Kune huwandu hwemari yatinayo yehutano kana kurapwa iyo isingakodzeri kubhadharwa kuburikidza neFlexible Spending Accounts kana Maintenance Health Savings kunyange zvazvo inoratidzika seinofanira kukodzera.
Mune zvimwe zviitiko, iyo inodhura iyo yakadzorerwa munguva yakapfuura, sekudarika-iyo-zvinodhaka, asi mitemo nemirairo zvashanduka. Mune zvimwe zviitiko, havana kumbobvira vaongororwa kuburikidza nehutano hwekuongororwa kwemitero, sekubhadhara kwekushandiswa kwemutevedzeri wemurwere.
Nokuda kwekujekesa, IRS inopa mazano emhando dzemari dzaunofunga kuti dzinofanirwa kubhadharwa kuburikidza neHSA s kana FSAs asi kwete. Heino IRS's master list yezvisingabatsiri zvekurapa mari.
Chinhu chipi nechipi Inishuwarenzi Yenyu Yakatove Yakabhadharwa Nokuti Haisi Imari Yinofanirwa
Izvozvo zvingaita sezviri pachena, asi kana iwe uchitarisa kuti inguva yakadii yekuisa pane imwe muFlexible Spending Account , ndicho chiyeuchidzo chinokosha. Iwe unoda kuziva kuti zvakawanda zvepi zvese zvekurapa zvinofukidzwa neinishuwarenzi yako, zvinoreva, iwe hauchazobhadhara kubva muhomwe rako uye naizvozvo, hazvizodi kuti udzoserwe.
Somuenzaniso, kana chiremba wako anokurudzira kuti urege kusvuta, unyorera tsamba yekubatsira, uye iwe unobhadhara chete mari yekubhadhara kuti uwane mishonga yako, zvino chengetedza mari yekubhadhara chete mukugadzirira kwako, uye kwete mari yose ye chiremba.
Kupfuura-the-Counter Mishonga Haisakodzeri Imari yeMari
Gore risati rapera mutero wegore ra2011, mishonga yakawanda-iyo-inoshandiswa seHSA kana FSA mari uye inogona kubhadharwa. Zvisinei, izvo hazvisi zvechokwadi kunze kwekuti iwe unogona kuwana chiremba wako kuti anyore mishonga yezvinodhaka zvinodhaka iwe unotora.
Kana chiremba wako anokurudzira chero kupfuura-iyo-mishonga yemishonga kwauri yakadai sa aspirin yezuva nezuva kana kunyange mavhithamini, bvunza chiremba wako kuti anyore mishonga yemishonga iyoyo, uye iwe uchakwanisa kuiisa mumari yako yekufanirwa.
Mamwe Manzwiro Emishonga Haana Kufanirwa Nezvokurapa Kwemari
Mishonga yemazino inoonekwa seyakakodzera mari chete kana ichidzivirira kana kugadzirisa matambudziko emeno.
Zvechokwadi, haisi mabasa ose anopiwa nechiremba wemazino anodzivisa kana kugadzirisa zvinetso. Semuenzaniso, zino kuchenesa hazvibatanidzi nokuti hazvifungidziri kuva hutano kana kurapwa. Saka, haisi mari yekurapa inokodzera, inotsiviwa neHSA kana FSA.
Dzimwe Utano Inishuwarenzi Huru Hazvikodzeri Mishonga yeMari
Kunyange zvazvo zvakawanda zvepamurimi unobhadharwa nehutano hwehutano hwehutano zvinogona kuonekwa sekukodzera mari, kwete dzose dzinogona.
IRS haizokubvumi kuti uise chero premium kana chikamu chemari yako yepamusoro inobhadharwa nemushandirwi wako, uye iwe unogona kusanganisira purogiramu ipi zvayo yemishuwarenzi yehupenyu, chero chikamu chemotokari yako yerishuwarenzi (kunyange yezvokurapa mari) kana vamwe. Iva pachena nezvezviri, kana kuti kwete, zviri pamutemo kuisa.
Yakawanda yeGym Memberships, Spas kana Makombiyuta Ehutano Haafaniri Kushandiswa Kwemari
Kunyange kana uremu hwekurasikirwa huripo hunogona kunge huchikwanisa kurapwa mune zvehutano kana chiremba wako achivataurira, chikwata chako chekuita zvekunyora kana mabasa anowanikwa pane spa kana kemikirini yehutano zvingave zvisina - zvichienderana nemamiriro ezvinhu ayo iwe unoshandisa iyo masangano.
I IRS inoratidza kusiyana pakati pekurasikirwa kwekutaridzika kwekuonekwa nekuda kwekurasikirwa kwehutano hwehutano pasi pekuchengetedzwa kwachiremba. Iwe usati waedza kubhadharwa nekuda kwezvikwata zvemari, kana usati wazvinyora muurongwa hwako hwekuisa-asides muFlexible Spending Account, chengetedza kaviri nemukuru weFSA yako kana HSA purogiramu kuti uone kana zvichabhadharwa.
Mishonga kana zvinodhaka Unotenga kubva kunze kweUnited States Usafanirwa
Kana iwe uchida kuisa mishonga yako yemishonga kubva kune imwe nyika , usaedza kubhadharwa nekuda kwezvinodhaka zvechirwere ichocho sechirwere chekurapa chakakodzera kuburikidza neFSA yako kana HSA.
Mumiririri wega Mutevedzeri Wekuda Mari Haafaniri Kushandiswa Kwemari Mishonga
Kunyanya kuhaya mutungamiri wehutano wega wega kungave kuchenjera kuenderera mberi kuti uwedzere mikana yako yehutano hwakanaka, IRS haina kunyora pasi iri pakati pemvumo yekukodzera yekubhadhara mari yekubhadhara pasi peFSA kana HSA.
FSA uye HSA Kuwana Mari
Usakanganwa kuti kunyange zvazvo kune dzakawanda zvehutano uye hutano mari dzisingabvumirwi kubhadharwa kuburikidza neFSA uye HSAs, pane zvimwe zvakawanda zvinowanikwa mune zvekurapa mari .
Kana zvasvika nguva yekuona mari yakawanda yaunofanira kuisa pane imwe muFlexible Spending Account, kana kuti imwe mari inokodzera kubhadharwa, unogona kugara uchibvunza mudzidzisi wemitero kana iwe usingakwanise kuzviona kubva pane zvinyorwa.