LifeHack - Insurance

LifeHack - Insurance

• LifeHack - Insurance
  • Life and Accident Insurance
    • 📊 Summary
    • 💰 HSA
    • 🦷 LPFSA (LTD Purpose FSA)
    • 💼 FSA
    • 👶 Dependent Day Care FSA
  • Women’s Health
  • Mental Health
    • Lyra
    • ComPsych / AbleTo (old)

ref:

• https://zhuanlan.zhihu.com/p/596414061

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Life and Accident Insurance

• HSA: 3100
• FSA: 3050 / 610
• LP FSA: 3050 / 610
• Dependent Day Care FSA: 5000

Account Type	Annual Limit + Carryover	Eligible Expenses	Tax Advantage
HSA	✅ Unlimited rollover	Medical, dental, vision	Triple tax-free (contribution, growth, withdrawal)
FSA	✅ max carryover	Medical, dental, vision	Tax-free contribution
LPFSA	✅ max carryover	Vision, dental only	Tax-free contribution
Dependent Care FSA	❌ Forfeited if unused	Childcare / elder care	Tax-free contribution

Note:

• 可以同时有 hsa 和 lpfsa，后者报销 vision 和 dental

Account Type	2026	2025
HSA	$4400 ($750)	$4300($750)
FSA	$3400 ($680 carryover)	$3300 ($660 carryover)
LPFSA	$3400 ($680 carryover)	$3300 ($660 carryover)
Dependent Care FSA	$5000 Forfeited	$5000 Forfeited

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📊 Summary

(1056 + 288)*0.35 = 470+

# 放满，每年避税1000+
(2300 + 610)*0.35 = 1,018.4999999999999
(4300 + 3300)*0.35 = 2,660
(4400 + 3400)*0.35 = 2,730

HSA

• Fruit Contribution: 750 one time, 750
• Your annual contribution:
  • ~$88/paycheck (~$2,300/year)
  • ~$115/paycheck x 26 ($2,990/year)

LPFSA

• Your annual contribution:
  • $24/paycheck x 26 (~$624/year)
  • $11/paycheck x 26 (~$286/year)

💰 HSA

Health Savings Account:

• save before-tax money
• pay for eligible medical, dental, and vision expenses, like coinsurance, copays, and more.
• Grows tax-free when invested (balance ≥ $2,100).
• At the end of the calendar year, any unused money rolls over.
• If you leave or retire, take the account with you, and use the money to pay for Medicare and other health expenses in retirement.
• In several states, HSA contributions do not reduce taxable income for state income tax purposes

🦷 LPFSA (LTD Purpose FSA)

Limited Purpose Health Care Flexible Spending Account:

• save before-tax money
• If you’re enrolled in HSA, you aren’t eligible for the traditional FSA, but participate in a LPFSA.
• This account works the same way except that you can only use it for certain dental and vision expenses
• you can’t use a LPFSA to pay for any medical expenses.
• Annual limit: $3,050 with $610 carryover
• Unused balance beyond carryover is forfeited

What expenses are eligible?
Qualified out-of-pocket expenses for dental or vision care provided to you, the spouse or dependents.
Typical eligible expenses include:

Dental:
• Artificial teeth
• Braces
• Dental plan deductible, coinsurance and copayments
• Dental services like exams, cleanings, fillings and X-rays
• Mouth guards
• Orthodontia services
• Tooth removals

Vision:
• Contact lenses and solutions
• Eyeglasses and frames
• LASIK eye surgery
• Vision exams
• Vision plan deductible, coinsurance and copayments

💼 FSA

Health Care Flexible Spending Account:

• save before-tax money
• use for eligible medical, dental, and vision expenses like copays, coinsurance, and more.
• At the end of the calendar year, up to $610 of unused contributions will carry over to the following year as long as you re-enroll in a FSA; otherwise, it will be forfeited.
• When you enroll in this account, you can contribute from $100 to $3050 each year. The contribution limit may be adjusted annually by the IRS.

👶 Dependent Day Care FSA

Dependent Day Care Flexible Spending Account:

• save before-tax money to use for eligible dependent child care or elder care expenses so that you (or you and the spouse, if you’re married) can work.
• Highly compensated employees may have their Dependent Day Care FSA annual contributions reduced in order for the plan to satisfy IRS requirements.
• If the spouse’s or partner’s employer has a Dependent Day Care FSA where the contributions typically are not reduced below $5,000, then consider if that plan is a better option for the family.
• You will be notified prior to any reduction. At the end of the calendar year, any unused contributions will be forfeited. For a list of eligible and ineligible expenses
• You can’t use this account to get reimbursed for the dependents’ health care expenses.

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Women’s Health

• Women’s Health: A Chinese Medicine Perspective

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Mental Health

• Employee Assistance Program (EAP)

Lyra

Enhanced 1-on-1 support. Receive up to 25 coaching and/or counseling sessions per person each calendar year, for you and your eligible family members, to get the care and support you need.

ComPsych / AbleTo (old)

• It offers short-term counseling, guidance, and referrals on financial, legal, and work-life topics to help you navigate life’s ins and outs

Life happens

• Some mental health or substance abuse issues might go beyond the scope of EAP. For these cases, a counselor will refer you to your medical plan for mental health or chemical dependency services or to local community support.

Financial Coaching

• unlimited phone consultations with ComPsych staff financial experts. You can seek support for a number of topics including retirement planning, relocation, budgeting, debt management, and more.

• need additional support, ComPsych offers two 30-minute consultations by phone or in-person per issue during a 12-month period. ComPsych will refer you to a local financial expert.

Legal Resources

• unlimited phone consultations with ComPsych staff attorneys.
• need additional support, such as representation or document preparation, get one 30-minute consultation by phone or in person, per issue in a 12-month period. You’ll be referred to a local ComPsych network attorney who specializes in the area in which you need help. And if you hire an attorney referred by ComPsych, you’ll get a 25 percent discount on their hourly rate.