Iyiphi iAkhawunti yokuThengisa impilo okanye i-HSA?
I-Akhawunti Yokulondoloza Impilo yinto ekhethekileyo ye-akhawunti yokulondoloza irhafu engayisebenzisiyo ukugcina imali kwiindleko zonyango xa ubhaliswe kwisicwangciso sokunakekelwa kwezempilo esinqunyiwe .
IiAkhawunti ze-Savings Health zineenzuzo ezininzi kwaye zinokuphinda ziphindwe kabini njengesitya sokulondoloza xa ungasisebenzisi imali kwisicwangciso seendleko zonyango.
I- Akhawunti Yokugcina Impilo okanye i-HSA yongeza i-inshurensi yangoku. I-Akhawunti Yakho Yokulondoloza Impilo iza kukunceda uhlawule iindleko zonyango ukuba umgaqo-nkqubo we-inshorensi awuyi kuhlawula ngenxa yokuba iwela phantsi kwexabiso eliphezulu. Ngaphandle kokuncedisa ukubeka bucala imali yokuhlawula iindleko ezingaphandle kwe-inshurensi yezempilo ayiyi kuhlawula, enye inzuzo ye-Akhawunti Yokugcina Impilo kukuba ungayifaka imali kwi-HSA ngaphambi kokuhlawula irhafu kuyo. Ukongeza, iiplani ze-Akhawunti ye-Savings Health zingakuvumela ukuba ufumane inzala kwimali xa uhleli kwi-akhawunti.
"I-Trumpcare" ikhangele Ukwandisa kwiAgxelo ze-Savings Health
Nangona uninzi lweempembelelo ze-inshurensi yempilo yonyango, okanye "iTrumcare" kubangela ukukhathazeka okukhulu, enye inkalo yokukhangela i- inshurensi yempilo ngexabiso eliphantsi lijonga kwiiprogram ze-inshorensi zempilo ezikuvumela ukuba uvule i-Akhawunti Yokugcina Impilo okanye i-HSA.
Ngenxa yeenguqu ezifanelekileyo kwi-HSA yolawulo lwangoku lujonge ukuqhubela phambili, iiAkhawunti ze-Savings Health ziba zikhangeleke ngakumbi, kwaye mhlawumbi ziguqule ngakumbi. Ngokomzekelo, ukuhlaziywa okunye kwitheyibhile mhlawumbi kunciphisa isohlwayo sokurhoxisa imali kwi-HSA ngeendleko ezingekho phantsi kwezonyango ngaphambi kweminyaka yobudala engama-65 ukusuka kwangoku i-20% (phantsi kwe-Obamacare) ukuya ku-10% (phantsi kweTrasti eceliwe).
Ngaba iSicwangciso seMpilo esiphezulu seDeductible kunye ne-HSA ngokwenene yiNjongo efanelekileyo?
Ngokutsho kukaCainlin Donovan, uMlawuli woPhulo loPhulo kunye neMicimbi yoluntu kwi-National Advocate Foundation Foundation, kwi-intanethi kwinqaku le- "kwiindlela ezili-10 zokugcina unyango lwakho lwezempilo kunye ne-inshurensi linganakunyaniseki" , iApps Savings Accounts yinto efanelekileyo ukuba unayo. UNksz Donovan wacebisa ukuba asebenzise. Ngexesha elizayo lwezicwangciso zonyango elincinci, into enye enekamva elifanelekileyo kukusetyenziswa kwe-HSA kwiiplani zeRiphabliki kunye ne " Trumpcare" .
Ziziphi iingenelo ze-HSA?
Iingxelo zokulondolozwa kwempilo zikhetho ezinomdla wokugcina imali kwi-inshurensi yezempilo kwaye mhlawumbi ixesha elide. Nazi izibonelelo ezi-5 ze-HSA ezenza ukuba kulungele ukucingisisa njengesixhobo sokugcina imali kwiindleko zomshuwalense wezempilo, kunye nesicwangciso sokugcina imali.
5 Iinzuzo ze-HSA
- Ungayifaka imali kwi-HSA yakho phambi kokuba ihlawulwe. Oku kuthetha ukuba unako ukubeka umda ochaziweyo ngaphandle kwe-akhawunti yakho yokulondoloza impilo, ukungahlawulwa kwentlawulo.
- Inzala efunyenwe ngemali yakho kwi-HSA nayo ikhululekile irhafu.
- Ukuba awuyisebenzisi imali kwi-HSA yakho, iya kuthatha umnyaka ozayo, awuyi kulahlekelwa imali yakho. Khawucinge nje ukuba le mali ingazakhela kangangoko ukuya kumawaka eedola kuwe ngexesha elifutshane, irhafu yerhafu, ukuba awuyidingi ukuyisebenzisa ngokukhawuleza kwezokwelapha.
- Enye inzuzo ye-HSA kukuba xa ufikelela kwiminyaka engama-65 ubudala, kwaye ube nethamsanqa ngokwaneleyo ukuba ungasebenzisi yonke imali eseleyo kwi-Akhawunti Yokulondoloza Impilo, unokukwazi ukuyisebenzisa ngaphandle kwentela kumhlalaphantsi. Oku kukhulu kuba lifana nekhredithi yesibini yomhlalaphantsi, ekulondoloze imali kwiiplani zonyango zempilo endleleni.
- Ukuba ugqiba ukunciphisa imali kwi-HSA yakho kwiindleko zonyango, unokufumana ilungelo lokuncitshiswa kweerhafu kwiimali zonyango ngokuxhomekeke kwiimeko ezifaniyo.
Kwakhona qwalasela indlela i- HSA inyathelo ngayo kwi -FSA .
Iingcebiso zokukhetha i-Akhawunti ye-HSA
Ngenxa yokuba i- akhawunti ye-HSA ayisebenzisi kuphela ukubuyisela iindleko zonyango kuwe kodwa inokuyenza njengempahla yokugcina ikusasa lakho xa ungayisebenzisi, ngoko kubalulekile ukucinga ngale ndlela njengoluhlobo lotyalo-mali lwe-akhawunti.
- Qaphela ukuhlawulwa kweentlawulo eziphezulu okanye iintlawulo.
- Ingaba umrhumo wezolawulo ukhutshwe xa unesilinganiselo esincinci esincinci?
- Buza ukuba uya kukwazi ukulawula i-akhawunti yakho kwi-intanethi
- Ngaba uya kuba nekhadi lokubambisa?
- Fumana ukuba yiyiphi inkqubo xa ufuna ukuhoxisa imali kwibango lonyango okanye uhlawulelwe iindleko ezifanelekileyo. Ngaba benza lula inkqubo? Ngaba kukho ukulibaziseka?
- Ziziphi iindlela zakho zokutshala imali?
Iimali eziphantsi kakhulu ze-HSA
Nangona akudingeki ukuba ube nobhalansi obuncinci okanye inani lemali kwi-akhawunti ukuba ube ne-HSA, abanye abaphathi (ibhanki, inyunyana yemboleko okanye inkampani yomshuwalense olawula i-HSA yakho) inokukhupha imali emva kokuba uthinte ibhalansi encinci. Ngokucacileyo, isicwangciso esinomlinganiselo osisiseko esincinane singakusindisa imali eninzi kwiimali xa uqala nje nge-HSA yakho.
Ukufunda malunga nemirhumo ye-HSA umlawuli werhafu ungabangela ukugcinwa kweendleko ezinkulu, kwaye kufanele ukuba ngumbuzo obalulekileyo xa ukhetha indawo efanelekileyo yokuvula i-HSA yakho.
Ukuya Kuya Kubeka IAkhawunti Yokugcina Impilo
Ukuqala iAkhawunti yokuThengiswa kweMpilo akunzima. Unako ukumisela iakhawunti yakho nge:
- Amabhanki
- Abathengisi kunye nabacebisi ngezemali
- Iimanyano zetyala
- Companies Insurance
Amabhanki, iManyano yeMatyala, kunye neeNkampani ze-Inshishini ziza kuba nezicwangciso zabo ezicacileyo zokukunikezela. Abadayisi baya kuba neendlela ezininzi. Kungaba yinto efanelekileyo yokubuza ibhanki yakho malunga nezicwangciso zabo, kwaye uthetha nomthengisi onokujonga ezinye iinketho. Sebenzisa iziphakamiso zokukhetha i-HSA enhle ngenhla ukuvavanya i-HSA eya kuba yinto enhle kuwe. Ukuba uncedo lomthengisi olayisenisiweyo okanye umcebisi wezemali unokukunceda kakhulu. Ekugqibeleni ukwenza uphando oluncinci lunokukunceda ukuba ufumane imali eninzi ngenzala, uchithe imali encinci kwiimirhumo uze unike ulawulo oluthe xaxa lweakhawunti yakho.
Yiyiphi imingcele yeHSA yokunikezela?
Umda wegalelo we-HSA ngo-2018 uya kuba ngu-3450. Ngokomlinganiselo, ngo-2016 umyinge wobuchule ngamnye wawungama-3,350 ayi-$ 3,350, oku kwenyuka ukuya kuma-3400 ayi-$ 1000 ukuya kwindoda yokukhawulwa ngabanye ngo-2017. Ikhefu kwiminikelo iye yaphakama malunga ne-$ 50 ngonyaka ukwenzela ukulungiswa kwamanani emveliso, okuvumela ukugcina imali enokuthi yakhiwe ngokukhawuleza kwi-HSA yakho.
Kwiintsapho umlinganiselo we-HSA we-2018 i-$ 6900, oku kuza kuvela kumda we-2017 we-$ 6,750. Isicwangciso semigangatho yentsapho siphakanyiswa ngama-150 e-mali kunyaka-mali we-2018 xa kuthelekiswa nomnyaka odlulileyo.