Nasi isizathu.
Nantsi indlela i-HSA isebenza ngayo
Okokuqala, isikhumbuzo sokuba yintoni na i-HSA kunye nendlela isebenza ngayo. IiAkhawunti ze-Savings Health, ke, i-akhawunti yokulondoloza / utyalo-mali ovumelekileyo ukuba uvule ukuba uthenge isicwangciso se-inshurensi yezempilo ephezulu. Ukuze ufaneleke ngo-2018, i-deductible kufuneka ibe ngu-$ 1,350 umntu, i-$ 2,700 kwiintsapho. Izicwangciso zokufaneleka azikwazi ukubonelela nayiphi na inzuzo ngaphandle kokunyamekela ukuthintela phambi kokuba abathathi-nxaxheba banelisekile. Kwaye kufuneka banciphise inkcitho yakho yenkxaso-mali ye-out-of-pocket yonyaka, kungabandakanyi iiprayimari, ukuya kuma-6,650 ayizigidi zabantu, i-$ 13,300 kwiintsapho. Emva kokuba uvula i-HSA, abantu ngabanye (kunye nabaqeshi babo, ngaphezulu kweso sesibini) banokufaka isandla kwi-dollar engama-3,450 kwi-dollar engaphambi kweerhafu ngo-2018, iintsapho ezingama-6,900, kunye nabantu abangama-55 nangaphezulu ngaphezulu kweedola ezili-1.
I-Akhawunti yomhlala-phantsi kwiMpahla yokuNakekelwa kweMpilo
Njengoko u- 401 (k) , ukwenza igalelo kuncitshiswe umvuzo wakho ohlawulelwayo ngenjongo yentlawulo.
Ilungile lonto. Abaqeshi abangaphezulu baye baqala ukunikela abasebenzi babo ngeekhrothi ukwenzela ukuba bavule a) bavule iiAkhawunti zabo zokuSindisa iMpilo kwaye b) baqale ukufaka imali kubo, uchaza ingcali yomshuwalense wezempilo uShelby George waseManning & Napier. Kungcono-kwaye yintoni na. Ngama-401 (k), sithetha malunga needola ezifanayo.
Iintsingiselo: Ufanele ukukhaba imali encinane yemali yakho ukuze umqeshi wakho ahlasele. Akunjalo ngaso sonke isikhathi nge-HSAs, apho ungasifumana khona ukukhuthaza ngokuthatha nje uvavanyo lwezempilo, ukuya kwonyaka wakho (ehlanganiswe) ngokomzimba, okanye uvula i-akhawunti. Ngamanye amazwi, akunakuhlawulisa nantoni na. Xa sibhekisela ekushiyeleni imali yamahhala kwitheyibhile ngokungaqiniseki ngokwaneleyo ukuthabatha u-401 (k) nomdlalo, solulela izinto ezithile; kukho indleko ukuba ufumane loo mali. Kwimeko ye-HSA inzuzo, imali ihlala ikhululekile.
Yonke Yonke Indlela Owusebenzisa ngayo
Ii-HSA nazo zinakho ukuhlaziya kwiakhawunti yomhlalaphantsi kamva ebomini. Emva kokuba unayo i-HSA kwaye unika iminikelo kuyo, unokuhlawula iibhidi zonyango ezingabhalwanga ngaphandle kwe-akhawunti-ngokukodwa ukwenza ezo ntlawulo ngeerola zangaphambili zerhafu kwaye uzigcinele iipesenti ezingama-25 zazo zonke iindleko zonyango. Kodwa-kwaye nantsi umxhaka wokuthatha umhlalaphantsi-ukuba unako ukuhlawula iindleko zonyango lwakho ngekheshi ngaphandle kwe-akhawunti, unako ukutyalo imali kwi-HSA yakho. Bangakwazi ukukhula-njengama-401 (k) asethi-yerhafu-echaziweyo. Unako ukuzirhoxisa, ukungahlawulisi irhafu, ukuhlawula iindleko zonyango ngasiphi na ixesha. Kodwa xa ushaya i-65, ungawahoxisa ukuba uhlawule nantoni na-kwaye uhlawule irhafu yengeniso ekukhuleni-njengokuba wenza nge 401 (k).
Ngaloo ndlela-ingakumbi nayo yonke intetho eWashington malunga nokufakela inani leedola ezichithwe irhafu ezinokubangela inxaxheba kwi-401 (k) ukuya kuma-2,400-i-HSA iba yinto exabisekileyo, eyongezelelweyo yomhlalaphantsi. Elinye i-caveat apha: Ukuba unenjongo yokuhamba le ndlela, jonga iinqununu zokutsalwa kwezimali xa uvula i-HSA yakho. Bahlala becala kakhulu kunemenyu oyisebenzisela umhlalaphantsi.
Kwaye kukho iFSA ...
Ekugqibeleni, ngelixa sithetha nge-HSAs, igama malunga ne-FSAs okanye i-Flexible Spending Accounts. Ngenxa yokuba zivakala kakhulu, abantu abaninzi badibanisa, babhala uKim Buckey, oyiNtloko kaMongameli weeNkonzo zeKlayenti kwi-DirectPath. Ngokungafani ne-HSAs, apho yonke idola oyibekayo ingeyakho ukugcina, ii-FSAs zisebenzisa-okanye-okanye zilahlekelwe. Ukuba awuyikuchitha imali ngumhla wokugqibela (ngokuqhelekileyo ukuphela konyaka), uyekile.
Kodwa, ngelixa ukwenza isigqibo sokuxhasa i-HSA, unokufuna ukubeka imali kwi-FSA, ngokukodwa ngokukodwa kwiindleko zengqondo kunye nemiboniso. "Ukuba unesicwangciso esinqunyiwe, awukwazi ukusebenzisa i-FSA kwiindleko zonyango," u-Buckey uyachaza. Kwi-flipside, "awukwazi ukusebenzisa i-HSA kwindiza okanye kumbono ngaphandle kokuba ihlanganiswe phantsi kwesicwangciso sakho sezonyango, oko akunjalo." Ngoko ukuba uyazi ukuba uchitha ixesha elingakanani kunyaka oonxibelelwano, okanye unayo iindleko ezinkulu ze-orthodontist ekugqibeleni, ukutyhawula imali kwi-FSA yomqeshi inokuba ngumsebenzi ohamba phambili kulo nyaka, ngokunjalo.