Izicwangciso ze-HSA-Indlela yokuHlahla iNtela yokuThumela iindleko zeMpilo yexesha elizayo
Ngokutsho kwe-IRS, "I-akhawunti yokulondoloza impilo yintembeko ehlawulwa yerhafu okanye i-akhawunti yokugcinwa kwemali oyifumene nomphathiswa we-HSA ofanelekileyo ukuhlawula okanye ukubuyisela iindleko ezithile zonyango ozenzayo. Kumelwe ube ngumntu ofanelekileyo ukuba afanelekele i-HSA. "U
I-HSA isebenza njani
Ii-HSA zizicwangciso zokulondolozwa kweerhafu ezichithwayo zentlawulo ezikuvumela ukuba ugcine idola engaphambili yentela kwiindleko zonyango lwexesha elizayo. Iidola ezingaphambi kweerhafu zithatyathwa zisuka phezulu kwinkokhelo yakho phambi kokubanjwa kokubanjwa.
Kumele ubhalise kwisicwangciso se-inshurensi yezempilo ephezulu. Awukwazi ukugutyungelwa olunye uhlobo lwenkqubo yomshuwalense wezempilo njengesiHMO okanye iplani yohlobo lwe-PPO.
Isicwangciso esiphathwe ngokukhawuleza kufuneka sihlangabezane nemithetho ethile. Kufuneka kubekho umlinganiselo omncinci kunye nemigangatho emininzi kwi-deductible yakho yonyaka kunye nokuba ungakanani ukuhlawula ngaphandle kwepokothini. Ngomnyaka werhafu ka-2017, umda odibeneyo ngu-6,550 wee-$ ukulungiselela u-self-kuphela kunye ne-13,100 yezigidi kwisicwangciso seentsapho. Ukuncitshiswa kancinci konyaka kungamaRandi ayi-1,300 ukuba uqinisekisa nje wena kunye ne-2,600 yee-intanethi ukwenzela ukukhutshwa kweentsapho.
Akukho mingeni yokufumana imali yokufumana i-akhawunti yokulondoloza impilo. Ngokwahlukileyo, ii-akhawunti zomhlala phantsi zifuna ukuba umntu ufumane imali engenayo.
Akukho mfuneko enjalo kwi-HSAs.
Iintlawulo ezenziwa njani
Iminikelo kwi-HSA irhafu echithwe kwikhasi lokuqala leFomu 1040 njengoluhlengahlengiso kwimali engenayo . Akunakufuneka uwathathe njengokwenyuka kweendleko zonyango , ezinokuthi zibe nefuthe elingephaya kweerhafu kuba ezi zithintelo zithintela kwiindleko ezihlawulwe ngaphaya kwama-7.5 ekhulwini lomvuzo wakho opheleleyo.
Le ngqungquthela ilungiselelwe ukunyuka ukuya kuma-10 ekhulwini ngo-2019. I-akhawunti yokulondoloza impilo ayikho imingcele efanayo.
Imirhumo yonyaka werhafu othe wenziwa ngenxa yosuku olufanayo njengomhla wokugqibela wokufakela ukubuyela kwakho, ngokuqhelekileyo ngo-Ephreli 15. Ngokomzekelo, unokufaka isandla sokulondoloza unyaka werhafu 2018 ukususela ngoJanuwari 1, 2018 ukuya ku-Ephreli 15, 2019.
Kukho ikota malunga nokuba ungayinceda njani kwaye ulondoloze unyaka ngamnye kwaye unokunyuka ngonyaka ngelixa kungenjalo njalo njalo ngonyaka. Ukuba ungatshatanga, unako ukufaka isandla kwi $ 3,450 ngo-2018, ukusuka kwi $ 3,400 ngo-2017. Umda wenkxaso yesicwangciso sentsapho ngu-6,850 ngo-2017, ukwanda ukusuka kwi-$ 6,750 ngo-2017.
Ngelishwa, akukho mrhumo we-HSA okanye ukuncitshiswa kweerhafu kuvumelekile ukuba ubhalisile kwi-Medicare Part A okanye kwiNgxenye B.
Iintlawulo Zentlawulo-Ukuxolelwa
Iintlawulo, ezinjengomdla kunye nezihlawulelo ezivela kwimali enikezelwe kwi-HSA, zihlawulwe irhafu kwinqanaba lezemfundo. Inzala okanye enye ingeniso yetsalo-mali ezuzwe kwiminikelo ayifakiwe kwi-tax return yakho.
Ukurhoxiswa kwi-HSA yakho
Ukurhoxiswa kwi-akhawunti yokulondoloza impilo akukho ntlawulo emva kokuba usebenzisa imali ukuhlawula iindleko zonyango ezifanelekileyo. Iindleko "ezifanelekileyo" zichazwe kwi-IRS Publication 502, kwiZonyango kunye nezoNyango, kwaye zibandakanya iindleko zonyango ezivela kwiipilisi zolawulo lokuzalwa ukuze zikhokele izinja ekusebenzeni.
Ukusebenzisa i-HSA njengeThuluzi loCwangciso lweRhafu
Iingxelo zokulondolozwa kwempilo zifumana ukugcinwa kwentlawulo ngeendlela ezimbini. Okokuqala, ii-HSA ziqokelela umvuzo kunye ne ngeniso ngaphandle kokuxhatshazwa kwendlela yokuchithwa kwemali. Imali ebanjwe ngaphakathi kwe-HSA inokurhoxiswa naliphi na ixesha kwiindleko zonyango ukwenzela ukuba i-HSA ingasetyenziselwa ukuqokelela imali engenayo irhafu yokusetyenziswa kamva ebomini. Unokwakha imali yokulondoloza irhafu kwiindleko zonyango ezizayo njengoko uneminyaka yobudala.
Okwesibini, ii-HSAs zingasetyenziswa ukuhlawula iindleko zonyango zangoku. Ii-HSA zinikeza abantu abaneendleko zonyango ezimbalwa ukuncitshiswa kweerhafu ngaphambili kunyaka owenziwa ngayo iminikelo.
Kuphi ukuMangalelwa ukuDeduction
Amaziko emali abika igalelo le-HSA ngokusebenzisa iFom 5498-SA, ithunyelwa kubini berhafu kunye ne-IRS. Unokubhengeza ingxelo yakho ye-HSA yenani-deductible kwiFomu 8889 kunye negalelo elipheleleyo lichazwe kwifom ye-1040.
Qaphela: Iimfuno ze-HSA ziphakathi kwalawo awanakuchaphazeleka nguMthetho weCandelo loNgeniso lweMali kunye noMsebenzi osayinwe kumthetho ngo-Disemba 2017.