Utano Hwakanaka Kutarisa vs Flexible Kutenga Maakaunti
Health Maintenance Accounts uye Flexible Kudhura Mazano anobatsira iwe kuderedza mitero yako yaunowana paunenge uchichengetedza mari yaunoshandisa pakurapa mari. Zvisinei, kufanana kunomira ipapo. Chii chaunofanira kuziva nezvekusiyana pakati peHSA neFSA kuitira kuti iwe usarudze sarudzo iyo yakakunakira iwe? Ndezvipi zvakakosha uye kukanganisa kwezvirongwa izvi?
Kusiyana pakati peHSA neFSA
Kune zvakawanda zvakasiyana pakati peHSA neFSA, uye pasina kutarisa izvi zvakanyanya unogona kunzwa uchinetseka. Ngatitarise zvimwe zvekusiyana kukuru.
HSAs & FSAs Kusiyana paani Anopa Aunti
Paunotanga Flexible Spending Account (FSA), iwe hausi iwe chaiyo wekodha; mushandi wako anoita. Iwe haugone kuitora iwe. Mune zvimwe zviitiko, iwe unotorera mari mairi-mari yawakapa kubva pamari yako-kumushandi wako. Izvi zvinogona kuitika kana iwe uchisiya basa rako uchizvidira kana unorega kuenda.
Paunenge uzarura Health Savings Account (HSA), iwe unayo iyo compte uye mari yose mairi. Iwe unotora iwe iwe paunenge uchifamba, shandura mabasa, uye kunyange kana iwe uchirasikirwa nehutano inshuwarisi yako.
Kutenga Vs Kuponesa
Kusanzwisiswa Kwekushandisa Mazano Akagadzirirwa kukukurudzira kushandisa mari yakawanda kana mari yose mairi. Health Savings Accounts, kune rumwe rutivi, yakarongedzwa kukukurudzira kuti uchengetedze .
Iwe haugoni kuisa mari iyo yakagadzirirwa muFSA, saka hauzove uchiwana chikwere pairi. Kunyanya kuipa, iwe unorasikirwa nemari isina mari kune waunoshandira pamagumo egore; inoshandisa iyo kana kurasikirwa naro. Vashandi vanobvumirwa kupfuurira kusvika kumadhora mazana mashanu emari yenyu isina mari muFSA yenyu yegore rinouya, asi havakwanisi kuita kudaro.
Chimwe chinhu chinopfuura $ 500 chakasara chisingazivikanwi munhoroondo yako pamagumo egore chinopera muhomwe yevashandi vako.
Kune rumwe rutivi, unogona kuenda makore akawanda sezvaunoda usingashandisi dime yemari muHSA yako, uye, kusiyana neFSA, mari ichave iripo. Washandi wako haagoni kuibata. Hapana mugumo-we-gore-gore rekupedzisira rokurishandisa kana kurasikirwa naro.
Panzvimbo pokungogara muakaunti yako usingaiti chinhu, unogona kuisa mari iyi muHSA yako. Kufarira uye mari inowedzera kukura mitero. Iwe haubhadhara mitero pamari kana mupiro apo iwe unozvibvisa kana iwe uchizvishandisa kuti uwane mari yekurapa yakakodzera.
Zvinogadziriswa Zvinoda Kusiyaniswa Kusiyana Pakati peFSA & HSA
Kuti uite chikamu muFSA, unofanira kuva nebasa nemushandi anopa FSA. Uyo anoshandira anosarudza mitemo yekukodzera. Nhoroondo yacho ine chokuita nebasa rako.
Kuti uite chikamu muHSA, unofanirwa kunge uine High Deductible Health Plan kana HDHP yakakodzera. Kana uri paMedare , iwe hauna kukodzera kutanga HSA. Kana iwe uine hutano hwehutano hwehutano inshuwarheni, kana kuwedzera kune yako HDHP kana kuti pane HDHP, hauna kukodzera. Kana mumwe munhu akakwanisa kukuti iwe wakavimbika pamutero wavo wekubhadhara, iwe hauna kukodzera, kunyange kana vasingakuiti iwe.
Kana uine FSA, hauna kukodzera kutanga HSA kunze kwekuti FSA yako isingakoshi Purpose Flexible Spending Account. Aya maFSA anokosha anogona kungoshandiswa kubhadhara maonero uye mazino emari. Kana iwe uine FSA uye iwe unoda kutanga HSA, iwe une zvingasarudzwa zviviri: chengetedza nevashandirwi vako kuti uone kana FSA yako isina Chinangwa FSA FSA, kana kumirira kusvikira gore rinotevera uye kubvisa FSA.
IHSA yakagadzirirwa kukubatsira kuti utsungirire mahedheni akakwidziridzwa akabatanidzwa nehutano hwehutano hwehutano hweHHHP. Kunyange zvazvo kutanga kweHSA yako kunogona kubatanidzwa nebasa rako, iyo nhoroondo haina kubatana nebasa rako; yakabatanidzwa nehutano hwehutano hweHHHP.
Ichokwadi, haufaniri kunyange kuva nebasa kutanga HSA.
Chii Chinoitika Kumhinduro Yako Paunoshora Basa Rako Kusiyana
Kana ukarashikirwa nebasa rako, iwe unowanzorasikirwa neFSA yako nemari iri mairi. Iwe haugoni kushandisa kunyange FSA yako mari yekubhadhara makokima emishonga emishuwarenzi yehutano yeCOBRA .
Kusiyana neizvi, kana iwe ukarasa basa rako, unochengeta HSA yako nemari yose iri mairi. Kana ukarashikirwa nehutano hwehutano hweHHHP pamwe chete nebasa rako, haungabvumirwi kupa mamwe mari kune HSA yako kusvikira uwana imwe chirongwa chehutano hweH HDHP. Zvisinei, iwe unogona kunge uchitora mari yekushandisa mari yakakodzera yekurapa, kunyange kana iwe usinazve HDHP. Zvechokwadi, unogona kushandisa kunyange HSA yako mari yekubhadhara miriyamisi yako yemainishuwarensi yehutano yehutano kana kubhadhara mari yemishandiro yemishonga yemishuwarenzi yehutano kana uri kugamuchira hurumende inoshaiwa mabasa.
Ndiani Anogona Kupa kune FSA vs HSA
NeFSA, iwe chete kana kuti wako waunoshandira angapa, uye vashandi vazhinji vanosarudza kusaita. Mipiro yeFSA inowanzoitwa nemabhadharo ekubhadhara mubhadharo, uye iwe unofanirwa kuzvipira kuva nemari yakatorwa kubva kune imwe mubhadharo kwegore rese. Kana uchinge waita kuzvipira kwezvemari, haubvumirwi kuchinja kusvikira nguva yekuzorora yakasununguka.
NeHSA, hauna kuvharirwa mugore rose remipiro. Iwe unogona kuchinja mupiro wako chiyero kana ukasarudza. Chero ani zvake anokwanisa kugovera kuHSA yako: wako waunoshandira, iwe, vabereki vako, wako wawakaroorana naye, chero ani zvake. Zvisinei, mipiro inobva kumativi ese akabatanidzwa haagoni kuva akawanda kudarika gore rose rakagadzirirwa rakagadzirirwa ne IRS.
Unogona Kupa Zvakawanda kune HSA Kupfuura FSA
I IRS inotarisa kugadzirisa mari yakawanda-isina mari yaunogona kukwikwidza muHSAs neFSAs. Kune FSA, unobvumirwa kugovera kusvika ku $ 2 650 muna 2018. Zvisinei, iwe waunoshandira anogona kuisa zvipingamupinyi zvakasimba pamigiro yako yeFSA kana ichisarudza.
Iwe unogona kuita sei kuti HSA ichinje gore roga roga uye zvinoenderana nokuti une mhuri yeHDHP kana kuti imwe chete-HDHP.
| 2017 | 2018 | |
|---|---|---|
| Kuzvidzivirira kwega kwega kune makore makumi matanhatu nemashanu | $ 3,400 | $ 3,450 |
| Kuvhara mhuri kwemakore makumi matanhatu nemashanu | $ 6 750 | $ 6,900 |
| Kuzvidzivirira-chete kunopera makore 55+ | $ 4 400 | $ 4 450 |
| Mhuri inopera makore 55+ | $ 7 750 | $ 7,900 |
Ndiani Anokonzerwa neHSA vs FSA Kubhadhara
Kubva sezvo waunoshandisa iwe pachako ane chikwata chako cheFSA, mitoro yekutarisira yeiyi yekodha inowira kune waunoshandira. Semuenzaniso, ibasa rako rebasa rokutora mari yakasunungurwa kubva kuFSA yako inongoshandiswa chete pane zvakakodzera mari yekurapa.
NeHSA, buck rinomira newe. Iwe unotarisirwa kubhadharwa kweHSA mari uye kubvisa. Iwe unofanira kuchengetedza zvinyorwa zvakakwana kuti uratidze IRS yawakapedza chero upi zvaunofambisa pane zvekubhadhara mari yepamutemo, kana iwe unofanirwa kubhadhara mitero yemari pamwe nehana ye20 muzana pane chero mari yekuregererwa. Gore ripi neripi iwe unoita mari kana kutora kubviswa kubva kune HSA yako, uchada kuisa Fomu 8889 nemutero wako wekubhadhara mari.
HSA Vs FSA-Imwechete Inogona Kushandiswa seEmergency Fund
Sezvo iwe uine HSA yako, iwe ndiwe unosarudza kuti ndeipi nguva yokutora mari yacho uye kuti ungashandisei. Kana ukasarudza kuutora kune chimwe chinhu chisingakodzeri kutenga mari yepamutemo, iwe uchabhadhara yakaoma 20% pamhosva pairi. Uyezve, kusasiya kwekurapa kuchawedzerwa pamari yako gore iroro, saka iwe uchabhadhara mitero yakakwirira yemari, zvakare.
Kunyange zvazvo zvingave zvisiri kukurudzirwa, uye zvingasava kushandiswa kwemashandi emari iri muHSA yako, zvinogona kunyaradza kuziva kuti iwe une murwi wemari unogona kupinda mune imwe nguva kana iwe uchifanira. Zvisinei, unofanira kunge uchida kubhadhara zvikwereti.
NeFSA, haungabvumirwi kubvisa mari kune chero chinhu chipi zvacho kunze kwechikwereti chakakodzera chemari. Kana imba yako ichipisa uye iwe nevana vako vari kutarisana nekurarama mumugwagwa ... rakaoma nhamo. Iwe haugoni kushandisa FSA yako mari yekugara, zvisinei kuti iwe unotambudzika zvakadini.
HSA Vs FSA-Mumwe chete Anogona Kushandiswa Kubatsira Purogiramu Yokurasikirwa
Kunyange zvazvo FSAs isingafungi sevhesi dzekubvisa mari, HSAs iri kuwedzera kushandiswa seimwe nzira yekuchengetedza kubhadhara. Sezvo FSA inogona kushandiswa pamakero ekurapa akakodzera kana kurasikirwa pamagumo ekupera kwegore, haigone kukubatsira kuronga kubhadhara (kunze kwemari ipi yaunogona kuichengeta uye zvimwe kuisa mari iyo isingashandisi mutero kune zvikonzero zvekukodzerwa zvakakodzera).
FSA vs HSA-Mumwe chete Anokubvumira Kubvisa Mari Yausina Kudzokorora Asi
NeHSA, iwe unogona kungotora mari iyo inowanikwa munhoroondo. Zvisinei, neFSA, unobvumirwa kubvisa mupiro wako wegore rose pakarepo pawakaita mupiro wekutanga wegore.
Somuenzaniso, ngatiti iwe wakazvipira kuva ne $ 1,200 pagore, iyo $ 100 pamwedzi, mubhadharo wakabviswa ndokuiswa muFSA yako. Kana iwe uchirwara uye uchibhadhara yako $ 1,500 yemishonga yehutano yemutengo deductible munaFebruary, iwe unongova ne $ 100- $ 200 muFSA yako. Hapana dambudziko, unogona kubvisa mupiro wako wegore rose we $ 1,200, kunyange zvazvo iwe usina kuchipa icho.
Iwe uchava neFSA isina kunaka, asi zvipo zvako zvichaenderera mberi nemari imwe neimwe. Pakupera kwegore, FSA yako yekuenzanisa ichava zero. Ko kana iwe ukasiya basa rako musati rapera gore? Iwe haufaniri kuripa mutsauko shure!
HSA vs FSA pazvikamu zvakasiyana zveupenyu
Kunyange zvazvo kune maitiro akawanda ekuenzanisa maitiro pakati peHSA neFSA, kusarudzwa kwerongwa kunogonawo kuwira kune zvinotarisirwa zvemari yekurapa. Kana uine vana vaduku uye vane utano hwakanaka, FSA inogona kuva yakasarudzo yakanaka yekuti mhando yemakambani uye zvimwe zvipi zvaunosangana nazvo. Kana iwe ukava nechirwere chekurapa chikuru, zvisinei, uye HSA iyo yave iri kuvaka ingapa hukuru hukuru mukubatsira izvi zvakakura kunze kwemari.
Pasi Pano pa Kusiyana Kwepakati peHSA neFSA
Kunyange zvazvo zvose HSA uye FSAs zvakarongedzwa senzira dzokuderedza mutero wemitero iwe unobhadhara, pane zvakawanda zvakasiyana. Semhedziso pfupi, zvirongwa izvi zvakasiyana:
- Ndiani ane account
- Eligibility
- Chii chinoitika kana iwe ukarasa basa rako
- Ndiani anogona kupa
- Iwe unogona kugovera zvakadini
- Ndiani anokonzera kusununguka, uye ndiani ane basa rekuratidza zvinyorwa zvinoshandiswa kuti zvikwanise kurapwa kwemari
- Kana iyo inogona kushandiswa kune imwe nguva
- Kana iyo inogona kushandiswa kubatsira kubatsira kuronga basa
- Kana uchikwanisa kubvisa mari yausina kuisa
- Kutarisana nekuponesa
- Inga mari mari rollover kana kupera pakupera kwegore
Kuva neHSA kana FSA inzira imwe yekuderedza mari inoshandiswa inoshandiswa iwe unopedza pamari yekurapa. Kunyange zvazvo zvichibatsira, mari yaunogona kugovera inogona kuva yakaderera pasi pekunze kwekodhi yemari kana iwe une chirwere chekurapa chikuru. Iwe unogona kunge uchikwanisa kushandisa madhora asingabhadhara mutero nokuda kweizvi mari kana mari isingabatanidzwi neFSA yako kana HSA inopfuura 10 kubva muzana yemari yako yakashandurwa yakawanda. Dzidza zvakawanda nezvekutora mari yekurapa pamitero yako
> Kwakabva:
> Internal Revenue Service. Nhamba Yehurukuro: 502-Zvokurapa uye Mazino Emari. https://www.irs.gov/taxtopics/tc502