Nzira dzezveMari dzeNhepfenyuro Yaunenge Usingakwanisi Kutarisa Deductible Yakakwirira
Hazvisi zvisizvo kuva nechinetso kubhadhara utano hwako hwehutano deductible -zvimwe zvinokwaniswa ndezvi mazana kana kunyange zviuru zvemadhora. Uye kana iwe usina mari yakawanda yekuchengetedza, inogona kunzwa sokuti iwe wakabviswa zvakanyanya.
Zvisarudzo zvako zvekutarisana nemutengo zvinodaro kana iwe une chikwereti chako chaicho ikozvino kana kuti uri kugadzirira mberi.
Kana uri kutarisa kune ramangwana uye uchiziva iwe uchafanira kuuya nechinhu ichi chekushanduka pakupedzisira, apa pane zvimwe zvingasarudzwa kuti uite basa rako rakabviswa mubhadharo yako.
Flexible Spending Account (FSA)
Kana uine basa-based health inshuwarisi, unogona kukwanisa kubatanidzwa mune imwe shanduro yekushandisa mari . An FSA inokosha yekodha-yakakosha akhawunti yekusungirwa inogona kungoshandiswa chete pamari yekutarisira utano, sekubhadhara yako zvakakodzwa , zvinyorwa , uye coinsurance .
Chinoshanda sei? Isa chikwangwani cheFSA yako panguva yekunyorwa kwakasununguka apo iwe unyoresa inshuwarhu yehutano. Vashandi vako vanozozotora mari shomanana yekutora mari musati yatora kubva kune imwe neimwe yekubhadhara kwako ndokuiisa muFSA yako. Kana iwe uchida kubhadhara yako deductible, unogona kushandisa mari muFSA yako.
Zviri nyore kubhadhara mari yako yakashandiswa uchishandisa FSA nokuti, panzvimbo pokuuya nemari yakawanda kubva kune imwe mubhadharo, iwe uri kuputsa mutoro wezvemari mumari shoma shoma yakapararira pamusoro pegore rese.
Uyezve, mari yaunoisa muFSA yako inobva mubhadharo yako isati yasvika. Izvi zvinokonzera kuti mubhadhare mari yenyu shoma-iwe unobhadhara mutero mushoma wemari. Nemhaka yokuti iwe uchange uine mashoma emitero inotorwa kubva pane imwe mubhadharo, zvipo zvako zveFSA hazvizobatsiri iwe kubhadhara kumusha kwako zvakadai sokuti, kuisa mari yakafanana iyo mumabhuku ekuchengetedza nguva dzose.
Somuenzaniso, zvichida unoisa $ 40 pamari yekubhadhara muFSA yako uye iyo inoderedza mutero wako wemari ne $ 8. Mari yako yekutora kumusha ichava $ 32 pasi pepfuura, kunyange iwe uri squirreling kure $ 40. (Nhamba yako chaiyo inotarisana nebhasi yako yemutero.)
Chii chinoitika kana chiri kutanga kwegore uye iwe usina kuchengetedza zvakakwana muFSA yako kuti usangane nehurukuro yako ikozvino? Vakawanda veFSA vachaverenga kuti muchaenda sei mukati mazvo gore rose uye muchibvumira kushandisa mari iyo kubhadhara kwako, kunyange isati yakatorwa kubva pamari yako. Iko kune zvimwe zvipfeko, kunyange zvakadaro:
- Kana iwe usingashandisi mari yose muFSA yako pakupera kwegore, unogona kurasikirwa nayo. Iwe unobvumirwa kuburitsa $ 500 muFSA gore rinouya, asi iwe unorasikirwa chero mari inopfuura $ 500 yakasara muFSA pakupera kwegore.
- Hurumende yehurumende inogadzirisa mari yakawanda inobvumirwa kuisa muFSA gore rega rega. Saka, kana yako yakabviswa inopfuura madhora 2 500, FSA yako inongotarisa chikamu chayo.
Health Savings Account (HSA)
An HSA idaiti yakachengetedzeka yakachengetedza iyo inoshanda nemarongwa ehutano hwakakosha. Iwe unoisa mari muHSA yako uye uishandise kune mari yezvechiremba, sekuderedza kwako. Mari yaunopa kuHSA yako inotengesa-mutero uye mari inowanikwa inobhadharwa kubva kumitero yehurumende.
Kana iwe usingashandisi mari yako yeHSA pakupera kwegore, kwete sweat. Inogara muHSA yako, kubhadhara mutero usingabhadhara mutero kusvikira iwe uchiushandisa. Iwe haungarasikirwi nayo pakupera kwegore semari muFSA.
Ichokwadi, kana iwe uine hutano uye usagumisa kushandisa mari yose yaunopa kuHSA yako gore roga roga, zvinokwanisika kukura zvakakwana mari yakawanda yemutero-yakakosha kuchengetwa. Vamwe vanhu vanofunga kunyange HSA yavo seimwe kambani yekurega basa.
Vashandi vako vanogona kupawo mari yekutengesa mari muHSA yako, kunyange zvazvo vasiri vashandi vose vanoita kudaro. Kusiyana neFSA, HSA yako haifaniri kunge yakabatanidzwa nemabasa-based health health insurance.
Iwe unogona kuzviisa iwe pachako chero bedzi iwe une chirongwa chepamusoro-deductible chirongwa (HDHP) yakakodzera.
Kuti uwane HSA yako uye inokurumidza kukurumidza, iwe unogona kutumira mari kubva kuIRA yako (rimwe rega rekurega mari) kuHSA yako imwe nguva pasina chero chirango kana iwe ukatevera zvose zveInternal Revenue Services (IRS) inonyatsoteerera. Zvakare, pane zvivako:
- Iwe unofanirwa kuva nechirongwa chepamusoro-deductible chirongwa chehutano chokuzarura HSA. Kwete hurongwa hwehutano hwehupenyu nehumwe hunofanirwa nehuwandu hwekudzikinura hukuru hunowanikwa HDHP. Kana iwe usina chokwadi chokuti utano hwako hutano ndeHDHP, taura nehutano hwehutano kana dhipatimendi rako rebasa rinobatsira kutarisa usati watanga HSA.
- Kana iwe ukashandisa mari iyi muHSA yako pane chimwe chinhu kunze kwekushandisa mari yekurapa yakakodzera, iwe uchasangana nemitengo yemitero.
- Pane mitsara yekuti mari yaunokwanisa kuisa mune HSA mune gore ripi neripi, asi hapana mhedziso kune iyo yakawanda inogona kuwedzera mairi kupfuura nguva.
Chirongwa chekubhadharwa kwehutano (HRA)
HRA urongwa huri pakati pako nemushandirwi wako unobvumira waunoshandira kubhadhara iwe nekuda kwemari yako yezvokurapa, kusanganisira yako yakabviswa. Izvo zvakafanana neHSA kunze kwekuti iwe chete iwe waunoshandira angakwanisa kupa mari kune iyo-iwe haugone kuzvibhadhara iwe pachako.
Kubvira sezvo waunoshandira akaripa iyo kambani, haisi mari yako, semari iri muHSA. Kana iwe ukarega basa rako, iwe unogona kana kuti usakwanisa kuenda kuchengetedza akaunti-zvichienderana nekushandiswa kwawakashandira yako HRA. Mari yakasara muakaunti kazhinji rollover kune gore rakatevera, asi iyo inosvika kumushandi wako.
Mari-Kugoverana Rubatsiro
Iko Inogadziriswa Care Act yakagadzira rubatsiro rwekubatsira vanhu vane mari shoma inobhadhara inshuwarisi yavo yehutano inogadziriswa, mapepa, uye coinsurance. Iko kune mazano ekuwana mari kuti uwane uye unofanirwa kuva ne -silver-tier yehutano inshuwarano hurongwa hwawatenga kubva kunehutano hwehutano hwehutano .
Kana iwe uchikwanisa kubhadhara mari yekubhadhara mari , iwe unenge wava kuda kukwanisawo kubhadharwa mari yepamutengo yakagadzirirwa kukubatsira kubhadhara mari yemishonga yemishonga yemishonga yehutano yepamwedzi. Iwe unogona kushandisa mari yaunoponesa mubhadharo yepamusoro yekuisa kune yako deductible.
Usazvidza urongwa hwekubhadhara nekuda kwekuti urongwa hwako huri hutano hwuri sirivha-tier exchange-based plan. Kana iwe uchifunga kuti iwe unogona kukodzera, dzidza pamusoro payo zvino kuitira kuti iwe ugone kusarudza chirongwa chakakodzera panguva yechipiri chekunyora-kutora nguva. Hazvizokubatsiri gore rino, asi gore rakatevera haufaniri kunetseka.
Budget yeEnger Savings
Kana iwe wakarangwa, iwe unogona kukwikwidza chikwereti chakaiswa chehomwe imwe neimwe kuti uise kune yako deductible. Nepo iwe usingakwanisi kuwana chero hupiko hwemitero yakadai sekuda iwe neFSA kana HSA, haugoni kudziviswa nemitemo yakawanda ye IRS nezvekuti iwe unogona sei kuchengetedza uye chii chaunofanira kushandisa mari yacho.
Zvinogona kunge zviri nyore kuvaka chikwata chekukurumidzira kubhadhara mari yako yakagadzirirwa kana iwe uchifunga nezvayo sekubhadhara chikwereti nguva isati yasvika panzvimbo yekuuya nayo sekuponesa . Kakawanda, mikana yokuti iwe ucharwara yakakwirira uye iwe uchafanira kubhadhara yako deductible mushure mekutsvaga kurapwa. Bhiri iro richapedzisira rauya. Zvichengetere iwe pachako.
Isa gwaro rakakosha kubata mari yako yakabhadhara. Mwedzi woga woga kana iwe uchibhadhara renti yako, zvishandiso, motokari yveshuwarisi, uye zvimwe zvikwereti, uise mari muhutano hwehutano inowanikwa mari, zvakare. Kana iwe uine bhangi yako urikuendesa kamwe chete kubva kuongororo yako yekuongorora mumari yekuchengetedza kana yemari yemakethe, iwe unogona kunge uchida kuzviita nguva dzose.