An HSA, kana Aunti yeUkuchengetedza Utano, ihurumende yakakosha yekodha-yakakonzerwa kugadziriswa yakagadzirirwa kukubatsira kubhadhara mari yekunze yezvemari apo iwe une chirongwa chehutano hwakakosha, kana HDHP. Mukuwedzera pakuva nzira yakanakisisa yekubhadhara mari yezvechipatara sekuderedza kwako, mazano , uye mari , huwandu hweHSA huri kuwedzera kushandiswa sechikamu cherongwa hwekusarura mari .
Zvisinei, nekuda kwemitero-inobatsira, pane mitemo yakawanda pamusoro peyani anobvumirwa kutanga HSA, uyo anogona kupa mari kune HSA, uye iyo mari inogona kushandiswa. Kana iwe usingatevedzeri mitemo, iwe ucharasikirwa nezvinodiwa mutero uye iwe uchatora zvimwe zvikwereti.
Ko HSA Inoteerera Mitero Yangu?
Kana iwe uchitarisira HSA yako nenzira yakarurama uye uchitevera mitemo yose ye IRS, yako HSA mari ndeyokuti:
- Kwete kuteresa kana iwe uchiwana uye uriisa muHSA.
- Kwete kuteresa sezvo ichikura.
- Kwete kuteresa kana iwe uchibvisa kunze kweHSA kuti ubhadhara mari yekurapa.
Heino nzira iyo inoshanda. Mari yaunoisa muHSA yako inotora-inobviswa. Kana iwe waunoshandira achikupa kune HSA yako, iyo mari haina kuverengwa semari inowanikwa kuitira kuti iwe usabhadhara mitero pairi, zvimwe.
Kufarira uye kubhadhara mari inowanikwa muHSA yako kukura mitero-inoderedzwa sezvinoitwa muIRA. Sezvo iwe usingiri kubhadhara mitero yemari gore roga roga pane zvaunofarira, iwe unowedzera huwandu hwechido ichocho munhoroondo, uye iyo nhoroondo inokura nokukurumidza.
Kana iwe ukatora mari kubva muHSA yako kuti ubhadhara mari yakakodzera yekurapa, haufaniri kubhadhara mutero wemari pairi. Zvisinei, kana ukatora mari kunze kweHSA yako asi usashandise mari yekurapa, iwe unofanira kubhadhara mutero wemari kune iyo uye pamwe nezana 20 muzana chirango (izvi zvaishandiswa kuva 10 muzana, asi Affordable Care Act yakawedzera kusvika 20 muzana).
Mushure mokunge mava nemakore makumi matanhatu nemashanu, mitemo yakasiyana zvakasiyana. Kana iwe uri paMedare , iwe haugone kuwedzera kuHSA yako zvakare. Zvisinei, unokwanisa kushandisa mari yawakachengetedza muHSA yako. Kusiyana usati wasvitsa makore 65, unogona kupedza HSA yako pane chero chaunoda uye hauzove nemhosva ye20%. Zvisinei, iwe unofanirwa kubhadhara mitero yemari paHSA kubvisa mari isingashandisirwi mari yekurapa. Kana ukatora mari kunze kweHSA yako uye ukashandisa iyo yepamusoro yezvokurapa mari , iwe haubhadhara mutero wenguva dzose pamutero; hazvina mutero-pasina.
Ndiani akakodzera kweHSA?
Iwe unokodzera kutanga uye kugovera kune HSA kana ukawana zvose izvi zvinodiwa:
- Iwe wakafukidzwa neHHHP inodiwa (izvi zvinoreva hurongwa hwehutano hwakakosha hunosangana nezvinodiwa zvakabviswa uye kunze kwemahombe zvakagadzwa ne IRS yeHSA-zvirongwa zvakakodzera, uye izvo hazvivharidzi chero chinhu kunze kwekudzivirira kuchengetedza vasati vatsaurwa inosangana - kureva, iwe uchabhadhara mari yakazara yekushanyirwa kwehofisi, pane kungova copay , kusvikira wapedza kubviswa kwako).
- Iwe hauna humwe, humwe hutsika, hutano hwehutano inshumo.
- Iwe hausi paMedare.
- Hapana mumwe munhu anogona kukutaurira semunhu anovimba nemutero wavo wekudzoka.
- Iwe hauna chinangwa chikuru
Mari Inopinda Sei muHSA?
Iwe unogona kupa mari muHSA yako pachako, wako waunoshandira angapa mari muHSA yako, kana mumwe munhu angapa mari muHSA yako. Zvisinei, zvipo zvegore negore zveHSA yako hazvina kukwana. Mitsara inoshandurwa gore roga roga uye yakasiyana zvichienderana nezera rako uye kana iwe pachako uine humwe huwandu hwaHDHP kana huwandu hwemhuri.
| 2017 | 2018 | |
|---|---|---|
| Kuzvidzivirira kwega kwega kune makore makumi matanhatu nemashanu | $ 3,400 | $ 3,450 |
| Kuvhara mhuri kwemakore makumi matanhatu nemashanu | $ 6 750 | $ 6 850 |
| Kuzvidzivirira-chete kunopera makore 55+ | $ 4 400 | $ 4 450 |
| Mhuri inopera makore 55+ | $ 7 750 | $ 7,850 |
Kana yako HDHP yehutano inshuwalhu inoparidzirwa iri kuburikidza nebasa rako, wako waunoshandira angapa mari kune HSA yako.
Uyezve, vashandi vazhinji vanogadzirisa mubhadharo wekubhadhara kuitira kuti muwane nyore kupa chikamu chebhadharo imwe neimwe muHSA yenyu. Apo mipiro yeHSA inogadzirwa nenzira iyi, iwe unodzivisa mutero wemari yomubhadhara uye mutero wemitero (FICA), asi kupa mari kusina kubhadharwa kune HSA kunongodzingwa chete pamitero yekubhadhara mari.
Kana inshuwarano yehutano yako isiri kuburikidza nebasa rako, iwe waunoshandira angangodaro haazobatanidzi. Muchiitiko ichi, vanhu vakawanda vanoita zvipo zvemwedzi pamwedzi kune HSA yavo. Zvisinei, nzvimbo yako yezvemari ichakubvumirawo kuti uite chikamu chemari-yezvipo kuHSA yako kana iwe uchida izvozvo.
Mari yako yeHSA inoda kuva neHSA kuchengetedza, iyo inogona kuva bhangi, chikwereti chekwereti, kana kubhadhara. Iro sarudzo yekuita mari yako mubhuku rekweretheni rinoreva kuti rinogona kuiswa mumusika wekutengesa kana ukasarudza sarudzo iyo, uchiwana mari yekudzosa kune hupfumi kwete (zviri nyore kufarira (zvipimo zvinowanikwa pasi pengozi, ndicho chikonzero vamwe vanhu vanoda kushandiswa kwezasi - uye pangozi yakaderera - iyo inofamba pamwe nekuchengeta HSA mari mubhangi kana kubhadhara chikwereti).
Iwe unogona kukwanisa kubhadhara HSA yako nekupararira kubva kune yako tsika kana Roth IRA. Kuparidzirwa kunofanirwa kuitwa zvakananga nemutambisi weIRA kumutariri weHSA uye inongobvumirwa kamwe chete muupenyu hwako. Dzidza zvakawanda pamusoro peizvi kubva kuRI shanduro 969 kana mubatsiri wako wezvemari.
Sezvo neIRA yako, unogona kupa muHSA yako kusvika musi waApril 15 th wegore rinotevera. Somuenzaniso, kana uine huwandu hweHDHP muna 2017 asi hauna kukwanisa kupa zvipo zvako zve 2017 HSA pakupera kwegore, unogona kupa mimwe mimwe mitoo ye 2017 apo uri kugadzirira mitero yako musi waApril 15, 2018.
Chii chandingazoshandisa HSA Money On?
Mari iri muHSA yako ndeyako. Iwe unogona kuripedza pane chero chaunoda. Zvisinei, kana iwe uchida kudzivisa kubhadhara mitero yemari uye zvikwereti pairi, iwe unongotora kugovera kubva kuHSA yako kubhadhara mari yakakodzera yezvokurapa .
Zvikwereti zvinoshandiswa mune zvehutano zvinosanganisira kurapa mari yehutano uhu inshuwarhu yehutano isingabhadhara, asi iyo inokodzera kutorwa sekuderedzwa pamutambo wako wekubhadhara mitero. Ona iyo yose yakanyorwa muRS Publication 502 , asi heino zvinyorwa:
- Yenyu yehutano inshupu deductible, zvinyorwa, uye coinsurance.
- Mishonga yemishonga. Pamusoro pemishonga yemishonga yakadai saTylenol haikodzeri kunze kwekuti iwe une mishonga yayo. Marijuana yekurapa haikodzeri kunyange kana iwe une mishonga uye uri mune imwe nyika iyo yakanyorerwa.
- Mazino anodhura semeno ekuchenesa, kudzivirira kuchengetedza, nekuzadza. Zvisinei, zvigadzirwa zvezvenyeredzi zvakakwana semeno ekuchenesa hazvikodzeri .
- Kuongororwa kweziso, maonero ekurairirwa, magirazi, masikironi ekutengesa, uye mazano ekubatisa lensi chero bedzi magirazi kana kuti mashandisi anoshandiswa kwezvikonzero zvekurapa sekuona kururamiswa.
- Kuberekwa kwezvibereko.
- Chirwere cheshuga chinopa.
- In vitro fertilization expenses.
- Kurapa kwakasiyana-siyana utano hwehutano hwehutano hunogona kunge husingarevi zvakadai sekurapa maitiro, chiropractic kuchengetedza, uye kurapwa kwakapiwa neChristian Science practitioner.
- Mutengo wekutanga weCOBRA wehutano hwehutano hwako, inshuwarano yehutano yehutano, kana hutano hwehutano hwehutano hwako.
- Mutengo wacho ndewekuchengetedza kwenguva yakareba inshuwarisi (zvichienderana nemiganhu.)
- Iko yepuraimari ndeyekushuwarenzi yehutano apo uri kugamuchira hurumende kusagadzikana kwemabasa.
- Kana uine makore makumi matanhatu nemashanu kana apfuura, mubayiro weMedare Inonzi A, B, uye D, kana Medicare Advantage. Zvisinei, Medicare inowedzera inshuwalisi (Medigap) haisi mari yakakodzera.
Kunyange zvazvo HSA yako iine yega yega yega, iwe ungashandisa iyo kubhadhara mari yakakodzera yekurapa yewakaroorana naye uye nevateresi vako, zvakare.
Mune zvimwe zviitiko, iwe unogona kutora kusabhadhara mutero kubva paHSA yako kuti ubhadhe mari yemisimamiro yehutano yehutano. Zvisinei, mitemo yakasimba uye inongobvumirwa chete mumamiriro anotevera:
Ndezvipi Zvimwe Zvandinoda Kuziva?
Iwe uchada kuisa imwe fomu yemutero, fomu 8889 , chero gore iwe iwe, wako waunoshandira, kana mumwewo munhu unobatsira kuHSA yako. Kunyange kana pasina munhu akazvipira kuHSA yako, unofanira kuisa fomu 8889 kana iwe ukabvisa mari kubva kuHSA yako.
Bhengi kana kukweretesa kwaunoshandisa seHSA kuchengetedza zvichakutumira mafomu maviri emitero gore rega rega. Fomu 5498-SA icharatidza zvipo zvako zveHSA zvegore. Fomu 1099-SA icharatidza kusununguka kubva kuHSA yako kwegore (kana wakanga uine chero).
Iwe uchada kuchengetedza zvinyorwa zvakawandisa zvauri kushandisa chero hupi hweHSA huchibvisa pazvikwereti zvakakodzera zvekurapa. Kana IRS ichiongorora kudzoka kwako, iwe unogona kubudisa zvinhu zvakadai sechiremba zvezvikwereti, hutano inshuwarano tsanangudzo yezvikomborero mafomu, uye mapeji ezvinhu zvakadai sekubatanidza lens solution uye Band-Aids.
Kufunga nezvekutamba mitambo yekutamba muHDHP kwemwedzi mishomanana kuitira kuti iwe upe mari yegore rose risina mutero mune imwe HSA, kungoita kuti udzoke kunze kweHDHP mwedzi mishomanana gare gare? Usanetseka. I IRS ine nguva yekuedza inotangira kubva muna December wegore iwe wakatora kuderedzwa kuburikidza negore rose rinotevera. Kana iwe usingaregi kuparidzirwa neurongwa hwehutano hwakakosha huripo panguva yose yekuedzwa, iwe ucharasikirwa nekutengesa mutero uye unogona kuzviisa pasi pechirango. Zvisinei, kana uchigadzirira pakuchengetedza huwandu hweHDHP, haufaniri kunetseka pamusoro penguva yekuedzwa.
Saka kana iwe wakanyoresa chirongwa cheHSA-chimiro muna December 2017 uye iwe uchizoenderera mberi kuva neHSA-chirongwa chakanaka mukati rose muna 2018, unobvumirwa kuita zvizere zvizere zve 2017 uye 2018 kune HSA yako. Asi kana iwe ukagumisa kubhadhara kwako kweHDHP pakati pemakore muna 2018, unofanira kuwedzera mari yawakapa muHSA yako kwemwedzi 11 yekutanga ye 2017 kusvika pamutengo wako we 2018, uye pamwe nemamwe 10 muzana mutero.
Republican Health Care Reform uye HSAs
Vatongi veRipublican uye Hurumende yeTrump vakanga vachida kubvisa uye kuchinja ACA muna 2017, kunyange zvazvo izvozvo hazvina kuitika. Nokuda kwenguva iyo, chikamu choga cheAACA chave chakabviswa ndicho chirango chemunhu mumwe nomumwe, uye icho chinodzokorora hachina kutora kusvikira 2019 .
Asi vazhinji veRepublican ACA vatsigiri vekutsvaga zvinoda kuti kuwedzerwa kusimbiswa kweHSAs, kusanganisira mitemo yakakwirira yezvipo, kusunungurwa kwezvakakodzera mitemo maererano neanogona kupa michero, uye mitero yekodzero yekubatsira vanhu kubhadhara HSAs. Hapana chakachinja pamusoro peHSA mitemo yezvino, asi iyo ndiyo mhinduro dzinogona kutaridzirwa mune ramangwana.
Sources:
HealthCare.gov Verengai Mutengo Wakanaka Wechirongwa.
Internal Revenue Service. Internal Revenue Bulletin 2018-10 . March 5, 2018.
IRS Mabhuku 969 uye 502.
26 US Code Code 223. http://www.law.cornell.edu/uscode/text/26/223
> Department of the Treasury Resource Center FAQs. http://www.treasury.gov/resource-center/faqs/taxes/pages/health-savings-accounts.aspx