6 Nzira dzamunogona Kubhadhara
Inishuwarenzi yehutano inogadziriswa yakaramba ichiwedzera kwemakore. Muna 2016, vanopfuura 51 muzana yevashandi nevashandisi-vanorarama nehutano inshuwarheni vakanga vakagadzirirwa mumwechete we $ 1 000. Uye pakati pevashandi vane chinyorwa chinosanganisira deductible, munhu wega wega deductible aiva anenge $ 1,500.
Pakati pevanhu vanotenga inshuwarano yavo yehutano mumusika mumwe nomumwe, zvigadziriswa zvakanyanya.
eHealthinsurance, inowanikwa muInternet, yakashuma kuti kwegore ra2012 rakasarudzwa nevatengi vakashandisaHealthinsurance uye havana kukwanisa kubhadhara mari ipi zvayo yeAACA , iyo yavharidzirwa yakagadzirwa yaiva $ 4,358 kuvanhu uye $ 7 983 pamhuri.
Zvakakosha kucherechedza kuti vanhu vasingagamuchiri rubatsiro rwepa premium vanogona kutenga zvirongwa zvisingabhadhari zvendarira, izvo zvinodhura zvakanyanya. Uye iyo ACA inobhadharwa-kugovera rubatsiro -iyo inoshanda kune 57 muzana yechitsinhanji inonyora muna 2017-inopa zvakaderera zvakaderedzwa kune vanhu vanofanirwa kubva pamari yavo (kugovana-kubhadhara mari inowanikwa chete pamaronga esirivha; inenge $ 30,000 muna 2018 uye iwe unotenga iwe pachako kugoverwa, iwe unogona kukodzera zvirongwa zvesirivha nekunyorera zvishoma, saka nyatsofungisisa zvirongwa zvesirivha panguva yekunyora kusununguka, uye iva nechokwadi chokuti iwe unotenga chirongwa pakutsinhanisa, kunze kwekusiya kushandiswa ).
Asi hapana mubvunzo kuti vanhu vanotenga inshuwarano yavo yehutano kazhinji vanowanikwa pasi pezvakanakira kubviswa.
Iwe hausi woga kana iwe usingakwanise kutenga hutano hwako inshuwarheni deductible . Hazvina mhosva kuti iwe wakabhadharwa zvakadini, kana iwe usina mari yakawanda yekuchengetedza uye uri kurarama mubhadharo kuti ubhadhara, inogona kunzwa sokuti iwe unotora zvakanyanya.
Kana iwe usingakwanisi kutenga mari yako yakasunungurwa, zvasarudzo zvako zvekutarisana nayo zvinoenderana nokuti iwe une chikwereti chako ikozvino, kana kuti uri kugadzirira mberi. Kana uri kutarisa kune ramangwana uye uchiziva iwe uchafanira kuuya nechinhu ichi chekushanduka pakupedzisira, tarisa " Deductible Too High? Nzira Yokubhadharisa Utano Woutano Deductible . "Uye kana ukanyoresa chirongwa chehutano hweHSA-inokwanisa, edza kuita kuti chive chinhu chinokosha pakugadzira HSA uye kugovera nayo nguva dzose , kuitira kuti mari igarepo kana iwe kuguma uchida kusangana nekutora kwako.
Kana iwe uchifanira kubhadhara yako ikozvino yakagadzirirwa ikozvino asi iwe usina mari, dambudziko rako rakaoma. Kana iwe usingauyi nenzira yekubhadhara, kutarisira kwako kunogona kunonoka kana iwe ungasazokwanisa kuwana rubatsiro rwaunoda. Heano zvimwe zvingasarudzwa.
Kurukura Purogiramu Yokubhadhara
Kunyange zvazvo chiremba wako asingakwanisi kusunungura kana kuderedza zvawakabvisa nokuti izvo zvinopesana nemitemo yehutano hwako hwehutano , iye angave achida kukubvumira kuti ubhadhara mari yakabhadhara iwe unotora nguva. Iva akatendeseka uye utsanangure mamiriro ako mberi pamberi kune chiremba wako kana dhipatimendi rekubhadhara kuchipatara. Tsanangura kuti iwe hausi kuedza kubhadhara kubhadhara asi iwe unoda ropafadzo yekuisa chirongwa chokubhadhara.
Kunyange zvazvo chinangwa chekukumbira zvikwereti panzvimbo pokugadzira chirongwa chekubhadhara, " Kukurukurirana Neunopa Wako " inopa mazano ekuti iwe uite hurukuro yakaita seizvi nachiremba wako.
The Caveats:
- Iwe unogona kutora chikwereti chako kubva kune anopfuura mumwe mutarisiri wehutano. Somuenzaniso, kana iwe ukaona chiremba uye iye achirayira kuongororwa kweropa, iwe unokwereta chikamu chako chaunotsvaga kuchiremba wako uye chikamu chacho kuenda kuongororo yeropa. Izvi zvinoreva kutaurirana zvirongwa zviviri zvekubhadhara, kwete imwe.
- Kana iwe usingakwanisi kuchengetedza zvikwereti pane chirongwa chako chekubhadhara, iwe uchakuvadza zvakanyanya ukama hwako nachiremba wako, uye iwe ungasawana imwe mukana wekugadzirira chirongwa chekubhadhara chezvikwereti zvemangwana remangwana.
Ongorora Pasi Pasi Health Health Care Options
Pane kazhinji kanopfuura imwe nzira yekurapa dambudziko rehutano hwehutano. Uri kushandisa nzira shoma yekurapa inoshandiswa ichakubatira iwe here?
Kunyange zvazvo kushandura kune unodhura kushandiswa kurapa hakuzoiti kuti iwe unodhakwa zvishoma, iyo inobviswa ichauya nekuda kwenguva yakareba uye mumaduku maduku. Somuenzaniso, kana iwe uine $ 3,000 uchibviswa uye uri kuwana kurapwa kunodhura $ 700 pamwedzi, kuchinja kurapwa kunodhura madhora mazana mana pamwedzi kuchaderedza mari yako yemwedzi . Iwe uchiri kupedzisa kubhadhara mari yose ye $ 3,000 inotengwa pamberi pehutano hwehutano hwako hutanga kuripa. Asi, nechinotengeswa kurapa, iwe uchaparadzira icho chinotapudzwa pamwedzi misere pane mwedzi mitanhatu, zvichiita kuti zvive nyore kuchengetedza.
Iwe unogona kuwana kutarisirwa kune kliniki yakasununguka kana nzvimbo yehutano yemunharaunda ichakuchengetera iwe zvisinei nokuti iwe unokwanisa kubhadhara here? Dzimwe dzezvi nzvimbo idzi dzichakutarisira pasina, dzichakubhadhara zvichienderana nemari yako, kana kuti dzichagamuchira izvo inshuwarisi yako yehutano inopa iwe sebhadharo yakakwana. Tarisa kuti uone kana pane nharaunda yehutano inharaunda pedyo newe.
Tora Kuparidzirwa Kwepakutanga Kubva Pakubata Kwako
Nokusarudza kutora mari kubva pakubhadhara kwako kubhadhara utano hwako hwehutano insuc deductible, uri kukwereta kubva mune ramangwana rako kuti ubhadharire ikozvino. Iyi haisi chirongwa chakanaka kwenguva refu. Asi, kana uri kutarisana nemamiriro ezvinhu apo iwe ungasave neramangwana kana iwe usingakwanisi kubhadhara utano hwako hwehutano deductible, iwe unogona kufunga izvi sarudzo.
Kana iwe ukatora kugoverwa kubva kune tsika yako yeARA usati wava nemakore 59 1/2, iwe uchabhadhara mitero yemari pamari iyo uyewo mutero wemhosva. Zvisinei, pane dzimwe nguva, chirango chinogona kuregererwa kana mari yacho yachishandiswa nokuda kwekushandisa mari yepamusoro uye kana kurapwa kwako kwepabonde kwaive kunopfuura 10 muzana yemari yako. Dzidza mitemo yeRS pamusoro pekushandisa kushandiswa kwokutanga kubva kuIRA yako yezvokurapa mari.
Zvisarudzo zviviri zvinogona kukubatsira kuti urege kuparadzirwa kwokutanga chirango:
- Iwe unogona kukwanisa kubhadhara mari yawakapa kune Roth IRA pasina chirango. Izvi hazvirevi kune mari yekuwana uye kuwanikwa kwekutsvaga kwekutsvaga muRoth IRA, asi chete kune mari yawakapa. Dzidza zvakawanda mu "Apo ROTH IRA Kubhadhara Mitero-Vasina Mutero Uye Kana Vasipo."
- Zvimwe zvirongwa zve 401K zvinokubvumira kutora chikwereti kusvika ku $ 50,000 kana hafu yemari mu 401K yako, chero ipi zvayo iri duku. Kazhinji, chikwereti ichocho chinobhadhara zvakare kwemakore mashanu nemari inobva yabviswa kubva pamari yako. Iwe uchabhadhara chikwereti kune chikwereti, asi iwe uri kuripa chido ichocho iwe-chido chinopinda mu 401K yako. Kana iwe ukarasikirwa nebasa rako risati rapiwa chikwereti, iwe unofanirwa kuuya nemari yakasara kana inofungidzirwa kushandiswa kwokutanga uye iwe uchabhadhara zvose mutero wemari uye chirango pairi. Dzidza zvakawanda mu "Zvinhu Zvipfumbamwe Zvokuziva Nezvekubhadhara Kubva Kwenyu 401 (k)."
Kutengesa Zvako
Hapana anoda kutengesa zvinhu zvavo kuti abhadhara chimwe chinhu sechinhu chisingaoneki se inshuwarisi yehutano inobviswa; asi, nguva dzakaoma dzinodana zviyero zvakashata. Kana iwe usingakwanisi kukuwana iwe wakatevera wechem chemotherapy nokuti iwe haugoni kubhadhara utano hwako hwehutano deductible, saka inguva yekufunga nezvekusimudza mari.
Tanga nekufunga kutengesa zvinhu zvinokosha kunze kwezvinhu zvisina kufanira zvakadai sezvishongo zvako, bhasikoro, surfboard, iPod, kana motokari. Enda kukutengesa zvimwe zvinhu zvinokosha zvakadai semotokari yako kana rin'i yemuchato chete kana iwe uri kunyatsoda. Iwe unogona kunge uine mutengo uri nani wezvinhu kana iwe uchizvitengesa iwe pachavo pachikuva sa Craigslist kana eBay pane kuti iwe uvatore kune hopu yepawn padivha kana rekuchengetedza chikwata, asi kuvengesa iwe pachako kunotora simba rakawanda.
Charge It
Kushandisa kadhi rechikwereti, chikwereti chako, kana imba yekuenzanisa chikwereti chekwereti kubhadhara utano hwehutano insuc deductible inokurudzira. Iko kunofanidza kutora nguva yako yemberi uye kuwedzera mukati mechikwereti kuti uwane zvinoshandiswa. Kana iwe usingakwanisi kubhadhara yako yakabviswa ikozvino, iwe uchabhadhara sei gore rakatevera deductible apo iwe uri kubhadhara chikwereti chako kubva mugore rino rachibviswa?
Kune rumwe rutivi, kana uchida kurapwa kuti uchengetedze hupenyu hwako, kudzivirira urema hwusingaperi, kana kuti uchengetedze uine hutano hwakakwana kuti uchengete basa rako, uchishandisa chikwereti ishoma yezvakaipa.
Chikwereti hachifaniri kureva kadhi rechikwereti. Zvinogonawo kureva kukwereta kubva kuhutano mumba mako, shamwari kana nhengo yemhuri, kana kutora chikwereti chako kubva kubhangi kana chikwereti chebato.
Fambira Kushanda Kwemabasa Matambudziko Ehupfumi Kushamwaridzana
Vazhinji vashandi vakuru vane mushandi-rubatsiro rwepurogiramu yokubatsira. Inobhadharwa nezvipo zviduku zvakagadzirwa nevashandi vari voga, zvipo izvi zvinodzingwa kubva pamari yevari kupa muiri yakaenzana pamusoro pegore.
Vashandi vanotarisana nedambudziko rimwe chete rezvemari rinogona kushanda kune rudo rwekubatsira mari. Izvi zvisingabatsiri kuti iwe uve mupiro kuitira kuti uwane rubatsiro, asi unotonga pamusoro pehupi rubatsiro rwezvemari huchapiwa, uyo anokodzera, uye kuti mari yakabviswa sei inobva pane chirongwa kusvika purogiramu. Vhu vanhu venyu kana kuti vashandi vanobatsirwa nehurumende inogona kunge yakanakisisa yekupa ruzivo.
> Kwakabva:
> Centers for Medicare neMedicaid Services. 2017 Kunyorwa kwakanyatsoitwa Snapshot . June 12, 2017.
> eHealthinsurance.com. Health Insurance Insurance Index Report, 2016 Chirongwa chekuNyoresa Nguva . October 2016.
> Internal Revenue Service, 401 (k) Nhungamiro Yezvigadziriswe - Gadziriro Inobatanidzwa - Gwaro Rekupararira Kwazvo.
> Kaiser Family Foundation. 2016 Employer Health Benefits Survey; Chidimbu cheZvakawanikwa . Svondo 14, 2016.