![\"\u77ed\u671f\u5065\u5eb7\u4fdd\u967a\u30bf\u30a4\u30aa\u30d0\u30de\u30b1\u30a2\u4fdd\u967a\"](\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2015\/10\/%E7%9F%AD%E6%9C%9F%E5%81%A5%E5%BA%B7%E4%BF%9D%E9%99%BA%E3%82%BF%E3%82%A4%E3%82%AA%E3%83%90%E3%83%9E%E3%82%B1%E3%82%A2%E4%BF%9D%E9%99%BA.png?ssl=1\")
<\/a><\/p>\n\u4fdd\u967a\u6599\u306f\u77ed\u671f\u5065\u5eb7\u4fdd\u967a\u304c$124\u307b\u3069\u3001\u30aa\u30d0\u30de\u30b1\u30a2\u4fdd\u967a\uff08\u3053\u306e\u4fdd\u967a\u306f\u30d6\u30ed\u30f3\u30ba\u30ec\u30d9\u30eb\uff09\u306f$170\u307b\u3069\u3068\u3044\u3046\u7d50\u679c\u3067\u3057\u305f\u3002\u78ba\u304b\u306b\u4fdd\u967a\u6599\u3060\u3051\u898b\u308b\u3068\u77ed\u671f\u5065\u5eb7\u4fdd\u967a\u306e\u307b\u3046\u304c\u5b89\u3044\u3067\u3059\u304c\u3001\u305f\u3060\u88dc\u511f\u5185\u5bb9\u3092\u3072\u3068\u3064\u305a\u3064\u898b\u3066\u3044\u304f\u3068\u3001\u4e00\u6982\u306b\u77ed\u671f\u5065\u5eb7\u4fdd\u967a\u306e\u307b\u3046\u304c\u304a\u5f97\u3067\u3088\u3044\u3068\u306f\u3044\u3044\u304c\u305f\u3044\u7d50\u679c\u3067\u3059\u3002<\/p>\n
<\/p>\n
\u3053\u306e\u30aa\u30d0\u30de\u30b1\u30a2\u4fdd\u967a\u306fHMO\u3067\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u3067\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u305d\u3046\u3059\u308b\u9650\u308a\u306f\u4fdd\u967a\u88dc\u511f\u306f\u5373\u6642\u306b\u53d7\u3051\u3089\u308c\u308b\u306e\u306b\u5bfe\u3057\u3001\u77ed\u671f\u5065\u5eb7\u4fdd\u967a\u306e\u307b\u3046\u306fIndemnity\u3068\u3044\u3063\u3066\u3001\u3069\u306e\u533b\u8005\u304b\u3089\u3067\u3082\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u53cd\u9762\u3001\u307e\u305a\u306f\u81ea\u5206\u3067\u533b\u7642\u8cbb\u3092\u7acb\u3066\u66ff\u3048\u3066\u652f\u6255\u3044\u3001\u3042\u3068\u3067\u7533\u8acb\u3057\u3066\u88dc\u511f\u91d1\u3092\u53d7\u3051\u53d6\u308b\u5f62\u3067\u3059\u3002\u7533\u8acb\u306e\u624b\u9593\u3068\u8fd4\u91d1\u307e\u3067\u306e\u671f\u9593\u306f\u8003\u616e\u306b\u5165\u308c\u305f\u307b\u3046\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n
<\/p>\n
\u307e\u305f\u30aa\u30d0\u30de\u30b1\u30a2\u3067\u9055\u6cd5\u3068\u306a\u3063\u305fCovered Max Amount\uff08\u88dc\u511f\u306e\u9650\u5ea6\u984d\uff09\u306e\u8a2d\u5b9a\u304c\u3001\u77ed\u671f\u5065\u5eb7\u4fdd\u967a\u3067\u306f\u8a31\u3055\u308c\u3066\u3044\u308b\u305f\u3081\u3001\u4e0b\u3067\u306f\uff04\uff12\u30df\u30ea\u30aa\u30f3\u306e\u9650\u5ea6\u984d\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u96e3\u3057\u3044\u75c5\u6c17\u306b\u306a\u308a\u533b\u7642\u8cbb\u304c\u304b\u3055\u3093\u3060\u5834\u5408\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u88dc\u511f\u3059\u308b\u306e\u306f\uff04\uff12\u30df\u30ea\u30aa\u30f3\u3067\u6253\u3061\u5207\u308a\u3067\u3059\u306e\u3067\u3001\u305d\u308c\u4ee5\u964d\u306f\u81ea\u5df1\u8ca0\u62c5\u3068\u306a\u308a\u307e\u3059\uff08\u305f\u3060\u3057\u3001\u6b21\u306e\u30aa\u30fc\u30d7\u30f3\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u307e\u3067\u5f85\u3066\u3070\u30aa\u30d0\u30de\u30b1\u30a2\u4fdd\u967a\u306b\u52a0\u5165\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u306e\u3067\u3001\u305d\u308c\u306b\u3088\u3063\u3066\u9650\u5ea6\u306a\u3057\u306e\u88dc\u511f\u3092\u5f97\u308b\u3053\u3068\u306f\u53ef\u80fd\u3067\u3059\uff09\u3002<\/p>\n
<\/p>\n
\u4e0b\u306e\u77ed\u671f\u5065\u5eb7\u4fdd\u967a\u3067\u306f$7,500\u304cDeductible\u3067\u3042\u308a\u3001\u305d\u3053\u307e\u3067\u306e\u533b\u7642\u8cbb\u306f\u81ea\u5206\u3067\u652f\u6255\u3046\u5fc5\u8981\u304c\u3042\u308b\u3068\u3068\u3082\u306b\u3001\u305d\u306e\u5f8c$12,500\u307e\u3067\u306fCoinsurance\u3092\u6255\u3044\u7d9a\u3051\u308b\u5fc5\u8981\u304c\u3042\u308a\u3001\u3082\u3057\u3082\u5927\u304d\u306a\u3051\u304c\u3084\u75c5\u6c17\u3092\u3057\u305f\u5834\u5408\u306b\u306f\u9ad8\u984d\u306e\u8ca0\u62c5\u3068\u306a\u308a\u307e\u3059\u3002\u30aa\u30d0\u30de\u30b1\u30a2\u4fdd\u967a\u306e\u307b\u3046\u306f\u3001Out of Pocket Max\u304c$6,500\u3067\u3059\u306e\u3067\u3001\u305d\u308c\u3092\u8d85\u3048\u305f\u90e8\u5206\u306f\u4fdd\u967a\u4f1a\u793e\u304c\u5168\u984d\u8ca0\u62c5\u3057\u3066\u304f\u308c\u308b\u3053\u3068\u306b\u306a\u308a\u3001\u305d\u306e\u3046\u3048\u3001\u4e0a\u3067\u66f8\u3044\u305f\u3068\u304a\u308a\u88dc\u511f\u306e\u9650\u5ea6\u984d\u304c\u306a\u3044\u306e\u3067\u3001\u305d\u306e\u5f8c\u3044\u304f\u3089\u533b\u7642\u8cbb\u304c\u304b\u304b\u3063\u305f\u3068\u3057\u3066\u3082\u4fdd\u967a\u4f1a\u793e\u304c\u8ca0\u62c5\u3057\u307e\u3059\u3002\u3064\u307e\u308a\u9ad8\u984d\u533b\u7642\u306e\u88dc\u511f\u306f\u4e07\u5168\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u307e\u305f\u3001\u4e0a\u8a18\u306e\u4f8b\u306e\u3088\u3046\u306aHigh Deductible \u306e\u30aa\u30d0\u30de\u30b1\u30a2\u4fdd\u967a\u306e\u5834\u5408\u3001HSA(Health Saving Account)\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u306e\u3067\u3001\u7a0e\u63a7\u9664\u3092\u3046\u3051\u3066\uff28\uff33\uff21\u306b\u7a4d\u307f\u7acb\u3066\u3001\u5229\u56de\u308a\u3082\u7a0e\u9045\u5ef6\/\u7a0e\u63a7\u9664\u3067\u51fa\u91d1\u3068\u3044\u3046\u512a\u9047\u63aa\u7f6e\u3092\u53d7\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u77ed\u671f\u5065\u5eb7\u4fdd\u967a\u306f\u305f\u3068\u3048\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u308bDeductible\u304c\u9ad8\u984d\u3067\u3082HSA\u5229\u7528\u306e\u8cc7\u683c\u3092\u5f97\u308b\u3053\u3068\u306f\u3067\u304d\u307e\u305b\u3093\u3002\u533b\u7642\u8cbb\u306f\u7a0e\u5f15\u304d\u5f8c\u306e\u53ce\u5165\u304b\u3089\u652f\u6255\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n
<\/p>\n
\u77ed\u671f\u5065\u5eb7\u4fdd\u967a\u306f\u30aa\u30d0\u30de\u30b1\u30a2\u4fdd\u967a\u3067\u88dc\u511f\u304c\u5fc5\u9808\u3068\u3055\u308c\u3066\u3044\u308b\u5185\u5bb9\u3092\u3059\u3079\u3066\u30ab\u30d0\u30fc\u3059\u308b\u5fc5\u8981\u304c\u306a\u3044\u306e\u3067\u3001\u4e0b\u306e\u4f8b\u3067\u3082\u5b9a\u671f\u7684\u5065\u5eb7\u8a3a\u65ad\u3084\u30de\u30bf\u30cb\u30c6\u30a3\u30fc\u30b1\u30a2\u3001\u51e6\u65b9\u7b8b\u306a\u3069\u306e\u88dc\u511f\u304c\u624b\u8584\u3067\u3059\u3002<\/p>\n
\u3053\u306e\u3088\u3046\u306a\u80cc\u666f\u304b\u3089\u3001\u77ed\u671f\u4fdd\u967a\u3067\u306f\u4fdd\u967a\u6599\u306f\u5b89\u3044\u3082\u306e\u306e\u3001\u81ea\u5df1\u8ca0\u62c5\u984d\u306f\u5927\u304d\u304f\u306a\u308a\u304c\u3061\u3067\u3042\u308b\u3068\u3044\u3046\u5371\u967a\u6027\u3092\u306f\u3089\u3093\u3067\u3044\u307e\u3059\u3002\u9023\u90a6\u653f\u5e9c\u306e\u5404\u5bb6\u5ead\u3067\u306e\u533b\u7642\u8cbb\u8ca0\u62c5\u5e73\u5747\u984d\uff08Deductible\u3001Copay\u3001Coinsurance\uff09\u306f$3,301\u3068\u3044\u3046\u4e88\u60f3\u30c7\u30fc\u30bf\u304c\u3042\u308b\u306e\u306b\u5bfe\u3057\u3001\u77ed\u671f\u4fdd\u967a\u52a0\u5165\u8005\u306e\u8ca0\u62c5\u5e73\u5747\u984d\u306f$4,000\u5f31\u3068\u3044\u3046\u30c7\u30fc\u30bf\u3082\u51fa\u3066\u3044\u307e\u3059\u3002<\/p>\n
\u3055\u3089\u306b\u306f\u3001\u77ed\u671f\u5065\u5eb7\u4fdd\u967a\u3067\u306f\u30aa\u30de\u30d0\u30b1\u30a2\u8a8d\u5b9a\u306e\u4fdd\u967a\u3068\u306f\u307f\u306a\u3055\u308c\u305a\u3001\u30aa\u30d0\u30de\u30b1\u30a2\u5236\u5ea6\u4e0a\u3067\u306f\u3042\u304f\u307e\u3067\u300c\u7121\u4fdd\u967a\u300d\u3068\u307f\u306a\u3055\u308c\u308b\u306e\u3067\u3001\u7121\u4fdd\u967a\u8005\u306b\u8ab2\u305b\u3089\u308c\u308b\u7f70\u91d1\u306e\u5bfe\u8c61\u3068\u306a\u308a\u307e\u3059\u3002\uff082018\u5e7410\u6708\u8ffd\u8a18\uff1a\u30002019\u5e74\u5ea6\u304b\u3089\u306f\u7f70\u91d1\u306f\u304b\u304b\u3089\u306a\u304f\u306a\u308a\u307e\u3059\u3002\uff09<\/p>\n
\u3053\u306e\u6bd4\u8f03\u306f\u307b\u3093\u306e\u4e00\u4f8b\u3067\u3042\u308a\u3001\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u77ed\u671f\u5065\u5eb7\u4fdd\u967a\u306e\u307b\u3046\u304c\u6709\u5229\u3067\u3042\u308b\u53ef\u80fd\u6027\u3082\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u30d6\u30fc\u30e0\u3060\u304b\u3089\u3068\u3044\u3063\u3066\u77ed\u671f\u5065\u5eb7\u4fdd\u967a\u3092\u5b89\u6613\u306b\u8cfc\u5165\u3059\u308b\u3053\u3068\u306f\u907f\u3051\u306d\u3070\u306a\u308a\u307e\u305b\u3093\u3002\u533b\u7642\u4fdd\u967a\u306f\u3001\u30aa\u30d0\u30de\u30b1\u30a2\u4fdd\u967a\u3067\u3042\u3063\u3066\u3082\u77ed\u671f\u5065\u5eb7\u4fdd\u967a\u3067\u3042\u3063\u3066\u3082\u3001\u305d\u306e\u88dc\u511f\u5185\u5bb9\u3092\u3088\u304f\u3088\u304f\u898b\u3066\u6c7a\u3081\u308b\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"
\u5065\u5eb7\u4fdd\u967a\u30de\u30fc\u30b1\u30c3\u30c8\u3067\u5909\u5316\u304c\u8d77\u304d\u3066\u3044\u307e\u3059\u3002<\/p>\n
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