Muna 2003, hurumende yehurumende yakagadzira mhando itsva yekambani, inonzi iyo yehutano yekuchengeta mari (HSA), kuitira kuti zvive nyore kune vamwe vanhu kuti vawane inshuwarhu yehutano. Avo avo vakakodzera vanogona kuderedza mari yemishonga yemishuwarenzi yehutano uye kuchengetedza mutero wemari, zvakare.
HSAs inobatanidza runyorwa rwezvimwe zvakagadzirirwa-kunze kwezvinyorwa zvingatiponesa mutero wemitero pane zvimwe zvipimo.
Chokutanga, kushandiswa kwemari yekushandisa mari (FSA) inokubvumira kuisa mari yezvinhu zvinokosha zvakadai semari yehutano kana kushandiswa kwemasikati. Nhoroondo dzekuchengetwa kwechiremba dzinowanikwawo kune vamwe vanhu. Asi kune zvose zvezviitiko izvi, pamagumo egore, kana usina kushandisa mari yaunoponesa, iwe unorasikirwa nayo. Nokuda kwekutadza kurasika, vanhu vazhinji havazofungi kuisa maitiro ezvinyorwa. Sei vaizoisa pangozi yekurasikirwa mari yavo?
Ndicho chikonzero nhoroondo yekuchengetedza utano inogona kubatsira. Iyo inzira yekuchengetedza mari inoshandiswa pakushandisa mari yehutano, kuziva kuti mari haizombofi yakarasikirwa nokuti haina kushandiswa naDecember 31.
HSAs inoshandiswa pamwe chete ne High-Deductible Health Insurance Plans
Munhu chete anosarudza zvakanyanya-deductible kana nengozi yehutano inshuwarano chirongwa chinogona kushandisa zvakanakira HSA. Sezvo premium yerinishuwarenzi yehutano yakakwira, mamwe mapurogiramu akakwirira-ari kupiwa nevanoshandira.
Izvo zvinowanikwa kune avo vanozvishanda, uye avo vanofanira kutenga mumwe munhu inshuwarisi.
A high-deductible inshuwarano yepuraneti inorayira pasi pemwedzi purogiramu yemwedzi. Nemhaka yekuti deductible yakakwirira kwazvo, mwedzi wepuraimari wepamwedzi wakaderera.
Saka, pfungwa, ndeyekusarudza chirongwa chakakwirira-kubvisa, kubhadhara mubayiro wepamusoro wehushuwarisi, uye kuisa mutsauko muHSA kubhadhara kuchengetedza iyo inshuwarisi isingaiti.
Mari yacho yakachengetedzwa kubva pamatarenda asati aita saka hapana mutero wekubhadhara unobhadharwa pamadhora iwayo.
Iko yakakwirira sei iyo inshuwarisi inodzingwa inoda kuva? Kwegore ra2014, munhu anofanira kusarudza chirongwa ne deductible ye $ 1,250 kana kupfuura. Iyo yakagadzirirwa kumhuri inofanira kunge inenge inodarika $ 2 500.
Muenzaniso wekuti HSA Inoshanda Sei
Iti iwe une rusarudzo pakati peurongwa hwe $ 500 hunodhura hunodhura $ 1 000 pamwedzi kana chirongwa che $ 2,500 chinokonzerwa chinodhura $ 500 pamwedzi. Zviri kuedza kusarudza purogiramu yakaderera, asi inotyisa kufunga nezvekugumburwa nekuda kubhadhara $ 2 500 kubva muhomwe. Saka sarudza iyo yepamusoro deductible uye yepamusoro yepamusoro, uye chengetedza $ 2 500 panguva yegore mune imwe HSA uchisati watora mari. Ichakuchengetedza mazana emadhora emadhora mumitero, pamwe chete iwe uchave nekwanisi yekodhi iyo yekuchengetera chero chero ipi zvayo inogona kutarisirwa kwehutano.
Mari yacho ndeyekuchengeta gore negore uye inoshandiswa kubva kumushandi kumashandi, kana nzvimbo kunzvimbo kusvikira unoda kubvisa mari yako. Hazvizogadziriswa nekuda kwekusashandisa. Uyezve, iwe haubhadhara mitero pamari iyo chero bedzi iyo inoshandiswa chete pamari yekurapa.
Sezvaunoita mari yekurapa yakakodzera, chero chinhu chinobva pakagadzwa kwachiremba kuenda kuchipatara, kune mishonga yemishonga, kunyange mamwe maitiro ekuwedzera kana mamwe maitiro emishonga, unogona kushandisa mari kubva kuHSA yako chero bedzi usingabhadharwi nehutano hwehutano .
Pros uye Cons
HSAs chisarudzo chakanaka kune vamwe vanhu, asi shingairira vamwe. Kana utano hwehutano husati huri mari huru iwe, HSA inogona kushanda zvakanaka. Iwe uchange uchichinja huwandu hwehutano hwako hwehutano kune mari yaunogona kuchengeta uye kushandisa gare gare iwe unonyatsoda. Iwe uchatumira zvishomanana kumakambani einishuwarenzi iyo ichazonyangarika kana ikasazoshandiswa.
Vanhu vakawanda vane mari yepamusoro yezvokurapa havazowani mukana wokushandisa HSA. Kazhinji zvikwata zvakakwirira zvekudzikinura zvinowirirana nepamusoro -soro kubhadhara uye mamwe mimwe miganhu, saka chero ruzivo kuburikidza nekushandiswa kweHSA kunorasikirwa nemari iyo.
Ikoko kunogona kunge kuripo kune imwe mutero inoshandiswa. Iwe unoda kukanganisa dzimwe nhamba kana kutaurira muteresi wako wekutere kuti uone kana HSA ichakuchengetedza mari.
Kugadzirisa kambani yekuchengetedza iri nyore. Zvinopiwa nevamwe vashandi, asi zvichida iwe uchawana kambani yako yveshuwarenzi, bhangi, credit union kana mamwe masangano emari achakugadzirira imwe.
Sezvakanaka kune zvizhinji zvezvirongwa izvi, pane mitemo yakawanda uye mirefu pamusoro pekuti ndiani anokwanisa kutora chikamu, uyo anogona kupa chikwereti kuakaunti yako, kuti mari inogona kushandiswa sei, uye kuti yakawanda sei inogona kuchengetwa kana kushandiswa. Bvunza mumwe munhu mubazi rehupenzi rako revanhu kuti akubatsire nemitemo, uye kuti ubatsire kuziva kana HSA inonzwisisika kwauri.
Kana uine mamwe mibvunzo, hurumende yakabudisa mazita akanaka eHSA zvinyorwa uye zvinowanzobvunzwa mibvunzo.