Kubatsira, Kuwirirana uye Kusiyana pakati peHSAs neFSAs
Kusanzwisisika Kutengesa Maererano Nehutano Kuchengetedzeka Maererano nemikana mikana miviri VaAmerica vangasarudza kuisa mari pamarikiti yavo kuti vashandise mari yekurapa. Kuisa-parutivi zvinoreva mari inopinda munhoroondo kuti iwe ushandise gare gare. Nhoroondo imwe neimwe inobatsira uye mitemo yakasiyana yekushandiswa. Iko kune kufanana kwakakosha uye kusiyana pakati peFlexible Spending Accounts (FSAs) uye Health Savings Accounts (HSAs).
Iyo Yakakurumbira Kufanana pakati peFSAs neHSAs
Chinyanya kukosha pakati penyaya mbiri idzi ndechokuti iwe unobvumirwa kuisa pamari mari yacho usati wabhadhara mitero yemari pairi. Chero bedzi iyo mari inongoshandiswa chete ku "kukodzera mari" (ona pasi apa) ipapo hauzombofi iwe uchibhadhara mutero wemari pane iyo mari.
Iko kusati kwabhadhara kuiswa kunze kunogona kuwedzera kusvika kune zvakawanda zvakachengeterwa iwe. Muenzaniso: Kana ukashandisa $ 500 pamari yehutano yakabhadharwa mushure mokubhadhara mutero wemari, iwe unogona kunge waifanira kuwana $ 650 kuti uwane $ 500 kuti uitwe (zvichienderana nemutero wemutero uripi.) Kana ukaisa mari iyo mune HSA kana FSA, zvichireva kuti hauna kubhadhara mitero pairi, saka iwe unongoda kuwana $ 500 kuitira kuti iwe uwane $ 500 kuti upedze. Chaizvoizvo, wakashanda maawa mashomanana kuti uwane mari iyoyo, uye mari yako yehutano yakange iri $ 150 pasi.
Kusiyana Kwakaipisisa Pakati peFSAs neHSAs
Cherechedza mutsauko wokutanga, uyo unowanzotanga kusanganiswa kana vaviri vachienzaniswa.
IFSA iyo inoshandisa mari . Izvozvo zvinoratidza kuti unotarisirwa kupedza mari yawakagadza mukati megore iyo yakarongwa. IHSA ibhuku rekuchengetedza , zvinoreva, iwe unogona kuchengeta mari iyo kusvikira iwe uchida, kunyange iwe usingachidi kusvikira makore akawanda gare gare.
Nhoroondo yeFlexible Spending Account
Nhoroondo yekushandisa mari yakashandurwa ndeye gore rimwe chete rakagadzirirwa-parutivi.
Mwedzi woga woga mugore iroro chairo, mari yawakagara watarirwa ichaderedzwa kubva pamari yako uye kuiswa munhoroondo yekushandisa kwako mugore iroro iroro. Iwe unogona kushandisa mari iyo kune chero " mari yakakodzera " yakasarudzwa neInternal Revenue Service (IRS).
Zvikwereti zvinodhura zvinogona kuve kurapwa, asi vanogonawo kuva nekuchengetwa kwezuva (kwevana kana vakwegura, vanhu vakuru vanovimba), zvakare. IRS inochengetedza rondedzero yakarongedzwa yeFSA inoshandiswa mune zvekurapa mari.
Kuti ushandise mari yawakaisa parutivi, iwe unotambira risiti yemari yakakodzera kune mumwe munhu wekambani yako akange asarudzwa kuti atarisire maitikiti. Munhu iyeye anotumira mabhizimisi ako kuchikoro chinoshandisa FSA yako uye iwe unobhadharwa mari iyo kubva payo akaunti yako. Mumakore achangobva kupfuura, vamwe vashandi vakura vatanga kubvisa makadhi ekubhadhara kuti vawane zvakananga kuFSA yenyu saka hamuzofaniri kupinda nepurogiramu-kuendesa.
Nheyo yeFSA ndeyokuti inoshandiswa-iyo-kana-inorasikirwa nayo. Mari yaunogadza kune imwe mugore inofanira kushandiswa mugore iroro, kana ichatorerwa. Ndosaka zvakakosha kuenzanisa kunyatsofungidzira kuti unofunga kuti iwe uchapedza mari yakafanirwa gore negore.
Sezvakangoita purogiramu ipi neipi yehurumende, iwe unoda kuziva nezvemitemo yekushandiswa kweFSAs kuva nechokwadi cheFSA isarudzo yakanaka kwauri.
Nhoroondo yeAkaunti Yokuchengetedza Utano
Nhoroondo yekuchengetedza utano ndeyemakore akawanda, zvichida kunyange hupenyu huri kuisa kambani. Dhipatimendi kune account ingauya zvakananga kubva pamari yako, iwe waunoshandira angaita kuti adzore kuigwaro, kana iwe unogona kuisa mari yako pachako. Sezvinorondedzerwa pamusoro apa, mari inoponeswa muHSA haina mari-inotorwa.
Kana nguva yasvika yokuti iwe wakabhadhara kunze kwehomwe yezvikwereti zvakakodzera zvekurapa , unogona kuzvidzorera kubva kuHSA yako. Kusiyana neFSA, kungofanana nehutano kana hutano-hutano hunofanirwa kubhadharwa kubva kune HSA yako. Kana iwe ukatora mari yacho kune chimwe chikonzero, ichava pasi pemitero uye zvinogona kutongwa.
IRS inonyora urongwa hwemari yezvokurapa inokodzera kuHSA. Urongwa uhwu hunosanganisira kubhadharwa, kubhadhara, kudhakwa kwezvinodhaka, zvinhu zvehutano zvakagadzikana semakona kana magirazi emaziso.
Kubatsira kukuru kweHSA ndeyekuti mari yako nguva dzose yekuchengeta kana kushandisa. Hazvibvi pakupera kwegore. Iwe unogona kuchengetedza mari iyo isingabhadhara mutero muHSA apo iwe uri mumakore ako makumi maviri, uye usazomboshandisa kusvikira iwe uri mumakore ako makumi matanhatu-kana kupfuura.
Kunyange zvazvo zvingaita sokuti iyo mari yekuchengetedza ingadai iri pfungwa huru kune vose, kwete vose vanobvumirwa kuva neHSA. Vaya chete vane hurongwa hwehutano hwehutano hwehutano hunogona kuumba HSA kuitira kuti vashandise mutero kubhadhara. Mitemo pamusoro pekukwirira kwakaderedzwa kunofanira kuve, uye kuti yakawanda sei inogona kuchengetwa inosiyana gore negore.
Usati wasimudza HSA, iwe unoda kunzwisisa zvakananga kuti HSA inoshanda sei , uye iyo inobatanidza ne-high-deductible health insurance plan, pamwe nemitemo nemiganhu yekuchengetedza uye kubhadhara.