{"id":6659,"date":"2024-11-20T14:15:56","date_gmt":"2024-11-20T22:15:56","guid":{"rendered":"https:\/\/smartandresponsible.com\/blog\/?p=6659"},"modified":"2024-11-12T14:18:32","modified_gmt":"2024-11-12T22:18:32","slug":"hsa%e3%82%92%e6%b4%bb%e7%94%a8%e3%81%97%e3%82%88%e3%81%86%ef%bc%81","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/hsa%e3%82%92%e6%b4%bb%e7%94%a8%e3%81%97%e3%82%88%e3%81%86%ef%bc%81\/","title":{"rendered":"HSA\u3092\u6d3b\u7528\u3057\u3088\u3046\uff01"},"content":{"rendered":"\n

\u4eca\u56de\u306fHigh Deductible Health Plan\uff08High Deductible\u30d7\u30e9\u30f3\u3002HDHP\u3068\u7565\u3055\u308c\u308b\uff09\u3068\u3068\u3082\u306b\u4f7f\u308f\u308c\u308b\u3053\u3068\u306e\u591a\u3044HSA\u306b\u3064\u3044\u3066\u53d6\u308a\u4e0a\u3052\u307e\u3059\u3002<\/p>\n\n\n\n

High Deductible<\/strong>\u30d7\u30e9\u30f3\u306b\u5165\u3063\u3066\u3044\u308b\u306a\u3089<\/strong>HSA<\/strong>\u3092\u8003\u616e\u3059\u308b<\/strong><\/strong><\/h2>\n\n\n\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<\/p>\n\n\n\n

\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\u30d7\u30e9\u30f3\u306e\u4fdd\u967a\u4f1a\u793e\u304cHSA\u3092\u63d0\u4f9b\u3059\u308b\u91d1\u878d\u6a5f\u95a2\u3068\u30d1\u30fc\u30c8\u30ca\u30fc\u3092\u7d44\u3093\u3067\u3044\u308c\u3070\u305d\u308c\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3057\u3001\u305d\u3046\u3067\u306a\u3051\u308c\u3070\u3001\u500b\u4eba\u7684\u306b\u91d1\u878d\u6a5f\u95a2\u3092\u9078\u3093\u3067HSA\u3092\u958b\u8a2d\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\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\n\n\n

HDHP<\/strong>\u306b\u52a0\u5165\u3057\u3066\u3044\u308b\u5834\u5408\u3060\u3051\u4f7f\u3048\u308b<\/strong>Saving Account<\/strong><\/h2>\n\n\n\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\u3002\u4e00\u5e74\u3042\u305f\u308a\u500b\u4eba\u3067$4,150(2024)\/ $4,300(2025)\u3001\u5bb6\u65cf\u3067$8,300(2024)\/ $8,550(2025)\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\u4ee5\u4e0a\u306e\u65b9\u306e\u5834\u5408\u306f\u3001$1,000\u3092\u4f59\u5206\u306b\u7a4d\u307f\u7acb\u3066\u3089\u308c\u307e\u3059\u3002\u3082\u3057\u3001Employer\u304cHSA\u306b\u7a4d\u307f\u7acb\u3066\u3066\u304f\u308c\u308b\u5834\u5408\u306f\u3001\u305d\u306e\u5206\u3082\u3053\u306e\u9650\u5ea6\u306b\u6570\u3048\u3089\u308c\u307e\u3059\u306e\u3067\u3001\u500b\u4eba\u3067\u306e\u7a4d\u7acb\u984d\u3092\u6e1b\u3089\u3057\u307e\u3059\u3002<\/p>\n\n\n\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\u524d\u8ff0\u306e\u3068\u304a\u308a\u6240\u5f97\u7a0e\u63a7\u9664\u3067\u3059\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\n\n\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\n\n\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\u591a\u304f\u306e\u5834\u5408\u3001\u96c7\u7528\u4e3b\u304cHDHP\u3068HSA\u3092\u30bb\u30c3\u30c8\u3067\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3053\u3068\u304c\u591a\u3044\u3067\u3059\u304c\u3001\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<\/p>\n\n\n\n

\u81ea\u5206\u3067\u958b\u304fHSA\u53e3\u5ea7\u3068\u3057\u3066\u306f\u30012024\u306eMorningstar\u793e\u306eHSA\u683c\u4ed8\u3051\u306b\u3088\u308b\u3068\u3001Fidelity\u306eHSA\u304c\u4f4e\u624b\u6570\u6599\u3067\u9ad8\u8a55\u4fa1<\/a>\u3092\u5f97\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n

FSA\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\n\n\n

\u53e3\u5ea7\u306e\u304a\u91d1\u3092\u4f7f\u3046<\/strong><\/strong><\/h2>\n\n\n\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<\/p>\n\n\n\n

\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\u3001HSA\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\u3001HSA\u306e\u304a\u91d1\u3067\u652f\u6255\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n\n\n\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\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<\/p>\n\n\n\n

\u30c8\u30ea\u30d7\u30eb\u7bc0\u7a0e<\/strong><\/strong><\/h2>\n\n\n\n

\u524d\u8ff0\u306e\u3068\u304a\u308a\u3001\u7a4d\u307f\u7acb\u3066\u306f\u6240\u5f97\u7a0e\u63a7\u9664\u3067\u3001\u904b\u7528\u5229\u56de\u308a\u3082\u975e\u8ab2\u7a0e\u3001\u305d\u3057\u3066\u533b\u7642\u8cbb\u306b\u4f7f\u3046\u306a\u3089\u5168\u304f\u975e\u8ab2\u7a0e\u3067\u5f15\u304d\u51fa\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u975e\u8ab2\u7a0e\u3067\u7a4d\u307f\u7acb\u3066\u3001\u975e\u8ab2\u7a0e\u3067\u904b\u7528\u3001\u975e\u8ab2\u7a0e\u3067\u5f15\u304d\u51fa\u3057\u3068\u3044\u3046\u306e\u306fHSA\u306b\u3057\u304b\u306a\u3044\u30c8\u30ea\u30d7\u30eb\u7bc0\u7a0e\u7279\u5178\u3067\u3059\u3002<\/p>\n\n\n\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","protected":false},"excerpt":{"rendered":"

\u4eca\u56de\u306fHigh Deductible Health Plan\uff08High Deductible\u30d7\u30e9\u30f3\u3002HDHP\u3068\u7565\u3055\u308c\u308b\uff09\u3068\u3068\u3082\u306b\u4f7f\u308f\u308c\u308b\u3053\u3068\u306e\u591a\u3044HSA\u306b\u3064\u3044\u3066\u53d6\u308a\u4e0a\u3052\u307e\u3059\u3002 High Deductible\u30d7\u30e9\u30f3\u306b\u5165\u3063\u3066\u3044\u308b\u306a\u3089HSA\u3092\u8003\u616e\u3059\u308b \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 …<\/p>\n","protected":false},"author":1,"featured_media":6301,"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":[8,36,62],"tags":[],"class_list":["post-6659","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-healthinsurance","category-investment","category-tax"],"jetpack_publicize_connections":[],"modified_by":null,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2022\/10\/istockphoto-1312191617-170667a.jpg?fit=537%2C322&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-1Jp","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/6659","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=6659"}],"version-history":[{"count":1,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/6659\/revisions"}],"predecessor-version":[{"id":6660,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/6659\/revisions\/6660"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/6301"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=6659"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=6659"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=6659"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}