I-HSA neFSA: Yintoni eyahlukileyo, kunye nento engcono?

Ukugcinwa kweRhafu, iMida yeeNkxaso kunye nezinto zokumazi malunga ne-HSA ne-FSAs

Ngokuxhomekeke kwinjongo ye- inshorensi yezempilo , unokufumana ilungelo le-HSA okanye i-FSA. Ukusebenzisa ezi ntlobo zeakhawunti okanye izicwangciso kunokukunceda ugcine imali kwaye ulungiselele iindleko zonyango eziza kunyaka.

I-HSA kunye ne-FSA zineemfundo ezahlukeneyo kunye neenzuzo kwiimeko ezahlukeneyo. Nantsi imbonakalo yonke into oyifunayo ukwazi ukukunceda uqonde izinto ezisisiseko kwaye ukhethe icebo elihle .

Iyiphi iAkhawunti yokuGcina impilo (HSA)?

I-HSA i- akhawunti yokulondoloza kunye neenzuzo zerhafu ezingasetyenziselwa kunye neCandelo eliPhezulu lezeMpilo eliDeductible. Iimali kwi-akhawunti ye-HSA ziqokelelwe ukwenzela ukuba zisetyenziswe kwiindleko zonyango ezifanelekileyo ngumnini-akhawunti. IiAkhawunti ze-Savings Health kufuneka zibophelelwe kwiZiCwangciso zezeMpilo eziPhezulu eziDeductible (HDHP), azifumaneki ukuba awunabhaliswa kwisicwangciso sezempilo esinqunyiwe.

Ii-HDHP ezifanelekile Ukunikezela ukufikelela kwiindlela zokugcina nge-HSA

I-HDHP inokukwenza ungakhathazeki xa unenkxalabo malunga nokuza nemali ukukhawuleza iindleko ezidityanisiweyo kunye nezindleko , kodwa xa ukhangele iinjongo eziphambili onokuzisebenzisa xa unesicwangciso sezempilo esinqunyiwe kunye ne-HSA, lenza unengqiqo enkulu kwaye ikubeka inzuzo. Izinto ezibini eziphambili zi:

• IiNyanga zeMali eziNcinci zigcina imali kwiindleko zakho zezempilo
• Ukufikelela kwi-HSA kunokukugcina imali yerhafu ngoku, kwaye wenze ukugcina ixesha elide

IiNzuzo ze-HSA ezenza i-HSA ibe nembono efanelekileyo ngokwenene

Nangona ii-HSA zineenzuzo ezininzi, esizichazayo kumboniso olula ukulandelelana kwetafile, izinto ezimbini ezibalulekileyo zilandelayo:

• Naliphi na imali otyalo-mali kwi-HSA yakho inokukhuphula irhafu kwaye xa ungayichitheli kwiindleko zonyango, unako ukuqhubeka uqokelela le mali yokuthatha umhlalaphantsi.

• Ukurhoxisa imali kwi-HSA ukuhlawula iindleko zonyango ezifanelekileyo zerhafu.
• Iintlawulo ze-HSA azihlawulwanga
• Ukuba awukho unyango oluphezulu okanye ngaphandle kweefowuni zonyango ngoku, awuyi kuchitha okanye ulahlekelwa yimali yakho, imali iyakha ngaphezu kwexesha, ngoko ukuba ngokukhawuleza ufuna ukufikelela kwiimali zonyango, Uxhomekeke kumnikelo wonyaka, imali kwi-HSA iya kwakha phezu kwexesha.

Iyiphi i-Akhawunti ye-Akhawunti ye-Flexible okanye i-Flexible Spending Arrangement (FSA)?

Izilungiso zokuchitha iiFlexible ngamanye amaxesha zibizwa ngokuba yi- Flexible Spending Accounts , zingasetyenziselwa iindleko zonyango azixhunyiwe kwi-HDHP ezingasetyenziselwa naziphi na izicwangciso zempilo kwaye zidlalwa ngumqeshi njengenxalenye yeenzuzo zephakheji.

Imali yeFSA iphelelwa yisikhathi ekupheleni konyaka -Akunakho ukugcina ixesha elide

Uzuza ngokusindiswa kwentela yemali oyifake kwiFSA yakho, ingxaki kukuba, awukwazi ukugcina nayiphi na imali eyishiywe kuyo ekupheleni konyaka ukuba awuzange uyisebenzise. I-FSA ayisebenzi kakuhle njengecebo lokugcina ixesha elide.

Ukulondoloza kwiiThafu zakho kunye ne-HSA okanye i-FSA

Nge-HSA kunye ne-FSA uyazuza xa usindiswa ngerhafu ngenxa yokuba unokufaka imali yakho kwi-akhawunti yakho ngumqeshi wakho okanye umlawuli "ngaphambi kwentela".

Ngaba Unayo i-HSA kunye neFSA ngexesha elifanayo?

Unokwenza kuphela i-HSA kunye ne-FSA ngexesha elifanayo ukuba i-FSA ikhethwe njenge-"FERM limited" (LSA). I-LPFSA kufuneka ibe nenjongo ecacisiweyo, umzekelo xa i-LPFSA ikhethwe ukuba ikhuphe iindleko zengqondo kunye nemiboniso, kwaye kungekhona iindleko zonyango eziqhelekileyo ezigqitywa yi-HSA.

Yintoni eyahlukileyo phakathi kwe-HSA kunye ne-FSA?

Ukusebenzisa ishati engezantsi, unokujonga iintlobo ezahlukahlukeneyo okanye izinto ezingonakaliyo ze-HSA neFSA.

Ziyintoni ezifanelekile zeHSA kunye ne-FSA Indleko?

Ii-HSA kunye ne-FSA zenzelwe ukufumana iindleko zempilo ezifanelekileyo . Eminye imizekelo yendlela abantu abangayisebenzisa ngayo imali yabo ingaquka: ii-Copayments, i- deductibles , ezinye iziyobisi, kunye nezinye iindleko zokunakekelwa kwempilo ezifanelekileyo. Iindleko ezifanelekayo ziyabonwa kwiphepha 8 kwimoyi 969: IiAkhawunti ze-Savings Health kunye nezinye iziCwangciso zeMpilo eziNcedisayo .

Isicwangciso sakho somlawuli okanye umqeshi unokukwazi ukunceda uqonde iindleko ezifanelekileyo kwicebo lakho lempilo .

Yintoni Engcono? I-HSA okanye i-FSA?

Ngokubanzi i-HSA iguquguquka kakhulu, ikuvumela ukuba ugcine imali ngokuhlawula irhafu encinane, kodwa ikuvumela ukuba ugcine imali ixesha elide ukususela nayiphi na into ongayisebenzisiyo kunyaka nawuphi na unyaka uza kuqokelela kwaye uqokelele njengoko ulondoloze ixesha elide.

I-FSA ayikwazi ukwakha ngaphezu kwexesha, ulahlekelwa nayiphi na imali oyifake kuyo ekupheleni konyaka, ngoko ayikho ithuluzi lokugcina ixesha elide. Umele uphinde ulahlekelwe yi-FSA yakho xa utshintshe umqeshi, kodwa usinikeza imali yokugcina imali, ngoko ke ukuba awufaneleki kwi-HSA, kwaye unayo i-HDHP i-FSA yinto efanelekileyo.

I-HSA vs FSA Ulwahlulo olubalulekileyo: Yiyiphi enye into engcono kuwe?
	HSA	FSA
Iimfuno okanye iimfuneko	Kufuneka ube neCandelo lezeMpilo eliPhezulu eliPhezulu elifanelekileyo okanye i-HDHP ukuze ufanelekele i-HSA. Ubuncinci obuchithwe kwi-2018 yi-$ 1,350 yezicwangciso ngamnye okanye i-$ 3,700 kwizicwangciso zentsapho Awukwazi ukubhalisa kwi-Medicare Awunakuchazwa njengomxhomekeke kwisicwangciso somnye umntu	Akukho mfuneko, edlalwa ngeqela okanye umqeshi
Yintoni eyenzekayo Ukuba Utshintsha Umqeshi?	I-HSA yakho iyakulandela.	I-FSA ayikwazi ukukulandela kumqeshi wakho omtsha, unokulahlekelwa nayiphi na imali engasetyenziswanga / esetyenzisiweyo.
IMigaqo yokuHlola	I-HSA iya kuhamba rhoqo ngonyaka, imali engasetshenziswanga ingagcinwa kwi-HSA yakho yexesha elide.	Imali yeFSA iya kuphelelwa ekupheleni konyaka. Awukwazi ukuwagcina. * Bona amanqaku akhethekileyo
Iipopu zoNyaka zoMrhumo	Ngo-2018 umda wenkxaso yezicwangciso zempilo ezifanelekileyo * yi-$ 3,450 yezicwangciso ezizimeleyo kunye ne-6,900 zama-cwangciso kwizicwangciso zentsapho	Ngomda we-2018 umyinge we-$ 2,650, ukuba ngaba abini abatshatileyo bafumana i-FSA ngoko omnye umlingane unokufumana umda womrhumo ngamnye we-$ 2650 (ukusuka kwi $ 2,600 ngo-2017).
Ukunyanzeliswa kweziTshintsho kwiNkxaso-mali	Ewe, ugcine engqondweni yengxowa yonyaka yenkxaso	Ngokuqhelekileyo kutshintshwa kuphela: ngexesha lokubhalisa elivulekile ukuba unenguqu kwimeko yentsapho ukuba utshintsha isicwangciso / umqeshi
UkuLondoloza ixesha elide	Ewe	Akukho
Isohlwayo ekuSebenziseni iNgxowa-mali	Ukulondolozwa okulondoloziweyo kunokurhoxiswa kumhlala phantsi (emva kweminyaka yobudala engama-65) ngaphandle kwesihlwayo Ukuba zisetyenziselwa iindleko zonyango ezingekho kwiminyaka engama-65 ubudala, kufuneka zivakaliswe kwifom yerhafu yengeniso kwaye ziphantsi kweentlawulo ezingama-20	Kufuneka uhambise iindleko zakho ukuba zibuyiselwe yi-FSA yakho. Ngenxa yokuba oku kulawulwa ngumqeshi, awukwazi ukufikelela kwimali yezizathu ezingezonyango. Thetha kumlawuli wakho weFSA okanye umqeshi ngeenkcukacha.
Ugcino lwentlawulo	Imali ingaba negalelo eli-pre-tax ngqo kumqeshi Iminikelo inokutsalwa kwerhafu Ukukhula kwerhafu echaziweyo Ukulondoloza imali ekhutshweyo kunokurhoxiswa ngaphandle kwentlawulo yomhlalaphantsi (emva kweminyaka engama-65) Iindleko zezoNyango ezifanelekileyo azihlawulwanga	Imali ingaba negalelo eli-pre-tax ngqo kumqeshi Iindleko zezoNyango ezifanelekileyo azihlawulwanga
Amanqaku akhethekileyo	I-HSA iya kufumaneka ngeendlela ezahlukeneyo, qiniseka kwaye ubuze ukuba uya kuba nekhadi lokubhadela kunye nendlela iindleko zisebenza ngayo.	* Izicwangciso zeFSA zingavumela i-carryover encinci okanye ixesha lobabalo, nangona kunjalo, oku kukuqonda kweso sicwangciso somlawuli okanye umqeshi kwaye akunakwenzeka kwiimeko ezininzi.