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<h1 itemprop="headline" class="text-contrast DGspeakableHeadline">When to Spend Your HSA<span> The Bronx, NY</span></h1>
<p class="DGspeakableP1">The cost of healthcare can be intimidating. Luckily, there are ways to save on insurance and out-of-pocket costs. A healthcare savings account is one strategy to help offset the cost of medical and dental expenses.</p>
<p class="DGspeakableP2">Patients with healthcare savings accounts can use them for dental services at University Dental Associates in The Bronx and the surrounding area. Our team works with clients to determine the optimal financial strategy for treatment. Call us at <a title="Click to call University Dental Associates at (718) 733-6600" href="tel:+1-718-733-6600" class="TLBC" id="CTC-Phone-Formatted-0" rel="nofollow noopener" target="_blank">(718) 733-6600</a> to learn more or to schedule an appointment.</p>
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<section class="main-service-content section-block bg-primary SPS1" id="when-to-spend-your-hsa v1" role="contentinfo" aria-label="Passage about an investment tool for retirement"><!-- Section 1 -->
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<h2 itemprop="alternativeHeadline" class="text-contrast">An Investment Tool for Retirement</h2>
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<p>As <a title="Read more about Health Savings Account (HSA)" href="https://www.healthcare.gov/glossary/health-savings-account-hsa/" rel="nofollow noopener" target="_blank" style="text-decoration: underline;" class="TLBC" id="ALR-When-to-Spend-Your-HSA">Healthcare.gov</a> explains, an HSA is a tax-free account people use to help cover some medical costs. To contribute to an HSA, patients must have a high-deductible insurance plan. There is a yearly limit to the amount of money contributed to an HSA plan.</p>
<p>Unlike flexible savings accounts, the funds in an HSA roll over each year. This allows the balance to continue to grow. Once individuals reach retirement age, they can use their HSA funds for anything, not just medical expenses. An HSA is a great investment tool for retirement since other types of retirement accounts incur taxes.</p>
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<h3 itemprop="alternativeHeadline">"An HSA is a great investment tool for retirement since other types of retirement accounts incur taxes."</h3>
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<section class="main-service-content section-block bg-mute SPS2" id="when-to-spend-your-hsa v1" role="contentinfo" aria-label="Passage about HSA tax benefits"><!-- Section 2 -->
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<p>One of the greatest benefits of opening an HSA is its lower tax liability. Lowering tax liability with an HSA allows people to keep more of their paycheck each year and give less to the IRS. Benefits to opening and contributing to an HSA include:</p>
<ul class="bullet-list">
<li><b>Contributions:</b> The money contributed to an HSA is not taxed. Some people set their accounts up so that contributions are automatically taken out of their pay each month. The HSA withdraws the contribution before taxes, so it does not count as income and lowers the yearly tax liability.</li>
<li><b>Earnings:</b> An HSA account can earn interest. Earnings on an HSA account are also tax-free. The larger an HSA balance is, the more tax-free earnings it can get.</li>
<li><b>Withdrawals:</b> When it is time to use a portion of the HSA account, withdrawals are also not taxed. People can use their withdrawals for any type of qualifying medical expense. There is no need to time medical expenses by the calendar since an HSA does not need to be spent by the end of the year.</li>
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<section class="call-out bg-secondary SPPQ2" id="when-to-spend-your-hsa v1"  role="contentinfo" aria-label="Pull quote from passage about HSA tax benefits"><!-- Pull quote block 2 -->
<h3 itemprop="alternativeHeadline">"Lowering tax liability with an HSA allows people to keep more of their paycheck each year and give less to the IRS."</h3>
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<section class="main-service-content section-block bg-mute SPS3" id="when-to-spend-your-hsa v1" role="contentinfo" aria-label="Passage about investing and spending strategies"><!-- Section 3 -->
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<h2 itemprop="alternativeHeadline" class="text-contrast">Investing and Spending Strategies</h2>
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<p>The key to taking advantage of the HSA rules is to spend and invest wisely. Since there are many benefits to keeping an HSA for retirement expenses, it is important for people not to spend all their contributions. Instead, opt to spend a little on routine out-of-pocket medical or dental expenses and keep the balance growing with contributions.</p>
<p>Many dental expenses qualify for HSA spending. For items that are not covered by insurance, the HSA can help bridge the gap. To grow an HSA balance, it is a good idea to invest a portion of it in mutual funds, bonds, or stocks.</p>
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<section class="call-out bg-secondary SPPQ3" id="when-to-spend-your-hsa v1" role="contentinfo" aria-label="Pull quote from passage about investing and spending strategies"><!-- Pull quote block 3 -->
<h3 itemprop="alternativeHeadline">"To grow an HSA balance, it is a good idea to invest a portion of it in mutual funds, bonds, or stocks."</h3>
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<section class="main-service-content section-block bg-mute SPS4" id="when-to-spend-your-hsa v1" role="contentinfo" aria-label="Passage about transferring an HSA when changing jobs"><!-- Section 4 -->
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<h2 itemprop="alternativeHeadline" class="text-contrast">Transferring an HSA When Changing Jobs</h2>
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<p>When changing jobs, there is a procedure for transferring the HSA to the next employer. The rules of transferring an HSA are dependent on the employer-sponsored health insurance plan. If the new workplace does not offer a high-deductible health plan, the employee may not be eligible for making contributions to the HSA anymore.</p>
<p>It may be necessary to roll over the funds from one HSA account to another when transferring to another employer-sponsored HSA. Another option is to keep the old account open and start a second HSA with the new employer. While the old HSA will not be available for contributions, people can still use it for withdrawals.</p>
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<section class="call-out bg-secondary SPPQ4" id="when-to-spend-your-hsa v1" role="contentinfo" aria-label="Pull quote from passage about transferring an HSA when changing jobs"><!-- Pull quote block 4 -->
<h3 itemprop="alternativeHeadline">"The rules of transferring an HSA are dependent on the employer-sponsored health insurance plan."</h3>
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<section class="faq-section section-block bg-primary SPQ" id="when-to-spend-your-hsa v1" role="contentinfo" aria-label="Questions closely related to When to Spend Your HSA"><!-- Service Page Questions -->
<h2 itemprop="alternativeHeadline" class="text-contrast center-align">Questions Answered on This Page</h2>
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<p class="questions text-contrast"><span>Q.</span> <a title="Q. Why is an HSA a good investment tool for retirement?" href="/the-bronx-ny/when-to-spend-your-hsa/#why-hsa-good-investment-tool" class="TLBC" id="SPQA-When-to-Spend-Your-HSA">Why is an HSA a good investment tool for retirement?</a></p>
<p class="questions text-contrast"><span>Q.</span> <a title="Q. What are the HSA tax benefits?" href="/the-bronx-ny/when-to-spend-your-hsa/#hsa-tax-benefits" class="TLBC" id="SPQA-When-to-Spend-Your-HSA">What are the HSA tax benefits?</a></p>
<p class="questions text-contrast"><span>Q.</span> <a title="Q. How should people spend and invest their HSA contributions?" href="/the-bronx-ny/when-to-spend-your-hsa/#how-spend-invest-has-contributions" class="TLBC" id="SPQA-When-to-Spend-Your-HSA">How should people spend and invest their HSA contributions?</a></p>
<p class="questions text-contrast"><span>Q.</span> <a title="Q. How can people transfer their HSA when changing jobs?" href="/the-bronx-ny/when-to-spend-your-hsa/#how-transfer-has-when-changing-jobs" class="TLBC" id="SPQA-When-to-Spend-Your-HSA">How can people transfer their HSA when changing jobs?</a></p>
<p class="questions text-contrast"><span>Q.</span> <a title="Q. When is the right time to open an HSA?" href="/the-bronx-ny/when-to-spend-your-hsa/#when-right-time-to-open-an-hsa" class="TLBC" id="SPQA-When-to-Spend-Your-HSA">When is the right time to open an HSA?</a></p>
<h2 itemprop="alternativeHeadline" class="text-contrast center-align">People Also Ask</h2>
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<p class="questions text-contrast"><span>Q.</span> <a title="Q. What are the pros and cons of an HSA?" href="/the-bronx-ny/health-care-savings-account/#pros-and-cons-of-an-hsa" class="TLBC" id="PAA-Health-Care-Savings-Account">What are the pros and cons of an HSA?</a></p>
<p class="questions text-contrast"><span>Q.</span> <a title="Q. What factors should people consider when choosing a dental insurance plan?" href="/the-bronx-ny/dental-insurance/#factors-should-consider-when-choosing-dental-insurance-plan" class="TLBC" id="PAA-Dental-Insurance">What factors should people consider when choosing a dental insurance plan?</a></p>
<p class="questions text-contrast"><span>Q.</span> <a title="Q. What is an FSA?" href="/the-bronx-ny/flexible-spending-accounts/#what-is-an-fsa" class="TLBC" id="PAA-Flexible-Spending-Accounts">What is an FSA?</a></p>
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<section class="main-service-content section-block bg-mute SPS5" id="when-to-spend-your-hsa v1" role="contentinfo" aria-label="Passage about the right time to open an HSA"><!-- Section 5 -->
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<a name="when-right-time-to-open-an-hsa"></a>
<h2 itemprop="alternativeHeadline" class="text-contrast">The Right Time To Open an HSA</h2>
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<p>There are different strategies for the timing of opening a new HSA. If a person is qualified, they can open an HSA account at any time. We recommend that people open an HSA at the beginning of their careers when they are young and healthy and do not have many medical expenses.</p>
<p>Young people may also benefit from a high-deductible plan and get the most out of the potential long-term retirement savings. People interested in opening an HSA should develop an investment and savings strategy. Then they should <a title="Read more about More Americans are using a trick that can help you save money for retirement" href="https://www.cnbc.com/2019/03/20/how-to-open-and-use-a-health-savings-account.html" rel="nofollow noopener" target="_blank" style="text-decoration: underline;" class="TLBC" id="ALR-When-to-Spend-Your-HSA">research the different options for opening and setting up an HSA</a>.</p>
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<section class="call-out bg-secondary SPPQ5" id="when-to-spend-your-hsa v1" role="contentinfo" aria-label="Pull quote from passage about the right time to open an HSA"><!-- Pull quote block 5 -->
<h3 itemprop="alternativeHeadline">"The rules of transferring an HSA are dependent on the employer-sponsored health insurance plan."</h3>
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<section class="faq-section section-block bg-mute SPFAQ" id="when-to-spend-your-hsa v1" role="contentinfo" aria-label="Frequently asked questions related to When to Spend Your HSA"><!-- Service Page FAQ -->
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<h2 itemprop="alternativeHeadline" class="text-contrast center-align">Frequently Asked Questions</h2>
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<p class="questions text-contrast"><span>Q.</span> <span itemprop="name">What are some examples of qualified medical expenses for a healthcare savings account?</span></p>
<p class="answers" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span>A.</span> <span itemprop="text">HSA withdrawals are only tax-free when spent on qualifying medical expenses. These include out-of-pocket expenses for doctor visits, medical procedures, co-pays, dental costs, vision care, medications, <a title="Read more about IRS outlines changes to health care spending available under CARES Act" href="https://www.irs.gov/newsroom/irs-outlines-changes-to-health-care-spending-available-under-cares-act" rel="nofollow noopener" target="_blank" style="text-decoration: underline;" class="TLBC" id="ALR-When-to-Spend-Your-HSA">and feminine hygiene products</a>. The expenses can be for the individual, a spouse, or a dependent.</span></p>
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<span  itemscope itemprop="mainEntity" itemtype="https://schema.org/Question">
<p class="questions text-contrast"><span>Q.</span> <span itemprop="name">How much can I contribute each year to my HSA?</span></p>
<p class="answers" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span>A.</span> <span itemprop="text">Each year, the IRS sets a limit on the amount of money someone can contribute to an HSA. For 2021, the limit for an <a title="Read more about 26 CFR 601.602: Tax forms and instructions" href="https://www.irs.gov/pub/irs-drop/rp-20-32.pdf" rel="nofollow noopener" target="_blank" style="text-decoration: underline;" class="TLBC" id="ALR-When-to-Spend-Your-HSA">individual is $3,600, and for a family, it is $7,200</a>. Individuals over the age of 55 can contribute an additional $1,000 each year as a catch-up contribution.</span></p>
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<span  itemscope itemprop="mainEntity" itemtype="https://schema.org/Question">
<p class="questions text-contrast"><span>Q.</span> <span itemprop="name">What is a high-deductible health insurance plan?</span></p>
<p class="answers" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span>A.</span> <span itemprop="text">To qualify for an HSA, an individual must be participating in a high-deductible health plan. With these, the individual is responsible for paying a certain amount before the health insurance company steps in and starts covering expenses. The deductible needs to be at least $1,400 for an individual plan or $2,800 for a family plan.</span></p>
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<span  itemscope itemprop="mainEntity" itemtype="https://schema.org/Question">
<p class="questions text-contrast"><span>Q.</span> <span itemprop="name">What are the penalties for withdrawing funds for ineligible purchases for an HSA?</span></p>
<p class="answers" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span>A.</span> <span itemprop="text">There is a penalty when using an HSA to pay for things that are not qualifying medical expenses. First, you have to pay taxes on that money as it now counts as income. Next, if you are younger than 65, you are charged another 20% penalty on the funds. To avoid this, do not withdraw HSA funds for non-medical expenses.</span></p>
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<span  itemscope itemprop="mainEntity" itemtype="https://schema.org/Question">
<p class="questions text-contrast"><span>Q.</span> <span itemprop="name">Who else can contribute to my HSA?</span></p>
<p class="answers" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer">
<span>A.</span> <span itemprop="text">Some employers also make contributions to their staff's HSA plans. If your job contributes to your HSA, be sure that you do not go over the IRS contribution limit. Excess contributions will result in a 6% tax penalty.</span></p>
</span>
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<section class="definitions section-block bg-primary z-depth-1 SPD" id="when-to-spend-your-hsa v1" role="contentinfo" aria-label="Medical definitions closely related to When to Spend Your HSA services"><!-- Service Page Definitions -->
<h2 itemprop="alternativeHeadline" class="text-contrast">Dental Terminology</h2>
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<dt class="text-contrast"><dfn>Co-pay</dfn></dt>
<dd>A fixed payment made by the insured (patient) coupled with that of the insurance coverage.</dd>
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<a name="deductible"></a>
<dt class="text-contrast"><dfn>Deductible</dfn></dt>
<dd>Part of an insurance policy that indicates a specified amount of money that the insured must pay prior to the coverage amount.</dd>
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<dt class="text-contrast"><dfn>Flexible Spending Account</dfn></dt>
<dd>A tax-advantaged savings account offered by employers to cover eligible medical expenses not covered by insurance such as copays, prescription drugs, and deductibles.</dd>
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<dt class="text-contrast"><dfn>Health Care Savings Accounts</dfn></dt>
<dd>A tax-advantaged savings account for medical expenses for tax-payers with a high-deductible healthcare plan.</dd>
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<a name="medical-necessity"></a>
<dt class="text-contrast"><dfn>Medical Necessity</dfn></dt>
<dd>Health care services that are justified as necessary for the well-being of a patient.</dd>
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<dt class="text-contrast"><dfn>Oral Health</dfn></dt>
<dd>Health conditions that directly relate to the functionality or aesthetics of the mouth, teeth, gums, jaw, or throat.</dd>
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<dt class="text-contrast"><dfn>Out of Pocket Medical Expenses</dfn></dt>
<dd>An out of pocket medical expense is anything a person has to pay for medical reasons that is not covered by insurance. These typically include co-payments, deductibles or uninsured prescription and procedure costs.</dd>
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<a name="out-of-pocket-maximum"></a>
<dt class="text-contrast"><dfn>Out of Pocket Maximum</dfn></dt>
<dd>The out of pocket maximum is the most an individual will have to pay for health care services in a plan year before your insurance provider covers all the cost.</dd>
</div>
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<dt class="text-contrast"><dfn>Prevention</dfn></dt>
<dd>The act or practice of stopping something from arising or its progression.</dd>
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<a name="tax-advantaged"></a>
<dt class="text-contrast"><dfn>Tax-Advantaged</dfn></dt>
<dd>An economic bonus that applies to certain types of investments or savings accounts that are tax-reduced, tax-deferred, or tax-free.</dd>
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</div>
</dl>
</section><!-- /.end SPD when-to-spend-your-hsa v1 Service Page Definitions -->

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<h2 itemprop="alternativeHeadline" class="text-contrast">Call Us Today</h2>
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<p>There are many advantages to HSA, from managing the costs of some dental treatments to investing for retirement. Our team can help you understand how these savings accounts work and what expenses qualify. Call us at <a title="Click to call University Dental Associates at 718-733-6600" href="tel:+1-718-733-6600" class="TLBC" id="CTC-Phone-Hyphens-0" rel="nofollow noopener" target="_blank">718-733-6600</a> for more information or to schedule an appointment.</p>
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<h3 itemprop="alternativeHeadline" class="text-contrast">Helpful Related Links</h3>
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<li><span itemprop="name">American Dental Association (ADA)</span>. <a href="https://www.ada.org/publications/cdt/glossary-of-dental-clinical-terms" itemprop="url" target="_blank" rel="nofollow noopener" style="text-decoration: underline;" class="TLBC" id="ALR-American-Dental-Association-Glossary">Glossary of Dental Clinical Terms</a>. <i>2022</i></li>
<li><span itemprop="name">American Academy of Cosmetic Dentistry® (AACD)</span>. <a href="http://www.aacd.com/" itemprop="url" target="_blank" rel="nofollow noopener" style="text-decoration: underline;" class="TLBC" id="ALR-American-Academy-of-Cosmetic-Dentistry">Home Page</a>. 
<i>2022</i></li>
<li><span itemprop="name">WebMD</span>. <a href="http://www.webmd.com/oral-health/guide/default.htm" itemprop="url" target="_blank" rel="nofollow noopener" style="text-decoration: underline;" class="TLBC" id="ALR-WebMD-oral-care-guide">WebMD's Oral Care Guide</a>. <i>2022</i></li>
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<h3 itemprop="alternativeHeadline" class="text-contrast">About our business, and website security</h3><ul itemscope itemtype="http://www.schema.org/SiteNavigationElement" class="bullet-list"><div class="divider divider-solid"></div><li>University Dental Associates was established in 1972.</li><li>We accept the following payment methods: American Express, Cash, Discover, MasterCard, and Visa</li><li>We serve patients from the following counties: Queens County, Westchester County, New York County, Kings County, Bronx County, Richmond County, Suffolk County and Nassau County</li><li>We serve patients from the following cities: The Bronx, Washington Heights, Mt Vernon, Yonkers, Fordham, Parkchester, Pelham Bay, Riverdale, Morris Park, and Mott Haven</li><!-- <li><span itemprop="name">NY</span>. <a href="" target="_blank" rel="nofollow noopener" class="TLBC" id="ALT-State-License" style="text-decoration: underline;">View License Information and Specifics</a></li> --><li><span itemprop="name">National Provider Identifier Database</span> (1750459194). <a href="https://npiregistry.cms.hhs.gov/provider-view/1750459194" target="_blank" rel="nofollow noopener" class="TLBC" id="ALT-NPIdb" style="text-decoration: underline;">View NPI Registry Information</a></li><li><span itemprop="name">Healthgrades</span>. <a href="https://www.healthgrades.com/dentist/dr-rafael-isakharov-3ymn7" target="_blank" rel="nofollow noopener" class="TLBC" id="ALT-Healthgrades" style="text-decoration: underline;">View Background Information and Reviews</a></li><li><span itemprop="name">Norton Safe Web</span>. <a href="http://safeweb.norton.com/report/show?url=/dentistbronxnewyork.com" target="_blank" rel="nofollow noopener" class="TLBC" id="ALT-Norton-Safe-Web" style="text-decoration: underline;">View Details</a></li><li><span itemprop="name">Trend Micro Site Safety Center</span>. <a href="http://global.sitesafety.trendmicro.com/?url=/dentistbronxnewyork.com" target="_blank" rel="nofollow noopener" class="TLBC" id="ALT-Trend-Micro-Site-Safety" style="text-decoration: underline;">View Details</a></li></ul>
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