Iimali zeeMali zokuSindisa - Ngaba i-HSA enye Iplani yomhlala phantsi?

Ingaba i-akhawunti yokonga imali ingasetyenziselwa ukwandisa umhlala wakho wokugcina umhlalaphantsi.

Xa yayidalwe, iAkhawunti yokuThengiswa kweMpilo (HSA) mhlawumbi yayingabonwa njengelinye icebo lomhlala phantsi . Nangona kunjalo, i-HSA inokukunceda ukuba ufikelele kwiinjongo zakho zomhlalaphantsi . Nangona i-HSA ngokuyinhloko isisetyenziselwa ukubeka ingeniso yerhafu ngelixa ihlawula iindleko zonyango , abantu abanempilo banokufumana ukuba iAkhawunti yokuThengiswa kweMpilo ibenza bakwazi ukugcina ngaphezulu nangomhlalaphantsi.

Iyiphi i-Akhawunti ye-Savings Health (HSA)?

I-HSA yinkxaso abantu abathile abanokumisela iindleko zabo zonyango kwixesha elizayo.

Ukuze kulungele ukudala i-HSA, umntu kufuneka agqitywe yiSicwangciso seMpilo esiPhezulu esiPhezulu (HDHP). Ekubeni iiHHHP zihlala zibiza imali engaphantsi kwe-inshorensi yempilo yabantu , abantu bangasebenzisa i-premium imali yokuxhasa imali yabo ye-HSA.

Yintoni iSicwangciso seMpilo esiPhezulu esiPhezulu?

I-HDHP yiplani engaboneleli kakhulu kwindlela yokufumana iindleko zonyango ngokuqhelekileyo njengokutyelela ugqirha kuba uyasolisa umkhuhlane. Esikhundleni salo, i-HDHP yenkcitho ngokuyinhloko iindleko ezinkulu ezinjengeenkqubo ezibiza ngeendleko ezifana nokuhlinzwa okanye ezinye iziganeko zonyango ezifuna ukulaliswa esibhedlele.

Ngokukodwa, i-HDHP njengaleyo kubhala ngo-2016 inokudityaniswa kwe-$ 1,300 kwisicwangciso ngasinye kunye ne-$ 2,600 kwiplani nganye kunye neentsapho. Imilinganiselo ephezulu ye-pocket-limit is $ 6,550 (ngamnye) kunye ne-13,100 (ngamnye umntu kunye nosapho).

Unokubanceda njani kwi-HSA?

Isixa onokuba negalelo kwi-HSA iyahluka ngohlobo lwesicwangciso onalo, iminyaka yakho, kunye nekhalenda.

Ngomnyaka we-2016, umzekelo, iminikelo eya kwi-HSA igubungela umntu ongaphantsi kwe-55 ingafikelela kuma-3,350 ayi-$. Abanikazi be-HSA bangasindisa ukuya kwii-6,750 zee-family. Abanikazi be-HSA abaneminyaka engama-55 nangaphezulu baya kugcina i-$ 1,000 eyongezelelweyo oku kuthetha i-$ 4,350 ngemali kunye ne-7.750 kwiintsapho-kwaye le mnikelo i-100% yerhafu echithwe kwiholo elipheleleyo.

Igalelo le-HSA lenza iziphumo zokubanjiswa kweerhafu ngentla kwi-tax return . Ngaloo ndlela, umntu akufuneki ukuba ayenze ukuze afumane inzuzo yentela kwigalelo le-HSA.

Ixesha lokugqibela lokuBamba iHSA?

Iminikelo ye-HSA ingenziwa kuze kube ngu-Apreli 15, 2017, kunyaka werhafu ka-2016. Ude ude ufike kwixesha lokugqibela lokufakela irhafu (kungabandakanywa naziphi na izandiso) ukwenza igalelo elongezelelweyo kwi-HSA yakho ukuba awuzange ukhulule iminikelo yakho ngokuchithwa kwemivuzo ngexesha lokhalenda unyaka. Ukuze usebenzise ithuba lokulondoloza irhafu, uya kufuneka wenze igalelo ngqo kwi-akhawunti ye-HSA ngokubhala ngqo isheke okanye ukubeka ngokuzenzekelayo ukudluliselwa kwi-akhawunti yakho yasebhanki.

Njani i-HSA inokukuncedisa kwiCwangciso lakho loPhulo lomhlalaphantsi

I-HSA inokukunceda ufinyelele iinjongo zakho zokucwangcisa umhlala-phantsi kwiindlela ezimbini eziphambili. Okokuqala, zonke iindleko zonyango ozenzayo zingakhokhelwa ngemali (kunye nayiphi na imali) kwi-HSA yakho. Akukho ntlawulo efunekayo kuloo ntlawulo. Enyanisweni, ufumana ukukhula okungahlawulwa kwentlawulo ( njengeRoth IRA inika) ngemali oyifaka kwi-HSA yakho ekugqibeleni isetyenziselwa iindleko zonyango.

Inzuzo yesibini enkulu inokwenzeka ye-HSA iyenzeka ukuba unelungelo lokuba nenempilo.

Ukuba uqokelela imali ebalulekileyo kwi-HSA yakho enokuba ungacingi ukuba uya kuyisebenzisa kwiindleko zonyango, unako ukurhoxisa imali yakho ye-HSA ngexesha lomhlalaphantsi (emva kweminyaka engama-65) ngaphandle kwesihlwayo. Kule ntlawulo, uzakufuna kuphela ukuhlawula irhafu yengeniso ejwayelekile , njengokuba uza kuhambisa i- IRA rhoqo . Ngempumelelo, ubuya kuxhamla kumlinganiselo omkhulu kunomlinganiselo wesiqhelo we-IRA xa wenza i-HSA iminikelo yakho.

Kuzo zombini zezi zizathu, i-HSA inakho, kuxhomekeke kwiimfuno zakho zononophelo lwempilo kunye nokulindela, ukuba ube yingxenye ebalulekileyo yesicwangciso sakho somhlalaphantsi.