Kufanirwa mari ndeyezvipfeko izvo IRS inoti iwe unogona kubhadhara kushandisa shanduko yekushandisa mari (FSA) kana kuti Health Savings Account (HSA). Nhamba yezvikwereti zvinoshandiswa zvinowanzobatwa nezvehutano uye zvehutano zvakabhadhara mari, kunyange kune zvimwe zvingadai zvakadai sekuchengetwa kwezuva zuva rinogona kushandiswa neFSA, zvakare. (Havana kutarisirwa pano.)
Kana iwe waunoshandira akakubvumira kuti uwedzere mari yakawanda mubhuku rekushandisa mari , rinogona kukuchengetedza mari yakawanda pamitero yako yekutora chero bedzi iwe uine kunzwisisa zvakajeka izvo IRS inofanirwa kuva "kukodzera mari."
Kana ukashandisa Aunti yeAalth Savings pamwe chete ne -high-deductible yehutano inshuwarano chirongwa , unogona kuchengetedza mari nekushandisa mari yako HSA pane izvi zvinokodzera mari nokuti HSA yako mari ichachengetwa usati wabhadhara mitero pairi.
Tarisa kutarisa mazita echikwata cheFSA chekubhadhara mari kubva kuRRS, asi ona kuti ndiyo kushandurwa kwezveruzhinji, uye chii chinoshaikwa kubva pane zvakarongwa, izvo zvingakubatsira zvikuru kukurisa kushandiswa kwako kwemari yawakaisa, nekudaro kuchengetedza iwe pachako iwe mari yemutero.
Pasi pane mimwe mienzaniso yemari yaunenge usingazivi kuti inokodzera kurapwa mune zvoutano.
Zvinodhaka
Chero zvaunenge watora kunze kwechikwata pamishonga yemishonga (kwete kubhadharwa ne inshuwarisi yako) iwe ungashandisa semari yakakodzera yeHSA kana FSA.
Asi chenjerera: kutanga mugore regore ra2011, pamusoro pe-zvinodhaka zvinodhaka hazvisakodzeri kubhadharwa neFSAs kana HSAs. Iwe unoda kudzidza pamusoro (uye nzira yekushanda kwakapoteredza) zvisina kukodzera kurapwa kwezvokurapa .
Kana iwe uri kuuya kumagumo egore uye uwedzere mari yeFSA yekushandisa, bvunza chiremba wako kuti anyore mitsara yako yegore rinotevera chero mishonga ipi zvayo yaunotora nguva dzose, kusanganisira mapiritsi ekuberekwa kwepabonde, mushonga weropa, kunyange mararamiro zvinodhaka seViagra.
Zvechokwadi, kana iwe uchibhadhara kutenga iyo mishonga mugore rimwe chete, usabatanidza ivo mumari yako yekufungidzira mugore rakatevera.
Kusiya Miitiro Yako Yakaipa
Kana iwe ukashanda nachiremba wako kuti urege kusvuta, kana kurega kunwa, kana kuti uremerwe (ona pasi apa), ipapo iyo mari inogona kukodzera kubhadharwa kuburikidza neFSA yako kana HSA.
Kana iwe uri kuuya kumagumo egore rako reFSA, ingangodaro nguva yakanaka yekutaura nachiremba wako pamusoro pekurega kusvuta, kurasikirwa, kana kana zvichidiwa, kuzviongorora iwe pamba rekugara. Ingova nechokwadi chekunyora kuongororwa kunodiwa mukati megore raunoda kuisa iyo mari kune FSA yako.
Kurasikirwa kwehupfumi hweMuongorori weMutano
Kana uine hosha yepamusoro, chirwere chemoyo kana kuti unorwara uine obese, zvimwe zvekunze kwehomwe mari yekuderedza uremu zvinogona kubhadharwa.
Semuenzaniso, kana iwe uchinge wapinda purogiramu yekurasikirwa kwemajeri (Weight Watchers, Jenny Craig, vamwe), kana kana ukashanda nemudzidzisi kurasikirwa nekuremerwa pasi pechirwere chechiremba wako, uye iwe unobhadhara iyo mabasa kunze kweinishuwarenzi yako, zvino vanogona kukodzera.
Iwe uchada kubvisa kubva kune avo vanogona kutengesa mari yekudya, kana mari ipi zvayo inongomiririra chimwe chinhu chaunogona kunge waida kare kusati kwaita kurasikirwa basa.
IRS inonyatsojeka pamusoro pezvingave, kana kuti zvisingaiti, kuva inorema-kurasikirwa kwakabatana zvakakodzera mari yekurapa. Nzira yako yakanakisisa ndeyokushanda nemutevedzeri weHSA yako kana FSA kuti uone kuti chii, kana hachikwanisi, chibhadzwe.
Kudzivirira kana Kuongorora Maedzo
Iko Inogadziriswa Care Act (hutano hwezvehutano hwehutano) hunotipa isu miedzo yakawanda yekudzivirira pasina chekuita-chedu chekodhi kwatiri. Vatengi vanotarisirwa kubhadhara mari yose.
Zvisinei, panogona kunge kune zvimwe zvinodzivirira kana kuongororwa maitiro asina kunyorwa pane izvo zvingave zvaunoda nekuda kwemamiriro akambovapo kana nhoroondo yemhuri. Co-aripa kana kuti mari yose yekutarisa muviri kana colonoscopies kana vamwe ichadzorerwa kuburikidza neFSA yako kana HSA.
Kana uri kuswedera pedyo nekunopera kwegore, uye uve neFSA yakawanda yekushandisa mari, bvunza chiremba wako izvo zviedzo iwe unogona kupinda mugore razvino kuitira kuti zvikwanise kubhadhara kushandisa FSA yako-kurega mari.
Kuvandudza Kwemusha
Uyu unowanzoshamiswa. Kana iwe uchigadzirisa pamba pako kuti ugadzirire chinetso chezvehutano chaunacho, saka iyo mari inonzi inofanirwa mari.
Motokari, mazariro ekutsigira, kugadziridza masuo, magonhi kana masitepisi, kuvaka chivako chinopinda kana zvimwe zvinoshandiswa - chero bedzi zvaidiwa kuitwa kuti uwedzere kupindira kwako kune zvikamu zveimba yako nekuda kwematambudziko epanyama / uropi, unogona kubhadharwa neFSA kana HSA.
IRS inopa mazano, uye pepa rekushandisa kuti ikubatsire kuziva kana imba yako yekuvandudza mari inokodzera.
Mabhatri
Kana uchida mabhetiri nokuda kwekubatsira kwako kunzwa, mita yako yeglucose , kana chimwe chechimwe chezvinhu zvinotsigira hutano hwako kana hutano hwezvehutano, iwe unogona kubhadharwa kwavari kuburikidza neHSA yako kana FSA.
Chengetedza mabhizimisi, nyora pamusoro pezvinhu izvo mabhatiri anoshandiswa kuti uve nechokwadi chokuti iwe unozvisiyanisa kubva pane imwe ibheteri kutenga iyo isingakodzeri.
Kana iri kuguma kwegore uye iwe unofanirwa kushandisa FSA mari, tenga mabheti anowedzera kune izvo zviya zvehutano kana zvemishonga.
Lodging
Kana iwe uchifanira kupedza usiku huno kubva kumba kune chero chinangwa chechiremba (somuenzaniso, kana iwe uchitsvaga kurapwa kuchipatara chisati chave pedo neimba yako, kana iwe unoshuva kutarisana nemumwe muongorori nyanzvi), chikamu chemari yekutora kwako yekugara kweguta kunogona kufungidzirwa kuti inoshandiswa mune zvekurapa.
Zvakare, chenjerera. IRS inonyatsotaura nezvemitemo inofanira kuteverwa.
Medical Conferences
Sezvo uri murwere anopa simba kana mutarisiri, iwe unogona kuva nehanya nekubatana nevamwe vanobata nezvinetso zvehutano izvo chete zvaunoita, kudzidza kubva kwavari, kuwana zvitsvakurudzo zvitsvakurudzo zvekare uye nezvimwe.
Funga kuenda kumusangano unotarisana neutano hwako. I IRS ichakubvumira kushandisa HSA neFSA mari kuti ubhadharire kugamuchirwa kwemisangano, kunyange zvisingakubvumiri kushandisa mari iyo yekutakura kwako, pokugara kana kudya.
Kuberekwa Test Test Kits, Zvirwere Zvokurapa uye Sterilization
Pasinei nokuti iwe unofunga kuti uri nepamuviri, kana kuti une dambudziko kubata mwana, kana kuti unoda kuva nechokwadi chokuti haugone kutora pamuviri, kana kuti kuisa mumwe munhu mukana, mari yaunotarisana nemamiriro ako ezvinhu sezvaanoreva kuberekwa ichaonekwa seyakakodzera kurapa mari .
Chiyeuchidzo chokuti iwe chaiwo uri muhomwe, mari yekubhadharwa haisi kuzove mari yezviitiko izvi kana zvibereko; asi ivo vachava chinhu chisingafukidzwi nehutano inshuwarhu yako.
Kana iri kuswedera pedyo nekunopera kwegore, une FSA madhora kuti ushandise, uye unoronga kutora mimba mukati memwedzi mishomanana inotevera, funga kutenga kemikati mishoma yekuedza pamuviri kushandisa imwe mari iyoyo. Asi usaronga kure kure mberi. Iko maikiriti ekuedza anogona kupera, uye kana achidaro, angave asina kunyatso.
Kutakura kana Kufamba
Kufambisa kana kutakura kune chero chikonzero chekurapa ndechimwe chikwata chinodiwa, kusanganisira matikiti, gesi, mafuta kuchinja uye zvimwe kugadziriswa, mari yekupaka nemari.
Iva nesimba pamusoro pokuchengetedza chikwata chemairegi uye mapeti ako kuti udzorere chero zvipi zvadzo zvekubhadhara zvaunotarisira kuzadzikisa.
Lasik kana Zvimwe Zviratidzo Kururamiswa
Kana zviratidzo zvako zvichida kugadzirisa, kana iwe ukapfeka magirasi emagetsi, magirasi, kana kusarudza Lasik kana mamwe mavhivhi eziso, kurapa kwako kunatsiridza kururamiswa kunoonekwa sechirwere chekurapa chakakodzera chero bedzi chisati chabhadharwa kuburikidza neshuwarisi yako kana wako.
Kana iwe uri kuuya pedyo nekuguma kwegore remutero, funga kutenga zvigadzirwa zvepamusoro zve-lens, kana mamwe magirazi, kana uchida kushandisa mari.
Wigs
Kana iwe ukapfeka wig kuti uvhare kurashikirwa kwebvudzi kwakaguma kubva pakucherechedza, kana wakarasikirwa nevhudzi rako panguva ye chemo, kana kuti musoro wako waveurwa ndeyekuvhiyiwa, mutengo we wig ichava mari yekurapa inokodzera chero bedzi chiremba wako inopa zano.
Kuti uone kuti iwe unoda wig, bvunza chiremba wako kuti akukunyorere tsamba kana kuisa mazano kune zvinyorwa zvechiremba wake. Nyora imwe kopi yemagwaro kana manotsi pamwe chete nekudzorera kwako kwekubhadhara, asi iva nechokwadi chokuti uchengetedze imwe kopi nemabhuku ako.