Tervisearvestused

Tervisearvestused, often translated as health accounts or health savings accounts, are a financial tool designed to help individuals save for and pay for qualified medical expenses. These accounts are typically paired with a high-deductible health insurance plan (HDHP). The primary benefit of a tervisearvestus is that contributions made to the account are tax-deductible, and the funds grow tax-free. Furthermore, qualified withdrawals for medical expenses are also tax-free. This trifecta of tax advantages makes tervisearvestused an attractive option for those seeking to manage healthcare costs.

Funds in a tervisearvestus can be used for a wide range of qualified medical expenses as defined by the relevant tax authorities. This includes costs such as doctor's visits, prescription medications, dental care, vision care, and even certain over-the-counter items. Unused funds in the account roll over from year to year, meaning there is no "use it or lose it" deadline for the savings. This allows individuals to accumulate a significant sum over time, which can be particularly useful for long-term healthcare needs or for supplementing retirement income with medical expenses.

The specific rules and regulations governing tervisearvestused can vary by country. However, the general concept remains consistent: providing a tax-advantaged way to save for healthcare. They encourage individuals to be more mindful of their healthcare spending due to the direct financial stake they have in the account. The pairing with HDHPs also aims to lower insurance premiums, with the savings potentially being channeled into the tervisearvestus.