Iiplani ezininzi zobhedu nezesilivere ezithengiweyo xa kuthengiselana nazo zifanelekile zeHSA.
Ukunciphisa Iimali Ngoku kwaye Ukwakha Ukugcinwa Kwemali Yokuhlawula Impilo Ngoku okanye kamva
Iingxelo zokulondolozwa kwempilo zinika ukhuseleko oluninzi olufunekayo ekuncedeni ukuhlawula iindleko ezichaphazelekayo zempilo zangoku nezizayo. Ii-HSA zinokukunceda ngokunciphisa irhafu yakho yentlawulo. Unokwenza igalelo ukuya kuma-3,350 kwi-coverage ngamnye uze ufike kwi-$ 6,650 yokufumana intsapho ka-2015. Ukuba uneminyaka engama-55 okanye ngaphezulu, kunemali eyongezelelweyo yokubamba i-$ 1,000 ukuya kwi- Medicare eligunyazisiweyo kwi-65. Ukuba wena kunye lakho nomlingani unama-55 okanye ngaphezulu kwaye angabhalisi kwi-Medicare, unako ukwenza zombini igalelo lokubamba. Nangona kunjalo, iminikelo yokubambisana emibini kufuneka yenziwe kwi-HSA nganye.
Unokulinganisela ukugcina imali yentlawulo evela kwigalelo kwi-akhawunti yokulondoloza impilo usebenzisa le calculator okanye i-TaxCaster kwiTurboTax.
Unayo Kuze uMhla wokuLawulwa kweRhafu ube negalelo kwi-HSA yakho Ukuba awuzange usuke u-Max usuka ngaphandle kwiNkxaso yakho yoNyaka weRhafu.
Uninzi lwabathathi-nxaxheba be-HSA bakhetha ukulula kunye nokulula kokuncitshiswa kolawulo.
Uninzi lwabantu aluqapheli ukukwazi ukunikela ngokuthe ngqo kwi-HSA ngaphandle komsebenzi. Unokufaka isandla ngokuthe ngqo kwi-HSA ngokubhala nje isheke okanye ukumisa ngokuzenzekelayo ukudluliselwa kwi-akhawunti yakho yasebhanki. Unako ukhetha ukhethe i-bank ye-HSA eyahlukileyo. Khawukhumbule nje xa uqikelela ukuba ungayongeza kangakanani kwi-HSA yakho ukubandakanya iminikelo eyenziwa ngumqeshi wakho ngo-2015 kunye negalelo lakho lonyaka werhafu ka-2015.
Igalelo leHsa liNciphisa iNgeniso yakho ehlawulwayo
Igalelo kwi-akhawunti yokulondoloza impilo ibhekwe "ngentla komgca". Ngenxa yoko, oku kunokunceda ukunciphisa umvuzo wakho osemthethweni (AGI) kwaye unokukunceda ukuba ufanelekele ezinye iirhafu kunye namakhredithi axhomekeke kwi-AGI yakho. Enye inzuzo eyongeziweyo kukuba akudingeki ukuba uthathe ixabiso lokubanjiswa kwerhafu ekubuyiselweni kwentlawulo ye-HSA.
Iingxelo zokulondolozwa kwempilo zibonelela ngokukhutshwa kwentela kathathu. Iminikelo yakho ye-HSA iya kunciphisa imali engenayo yerhafu yakho namhlanje, ukukhulisa i-tax-backerred, kwaye iyakhutshwa yerhafu ngaphandle kokuba uyisebenzise iindleko ezihambelana nempilo. Ukukhathazeka okukhulayo malunga nokunyuka kweendleko zonyango kwenza i-HSA ibaluleke kakhulu kwisixhobo sokucwangcisa imali xa kugcinwa ukunakekelwa kwempilo kwindleko ngoku kunye nangomhla womhlalaphantsi.
Akhawunti ze-Savings Health "Musa ukuyisebenzisa okanye uyilahle" Ukubonelelwa
Oku kuyahluke kakhulu kwi-akhawunti yokuchithwa kwemali (FSAs) ehambisa kuphela i-carryover yeefa ezincinci ukusuka kunyaka omnye ukuya kwenye. Ngenxa yoko, unokukhetha ukushiya imali ye-HSA kwi-akhawunti yakho ngokukhawuleza. Iingxelo zokulondolozwa kwempilo zinokubonelela ngeendlela ezahlukeneyo zokutshala imali ukuze uncede imali yakho ikhule.
Ikhono lokuvumela iimali zakho ze-HSA zikhule kwi-akhawunti echazwe ngerhafu inikeza indlela efanelekileyo yokuncedisa ukugcina imali yakho yomhlalaphantsi.
Ngokungafani negalelo le-IRA elidityanisiweyo , ii-akhawunti zokulondoloza impilo ayinako ukunciphisa imali. Imfuno ephambili yokufaka isandla kwi-HSA kukuba kufuneka ufunyenwe isicwangciso se-inshurensi yezempilo ephezulu-nkunkuma kunye ne-akhawunti yokulondoloza impilo enxulumene nayo ngexesha lonyaka werhafu ka-2015. Nangona kunjalo, kubalulekile ukukhumbula ukuba imirhumo ye-HSA kufuneka yenziwe ngethuba lokugqibela lokufakela irhafu (ngo-Apreli 18. 2016) nangona uhambisa isongezelelo.
Ukuba i-HSA ingasetyenziselwa iindleko zonyango ezifanelekileyo, kuya kufuneka uhlawule irhafu yentlawulo epheleleyo kwi-distribution kunye nesigwebo se-20% xa uthathwa ngaphambi kweminyaka yobudala engama-65. Enye indlela yokujonga le nto ingathi i-HSA yerhafu- i-401 (k) kunye ne-penalty yokuhoxiswa kwangaphambili kwe-20% ukuya kutsho iminyaka engama-65 ngaphandle kwebhonasi eyongeziweyo yerhafu ngaphandle kokuba imali isetyenziselwe iindleko zonyango ezifanelekileyo.
Ukuba unethamsanqa ngokwaneleyo ukuba ube nempilo enhle kunye neendleko zonyango ezantsi, kufuneka umele ude uneminyaka engama-65 ukuze ugweme ukuhlawulwa kwangaphambili.
Abaninzi abacwangcisi bemali batusa ukuba bafumane inzuzo ngokupheleleyo kwi-HSA iminikelo emva kokwakha i-fund yakho yengxamiseko kwaye ufumane umdlalo kwisicwangciso somqeshi wakho. I-HSA yimihlobo kuphela ye-akhawunti enika zombini inzuzo yentlawulo yangaphambili irhafu. Ikwabonelela ngeemali zokuncedisa ukuhlawula iindleko zonyango ezisoloko zixhalabisa kakhulu xa ufikelela kumhlalaphantsi. Enyanisweni, ngokuqhelekileyo kucetyiswa ukuba uhlawule izindleko zempilo ngaphandle kwe-pocket xa kunokwenzeka ukuvumela imali yakho ye-HSA iqhubeke nokukhula ngaphandle kwentlawulo yomhlalaphantsi .