RISING health-care costs have farmers seeking ways to better manage those costs, both for themselves and for their employees. Health savings accounts, or HSAs, Congress created in the Medicare Prescription Drug, Improvement and Modernization Act of 2003 may help. Individuals can use HSAs to save money to cover future medical expenses. "The idea is to combine an HSA with a high-deductible health-insurance policy," says C. Kent Vandervort, Smith-Feike-Minton Inc., an independent insurance agency in Wilmington, Ohio. "You'd pay routine medical expenses out of the HSA. You'd use the high-deductible insurance for the big expenses. Shifting to a high-deductible policy should trim premium cost of the policy."
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机译：不断上涨的医疗费用使农民寻求自己和员工更好地管理这些费用的方法。国会在2003年《医疗保险处方药，改善和现代化法案》中建立的健康储蓄帐户或HSA可能会有所帮助。个人可以使用HSA节省资金来支付将来的医疗费用。俄亥俄州威尔明顿的一家独立保险机构史密斯·菲克·明顿公司的C. Kent Vandervort说：“这种想法是将HSA与高扣除额的健康保险政策结合起来。” “您需要从HSA中支付常规医疗费用。您将使用高扣除额保险支付大笔费用。转向高扣除额保单将减少保单的保费。”
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