Ulwazi oluxabisekileyo ukukunceda Unqume ukuba i-HSA ilungile kuwe
Ii-Akhawunti ze-Savings Health (ii-HSAs) zizicwangciso zempilo ezixhaswe ngumqashi ezidalwe ngumthetho we-federal ngo-2003. I-HSA ifana ne-akhawunti yokulondoloza kwaye igcinwa kwaye ilawulwa yiibhanki okanye iinkampani zomshuwalense.
I-HSA inikezela ukugcinwa kwentela kathathu kwaye ingaba luncedo kakhulu kubaqeshwa kufuneka bahlawule i-bill ye-hedty for a medical emergency. I-HSA iya kugubungela iintlobo zeendleko zempilo ezingabhekwanga ngumshuwalense wezempilo wendabuko.
Nangona kubonakala kukuhle ukuba nesicwangciso esinikela ngolo hlobo lokulondoloza irhafu kunye neenkonzo ezininzi, kubalulekile ukuqonda zonke iinkcukacha ze-HSA ngaphambi kokuba uqikelele ukuba kukulungile yini.
1. Ngubani onokumisela i-HSA?
Abasebenzi becebo elixhaswe ngumqeshi bahlala bekhetha i-HSA kwimenyu yezinketho. Nabani na oqeshwe ngokuzimeleyo bangakhetha kwakhona olu hlobo lwesicwangciso. Kodwa kubalulekile ukuqonda ukuba nokuba ungumqeshwa okanye oziqeshwe ngabasebenzi, kufuneka ugqitywe yiSicwangciso seMpilo esiPhezulu esiPhezulu (HDHP) ukwenzela ukuseka i-HSA . I-HDHP yiprogram yomshuwalense yonyango enomlinganiselo ophezulu othe wancinci. Izinto ezibalulekileyo ezi-3 ezizaziyo malunga ne-HDHP zi:
- I-HDHP ubuncinci echithwa ngumntu i-$ 1,300 kunye ne-$ 2,600 kwintsapho (ngo-2015, njenge-indexed);
- Inkcazo yeHDHP ingaba isicwangciso sonyango esikhulu sonyango, i-HMO, i-PPO, njl., ngaphandle nje kokuba ingafihla iindleko zonyango lokuqala (ngaphandle koxanduva lokukhusela); kwaye
- Isigxina naliphi na icebo lezonyango elipheleleyo alivumelekanga, kwaye akukho ukubhaliswa kwi-Medicare (i-HSA ingagcinwa emva kokubhaliswa kweMagare, kodwa iminikelo ayikwazi ukuqhubeka).
2. Ngubani owona mnqophiso we-HSA?
Kubonakala ngathi i-HSA iya kuba yinto enqwenelekayo kumntu okanye kwintsapho eneendleko zonyango ezinonyameko, ezinokukwazi ukufumana isicwangciso sonyango esicacile kakhulu, kwaye sinokusebenzisa inzuzo enkulu yerhafu ye-akhawunti yokulondoloza impilo.
Kubalulekile kumqeshwa ngamnye ukuthelekisa i-HSA kwezinye iindlela zokhetho lwezonyango.
3. Imida yonyaka.
Umrhumo wonyaka wemivuzo ye-HSA (ngo-2015, njenge-indexed) yi-$ 3,350 (ngamnye umntu) kunye ne-6,650 (intsapho).
4. Fumana iminikelo.
Kubantu abaneminyaka yobudala engama-55 nangaphezulu, iminikelo yokubambisa eyongezelelweyo ivunyelwe. Ngo-2015 (njenge-indexed), eli nani liyi-$ 1,000. Zonke igalelo kwi-HSA kufuneka zimeke xa umntu efanelekile kwi-Medicare.
5. Igalelo elihlawulwayo irhafu .
Into ebalulekileyo kakhulu ye-HSA yikhono lokwenza igalelo elichithwe irhafu kwi-Akhawunti ye-Savings Health engayifumana inzala.
6. Iintlawulo kwi-HSA azihlawulwanga.
7. Ukurhoxiswa kweerhafu.
Ukurhoxiswa kwi-HSA kunokwenziwa kwi-free-free basis, nje kuphela xa zisetyenziselwa ukuhlawula iindleko zonyango ezifanelekileyo. Ukuba ingasetyenziselwa iindleko zonyango, ukurhoxiswa kwemali engenayo irhafu.
8. Izigwebo zokurhoxiswa ezingafanelekanga.
Ukuba umnini we-HSA wenza iirejista phambi kweminyaka engama-65 ngenxa yeendleko ezingezizo zonyango, i-penalty engaphezulu kwe-20% yentlawulo isetyenziswe kwisixa sokungahoxiswa.
9. Yisebenzise okanye uyilahle?
Ngokungafani neenkqubo ezininzi zokulondoloza ezixhaswe ngumqashi, i-HSA ikuvumela ukuba ugqithe ngaphezu kwemali ongayisebenzisi ngo-Disemba 31.
10. Iindleko zempilo ezivunyelweyo.
Kukho ikhulu leendleko zempilo ezivunyiweyo ze-IRs kunye nezinye iinshurensi zempilo zonyango kunye ne-coinsurance. Ngokomzekelo, unyango lwamazinyo olungenanto lwezonyango, iingqungquthela, izixhobo zokuvalelwa, ukuhlinzwa kweziliso zamehlo, ii-lens zokunxibelelana, iziglasi zamehlo, ukunakekelwa kwe-chiropractic, ukunyangwa kwamathambo, kunye nonyango lwamaziko zihlanganiswe yi-HSA.
Ngaba i-HSA ilungelo lakho? Ngaba uye wacinga ezinye iindlela ? Ukuba unako ukufumana isicwangciso sokunakekelwa kwempilo ephezulu, i-HSA iya kukunika isithsaba esithathu sokulondolozwa kwentlawulo, ibhonasi kwipokethi yomhlawuli werhafu.
Ukubhengezwa: Le ngcaciso inikezelwa kuwe njengomthombo wolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali.
Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.