savings-accounts-work-a-guide-for-seniors\/","name":"\u5065\u5eb7\u50a8\u84c4\u8d26\u6237\u5982\u4f55\u8fd0\u4f5c\uff1f\u8001\u5e74\u4eba\u6307\u5357","isPartOf":{"@id":"https:\/\/medbox.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/medbox.com\/how-do-health-savings-accounts-work-a-guide-for-seniors\/#primaryimage"},"image":{"@id":"https:\/\/medbox.com\/how-do-health-savings-accounts-work-a-guide-for-seniors\/#primaryimage"},"thumbnailUrl":"https:\/\/medbox.com\/wp-content\/uploads\/2025\/10\/hsa.jpg","datePublished":"2025-10-01T22:20:57+00:00","dateModified":"2025-10-01T22:21:00+00:00","author":{"@id":"https:\/\/medbox.com\/#\/schema\/person\/500a682cb376a1de2573fd888bc8ff29"},"description":"\u672c\u6587\u63d0\u4f9b\u4e86\u6709\u5173\u5065\u5eb7\u50a8\u84c4\u8d26\u6237 (HSA) \u7684\u80cc\u666f\u4fe1\u606f\u3001\u5176\u8fd0\u4f5c\u65b9\u5f0f\u4ee5\u53ca\u5982\u4f55\u5229\u7528\u5b83\u4eec\u3002","breadcrumb":{"@id":"https:\/\/medbox.com\/how-do-health-savings-accounts-work-a-guide-for-seniors\/#breadcrumb"},"inLanguage":"zh-CN","potentialAction":[{"@type":"ReadAction","target":["https:\/\/medbox.com\/how-do-health-savings-accounts-work-a-guide-for-seniors\/"]}]},{"@type":"ImageObject","inLanguage":"zh-CN","@id":"https:\/\/medbox.com\/how-do-health-savings-accounts-work-a-guide-for-seniors\/#primaryimage","url":"https:\/\/medbox.com\/wp-content\/uploads\/2025\/10\/hsa.jpg","contentUrl":"https:\/\/medbox.com\/wp-content\/uploads\/2025\/10\/hsa.jpg","width":1280,"height":853,"caption":"Senior couple consulting with financial professional about Health Savings Accounts"},{"@type":"BreadcrumbList","@id":"https:\/\/medbox.com\/how-do-health-savings-accounts-work-a-guide-for-seniors\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/medbox.com\/"},{"@type":"ListItem","position":2,"name":"How Do Health Savings Accounts Work? A Guide for Seniors"}]},{"@type":"WebSite","@id":"https:\/\/medbox.com\/#website","url":"https:\/\/medbox.com\/","name":"MedBox | \u6309\u5242\u91cf\u5206\u7c7b\u7684\u836f\u7269 | \u5168\u65b9\u4f4d\u670d\u52a1\u836f\u623f","description":"MedBox \u662f\u7531\u63d0\u4f9b\u5168\u65b9\u4f4d\u670d\u52a1\u7684\u5728\u7ebf\u836f\u5e97 AmeriPharma \u63d0\u4f9b\u7684\u514d\u8d39\u836f\u7247\u914d\u836f\u670d\u52a1\u3002\u60a8\u7684\u5904\u65b9\u5df2\u914d\u597d\u3001\u5206\u7c7b\u597d\uff0c\u5e76\u53ef\u914d\u9001\u3002","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/medbox.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"zh-CN"},{"@type":"Person","@id":"https:\/\/medbox.com\/#\/schema\/person\/500a682cb376a1de2573fd888bc8ff29","name":"Eric Rosenberg\uff0c\u5de5\u5546\u7ba1\u7406\u7855\u58eb\uff0cCFEI\u00ae","image":{"@type":"ImageObject","inLanguage":"zh-CN","@id":"https:\/\/secure.gravatar.com\/avatar\/4c6730e05fe2208c85ea4d307f87f341241344a157a17446bd614b1198627db5?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/4c6730e05fe2208c85ea4d307f87f341241344a157a17446bd614b1198627db5?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/4c6730e05fe2208c85ea4d307f87f341241344a157a17446bd614b1198627db5?s=96&d=mm&r=g","caption":"Eric Rosenberg, MBA, CFEI\u00ae"},"description":"\u57c3\u91cc\u514b\u00b7\u7f57\u68ee\u4f2f\u683c\uff08Eric Rosenberg\uff09\uff0c\u5de5\u5546\u7ba1\u7406\u7855\u58eb\uff08MBA\uff09\u3001\u91d1\u878d\u6559\u80b2\u8bb2\u5e08\uff08CFEI\u00ae\uff09\uff0c\u51fa\u751f\u4e8e\u660e\u5c3c\u963f\u6ce2\u5229\u65af\uff0c\u5728\u4e39\u4f5b\u957f\u5927\u3002\u4ed6\u4e8e2007\u5e74\u83b7\u5f97\u79d1\u7f57\u62c9\u591a\u5927\u5b66\u535a\u5c14\u5fb7\u5206\u6821\u91d1\u878d\u5b66\u7406\u5b66\u5b66\u58eb\u5b66\u4f4d\uff0c\u5e76\u4e8e2010\u5e74\u83b7\u5f97\u4e39\u4f5b\u5927\u5b66\u91d1\u878d\u5b66\u5de5\u5546\u7ba1\u7406\u7855\u58eb\u5b66\u4f4d\u3002\u4ed6\u76ee\u524d\u62c5\u4efb\u52a0\u5dde\u6587\u56fe\u62c9\u5e02\u5b66\u9662\u533a\u793e\u533a\u59d4\u5458\u4f1a\u7684\u8d22\u52a1\u4e3b\u7ba1\u30013179\u7ae5\u5b50\u519b\u9886\u961f\uff0c\u4ee5\u53ca\u6ce8\u518c\u91d1\u878d\u6559\u80b2\u8bb2\u5e08\uff08CFEI\uff09\u3002\u4ed6\u5de5\u4f5c\u4e2d\u6700\u6709\u6210\u5c31\u611f\u7684\u90e8\u5206\u662f\u5e2e\u52a9\u4eba\u4eec\u6539\u5584\u8d22\u52a1\u72b6\u51b5\u3002\u4ed6\u7684\u4e13\u4e1a\u9886\u57df\u5305\u62ec\u94f6\u884c\u4e1a\u52a1\u3001\u6295\u8d44\u3001\u4fe1\u7528\u5361\u3001\u4fe1\u7528\u5efa\u8bbe\u3001\u503a\u52a1\u7ba1\u7406\u548c\u5c0f\u578b\u4f01\u4e1a\u878d\u8d44\u3002\u95f2\u6687\u65f6\uff0c\u4ed6\u559c\u6b22\u4e0e\u5bb6\u4eba\u5171\u5ea6\u65f6\u5149\uff0c\u4eab\u53d7\u6237\u5916\u6d3b\u52a8\uff0c\u6446\u5f04\u7535\u8111\uff0c\u4ee5\u53ca\u73af\u6e38\u4e16\u754c\u3002","url":"https:\/\/medbox.com\/zh\/author\/eric-rosenberg\/"}]}},"_links":{"self":[{"href":"https:\/\/medbox.com\/zh\/wp-json\/wp\/v2\/posts\/15697","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/medbox.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/medbox.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/medbox.com\/zh\/wp-json\/wp\/v2\/users\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/medbox.com\/zh\/wp-json\/wp\/v2\/comments?post=15697"}],"version-history":[{"count":0,"href":"https:\/\/medbox.com\/zh\/wp-json\/wp\/v2\/posts\/15697\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/medbox.com\/zh\/wp-json\/wp\/v2\/media\/15699"}],"wp:attachment":[{"href":"https:\/\/medbox.com\/zh\/wp-json\/wp\/v2\/media?parent=15697"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/medbox.com\/zh\/wp-json\/wp\/v2\/categories?post=15697"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/medbox.com\/zh\/wp-json\/wp\/v2\/tags?post=15697"}],"curies":[{"name":"\u53ef\u6e7f\u6027\u7c89\u5242","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}