Kusiyana neFlexible Spending Account , unogona kuchengeta Aunti yako yeUkuchengetedza Utano paunosiya basa rako. Kunyange kana wakazarura HSA yako musangano neHigh Deductible Health Plan (HDHP) yawakawana kubva kumabasa ako, HSA pachako ndeyekuchengeta. Mari yose iri mauri, kusanganisira zvipo iwe wawakashandisa, michero yawakaita, uye kufarira, ndeyako.
Bharai Premium COBRA Uchishandisa Account Your Health Savings.
Kana uri kurasikirwa nehutano inshuwarisi yako nekuda kwekusiya basa rako, unogona kushandisa mari iri muHSA yako kubhadhara miriyamisi yemwedzi yeCOBRA yekuenderera mberi kwehutano hwehutano hwako. Izvi zvinoonekwa seine mari yakakodzera yekurapa; iwe haufaniri kubhadhara mitero yemari kana kuti 20% chirango cheHSA chekuregererwa kwemaPurayamisi eCOBRA.
Ko kana iwe usingakwanisi kutenga COBRA, haufaniri kupfuurira urongwa hwako hwehutano huripo, kana kuti hauna kukodzerwa neCOBRA ? Chero bedzi uri kugamuchira hurumende kana hurumende inobatsira, iwe unogona kubvisa mari muHSA yako kuti ubhadhara mari yemishuwarenzi yehutano. Semuenzaniso, unogona kutenga chirongwa chehutano kubva kuEast Affordable Care Act yako yehutano kushandiswa kushandiswa uye kushandisa mari kubva kune HSA kuti ubhadhe premiums. Zvichienderana nezvamunowana, unogona kunge uchikwanisa kubhadhara mari yehurumende kuti ikubatsire kubhadhara miriyamisi yemwedzi kuitira kuti HSA yako mari iwedzere mberi.
Zvisinei, pakarepo paunomira kugamuchira rubatsiro rwebasa, usakanganwa kurega kushandisa HSA yako mari kubhadhara iyo miriyamisi yveshuwarisi yehutano.
Shandisa HSA yako seEmergency Fund
Mari iri muHSA yako inogona kubviswa kuti ibhadhara mari yezvechiremba. Asi iwe haufaniri kutora mari kubva kuHSA yako kana iwe uine mari yekurapa.
Pane kudaro, iwe unogona kubhadhara zvikwereti zvako zvezvechipatara nemamwe mari (mushure-mutero) uye chengetedza raiti. Zvadaro, mwedzi kana makore kana makumi emakore gare gare, unogona kubvisa mari kubva kuHSA yako kuti uzvitsive iwe pachako nokuda kwemari yezvokurapa yawakabhadhara nemutero wemutero wemari (izvi zvichifungidzira kuti iwe hauna kuzviita iyo mishonga yezvechiremba pamutero wako wekubhadhara gore iwe iwe akabhadhara; haukwanisi kudarika kaviri pamitero yako, saka kana iwe ikakonzera kubhadhara, iwe haugoni kuzvidzikinura iwe nemuteresi weHSA usati watora).
Saka vamwe vanhu vanobata HSA yavo sechirwere chekukurumidzira, inotengeswa mumatokari kana kusungirirwa kana nhaurirano inotakura, uye inowedzera kuwedzera musero kubva kune rimwe gore kuenda kune inotevera. Vanobhadhara zvikwereti zvavo zvezvechipatara nemamwe mari, uye chengetedza maitikiti. Zvino kana vachida mari-nekuda kwekurasikirwa nebasa, somuenzaniso-vanogona kubvisa zvakawanda kubva kuHSA sezvavanenge vachishandisa pamitemo yezvechiremba panguva iyo vaine HSA. Uye kubvisa hakubhadharwi mari, sezvo iri kunyanya kushandiswa kubhadhara mari yekurapa, mwedzi yakawanda kana makore mushure mokutaura.
Kurasikirwa Nekuda Kwako Deductible Health Plan? Rega HSA yako Zvipo.
Kana ukarasikirwa nehutano hwehutano hweHIVHP, hauzokwanise kugovera HSA yako kusvikira wadzokororazve HDHP.
Izvi ndezvechokwadi kunyange iwe ukawana utano hwehutano inshumo kubva kune imwe nzira yehutano hwehutano. Kusava neHHHP zvinoreva kuti haubvumirwi kugovera kuHSA yako.
Zvisinei, iwe unogona kurega mutero usingabhadhari, mari isina mhosva kubva kuHSA yako kubhadhara mari yakakodzera yekurapa kana iwe une HDHP, une utachiona hwehutano hwakasiyana, kana husingabatsiri.
Saka kana ukawana HDHP kubva kune waunoshandira mushandi, kana kutenga HDHP iwe pachako ( kuburikidza nekutsinhanisa munharaunda yako kana kusagadzikana), unogona kuramba uchipa michero kuHSA yako. Kana ukashandura kune rumwe rudzi rwehutano inshuwarisi, kana kupedzisira usina uninsured zvachose kwekanguva, haugone kupa chimwe chinhu kune HSA panguva yausina huwandu hweHDHP.
Asi kana iwe ukazoguma uwana huwandu hweHDHP zvakare kusati kwapera gore, uye iwe une hosha yeHDHP musi waDecember 1, unogona kugovera mari yakazara kuHSA yako gore iroro ($ 3 450 muna 2018 kana iwe uine chinyorwa iwe pachako pasi HDHP, kana $ 6 850 kana iwe uchizvipa iwe uye imwe nhengo yemhuri pasi peHDHP). Asi pane mavharoti: Iwe unofanirwa kuchengetedza nzvimbo yako yeHDHP munzvimbo yose yegore rinotevera (izvi zvinonzi nguva yekuedza) kana kuti iwe unofanira kubhadhara mitero uye chirango pane zvimwe zvezvipo zveHSA zvawakaita mugore apo iwe usina kuva neH HDHP gore rose.
Kubvisa? Mitemo yakakosha Iva neAkaunti Yenyu Yokuchengetedza Utano.
Kana ukasvitsa makore 65, unogona kubvisa mari kubva kune yako HSA chero zvikonzero pasina kutarisana nechikwereti che20% chekuregererwa kwekurapa. Zvisinei, mari chete yaunotora nokuda kwezvikwereti zvekurapa inenge yakakodzera ichave isina mutero. Iwe uchabhadhara mitero yemari yaunowana pamari yaunotora nokuda kwechikonzero chekurapa.
Mishonga yemarayirwo inonzi Medicare inofungidzirwa kuti inoshandiswa mune zvekurapa, asi Medicare kuwedzera mitemo yakadai seMedigap haisi. Iwe uchabhadhara mitero yemari paHSA zvikwereti zvinoshandiswa pamayero emidhora yeMedigap, asi HSA zvitsauridzo zvaunoshandisa pamishonga yemarayirwo aMedare ichave isina usero.
Iwe haungakwanisi kupa zvipo kuHSA yako kana wabhabhatidzwa muMedare.
Unoda Kuchinja HSA Custodians?
Iwe haufaniri kuchengetedza HSA yako nemudzidzi mumwe chete; iwe unogona kutora HSA yako kubva kune imwechete kuchengetedza kune imwe. Unogona kufunga kuita izvi kana
- Iwe hauna kufara nemari yako ikozvino yeHSA kuchengetedza mhosva.
- Iwe hauna kugutsikana nezvisarudzo zvekutsvaga yako ikozvino HSA kuchengetedza inobvumira.
- Muchengetedzi wako wekutsvaga anowanika paIndaneti-chete HSA hutungamiri uye iwe unosarudza kutarisana nemunhu wese mubasa rekutengesa kwevanhu nekufamba mubazi rebheni rekuno.
Kuchinja kubva kune imwe HSA kuchengetedza kune imwe kunogona kuitwa nekutsinhanisa zvakananga kwezvinhu pakati pekuchengetedza. Mune mamwe mazwi, wako wekare HSA mubatsiri anotumira mari yacho zvakananga kune yako itsva HSA kuchengetedza. Kutevera mitemo muRS Publication 969, "Usaisawo mari iyo inoshandiswa semari inowanikwa, inoritora semupiro, kana kuisanganisira sekugoverwa paFomu 8889."
Vamwe vanochengetedza mari vanobhadhara mari yekutsinhanisa zvinhu kana kuvhura nhoroondo, saka iva nechokwadi chokuti unobvunza.
> Sources:
> Internal Revenue Service. Health Savings Account (HSA) paChishanu.