Indlela yokukhetha iBhanki kwii-HSA
Ukukhetha ababoneleli be-HSA
Phantse nayiphi na ibhanki okanye inyunyana yekhredithi inokunika ii-HSAs. Ukuba unolwazi kunye neziko lemali ebhankini ngoku sele uhamba kunye neyona nombolo kwinqaku lakho eliphambili, unokongeza nje i-HSA ebuhlotsheni bakho obukhoyo.
Nangona kunjalo, kukho ezinye izinto ezibalulekileyo zokuqwalasela ngaphambi kokuba uvule i-akhawunti.
Injongo yakho: kuqala, cinga ngendlela oceba ukuyisebenzisa ngayo i-akhawunti. Ngaba uza kuchitha imali ngeminyaka, okanye uceba ukwenza imali iqokelele kwixesha elide? Ukuba uza kuyisebenzisa njengoko ifika kuyo, inzala yemali ehlawulwe kwi-savings yakho ingaba yinto enkulu. Kodwa ukuba le akhawunti iya kuncedisa ukugcinwa kwakho komhlalaphantsi, ukubuya kwexesha elide kubaluleke kakhulu.
Ukongeza imali: ngaba uya kunika umrhumo, ngaba umqeshi wakho uya kukwenza, okanye ngaba uya kudibanisa kubini? Kufuneka kube lula ukwenza loo mnikelo - ngokukhethekileyo kwikhompyutha-ukuze imali ingene kwi-akhawunti kwaye unako ukuxhamla inzuzo yeerhafu.
Imirhumo: ininzi imali ekhethiweyo yerhafu, kodwa iiflawulo ziyahluka kwaye ngamanye amaxesha zikhutshwe ngee-balance balance accounts. Ngamanye amaxesha, uya kufumana imanyano encinci yemali-mboleko enika ii-HSA ezingenasistim.
Fumana ukuba kuninzi kangakanani ukugcina i-akhawunti, kwaye uvavanye indlela ezo ndleko ezichaphazela ngayo ukubuya kwakho. Ibhanki ehlawula i-1% engaphezulu ayifanele ukujongwa ukuba iifizi ezingaphezulu kweyadala i-1%. Kwakhona, qwalasela indlela oza kusebenzisa ngayo i-akhawunti, kwaye ujonge iiflawulo zokuchitha imali (ukuba awuyize uceba ukuchitha imali, akunandaba nokuba bahlawula ngayiphi i-withdrawal).
Ukuchitha imali yakho: ukuba uceba ukusebenzisa imali kwi-akhawunti yakho rhoqo, ingaba lula kangakanani loo nto? Ngaba ufumana ikhadi lokubambisa ukufikelela kwiimali, okanye ingabe inkqubo inzima kakhulu? Amakhadi e-Debit anokunceda ugcine irekhodi yekhompyutheni apho imali yakho iya khona (nangona kufuneka uhlale ugcina iirisithi) kwaye bahamba ngokukhawuleza kwi-pharmacy lula.
Ukusebenzisa iAkhawunti yakho
Khumbula ukuba iminikelo ye-HSA ifumaneka kuphela xa uhlanganiswa yiplani yezempilo ephezulu echithwayo (HDHP). Ngokungafani neengxelo zenkcitho-mali (FSAs okanye izicwangciso zokutya), unokushiya imali kwi-HSA yakho ngaphaya kokuphela konyaka kwaye uyisindise xa uyayidinga - "ayisebenzisi okanye ayilahle." Ngakumbi, i-akhawunti yakho akhawunti kwaye ayibophelelwanga kumqeshi wakho. Ungazivumi ukuba ufuna ukuchitha imali ngaphambi kokuba ushiye umsebenzi wakho.
Ukufumana unyango olungcono lwezonyango, imali kufuneka ihambe kwiindleko zonyango ezifanelekileyo, kodwa zikho ezinye iindlela zokusebenzisa imali ngemveliso encinci.
Ukuvula iAkhawunti
Ukuvula i-HSA kufana nokuvula nayiphi na enye i- akhawunti yebhanki . Uzakufuna ukubonelela ngolwazi malunga nawe, kubandakanywa ne-ID ekhutshwe nguRhulumente. Amabhanki awanakho ukucela ukuqinisekiswa kwe-HDHP yakho - okuphakathi kwakho kunye ne-IRS.
Nangona kunjalo, umsebenzi ofana neminikelo kunye nokusabalalisa (ukuchitha kunye nokuhoxiswa) kuya kubakho ngokubanzi kuxelwa kwi-IRS unyaka ngamnye.
Ulwazi olubalulekileyo
Imithetho yentela iyinkimbinkimbi kwaye iya kutshintsha. Dibana nomcebisi weerhafu oyingcali malunga neemeko zakho. Xoxa ngeenjongo zakho zexesha elide kunye nomcwangcisi wezemali unikwe ilayisenisi kwilizwe lakho ngaphambi kokuvula i-akhawunti.