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Health Insurance Primer简历

时间过得可真快，从来都不等人，眼见着，找工作的时间马上到来，现在的'你想必是在写简历吧。你知道写简历需要注意哪些问题吗？以下是为大家整理的Health Insurance Primer简历，仅供参考，大家一起来看看吧。

Without enough health insurance, a medical emergency, or even a rious 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 the 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 incread an average of 11.2 percent in 2004, the fourth concutive year of double-digit growth, according to the "2004 Annual Employer Health Benefits Survey" conducted by the Kair 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 spous. Some employers offer bonus 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 spous employer) but u your coverage instead. In that ca, it may be better to stay on your employers policy but shift your spou and family members to your spous 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 u the money that year for medical expens, you can keep it in the account, where it grows tax-free for future medical expens. 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 u tax-free in any year to pay for medical expens. Youll owe taxes plus a 10 percent penalty if you u the money for nonmedical expens before age 65; after that, youll avoid the penalty. The plans are a particularly good deal if you dont have many medical expens and can keep the money in the account for years to make the most of the tax benefits.

The accounts also are a great option if youre lf-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 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-bad WageWorks, which manages employer-sponsored spending and savings accounts.