Shandisa FSA Zvesheni yako Usati Wasiya Basa Rako
Une mari yekushandura yakashandura iyo inokubhadhara iwe yezvipatara mari yako sehutano inshuwarisi deductible , copays , uye coinsurance ? Iwe uri kuda kubviswa, siya basa rako, kana kuti kurega basa? Kuziva zvichaitika kuFlexible Spending Account yako apo iwe ucharasikirwa nebasa rako richakubatsira kuita sarudzo dzakanaka.
Your Flexible Spending Account Inobatanidza Nebasa Rako
Unyanzvi hwako hwokushandisa FSA yako hunobatanidzwa nebasa rako.
Zvisinei, kana iwe uchikodzera kuenderera mberi kweCOBRA kugoverwa kweFSA yako, unogona kukwanisa kushandisa FSA yako kunyange mushure mekurasika kana kusiya basa rako.
Kana kuwedzera kweCOBRA yeFSA yako iripo, zvakakosha kuyeuka kuti wako wekare mushandirwi haazofananidza zvipo zveFSA panzvimbo yako, kunyange dai vakaita saizvozvo pawakashanda. Pane kudaro, iwe uchange uchiita zvipo izvi nemutero wemutero, pamwe ne 2 muzana mari yekufambisa.
Saka hapana huripo huripo huripo hunoshandiswa pakusarudza COBRA kune FSA, kunze kwekugona kukwanisa kubhadhara mari yemari yakasara muFSA apo kurasikirwa kwebasa kwakaitika.
Chii Chinoitika Kumari iri muFSA Yangu Apo Jobho Angopera?
Mari yakasara isina kushandiswa muFSA yako inoenda kumushandi wako mushure mekunge iwe urega kana kurasikirwa nebasa rako kunze kwekuti iwe uchikodzera uye ukasarudza kuenderera mberi kweCOBRA kugoverwa kweFSA yako.
Kunyange kana iwe uchikwanisa kuramba uri FSA neCOBRA, mari yako yeFSA haigone kushandiswa kubhadhara mari yemwedzi yemainishuwarensi yehutano yemishonga yehutano , uye inogona kushandiswa pamishandirapamwe yehutano yehutano yeCOBRA yakadai seiyo inopiwa kuburikidza nehutano hwenyika imwe neimwe inshuwarise exchange.
Kana iwe usingakodzeri kupfuurira FSA yako kuburikidza neCOBRA, iwe unoda kuedza kushandisa mari yacho muFlexible Spending Account yako isati yapera basa rako kuti urege kurasikirwa nemari.
Nzira Yokushandisa Nayo Pamusoro Pako FSA Mari uye Kunyange Uchibuda Pamberi
Ngatiti uri kusiya basa rako muna March, uye iwe unoda kushandisa FSA yako.
Mashoko akanaka ndeokuti zvinogona kuitika kutora mari yakawanda kubva kune FSA yako pane iwe waiisa mairi. Sei? FSA yako ichabhadhara mari yakakodzera yezvokurapa kusvika pamari yawakazvipira kugovera kwegore rose, kunyange iwe usina kugovera zvakawanda zvakadaro.
Ngatiti iwe wakabvumirana kupa $ 2 000 pamusoro pegore. Pakavhuvhuta, iwe wakapa mari inenge $ 333 paunoputsa ruoko rwako. FSA yako ichakubhadhara iwe we $ 2,000 yose wawakapikira kupa gore iro, kunyange iwe wakangoshandisa $ 333 muzvipo zveFSA kusvika ikozvino.
Kana iwe iwe ukarega basa rako kana kuti ugoiswa pamusi waKuguru, haufaniri kubhadhara $ 1,667 kusiyana shure. Hazvirevi kunyange semari inotengesa mari.
Chii chinoitika ne $ 1,667 iwe waifanira kugovera asi hauna? Washandi wako anotora mari ye $ 1,667 yemari. Asi, usanzwa uine mhosva. Izvi zvinodhura mari inoshandiswa nemari isina kushandiswa yakarasikirwa kune yavanoshandisa kune vamwe vashandi pakupera kwegore (zvichienderana nemirairo yevashandi, kusvika ku $ 500 inogona kutakurwa kusvika kune gore rakatevera muFSA, kana mushandi wako anogona kubvumira vashandi imwezve mwedzi miviri nehafu mushure mekuguma kwegore kushandisa mari yakasara yeFSA-asi kunze kweiyo kunze kweiyo, FSA mari inosara mubhuku iyo inoparadzwa gore negore).
Kana iwe usiri kurwara, hapana matambudziko. Kune nzira dzakasiyana-siyana dzokushandisa yako FSA mari nokukurumidza. Heano mamwe maitiro:
- Tsvaga-kana kuti akaverengeka . Iva nechokwadi chokuti iwe unofambidzana nesangano rako regore negore, uye tarisa kune vamwe vanachiremba vanotarisira chero kurapwa kwauri kugamuchira. Pasi peAACA, hapana mari yekuita zvakasiyana-siyana zvekuchengetedza (chero bedzi chirongwa chako chisina kuberekwa), asi kune mamwe mabasa anokwanisa kupiwa panguva yekushanyirwa zvakanaka izvo zvichaita kuti zvipomerwe.
- Tenga magirazi matsva. Iye zvino inguva yakakura yekuti maziso ako aongorore uye kuti uzvitengese sezvikwata zviviri zvegirazi (kana kuti vatauri) sezvaunofunga kuti iwe uchazoda kwenguva yemberi. Uye usakanganwa magirazi emasikati! Chero bedzi magirazi egorosi anosanganisira maonero ekururamisa mavara, iwe unogona kushandisa FSA mari kuti uvatenge.
- Restock your care cabinet . Zvizhinji zvezvinhu zvinotengeswa pane mashefuti munzvimbo yako yekushandisa zvinodhaka zvinogona kutengwa neFSA mari. Asi pane mitemo yaunoda kunzwisisa, uye haisi nguva dzose. Semuenzaniso, incontinence pads inogona kutengwa neFSA mari, uye saka zvinogona kuputira kupisa kuderedza misi-miviri-asi mishonga yakafanana nematamponi uye podhavha yemwedzi haigone. FSA Store ine chivako chekutsvakurudza uko iwe unogona kupinda mhando yemugove waunoda uye ichakuudza iwe kana iwe ungashandisa FSA mari kuti uutenge. Kune zvakawanda zvakasiyana-siyana zveFSA-zvakakodzera zvinodhaka izvo isu tose tinoshandisa nguva dzose, uye izvo zvinogona kuchengetwa kana iwe uchida kushandisa FSA mari. Zvinhu zvakadai semabhanhire, thermometers, shangu dzinoiswa, makondomu, kuongororwa kwepamuviri, uye sunscreen yose inogona kutengwa nemari iri kugara muFSA yako-zvechokwadi nzira yakanakisisa pane kungorasikirwa nemari.
- Wana chiremba chemishonga inopfuura-the-counter uye udzoke zvakare . Pamusoro pemishonga inopikisa inogona kuwanikwa chete neFSA mari kana iwe une mishonga yavari (insulin inopesana nemutemo uyu). Asi kana chiremba wako akakunyorera mishonga yemadhora eOTC, unogona kuvatenga neFSA mari. Saka funga kukurukura izvi nechiremba wako kana iwe uchiziva kuti uchada zvimwe hutachiona uye iwe une mari muFSA yako inoda kushandiswa musati wasiya basa rako.
- Bata iwe pachako kuchirapa hwepfungwa . Vanhu vanowanzozviwana vachida kuona chiremba wehutano hwepfungwa, asi vasingakwanisi kuwana iyo inogamuchira inshuwarhu yehutano hwavo. Asi iwe unogona kushandisa FSA mari kubhadhara kutarisira utano hwepfungwa. Saka kana wakanga uchida kuona chiremba uye une mari yekupisa muFSA yako, unogona kushandisa FSA yako mari yekubhadhara mushonga.
- Wana chero marapirwo ekusarudza . Waive uchifunga chero rudzi rwekuvhiya kana imwe kurapwa asi uchiiisa pane imwe nguva yakajeka here? Iye zvino ndiyo nguva! Zvichienderana neurongwa hwako, unogona kushandisa mari iri muFSA yako kuti ubhadherere kurapwa kwemishonga zvakadai sekugadziriswa uye chiropractic.
FSAs isina kuchinjwa nemitero yebhasi uye Jobs Act
Muna December 2017, vatongi veRuban Republic vakapfuura HR1, vakanzi Mitemo yeMitero uye Jobs Act. Mutemo hauna kuita chero shanduko kumitemo ine chokuita neFSA. Imwe yekutanga yakanyorwa yeHome yeHur1 ingadai yakabvisa kuchengetedzwa kwevana FSAs, iyo inobvumira vashandi kuchengetedza kusvika ma $ 5,000 gore negore muFSA yakasarudzwa kuti iwane mari yekuchengeta vana. Asi Imba ichigadziriswa mutemo munaNovember 2017 kuitira kuti kuvimba kwevana vaFSA varege kubviswa.
Kutarisira kuchengetedza FSAs kwakasiyana nedzechiremba FSAs, asi zvose zviri zviviri zvakasununguka pasi peGOP rebhadharo rebhadha.
NeHSA, Unogona Kuitora Nawe Paunoenda
Kana wako mushandi achipa chirongwa cheHSA-chepamusoro chakakosha chekurapa (HDHP) uye iwe unyoresa mauri, iwe uchava nechisarudzo chekuisa mari mune rekuchengetedza kwehutano rekuchengetedza (HSA). An HSA inokubvumira kuchengetedza mari yemutero usati wabhadharira kubhadhara mari yekurapa, seFSA. Asi kubhadhara mutero weHSA kune simba rakanyanya kudarika iro reFSA .
Kune zvakawanda zvakasiyana pakati peFSAs neHSAs , pasinei nokuti iyo yose iyo nzira yekubhadhara mari yekubhadhara mari. Kana uine HSA uye iwe uchisiya basa rako, mari inoenda newe. Icho ichokwadi kunyange kana mari iri muHSA yako yakaiswa nemushandirwi wako panzvimbo yako (zvisingapesani nemari yako). Uye hapana "kushandisa kana kurasikirwa naro" kutonga neHSAs, saka kana iwe usina kutora kushandisa HSA yako mari yezvokurapa uye iwe (uye / kana wako wako) wave uchipa mari kune HSA kwemakore akawanda, iwe inogona kuva neshoko rakanaka rekuchengetedza muakaunti.
Paunobva mubasa rako, mari iyo yose ichiri yako. Kana ukashandura kune imwe HDHP (kana kuti chengetedza HDHP yako iripo neCOBRA), unogona kuramba uchiisa mari muHSA yako. Kana ukashandura kune hurongwa hutsva hwehutano hwehutano huri HDHP (somuenzaniso, zvichida mushandirwi wako anongopa chirongwa chehutano chisiri HSA-akakodzera), haugone kupa mari imwe kune HSA yako (kusvikira kana uye paunenge uine huwandu hweHDHP zvakare), asi iwe unogona kuramba uchibvisa mari kubva kuHSA kuti uvhare mari yako yekunze yezvemari pasi peurongwa hwako hutsva.
Saka kutora kuno ndechokuti kana iwe uine HSA, haufaniri kutsvaga kushandisa mari iri muakaunti apo uri kuronga kusiya basa rako-kana pakuguma kwegore rimwe nerimwe.
Uye imwe imwe nzvimbo iyo HSA inofambisa FSA ndeyokuti kana uine mari muHSA yako paunobva mubasa rako, unogona kushandisa HSA yako mari yekubhadhara miriyamisi yeCOBRA kana miriyamisi yehutano yehutano yakabhadhara paunenge uchiwana rubatsiro rwemabasa. FSA mari haigone kushandiswa kubhadhara chero rudzi rwemishonga yemishonga yemishuwarenzi yehutano, pasinei nemamiriro acho ezvinhu.
> Sources:
> Congress.gov. HR1 - Mutemo wekugadzirisa kuyananiswa maererano nemazita II uye V echisarudzo chakaenderana nehuwandu hwemari > gore ra20188 >. > Yakagadzirwa 12/22/2017.
> FSA Feds. Kutarisira kuchengetedza FSA.
> Internal Revenue Service, Gwaro ra2013-71 .
> Internal Revenue Service, Zita 2015-87 .
> Internal Revenue Service, Ronga ikozvino kushandisa Soutano Flexible Kupedza Zvirongwa muna 2018; Shingairira kusvika ku $ 2 650; $ 500 Carryover Option Inowanikwa kune Vakawanda. November 15, 2017.