But thatâs part of the problem. A large portion of the distaste for foreign doctors isnât based on an assessment of the quality of medical training abroad. Rather, itâs based on xenophobia, or racism. Few people would openly admit to such bias in a survey, but suggestive evidence is everywhere.
An HSA allows account owners to pay for current health care expenses and save for those in the future. Its first advantage is that contributions are tax-deductible, or if made through a payroll deduction, they are pretax. Second, the interest earned is tax-free.
The money in an HRA is provided solely by the employer. HRAs are usually unfunded notional accounts, with no cash value. An HSA is a tax-advantaged account that can be used to pay for IRS-defined health care expenses, including long-term care and COBRA premiums.Anyone can contribute to an HSA, including the employer, the employee or a family member.RAs are usually unfunded notional accounts, with no cash value. An HSA is a tax-advantaged account that can be used to pay for IRS-defined health care expenses, including long-term care and COBRA premiums. Anyone can contribute to an HSA, including the employer, the employee or a family member.