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.
HSA. HRA. FSA. You can use it to pay your deductibles or copays. You can use the money in the account before it's fully funded. You own the account. Your employer owns the account. Money put into the account thatâs already been taxed (for example, money that was a gift) is tax deductible.