{"id":3197,"date":"2015-01-13T09:26:40","date_gmt":"2015-01-13T17:26:40","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=3197"},"modified":"2017-11-03T08:41:42","modified_gmt":"2017-11-03T16:41:42","slug":"health-savings-account","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/health-savings-account\/","title":{"rendered":"Health Savings Account(HSA)\u3092\u5229\u7528\u3057\u306a\u304d\u3083\u640d!?"},"content":{"rendered":"

High Deductible Health Plan\uff08\u4ee5\u4e0bHigh Deductible\u30d7\u30e9\u30f3\u3068\u3059\u308b\uff09\u3068\u547c\u3070\u308c\u308b\u5065\u5eb7\u4fdd\u967a\u3092\u304a\u6301\u3061\u306e\u65b9\u3082\u591a\u3044\u3067\u3057\u3087\u3046\u30022015\u5e74\u306e\u6307\u6a19\u3067\u306f\u3001Deductible\u304c\u500b\u4eba\u3067$1,300\u4ee5\u4e0a\u3001\u30d5\u30a1\u30df\u30ea\u30fc\u3067\u3067$2,600\u4ee5\u4e0a\u3067\u3042\u308a\uff082016\u5e74\u30012017\u5e74\u3082\u3053\u306e\u6570\u5b57\u306f\u540c\u69d8\uff09\u3001Out-of-pocket Maximum\u304c\u500b\u4eba\u3067$6,450\u307e\u3067\u3001\u30d5\u30a1\u30df\u30ea\u30fc\u3067\uff0412,900\u307e\u3067\uff082016\u5e74\u30012017\u5e74\u306f\u305d\u308c\u305e\u308c$6,550\u3001$13,100\uff09\u3067\u3042\u308b\u3082\u306e\u304cHigh Deductible\u30d7\u30e9\u30f3\u3068\u5b9a\u7fa9\u3055\u308c\u307e\u3059\u3002High Deductible\u30d7\u30e9\u30f3\u306f\u3001\u75c5\u6c17\u3092\u3042\u307e\u308a\u3057\u306a\u3051\u308c\u3070\u4fdd\u967a\u6599\u91d1\u304c\u5927\u304d\u304f\u7bc0\u7d04\u3067\u304d\u308b\u3053\u3068\u3068\u3001Health Savings Account(HSA)\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u3067\u9577\u671f\u7684\u306a\u8caf\u84c4\u6295\u8cc7\u52b9\u679c\u3082\u5f97\u3089\u308c\u308b\u3053\u3068\u304b\u3089\u3001\u6700\u8fd1\u3067\u306f\u4eba\u6c17\u304c\u9ad8\u307e\u308a\u6025\u901f\u306b\u30b7\u30a7\u30a2\u3092\u4f38\u3070\u3057\u3066\u3044\u307e\u3059\u3002High Deductible\u30d7\u30e9\u30f3\u306b\u306f\u8cdb\u5426\u4e21\u8ad6\u304c\u3042\u308a\u3001\u3042\u307e\u308a\u75c5\u6c17\u3092\u3057\u306a\u3044\u5206\u306b\u306f\u975e\u5e38\u306b\u304a\u5f97\u3067\u3042\u308b\u4e00\u65b9\u3067\u3001\u3044\u3063\u305f\u3093\u75c5\u6c17\u306b\u306a\u308b\u3068\u5927\u304d\u306a\u533b\u7642\u8cbb\u3092\u62b1\u3048\u308b\u53ef\u80fd\u6027\u3082\u3042\u308b\u3068\u3044\u3046\u5371\u967a\u6027\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u3053\u306e\u8ab2\u984c\u306b\u3064\u3044\u3066\u306f\u6b21\u56de\u306b\u3057\u3066\u3001\u4eca\u56de\u306fHigh Deductible\u30d7\u30e9\u30f3\u3068\u3068\u3082\u306b\u6ce8\u76ee\u3092\u96c6\u3081\u3066\u3044\u308bHSA\u306b\u3064\u3044\u3066\u53d6\u308a\u4e0a\u3052\u307e\u3059\u3002<\/p>\n

 <\/p>\n

High Deductible\u30d7\u30e9\u30f3\u306b\u5165\u3063\u3066\u3044\u308b\u306a\u3089HSA\u3092\u8003\u616e\u3059\u308b<\/h2>\n

\u96c7\u7528\u4e3b\u304cHigh Deductible\u30d7\u30e9\u30f3\u3092\u63d0\u4f9b\u3059\u308b\u5834\u5408\u306f\u3001\u3075\u3064\u3046HSA\u3068\u30da\u30a2\u3067\u63d0\u4f9b\u3057\u3066\u3044\u308b\u5834\u5408\u304c\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u8a00\u3063\u3066\u307f\u308c\u3070HSA\u306fHigh Deductible\u30d7\u30e9\u30f3\u306e\u9b45\u529b\u5ea6\u3092\u30a2\u30c3\u30d7\u3057\u3001High Deductible\u30d7\u30e9\u30f3\u3092\u30d7\u30ed\u30e2\u30fc\u30c8\u3059\u308b\u305f\u3081\u306e\u300c\u7518\u5473\u6599\u300d\u7684\u306a\u610f\u5473\u5408\u3044\u304c\u3042\u308a\u307e\u3059\u3002\u3055\u3089\u306b\u306f\u96c7\u7528\u4e3b\u304c\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u306e\u4e00\u90e8\u3068\u3057\u3066HSA\u306b\u3044\u304f\u3089\u304b\u304a\u91d1\u3092\u5165\u308c\u3066\u304f\u308c\u308b\u3053\u3068\u3082\u3042\u308a\u3001\u305d\u306e\u5834\u5408\u306f\u9b45\u529b\u304c\u3055\u3089\u306b\u30a2\u30c3\u30d7\u3057\u307e\u3059\u3002\u96c7\u7528\u4e3b\u63d0\u4f9b\u306e\u5834\u5408\u306f\u3001\u96c7\u7528\u4e3b\u306e\u4eba\u4e8b\u90e8\u3092\u901a\u3057\u3066\u304b\u3001\u3042\u308b\u3044\u306f\u6700\u8fd1\u3067\u306f\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u30b5\u30a4\u30c8\u3067\u3001High Deductible\u30d7\u30e9\u30f3\u3068HAS\u3068\u306e\u4e21\u65b9\u306b\u52a0\u5165\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u306e\u3067\u7c21\u5358\u3067\u3059\u3002\u3075\u305f\u3064\u30bb\u30c3\u30c8\u3067\u52a0\u5165\u3059\u308b\u4eba\u3082\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u4e00\u65b9\u3067\u500b\u4eba\u3067High Deductible\u30d7\u30e9\u30f3\u306b\u5165\u3063\u3066\u3044\u308b\u65b9\u306e\u5834\u5408\u3001\u610f\u5916\u3068HSA\u306e\u3053\u3068\u3092\u77e5\u3089\u306a\u3044\u3067\u3044\u308b\u65b9\u3082\u3044\u3089\u3063\u3057\u3083\u308b\u3088\u3046\u3067\u3059\u3002<\/p>\n

\u3082\u3057\u3082\u3054\u81ea\u5206\u306e\u5065\u5eb7\u4fdd\u967a\u304cHigh Deductible\u30d7\u30e9\u30f3\u3067\u3042\u308b\u5834\u5408\u306f\u3001\u305c\u3072\u3068\u3082\u3053\u306eHSA\u306e\u5229\u7528\u3092\u8003\u616e\u3055\u308c\u308b\u3053\u3068\u3092\u304a\u52e7\u3081\u3057\u307e\u3059\u3002\u306a\u3093\u3089\u304b\u306e\u7406\u7531\u3067HSA\u306f\u4e0d\u8981\u3068\u5224\u65ad\u3057\u305f\u5834\u5408\u306a\u3089\u3068\u3082\u304b\u304f\u3001High Deductible\u30d7\u30e9\u30f3\u306b\u5165\u3063\u3066\u3044\u308b\u306e\u306b\u3001\u300c\u7518\u5473\u6599\u300d\u3067\u3042\u308bHSA\u3092\u5229\u7528\u3057\u306a\u3044\u3053\u3068\u306f\u3001\u305b\u3063\u304b\u304f\u306e\u304a\u3044\u3057\u3044\u3068\u3053\u308d\u3092\u6d3b\u7528\u3057\u306a\u3044\u3067\u3044\u308b\u3088\u3046\u306a\u3053\u3068\u306b\u3082\u306a\u308a\u307e\u305b\u3093\u3002High Deductible\u3092\u81ea\u5206\u3067\u6255\u308f\u306d\u3070\u306a\u3089\u306a\u3044\u30cf\u30a4\u30ea\u30b9\u30af\u306e\u5206\u3092\u3001HSA\u3068\u3044\u3046\u9b45\u529b\u7684\u306a\u304a\u307e\u3051\u3067\u88dc\u3046\u3068\u3044\u3046\u610f\u5473\u5408\u3044\u304c\u3042\u308b\u308f\u3051\u3067\u3001\u305d\u306e\u304a\u307e\u3051\u3092\u7121\u8996\u3057\u3066\u3044\u308b\u3053\u3068\u306f\u3082\u3063\u305f\u3044\u306a\u3044\u3053\u3068\u3067\u3059\u3002<\/p>\n

 <\/p>\n

HSA\u3063\u3066\u4f55\uff1f<\/h2>\n

HSA\u306f\u7a0e\u512a\u9047\u306e\u3042\u308b\u8caf\u84c4\u30fb\u6295\u8cc7\u53e3\u5ea7\u3067\u3001High Deductible\u30d7\u30e9\u30f3\u306e\u5065\u5eb7\u4fdd\u967a\u306b\u52a0\u5165\u3057\u3066\u3044\u308b\u4eba\u3060\u3051\u304c\u6301\u3064\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u30022015\u5e74\u306e\u6307\u6a19\u3067\u306f\u3001\u4e00\u5e74\u3067\u500b\u4eba\u3067$3,350\u3001\u5bb6\u65cf\u3067$6,650\u307e\u3067\u3092\u53e3\u5ea7\u306b\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u304c\u3067\u304d\u3001\u3053\u306e\u7a4d\u7acb\u984d\u306f\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308a\u307e\u305b\u3093\u3002\u306a\u304a\u300155\u6b73\u306e\u65b9\u306e\u5834\u5408\u306f\u3001$1,000\u3092\u4f59\u5206\u306b\u7a4d\u307f\u7acb\u3066\u3089\u308c\u3001\u500b\u4eba\u3067$4,350\u3001\u5bb6\u65cf\u3067$7,650\u3092\u7a4d\u307f\u7acb\u3066\u3089\u308c\u307e\u3059\u3002<\/p>\n

\u96c7\u7528\u4e3b\u7d4c\u7531\u3067HSA\u306b\u52a0\u5165\u3057\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u7d66\u4e0e\u5929\u5f15\u304d\u3067\u53e3\u5ea7\u306b\u7a4d\u307f\u7acb\u3066\u304c\u3067\u304d\u3001\u3053\u306e\u984d\u306b\u306f\u6240\u5f97\u7a0e\u304c\u304b\u304b\u308a\u307e\u305b\u3093\u3002\u500b\u4eba\u7684\u306bHSA\u306b\u52a0\u5165\u3057\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u81ea\u5206\u3067\u53e3\u5ea7\u306b\u7a4d\u307f\u7acb\u3066\u3092\u3057\u3001\u3053\u306e\u984d\u306f\u30bf\u30c3\u30af\u30b9\u30ea\u30bf\u30fc\u30f3\u306e\u3068\u304d\u306bForm8889\u3067\u7533\u544a\u3057\u6240\u5f97\u7a0e\u63a7\u9664\u3092\u53d7\u3051\u307e\u3059\u3002<\/p>\n

\u3069\u306e\u304f\u3089\u3044\u306e\u7a0e\u63a7\u9664\u304c\u3042\u308b\u304b\u306f\u6240\u5f97\u7a0e\u7387\uff08Tax Bracket)\u306b\u3088\u308a\u307e\u3059\u304c\u3001\u5e74\u53ce$150,000\u7a0b\u5ea6\u306e\u3054\u592b\u5a66\u3067\u3001\u592b\u5a66\u3067High Deductible\u30d7\u30e9\u30f3\u306b\u5165\u3063\u3066\u304a\u308a$6,650\u3092\u7a4d\u307f\u7acb\u3066\u305f\u5834\u5408\u3001$1,662\uff08\u7a4d\u7acb\u984d$6,650\uff5825\uff05\u7a0e\u7387\uff09\u7a0b\u5ea6\u306e\u7bc0\u7a0e\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n

HSA\u306f\u96c7\u7528\u4e3b\u3092\u901a\u3057\u3066\u52a0\u5165\u3057\u305f\u3068\u3057\u3066\u3082\u3001\u500b\u4eba\u306e\u6240\u6709\u3067\u3042\u308a\u3001\u96c7\u7528\u4e3b\u3092\u5909\u3048\u3066\u3082\u500b\u4eba\u306e\u6240\u6709\u3067\u3042\u308a\u7d9a\u3051\u307e\u3059\u3002\u307e\u305f\u96c7\u7528\u4e3b\u306e\u63d0\u4f9b\u3059\u308bHSA\u3067\u306f\u6e80\u8db3\u3067\u304d\u306a\u3044\u5834\u5408\uff08\u624b\u6570\u6599\u304c\u9ad8\u3044\u306a\u3069\u306e\u7406\u7531\u3067\uff09\u3001\u307b\u304b\u306e\u91d1\u878d\u6a5f\u95a2\u304c\u63d0\u4f9b\u3059\u308bHSA\u306b\u4e57\u308a\u63db\u3048\u308b\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3002\u91d1\u878d\u6a5f\u95a2\u306b\u3088\u3063\u3066\u3001\u8caf\u84c4\u3084\u6295\u8cc7\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u304c\u7570\u306a\u308a\u307e\u3059\u306e\u3067\u3001\u81ea\u5206\u306b\u6709\u5229\u306a\u53e3\u5ea7\u3092\u9078\u3076\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3053\u306e\u70b9\u3067\u3001\u96c7\u7528\u4e3b\u306e\u5951\u7d04\u3057\u3066\u3044\u308b\u91d1\u878d\u6a5f\u95a2\u3057\u304b\u9078\u3079\u306a\u3044401(k)\u3084Flexible Spending Account\uff08FSA\uff09\u3068\u306f\u7570\u306a\u308a\u307e\u3059\u3002<\/p>\n

HSA\u53e3\u5ea7\u306f\u3001\u9280\u884c\u3001\u6295\u8cc7\u4f1a\u793e\u3001\u30af\u30ec\u30b8\u30c3\u30c8\u30e6\u30cb\u30aa\u30f3\u306a\u3069\u304c\u63d0\u4f9b\u3057\u3066\u304a\u308a\u3001IRA\u3092\u958b\u304f\u3088\u3046\u306a\u611f\u899a\u3067\u958b\u8a2d\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u7a93\u53e3\u3067\u3082\u958b\u304f\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u304c\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u3082\u958b\u8a2d\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u91d1\u878d\u6a5f\u95a2\u306b\u3088\u3063\u3066\u306f\u7a93\u53e3\u3067\u306e\u958b\u8a2d\u306b\u306f$10\u307b\u3069\u306e\u6599\u91d1\u3092\u8ab2\u3059\u3068\u3053\u308d\u3082\u3042\u308a\u307e\u3059\u3002\u53e3\u5ea7\u5185\u306e\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u9810\u91d1\u53e3\u5ea7\u3084\u30bb\u30fc\u30d3\u30f3\u30b0\u9810\u91d1\u53e3\u5ea7\u306fFDIC(Federal Deposit Insurance Corporation – \u9280\u884c\u306e\u5834\u5408)\u3042\u308b\u3044\u306fNCUA(National Credit Union Administration – \u30af\u30ec\u30b8\u30c3\u30c8\u30e6\u30cb\u30aa\u30f3\u306e\u5834\u5408)\u306e$250,000\u307e\u3067\u306e\u9810\u91d1\u4fdd\u967a\u306e\u5bfe\u8c61\u3068\u306a\u308a\u3001\u3082\u3057\u3082\u91d1\u878d\u6a5f\u95a2\u304c\u8ca1\u653f\u7834\u7dbb\u3092\u3057\u3066\u3082\u9810\u91d1\u306f\u5b88\u3089\u308c\u307e\u3059\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u540c\u3058HSA\u5185\u3067\u9810\u91d1\u3067\u306f\u306a\u304f\u3001\u6295\u8cc7\u306e\u307b\u3046\u306b\u304a\u91d1\u3092\u56de\u3057\u305f\u5834\u5408\u306f\u3001IRA\u3084401(k)\u306e\u6295\u8cc7\u3068\u540c\u3058\u3088\u3046\u306b\u3001FDIC\u3084NCUA\u306e\u9810\u91d1\u4fdd\u967a\u5bfe\u8c61\u304b\u3089\u306f\u306f\u305a\u308c\u307e\u3059\u3002<\/p>\n

\u307e\u305f\u3001FSA\u306e\u3088\u3046\u306b\u3001\u7a4d\u307f\u7acb\u3066\u305f\u984d\u3092\u4e00\u5e74\u9593\u3067\u4f7f\u3044\u5207\u3089\u306a\u304b\u3063\u305f\u5834\u5408\u306b\u3001\u305d\u306e\u984d\u304c\u6ca1\u53ce\u3055\u308c\u308b\u3068\u3044\u3046\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u6b8b\u3063\u305f\u304a\u91d1\u306f\u305d\u306e\u307e\u307e\u8caf\u84c4\u30fb\u6295\u8cc7\u3055\u308c\u3001\u5c06\u6765\u4f7f\u3048\u308b\u3088\u3046\u306b\u8caf\u3081\u3066\u304a\u3051\u307e\u3059\u3002\u5229\u5b50\u3084\u5229\u56de\u308a\u306b\u306f\u7a0e\u91d1\u304c\u304b\u304b\u308a\u307e\u305b\u3093\u3002<\/p>\n

HSA\u53e3\u5ea7\u306e\u304a\u91d1\u306f\u3001IRS\u306b\u3088\u3063\u3066\u6307\u5b9a\u3055\u308c\u305f\u30ab\u30c6\u30b4\u30ea\u30fc\u306b\u5c5e\u3059\u308b\u533b\u7642\u8cbb\u306e\u305f\u3081\u3067\u3042\u308c\u3070\u4e00\u5207\u7a0e\u91d1\u304c\u304b\u304b\u3089\u306a\u3044\u307e\u307e\u4f7f\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u6307\u5b9a\u3055\u308c\u305f\u533b\u7642\u8cbb\u306b\u306f\u3001High Deductible\u30d7\u30e9\u30f3\u306eDeductible\u3084Co-insurance\u3001\u51e6\u65b9\u7b8b\u4ee3\u3001\u3081\u304c\u306d\u3084\u30b3\u30f3\u30bf\u30af\u30c8\u306a\u3069\u3092\u542b\u3080\u773c\u79d1\u7cfb\u306e\u8cbb\u7528\u3001\u6b6f\u533b\u8005\u306e\u8cbb\u7528\u306a\u3069\u3082\u542b\u307e\u308c\u307e\u3059\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001High Deductible\u30d7\u30e9\u30f3\u306e\u4fdd\u967a\u6599\u91d1\u306f\u3001\u6307\u5b9a\u533b\u7642\u8cbb\u306b\u306f\u542b\u307e\u308c\u307e\u305b\u3093\u306e\u3067\u3001HAS\u306e\u304a\u91d1\u3067\u652f\u6255\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u305b\u3093\u3002\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\u306e\u4fdd\u967a\u6599\u3084\u300165\u6b73\u4ee5\u964d\u306eMedicare\u4fdd\u967a\u6599\uff08\u305f\u3060\u3057\u3001Medigap\u306f\u9664\u304f\uff09\u306f\u542b\u307e\u308c\u307e\u3059\u306e\u3067\u3001HAS\u306e\u304a\u91d1\u3067\u652f\u6255\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n

\u91d1\u878d\u6a5f\u95a2\u306e\u591a\u304f\u306f\u3001\u533b\u7642\u8cbb\u306e\u652f\u6255\u3044\u3092\u30c0\u30a4\u30ec\u30af\u30c8\u306bHSA\u53e3\u5ea7\u304b\u3089\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306bDebit Card\u3092\u767a\u884c\u3057\u3066\u3044\u307e\u3059\u3002\u3042\u308b\u3044\u306fHSA\u53e3\u5ea7\u306e\u30c1\u30a7\u30c3\u30af\u30d6\u30c3\u30af\u3067\u652f\u6255\u3046\u3053\u3068\u3082\u3067\u304d\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u5c11\u3005\u9762\u5012\u3067\u3059\u304c\u3001\u533b\u7642\u8cbb\u3092\u81ea\u5206\u3067\uff08HSA\u53e3\u5ea7\u4ee5\u5916\u306e\u304a\u91d1\u3067\uff09\u7acb\u3066\u66ff\u3048\u3066\u652f\u6255\u3063\u3066\u304a\u3044\u3066\u3001\u3042\u3068\u3067HSA\u53e3\u5ea7\u304b\u3089Reimburse(\u8fd4\u91d1)\u3057\u3066\u3082\u3089\u3046\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3002\u9ad8\u984d\u306e\u533b\u7642\u8cbb\u306e\u5834\u5408\u3001\u30ad\u30e3\u30c3\u30b7\u30e5\u30d0\u30c3\u30af\u3084\u30dd\u30a4\u30f3\u30c8\u306e\u9ad8\u3044\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u3067\u6255\u3044\u3001\u5f8c\u3067Reimburse\u3057\u3066\u3082\u3089\u3046\u306e\u304c\u3001\u591a\u5c11\u624b\u9593\u306f\u304b\u304b\u308a\u307e\u3059\u304c\u4e00\u756a\u8ce2\u3044\u4f7f\u3044\u65b9\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u3044\u305a\u308c\u306b\u305b\u3088\u3001\u533b\u7642\u8cbb\u306e\u30ec\u30b7\u30fc\u30c8\u306f\u3057\u3063\u304b\u308a\u3068\u4fdd\u5b58\u3057\u3066\u304a\u304d\u307e\u3059\u3002HSA\u306e\u304a\u91d1\u3092\u3069\u3093\u306a\u533b\u7642\u8cbb\u306b\u5229\u7528\u3057\u305f\u304b\u306f\u30bf\u30c3\u30af\u30b9\u30ea\u30bf\u30fc\u30f3\u6642\u306bForm8889\u3067\u7533\u544a\u3057\u307e\u3059\u3002\u3082\u3057\u3082IRS\u304b\u3089\u76e3\u67fb\u304c\u5165\u3063\u305f\u5834\u5408\u306b\u306f\u3001Form8889\u306e\u7533\u544a\u5185\u5bb9\u3068\u30ec\u30b7\u30fc\u30c8\u3068\u3092\u7167\u5408\u3055\u308c\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u30ec\u30b7\u30fc\u30c8\u7ba1\u7406\u306f\u500b\u4eba\u306e\u8cac\u4efb\u3067\u3059\u3002<\/p>\n

\u6307\u5b9a\u3055\u308c\u305f\u533b\u7642\u8cbb\u4ee5\u5916\u306e\u7528\u9014\u3067HSA\u306e\u304a\u91d1\u3092\u4f7f\u3046\u3068\u3001\u6240\u5f97\u7a0e\u3068\u8ffd\u52a0\u306e20\uff05\u30da\u30ca\u30eb\u30c6\u30a3\u304c\u304b\u304b\u308a\u307e\u3059\u3002\u305f\u3060\u3057\u300165\u6b73\u4ee5\u4e0a\u306e\u5834\u5408\u306f\u3001\u533b\u7642\u8cbb\u4ee5\u5916\u306e\u7528\u9014\u3067\u4f7f\u3063\u3066\u3082\u3001\u6240\u5f97\u7a0e\u3060\u3051\u304c\u304b\u304b\u308b\u3060\u3051\u3067\u300120\uff05\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u3053\u308c\u306f\u3001HSA\u304cTraditional IRA\u3068\u540c\u3058\u3088\u3046\u306b\u5229\u7528\u3067\u304d\u308b\uff08\u7a0e\u63a7\u9664\u3067\u7a4d\u307f\u7acb\u3066\u3001\u7a0e\u9045\u5ef6\u306e\u307e\u307e\u6295\u8cc7\u3057\u3001\u5f15\u304d\u51fa\u3057\u6642\u306b\u306e\u307f\u6240\u5f97\u7a0e\u8ab2\uff09\u3068\u3044\u3046\u3053\u3068\u3067\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u5bfe\u7b56\u306b\u3082\u306a\u308a\u3048\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u306a\u3069\u3092\u5ff5\u982d\u306b\u304a\u3044\u305f\u9577\u671f\u6295\u8cc7\u304c\u3067\u304d\u308b\u306e\u306f\u9b45\u529b\u3067\u3059\u304c\u3001\u305f\u3060HSA\u306f\u3042\u304f\u307e\u3067\u533b\u7642\u8cbb\u306e\u51fa\u8cbb\u306e\u305f\u3081\u306e\u3082\u306e\u3060\u3068\u3044\u3046\u76ee\u7684\u3092\u5fd8\u308c\u308b\u3079\u304d\u3067\u306f\u306a\u304f\u3001Deductible\u306f\u3082\u3061\u308d\u3093\u3001\u624b\u8853\u306a\u3069\u3092\u3057\u305f\u3068\u304d\u306eCo-insurance\u304c\u30ab\u30d0\u30fc\u3067\u304d\u308b\u304f\u3089\u3044\u306e\u91d1\u984d\u3092\u3001HSA\u53e3\u5ea7\u5185\u3067\u3001\u6295\u8cc7\u3067\u306f\u306a\u304f\u8caf\u84c4\uff08\u3059\u3050\u73fe\u91d1\u5316\u3067\u304d\u308b\u5f62\uff09\u3067\u7dad\u6301\u3057\u3066\u304a\u304f\u3053\u3068\u306f\u91cd\u8981\u3067\u3059\u3002<\/p>\n

HSA\u3078\u306fHigh Deductible\u30d7\u30e9\u30f3\u3092\u6301\u3063\u3066\u3044\u308b\u9650\u308a\u3001\u6bce\u5e74\u7a4d\u307f\u7acb\u3066\u3092\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002High Deductible\u30d7\u30e9\u30f3\u3092\u3082\u306f\u3084\u6301\u305f\u306a\u304f\u306a\u3063\u305f\u5834\u5408\u306f\u3001\u7a4d\u307f\u7acb\u3066\u3092\u3059\u308b\u3053\u3068\u306f\u3067\u304d\u306a\u304f\u306a\u308a\u307e\u3059\u304c\u3001\u53e3\u5ea7\u306f\u81ea\u5206\u306e\u8ca1\u7523\u3068\u3057\u3066\u6240\u6709\u3057\u3064\u3065\u3051\u3001\u305d\u306e\u304a\u91d1\u306f\u5229\u7528\u3057\u3064\u3065\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002Medicare\u306f\u3001High Deductible\u30d7\u30e9\u30f3\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u306e\u3067\u3001Medicare\u52a0\u5165\u3068\u3068\u3082\u306b\u7a4d\u307f\u7acb\u3066\u306f\u3067\u304d\u306a\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u3069\u3053\u3067HSA\u53e3\u5ea7\u3092\u958b\u304f\uff1f<\/h2>\n

HSA\u53e3\u5ea7\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u91d1\u878d\u6a5f\u95a2\u306f\u3044\u308d\u3044\u308d\u3042\u308a\u307e\u3059\u304c\u3001\u624b\u6570\u6599\u3001\u9810\u91d1\u5229\u5b50\u3001\u6295\u8cc7\u30aa\u30d7\u30b7\u30e7\u30f3\u306a\u3069\u306e\u89b3\u70b9\u304b\u3089\u3001\u6bd4\u8f03\u7684\u3088\u3044\u53e3\u5ea7\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u6a5f\u95a2\u3092\u3042\u3052\u3066\u307f\u307e\u3059\u3002\u53c2\u8003\u306b\u306a\u3055\u3063\u3066\u304f\u3060\u3055\u3044\u3002\u60c5\u5831\u306f\u3044\u305a\u308c\u30822015\u5e741\u6708\u73fe\u5728\u306e\u3082\u306e<\/strong>\u3002<\/p>\n

Alliant Credit Union<\/a> : \u53e3\u5ea7\u624b\u6570\u6599\u306f\u30bc\u30ed\u3068\u3044\u3046\u826f\u5fc3\u7684HSA\u53e3\u5ea7\u3002\u3057\u304b\u3082\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u9810\u91d1\u5229\u5b50\u306f0.65\uff05\u3068\u9ad8\u3081\u3067\u3059\u3002\u6295\u8cc7\u3092\u3057\u305f\u3044\u5834\u5408\u306f\u3001\u6708\u3005$5.95\u306e\u53e3\u5ea7\u624b\u6570\u6599\u304c\u304b\u304b\u308a\u307e\u3059\u3002Fidelity\u3084Vanguard\u306a\u3069\u306e\u4f4e\u624b\u6570\u6599\u30d5\u30a1\u30f3\u30c9\u304c\u9078\u3079\u307e\u3059\u3002\u3068\u308a\u3042\u3048\u305aHSA\u3092\u958b\u8a2d\u3057\u3066\u3001\u5f53\u9762\u306e\u533b\u7642\u8cbb\u306e\u305f\u3081\u306b\u9810\u91d1\u30d9\u30fc\u30b9\u3067\u8caf\u3081\u308b\u6bb5\u968e\u306b\u306f\u3068\u304f\u306b\u5229\u7528\u4fa1\u5024\u304c\u9ad8\u3044\u3067\u3057\u3087\u3046\u3002\u305d\u306e\u5f8c\u3001\u6295\u8cc7\u304c\u5fc5\u8981\u3068\u306a\u3063\u305f\u5834\u5408\u3082\u3001\u540c\u3058\u53e3\u5ea7\u5185\u3067\u624b\u6570\u6599\u306e\u4f4e\u3044\u6295\u8cc7\u306b\u79fb\u884c\u3067\u304d\u307e\u3059\u3002\u305f\u3060\u3057\u3001Alliant\u306fCredit Union\u3067\u3059\u306e\u3067\u3001Member\u306b\u306a\u3089\u306a\u3044\u3068\u53e3\u5ea7\u304c\u958b\u3051\u307e\u305b\u3093\u3002\u30a4\u30ea\u30ce\u30a4\u5dde\u306b\u3042\u308bCredit Union\u3067\u3059\u306e\u3067\u3001Member\u306b\u306a\u308b\u306b\u306f\u30ed\u30fc\u30ab\u30eb\u30a8\u30ea\u30a2\u306b\u4f4f\u3093\u3060\u308a\u50cd\u3044\u305f\u308a\u3057\u3066\u3044\u306a\u3044\u3068\u306a\u308a\u307e\u305b\u3093\u304c\u3001\u305d\u306e\u4ed6\u306b\u3082Foster Care to Success\u3068\u3044\u3046\u975e\u55b6\u5229\u56e3\u4f53\u306eMember\u3067\u3042\u308c\u3070Credit Union\u306b\u52a0\u5165\u3067\u304d\u308b\u3053\u3068\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002Foster Care to Success\u306eMember\u306b\u306a\u308b\u306b\u306f\u3001\u6700\u4f4e$10\u306e\u5bc4\u4ed8\u3092\u3059\u308c<\/a>\u3070\u3088\u3044\u306e\u3067\u3001\u9060\u9694\u306e\u65b9\u306f\u3053\u306e\u3084\u308a\u65b9\u3067Credit Union\u3000Member\u306b\u306a\u308a\u3001\u53e3\u5ea7\u3092\u958b\u8a2d\u3059\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n

Lake Michigan Credit Union<\/a>\u3000\uff1a\u3000\u4e0a\u8a18\u540c\u69d8\u3001\u53e3\u5ea7\u624b\u6570\u6599\u306f\u30bc\u30ed\u3068\u3044\u3046\u826f\u5fc3\u7684\u53e3\u5ea7\u3002\u30c1\u30a7\u30c3\u30ad\u30f3\u30b0\u9810\u91d1\u5229\u5b50\u306f\u3001\u6b8b\u9ad8$5,000\u4ee5\u4e0b\u30671.50\uff05\u3001$5,000\u4ee5\u4e0a\u30672.00\uff05\u3068\u3044\u3046\u9ad8\u30ec\u30d9\u30eb\u3067\u3059\u3002\u3053\u306eHSA\u53e3\u5ea7\u306f\u4f4e\u624b\u6570\u6599\u3067\u9ad8\u5229\u5b50\u306e\u9810\u91d1\u53e3\u5ea7\u3092\u63d0\u4f9b\u3059\u308b\u3068\u3044\u3046\u3053\u3068\u306b\u30d5\u30a9\u30fc\u30ab\u30b9\u3057\u3066\u304a\u308a\u3001\u6295\u8cc7\u30aa\u30d7\u30b7\u30e7\u30f3\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u305d\u3082\u305d\u3082\u3044\u3064\u5fc5\u8981\u306b\u306a\u308b\u304b\u308f\u304b\u3089\u306a\u3044\u533b\u7642\u8cbb\u3092\u305f\u3081\u3066\u304a\u304f\u3068\u3044\u3046\u610f\u5473\u3067\u306f\u3001\u9ad8\u3044\u5229\u5b50\u306e\u9810\u91d1\u53e3\u5ea7\u306b\u5165\u308c\u308b\u3068\u3044\u3046\u306e\u306f\u7406\u306b\u304b\u306a\u3063\u3066\u3044\u308b\u306e\u3067\u3001\u6295\u8cc7\u306b\u3053\u3060\u308f\u3089\u306a\u3044\u4eba\u306b\u306f\u5229\u7528\u4fa1\u5024\u3042\u308a\u306e\u53e3\u5ea7\u3067\u3059\u3002\u5c06\u6765\u3001\u4f59\u5270\u91d1\u304c\u5897\u3048\u3001\u307e\u3068\u307e\u3063\u305f\u6295\u8cc7\u8cc7\u91d1\u304c\u3067\u304d\u305f\u5834\u5408\u306f\u4ed6\u306e\u53e3\u5ea7\u306b\u30ed\u30fc\u30eb\u30aa\u30fc\u30d0\u30fc\u3059\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u4e0a\u8a18\u3068\u540c\u3058\u304fCredit Union\u3067\u3059\u306e\u3067\u3001Member\u306b\u306a\u308b\u306b\u306f\u30ed\u30fc\u30ab\u30eb\u30a8\u30ea\u30a2\u306b\u4f4f\u3093\u3060\u308a\u50cd\u3044\u305f\u308a\u3057\u3066\u3044\u306a\u3044\u3068\u306a\u308a\u307e\u305b\u3093\u304cAmyotrophic Lateral Sclerosis (ALS) Association\u306eWest Michigan Chapter\u306b\u5bc4\u4ed8\u3092\u3059\u308c\u3070\u3088\u3044\u306e\u3067\uff08\u91d1\u984d\u6307\u5b9a\u306f\u306a\u3044\u3088\u3046\u3067\u3059\uff09\u9060\u9694\u306e\u65b9\u306f\u3053\u306e\u3084\u308a\u304b\u305f\u3067Credit Union\u3000Member\u306b\u306a\u308a\u3001\u53e3\u5ea7\u3092\u958b\u8a2d\u3059\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n

HSA Bank<\/a>\u3000\uff1a\u3000\u6708\u984d\u53e3\u5ea7\u624b\u6570\u6599\u306f$2.50\u3002$5,000\u306e\u53e3\u5ea7\u6b8b\u9ad8\u3067\u6708\u984d\u624b\u6570\u6599\u306f\u514d\u9664\u3055\u308c\u307e\u3059\u3002\u9810\u91d1\u5229\u5b50\u306f$2,500\u306e\u9810\u91d1\u30670.05\uff05\u3001$5,000\u30670.20\uff05\u3001$10,000\u30670.30\uff05\u3067\u3001\u4e0a\u8a18\u3075\u305f\u3064\u306b\u6bd4\u3079\u308b\u3068\u4f4e\u3081\u3067\u3059\u3002\u6295\u8cc7\u30aa\u30d7\u30b7\u30e7\u30f3\u306fTD Ameritrade\u306e\u30d5\u30a1\u30f3\u30c9\u304c\u9078\u629e\u3067\u304d\u3001\u624b\u6570\u6599\u306f\u4f4e\u3081\u3067\u3059\u3002\u9810\u91d1\u5229\u5b50\u306f\u4e0a\u8a18\u3075\u305f\u3064\u306b\u306f\u52a3\u308b\u3082\u306e\u306e\u3001\u4ed6\u306e\u591a\u304f\u306eHAS\u306b\u6bd4\u3079\u308b\u3068\u305d\u3053\u305d\u3053\u9ad8\u3081\u3067\u3042\u308a\u3001\u6708\u984d\u624b\u6570\u6599\u306f\u4f4e\u3081\u306a\u306e\u3067\u3001\u4e0a\u8a18\u540c\u69d8\u3001\u533b\u7642\u8cbb\u306e\u8caf\u84c4\u306b\u3082\u9577\u671f\u7684\u6295\u8cc7\u306b\u3082\u5bfe\u5fdc\u3067\u304d\u307e\u3059\u3002<\/p>\n

Health Savings Administrator<\/a>\u3000\uff1a\u3000\u5e74\u9593\u53e3\u5ea7\u624b\u6570\u6599\u306f$45\u304b\u304b\u308a\u3001\u6b8b\u9ad8\u304c\u9ad8\u304f\u3066\u3082\u514d\u9664\u3055\u308c\u308b\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002Vanguard\u306e\u4f4e\u624b\u6570\u6599\u306eMMF\u3084\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u3067\u304d\u307e\u3059\u304c\u3001\u305d\u308c\u305e\u308c\u306e\u30d5\u30a1\u30f3\u30c9\u306e\u6295\u8cc7\u6700\u4f4e\u984d\u306f$3,000\u306a\u306e\u3067\u3001\u3042\u308b\u7a0b\u5ea6\u307e\u3068\u307e\u3063\u305f\u6295\u8cc7\u8cc7\u91d1\u304c\u3042\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u4f55\u5e74\u304bHSA\u3092\u7a4d\u307f\u7acb\u3066\u7d9a\u3051\u3001\u533b\u7642\u8cbb\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u3068\u304d\u306e\u73fe\u91d1\u9810\u91d1\u306b\u52a0\u3048\u3001\u305d\u308c\u4ee5\u5916\u306b\u3082\u307e\u3068\u307e\u3063\u305f\u6295\u8cc7\u8cc7\u91d1\u304c\u3042\u308b\u5834\u5408\u306b\u306f\u5229\u7528\u4fa1\u5024\u304c\u3042\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n

\u3053\u308c\u3089\u306f\u3059\u3079\u3066\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u53e3\u5ea7\u958b\u8a2d\u304c\u3067\u304d\u3001\u53e3\u5ea7\u3078\u306e\u5165\u91d1\u3084\u53e3\u5ea7\u304b\u3089\u306e\u5f15\u304d\u51fa\u3057\u306a\u3069\u3059\u3079\u3066\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u7ba1\u7406\u3067\u304d\u307e\u3059\u3002\u9280\u884c\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u30d0\u30f3\u30ad\u30f3\u30b0\u6a5f\u80fd\u3068\u540c\u3058\u3088\u3046\u306a\u611f\u899a\u3067\u4f7f\u3048\u308b\u3082\u306e\u3067\u3059\u306e\u3067\u3001\u3082\u3057\u3082HSA\u53e3\u5ea7\u3092\u304a\u63a2\u3057\u3068\u3044\u3046\u5834\u5408\u306b\u306f\u3053\u308c\u3089\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u3092\u305c\u3072\u691c\u8a0e\u3055\u308c\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"

High Deductible Health Plan\uff08\u4ee5\u4e0bHigh Deductible\u30d7\u30e9\u30f3\u3068\u3059\u308b\uff09\u3068\u547c\u3070\u308c\u308b\u5065\u5eb7\u4fdd\u967a\u3092\u304a\u6301\u3061\u306e\u65b9\u3082\u591a\u3044\u3067\u3057\u3087\u3046\u30022015\u5e74\u306e\u6307\u6a19\u3067\u306f\u3001Deductible\u304c\u500b\u4eba\u3067$1,300\u4ee5\u4e0a\u3001\u30d5\u30a1\u30df\u30ea\u30fc\u3067\u3067$2,600\u4ee5\u4e0a\u3067\u3042\u308a\u3001\u304b\u3064Out-of-pocket Maximum\u304c\u500b\u4eba\u3067$6,450\u4ee5\u4e0a\u3001\u30d5\u30a1\u30df\u30ea\u30fc\u3067\uff0412,900\u4ee5\u4e0a\u3067\u3042\u308b\u3082\u306e\u304cHigh Deductible\u30d7\u30e9\u30f3\u3068\u5b9a\u7fa9\u3055\u308c\u307e\u3059\u3002High Deductible\u30d7\u30e9\u30f3\u306f\u3001\u75c5\u6c17\u3092\u3042\u307e\u308a\u3057\u306a\u3051\u308c\u3070\u4fdd\u967a\u6599\u91d1\u304c\u5927\u304d\u304f\u7bc0\u7d04\u3067\u304d\u308b\u3053\u3068\u3068\u3001Health Savings Account(HSA)\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u3067\u9577\u671f\u7684\u306a\u8caf\u84c4\u6295\u8cc7\u52b9\u679c\u3082\u5f97\u3089\u308c\u308b\u3053\u3068\u304b\u3089\u3001\u6700\u8fd1\u3067\u306f\u4eba\u6c17\u304c\u9ad8\u307e\u308a\u6025\u901f\u306b\u30b7\u30a7\u30a2\u3092\u4f38\u3070\u3057\u3066\u3044\u307e\u3059\u3002High Deductible\u30d7\u30e9\u30f3\u306b\u306f\u8cdb\u5426\u4e21\u8ad6\u304c\u3042\u308a\u3001\u3042\u307e\u308a\u75c5\u6c17\u3092\u3057\u306a\u3044\u5206\u306b\u306f\u975e\u5e38\u306b\u304a\u5f97\u3067\u3042\u308b\u4e00\u65b9\u3067\u3001\u3044\u3063\u305f\u3093\u75c5\u6c17\u306b\u306a\u308b\u3068\u5927\u304d\u306a\u533b\u7642\u8cbb\u3092\u62b1\u3048\u308b\u53ef\u80fd\u6027\u3082\u3042\u308b\u3068\u3044\u3046\u5371\u967a\u6027\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u3053\u306e\u8ab2\u984c\u306b\u3064\u3044\u3066\u306f\u6b21\u56de\u306b\u3057\u3066\u3001\u4eca\u56de\u306fHigh Deductible\u30d7\u30e9\u30f3\u3068\u3068\u3082\u306b\u6ce8\u76ee\u3092\u96c6\u3081\u3066\u3044\u308bHSA\u306b\u3064\u3044\u3066\u53d6\u308a\u4e0a\u3052\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":[8,62],"tags":[42,56],"class_list":["post-3197","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-healthinsurance","category-tax","tag-choosing-insurance","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-Pz","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/3197","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=3197"}],"version-history":[{"count":5,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/3197\/revisions"}],"predecessor-version":[{"id":4203,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/3197\/revisions\/4203"}],"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=3197"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=3197"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=3197"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}