Self-Directed Health Savings Accounts – Building Wealth Through Health

By H. Quincy Long

By now you have probably heard of the Health Savings Account (HSA).  What you may not know is just how amazing this type of account actually is, in terms of premium savings, tax savings, and, most importantly, what you can invest in with your HSA.

Qualification Requirements.  In order to have a Health Savings Account, you must be an “eligible individual.”  To be an eligible individual, you must 1) have a High Deductible Health Plan (HDHP); 2) have no other health coverage, with certain exceptions; 3) not be enrolled in Medicare; and 4) not be claimed as a dependent on another person’s tax return.

While a full description of a HDHP is beyond the scope of this article, its key features are a higher deductible than many insurance policies and a maximum limit on the out-of-pocket expenses (including the deductible and co-payments, but excluding the premium payments).  For 2008, the minimum deductible is $1,100 for self-only coverage and $2,200 for family coverage, and the maximum out-of-pocket expense is $5,600 for self-only coverage and $11,200 for family coverage.  All major insurance companies offer HSA compliant plans.  Employers may also offer an HSA compliant plan, since these policies tend to be less expensive.  If the employer makes contributions to your HSA it is excluded from your income.

Premium Savings.  Because of the higher deductibles and plan features, HSA compliant plans tend to cost less.  When I switched from a policy with a $2,000 general deductible and a $200 drug deductible to an overall deductible of $2,200, the premiums for my family were reduced from $754 per month to $450 per month.  That’s a total premium savings of $3,648 per year!

Tax Savings.  One of the best features of an HSA is the tax savings for contributing to the account.  Beginning in 2007, the contribution limit is no longer tied to the deductible.  The contribution limit for 2008 is $2,900 for self-only coverage and $5,800 for family coverage.  To the extent you make the contribution (as opposed to your employer), these amounts are fully tax deductible, no matter what your income.  If you are age 55 or older, you may contribute an additional $900 for 2008.  There is even a one time ability to take a distribution from your IRA to fund your HSA with no taxes or penalty.

In my tax bracket, the ability to deduct my contributions is significant.  I will contribute $5,800 for 2008 and save $2,030 on my taxes.  The total benefit to me for switching to an HSA compliant health plan, considering the premium and tax savings, is $5,678 for 2008, which nearly covers my $5,800 contribution!
Distributions from an HSA for “qualified medical expenses”, which are broadly defined and include expenses for yourself, your spouse and your dependents, are tax free forever!  Because the expenses only have to occur after the HSA has been established, virtually everyone will end up with qualified medical expenses at some point in their life.  You can take a qualified distribution at any point after the expense is incurred, even in later years, provided you keep track of the expenses.

Investment Opportunities.  Even better than the premium and tax savings is the ability to invest your HSA funds in non-traditional investments, just as you would in a self-directed IRA.  Many banks and other companies offer the convenience of an HSA account with a debit card for you to pay medical bills with.  However, if you are healthy and don’t have a lot of expenses or you can fund the expenses out of pocket, you can make your HSA account grow much faster with investments other than mutual funds or savings accounts which may pay very little.

With a self-directed HSA, you choose your HSA’s investments.  Common investment choices made by self-directed HSA participants at Quest IRA, Inc. in Houston, Texas include real estate, both domestic and foreign, options, secured and unsecured notes, including first and second liens against real estate, C corporation stock, limited liability companies, limited partnerships, trusts and much more.  For example, I combined my 2007 HSA contribution with my 401(k) and other self-directed accounts to fund a hard money loan with 2 points up front and 12% interest per year.

The Health Savings Account is truly the best of all worlds.  It can significantly reduce your health care premiums, reduce your taxes, and produce tax free wealth through non-traditional investments in a self-directed HSA.  With a self-directed HSA (or IRA), you don’t have to “think outside the box” when it comes to your HSA’s investments.  You just have to realize that the investment box is much larger than you think!

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    การเล่นไพ่จำพวกนี้จึงตอบปัญหานักเล่นการพนันหลายท่าน และกลายเป็นที่ชอบอยู่ในใจของคนอีกจำนวนไม่น้อย การเดิมพันจะมีเนื้อหา ศัพท์ ข้อตกลงต่างๆชี้แจงให้เข้าใจง่ายๆได้ดังนี้ คำศัพท์อย่างคร่าวๆที่ใช่ในเกมที่ท่านควรจะทราบเป็นเบสิกสำหรับการเล่นหมายถึงPlayer หรือผู้เล่น , Banker หรือ เจ้ามือ , TIE หรือ เสมอ , Bonus หรือที่พวกเราเรียกกันว่าโบนัสนั่นเอง , player pair หรือ banker pair เป็นการลงพนันแบบไพ่ออกแต้มมาคู่กัน นอกจากนั้นยังมีข้อตกลงการเรียกไพ่ใบที่
    3 ถ้าท่านเลือกลงเดิมพันฝั่งผู้เล่น (player) แล้วได้ไพ่สองใบแรกออกแต้มมาเป็น 0-5 แต้ม ท่านจำต้องเรียกไพ่ใบที่ 3 โดยอัตโนมัติ ถ้าหากไพ่ออกมาได้ 5-6 แต้ม ท่านต้องรอคอยฝั่งตรงข้ามเป็นฝั่งเจ้ามือ (banker) ว่าได้แต้มเท่าใด ถ้าฝั่งเจ้ามือได้ 8-9 แต้มก็จะจบเกมโดยทันที เพราะว่าเป็นแต้มที่สูงที่สุดของไพ่แล้ว แล้วก็อีกอย่างที่ท่านจำต้องทราบเกี่ยวกับข้อตกลงก็คือกระบวนการนับคะแนน หรือการออกแต้มของไพ่ ซึ่งถ้าเกิดไพ่ออกมาเป็น A = 1แต้ม , แม้ได้ไพ่ J Q K 10 =
    0 แต้ม , ถ้าหากออกไพ่มา 2-9 = 2-9 แต้ม หากได้ไพ่มาก็สามารถนับแต้มได้ตามไพ่ได้เลยกรรมวิธีการเลือกเดิมพัน เราสามารถเลือกลงเดิมพันได้หลายแบบ ดังต่อไปนี้-ฝั่งผู้เล่น หากพวกเราเลือกลงทุนฝั่งเจ้ามือ (player) แล้วแต้มออกมาสูงขึ้นมากยิ่งกว่าอีกฝั่งท่านจะชนะ โดยมีอัตราผลตอบแทนเป็น 1
    : 1 ถ้าเราเลือกลงทุนฝั่งเจ้ามือ (banker) แล้วไพ่ออกมาแต้มสูงหรือมากกว่าอีกฝั่งจะมีอัตราผลตอบแทนคือ 1 : 0.95 -การเลือกลงทุนแบบเสมอหรือTIEนั้น ถ้าหากไพ่มีผลออกมาเสมอกันระหว่างผู้เล่น(player) กับเจ้ามือ(banker)
    เช่น 4-4 5-5 8-8 2-2 เพียงไพ่ออกแต้มมาเท่ากัน ท่านก็จะเห็นผลตอบแทนมากยิ่งกว่าการลงเดิมพันแบบปกติถึง 8 เท่า -การลงพนันอีกต้นแบบนึงเป็น การเลือกพนันแบบโบนัส(Bonus) เป็นการลงพนันโดยต้องลุ้นให้ไพ่ที่ออกมานั้นห่างกันมากยิ่งกว่า
    4 แต้ม ได้แก่ ถ้าเกิดท่านเลือกลงเดิมพันฝั่งเจ้ามือ(banker) ไพ่ฝั่งผู้เล่นออกแต้มมา 2 แต้ม ไพ่ฝั่งเจ้ามือต้องออกแต้มมากกว่าหรือเท่ากับ 6
    แต้มเท่านั้น จึงจะชนะและก็ได้รับโบนัสในทันที รวมทั้งหากว่าท่านเลือกลงเดิมพันฝั่งใดฝั่งนึงแล้วได้ไพ่มากยิ่งกว่าอีกฝั่ง 8 แต้มขึ้นไปท่านจะได้ผลทดแทนไปเลย 30
    เท่า -และการลงเดิมพันแบบท้ายที่สุด เป็นการลงพนันแบบไพ่คู่ หากท่านเลือกลงไพ่คู่ฝั่งเจ้ามือ (banker pair) ไพ่2ใบแรกจำเป็นต้องออกมาเป็นเลขที่เช่นเดียวกันทั้ง2ใบ
    ดังเช่น 1-1 2-2 ด้วยเหมือนกันถ้าหากท่านเลือกลงเดิมพันไพ่คู่ฝั่งผู้เล่น (player pair) แม้ไพ่ 2
    ใบแรกออกมาแต้มเหมือนกันท่านก็จะได้รับผลตอบแทนมากกว่าธรรมดาไปเลย 11 เท่าสำหรับแบบอย่างเกมก็จะมีลักษณะแบบที่กล่าวถึงไปแล้ววนๆไปแบบงี้ตลอดทั้งเกม แล้วก็ผลตอบแทนจะต่างกันออกไปในแต่ละโต๊ะ ท่านสามารถเลือกลงพนันตามความชำนาญได้ตามปรารถนา รวมทั้งสามารถเปลี่ยนแปลงวิธีการลงพนันตามวิธีการของแต่ว่าคนเพื่อเพิ่มช่องทางสำหรับในการทำเงินได้เลย

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    รวมทั้งยังจัดเตรียมข้อมูลเผื่อไว้หลายเว็บไซต์อีกด้วย เพื่อที่ผู้เล่นจะได้มีตัวเลือกหลายทาง แม้กระนั้นถ้าให้ทางพวกเราเสนอแนะ UFAX891 เป็นเว็บแทงบอลยอดเยี่ยมในช่วงเวลานี้แล้วสามารถสมัครเป็นสมาชิกได้ตลอดเวลา
    24 ชั่วโมง

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