Kutheni i-HSA ithatha i-IRA
I-akhawunti ye-HSA ifana ne-IRA kwi-steroids.
Ngomthonyama we-IRA okanye i-401 (k) , ukuba uvumelekile, ufumana ukuncitshiswa kweerhafu kwisixa ofaka isandla kwisicwangciso. Imali ikhula irhafu, iphinde ihlawule irhafu xa uyihoxisa umhlalaphantsi.
Nge-HSA, ufumana ukuhluthwa kwentela efanayo xa unika imali, kodwa xa usebenzisa imali kwi-HSA yakho kwiindleko zonyango kunye neeprojeyam zempilo zonyango ezifanelekileyo, ubuya ngaphandle kweerhafu.
Kuphi enye into oyifumanayo ukufaka iidola ezichithwa irhafu kwaye uhoxise irhafu? Akukho ndawo apho ndiyaziyo.
(Qaphela: Ukumisela i-HSA, kufuneka ube necebo le-inshurensi echithwe ngokukhawuleza ehlangabezana neziqinisekiso eziyimfuneko, okanye umqeshi wakho kufuneka anike isicwangciso esinjalo.)
Iimali-mali ze-inshorensi yezempilo kunye neendleko zonyango ezithile ziqinisekileyo. Kutheni ungabahlawuli ngeedola ezingenaserhafu?
- Ngaphambi kweminyaka engama-65 i-HSA imali ayikwazi ukusetyenziswa kwiimali-mali ze-inshorensi zempilo kodwa ingasetyenziselwa ukuhlawula iindleko zonyango ezifanelekileyo ezifana ne-co-pay, i-deductibles, ukunakekelwa kwamazinyo, njl.
- Emva kweminyaka engama-65 i-HSA imali ingasetyenziselwa ukuhlawula iintlawulo ze-inshorensi zempilo eziquka iiprimiyamu ze- Medicare Part B kunye ne -inshorensi yexesha elide lonakekelo .
Xa ukhangela zonke iinketho zakho kunye nokuqikelela iindleko zempilo ezilindelekileyo kumhlalaphantsi , uya kubona i-HSA inokunika indlela efanelekileyo kakhulu yokuyigcina ukuhlangabezana nale indleko kunezinye izithuthi ezininzi.
Kukho Akunakukho ngaphantsi kwe-HSA Esikhundleni se-IRA
Ndiyakucinga malunga nantoni na ngaphantsi ukuxhasa inkxaso ye-HSA esikhundleni se-IRA. Ukuba awuyidingi imali yakho ye-HSA kwiindleko zonyango okanye iipresimenti emva kweeminyaka ezingama-65, ungasebenzisa imali njengemali kwi-IRA okanye 401 (k) yakho. Uya kuhlawula irhafu kwiirhafu ezingasetyenziselwa izizathu zonyango, kodwa emva kweminyaka engama-65, akukho ntlawulo yerhafu.
Umlinganiselo ophambili ngowamaxesha apho kungekho ntlawulo yerhafu esebenzayo kunye nenani lentlawulo yerhafu.
Nge-IRA emva kweemali ezingama-59 ½ iimali zifumaneka ngaphandle kwerhafu yentlawulo. Nge-HSA, iimali ziyafumaneka nanini na ixesha kwiindleko zonyango ezifanelekileyo, kodwa ukuba zisetyenziselwa ezinye izizathu irhafu yentlawulo ye-20% iyasebenza kuze kube yilapho ufikelela kwiminyaka yobudala engama-65. Emva ko-65 akukho ntlawulo yerhafu iyasebenza kwiirhafu ngaphandle kokusetyenziswa kwazo.
I-HSA Ifana ne-IRA
- Iminikelo yokuhlawuleka xa ufanelekile.
- Imali ikhula irhafu echaziweyo.
- Ierhafu zerhafu zingafaka izicelo zokurhoxisa ezingahambisani nemithetho.
Ulwahlulo lwe-HSA kwi-IRA
- Imali ingasetyenziselwa nayiphi na iminyaka ukufumana iindleko zonyango ezifanelekileyo kwaye ingenanto yerhafu xa isetyenziswe kwesi sizathu.
- Ukurhoxiswa okungasetyenziselwa izizathu zonyango, irhafu yentlawulo ye-20% ifikelela kwi-65 ubudala; Nge-IRA, i-10% yentlawulo yeerhafu kwaye iyalalaka kwi-59 ½ yobudala.
- Kumelwe ube nesicwangciso sezempilo esinqunyiwe esiphezulu sokufumana ilungelo lokufaka isandla kwi-HSA.
- Imida yokunciphisa isezantsi kune-IRA.
- I-HSA ayinaso isabelo esincinci esincinci ngelixa i-IRA iyenzayo.
Ukuxhaswa nge-HSA Endaweni ye-IRA okanye i-401k
Ukuba ndibe nemali encinci yokonga, ndingasindisa kulo myalelo:
- Ingxowa yam 401 (k) icebo lokusebenzisa inoma yimuphi umdlalo womqeshi.
- Sebenzisa nayiphi na imali esele ngaphaya komdlalo uhlawule i-akhawunti ye-HSA.
- Sebenzisa imali engaphezulu apha ukuxhasa i-RORA okanye i-RORA ye-RORA, okanye usebenzise enye iminikelo engama-401k .
HSA Fund Rollovers
Imali ye-HSA ayikwazi ukufakwa kwiakhawunti ye-IRA. Kwakungekho nesizathu sokwenza oku. Nge-HSA ulondoloza ilungelo lakho lokusebenzisa imali yeerhafu ngaphandle kweendleko zonyango. Ukuba babeza kugqitywa kwi-IRA, olu khetho luya kulahleka.
Ixesha elichithwayo ukusuka kwi-IRA ukuya kwi-HSA
Kukho umyalelo werhafu ovumela ukuhanjiswa kwetyala linye-ntlawulo kwi-IRA yakho kwi-HSA.
Oku akufani ne-rollover njengoko kubalwa kumyinge we-HSA wakho wonyaka. Ikuvumela ukuba uhambise imali encinci yemali kwi-IRA apho kufuneka uhlawule irhafu malunga nokuhoxiswa kweendleko ezifunekayo kwiindleko zonyango kwi-HSA apho ukuhoxiswa kwinjongo enjalo kuya kuba yerhafu.
Ukuvula i-HSA
Ufuna ukuvula i-akhawunti ye-HSA? Qhagamshelana nommeli wakho we-inshorensi ukuba ubone ukuba unokufumana isicwangciso se-inshurensi yezempilo ephezulu echanekileyo, uze uqwalasele uluhlu lwababoneleli be-HSA .
Izibonelelo - Fumana i-IRS inkcazelo ye-reference kwi-akhawunti ye-HSA kwiziko leziko leZibonelelo ze- Akhawunti ye-Savings.