I-HSA Basics, i-Potential Savings, neengozi
HSA Basics
Ukusetyenziswa kwe-HSA ngesicwangciso se-inshorensi ephezulu kunokuncedisa ukunciphisa iiprojama ze-inshorensi yempilo kunye nokugcina iirhafu zeerhafu. Ukuze uvumeleke ukuseka i-HSA ngesicwangciso se-inshurensi yempilo ephezulu echithwayo kufuneka ube ngumntu oziqhelisayo, onoxanduva lokuthenga isicwangciso sakho se-inshurensi yempilo okanye umsebenzi kumqeshi onika ii-HSA njengekhetho.
Okokuqala, ukhetha isicwangciso se-inshurensi yempilo ephezulu echithwayo ehlangabezana neemfuno zokufaneleka ze-HSA. Ekubeni ezi zicwangciso ze-inshorensi zempilo zinokudityaniswa kakhulu, iipresimesi zenyanga zenyanga ziphantsi kunezinye iindlela.
Emva koko, usebenzisa imali esilondoloziweyo (ngoku ukuba awuhlawulanga i-premium yenyanga ephezulu yecebo le-inshorensi elincinci) ukwenzela ukuba wenze igalelo elincinci kwi-HSA (phantsi kwemiqathango yokuncitshiswa ). Le mivuzo inciphisa imali engenayo engenayo kwaye iyanciphise i-bill yakho yerhafu.
Imali ngaphakathi kwe-HSA yakho ingasetyenziselwa ukuhlawulwa kweerhafu ukuhlawula iindleko zonyango ezifanelekileyo. Ngale ndlela, i-HSA yenza ukuba uhlawule iindleko zonyango ngemali ongeke uyihlawule irhafu yerhafu. Iimali ezihoxisiwe kwiindleko zonyango ezingafanelekanga ziphantsi kweerhafu zerhafu eziqhelekileyo kunye nerhafu yeerhafu ye-10% ukuba awukho 65 okanye ngaphezulu.
Hlola iindleko kunye nokugcinwa kwe-HSA
Nantsi indlela izibalo ezisebenzela ngayo umntu omnye, esiza kuthiwa nguDenise, owayeguqulela kwi-HSA.
Akukho HSA
UDenise wahlawula i-$ 596 ngenyanga ngenyanga yomshuwalense wakhe wezempilo kwaye wayenayo imali engama-dollar ayi-1. Emva kokutshatyalaliswa kwakhe, wayesebenomsebenzi we-20% weendleko zakhe zonyango ukuya kwi-out-of-pocket ephezulu, eyi-$ 2,500 ngonyaka.
- Ngonyaka ongenakho iindleko zempilo ezibizayo, uya kuhlawula iipriyamu zonyaka zama-7 152.
- Kwiminyaka ngemicimbi yezempilo ebiza kakhulu, uya kuhlawula iipriyamu kunye ne-out-of-pocket max: $ 7152 + $ 2,500 = $ 9,652.
HSA
Ngecebo elifanelekileyo le-HSA, uDenise uya kuhlawula i-$ 349 ngenyanga kwaye abe ne-$ 500. Emva kokudityaniswa kwakhe, i-inshurensi yikhokhela i-100% yeendleko zonyango.
- Ngonyaka ongenayo iindleko zempilo ezibizayo, ngoku uya kuhlawula iiprayimari zonyaka ze-$ 4,188, kwaye unako ukunyusa ukuya kuma-3,350 ayi-$ 3,350 (umda owodwa wonyaka we-2015 no-2016) kwi-akhawunti yakhe ye-HSA, eya kusindisa imali yakhe kwerhafu, kwaye kufuneka isetyenziselwe irhafu kwizonyango ezonyukayo.
- Kwiminyaka ngemicimbi yezempilo ebiza kakhulu, uya kuhlawula i-premium yakhe kunye ne-out-of-pocket max: $ 4,188 + $ 5,500 = $ 9,688.
Nge-akhawunti yokugcina imali kwiminyaka enempilo, uDenise unako ukugcina imali engayi kuba yinkampani yinshuwalense. Angasebenzisa loo mali naliphi na ixesha kwiindleko zonyango, okanye angakuvumela ukuba ikhule kwaye iyisebenzise njenge- IRA emva kokuba ifikelela kwiminyaka yobudala engama-65.
Unokuzama oku kulandelwa kwezixhobo zokubala ze-HSA kwi-intanethi ukukunceda uqhathanise izicwangciso kwaye unqume ukuba i-HSA ingakufanele.
Izingozi zokutshintshela kwisiCwangciso seMpilo seHSA esifanelekileyo
Ndiyazi esinye isibini esitshintshela kwisicwangciso esiphezulu seHSA esisisigxina nge $ 10,000 ngonyaka.
Wafumaniswa ukuba unomdlavuza wesibeleko ngonyaka ozayo. Kwiminyaka bekufuneka bahlawule imali engama-$ 10,000 engaphunyekiyo ngaphandle kweekhefu phambi kokuba iindleko zonyango zonyango ezihlala zigcinwe.
Njengoko ufikelela kwiminyaka yobudala engama-55 nangaphezulu, okanye ukuba wenza izinto ezinobungozi obuphezulu, umngcipheko wokufumana isiganeko esibizayo sonyango uya kunyuka. Cinga le ngcipheko ngokucophelela ngaphambi kokutshintshela kwisicwangciso esiphakamileyo.
Ngaba i-HSA kufuneka isetyenziswe kanyeYaye ufikelela kwi-Age 65 uze ube yiMediareji ifanelekile?
Xa usubhalisile kwi-Medicare, awusayikufanelekela ukufaka isandla kwi-akhawunti yakho ye-HSA. Nangona kunjalo, iimali kwi-HSA yakho ziyakuthi zihoxiswe ngaphandle kweerhafu ukuhlawula iindleko zonyango ezifanelekileyo.
Ukongeza, emva kweminyaka engama-65, iimali kwi-HSA yakho ziyakhutshwa ngenxa yeendleko ezingezizo zonyango kwaye nayiphi na imali yokurhoxiswa iya kuthi ixhomekeke kuphela kwerhafu yengeniso evamile.
Ungayifumana phi i-HSA Plans Eligible?
Umgcini wakho womshuwalense, okanye nayiphi na igosa yomshuwalense ehloniphekileyo okanye inkampani yomshuwalense yezempilo iya kunika uluhlu lwe-HSA ezifanelekileyo ezicwangcisiweyo. Ezinye izicwangciso zinika ne-HSA akhawunti. Ezi ziza neemali eziphezulu.
Ndine-akhawunti yami ye-HSA endiyivula kuyo nge-HSA Bank. I-akhawunti ibonelela ngenani lentengo efanelekileyo, imirhumo ephantsi, kunye nokufikelela kwekhadi lokukhawuleza.