I-HSA I-Top 10 imibuzo ebuzwa rhoqo
Emva koko, ukuba uthe wagqiba ukuba i-HSA ikwawe, khangela le mibuzo i-Top 10 ye-HSA ebuzwa rhoqo ngezantsi ukuze uqalise ukuqala ukuqonda i-HSA yakho.
I-Akhawunti ye-10 ye-Savings Health, i-HSA imibuzo ebuzwa rhoqo:
1. Ndiqala njani i-HSA? Okokuqala, kufuneka ube nesicwangciso se-inshorensi yezempilo. Isicwangciso se-inshurensi yempilo esilungeleyo sinomthwalo ophezulu. Unyaka ngamnye oko kuthathwa njengenguqu ephakamileyo ye-inshorensi yezempilo, kodwa ngokuqhelekileyo kuya kuba yi-deductible engaqwalaselwa kwinqanaba eliqhelekileyo kwisicwangciso se-inshorensi yezempilo. Ukuba ucinga ukuba unesicwangciso se-inshurensi yezempilo ephezulu , ungaqhagamshelana nomqeshi wakho, inkampani ye-inshorensi yempilo okanye inombolo yeebhanki zecandelo elizimeleyo kunye neemanyano zemboleko kwiindawo okanye kwi-intanethi ukufumana malunga nokuseka i-HSA. Ngamanye amaxesha abaqeshi bancedisa ukufaka isandla kwi-HSAs ukuze niqinisekise ukuba ngaba iyenu.
2. Kuthekani ukuba nditshintsha imisebenzi, ngaba ndilahlekelwa yimali? Hayi.
I-akhawunti yokulondoloza impilo yakho. Naluphi na imali ofaka isandla kwi-HSA yakho uqhubeka, njengokuba ungayifumana kwi-akhawunti yokulondoloza. Nangona ungayisebenzisi yonke imali yakho ye-HSA kunyaka owodwa unikezelweyo, imali iya kuphelela kunyaka ozayo ukusetyenziswa.
3. Ngaba ndihlawula irhafu kwimali ngaphambi kokuba ifakwe kwi-akhawunti yami yokugcina imali? Hayi, imali iya kwi-akhawunti yakho ye-HSA yerhafu ngaphandle kokuba umqeshi wakho uza kuhlawula i-check pay check for you.
Ukuba akunjalo, ngoko ke xa ulungiselela irhafu yakho yentlawulo yomncedisi uya kukwazi ukuthatha inqununu kwimali oyifake kwi-HSA yakho ngaloo nyaka. Xa uhoxisa imali yakho ye-akhawunti yokulondoloza impilo ukuze uhlawule nayiphi na iindleko ezifanelekileyo, uhoxiswa ngaphandle kweerhafu.
4. Ngaba ndinemizekelo yeendleko ze-HSA ezifanelekileyo? Nazi ezinye zeemvavanyo ze-HSA ezifanelekileyo: amayeza egqirha kunye neeklasi zamehlo, ukutyelela iofisi, ukuhlawula ama-orthodontists, kwi-counter-counter-counter-counter-counter-counter-or counter ), kunye nophenyo lweziliso zamehlo ukubiza ngambalwa. Kukho izinto ezininzi ongayisebenzisa imali yakho ukwenzela ukuba xa ufumana isicwangciso se-HSA, kuya kufuneka ucele uluhlu lweendleko ezigqityiweyo.
5. Yintoni eyenzekayo xa ndilahlekelwa yinshurensi yam impilo ? Xa unayo imali kwi-HSA yakho, unokuqhubeka nokuwusebenzisa nangona ungenayo iplani ye-inshorensi yezempilo ephezulu, kodwa awukwazi ukugcina imali yakho kwi-akhawunti yakho yokugcina imali.
6. Ndingayisebenzisa njani imali yam ye-HSA ukuhlawula imali yam inshorensi yam impilo? Ungasebenzisa imali yakho ye-HSA ukuhlawula iipresimali zakho zempilo xa uqokelela i-federal okanye i-benefit benefit state. Ungasebenzisa imali yakho ye-HSA ukuhlawula ii-premium ze- COBRA .
7. Kuthekani ukuba ndifuna unonophelo lwonyango kwelinye ilizwe ... ngaba ndingayisebenzisa imali yami yeHSA apho? Ewe, imali yakho ye-HSA ingasetyenziselwa iindleko zonyango enye naphandle kwelinye ilizwe.
8. Ndingaba negalelo elingakanani kwi-akhawunti yami ye-HSA? Olu tshintsho ngonyaka kodwa ngo-2015 umntu ongenamntu unokufaka isandla kwi $ 3,350 ngonyaka kwaye intsapho inokunikela kwi $ 6,650 ngonyaka.
9. Ingaba imali yami HSA ingafakwa imali? Ewe. Imali yakho ye-akhawunti yokulondoloza impilo inokutsalwa imali efana ne- 401K .
10. Xa ndifa, ngaba ndilahlekelwa yimali ye-HSA? Inombolo. Ungabiza umxhamli ukufumana imali yakho ye-akhawunti yokulondoloza impilo.