With Patelco Online™, you can securely manage your Health 储蓄 Account (保险公司).
An HDHP is a health insurance plan that meets the dollar limits shown in the table below. For 2024, annual catchup contributions are $1,000 for individuals 55 or older.
High-deductible health plans and contribution limitations change annually to reflect cost-of-living increases.
2023 HDHP限制
| 计划覆盖 | 自我只有 | 家庭 |
| 年度扣除 | $1,500 | $3,000 |
| 年度扣除 plus out of pocket expenses cannot exceed | $7,500 | $15,000 |
| Annual Contribution Limit | $3,850 | $7,750 |
2024 HDHP限制
| 计划覆盖 | 自我只有 | 家庭 |
| 年度扣除 | $1,600 | $3,200 |
| 年度扣除 plus out of pocket expenses cannot exceed | $8,050 | $16,100 |
| Annual Contribution Limit | $4,150 | $8,300 |
The maximum contribution amounts you can make to your 保险公司 account (based on your coverage) are in the chart above. Please ensure that you meet the eligibility requirements to open an 保险公司 account to contribute.
You can, but you’ll need to pay a 20 percent tax penalty for the total amount you withdraw.
Patelco 信贷 Union
保险公司 Department #25
公园广场3号
都柏林，CA 94568
是的. Everyone who has an 保险公司 or contributes to one is required to report: the account holder, 雇主, and the 保险公司’s custodian or trustee.
查看完整的 IRS list of qualified medical expenses (PDF).
You can find your complete 14-digit 保险公司 account number by logging into Patelco在线™ or the 手机应用程序 and selecting your 保险公司 account. 然后选择 帐户详细信息 (or 显示详细信息 on the 手机应用程序) and look for Account Number for Direct Deposit and ACH Transactions. Full Patelco 保险公司 numbers begin with “746” followed by zeroes (enough to make the full number 14 digits long), 您的会员编号, and a two-digit account type identifier.
例如, the complete 14-digit 保险公司 account number for Member Number 12345 with 保险公司 account suffix 80 is 74600001234580 (746 + 0000 + 12345 + 80)
You’ll need to use your complete 14-digit 保险公司 account number when submitting requests for electronic contributions and/or electronic payments.
The check will be returned.
The IRS considers overdrafts as prohibited transactions.
是也不是. Once you have Medicare, you can no longer make contributions to your 保险公司. You can still withdraw the funds for qualified medical expenses.
1 年 = Annual Percentage Yield
