{"id":1574,"date":"2012-08-16T12:10:54","date_gmt":"2012-08-16T20:10:54","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=1574"},"modified":"2015-11-20T15:43:13","modified_gmt":"2015-11-20T23:43:13","slug":"fsa-hsa-hra","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/fsa-hsa-hra\/","title":{"rendered":"FSA\u3001HSA\u3001HRA\u3063\u3066\uff1f &#8211; \u5065\u5eb7\u4fdd\u967a\u3068\u6d88\u8cbb\u8005\u306e\u8cac\u4efb"},"content":{"rendered":"<p>HMO, PPO, POS, FSA, HSA, HRA\u2026 \u3069\u308c\u3082\u3001\u30a2\u30e1\u30ea\u30ab\u306e\u5065\u5eb7\u4fdd\u967a\u306b\u95a2\u4fc2\u3057\u305f3\u6587\u5b57\u7565\u8a9e\u3067\u3059\u3002\u30a2\u30e1\u30ea\u30ab\u306e\u533b\u7642\u8cbb\u306f\u6bce\u5e74\u81a8\u5f35\u3059\u308b\u4e00\u65b9\u3067\u3059\u304c\u3001\u305d\u308c\u306b\u6bd4\u4f8b\u3057\u3066\u3053\u306e3\u6587\u5b57\u7565\u8a9e\u3082\u5897\u52a0\u306e\u4e00\u65b9\u3067\u3059\u3002\u6bce\u5e74\u306e\u30aa\u30fc\u30d7\u30f3\u30fb\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u306e\u305f\u3073\u306b\u3001\u4fdd\u967a\u6599\u306f\u3069\u3093\u3069\u3093\u4e0a\u304c\u3063\u3066\u3044\u304f\u3057\u3001\u65b0\u3057\u3044\u5065\u5eb7\u4fdd\u967a\u306f\u8ffd\u52a0\u3055\u308c\u308b\u3057\u3001\u4eca\u307e\u3067\u306e\u3082\u306e\u3082\u5909\u66f4\u3055\u308c\u305f\u308a\u3067\u3001\u306a\u306b\u304c\u306a\u306b\u3084\u3089\u3002\u3044\u3063\u305f\u3044\u3069\u306e\u5065\u5eb7\u4fdd\u967a\u3092\u9078\u3079\u3070\u3044\u3044\u306e\u304b\u3068\u982d\u3092\u60a9\u307e\u3059\u65b9\u3082\u591a\u3044\u306e\u3067\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002<a href=\"http:\/\/smartandresponsible.com\/blog\/how-to-select-health-insurance\/\" >\u6700\u521d\u306e\uff13\u3064\u306f\u3053\u3061\u3089\u3067\u3054\u7d39\u4ecb\u3057\u307e\u3057\u305f<\/a>\u306e\u3067\u3001\u4eca\u56de\u306f\u5f8c\u306e\uff13\u3064\u3092\u8003\u3048\u307e\u3059\u3002<\/p>\n<p>FSA\u3001HSA\u3001HRA\u306f\u305d\u308c\u305e\u308c\u3001Flexible Spending Account, Health Savings Account, Health Reimbursement Arrangement\u306e\u7565\u3067\u3059\u3002\u305d\u308c\u3067\u3082\u307e\u3060\u610f\u5473\u304c\u308f\u304b\u3089\u306a\u3044\u3063\u3066\u3002\u3054\u3082\u3063\u3068\u3082\u3002\u3067\u306f\u3001\u5c11\u3057\u305a\u3064\u89e3\u6790\u3057\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<h2>\u6d88\u8cbb\u8005\u304c\u88c1\u91cf\u3059\u308b\u30d8\u30eb\u30b9\u30fb\u30d7\u30e9\u30f3<\/h2>\n<p>\u307e\u305a\u3053\u308c\u3089\u306f\u307e\u3068\u3081\u3066Consumer Directed Health Plan\uff08\u6d88\u8cbb\u8005\u304c\u88c1\u91cf\u3059\u308b\u30d8\u30eb\u30b9\u30fb\u30d7\u30e9\u30f3\uff09\u3068\u547c\u3070\u308c\u3001\u5f93\u6765\u306e\u5065\u5eb7\u4fdd\u967a\u306b\u65b0\u305f\u306b\u52a0\u3048\u3089\u308c\u305f\u65b0\u3057\u3044\u4ed8\u52a0\u30d7\u30ed\u30b0\u30e9\u30e0\u3067\u3059\u3002\u3053\u308c\u3089\u306f\u3001\u3072\u3068\u308a\u3072\u3068\u308a\u306e\u6d88\u8cbb\u8005\uff08\u3064\u307e\u308a\u60a3\u8005\uff09\u306b\u3001\u81ea\u5206\u306e\u533b\u7642\u8cbb\u3092\u4f4e\u304f\u6291\u3048\u3088\u3046\u3068\u3044\u3046\u30e2\u30c6\u30a3\u30d9\u30fc\u30b7\u30e7\u30f3\u3092\u4e0e\u3048\u3066\u3001\u3072\u3044\u3066\u306f\u5168\u4f53\u7684\u306a\u533b\u7642\u8cbb\u306e\u524a\u6e1b\u3092\u5b9f\u73fe\u3057\u3088\u3046\u3068\u3044\u3046\u76ee\u7684\u306e\u305f\u3081\u306b\u751f\u307e\u308c\u305f\u5bfe\u7b56\u3067\u3059\u3002\u300c\u3069\u3046\u305b\u4fdd\u967a\u4f1a\u793e\u304c\u6255\u3046\u304b\u3089\u3001\u3069\u3093\u306a\u9ad8\u3044\u63aa\u7f6e\u3067\u3082\u3057\u3066\u3082\u3089\u3048\u3070\u3044\u3044\u3084\u300d\u3068\u3044\u3046\u6d88\u8cbb\u8005\u306e\u59ff\u52e2\u3092\u3001<strong>\u300c\u3067\u304d\u308b\u3060\u3051\u5b89\u304f\u3001\u53ef\u80fd\u306a\u9650\u308a\u6709\u52b9\u306a\u533b\u7642\u63aa\u7f6e\u3092\u9078\u307c\u3046\u300d\u3068\u3044\u3046\u59ff\u52e2\u306b\u8ee2\u63db\u3057\u3088\u3046<\/strong>\u3068\u3044\u3046\u306e\u304c\u306d\u3089\u3044\u3067\u3059\u3002<\/p>\n<p>\u5f93\u6765\u306e\u5065\u5eb7\u4fdd\u967a\uff08\u4e3b\u306bHMO\u306a\u3069\uff09\u3067\u306f\u3001\u8a3a\u65ad\u306e\u305f\u3081\u306e\u30c6\u30b9\u30c8\u3084\u624b\u8853\u306a\u3069\u306f\u3001\u30d5\u30eb\u304b\u305d\u308c\u306b\u8fd1\u3044\u30ec\u30d9\u30eb\u3067\u4fdd\u967a\u3067\u652f\u6255\u308f\u308c\u308b\u3053\u3068\u304c\u591a\u304f\u3001\u533b\u5e2b\u306b\u305d\u306e\u3088\u3046\u306a\u30c6\u30b9\u30c8\u3084\u624b\u8853\u3092\u63d0\u6848\u3055\u308c\u308c\u3070\u3001\u6d88\u8cbb\u8005\uff08\u60a3\u8005\uff09\u306f\u30b3\u30b9\u30c8\u3092\u3042\u307e\u308a\u610f\u8b58\u305b\u305a\u533b\u7642\u63aa\u7f6e\u3092\u53d7\u3051\u308b\u3053\u3068\u304c\u5e38\u3067\u3057\u305f\u3002\u308f\u305f\u3057\u81ea\u8eab\u3082\u4f55\u5e74\u304b\u524d\u306b\u5b50\u5bae\u7b4b\u816b\u306e\u624b\u8853\u3092\u3057\u305f\u3068\u304d\u3001\u533b\u5e2b\u304b\u3089CT\u30b9\u30ad\u30e3\u30f3\u306b\u52a0\u3048\u3066MRI\u3092\u64ae\u308b\u3088\u3046\u3044\u308f\u308c\u305f\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002MRI\u306f\u9ad8\u3044\u306e\u3067\u300c\u672c\u5f53\u306b\u5fc5\u8981\u306a\u3093\u3060\u308d\u3046\u304b\uff1f\u300d\u3068\u306f\u601d\u3063\u305f\u3082\u306e\u306e\u3001\u81ea\u5df1\u8ca0\u62c5\u306f\u30bc\u30ed\u3060\u3063\u305f\u306e\u3067\u3001\u300c\u307e\u3001\u53d7\u3051\u3066\u3082\u3044\u3044\u304b\u300d\u3068\u3044\u3046\u3088\u3046\u306a\u6c17\u3067\u3044\u307e\u3057\u305f\u3002\u3068\u3053\u308d\u304c\u3001\u3044\u308d\u3044\u308d\u3042\u3063\u3066\u7d50\u5c40\u305d\u306eMRI\u306f\u53d7\u3051\u305a\u3057\u3066\u624b\u8853\u306e\u65e5\u3092\u5411\u304b\u3048\u3001\u4f55\u306e\u554f\u984c\u3082\u306a\u304f\u624b\u8853\u306f\u7d42\u308f\u308a\u307e\u3057\u305f\u3002\u3064\u307e\u308b\u3068\u3053\u308d\u3001CT\u30b9\u30ad\u30e3\u30f3\u3067\u5341\u5206\u3067\u3001MRI\u306f\u4e0d\u8981\u306a\u30aa\u30fc\u30d0\u30fc\u30b9\u30da\u30c3\u30af\u3060\u3063\u305f\u3068\u3044\u3046\u308f\u3051\u3067\u3059\u3002<strong>\u300cMRI\u306f$4000\u304b\u304b\u308a\u307e\u3059\u3002\u3042\u306a\u305f\u3082\u534a\u5206\u304f\u3089\u3044\u306f\u6255\u308f\u306a\u304f\u3066\u306f\u306a\u308a\u307e\u305b\u3093\u3088\u300d\u3068\u8a00\u308f\u308c\u308c\u3070\u3001\u3082\u3046\u5c11\u3057\u771f\u5263\u306b\u81ea\u5206\u306e\u982d\u3067\u8003\u3048\u305f\u3067\u3057\u3087\u3046\u3002<\/strong>\u3053\u308c\u304cConsumer Directed Health Plan\u306e\u72d9\u3044\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n<h2>\u6d88\u8cbb\u8005\u306e\u8cac\u4efb<\/h2>\n<p>\u3053\u306e\u3088\u3046\u306b\u3001\u3053\u308c\u3089FSA\u3001HSA\u3001HRA\u306f\u3069\u308c\u3082\u3001\u308f\u305f\u3057\u305f\u3061\u304c<strong><span style=\"text-decoration: underline;\">\u81ea\u5206\u306e\u982d\u3067\u8003\u3048\u533b\u7642\u884c\u70ba\u3092\u53d6\u6368\u9078\u629e\u3057\u3066\u3044\u304f<\/span><\/strong>\u3068\u3044\u3046\u524d\u63d0\u306e\u4e0a\u306b\u6210\u308a\u7acb\u3063\u3066\u3044\u307e\u3059\u3002\u8ab0\u3082\u304c\u305d\u308c\u3092\u3059\u308b\u306a\u3089\u3070\u3001\u5f93\u6765\u306e\u5065\u5eb7\u4fdd\u967a\u3088\u308a\u3082\u533b\u7642\u306e\u30c8\u30fc\u30bf\u30eb\u30fb\u30b3\u30b9\u30c8\uff08\u4fdd\u967a\u6599\u3068\u533b\u7642\u63aa\u7f6e\u306b\u6255\u3046\u533b\u7642\u8cbb\u81ea\u5df1\u8ca0\u62c5\u306e\u5408\u8a08\uff09\u3092\u305a\u3063\u3068\u4f4e\u304f\u6291\u3048\u308b\u3053\u3068\u3082\u53ef\u80fd\u3067\u3042\u308b\u3068\u3044\u3046\u30d7\u30ed\u30b0\u30e9\u30e0\u3067\u3059\u3002\u8a00\u3044\u63db\u3048\u307e\u3059\u3068\u3001\u5f93\u6765\u306e\u5065\u5eb7\u4fdd\u967a\u3067\u306f\u300c\u4fdd\u967a\u6599\u306f\u9ad8\u304f\u3001\uff08\u4fdd\u967a\u4f1a\u793e\u304c\u307b\u3069\u3093\u3069\u8ca0\u62c5\u3059\u308b\u306e\u3067\uff09\u81ea\u5df1\u8ca0\u62c5\u306f\u4f4e\u304f\u300d\u3068\u3044\u3046\u30d1\u30bf\u30fc\u30f3\u3060\u3063\u305f\u306e\u304c\u3001FSA\u3001HSA\u3001HRA\u306e\u4ed8\u52a0\u30d7\u30ed\u30b0\u30e9\u30e0\u3092\u4f7f\u3046\u3068\u300c\u4fdd\u967a\u6599\u306f\u4f4e\u304f\u3001\uff08\u81ea\u5206\u3067\u53d6\u6368\u9078\u629e\u3059\u308b\u306e\u3067\uff09\u81ea\u5df1\u8ca0\u62c5\u3082\u4f4e\u304f\u300d\u3068\u3044\u3046\u30d1\u30bf\u30fc\u30f3\u304c\u53ef\u80fd\u306b\u306a\u308b\u3068\u3044\u3046\u308f\u3051\u3067\u3059\u3002\u305f\u3060\u3057\u6ce8\u610f\u304c\u5fc5\u8981\u306a\u306e\u306f\u3001\u300c\u4fdd\u967a\u6599\u306f\u4f4e\u304f\u3001\uff08\u60f3\u5b9a\u5916\u306e\u75c5\u6c17\u3092\u3057\u305f\u3068\u304d\u3084\u3001\u53d6\u6368\u9078\u629e\u3092\u8aa4\u308b\u3068\uff09\u81ea\u5df1\u8ca0\u62c5\u306f\u9ad8\u304f\u300d\u3068\u3044\u3046\u30d1\u30bf\u30fc\u30f3\u306b\u3082\u306a\u308a\u3046\u308b\u53ef\u80fd\u6027\u3092\u79d8\u3081\u3066\u3044\u308b\u306e\u3067\u3001\u305d\u306e\u30ea\u30b9\u30af\u3092\u304d\u3061\u3093\u3068\u628a\u63e1\u305b\u306d\u3070\u306a\u308a\u307e\u305b\u3093\u3002\u533b\u7642\u884c\u70ba\u306e\u53d6\u6368\u9078\u629e\u3001\u3064\u307e\u308a\u6d88\u8cbb\u8005\u3068\u3057\u3066\u81ea\u5206\u306e\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306e\u5229\u7528\u30d1\u30bf\u30fc\u30f3\u3092\u628a\u63e1\u3057\u3066\u3044\u308b\u3053\u3068\u3068\u3001\u30b5\u30fc\u30d3\u30b9\u306e\u8981\u4e0d\u8981\u3084\u5024\u6bb5\u3092\u541f\u5473\u3059\u308b\u3068\u3044\u3046\u8cac\u4efb\u3092\u8ca0\u308f\u3055\u308c\u3066\u3044\u308b\u3068\u3044\u3046\u3068\u3053\u308d\u3092\u304d\u3061\u3093\u3068\u7406\u89e3\u3057\u3066\u3044\u306a\u3044\u3068<strong>\u3001<a href=\"http:\/\/smartandresponsible.com\/blog\/how-to-select-health-insurance\/\" >\u601d\u3063\u3066\u3082\u3044\u306a\u3044\u9ad8\u984d\u306e\u533b\u7642\u8acb\u6c42\u3092\u53d7\u3051\u308b\u3053\u3068\u306b\u3082\u306a\u308a\u304b\u306d\u307e\u305b\u3093<\/a>\u3002<\/strong><\/p>\n<p>\u3068\u3044\u3046\u308f\u3051\u3067\u3001\u4eca\u56de\u306fFSA\u3001HSA\u3001HRA\u3092\u3072\u3068\u3064\u3072\u3068\u3064\u8abf\u3079\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>FSA\uff08Flexible Spending Account\uff09\uff1a<\/h2>\n<p>\u96c7\u7528\u4e3b\u304c\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3068\u3057\u3066\u63d0\u4f9b\u3059\u308b\u30d7\u30ed\u30b0\u30e9\u30e0\u3067\u3001\u901a\u5e38\u3001\u30aa\u30fc\u30d7\u30f3\u30fb\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u306e\u671f\u9593\u306b\u96c7\u7528\u4e3b\u3092\u901a\u3057\u3066\u53e3\u5ea7\u3092\u958b\u304d\u307e\u3059\u3002\u81ea\u5206\uff08\u5bb6\u65cf\uff09\u304c\u6765\u5e741\u5e74\uff081\/1\u304b\u308912\/31\uff09\u306b\u3044\u304f\u3089\u533b\u7642\u8cbb\u306b\u4f7f\u3046\u304b\u3092\u5272\u308a\u51fa\u3057\u307e\u3059\u3002\u305d\u306e\u91d1\u984d\u3092\u6708\u5272\u308a\u3057\u305f\u3082\u306e\u304c\u3001\u6bce\u6708\u306e\u7d66\u4e0e\u304b\u3089\u5929\u5f15\u304d\u3067\u3053\u306e\u53e3\u5ea7\u306b\u5165\u91d1\u3055\u308c\u307e\u3059\u3002\u3053\u306e\u5165\u91d1\u5206\u306fpre-tax\u30d9\u30fc\u30b9\u3067\u3059\uff08\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308a\u307e\u305b\u3093\uff09\u3002\u5165\u91d1\u3067\u304d\u308b\u984d\u306b\u306f\u4e0a\u9650\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u304a\u308a\u3001\u591a\u304f\u306e\u5834\u5408\u96c7\u7528\u8005\u3072\u3068\u308a\u306b\u3064\u304d$5000\/\u5e74\u307b\u3069\u3067\u3059\u30022013\u5e74\u304b\u3089\u306f\u3001\u4e00\u5f8b\u3069\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u3082$2500\/\u5e74\u306b\u4e0a\u9650\u304c\u5f15\u304d\u4e0b\u3052\u3089\u308c\u307e\u3059\u3002\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u308b\u305f\u3073\u3001\u3053\u306e\u53e3\u5ea7\u304b\u3089\u5fc5\u8981\u91d1\u984d\u3092\u5f15\u304d\u51fa\u3057\u3066\u4f7f\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u5b9f\u969b\u306f\u500b\u4eba\u304c\u7acb\u66ff\u3048\u3066\u6255\u3063\u3066\u304a\u3044\u3066\u3001\u3042\u3068\u3067\u53e3\u5ea7\u304b\u3089\u6255\u3044\u623b\u3057\u3092\u53d7\u3051\u308b\u3068\u3044\u3046\u5834\u5408\u304c\u591a\u3044\u3088\u3046\u3067\u3059\u3002FSA\u306f\u3001\u4ed6\u306e\u3075\u305f\u3064\u306e\u30bf\u30a4\u30d7\u306e\u3088\u3046\u306b\u3001\u7279\u5b9a\u306e\u5065\u5eb7\u4fdd\u967a\u3068\u62b1\u304d\u5408\u308f\u305b\u306b\u306a\u3063\u3066\u304a\u3089\u305a\u3001\u96c7\u7528\u4e3b\u306e\u63d0\u4f9b\u3059\u308b\u3069\u306e\u4fdd\u967a\u30d7\u30e9\u30f3\u3092\u3092\u9078\u3093\u3067\u3082\u3001\u5229\u7528\u3067\u304d\u308b\u3053\u3068\u304c\u591a\u3044\u3088\u3046\u3067\u3059\u3002<\/p>\n<p>\u6ce8\u610f\u304c\u5fc5\u8981\u306a\u306e\u306f\u3075\u305f\u3064\u3002\u307e\u305a\u3001<strong>\u3053\u306e\u53e3\u5ea7\u306e\u304a\u91d1\u306f\u3053\u306e1\u5e74\u9593\u306e\u9593\u306b\u4f7f\u3044\u5207\u3089\u306d\u3070\u306a\u308a\u307e\u305b\u3093\uff08\u8a02\u6b63\uff1a2016\u5e74\u5ea6\u3088\u308a\u3001$500\u3092\u9650\u5ea6\u306b\u6b21\u5e74\u5ea6\u3078\u306e\u7e70\u308a\u8d8a\u3057\u304c\u8a31\u3055\u308c\u308c\u308b\u6cd5\u6539\u6b63\u304c\u3042\u308a\u307e\u3057\u305f\u3002\u305f\u3060\u3001\u5b9f\u969b\u306b\u8a31\u3059\u304b\u3069\u3046\u304b\u306f\u500b\u3005\u306e\u4f1a\u793e\u306b\u8a17\u3055\u308c\u3066\u3044\u308b\u306e\u3067\u3001HR\u306b\u3054\u78ba\u8a8d\u304f\u3060\u3055\u3044\uff09\u3002<\/strong>\u3082\u3057\u6b8b\u91d1\u304c\u3042\u308b\u5834\u5408\u306f\u6ca1\u53ce\u3055\u308c\u307e\u3059\u3002\u3067\u3059\u304b\u3089\u30011\u5e74\u306e\u9593\u306b\u3069\u306e\u304f\u3089\u3044\u306e\u533b\u7642\u8cbb\u304c\u5fc5\u8981\u304b\u3068\u3044\u3046\u3042\u308b\u7a0b\u5ea6\u6b63\u78ba\u306a\u8a08\u753b\u304c\u5fc5\u8981\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u7d30\u304b\u3044copay\u3084\u51e6\u65b9\u7b8b\u306a\u3069\u3088\u308a\u306f\u3001LASIK\u306a\u3069\u306e\u8996\u529b\u77ef\u6b63\u624b\u8853\u3084\u6b6f\u79d1\u77ef\u6b63\u306a\u3069\u3001\u9ad8\u984d\u306e\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u308b\u4e88\u5b9a\u304c\u3042\u308b\u5834\u5408\u306a\u3069\u306b\u6bd4\u8f03\u7684\u8a08\u753b\u304c\u5bb9\u6613\u3067\u3057\u3087\u3046\u3002\u306a\u308b\u3079\u304f\u6b63\u78ba\u306b\u5fc5\u8981\u3068\u306a\u308b\u533b\u7642\u8cbb\u3092\u5272\u308a\u51fa\u3057\u3001\u305d\u306e\u984d\u306e\u5c11\u3057\u5c11\u306a\u3081\u3092\u5165\u91d1\u3057\u3066\u3001\u8db3\u308a\u306a\u3051\u308c\u3070\u90fd\u5ea6\u624b\u6301\u3061\u306e\u304a\u91d1\u3067\u30ab\u30d0\u30fc\u3059\u308b\u3068\u3044\u3046\u65b9\u6cd5\u304c\u5b89\u5168\u3067\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<p>\u3082\u3046\u3072\u3068\u3064\u306e\u6ce8\u610f\u70b9\u306f<strong>\u3001\u3059\u3079\u3066\u306e\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u304c\u5bfe\u8c61\u3067\u306f\u306a\u3044\u3053\u3068<\/strong>\u3002\u305f\u3068\u3048\u3070\u5be9\u7f8e\u52b9\u679c\u306e\u305f\u3081\u3060\u3051\u306e\u6574\u5f62\u624b\u8853\u306a\u3069\u306f\u5bfe\u8c61\u306b\u306a\u308a\u307e\u305b\u3093\u3002\u3053\u308c\u306f\u6975\u7aef\u306a\u4f8b\u306b\u3057\u308d\u3001\u81ea\u5206\u304c\u53d7\u3051\u3088\u3046\u3068\u601d\u3063\u3066\u3044\u308b\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3084\u533b\u7642\u54c1\u304cFSA\u306e\u5bfe\u8c61\u30a2\u30a4\u30c6\u30e0\u304b\u3069\u3046\u304b\u3092\u304d\u3061\u3093\u3068\u78ba\u8a8d\u3057\u3066\u304a\u304f\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u3053\u306e\u5bfe\u8c61\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3084\u533b\u7642\u54c1\u306e\u30ea\u30b9\u30c8\u306f\u5e74\u3005\u898b\u76f4\u3055\u308c\u3001\u7e2e\u5c0f\u3055\u308c\u308b\u50be\u5411\u306b\u3042\u308a\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u30012010\u5e74\u672b\u307e\u3067\u306fOTC\u30c9\u30e9\u30c3\u30b0\uff08over the counter drug=\u85ac\u5c40\u3067\u666e\u901a\u306b\u58f2\u3063\u3066\u3044\u308b\u85ac\uff09\u306f\u5bfe\u8c61\u30a2\u30a4\u30c6\u30e0\u3067\u3057\u305f\u304c\u30012011\u5e741\u6708\u3088\u308aOTC\u30c9\u30e9\u30c3\u30b0\u306f\u533b\u5e2b\u306e\u51e6\u65b9\u7b8b\u304c\u3042\u308b\u5834\u5408\u306e\u307f\u5bfe\u8c61\u3068\u3055\u308c\u308b\u3053\u3068\u306b\u5909\u66f4\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u3060\u3044\u305f\u3044\u306eFSA\u5bfe\u8c61\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u304a\u3088\u3073\u533b\u7642\u54c1\u306f<a target=\"_blank\" href=\"https:\/\/www.fsafeds.com\/fsafeds\/eligibleexpenses.asp\" >\u3053\u3061\u3089\u306e\u30b5\u30a4\u30c8<\/a>\u3067\u78ba\u8a8d\u3067\u304d\u307e\u3059\u3002\u3053\u306e\u30b5\u30a4\u30c8\u306fFederal Government\u306e\u63d0\u4f9b\u3059\u308bFSA\u30d7\u30ed\u30b0\u30e9\u30e0\u3067\u3059\u306e\u3067\u3001\u53c2\u8003\u3068\u3057\u3066\u304a\u4f7f\u3044\u3044\u305f\u3060\u304f\u306e\u306b\u306f\u6709\u52b9\u3067\u3059\u304c\u3001\u5b9f\u969b\u4e0a\u306f\u3054\u81ea\u5206\u306e\u52a0\u5165\u3055\u308c\u308bFSA\u30d7\u30ed\u30b0\u30e9\u30e0\u306b\u3064\u3044\u3066\u8a73\u7d30\u3092\u3054\u78ba\u8a8d\u304f\u3060\u3055\u3044\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>HSA\uff08Health Savings Account\uff09\uff1a<\/h2>\n<p>\u3053\u3061\u3089\u306f<strong>High Deductible Health Plan(\u4fdd\u967a\u6599\u304c\u4f4e\u3044\u5206\u3001Deductible\u304c\u9ad8\u304f\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u308b\u5065\u5eb7\u4fdd\u967a\u3002\u591a\u304f\u306e\u5834\u5408\u306fPPO\u30bf\u30a4\u30d7)\u306b\u52a0\u5165\u3057\u3066\u3044\u308b\u4eba\u306b\u9650\u308a\u3001\u958b\u304f\u3053\u3068\u304c\u3067\u304d\u308b<\/strong>\u53e3\u5ea7\u3067\u3059\u3002\u81ea\u5206\u306e\u4fdd\u967a\u304c\u3053\u306e\u30bf\u30a4\u30d7\u306b\u8a72\u5f53\u3059\u308b\u304b\u3092\u30c1\u30a7\u30c3\u30af\u3059\u308b\u305f\u3081\u306b\u306f\u3001\u4fdd\u967a\u306e\u8aac\u660e\u3092\u3088\u304f\u8aad\u3080\u3068\u3001\u8a72\u5f53\u306e\u5834\u5408\u306b\u306f\u300cHSA Eligible\u300d\u3068\u66f8\u3044\u3066\u3042\u308b\u306f\u305a\u3067\u3059\u3002High Deductible Health Plan\u306f\u3001\u3042\u308b\u4e00\u5b9a\u306e\u984d\uff08Deductible\uff09\u3092\u6d88\u8cbb\u8005\u304c\u8ca0\u62c5\u3057\u7d42\u3048\u308b\u307e\u3067\u306f\u3001\u4fdd\u967a\u306e\u30ab\u30d0\u30fc\u304c\u767a\u751f\u3057\u307e\u305b\u3093\u3002\u3053\u306eHSA\u306e\u76ee\u7684\u306f\u3001HSA\u53e3\u5ea7\u306b\u304a\u91d1\u3092\u8caf\u3081\u3066\u304a\u304d\u3001Deductible\u3092\u6e80\u305f\u3059\u307e\u3067\u306e\u533b\u7642\u8cbb\u3092\u305d\u3053\u304b\u3089\u4f7f\u3046\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002\u307e\u305f\u3001Deductible\u3092\u6e80\u305f\u3057\u305f\u5f8c\u306b\u767a\u751f\u3059\u308bcoinsurance\u306a\u3069\u306e\u533b\u7642\u8cbb\u306b\u3082\u4f7f\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>HSA\u306f\u3001\u96c7\u7528\u4e3b\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u306e\u4e00\u90e8\u3068\u3057\u3066\u63d0\u4f9b\u3055\u308c\u96c7\u7528\u4e3b\u3092\u901a\u3057\u3066\u53e3\u5ea7\u3092\u958b\u304f\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3057\u3001\u96c7\u7528\u4e3b\u3068\u306f\u95a2\u4fc2\u306a\u304f\u81ea\u5206\u3067\u91d1\u878d\u6a5f\u95a2\u306b\u51fa\u5411\u304d\u76f4\u63a5\u53e3\u5ea7\u3092\u958b\u304f\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3002\u5f8c\u8005\u306e\u5834\u5408\u3001IRA(Individual Retirement Account)\u3068\u611f\u899a\u7684\u306b\u4f3c\u3066\u3044\u307e\u3059\u3002\u305f\u3060Retirement\u306e\u305f\u3081\u3067\u306f\u306a\u304f\u3001Health\u306e\u305f\u3081\u306e\u53e3\u5ea7\u3067\u3042\u308b\u3068\u3044\u3046\u306e\u304c\u9055\u3044\u3067\u3059\u3002IRA\u540c\u69d8\u3001\u5165\u91d1\u3057\u305f\u304a\u91d1\u3092\u6295\u8cc7\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3002\u5165\u91d1\u3067\u304d\u308b\u984d\u306e2012\u5e74\u306e\u4e0a\u9650\u306f\u3001\u500b\u4eba\u3067$3,100\u3001\u5bb6\u65cf\u3067$6,250\u30012013\u5e74\u306f\u305d\u308c\u305e\u308c$3,250\u3001$6,450\u3067\u3059\u3002\u30ab\u30d5\u30a7\u30c6\u30ea\u30a2 \u30d7\u30e9\u30f3\u306a\u3069\u3001\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u306e\u4e00\u90e8\u3068\u3057\u3066\u96c7\u7528\u4e3b\u304c\u5165\u91d1\u3057\u3066\u304f\u308c\u308b\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u5834\u5408\u306e\u96c7\u7528\u4e3b\u306e\u5165\u91d1\u306fpre-tax\u30d9\u30fc\u30b9\uff08\u6240\u5f97\u7a0e\u304c\u304b\u304b\u3089\u305a\uff09\u3067\u3042\u308a\u3001\u307e\u305f\u500b\u4eba\u3067\u306e\u5165\u91d1\u306ftax deductible\uff08\u6240\u5f97\u7a0e\u63a7\u9664\u306e\u5bfe\u8c61\uff09\u3067\u3059\u3002\u307e\u305f\u3001\u6295\u8cc7\u306b\u3068\u3063\u3066\u5f97\u305f\u5229\u5b50\u3082non-taxable\uff08\u975e\u8ab2\u7a0e\uff09\u3067\u3059\u3002<\/p>\n<p>\u3053\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u306b\u3082\u3001<strong><a target=\"_blank\" href=\"http:\/\/www.hdhpexpert.com\/wp-content\/uploads\/2011\/09\/HDHPexpert_HSA_Eligible_Expenses_2011.pdf\" >\u8a72\u5f53\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u30fb\u533b\u7642\u54c1\u304c\u6307\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059<\/a><\/strong>\u3002FSA\u3068\u540c\u69d8\u3001\u8a72\u5f53\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u30fb\u533b\u7642\u54c1\u306b\u51fa\u8cbb\u304c\u3042\u308b\u5834\u5408\u306f\u3001\u3053\u306e\u53e3\u5ea7\u304b\u3089\u5f15\u304d\u51fa\u3057\u3066\u4f7f\u3046\u308f\u3051\u3067\u3059\u304c\u3001Debit\u30ab\u30fc\u30c9\u3092\u767a\u884c\u3055\u308c\u3001\u76f4\u63a5\u652f\u6255\u3044\u304c\u3067\u304d\u308b\u3082\u306e\u3082\u591a\u3044\u3088\u3046\u3067\u3059\u3002FSA\u3068\u7570\u306a\u308b\u70b9\u306f\u3001<strong>\u3053\u306e\u53e3\u5ea7\u306e\u6b8b\u9ad8\u306f\u5c06\u6765\u306e\u305f\u3081\u306b\u6301\u3061\u8d8a\u3059\u3053\u3068\u304c\u3067\u304d\u308b<\/strong>\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002FSA\u306e\u3088\u3046\u306b1\u5e74\u306e\u7d42\u308f\u308a\u306b\u6b8b\u91d1\u304c\u6ca1\u53ce\u3055\u308c\u308b\u3088\u3046\u306a\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u306e\u3067\u3001\u591a\u3081\u306b\u8caf\u3081\u3066\u304a\u3044\u3066\u5c06\u6765\u306e\u533b\u7642\u8cbb\u306b\u5099\u3048\u308b\u3068\u3044\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>HRA(Health Reimbursement Arrangement)\uff1a<\/h2>\n<p>HRA\u3082\u3001\u533b\u7642\u8cbb\u3092\u6255\u3046\u305f\u3081\u306e\u3057\u304f\u307f\u3067\u3042\u308b\u3068\u3044\u3046\u610f\u5473\u3067\u306f\u4e0a\u8a18\u306e\u3075\u305f\u3064\u3068\u4f3c\u901a\u3063\u3066\u3044\u307e\u3059\u3002\u305f\u3060\u3057\u3001\u5927\u304d\u306a\u9055\u3044\u3082\u3042\u308a\u307e\u3059\u3002\u307e\u305a\u3001\u305d\u306e\u540d\u306e2\u8a9e\u76ee\u306bReimbursement\uff08\u6255\u3044\u623b\u3057\uff09\u3068\u3044\u3046\u8a00\u8449\u304c\u3042\u308a\u307e\u3059\u306d\u3002\u3053\u308c\u306f\u3001\u3044\u3063\u305f\u3093\u6d88\u8cbb\u8005\u304c\u652f\u6255\u3063\u305f\u533b\u7642\u8cbb\u3092\u3042\u3068\u3067\u6255\u3044\u623b\u3059\u3057\u304f\u307f\u3067\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3092\u610f\u5473\u3057\u3066\u3044\u307e\u3059\u3002\u305d\u308c\u304b\u30893\u8a9e\u76ee\u3001Arrangement\uff08\u3057\u304f\u307f\uff09\u3068\u3044\u3046\u8a00\u8449\u304c\u3042\u308a\u307e\u3059\u306d\u3002\u3053\u308c\u306f\u3001Account\uff08\u53e3\u5ea7\uff09\u3067\u306f\u306a\u304f\u3066\u3057\u304f\u307f\u3001\u3042\u308b\u3044\u306f\u30b7\u30b9\u30c6\u30e0\u3067\u3042\u308b\u3053\u3068\u3092\u610f\u5473\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>HRA\u306f\u3001\u96c7\u7528\u4e3b\u304c\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u306e\u4e00\u90e8\u3068\u3057\u3066\u63d0\u4f9b\u3059\u308b\u533b\u7642\u8cbb\u3092\u6255\u3044\u623b\u3059\u305f\u3081\u306e\u3057\u304f\u307f\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u300c1\u5e74\u3042\u305f\u308a$2,000\u307e\u3067\u3001\u8a72\u5f53\u8cbb\u7528\u3092\u6255\u3044\u623b\u3057\u3066\u3042\u3052\u307e\u3059\u300d\u306a\u3069\u306e\u3088\u3046\u306b\u3001\u96c7\u7528\u4e3b\u304c\u6255\u3044\u623b\u3057\u306e\u4e0a\u9650\u3084\u3001\u8a72\u5f53\u8cbb\u7528\u306a\u3069\u306e\u8a73\u7d30\u3092\u6c7a\u3081\u307e\u3059\u3002$2,000\u306f\u6255\u3044\u623b\u3057\u306e\u4e0a\u9650\u3068\u3057\u3066\u8a2d\u5b9a\u3055\u308c\u305f\u984d\u3067\u3042\u3063\u3066\u3001\u53e3\u5ea7\u3078\u306e\u5165\u91d1\u306e\u3088\u3046\u306b\u96c7\u7528\u8005\u306b\u76f4\u63a5\u652f\u6255\u308f\u308c\u308b\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002HRA\u306f\u901a\u5e38\u3001High Deductible Health Plan\u3068\u62b1\u304d\u5408\u308f\u305b\u3067\uff08\u533b\u7642\u4fdd\u967a\u3068HRA\u304c\u5408\u4f53\u3057\u305f\u304b\u305f\u3061\u3067\uff09\u63d0\u4f9b\u3055\u308c\u308b\u3088\u3046\u3067\u3059\u3002\u6255\u3044\u623b\u3057\u306e\u4e0a\u9650\u3001\u8a72\u5f53\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u30fb\u533b\u7642\u54c1\u3001\u6255\u3044\u623b\u3057\u306e\u624b\u9806\u3001\u6b8b\u9ad8\u306e\u7fcc\u5e74\u3078\u306e\u7e70\u8d8a\u306e\u6709\u7121\u3068\u305d\u306e\u4ed5\u65b9\u306a\u3069\u3001<strong>\u591a\u304f\u306e\u4e8b\u9805\u304c\u96c7\u7528\u4e3b\u306e\u88c1\u91cf\u4e0b\u306b\u3042\u308a\u3001\u96c7\u7528\u4e3b\u3054\u3068\u306b\u5185\u5bb9\u304c\u5909\u308f\u308a\u307e\u3059<\/strong>\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u6c17\u306b\u7559\u3081\u305f\u3044\u3053\u3068<\/h2>\n<p>FSA\u3001HSA\u3001HRA\u306e\u3069\u308c\u3082\u304c\u3001\u533b\u7642\u8cbb\u306e\u305f\u3081\u306b\u304a\u91d1\u3092\u8caf\u3081\u3066\u304a\u3044\u305f\u308a\u3001\u96c7\u7528\u4e3b\u304b\u3089\u8fd4\u91d1\u3092\u3046\u3051\u305f\u308a\u3059\u308b\u3057\u304f\u307f\u3067\u3059\u304b\u3089\u3001\u305d\u308c\u81ea\u4f53\u304c\u300c\u5371\u967a\u306a\u3082\u306e\u300d\u3068\u3044\u3046\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u305f\u3060\u3001<strong>\u3053\u308c\u3089\u306e\u3057\u304f\u307f\u3068\u62b1\u304d\u5408\u308f\u305b\u306b\u306a\u3063\u3066\u3044\u308b\u5065\u5eb7\u4fdd\u967a\u306e\u5185\u5bb9\u3092\u3088\u304f\u308f\u304d\u307e\u3048\u3066\u304a\u304f\u5fc5\u8981\u304c\u3042\u308b<\/strong>\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u75c5\u6c17\u3084\u602a\u6211\u306f\u3059\u3079\u3066\u4e88\u671f\u3067\u304d\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u304b\u3089\u3001\u9ad8\u984d\u306e\u533b\u7642\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u3068\u304d\u306b\u300c\u3053\u3093\u306a\u306f\u305a\u3067\u306f\u306f\u304b\u3063\u305f\u300d\u3068\u306a\u3089\u306a\u3044\u3088\u3046\u3001\u4fdd\u967a\u306e\u30ab\u30d0\u30fc\u3059\u308b\u7bc4\u56f2\u3068\u81ea\u5206\u306e\u8ca0\u62c5\u8cac\u4efb\u7bc4\u56f2\u3092\u304d\u3061\u3093\u3068\u7406\u89e3\u3057\u3066\u304a\u304d\u305f\u3044\u3082\u306e\u3067\u3059\u3002<\/p>\n<p>HRA\u3084HSA\u306f\u3001\u3046\u307e\u304f\u4f7f\u3048\u3070\uff08\u307e\u305f\u6bd4\u8f03\u7684\u5065\u5eb7\u3067\u3042\u308c\u3070\uff09\u533b\u7642\u30c8\u30fc\u30bf\u30eb\u30b3\u30b9\u30c8\u306e\u5927\u304d\u306a\u7bc0\u7d04\u306b\u3064\u306a\u304c\u308a\u307e\u3059\u3002\u6700\u8fd1\u3067\u306f\u3001\u96c7\u7528\u4e3b\u304c\u3053\u306e\u70b9\u3092\u3046\u305f\u3044\u6587\u53e5\u306b\u3001\u96c7\u7528\u8005\u306b\u5bfe\u3057High Deductible Health Plan \uff0bHRA(\u3042\u308b\u3044\u306fHSA)\u5408\u4f53\u30d7\u30e9\u30f3\u3078\u306e\u4e57\u308a\u63db\u3048\u3092\u5968\u52b1\u3059\u308b\u50be\u5411\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u306e\u88cf\u306b\u306f\u3001\u4e0a\u304c\u308a\u7d9a\u3051\u308b\u533b\u7642\u30b3\u30b9\u30c8\u3068\u3044\u3046\u554f\u984c\u3068\u3001\u5065\u5eb7\u4fdd\u967a\u6599\u306e\u96c7\u7528\u4e3b\u5074\u306e\u8ca0\u62c5\u3092\u5c11\u3057\u3067\u3082\u8efd\u6e1b\u3057\u305f\u3044\u3068\u3044\u3046\u5f37\u3044\u30cb\u30fc\u30ba\u304c\uff08\u96c7\u7528\u4e3b\u306b\uff09\u3042\u308b\u3053\u3068\u3092\u308f\u305f\u3057\u305f\u3061\u306f\u5fd8\u308c\u305a\u306b\u3044\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002\u96c7\u7528\u4e3b\u306b\u3068\u3063\u3066\u306f\u3001\u5f93\u6765\u306e\u5065\u5eb7\u4fdd\u967a\u6599\u3088\u308a\u3082High Deductible Health Plan\u306e\u4fdd\u967a\u6599\u306e\u307b\u3046\u304c\u305a\u3063\u3068\u30b3\u30b9\u30c8\u524a\u6e1b\u304c\u3067\u304d\u308b\u3046\u3048\u3001\u3068\u304f\u306bHRA\u306fHSA\u306b\u6bd4\u3079\u3066\u96c7\u7528\u4e3b\u306e\u81ea\u5df1\u88c1\u91cf\u7bc4\u7587\u304c\u5e83\u3044\u305f\u3081\u3001\u81ea\u5206\u305f\u3061\u306b\u6709\u5229\u306a\u3088\u3046\u306b\u904b\u55b6\u304c\u3067\u304d\u308b\u3068\u3044\u3046\u80cc\u666f\u3082\u3042\u308b\u306e\u3067\u3059\u3002\u3053\u308c\u306f\u8a00\u3044\u63db\u3048\u3066\u307f\u308c\u3070\u3001<strong>\u4fdd\u967a\u4f1a\u793e\u3084\u96c7\u7528\u4e3b\u304c\u8ca0\u62c5\u3059\u308b\u5206\u304c\u8efd\u6e1b\u3055\u308c\u3001\u305d\u306e\u5206\u8ca0\u62c5\u304c\u96c7\u7528\u8005\u306b\u79fb\u884c\u3055\u308c\u305f\u3068\u3044\u3046\u3053\u3068<\/strong>\u3067\u3082\u3042\u308a\u307e\u3059\u3002\u96c7\u7528\u8005\u306b\u3068\u3063\u3066\u3082\u3001\u5065\u5eb7\u3067\u307b\u3068\u3093\u3069\u304a\u533b\u8005\u3055\u3093\u306b\u304b\u304b\u3089\u306a\u3044\u306e\u3067\u3042\u308c\u3070\u3001\u5927\u304d\u304f\u30b3\u30b9\u30c8\u524a\u6e1b\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u53cd\u5bfe\u306b\u9ad8\u5ea6\u306a\u533b\u7642\u304c\u5fc5\u8981\u306a\u72b6\u6cc1\u306b\u306a\u3063\u305f\u5834\u5408\u3001\u4eca\u307e\u3067\u306b\u306a\u3044\u5927\u304d\u306a\u8ca0\u62c5\u3092\u62b1\u3048\u308b\u3053\u3068\u306b\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<strong>\u304b\u306a\u308a\u30e9\u30c3\u30ad\u30fc\u306a\u5834\u5408\u3082\u3042\u308c\u3070\u3001\u304b\u306a\u308a\u30a2\u30f3\u30e9\u30c3\u30ad\u30fc\u306a\u5834\u5408\u3082\u3042\u308b\u3057\u304f\u307f<\/strong>\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u3044\u305a\u308c\u306b\u305b\u3088\u3001\u81ea\u5206\u306e\u30cb\u30fc\u30ba\u3092\u77e5\u308a\u3001\u7d0d\u5f97\u306e\u3067\u304d\u308b\u9078\u629e\u3092\u3057\u3066\u3044\u304d\u305f\u3044\u3067\u3059\u306d\uff08\u3068\u3066\u3082\u9762\u5012\u3067\u3059\u304c\uff09\u3002\u3061\u306a\u307f\u306b\u3001\u305d\u306e\u3000<a href=\"http:\/\/smartandresponsible.com\/blog\/how-to-choose-health-insuranc\/\" >\u9078\u629e\u306e\u904e\u7a0b~\u6211\u304c\u5bb6\u306e\u5834\u5408\u306f\u3053\u3061\u3089<\/a>\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>HMO, PPO, POS, FSA, HSA, HRA\u2026 \u3069\u308c\u3082\u3001\u30a2\u30e1\u30ea\u30ab\u306e\u5065\u5eb7\u4fdd\u967a\u306b\u95a2\u4fc2\u3057\u305f3\u6587\u5b57\u7565\u8a9e\u3067\u3059\u3002\u30a2\u30e1\u30ea\u30ab\u306e\u533b\u7642\u8cbb\u306f\u6bce\u5e74\u81a8\u5f35\u3059\u308b\u4e00\u65b9\u3067\u3059\u304c\u3001\u305d\u308c\u306b\u6bd4\u4f8b\u3057\u3066\u3053\u306e3\u6587\u5b57\u7565\u8a9e\u3082\u5897\u52a0\u306e\u4e00\u65b9\u3067\u3059\u3002\u6bce\u5e74\u306e\u30aa\u30fc\u30d7\u30f3\u30fb\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u306e\u305f\u3073\u306b\u3001\u4fdd\u967a\u6599\u306f\u3069\u3093\u3069\u3093\u4e0a\u304c\u3063\u3066\u3044\u304f\u3057\u3001\u65b0\u3057\u3044\u5065\u5eb7\u4fdd\u967a\u306f\u8ffd\u52a0\u3055\u308c\u308b\u3057\u3001\u4eca\u307e\u3067\u306e\u3082\u306e\u3082\u5909\u66f4\u3055\u308c\u305f\u308a\u3067\u3001\u306a\u306b\u304c\u306a\u306b\u3084\u3089\u3002\u3044\u3063\u305f\u3044\u3069\u306e\u5065\u5eb7\u4fdd\u967a\u3092\u9078\u3079\u3070\u3044\u3044\u306e\u304b\u3068\u982d\u3092\u60a9\u307e\u3059\u65b9\u3082\u591a\u3044\u306e\u3067\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002\u6700\u521d\u306e\uff13\u3064\u306f\u3053\u3061\u3089\u3067\u3054\u7d39\u4ecb\u3057\u307e\u3057\u305f\u306e\u3067\u3001\u4eca\u56de\u306f\u5f8c\u306e\uff13\u3064\u3092\u8003\u3048\u307e\u3059\u3002<\/p>\n","protected":false},"author":1,"featured_media":3985,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[8],"tags":[42,73,56],"class_list":["post-1574","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-healthinsurance","tag-choosing-insurance","tag-healthinsurance","tag-protect-your-family"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP-dollar-bills.jpeg?fit=467%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-po","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1574","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/comments?post=1574"}],"version-history":[{"count":7,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1574\/revisions"}],"predecessor-version":[{"id":3433,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/1574\/revisions\/3433"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/3985"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=1574"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=1574"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=1574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}