Nzira dzeHSA dzakanaka kupfuura FSA

A Health Account Account Inotora Flexible Kupedza Kugadzirisa mu Long Run

Kufungisisa kuti chii chinonyatsofamba, kuisa mari kuAalth Savings Account kana kuisa muChirongwa chekushandiswa kweFlexible? Kunyangwe iwe unogona kukamanikidzwa kusarudza imwe pamusoro pemumwe nekuda kwemitemo yekufanirwa, kana iwe uine sarudzo, HSA inopa zvikomborero zvakawanda pane FSA. Hezvino zvikonzero zvitanhatu zvezvikonzero zvikuru HSA iri nani kune FSA.

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Iwe Wako Wako HSA. Muranda Wenyu Anopa FSA Yako.

Zvaunenge uchida kushandisa Purogiramu yako ndeyechokwadi inowanikwa newaunoshandira, kwete newe. Paunopa mari kune FSA yako, uri kuisa mari mune imwe nhauri yausina. Ichokwadi kuti mushandi wako anoshandisa mari yacho kuti atore mari yako yekunze yezvemari. Zvisinei, panewo mukana unogona kurasikirwa nemari muFSA yako.

Kana iwe uchisiya basa rako uye mune mari muFSA yako, iyo mari-mari yakabva pamitero yako-inotorerwa kumushandi wako. Dzidza zvakawanda nezveizvi " Chii Chinoitika kuFSA Yangu Kana Ndichisiya Basa Rangu? "

Iwe unogona kunyange kurasikirwa nemari muFSA yako kana iwe usingarasikirwi nebasa rako. Pakupera kwegore rimwe nerimwe, mari isina mari yakasara muFSA yako inotorerwa kumushandi wako. Kunyange zvazvo wako mukana ane sarudzo yekukwira kusvika kumadhora mazana mashanu ari muFSA yako kune FSA yako inotevera, hazvisungirwi kuita kudaro. Kana uine mari inodarika $ 500 yakasara kumagumo egore, iyo yakawandisa inofanira kuparadzwa.

Kusiyana neizvi, sezvo iwe uri neHSA yako , hauzotoreri mari mairi. Zvose zvako. Iwe unofambisa. Unosarudza kuti yakashandiswa sei. Iwe unodana shots. Mari yacho inongopfuurira kubva kune rimwe gore kuenda kune inotevera, uye kana iwe usingadi kuishandisa kune mari yekurapa, inongoramba ichiwedzera.

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Iwe Unogona Kuisa Mari MuHSA Yako, asi Hasi Yako FSA.

Kana ukaisa mari muFSA, mari yacho inogara imomo usingamboiti chinhu kusvikira iwe uchichishandisa pairi kunze kwemari yezvokurapa mari kana kurasikirwa nayo.

Paunoisa mari muHSA, iwe unogona kuisa mari iyo. Kufarira uye kubhadharwa kubva pamari yako yekutengesa kukura mitero yakaderedzwa sezvinoita mu 401 (k) kana IRA.

Kana iwe ukabvisa mari uye ukashandisa mari yemari yekurapa yakakodzera, iwe haubhadhara mutero wemari pairi. Zvakaoma kurova mari yekutsvaga iyo inobhadhara mutero-iyo inoshandiswa kana mari inopinda, inokura mutero-yakatambiswa, uye haina mutero kana isina kubhadhara (kana ukabvisa chimwe chinhu kunze kwemari yemari, unofanira kubhadhara mutero pairi, pamwe nechirango kana iwe ukaita kubvisa usati wava nemakore 65).

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Iwe Unogona Kuva neHSA Kunyange Usina Basa.

Yako FSA inobatanidzwa nebasa rako. Iwe haugoni kutanga FSA iwe pachako. FSAs chikamu cherongwa hwebasa rebashandi.

HSA yako haisi iyo yakabatanidzwa nebasa rako. Iwe unogona kutanga HSA kunyange kana iwe usingashandi. Kunyange zvazvo vamwe vashandi vabatsira vashandi kuumba HSA uye vamwe vachipawo mari kuvashandi veHSAs, HSA pachayo haina kubatana nebasa racho. Kana iwe ukarasikirwa nebasa rako, HSA nemari yose mairi-kunyange mari yakapiwa nemushandirwi-ndeyako kuchengeta.

Rimwe caveat: kutanga kana kugovera kune HSA, unofanirwa kunge uine High Deductible Health Plan kana HDHP yakakodzera. Kana iwe usina HDHP, iwe haugone kugovera kune HSA. Kana iwe ukazarura HSA iwe paunenge une HDHP uye wobva warasikirwa neHDHP yako, unogona kuchengeta HSA yako nekuramba uchitora zvishoma. Zvisinei, iwe haugone kuita mimwe michero kune yako HSA kusvikira iwe wakavharwa pasi peHDHP zvakare.

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Unoshora Basa Rako Here? Iwe Unogona Kubhadhara COBRA NeHSA asi Kwete FSA.

COBRA kuenderera mberi kwemishonga yemishuwarenzi yehutano inotarisa sechikwereti chakakodzera chemari yeHSA yako. Kana iwe ukarasikirwa nebasa rako uye iwe uchisarudza kuchengeta basa rako-based health insurance plan kuburikidza neCOBRA, unogona kutora mari kubva kuHSA yako kuti ubhadhe mari yemwedzi miviri. Iwe haungabhadhara mitero yemari kana zvikwereti pane mari yakabviswa kubva kuHSA yako nekuda kweizvi.

Zvisinei, iwe haungashandise mari iri muFSA yako kuti ubhadhara mari yemishonga yemishuwarenzi yehutano, kunyange yeCOBRA.

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HSA Yenyu Ndeimwe Nzira Yokuchengetedza Pakurasikirwa.

An HSA inogona kushandiswa semotokari kuti iparadze mari yekuteresi yakakonzerwa nekutora mari, asi ichiri nemari inowanika pakarepo kana chiremba chinodiwa.

Kunyange zvazvo mari iyi inonyatsorongedzerwa kusingabhadharwi mari yezvemishonga, kana iwe ukasvitsa makore makumi matanhatu nemashanu, unogona kutora kubva kune HSA yako chero zvikonzero pasina kubhadhara chirango. Kana ukashandisa HSA mari yekubhadhara mari yepamutemo, haubhadhari mitero yemari paunotora mari. Kana iwe ukabvisa mari yekusaripa mari mushure mekunge wava nemakore makumi matanhatu nemashanu, iwe uchabhadhara mitero yemari pamari, asi hapana zvikwereti.

Kana ukangosvitsa makore makumi matanhatu nemashanu, unogona kushandisa HSA yako kuti ubhadhara mapeamamiro aMedare, asi iwe haugoni kubhadhara Medicare kuwedzera kuwedzerwa kwakafanana neMedigap neHSA mari.

Kusiyana neIRA, pane (kure nekudaro) hapana chikonzero chokuti iwe utore kushandiswa kwega kwegore kubva kuHSA yako. Iwe unogona kusiya mari iri imomo, kuwedzera mutero wakatambiswa, chero bedzi iwe uchida. Uye hongu, inogona kuenda kune wako wakagadzirirwa kubatsirwa paunofa.

_Sources:

• _{Dhipatimendi reU.S of the Treasury Resource Center FAQs. http://www.treasury.gov/resource-center/faqs/taxes/pages/health-savings-accounts.aspx Yakasvikwa musi waAugust 20, 2014.}
• _{IRS Publication 969.}
• _{26 US Code Code 223. http://www.law.cornell.edu/uscode/text/26/223 Yakagadzirirwa musi waAugust 20, 2014.}

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Mipiro Yezvipo Ndeyepamusoro yeHSAs

Muna 2018, kana iwe uine huwandu hweHDHP iwe pachako, unogona kuwedzera kusvika ku $ 3 450 kusvika kune HSA, pamwe nemamwe $ 1 000 kana uri 55 kana kupfuura (mupiro unogona kubva kwauri kana mushandi wako, kana kusanganiswa kwezvose) . Kana uine hutano hwemhuri pasi peHDHP, unogona kuwedzera kusvika ku $ 6 900 kuenda kune HSA muna 2018.

NeFSA, zvisinei, muganhu wekupera mu 2018 ndiwo $ 2,650 (pasinei nokuti mushandi ane utano hwehutano hwehutano hwehutano kana humwe huwandu hwekugovera).

Mipiro yose yeFSA neHSA inoderedza mararamiro ako akaenzana, asi zvipo zveHSA zvinogona kukonzera AGI yako kupfuura zvipo zveFSA.

> Sources:

> Internal Revenue Service. Revenue Procedure 2017-37 .

> Internal Revenue Service. Revenue Procedure 2017-58 .