{"id":4155,"date":"2017-10-10T09:25:12","date_gmt":"2017-10-10T17:25:12","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=4155"},"modified":"2017-10-03T16:25:34","modified_gmt":"2017-10-04T00:25:34","slug":"high-deductible","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/high-deductible\/","title":{"rendered":"High Deductible\u5065\u5eb7\u4fdd\u967a\u30fc\u304a\u91d1\u304c\u306a\u3044\u304b\u3089\u533b\u7642\u3092\u53d7\u3051\u306a\u3044\uff1f"},"content":{"rendered":"<p>High Deductible\u30d7\u30e9\u30f3\u306f\u3001\u5065\u5eb7\u3067\u3042\u307e\u308a\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u4f7f\u308f\u306a\u3044\u4eba\u306a\u3089\u4fdd\u967a\u6599\u304c\u975e\u5e38\u306b\u4f4e\u304f\u6291\u3048\u3089\u308c\u3068\u3044\u3046\u7279\u5178\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u306e\u4e0a\u3001High Deductible\u30d7\u30e9\u30f3\u3068\u3068\u3082\u306bHealth Savings Account\uff08HSA\uff09\u3082\u96c7\u7528\u8005\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3068\u3057\u3066\u63d0\u4f9b\u3055\u308c\u308b\u5834\u5408\u304c\u591a\u304f\u3001\u3057\u3070\u3057\u3070\u96c7\u7528\u4e3b\u304c\u3044\u304f\u3089\u304b\u7a4d\u307f\u7acb\u3066\u3066\u304f\u308c\u308b\u304a\u307e\u3051\u307e\u3067\u3064\u3044\u3066\u304d\u307e\u3059\u3002\u81ea\u5206\u3067\u3082\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u304c\u3067\u304d\u3001\u7a4d\u307f\u7acb\u3066\u305f\u304a\u91d1\u306f\u6240\u5f97\u7a0e\u63a7\u9664\u306e\u5bfe\u8c61\u3068\u306a\u308a\u3001\u307e\u305f\u533b\u7642\u8cbb\u306b\u4f7f\u3048\u3070\u305d\u306e\u307e\u307e\u7a0e\u91d1\u3092\u4e00\u5207\u652f\u6255\u3046\u3053\u3068\u306a\u304f\u5229\u7528\u3067\u304d\u307e\u3059\u3002\u8caf\u91d1\u3060\u3051\u3067\u306a\u304f\u3001\u9577\u671f\u7684\u306b\u6295\u8cc7\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306b\u3082\u5145\u3066\u3089\u308c\u308b\u306a\u3069\u9b45\u529b\u7684\u306a\u30dd\u30a4\u30f3\u30c8\u304c\u305f\u304f\u3055\u3093\u3046\u305f\u308f\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u6d88\u8cbb\u8005\u304c\u88c1\u91cf\u3059\u308b\u30d8\u30eb\u30b9\u30fb\u30d7\u30e9\u30f3<\/h2>\n<p>\u3057\u304b\u3057\u306a\u304c\u3089\u3001High Deductible\u30d7\u30e9\u30f3\u306fConsumer 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\u533b\u7642\u8cbb\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u306e\u8cac\u4efb\u3092\u3001\u4fdd\u967a\u4f1a\u793e\u3084\u96c7\u7528\u4e3b\u306a\u3069\u304b\u3089\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u308b\u500b\u4eba\u306b\u79fb\u3059\u3053\u3068\u3092\u76ee\u7684\u306b\u3057\u3066\u3044\u308b\u3082\u306e\u3067\u3042\u308a\u3001\u300c\u81ea\u5df1\u8cac\u4efb\u306e\u533b\u7642\u300d\u3068\u3044\u3046\u975e\u5e38\u306b\u30b7\u30d3\u30a2\u306a\u9078\u629e\u3067\u3082\u3042\u308a\u307e\u3059\u3002Consumer Directed Health Plan\u3067\u306f\u3001\u5c02\u9580\u533b\u3001\u30c6\u30b9\u30c8\u30bb\u30f3\u30bf\u30fc\u306e\u9078\u629e\u3084\u5024\u6bb5\u306e\u78ba\u8a8d\u3001\u4fdd\u967a\u304c\u3069\u306e\u304f\u3089\u3044\u5229\u304f\u304b\u306e\u78ba\u8a8d\u306a\u3069\u306e\u6700\u7d42\u8cac\u4efb\u306f\u3001\u3059\u3079\u3066\u60a3\u8005\u306b\u307e\u304b\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u540c\u3058\u533b\u7642\u63aa\u7f6e\u3067\u3042\u3063\u3066\u3082\u3001\u30af\u30ea\u30cb\u30c3\u30af\u3001\u75c5\u9662\u3001\u533b\u7642\u30bb\u30f3\u30bf\u30fc\u306a\u3069\u305d\u308c\u305e\u308c\u306e\u7d44\u7e54\u3067\u3001\u533b\u7642\u63aa\u7f6e\u306b\u5bfe\u3059\u308b\u5024\u6bb5\u304c\u5927\u304d\u304f\u9055\u3046\u3053\u3068\u306f\u30a2\u30e1\u30ea\u30ab\u3067\u306f\u5468\u77e5\u306e\u4e8b\u5b9f\u3067\u3059\u3002\u305d\u306e\u4e2d\u304b\u3089\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u304b\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5916\u304b\u3068\u3044\u3046\u78ba\u8a8d\u306b\u306f\u3058\u307e\u308a\u3001\u8cea\u3092\u72a0\u7272\u306b\u305b\u305a\u306a\u308b\u3079\u304f\u5b89\u4fa1\u306b\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u3046\u3051\u3089\u308c\u308b\u5834\u6240\u3092\u63a2\u3059\u307e\u3067\u306e\u8cac\u4efb\u304c\u3001\u500b\u4eba\u306b\u8a17\u3055\u308c\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u307e\u305f\u3001High Deductible\u30d7\u30e9\u30f3\u306e\u5834\u5408\u3001\u5e74\u9593Deductible\u306b\u9054\u3059\u308b\u307e\u3067\u306f\u81ea\u5206\u306e\u304a\u8ca1\u5e03\u3001\u3042\u308b\u3044\u306fHSA\u304b\u3089\u533b\u7642\u8cbb\u3092\u652f\u6255\u3044\u307e\u3059\u3002\u3044\u305a\u308c\u306b\u305b\u3088\u81ea\u5206\u306e\u304a\u91d1\u3067\u3042\u308a\u3001\u75c5\u6c17\u3092\u3057\u306a\u3044\u3068\u5927\u304d\u304f\u4fdd\u967a\u6599\u306e\u7bc0\u7d04\u304c\u53ef\u80fd\u3067\u3059\u304c\u3001\u75c5\u6c17\u3092\u3059\u308b\u3068\u307e\u3068\u307e\u3063\u305f\u304a\u91d1\u304c\u51fa\u3066\u3044\u304f\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002\u3088\u3063\u3066\u6d88\u8cbb\u8005\u306f\u5065\u5eb7\u306b\u6c17\u3092\u3064\u3051\u3001\u306a\u308b\u3079\u304f\u75c5\u6c17\u306b\u306a\u3089\u306a\u3044\u3088\u3046\u306b\u52aa\u3081\u3001\u75c5\u6c17\u306b\u306a\u3063\u3066\u3082\u3061\u3087\u3063\u3068\u3057\u305f\u75c7\u72b6\u306a\u3089\u6562\u3048\u3066\u75c5\u9662\u306b\u306f\u884c\u304b\u305a\u3001\u305d\u3057\u3066\u3069\u3046\u3057\u3066\u3082\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u3056\u308b\u3092\u3048\u306a\u306a\u3089\u3070\u3067\u304d\u308b\u3060\u3051\u5b89\u4fa1\u306a\u3068\u3053\u308d\u3092\u63a2\u3057\u6c42\u3081\u3066\u3044\u304f\u3068\u3044\u3046\u884c\u52d5\u3092\u3068\u308b\u3053\u3068\u3067\u3001\u96c6\u56e3\u7684\u3001\u3072\u3044\u3066\u306f\u56fd\u5bb6\u7684\u306b\u81a8\u3089\u307f\u7d9a\u3051\u308b\u533b\u7642\u30b3\u30b9\u30c8\u306b\u6b6f\u6b62\u3081\u3092\u304b\u3051\u3088\u3046\u30fb\u30fb\u3068\u3044\u3046\u306e\u304cHigh Deductible\u30d7\u30e9\u30f3\u5c0e\u5165\u306e\u72d9\u3044\u3067\u3057\u305f\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>\u305d\u308c\u3067\u5b9f\u614b\u306f\u30fb\u30fb\u30fb<\/h2>\n<p>\u3053\u306e\u6d88\u8cbb\u8005\u3092\u5dfb\u304d\u8fbc\u3093\u3060\u533b\u7642\u8cbb\u524a\u6e1b\u8a08\u753b\u3067\u3042\u308bHigh Deducible\u30d7\u30e9\u30f3\u3001\u305d\u306e\u5b9f\u614b\u306f\u3044\u304b\u306b\uff1fConsumer Reports\u306b\u3088\u308b\u3068\u3001\u300c\uff08\u6d88\u8cbb\u8005\u306b\u3088\u308b\uff09\u3053\u306e\u533b\u7642\u30b3\u30b9\u30c8\u30b7\u30a7\u30a2\u30ea\u30f3\u30b0\u30d7\u30e9\u30f3\u306f\u3001\u6d88\u8cbb\u8005\u306b\u3068\u3063\u3066\u591a\u304f\u306e\u5bb3\u3092\u3082\u305f\u3089\u3057\u3066\u3044\u308b\u300d\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u305f\u3057\u304b\u306b\u5168\u4f53\u7684\u306a\u533b\u7642\u30b3\u30b9\u30c8\u306f\u4e0b\u304c\u3063\u305f\u3068\u3044\u3046\u5831\u544a\u304c\u3042\u308b\u3088\u3046\u3067\u3059\u304c\u3001\u305d\u306e\u30b3\u30b9\u30c8\u524a\u6e1b\u306f\u307b\u3068\u3093\u3069\u3001\u6d88\u8cbb\u8005\u304c\u81ea\u5206\u304c\u53d7\u3051\u308b\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u524a\u6e1b\u3057\u300c\u53d7\u3051\u306a\u3044\u300d\u3053\u3068\u304b\u3089\u5b9f\u73fe\u3055\u308c\u305f\u3082\u306e\u3067\u3042\u308b\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>High Deductible\u30d7\u30e9\u30f3\u3092\u5229\u7528\u3059\u308b\u4eba\u306f\u3001\u672c\u6765\u306a\u3089\u3070\u3001\u6bd4\u8f03\u7684\u5065\u5eb7\u3067\u3001\u3057\u304b\u3082\u75c5\u6c17\u306b\u306a\u3063\u305f\u6642\u3082\u533b\u7642\u6a5f\u95a2\u3092\u8abf\u3079\u305f\u308a\u3001\u4fdd\u967a\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u5916\u306e\u533a\u5225\u3092\u8abf\u3079\u305f\u308a\u3001\u5404\u6a5f\u95a2\u3067\u306e\u5024\u6bb5\u306e\u9055\u3044\u3092\u8abf\u3079\u305f\u308a\u3057\u3066\u3001\u8ce2\u3044\u6d88\u8cbb\u8005\u3068\u3057\u3066\u7acb\u3061\u56de\u308c\u308b\u4eba\u3067\u3067\u3042\u308b\u3053\u3068\u3092\u60f3\u5b9a\u3057\u3066\u3044\u308b\u308f\u3051\u3067\u3059\u304c\u3001\u5b9f\u969b\u3075\u305f\u3092\u958b\u3051\u3066\u307f\u308b\u3068\u3001\u305d\u306e\u3088\u3046\u306a\u30ea\u30b5\u30fc\u30c1\u3084\u5024\u8e0f\u307f\u306e\u3088\u3046\u306a\u3053\u3068\u306f\u307b\u3068\u3093\u3069\u884c\u308f\u308c\u3066\u304a\u3089\u305a\u3001\u305d\u306e\u304b\u308f\u308a\u533b\u7642\u8cbb\u304c\u767a\u751f\u3059\u308b\u3053\u3068\u3092\u6050\u308c\u3066\u3001\u305d\u3082\u305d\u3082\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u306a\u3044\u6c7a\u65ad\u3092\u3059\u308b\u50be\u5411\u304c\u591a\u304f\u3001\u305d\u306e\u7d50\u679c\u533b\u7642\u30b3\u30b9\u30c8\u304c\u4e0b\u304c\u3063\u3066\u3044\u308b\u3068\u3044\u3046\u306e\u3067\u3059\u3002<\/p>\n<p>Kaiser Family Foundation\u306e\u8abf\u3079\u306b\u3088\u308b\u3068\u3001\uff14\uff13\uff05\u306eHigh Deductible\u30d7\u30e9\u30f3\u306e\u60a3\u8005\u304c\u3001\u9ad8\u3044\u533b\u7642\u8cbb\u3092\u6050\u308c\u3066\u3001\u533b\u8005\u306b\u52e7\u3081\u3089\u308c\u305f\u533b\u7642\u63aa\u7f6e\u3084\u30c6\u30b9\u30c8\u3092\u53d7\u3051\u306a\u3044\u3068\u3044\u3046\u6c7a\u65ad\u3092\u3057\u305f\u3068\u5831\u544a\u3057\u3066\u3044\u307e\u3059\u3002Commonwealth Fund Study\u306b\u3088\u308c\u3070\u3001High Deductible\u30d7\u30e9\u30f3\u306e\u52a0\u5165\u8005\u306e4\u4eba\u306b\u3072\u3068\u308a\u304c\u30c6\u30b9\u30c8\u3084\u30c1\u30a7\u30c3\u30af\u30a2\u30c3\u30d7\u306a\u3069\u306e\u53d7\u8a3a\u3092\u5148\u9001\u308a\u3057\u305f\u3053\u3068\u304c\u3042\u308b\u3068\u5831\u544a\u3057\u3066\u3044\u307e\u3059\u3002UC Berkeley\u3068Harvard\u306e\u5171\u540c\u7814\u7a76\u3067\u306f\u3001High Deductible\u30d7\u30e9\u30f3\u52a0\u5165\u8005\u306f\u3001\uff14\uff12\uff05\u533b\u7642\u8cbb\u30b3\u30b9\u30c8\u3092\u524a\u6e1b\u3057\u305f\u3082\u306e\u306e\u3001\u3053\u308c\u306f\u4e3b\u306b\u3001\u53d7\u3051\u308b\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306e\u91cf\u81ea\u4f53\u3092\u5c11\u306a\u304f\u3057\u305f\u305f\u3081\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u305f\u3044\u3057\u305f\u75c7\u72b6\u3067\u3082\u306a\u3044\u306e\u306b\u3042\u307e\u308a\u306b\u7c21\u5358\u306b\u533b\u8005\u306b\u304b\u304b\u308b\u3088\u3046\u306a\u300c\u4e0d\u5fc5\u8981\u306a\u533b\u7642\u300d\u306f\u306a\u304f\u306a\u308b\u306b\u8d8a\u3057\u305f\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u672c\u6765\u306a\u3089\u304d\u3061\u3093\u3068\u30c6\u30b9\u30c8\u3092\u53d7\u3051\u3001\u8a3a\u65ad\u3092\u3055\u308c\u3066\u3001\u65e9\u671f\u51e6\u7f6e\u3092\u3059\u3079\u304d\u3082\u306e\u304c\u305d\u306e\u307e\u307e\u306b\u3055\u308c\u305f\u308a\u3001\u3082\u3046\u3059\u3067\u306b\u9032\u3093\u3067\u3044\u308b\u75c7\u72b6\u3067\u3082\u533b\u7642\u8cbb\u304c\u304b\u3055\u3080\u3053\u3068\u3092\u6050\u308c\u308b\u3042\u307e\u308a\u53d7\u8a3a\u3092\u5148\u5ef6\u3070\u3057\u306b\u3059\u308b\u3068\u3044\u3046\u884c\u52d5\u304c\u591a\u304f\u307f\u3089\u308c\u308b\u3088\u3046\u306b\u306a\u3063\u305f\u308f\u3051\u3067\u3059\u3002Kaiser Family Foundation\u306e\u5831\u544a\u306b\u3088\u308b\u3068\u3001High Deductible\u30d7\u30e9\u30f3\u3067\u306e\u3001\u500b\u4eba\u304c\u5b9f\u969b\u306b\u652f\u6255\u3046\u5e73\u5747\u5e74\u9593\u533b\u7642\u8cbb\u306f$2,295\u3001\u5bb6\u65cf\u3067\u5e73\u5747\u5e74\u9593$4,364\u3068\u3044\u3046\u6570\u5b57\u3067\u3057\u305f\u3002<\/p>\n<p>\u53cd\u9762\u3001National Bureau of Economic Research\u306e\u8abf\u3079\u306b\u3088\u308b\u3068\u3001High Deductible\u30d7\u30e9\u30f3\u3092\u63d0\u4f9b\u3059\u308b\u3053\u3068\u306b\u3088\u3063\u3066\u4f01\u696d\u3084\u96c7\u7528\u4e3b\u306f\u5065\u5eb7\u4fdd\u967a\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u306e\u63d0\u4f9b\u30b3\u30b9\u30c8\u306e\u524a\u6e1b\u3092\u5b9f\u73fe\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u306e\u30b3\u30b9\u30c8\u524a\u6e1b\u52b9\u679c\u306f\u4f01\u696d\u306b\u3068\u3063\u3066\u306f\u9b45\u529b\u7684\u3067\u3042\u308a\u3001High Deductible\u30d7\u30e9\u30f3\u306e\u4f01\u696d\u5074\u3067\u306e\u4eba\u6c17\u306f\u307e\u3059\u307e\u3059\u9ad8\u307e\u308a\u3001\u5065\u5eb7\u4fdd\u967a\u306fHigh Deductible\u30d7\u30e9\u30f3\u3057\u304b\u63d0\u4f9b\u3057\u3066\u3044\u306a\u3044\u3068\u3044\u3046\u4f01\u696d\u3082\u591a\u304f\u306a\u3063\u3066\u304d\u307e\u3057\u305f\u3002\uff12\uff10\uff11\uff16\u5e74\u73fe\u5728\u3067\u306eHigh Deductible\u30d7\u30e9\u30f3\u306b\u5165\u3063\u3066\u3044\u308b\u96c7\u7528\u8005\u306f\uff12\uff19\uff05\u3067\u3057\u305f\u30023\u5e74\u4ee5\u5185\u306b\u306f\u3001\uff14\uff10\uff05\u306e\u4f01\u696d\u304c\u5065\u5eb7\u4fdd\u967a\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3068\u3057\u3066High Deductible\u30d7\u30e9\u30f3\u4ee5\u5916\u306e\u30d7\u30e9\u30f3\u3092\u63d0\u4f9b\u3057\u306a\u304f\u306a\u308b\u3060\u308d\u3046\u3068\u3044\u3046\u4e88\u6e2c\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u3053\u306e\u3088\u3046\u306a\u80cc\u666f\u3092\u9451\u307f\u3064\u3064\u3001\u4ee5\u4e0b\u306b\u5065\u5eb7\u4fdd\u967a\u3092\u9078\u3076\u5834\u5408\u306b\u8003\u616e\u3059\u308b\u70b9\u3092\u30ea\u30b9\u30c8\u3057\u3066\u307f\u307e\u3057\u305f\u3002<\/p>\n<h2>\u3082\u3057High Deductible\u30d7\u30e9\u30f3\u4ee5\u5916\u306b\u3082\u9078\u629e\u80a2\u304c\u3042\u308b\u306a\u3089\u3002\u3002\u3002<\/h2>\n<p>High Deductible\u30d7\u30e9\u30f3\u306f\u3001\u5065\u5eb7\u3067\u3042\u308c\u3070\u5927\u304d\u304f\u4fdd\u967a\u6599\u304c\u7bc0\u7d04\u3067\u304d\u308b\u3046\u3048\u3001HSA\u306b\u3069\u3093\u3069\u3093\u304a\u91d1\u304c\u8caf\u307e\u308a\u3001\u8001\u5f8c\u3078\u306e\u6295\u8cc7\u307e\u3067\u3067\u304d\u3066\u3057\u307e\u3046\u9b45\u529b\u304c\u3042\u308a\u307e\u3059\u3002\u53cd\u9762\u3001\u30b3\u30b9\u30c8\u3092\u3042\u307e\u308a\u5fc3\u914d\u305b\u305a\u306b\u3001\u5fc5\u8981\u3060\u3068\u601d\u308f\u308c\u308b\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u306f\u7a4d\u6975\u7684\u306b\u53d7\u3051\u5065\u5eb7\u3092\u7dad\u6301\u3059\u308b\u3068\u3044\u3046\u9762\u3067\u306f\u3001\u4eba\u9593\u306e\u300c\u306a\u308b\u3079\u304f\u304a\u91d1\u3092\u6255\u3044\u305f\u304f\u306a\u3044\u300d\u3068\u3044\u3046\u5fc3\u7406\u304c\u3042\u308b\u4ee5\u4e0a\u3001\u597d\u307e\u3057\u304f\u306a\u3044\u5074\u9762\u3082\u6301\u3061\u5408\u308f\u305b\u3066\u3044\u307e\u3059\u3002\u5c0f\u3055\u3044\u304a\u5b50\u3055\u3093\u304c\u3044\u308b\u5834\u5408\u3001\u4eca\u306f\u5065\u5eb7\u3067\u3082\u52a0\u9f62\u306e\u305b\u3044\u3067\u3044\u3064\u75c5\u9662\u901a\u3044\u304c\u5fc5\u8981\u306b\u306a\u308b\u304b\u308f\u304b\u3089\u306a\u3044\u5834\u5408\u306a\u3069\u306f\u3001High Deductible\u30d7\u30e9\u30f3\u4ee5\u5916\u306e\u5065\u5eb7\u4fdd\u967a\u3092\u8003\u616e\u3059\u308b\u3053\u3068\u304c\u8ce2\u660e\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p>\u4fdd\u967a\u4f1a\u793e\u306eWeb\u30da\u30fc\u30b8\u306a\u3069\u3067\u3001\u75c5\u6c17\u306b\u306a\u308b\u78ba\u7387\u3084\u85ac\u3092\u5fc5\u8981\u3068\u3059\u308b\u78ba\u7387\u3092\u8a2d\u5b9a\u3057\u306a\u304c\u3089\u3001\u3069\u306e\u30d7\u30e9\u30f3\u304c\u5f97\u304b\u3092\u8a08\u7b97\u3057\u3066\u304f\u308c\u308b\u30ab\u30ea\u30ad\u30e5\u30ec\u30bf\u30fc\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3089\u306e\u30ab\u30ea\u30ad\u30e5\u30ec\u30fc\u30bf\u3067\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u3092\u3057\u3066\u91d1\u984d\u4e0a\u306e\u541f\u5473\u3092\u3059\u308b\u3053\u3068\u3082\u5fc5\u8981\u3067\u3059\u304c\u3001\u540c\u6642\u306b\u306a\u306b\u304b\u300c\u6c17\u306b\u306a\u308b\u75c7\u72b6\u300d\u304c\u3042\u308a$600\u306eCT\u30b9\u30ad\u30e3\u30f3\u3092\u85a6\u3081\u3089\u308c\u305f\u3068\u304d\u3001\u81ea\u5206\u304c\u3069\u3046\u3044\u3046\u53cd\u5fdc\u3092\u3059\u308b\u304b\u3092\u60f3\u50cf\u3057\u3066\u307f\u308b\u3053\u3068\u3082\u5fc5\u8981\u3067\u3059\u3002\u3051\u3061\u3063\u3066\u53d7\u3051\u306a\u3044\u53ef\u80fd\u6027\u304c\u3042\u308b\u306e\u306a\u3089\u3001High Deducible\u4ee5\u5916\u304c\u3088\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<h2>High\u3000Deductible\u30d7\u30e9\u30f3\u3092\u9078\u629e\u3059\u308b\u306e\u306a\u3089\u3002\u3002\u3002<\/h2>\n<p>\u307e\u305a\u306f\u3054\u81ea\u5206\u306eHigh Deductible\u30d7\u30e9\u30f3\u3092\u3088\u304f\u7406\u89e3\u3057\u307e\u3057\u3087\u3046\u3002High Deductible\u30d7\u30e9\u30f3\u3067\u3042\u3063\u3066\u3082\u3001\u7121\u6599\u3067\u53d7\u3051\u3089\u308c\u308b\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u304c\u3042\u308a\u307e\u3059\u3002\u30eb\u30fc\u30c6\u30a3\u30f3\u306e\u5065\u5eb7\u8a3a\u65ad\u3001\u5927\u8178\u304c\u3093\u691c\u8a3a\u3001\u4e73\u304c\u3093\u691c\u8a3a\u3001\u4e88\u9632\u6ce8\u5c04\u306a\u3069\u306f\u7121\u6599\u3067\u3059\uff08\u5c11\u306a\u304f\u3068\u3082\u30aa\u30d0\u30de\u30b1\u30a2\u304c\u751f\u304d\u3066\u3044\u308b\u9650\u308a\uff09\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u3053\u308c\u3089\u306e\u30b5\u30fc\u30d3\u30b9\u304c\u7121\u6599\u3067\u53d7\u3051\u3089\u308c\u308b\u3053\u3068\u3092\u77e5\u3063\u3066\u3044\u308b\u3068\u7b54\u3048\u305fHigh Deducible\u52a0\u5165\u8005\u306f10\u4eba\u306b\u3072\u3068\u308a\u3068\u3044\u3046\u30c7\u30fc\u30bf\u304c\u3042\u308a\u307e\u3059\u3002\uff12\uff10\uff05\u306e\u52a0\u5165\u8005\u306f\u304a\u91d1\u304c\u304b\u304b\u308b\u3068\u601d\u3063\u305f\u306e\u3067\u53d7\u3051\u306a\u304b\u3063\u305f\u3068\u7b54\u3048\u3066\u3044\u307e\u3059\u3002\u7121\u6599\u30b5\u30fc\u30d3\u30b9\u306f\u53d7\u3051\u3066\uff08\u4f55\u304b\u898b\u3064\u304b\u3063\u305f\u3089\u304a\u91d1\u304c\u304b\u304b\u308b\u304b\u3089\u53d7\u3051\u305f\u304f\u306a\u3044\u30fb\u30fb\u306a\u3069\u3068\u306f\u601d\u308f\u306a\u3044\u3053\u3068\uff01\uff09\u3001\u5065\u5eb7\u306e\u7dad\u6301\u3092\u3053\u307e\u3081\u306b\u3057\u3066\u304a\u304f\u3053\u3068\u3092\u5fc3\u639b\u3051\u308b\u306e\u304c\u8ce2\u660e\u3067\u3059\u3002<\/p>\n<p>\u307e\u305f\u3001Deductible\u307e\u3067\u306e\u81ea\u5df1\u8ca0\u62c5\u3092\u6255\u308f\u306a\u3051\u308c\u3070\u306a\u3089\u306a\u304f\u306a\u3063\u305f\u3068\u304d\u3001\u614c\u3066\u306a\u304f\u3066\u3044\u3044\u3088\u3046\u306b\u3059\u3050\u51fa\u3059\u3053\u3068\u304c\u3067\u304d\u308b\u73fe\u91d1\u3092\u7528\u610f\u3059\u308b\u306e\u306f\u7d76\u5bfe\u6761\u4ef6\u3067\u3059\u3002Kaiser Family Foundation\u8abf\u3079\u306b\u3088\u308b\u3068\u300143\uff05\u306e\u52a0\u5165\u8005\u304cDeductible\u306e\u652f\u6255\u3044\u306b\u554f\u984c\u3092\u611f\u3058\u305f\u3068\u3057\u3066\u3044\u307e\u3059\u3002HSA\u306b\u7a4d\u307f\u7acb\u3066\u3092\u3057\u307e\u3057\u3087\u3046\u3002\u500b\u4eba\u306a\u3089\u5e74\u9593$3,400 \u3001\u5bb6\u65cf\u306a\u3089$6,750\u307e\u3067\u7a4d\u307f\u7acb\u3066\u3089\u308c\u307e\u3059\u3002 55\u6b73\u4ee5\u4e0a\u306e\u5834\u5408\u306f\u3001\u500b\u4eba\u306a\u3089 $4,400 \u3001\u5bb6\u65cf\u306a\u3089$7,750\u307e\u3067\u7a4d\u307f\u7acb\u3066\u3089\u308c\u307e\u3059\uff082017\u5e74\u73fe\u5728\uff09\u3002HSA\u30d7\u30e9\u30f3\u306b\u306f\u624b\u6570\u6599\u3084\u305d\u306e\u4ed6\u306e\u6761\u4ef6\u306e\u3046\u3048\u3067\u3001\u3088\u3044\u3082\u306e\u3082\u3042\u307e\u308a\u3088\u304f\u306a\u3044\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002\u96c7\u7528\u4e3b\u304b\u3089HSA\u304c\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u5834\u5408\u306b\u3082\u3001\u305d\u306e\u30d7\u30e9\u30f3\u3092\u4f7f\u308f\u306d\u3070\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u500b\u4eba\u3067\u81ea\u7531\u306b\u4ed6\u306e\u91d1\u878d\u6a5f\u95a2\u306eHSA\u30d7\u30e9\u30f3\u3092\u5951\u7d04\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3088\u3044HSA\u3092\u9078\u3073\u3001\u304a\u91d1\u3092\u7a4d\u307f\u7acb\u3066\u3001\u305d\u306e\u304a\u91d1\u306f\u533b\u7642\u8cbb\u306b\u4f7f\u3046\u3082\u306e\u3067\u3042\u308b\u3053\u3068\u3092\u3088\u304f\u899a\u609f\u3057\u3066\u304a\u304f\u3053\u3068\u3002\u904b\u3088\u304f\u3042\u307e\u308a\u75c5\u6c17\u3084\u3051\u304c\u3092\u305b\u305a\u300c\u4f59\u308c\u3070\u300d\u8001\u5f8c\u306e\u8cc7\u91d1\u306b\u306a\u308b\u3082\u306e\u3067\u3059\u304c\u3001\u5fc5\u8981\u306a\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u306a\u3044\u3053\u3068\u3067\u4f7f\u308f\u306a\u3044\u3088\u3046\u306b\u3057\u3066\u8001\u5f8c\u306b\u6b8b\u305d\u3046\u30fb\u30fb\u3068\u3044\u3046\u306e\u306f\u672c\u672b\u8ee2\u5012\u7684\u306a\u8003\u3048\u3067\u3059\u3002<\/p>\n<p><a href=\"http:\/\/smartandresponsible.com\/blog\/health-savings-account\/\" ><strong>Health Savings Account(HSA)\u3092\u5229\u7528\u3057\u306a\u304d\u3083\u640d!?<\/strong><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2>\u81ea\u5206\u306e\u8cac\u4efb\u3092\u7406\u89e3\u3057\u3066\u679c\u305f\u3059\u3002\u3002<\/h2>\n<p>\u3044\u3056\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u308b\u3068\u304d\u306b\u306f\u3001\u305d\u306e\u30b5\u30fc\u30d3\u30b9\u304c\u4f55\u3067\u3042\u308b\u304b\u3092\u7406\u89e3\u3057\u3001\u3069\u3053\u306e\u65bd\u8a2d\u3067\u53d7\u3051\u308b\u306e\u304c\u3088\u3044\u304b\u6bd4\u8f03\u691c\u8a0e\u3059\u308b\u3068\u3044\u3046\u8cac\u4efb\u304c\u3042\u308b\u3053\u3068\u3092\u7406\u89e3\u3057\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002\u3088\u3063\u3066\u3001\u3042\u3089\u304b\u3058\u3081High Deductible\u30d7\u30e9\u30f3\u306e\u30d7\u30e9\u30f3\u5185\u5bb9\u3092\u628a\u63e1\u3057\u3066\u304a\u304f\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002\u4fdd\u967a\u4f1a\u793e\u306eWeb\u30da\u30fc\u30b8\u306b\u3044\u3051\u3070\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u533b\u5e2b\u3084\u75c5\u9662\u306e\u30c7\u30a3\u30ec\u30af\u30c8\u30ea\u304c\u3042\u308a\u307e\u3059\u304b\u3089\u3001\u3044\u3056\u3068\u3044\u3046\u3068\u304d\u306b\u306f\u305d\u308c\u3092\u4f7f\u3048\u308b\u3088\u3046\u306b\u3042\u3089\u304b\u3058\u3081\u898b\u3066\u304a\u304f\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u307e\u305f\u3001\u305d\u308c\u3089\u306e\u75c5\u9662\u306e\u30ec\u30a4\u30c6\u30a3\u30b0\u8a55\u4fa1\u3084\u3001\u5fc5\u8981\u306a\u533b\u7642\u30b5\u30fc\u30d3\u30b9\uff08MRI\u3068\u304b\u3072\u3056\u624b\u8853\u3068\u304b\uff09\u306e\u60c5\u5831\u3092\u5165\u529b\u3057\u3066\u3001\u75c5\u9662\u3054\u3068\u306e\u5024\u6bb5\u30b5\u30fc\u30c1\u304c\u3067\u304d\u308b\u30c4\u30fc\u30eb\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3068\u3053\u308d\u3082\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u3088\u3046\u306aWeb\u30da\u30fc\u30b8\u3092\u78ba\u8a8d\u3057\u305f\u3053\u3068\u304c\u3042\u308b\u3068\u3057\u3066\u3044\u308b\u306e\u306f\u3001High Deductible\u30d7\u30e9\u30f3\u306e\u52a0\u5165\u8005\u306e\uff11\uff13\uff05\u3068\u306e\u3053\u3068\u3002High Deductible\u30d7\u30e9\u30f3\u306f\u3001\u5225\u540d\u300cConsumer Directed Health Plan\uff08\u6d88\u8cbb\u8005\u304c\u88c1\u91cf\u3059\u308b\u30d8\u30eb\u30b9\u30fb\u30d7\u30e9\u30f3\uff09\u300d\u3067\u3059\u3002High Deductible\u30d7\u30e9\u30f3\u3092\u9078\u3093\u3060\u6642\u70b9\u3067\u3001\u30ea\u30b5\u30fc\u30c1\u306e\u8cac\u4efb\u3092\u8ca0\u3063\u3066\u3044\u308b\u3053\u3068\u3092\u308f\u304b\u3063\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u30c9\u30af\u30bf\u30fc\u306f\u60c5\u5831\u30bd\u30fc\u30b9\u3067\u3059\u3002\u8a3a\u65ad\u30c6\u30b9\u30c8\u3084\u51e6\u65b9\u7b8b\u306a\u3069\u3001\u3067\u304d\u308b\u3060\u3051\u5b89\u4fa1\u306b\u53d7\u3051\u308b\u65b9\u6cd5\u306f\u306a\u3044\u304b\u3068\u3072\u3068\u3053\u3068\u805e\u3044\u3066\u307f\u308b\u3060\u3051\u3067\u9053\u304c\u958b\u3051\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u75c7\u72b6\u306e\u540d\u79f0\u3001\u8a3a\u65ad\u30c6\u30b9\u30c8\u306e\u540d\u79f0\u3001\u85ac\u306e\u540d\u79f0\u306a\u3069\u3067Goole\u691c\u7d22\u3057\u3066\u3001\u81ea\u5206\u3082\u5c11\u3057\u3070\u304b\u308a\u4e88\u5099\u77e5\u8b58\u3092\u3064\u3051\u3066\u3044\u304f\u3053\u3068\u3082\u3001\u53ef\u80fd\u3067\u3042\u308c\u3070\u305c\u3072\u3057\u305f\u3044\u3068\u3053\u308d\u3067\u3059\u3002\u53d7\u3051\u8eab\u3067\u8a00\u308f\u308c\u305f\u3053\u3068\u3092\u9d5c\u5451\u307f\u306b\u3059\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u3053\u3061\u3089\u304b\u3089\u3082\u8cea\u554f\u3059\u308b\u3053\u3068\u3082\u5927\u5207\u304b\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n<p>\u5e74\u9593\u3092\u901a\u3058\u3066\u306eDeductible\u306e\u78ba\u8a8d\u3082\u809d\u5fc3\u3067\u3059\u3002\u73fe\u5728\u307e\u3067\u652f\u6255\u3063\u305fDeductible\u304c\u3069\u306e\u304f\u3089\u3044\u304b\u3092\u628a\u63e1\u3057\u3066\u304a\u304d\u3001\u6025\u304e\u3067\u306a\u3044\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3067\u3042\u308b\u306a\u3089Deductible\u306b\u9054\u3057\u3066\u304b\u3089\u53d7\u3051\u305f\u308a\u3001\u5927\u304d\u306a\u984d\u304c\u5fc5\u8981\u306a\u3082\u306e\u306a\u3089\u5e74\u306e\u521d\u3081\u306b\u53d7\u3051\u308b\u3053\u3068\u3067\u65e9\u3005\u3068Deductible\u3092\u9054\u6210\u3057\u3001\u305d\u306e\u5e74\u306f\u4ed6\u306e\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u5168\u984d\u30ab\u30d0\u30fc\u306b\u3059\u308b\u306a\u3069\u306e\u3084\u308a\u304f\u308a\u3082\u5fc5\u8981\u3067\u3057\u3087\u3046\u3002\u5c02\u9580\u533b\u306a\u3069\u306f\u3001\u96fb\u8a71\u3057\u3066\u3082\u3059\u3050\u306b\u4e88\u7d04\u304c\u3068\u308c\u305a\u30012\u304b\u6708\u5f85\u3061\u3068\u3044\u3046\u3053\u3068\u3082\u3088\u304f\u3042\u308a\u307e\u3059\u304b\u3089\u3001\u65e9\u3081\u306e\u624b\u914d\u3082\u5fc5\u8981\u3067\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>High Deductible\u30d7\u30e9\u30f3\u306f\u3001\u5065\u5eb7\u3067\u3042\u307e\u308a\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u4f7f\u308f\u306a\u3044\u4eba\u306a\u3089\u4fdd\u967a\u6599\u304c\u975e\u5e38\u306b\u4f4e\u304f\u6291\u3048\u3089\u308c\u3068\u3044\u3046\u7279\u5178\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u306e\u4e0a\u3001High Deductible\u30d7\u30e9\u30f3\u3068\u3068\u3082\u306bHealth Savings Account\uff08HSA\uff09\u3082\u96c7\u7528\u8005\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3068\u3057\u3066\u63d0\u4f9b\u3055\u308c\u308b\u5834\u5408\u304c\u591a\u304f\u3001\u3057\u3070\u3057\u3070\u96c7\u7528\u4e3b\u304c\u3044\u304f\u3089\u304b\u7a4d\u307f\u7acb\u3066\u3066\u304f\u308c\u308b\u304a\u307e\u3051\u307e\u3067\u3064\u3044\u3066\u304d\u307e\u3059\u3002\u81ea\u5206\u3067\u3082\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u304c\u3067\u304d\u3001\u7a4d\u307f\u7acb\u3066\u305f\u304a\u91d1\u306f\u6240\u5f97\u7a0e\u63a7\u9664\u306e\u5bfe\u8c61\u3068\u306a\u308a\u3001\u307e\u305f\u533b\u7642\u8cbb\u306b\u4f7f\u3048\u3070\u305d\u306e\u307e\u307e\u7a0e\u91d1\u3092\u4e00\u5207\u652f\u6255\u3046\u3053\u3068\u306a\u304f\u5229\u7528\u3067\u304d\u307e\u3059\u3002\u8caf\u91d1\u3060\u3051\u3067\u306a\u304f\u3001\u9577\u671f\u7684\u306b\u6295\u8cc7\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306b\u3082\u5145\u3066\u3089\u308c\u308b\u306a\u3069\u9b45\u529b\u7684\u306a\u30dd\u30a4\u30f3\u30c8\u304c\u305f\u304f\u3055\u3093\u3046\u305f\u308f\u308c\u3066\u3044\u307e &hellip;<\/p>\n","protected":false},"author":1,"featured_media":4156,"comment_status":"open","ping_status":"open","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":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[8],"tags":[30,42,56,45],"class_list":["post-4155","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-healthinsurance","tag-insurance-buying","tag-choosing-insurance","tag-protect-your-family","tag-fighting-as-consumer"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/09\/medical-appointment-doctor-healthcare-40568.jpeg?fit=525%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-151","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4155","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=4155"}],"version-history":[{"count":1,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4155\/revisions"}],"predecessor-version":[{"id":4157,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/4155\/revisions\/4157"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/4156"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=4155"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=4155"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=4155"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}