I-ABCs yeHSAs neHDHPs!
Chii Chinonzi Account Account Savings?
Nhoroondo yehutano yekuchengetedza utano (HSA) rudzi rwekambani yaunogona kuisa mari kuti uchengetedze hutano hwehutano hwakanaka pamutero usingabhadhari.
Iwe unogona kugovera ku account yehutano yekuchengetedza chete kana iwe:
- vane chirongwa chepamusoro chekuregererwa kwehutano (HDHP)
- hauna imwe yveshuwarisi yehutano inoshandiswa, kusanganisira Medicare - zvisinei, iwe unobvumirwa kuva nemamwe marudzi ehutano hwehutano hwakadai, sengozi, kuremara, kutarisira mazino, kuonekwa kwemazino, kana kushandiswa kwehutano kwenguva refu.
- hazvikwanisi kudzingwa semunhu anotenderera kune mumwe munhu kutengesa mutero
Zvose iwe newaunoshandira unogona kupa michero kune HSA yako. Zvisinei, mari yose yezvipo haigone kuve yakapfuura chikamu chegore negore chakaiswa nehurumende. Muna 2018, mupiro wepamusoro uri $ 3 450 kana iwe uri wega-kuparidzira pasi peHDHP, uye $ 6 850 kana uine mhuri yekuvhara (vaviri kana kupfuura vanhu vakafukidzwa) pasi peHDHP.
Mipiro ipi zvayo yakagadzirwa kune HSA yako inofanira kunge iri mari; mipiro yematokari kana nzvimbo haibvumirwi. Uyewo, haugone kupa mishonga kune HSA yako apo iwe unopinda muMedare. Zvisinei, iwe unogona kuchengeta mari iri muHSA yako uye ukashandisa iyo kubhadhara mari yekurapa musero.
Kana iwe ukabvisa mari kubva kuHSA yako usingabhadhari mari yepamusoro yezvokurapa, iwe uchabhadhara mutero wemari pamari, uyewo chirango. Chirango chekuparadzanisa kubva kune HSA yako isati yashandiswa pakubhadhara mari yekurapa yakakwira kubva kubva pa10 kusvika ku20 muzana mugore ra2011, sechikonzero cheNotengeswa Care Act.
Mitero Yemitero
Maererano neInternal Revenue Service (IRS), HSAs dzine zvinotevera zvinobhadhara mutero:
- Iwe unogona kuda kubhadhara mutero kune zvipo iwe kana mumwe munhu kunze kwewakashandira, ita kuHSA yako.
- Mipiro yeHSA yako yakagadzirwa neunoshandira yako inogona kubviswa pamari yako yakawanda.
- Chero rubatsiro kana zvimwe zvipo zvaunowana pamari iri muHSA yako haina mutero.
- Mari yaunotora kubva kune yako HSA inogona kunge isingabhadhara mutero kana iwe ukashandisa iyo kubhadhara "yakakodzera" mari yekurapa.
- Hapana nguva yekupedzisira yekuzvitsiva iwe pachako nokuda kwemari yekurapa uchishandisa HSA yako. Chero bedzi mari yekurapa yakakodzera yakabatwa mushure mokugadza HSA, unogona kumirira makore kana makumi emakore kuti uwane mari kunze kweHSA kuvhara mari yezvokurapa (chengeta zvitura zvako, sezvaunoda ivo kana IRS ichikubvunza iwe kuratidza kuti iwe wakaita, chaizvoizvo, kuunza mari yekurapa yauri kubhadhara iwe pachako).
- Mushure mezera remakore makumi matanhatu nemashanu, munogona kutora mari kubva kune HSA chero chinangwa chamunoda, pasina chirango. Asi kana iwe usingashandisi mari yekubhadhara mari yekurapa, iwe uchabhadhara mutero wemari pamusana pokubvisa, sezvaunoda kubva kune tsika yeIRA.
Iwe unogona kuwana tsananguro pamusoro pemutero wemitero nemitemo (kusanganisira mienzaniso yekuti HSAs inoshanda sei) muIrS Publication 969, MaParamende Ekuchengetedza Utano uye Mimwe Mitero Yehutano-Favored.
Kusayina kuHSA
Mabhangi, zvikwereti zvemakwereti, makambani einishuwarenzi uye mamwe masangano emari anobvumirwa kupa uye kutarisira nhoroondo dzeHSA. Vashandi vako vangave vakagadzirira hurongwa huchakubatsira iwe kunyora.
Cherechedza kuti HSA yako haisi chinhu chaunotenga; iyo iyo mari yekuchengetedza iyo iwe unogona kuisa mari pamutero-wakasarudzwa.
Chii Chikuru-Deductible Health Plan?
Kana ukasarudza kuzarura HSA, iwe unofanira kuva ne-high-deductible chirongwa chirongwa (HDHP). IHHHP inoratidziro yehutano inshuwarano chirongwa chinofanirwa kuenderana nemitemo chaiyo ye IRS. Pane mitemo ine chokuita nekuderedza zviduku uye zvigaro zvisingabatsiri, uye chirongwa hachigone kupa chero hupi zvimwe kunze kwekuchengetedzwa kwekuchengetedza (sezvinotsanangurwa ne IRS) isati yabviswa.
Muna 2018, HDHP inofanira kubhadhara mari inosvika $ 1,300 kune munhu mumwe chete, kana $ 2 600 pamhuri.
Uye chirongwa chacho hachikwanisi kuva nechepamusoro-pfupa inopfuura $ 6,550 kune munhu mumwe chete, kana kuti $ 13,100 yemhuri. Nhamba yeiyo inowanikwa inowanikwa seductible uye kunze kwehomwe mari inoshandurwa gore negore kuti iongorore kutengesa.
Izvo zvikamu zvepamusoro zvekunze kwemahomwe yeHHHPs zvakaderera kupfuura iyo yose yakawanda kunze kwe-pocket mitemo inoshanda pane mamwe mazano . Muna 2014, dzaive zvakafanana, asi nzira yakashandiswa kuwedzera miviri yekunze ye-HDHPs inopesana nemurairo wakashandiswa kuwedzera mitemo yekunze kwepakona kune dzimwe zvirongwa, saka miganhu yepamusoro yakasiyana neyaka.
Nemhaka yokuti kwete-HDHPs inogona kuva nemiganhu yepamusoro-ye-pocket, HDHPs haisi iyo inoronga nemapurayamisi akaderera, izvo zvichave pachena kana uri kutengesa iwe pachako kugovera mumusika mumwe nomumwe. Asi kana zvasarudzo zvako zvisingakwanisi nemushandirwi uye imwe yezvirongwa zviripo ndeye HDHP, inogona kunge yakagadziriswa purogiramu yakaderedzwa yako inoshandiswa nemuhanisi, sezvo mamwe mazano aripo angangosanganisira zvikwereti (semakambani ekufambisa mahofisi, panzvimbo yako iwe uine kubhadhara mari yakazara yehofisi yekushanyira) vasati vatsaurwa.
Iwe unogona kushandisa account yako yekuchengetedza utano kuti ubatsire kubhadhara mari yako hurongwa hwehutano hahufukidze.
A Dr. Mike Tsanangudzo: Deductible - D deductible ndiyo chikwereti chaunofanira kubhadhara kunze kwehomwe gore negore nekuda kwehutano hwehutano husati wasati wabvumirwa nehushuwarisi. Pasi peHHHH (iyo inofanirwa kuva nayo kuitira kupa HSA), yako inenge yakabviswa ichava madhora $ 1,300 nokuda kwekugoverana chete, uye mari inenge madhora mazana maviri nemazana matanhatu ehupfumi hwemhuri.
Kunyora mu High-Deductible Health Plan
Kwose kambani inotengesa inshuwarhu yehutano muhutano hwako inogona kupa HDHP. Washandi wako anogona kupa HDHP uye iwe unogonawo kuwana HHHP yakakodzera kuburikidza nekutengesa munyika yako , kambani yako yema inshuwarisi ikozvino, kana mujeri kana mutengesi ane mvumo yekutengesa hutano hwehutano munyika yako. Dhipatimendi rehurumende yehushuwarisi inogonawo kukwanisa kupa ruzivo pamusoro peHIVHs.
Ndezvipi Zvakakodzera Kurapa Kwemari?
IRS Publication 502 inotsanangura mari yakakodzera yekurapa se "inotarisirwa kuongororwa, kurapwa, kuderedza, kurapwa, kana kudzivirira zvirwere, uye mari yezvokurapa zvinokanganisa chero chikamu chero chipi zvacho kana basa remuviri.Izvi mari dzinosanganisira mari yekurapa inopiwa navanachiremba, vanachiremba, vanachiremba vemazino, uye vamwe vashandi vezvechiremba vanobatanidza mari yezvigadzirwa, zvigadzirwa, uye zvirongwa zvekuongororwa zvinodikamwa nekuda kwezvinangwa izvi. "
Pasi pemitemo yeExpordable Care Act, iwe haugoni kubhadharwa pamutero usingabhadharwi wemari yepamusoro pemishonga, kunze kwekuti chiremba wako akupa iwe chiremba kwavari.
Ndezvipi Zvakanaka uye Zvinonyanya Kuita Maererano Nezvokuchengetedza Utano?
Dhipatimendi reMari yeUnited States inotsanangura kuti zvinobatsira zveHSAs neHDHP zvinosanganisira:
- Vanopa kuchengeteka nekukuchengetedza iwe pamishumo yepamusoro kana kusatarisirwe yezvokurapa.
- Mari yepamusoro inogona kuva inodhura zvikuru nekuda kwepasimisi dzehutano hwehutano hwepamusoro, sezvo zvirongwa hazviiti. Zvinoponesa zvinopfuura kwekuchengetedza kwekuchengetedza kusvikira wapedza kubviswa kwako.
- Iwe unoshandiswa kushandiswa kushandisa mari muhomwe yako kubhadhara mari yekurapa, kusanganisira mari iyo inshuwarisi yako isingagoni kuifukidza.
- Iwe unogona kuchengetedza mari iyo muakaunti yako mune ramangwana rezvokurapa.
- Iwe unogona kukura account yako kuburikidza nekubhadhara mari.
- Iwe unoita zvose zvisarudzo pamusoro pemari yakawanda yekuisa muakaunti yako, kana kuchengetedza mari yemangwana rekushandisa kana kubhadhara mari yemazuva ano, uye kuti zvipi zvekurapa mari yekubhadhara neHSA mari. Iwe unogona kusarudza kubhadhara mari yezvechiremba nemari isiri yeHSA (kureva, uye nemutero wemutero), chengetedza mabhizimisi ako, wozozvipa iwe pachako makore kana makumi emakore gare gare, nemari isina mutero kubva kuHSA. Nenzira iyi, HSA inogona kushandiswa sechikwata chekutsvaga kana rekuregererwa kwemari.
- Iwe unogona kuchengeta HSA yako kunyange kana ukashandura mabasa, shandura kurapwa kwako kwehutano, kusashanda, kuenda kune imwe nyika, kana kuchinja mararamiro ako emhuri. Iwe unogona kungoita mipiro kune HSA yako munguva iyo iwe une HDHP chinyorwa munzvimbo. Asi mari iri muHSA ndeyako uye inogona kushandiswa kuvhara mari yakakodzera yekurapa panguva ipi zvayo mune ramangwana, zvisinei pasinei nehutano hwehutano hupi hupi (kana hauna) panguva iyoyo.
- Mari yako inoramba iri munhoroondo yegore negore - hakuna "kuishandisa kana kurasikirwa nayo" mitemo
Uyezve, HSA yako inopa hupfumi hwemari katatu:
- mitero inobviswa paunopa mupaiti yako
- mutero usingabhadharwi nemari yekutsvaga
- kubhadhara mitero kusingabhadhara mari yekurapa
Mamwe masangano emubhengi, kusanganisira Consumers Union, muparidzi weVaterer Reports, vave vachirwisa HSAs nokuti vanopa zvakakosha zvikuru kune vechidiki vaduku vane utano vasina vanhu vanotarisira uye vapfumi vanogona kuchengetedza zvakawanda pamitero yavo.
> Sources:
> Internal Revenue Service. Affordable Care Act: Mibvunzo nemhinduro pamusoro peChirwere chemishonga nemishonga.
> Internal Revenue Service. Internal Revenue Bulletin. Nhamba ye Bulletin 2018-10 , March 5, 2018.
> Internal Revenue Service. Kuparidzirwa 502. Zvokurapa uye Mazino Emari .
> Internal Revenue Service. Zvinyorwa 969 (2017) Health Savings Accounts uye Mamwe Mitero-Favored Health Plans.