Ukukhetha i-HSA ephezulu
Kukho amakhulu e-HSA ngaphandle apho, ukuqonda indlela yokufumana eyona nto ibhetele kwiimeko zakho zangoku kukubalulekileyo ekufumaneni okulungileyo. Zininzi izinto eziza kudlala, kubandakanywa amanqaku angundoqo asi-7 achazwe ngezantsi ngendlela onokuzijonga ngayo i-HSA engcono, okanye wenze ukhetho phakathi kwambalwa xa unenkathazo yokuthatha isigqibo.
Indlela Yokufumana I-Akhawunti Yokugcina Eyona Mpilo
Kukho imiba emininzi ekufuneka uyiqwalasele xa ukhetha i-HSA:
- Kulula kangakanani ukulawula nokufikelela kwi-akhawunti yakho yokugcina imali. Ingaba i-akhawunti iya kuninika ikhadi lokutsalwa kwemali?
- Indlela oyisebenzisa ngayo imali. Ngokucacileyo, le ngcamango kukusebenzisa imali kwi-akhawunti yokulondoloza impilo yakho kwiinkonzo zonyango / iindleko zonyango , kodwa imali okulindele ukuba uyisebenzise ngonyaka, kwaye iphethini yakho yokuchitha iya kubeka indlela ebalulekileyo ngayo ezinye zezi zinto.
- Izinketho zotyalo-mali: Unako ukutyalima ipesenti zemali yakho okanye isahlulo kuphela?
- Iimfuno zeBhalansi
- Imirhumo: Jonga iifizi zenyanga, iifizi zokumisela, iifizi zokuvala iakhawunti, kunye neentlawulo zenyanga zokugcina
- Umgangatho wenzala
- Ukufaneleka
Iingqwalasela ezibini ezibalulekileyo zokufumana iAgciwane eliPhezulu lokuThengisa impilo
Uluhlu olukhankanywe ngasentla lunikeza uluhlu olubalulekileyo lwezinto ofuna ukuzijonga ukuba ufuna i-HSA engcono, kodwa into ebaluleke kakhulu ukuba ukhonjiswe kwicala elifanelekileyo kukuqinisekisa:
- Ngaba uya kusebenzisa i-HSA yakho yokonga?
- Ngaba i-HSA yakho iya kuba yintloko yokuchitha?
Ukuthelekisa ababoneleli abaphezulu beHSA
Iinkampani ezifana ne-Morningstar zinika ingqiqo ebalulekileyo kwi-HSA yeyona ngxelo kwingxelo yonyaka. Siye sichaza i-akhawunti yabo ephezulu ye-akhawunti ye-HSA ngezansi. Ngenxa yokuba kukho ikhulu le-HSA ngaphandle apho ukuba likhethe, iinqununu zazo ze-HSA zikhethiweyo zisekelwe kuvavanyo lwe-10 abaphezulu be-HSA.
- Alliant Credit Union
- Bank of America
- BenefitWallet
- Abalawuli bezeMpilo
- YezeMpilo
- HSA Bank
- Optum Bank
- SelectAccount
- I-HSA Igunya
- IBBB
Ama-Akhawunti e-HSA amaHlomelo aphezulu
Ngokuqhelekileyo abantu abafuna i-HSA ezilungileyo zokuchitha imali baya kukhangela ukusebenzisa i-HSA njenge-akhawunti yebhanki rhoqo ukuhlawula iindleko zonyango. Ngoko ke, iirhafu zenzalo ezihlawulwa "kwi-savings" ayiyi kuba yinto eqhubayo ekufumaneni i-HSA engcono.
Kule meko, uya kufuna i-HSA ephantsi kweemali zenyanga ze-akhawunti , imisebenzi efana ne-akhawunti yokutshekisha kwaye ikuvumela ukuba usebenzise ikhadi lokukhangela ukuhlawula iibhilidi zakho zonyango.
Kwiimeko apho ulindele ukugcina ibhalansi ethile, ke i-akhawunti enikezela ukuhlawula imali xa ugcina ibhalansi encinci inokukusebenzela.
Ngokutsho kweNkcazo ye- Akhawunti ye-Akhawunti ye-Akhawunti ye- 2017 ye-Morningstar, ezi zilandelayo ziphezulu ze-HSA zokufumana i-akhawunti yokuhlola abachithisi kunye nabangenayo imali ye-akhawunti yenyanga .
- Alliant Credit Union
- I-HSA Igunya
- Khetha iAccount's FreeSaver tier
Xa "kungekho Nentshisekelo" HSA Ingqondo Efanelekileyo?
Ukukhetha i- HSA yokuchitha imali kodwa ukubeka ingqwalasela yakho kumdla kungakubiza imali eninzi. Ukuba i-HSA yakho ayiyi kuba nemilinganiselo ephakamileyo, ke umphumo werhafu yenzala iya kubalwa yimali yakho yenyanga kwaye inokubiza iindleko.
Umzekelo ukuba unayo i-$ 2,000 ebhankini, kwaye uhlawula i-$ 54 kwimirhumo ngonyaka ukwenzela i-akhawunti "nomdla" kodwa ukwenza i-$ 2 inzala kwimali yakho emva komnyaka, ngoko ulahlekelwe yi-$ 52 kule akhawunti, ngokuchasene akukho nzala, akukho ntlawulo ye-akhawunti, apho ubuncinane uza kufumana yonke imali yakho.
Ngaphambi kokukhetha i-akhawunti esekelwe kwimilinganiselo yenzalo, cela malunga neemeko ezifana nalezi.
I-Administrators Savings Health (i-$ 3.75 / ngenyanga ye-akhawunti yemali - ngaphandle kokuhlawulwa kwemali) kunye neBhanki yaseMerika (i-$ 4.50 / ngenyanga ye-akhawunti yemali- ngaphandle kokuhlawulwa kwemali) "yayingacetyiswa kubaphathi be-akhawunti abazimisele ukusebenzisa ii-HSA zabo nje ngokuchitha iinqwelo" ingxelo yeMinnerstar.
I-HSA ephezulu yokuSindisa kunye noTyalo-mali
I-HSA ephezulu ye-Savings njengoko ichazwe yi-Morningstar yi- Health Equity , yayiyeyona kuphela ye-akhawunti ye-HSA eyakhayo ngokufanelekileyo kuzo zonke iindawo: Imveliso yeMenyu, iMigangatho yoTyalo-mali, ixabiso, kunye nokuSebenza.
Ukusebenzisa i-criteria efanayo kwi-akhawunti ephezulu ye-HSA, ukubeka amanqaku emihle kwi-3 kwiindidi ezi-4, ngaba:
- Bank of America
- I-HSA Igunya
- Optum Bank
Ukuthelekisa olu luhlu kuluhlu lwe-HSA lokugcina imali lubonisa indlela oceba ngayo ukusebenzisa iinguqu zakho ze-akhawunti apho i-HSA iyona nto ingcono kuwe.
I-HSA isetyenziselwa utyalo-mali kunye nokulondolozwa kukunika unyulo lokutshala. Abanye abantu banokucinga ukuba lowo unako ukhetho olungcono kakhulu, nangona kunjalo, ukhetho oluninzi lunokudideka, kubalulekile ukuba uhlolisise ngokwakho ukuba kulula kangakanani ukhetho lwemenyu malunga notyalo-mali luya kukuqonda nokuhamba.
Indlela efanelekileyo ye-HSA iya kunciphisa ixabiso leDola yakho
Ii-HSA xa zisetyenziswe njengoko zicwangcisiweyo, zinikela ngeenzuzo ezingaphezulu kweerhafu, ii- IRA zengqesho , iRoth IRA okanye i-529. I-HSA enhle iya kukunika amandla okuchitha imali kwi dollar yakho. I-HSA ikunika ithuba lokufaka imali, ukugcina nokuchitha imali yerhafu, eyandisa amandla okuthenga edoli yakho. Xa ungena kwi- HSA yakho yokutyalomali kunye nokulondolozwa , unokufumana ithuba lokukhulisa iholo lakho lokugcina irhafu.