我用 ChatGPT 问了在美外派人士 HSA 常见问题
我用 ChatGPT 测试了外派人士 HSA 相关问答，结果既令人惊喜也值得警惕：它回答很流畅，但并不自动保证事实准确性。
2026 更新说明： 本文最初发布于 2022 年。若你想看最新 IRS 数字与完整框架，请读：Expat Healthcare Benefits in the US: HSA, FSA & HDHP Guide (2026)。
ChatGPT（OpenAI）在刚开放公开测试的那几天，在美国几乎刷屏。
我看到很多在线示例，从播客主持人、名人到朋友都在试，所以我也自然要亲自测一下 :)
我选择用自己最近写过的话题来测试：
Health Saving Account for expats in the US
这样我能基于已有研究去做基本事实核对。
下面 FAQ 是我和 ChatGPT 的原样问答（复制粘贴）。
另外我发现当时的 ChatGPT 无法直接浏览互联网 :D。这是我从其中一个回答里确认的。
一个非常重要的前提：ChatGPT 并不会自动判断自己回答的事实一定正确，所以请务必自行核查。
我把这些内容放在这里，主要是为了展示“类 ChatGPT 工具在医疗信息场景中的潜在用法”，而不是作为最终权威答案。
Question: Is a Health saving account necessary for expats in the US?
ChatGPT answer: It depends on your individual circumstances and health insurance needs. Health savings accounts (HSAs) are a type of savings account that can be used to pay for qualified medical expenses. They are only available to individuals who are enrolled in a high-deductible health plan (HDHP), and they offer several potential benefits, such as tax savings and the ability to save money for future medical expenses.
Can expat withdraw money from HSA when they leave the US?
ChatGPT answer: If you are an expat and you leave the United States, you may be able to withdraw money from your HSA for qualified medical expenses. However, you will no longer be able to contribute to the HSA once you are no longer a resident of the United States. Additionally, you may be subject to taxes and penalties on any funds that you withdraw from the HSA for non-qualified expenses. It is important to consult with a financial advisor or tax professional for specific information about your situation.
What are the qualified medical expenses that expat can withdraw money from HSA when they are no longer a resident of the US?
ChatGPT answer: Qualified medical expenses for an HSA are generally the same for all account holders, regardless of whether they are a resident of the United States or not. These expenses include things like medical and dental care, prescription drugs, and certain medical equipment. Some specific examples of qualified medical expenses for an HSA include:
- Doctor's office visits
- Hospital stays and surgeries
- Prescription medications
- Dental and vision care
- Certain medical equipment, such as crutches or hearing aids
This is not an exhaustive list, and there may be other expenses that are considered qualified medical expenses for an HSA. It is always best to consult with a financial advisor or tax professional to ensure that you are withdrawing funds from your HSA for eligible expenses.
Is there interest earned by putting money into an HSA account?
ChatGPT answer: Yes, money that is deposited into a health savings account (HSA) can earn interest. The amount of interest that an HSA earns will depend on a number of factors, such as the interest rates offered by the financial institution where the HSA is held and the balance of the account. In general, HSAs are considered to be tax-advantaged accounts, which means that any interest that is earned on the funds in the account is not subject to federal taxes. This can make an HSA a good option for saving money for future medical expenses.
Which financial institution gives the best interest rate for HSA in Dec 2022?
ChatGPT answer: I'm sorry, but I am not able to browse the internet and I do not have information about current interest rates for health savings accounts (HSAs) from specific financial institutions. Interest rates can vary depending on a number of factors, such as the type of HSA and the balance of the account, and they can also change over time. It is always best to shop around and compare rates from different financial institutions to find the best option for your needs. You can also consult with a financial advisor or tax professional for specific information and guidance about HSAs.
How can I invest the money in the HSA account?
ChatGPT answer: You can invest the money in your health savings account (HSA) in a variety of ways, depending on the options offered by the financial institution where the HSA is held. Some HSAs may offer investment options, such as mutual funds or stocks, that allow you to grow your savings over time. However, it is important to keep in mind that HSAs are intended primarily for paying for qualified medical expenses, and any funds that are withdrawn for non-qualified expenses may be subject to taxes and penalties. It is always best to consult with a financial advisor or tax professional before making any decisions about investing money in your HSA.
你觉得这些回答怎么样？
我得承认，我一方面很惊讶于它表达的流畅度；另一方面也有点担心：即使信息不完整，它的语气依然非常笃定。
你有把 ChatGPT 用在实际问题上吗？体验如何？
致敬，
Chandler
P.S: 下面是我和 ChatGPT 的问答截图，方便你自行核对
