Mipurogiramu yakawanda yendarira neyevhavha inotengwa pamakwikwi aya zvakare HSA yakakodzera.
Kuderedza Mitero Iye zvino Uye Kuvaka Kuponesa Kubhadhara Utano Hwezvino kana kuti gare gare
Nhoroondo dzekuchengetedza hutano dzinopa rubatsiro runodikanwa kubatsira kubhadhara mari yemazuva ano uye yeramangwana-yakabatana. HSAs inogona kukubatsirawo nekuderedza mitero yako yemari. Iwe unogona kupa mari inosvika madhora mazana matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu ($ 3 350) pamusangano wega wega uye kusvika ku $ 6 650 pamhuri yekugoverwa kwegore ra2015. Kana iwe uri nemakore makumi mashanu nemashanu kana kupfuura, kune mimwe mari inowanikwa $ 1 000 yekubatwa kusvikira Medicare inokodzera pa 65. Kana iwe nemumwe wako musingatendi 55 kana yakwegura uye usina kunyora muMedare, iwe unogona kuita zvose mupiro wokubata. Zvisinei, zvipo zvekubata zviviri zvinofanirwa kuitwa mumudzimai mumwe nomumwe weHSA.
Iwe unogona kufungidzira kushandiswa kwemutero unogona kubva kune mupiro kune imwe yehutano yekuchengetedza yehutano uchishandisa iyi calculator kana TaxCaster kubva TurboTax.
Iwe Unayo Kusvikira Mutero Wemitero Usati Waita Kuti Upe Rubatsiro kuHSA Yako Kana Iwe Usati Wave Wave Wakawanda Maererano Nemipiro Yako Yezvino Mutero Wegore
Ruzhinji rwevatendi veHSA vanoda kusununguka uye kushandiswa kwekubhadharwa kwemitemo.
Vanhu vazhinji havazivi kukwanisa kupa zvipo zvakananga kune HSA kunze kwebasa. Iwe unogona kugovera zvakananga kune HSA nekunyora cheki kana kuisa hurumende kuwedzerwa kubva kubhengi yako yebhangi. Iwe unogona kusarudza kushandisa imwe bhagi reHSA. Ingoyeuka kana uchitarisa kuti unogona kuwedzera sei kuHSA yako kuisa zvipo zvakagadzirwa nomushandirwi wako muna 2015 nezvipo zvako zvegore ra2015.
Hsa Mipiro Inoderedza Mari Yenyu Inotengwa
Mipiro yenyaya yekuchengetedza yehutano inofungidzirwa se "pamusoro pezera" kubviswa. Somugumisiro, izvi zvinogona kubatsira kuderedza mari yako yakagadziriswa yakawanda (AGI) uye inogona kukubatsira iwe kukwanisa kuwana zvimwe zvakabviswa uye zvikwereti zvinoenderana neAAGI yako. Chimwe chiwedzerwa chakanaka iwe haufaniri kutora zvinyorwa zvayo pamutero unodzoka kutora kubviswa kweHSA.
Nhoroondo dzekuchengetedza hutano zvinowanzopa kupa mutero katatu. Mipiro yako yeHSA ichaderedza mari yako yaunotengesa nhasi, kukura mitero-inoderedzwa, uye inogona kubviswa pasina mutero usingabhadhari chero bedzi iwe uchiishandisa iyo inoshandiswa mune zvehutano. Kuwedzera kunetseka pamusoro pokukwira kwehutano kunoshandisa HSAs basa rinokosha rekugadzirisa mari apo kuchengetedza kwehutano kunotenga zvose iye zvino uye munguva yekurega.
Utano Maintenance Accounts Hauna "Kushandisa kana Kurasikirwa" Kugadzirisa
Izvi zvakasiyana zvikuru kubva pakugadziriswa kwemari yekushandisa mari (FSAs) iyo inongopa chete zvigadziriswa zvemari kubva kune rimwe gore kuenda kune rimwe. Somugumisiro, iwe unogona kusarudza kusiya HSA mari munhoroondo yako nekuita kwenguva yakareba. Nhoroondo dzekuchengetedza hutano dzinogonawo kupa zvikwereti zvakasiyana-siyana zvekutsvaga mari kuti ubatsire mari yako kukura.
Iko kukwanisa kubvumira HSA yako mari kukura mumutero wekodzero yakabhadhara inopa nzira yakanakisisa yekuwedzera mari yako yekuchengetedza mari.
Kusiyana nemipiro yeIRA inotambirwa , nhoroondo dzekuchengetedza hutano hazvina zvishoma zvishoma. Icho chinonyanya kukosha kuti upe rubatsiro kune HSA ndechokuti iwe waifanira kunge wakafukidzwa nepamusoro-deductible yehutano inshuwarano hurongwa nehwandu yekuchengetedza yehutano yakaiswa pairi mukati megore regore ra2015. Zvisinei, zvakakoshawo kuyeuka kuti mipiro yeHSA inofanirwa kuitwa nemutero wekuisa mutsara wekupedzisira (April 18. 2016) kunyange iwe uri kuwedzera kuwedzerwa.
Kana HSA isingashandisi mari yekurapa yakakodzera, iwe uchafanira kubhadhara mitero yemari inowanikwa pamusana wekupararira pamwe nehana ye20% kana yakatorwa usati wava nemakore 65. Imwe nzira yekutarisa izvi yakaita sokuti HSA inotere- yakaderedzwa 401 (k) ine 20% yekutanga kutora chirango kusvikira makore 65 asi neB bonus yakawedzerwa yekusarasirwa kwemitero kana mari inoshandiswa pakugadziriswa kwezvokurapa.
Kana iwe uine mukana wakawanda wehutano hwakanaka uye huri pasi pezvokurapa, iwe unongomirira kumirira kusvika makore 65 kuti urege kudzivisa kutanga chirango.
Vakawanda varonga zvemari vanokurudzira kushandisa zvakakwana zvipo zveHSA mushure mekuvaka mari yako yehupfumi uye kuwana mutambo muurongwa hwevashandi vako. IHSA ndiyo chete yega yega yega inopa zvose zviripo kusati kwabhadhara uye kusabhadhara mitero. Inopawo mari yekubatsira kubhadhara mari yekuchengetedza hutano iyo inowanzotanga kunetseka kana iwe uchisvika pakubhadhara. Zvechokwadi, inowanzokurudzirwa kubhadhara mari yehutano kunze kwe-muhomwe apo zvichibvira kubvumira HSA yako mari ichienderera mberi kukura musero-pasina kubhadhara .