Mashoko Akakosha Kuti Akubatsire Tsvaga Kana HSA Yakarurama Kwauri
Health Savings Accounts (HSAs) inoshandiswa nevanoshandira-zvirongwa zvehutano zvakagadzirwa nehurumende mutemo muna 2003. HSA yakafanana nekamberi yekuchengetedza uye inowanzochengetedzwa uye inotarisirwa nebhangi kana makambani ehushuwarisi.
An HSA inopa katatu mari yekubhadhara uye inogona kubatsira zvikuru kune vashandi vanofanira kunge vachida kubhadhara chikwereti chikuru chechirwere chekukurumidzira. An HSA ichavharawo zvakasiyana-siyana zvehutano mari dzisingabatanidzwi nehutano hwehutano hwehutano .
Kunyange zvazvo zvinonzwika zvakanaka kuti uve nepurogiramu inopa mari yakakosha yekuchengetedza uye mabasa akawanda, zvakakosha kunzwisisa zvose zvese zveHSA usati wasarudza kana zvakakunakira iwe.
1. Ndiani angagadzira HSA?
Vashandi veurongwa hunoshandiswa nevashandirwi vanogona kusarudza HSA kubva kumenu yezvasarudzo. Ani zvake anozvishanda anogonawo kusarudza chirongwa ichi cherongwa. Asi zvakakosha kunzwisisa kuti iwe iwe uri mushandi kana iwe unoshanda, unofanira kunge wakafukidzwa neHigh Deductible Health Plan (HDHP) kuitira kuti ugadzire HSA . An HDHP chirongwa chemishonga inshuwarisi yepamusoro iyo ine yepamusoro kupfuura yevhesi yakasarudzwa inowanikwa. Zvinhu zvitatu zvakaoma kuziva nezveHHHP ndezvekuti:
- huwandu hweHDHP hunotsvaga munhu ndeye $ 1,300 uye $ 2 600 pamhuri (muna 2015, seyakanyorerwa);
- huwandu hweHDHP hunogona kuva chirongwa chikuru chechirongwa chekurapa, HMO, PPO, nezvimwewo, chero bedzi isina kuvhara mari yekutanga yezvemari (kunze kwekudzivirira kuchengetedza); and
- Kugoverwa nedzimwe sarudzo dzakajeka dzehutano hazvibvumirwi, uye hazvirevi ku Medicare (HSA inogona kuchengetwa mushure mekunyorwa kwaMedricare, asi zvipo hazvigoni kupfuurirwa).
2. Ndiani anonyanya kufarira HSA?
Zvinoratidzika kuti HSA inogona kunge inonyanya kufadza kune mumwe munhu kana mhuri ine mari shomanana yekuchengetedza kurapa, inogona kuwana chirongwa chekurapa kwepamusoro-soro, uye inogona kutora mari yakawanda yekodzero yemutero wekodzero yekuchengetedza kwehutano.
Zvakakosha kune umwe neumwe mushandi kuenzanisa HSA kune dzimwe nzira dzekurapa zvirongwa.
3. Mipiro yegore negore.
Mipiro yegore negore yemipiro yeHSA (muna 2015, seyakanyorerwa) ine $ 3 350 (munhu oga) uye $ 6 650 (mhuri).
4. Tora zvipo.
Kune vanhu vane makore makumi mashanu nevekuru, mimwe michero yekubatanidza inobvumidzwa. Kwegore ra2015 (sevakanyorerwa), ichi chikamu cha $ 1,000. Mipiro yose kune imwe HSA inofanira kumira kana munhu wacho achikodzera kuMedare.
5. Mipiro yakabhadharwa .
Chimwe chinonyanya kukosha cheHSA ndiko kukwanisa kupa mitezo inobhadhara mutero muAalth Savings Account iyo inogona kuwana mubereko.
6. Zvipo muHSA hazvibhadharwi.
7. Kubhadhara mutero-kusununguka.
Kubhadhara kubva kune HSA kunogona kuitwa pamutemo usingabhadhara mutero chero bedzi iyo inoshandiswa kubhadhara mari yakakodzera yekurapa. Kana isingashandisirwi mari yezvechiremba, kubvisa mari inokwereta mari.
8. Vasingakwanisi kubvisa chirango.
Kana muridzi weHSA achiita kuti aende mberi asati ava nemakore makumi matanhatu nemakumi matanhatu nemakumi matanhatu nemakumi matanhatu emadhora ekuda mari, mamwe mazana 20% ane mutero wekubhadhara anogadziriswa pamutengo wekusagadzikana kubhadhara.
9. Kushandisa iyo kana kurasikirwa nayo?
Kusiyana nehuwandu hwevashandi-huripo hwekuchengetedza mari, chirongwa cheHSA chinokubvumira kufambisa mari ipi zvayo usingashandisi naDecember 31 st .
10. Kubvumidzwa kwehutano hwemari.
Kune mazana emaRS-anogamuchirwa nezvehutano hwemari uye mamwe inshuwarisi yehutano inobhadhara uye mari inobvumirwa yakavharwa. Semuenzaniso, zvisiri zvekuporesa mazinyo mazinyo, mapfundo, manzwiro ekunzwa, kuvhiyiwa kwemaziso, maziso emagetsi, chiropractic kuchengeta, acupuncture, uye chirwere chepanyama zvose zvinoputirwa neHSA.
Ndiyo HSA yakakunakira iwe here? Wakambofunga zvimwe zvingasarudzwa here? Kana iwe uchikwanise kutenga chirongwa chepamusoro chekuchengetedza hutano, HSA ichakupa korona katatu yekubhadhara mutero iyo ibhonasi muhomwe yese yevateresi.
Kuzivisa: Iyi ruzivo rwakapiwa kwamuri senyanzvi yekutsvaga zvinyorwa chete. Inenge ichitaurirwa pasina kufunga nezvezvinangwa zvekutsvaga, kushivirira kwekuisa mungozi kana mamiriro emari yemumwe muzvinabhizimisi chaiyo uye ingave isina kukodzera kune varairi vese.
Basa rekare harisi kuratidza migumisiro yemangwana. Kuisa mari kunosanganisira njodzi dzinosanganisira kurasikirwa kwatinoitwa mukuru. Iyi ruzivo haruna kuitirwa, uye haufaniri kuita, inoumba chikonzero chikuru chekusarudza kwekutsvaga kwekutsvaga iwe waungaita. Nguva dzose bvunzurudza iwe pachako wepamutemo, mutero kana wekurima wekutsvaga wekutsvaga wekutsvaga kwekutsvaga iwe usati waita chero upi zvake wekutsvaga / mutero / nzvimbo / fungiro yekugadzira mari kana zvisarudzo