Kushandura utano hwehutano hwemumwe wako kana urongwa hwehutano hwemumwe wako hunogona kukuchengetedza mari.
Kana iwe newawakaroorana naye kana mukomana wenyu mose makakodzera kubasa rehutano huripo, chengetedza maitiro ehutano hwehutano hwekambani paunenge uchinyoresa kuti uone kuti chii chingakubhadhara zvishoma. Vashandi vanosiyana zvakanyanya maererano nemipiro yavanoita kumayero ehurukuro, uye iwe unogona kuchengetedza mari kuburikidza nekushandura kumhuri yemhuri yako.
Penguva yekunyoresa yekambani yako, tarisa pane zvakasiyana-siyana zvekugadzirisa iwe waunoshandira. Iwe unogona kukwanisa kuchengetedza mari nekusarudza chirongwa chakasiyana, chakadai seHMO inoda kuti iwe usarudze chiremba wekutanga kuchengetedza kutarisira kwako. Mune dzimwe nzvimbo dzenyika, vanachiremba vemo vanogona kunge vari mune zvose kana kuti vazhinji vezvirongwa zvehutano hwehutano uye iwe haufaniri kunge uine hanya nekushandura vanachiremba .
Tora Kubatsirwa Kwokutanga Kunyoresa
Makambani makuru makuru anopa zvirongwa zvakasiyana-siyana zvehutano. Munguva yekunyora kwekambani yekambani yako, unogona kuchinja kugoverwa kubva kune rimwe chirongwa chehutano kune imwe chirongwa (iwe wezvechiremba wenhoroondo haibatanidzeri basa rako mukukwanisa kuchinja zvirongwa). Zvichienderana neurongwa hwekugadzirisa iyo iwe waunoshandira unopa, unogona kukwanisa kuita zvimwe zvisarudzo, zvakadai sokuwedzera kana kuderedza chiyero chegore rako raunotora. Iwe unogonawo kunyora kuhutano hwehutano kana iwe usina kumbobvira wakanyoresa kana kuregera kugoverwa kwako.
Mazhinji emakambani anotora nguva yekunyora yakazaruka (inowanzogara mwedzi mumwe chete) pakuwa kwegore negore kubvumira kuchinja kwehutano huripo munaJanuary 1 wegore rinouya. Mamwe makambani ane nguva yekunyora yakasununguka pane dzimwe nguva uye unogona kutarisira kugamuchira zivo yakakwana mberi.
Kana kambani yekunyora kwekambani yako yakaguma uye iwe waita sarudzo dzako kune gore rinouya, kurapa kwako kwehutano kwakapfigirwa kusvikira panguva inotevera yekunyorwa kwegore. Kunze kwekuti iwe uine rumwe rudzi rwechiitiko chakakodzera, haugoni kuchinja mararamiro ako ehutano kwegore rose.
Kana uri kutarisa kuchinja kuhutano hwehutano hwemumwe wako kana zvimwewo, iva nechokwadi chokuti nguva dzekunyoresa dzakasununguka kune vashandi vose vane zvimwe zvinobatana. Iwe uchakwanisa kuparadzanisa kubva pane rimwe chirongwa panguva yekunyora kwayo yakasununguka, uye kunyora mune imwe urongwa munguva yekunyora kwayo yakasununguka, asi iwe unogona kuguma nechavharo muhuwandu kana vashandi vaviri vasina kunyora kusununguka panguva imwechete .
Vazhinji vashandi vanotanga kunyora kuzarura mukudengenyeka, nekushandurwa kwakajeka munaJanuary 1. Asi zvakakosha kunzwisisa kuti kana mumwe muvakidzani ane kubhadhara zvakasununguka pakati pegore (negore idzva remakore rinotanga naAugust 1, somuenzaniso), uye mumwe wacho anonyora kuzarura mukudonha negorongwa regore rinotevera gore rekarani, iwe unogona kunge usisina kuvimbiswa kwemwedzi mishomanana panguva yekuchinja. Kana iwe uine hutano hwakanaka, iwe unogona kunyora purogiramu yenguva pfupi kuti uvhare iwe panguva yechipfuva, asi kana chikamu chacho chiri mwedzi mitatu kana kupfuura, iwe unenge uri pachigamba chechirango chaAAC chaanotongerwa .
Kufanirwa Zviitiko
Chiitiko chakakodzera chinokubvumira kuti uchinje basa rako-based health health insurance chero nguva ipi zvayo mugore. Chii chinokodzera se "chiitiko" chinotsanangurwa nehurumende mitemo uye inosanganisira:
- Kuroora
- Kuberekwa kana kuberekwa kwemwana
- Kurambana kana kuparadzana kwemutemo
- Rufu rwemumwe wako kana mumwe wevaya vanovimba navo
- Kurasikirwa kwekusununguka kwekuparidzirwa
Munguva yekunyora kwakakosha yakakonzerwa nechiitiko chakakodzera, iwe unogona kubatanidza inshuwarisi yemumwe wako kana zvakasiyana. Cherechedza, zvisinei, kuti mamiriro ezvinhu akarondedzerwa pamusoro apa (apo vakaroorana vashandisi vane nguva yakanyatsobatanidza kunyora uye vanogadzirira kutanga kwemazuva) hazviiti kutora nguva yakanyoresa.
Kana iwe uchinge uchinge uchinge uchitarisa munguva yako yekunyora yakasununguka, uye wako wako ane nguva yekuzorora yakasununguka, kurasikirwa kwako kugoverwa hakurevi sechiitiko chakakodzera, sezvo chaiva chokuzvidira-pane kungozvipira-kurasikirwa kwekugoverwa.
Uyezve, kana iwe une chirongwa chinotarisirwa kuchengetedza (zvakadai sePPO kana kuti HMO) uye kushandisa sangano rekupa , iwe unogona kuchinja zvirongwa zvehutano kana iwe uchienda kunharaunda yakasiyana uye hausisiri munharaunda yebasa rekushandira yako yekare ronga.
Kusarudza Kuti Ndeipi Purogiramu yaJobho Ichapa Izvo Zvakanakisisa
Kunyange zvazvo zvingakutora iwe nguva, shandisa nhamba kuti uone kana zvine musoro kune vose vemhuri yako kuti varambe vari pane chirongwa chakafanana chehutano. Iwe unogona kukwanisa kuchengetedza mari kuburikidza nehutano hwakasiyana hwehutano kune dzimwe nhengo dzemhuri. Semuyenzaniso:
Don naBarbara
Don S., makore 46, nemudzimai wake Barbara S., ava nemakore makumi mana nemashanu, vose vane mukana wehutano hwehutano kuburikidza nevashandi vavo. Vane mhuri yekuparidzira kuburikidza neDon, iyo inosanganisira kugoverwa kwevana vavo vaviri, vane makore gumi nemaviri. Don inowedzera simba uye ine chirwere cheshuga cheshuga, high cholesterol, uye kuwedzerwa kweropa; anoshandisa zvirongwa zvakawanda zvehutano. Barbara nevana vari mune hutano hwakanaka uye vanongoda kuongorororwa kwenguva dzose mumakore akawanda apfuura.
Nekuda kwehutano hweDon, vane chirongwa chepabonde chinotapudzwa chemhuri chakine zvikwereti zvakakwirira. Mhuri inogona kukwanisa kuchengetedza mari kuburikidza nekuti Don ave nepurogiramu yakaderedzwa yakaderera kuburikidza nomushandirwi wake uye Bharbara asarudze chirongwa chemhuri chepamusoro chekudzikinura iye nevana kuburikidza nemushandi wake.
Asi izvi hazvizove nguva dzose sarudzo yakanakisisa, nokuti inowanikwa muhurukuro yakawanda yehuwandu hwehuwandu hwemushandi wese anenge achida kuvhara. Maererano neKaiser Family Foundation kuongororwa, muvhareji anoshandira uyo anopa zvipo zvehutano anorayira zvinenge makumi manomwe kubva muzana zvemarikiti yemhuri yose. Asi vamwe vashandi vanongobatsira kupa zvikwereti zvevashandi vavo, uye kwete avo vemumhuri vanowedzerwa kurongwa. Saka kuti uone kana mhuri yako inofanira kuvharwa pasi peurongwa humwe kana kushandisa zvose, iwe unoda kuziva kuti iwe unofanira kugovera zvipi muhurukuro pasi pesarudzo imwe neimwe.
Maria naJorge
Maria G., ane makore 32, nemurume wake Jorge G., makore 33, vose vanoshanda nguva yakazara uye mumwe nomumwe ane inshuwalhu yehutano inopiwa nevashandi vavo. Makambani maviri aya ane nguva yokunyora yakazaruka kubvira pakati paOctober kusvika pakati paNovember.
MunaSeptember, Maria akazvara mwana mukomana, chiitiko chakakodzera chakavabvumira kuwedzera mwana, Jorge, Jr. kune imwe yehutano hwehutano hwehutano. Zvisinei, kuwedzera munhu anozvipira kune imwe sarudzo inoshandura inishuwarenzi inobva kune vashandi-kungova kugoverwa kwemhuri kana yevashandi-pamwe-vana kugoverwa (zvichienderana nehuwandu hwepamberi inoshandiswa nemushandirwi), iyo inonyanya kuwedzera purogiramu yemwedzi.
Takatarisana nekuwedzera kwemadhora mazana maviri nemwedzi kubva kumumwe wevashandi, vaviri vacho vakatarisa pane zvavanokwanisa. Imwe nzira ndeyekumirira kusvika pakanyoreswa pachena uye kuisa mitezo yese yemhuri mune chirongwa chimwe cheutano kubva kune mumwe muvakidzani. Izvi zvinogona kupedzisira zvichivaponesa mari, kunyanya kana mushandi waMaria akatovhiringidza kuvhara kusvika kumhuri ye "mihuri" pamwe nekuwedzerwa kwaJorge, Jr. Kana zviri izvo, achiwedzera Jorge, Sr. aisazowedzera mahorasi (premium kuwedzera, kunyange zvakadaro, kana premium yaMaria ikozvino yakagadzirirwa kune vashandi-pamwe-vana, sezvo kuwedzera Jorge, Sr. yaizosimudzira mari yepamuhuri kumhuri yakakwirira yepamusoro).
Imwe nzira ndeyekutenga mutemo wemumwe wemakethe wemwana. Zvichienderana nehuwandu hwevashandi vanowedzera kuwedzera vanovimba, zvinogona kuguma zvisingadhura kutenga mutemo wakasiyana wemwana. Izvi hazvigone kuitika kana mhuri ine vana vanopfuura imwe chete, zvisinei, sezvo zvirongwa zvakakura zvakarongwa nevashandirwi zvinowanzobhadhara mutengo mumwe chete wemwana umwe kana vana vazhinji, asi zvirongwa zvemakethe mumwe nomumwe zvichabhadhara premium yakasiyana yemwana mumwe nomumwe mhuri, kusvika kune makumi matatu (kupfuura vana vatatu mumhuri imwe iri pasi pemakore makumi maviri nematanhatu, hapana purogiramu yakawedzera mumusika mumwe nomumwe).
Kunzwisisa Mhuri Glitch
Kana uri kutarisa imwe chirongwa chemakambani kune mumwe kana vamwe vomumhuri, kunze kwekugoverwa kubva kumushandi kune mumwe kana vamwe vemamwe mhuri, zive kuti ruzivo rwerongwa rwamashandirwo achaita kuti vamwe vemhuri vagone kukodzera premium rubatsiro mumusika mumwe nomumwe.
Kune vanhu vanozvitenga pamusana pekugoverwa kwemusika, rubatsiro rwema premium runowanika muAACA kushandiswa mune imwe nyika, zvichienderana nemari. Asi kunyange kana mari yako yemhuri inokuita kuti uwane rubatsiro, rubatsiro rwako kune chirongwa chinoshandiswa nevashandirwi chinotorawo basa. Kana huwandu huripo hunoshandiswa nehurumende-huripo huripo hunowanika kumhuri yako uye mari yekuvhara chete mushandi inofungidzirwa kuti inokwanisika (kwete kupfuura 9.56 kubva muzana yemari yose yemhuri muna 2018), chero mimwe nhengo dzemhuri dzinokodzera kuwedzerwa kune Urongwa hwevashandi-huripo (pasinei nokuti ingabhadhara mari yakawanda sei kuwedzera kune chirongwa) havakwanisi kupiwa rubatsiro rwepayimusi mukutengeserana. Izvi zvinonzi mhuri inobwinya , uye zvakakosha kuchengetedza mupfungwa apo iwe uri kutora nhamba kuti uone kana dzimwe nhengo dzemhuri dzingave dziri nani kune imwe nzvimbo yekutengeserana kwemashamba panzvimbo pekushandira-kubhadhara mari.
Surcharges for Vakaroorana
Pasi pemutengo unochengetedza mutemo, vashandirwi vakuru vanofanirwa kugovera kuparidzira kune vashandi venguva yakazara nevaya vanovimba nevashandi. Asi ivo havakwanisi kupa ruzivo kuvashandi vevashandi. Vazhinji vashandi vakaramba vachipa kugoverwa kune vakaroorana vevashandi, asi vamwe vakafunga kuti vakaroorana havakwanisi kunyoresa mune zvavanowana zviripo kuburikidza nevashandi vavo, uye mamwe mahofisi iye zvino anowedzera mubhadharo kana vakaroorana vashandi vakasarudza kuwedzerwa kune avo vakaroorana 'zvirongwa apo ivo vanewo sarudzo yekunyora nezvirongwa zvevashandi vavo.
Kuti uwedzere kuomesa nyaya, 10 muzana yevashandi vanopa hutano huripo huripo hunoita kuti vashandi vavo vatsigire kana vakaderedza chirongwa chavanoshandiswa uye vachisarudza kuzvinyorera muurongwa hwemumwe wavo. Saka vamwe vashandi vari kutora matanho ekushingaira kuderedza nhamba yevakaroorana vanonyora muzvirongwa zvavo, nepo vamwe vashandi vari kutora matanho ekushingaira kukurudzira vashandi vavo kuti vasainire kugoverwa kwevakaroorana navo panzvimbo peurongwa hwavo hwebasa.
Nokudaro somuenzaniso, funga Bob naSue, avo vakaroora uye mumwe nomumwe ane basa rakabhadharwa-rakabhadharwa rinobva kune avo vashandi. Vashandi vaviri vanoshandisawo mari yekukwereta kana mudzimai wako ane avo vashandi-vanobhadhara inshuwarheni inoshandiswa. Kana Bob achisarudza kubatana neSue paurongwa hwehutano hwemushandirwi wake, mushandi wake achawedzera pamusoro pekubhadharisa-pamwe nekutanga-nokuti Bob angasarudza kusarudza zano rake.
Izvo zvingave zvichinyanya kunzwisisika kuwedzera wawakaroorana naye pane chirongwa chako chaunoshandisa iwe paunofunga muzvimwe zvose, asi iwe unoda kunzwisisa kana kana wako asingashandisi kubhadharana kwevakaroorana avo vanorambidza ivo pachavo vavanobatsirwe uye kunyoresa muurongwa hwemumwe wako pane.
Kufungisisa Kunokosha Kana Une HDHP
Kana iwe kana mudzimai wako mune imwe sarudzo yeHSA-yakakodzera yakagadziriswa chirongwa chehutano (HDHP) kubasa, iwe uchada kuziva nezvekugadziriswa kwekuve nemunhu mumwe chete wemhuri pane chirongwa ichi kusvika pane imwe chete.
Kana imwe nhengo yemhuri ichikwanisa kuvhara pasi peHDHP, mari yaunogona kuisa kune HSA yakaderera kupfuura iyo ingave iyo vaviri kana kupfuura nhengo dzemhuri dzaive nehupfumi pasi peHDHP. Asi kune rumwe rutivi, iyo yakagadziriswa paHDHP inowanzoita kaviri kana yakakwirira kana iwe uine kuvhara mhuri (zvinopesana nekugoverwa kwemunhu mumwechete), uye mhuri yose inobviswa inofanira kusangana pamberi pekuti chero nhengo dzemhuri dzikwanise kubhadharwa (pamwe nevhavha yekuti hapana nhengo yemhuri inogona kudiwa kuti iwedzere mari yakawanda kunze kweiyo mari yegore kupfuura yekuti munhu wese kunze kwemapuranga akagadzwa nehurumende yehurumende yegore iroro, nokuti muna 2018, iri $ 7 350).
Saka kana uine kana uri kufunga nezveHIVH uye zvipo kune imwe HSA, iwe unoda kuchengetedza zvinhu izvi mupfungwa kana iwe ukasarudza kana mhuri yose inofanira kunge iri purogiramu imwe, kana pazvirongwa zvakasiyana.
> Sources:
> Cornell Law School, Legal Information Institute. 29 CFR 2590.701-6 - Nguva dzekunyora dzinokosha.
> Internal Revenue Service. Revenue Procedure 2017-36 .
> Kaiser Family Foundation. Mushandi Wehutano Nheyo 2016 Kukurukurirana kweZvitsva. Gunyana
> Kaiser Family Foundation. Mushandi Wehutano Nheyo 2017 Mhedziso yeZvitsva. September 2017.
> Society of Human Resource Management. 2017 maererano ne 2018 HSA Contribution Limits. May 2017.