Kurapa Kwemitemo Mazano Okugadzirisa Mitero Kushandisa Mari Yezvemari
Izvo Zvinyorwa zveItemized for Expenditure Expenses
Mimwe yemari yako yezvemari inotengeswa mutero kana iwe itemize.
Kana huwandu hwezvokurapa huwandu hunopfuura 10 muzana yemari yako yakagadziriswa mari yakawanda, iwe unogona kutora chikamu. Chimwe chikamu chakakosha chiripo kune vateresi vane makore 65 kana kupfuura, asi bedzi kuburikidza negore rekutora ra2016-mutero wekudzorera iwe waizoisa kana kuti musi waApril 18, 2017, musi wekupedzisira. Chikumbaridzo chinongova 7.5 muzana kubva munaDecember 31, 2016, asi zvino inowedzera kusvika 10 muzana.
Kufanirwa Nezvokurapa Kwemari
Kakawanda, mari yekurapa ichakwanisa kubhadharwa zvakakosha kana yakabhadharwa kuongororwa, kurapwa, kuderedza, kurapa kana kudzivirira kwechirwere kana chiitiko chinokanganisa chero chikamu chero chipi zvacho kana basa remuviri. Kufanirwa mari kunosanganisira:
- Mariro yezvekurapa kubva kunechiremba, vanachiremba, vanachiremba meno nevamwe vezvehutano;
- Mariro yemishonga inorayirwa nechiremba wezvokurapa
- Zvinodhura zvemichina yezvokurapa, zvishandiso, uye zvigadzirwa zvakatemerwa nechiremba wezvechiremba, zvakadai segirasi chemaziso
- Mariro yehutano nemishonga yemainishuwarenzi emazino kunze kwekuti vasabhadharwa nemushandi wenyu
- Mariro yekutarisira kwenguva refu uye inshurensi yekuchengetedza kwenguva refu
- Mari dzekutakura uye yekugara kwekuenda kune imwe nzvimbo yekuchengetwa kweutano, kusanganisira mileage pachiyero chemazana zana nemira imwechete kusvika muna 2017.
Kupfuura-the-counter kurapwa, kuwedzerwa kwezvokudya, mavhithamini uye zvinhu zvokutanga zvekubatsira hazvikwanisi kunze kwekunge zvarayirwa nehutano.
Zvinhu zvakarongedzwa zvakadai sekhocaine uye mbanje hazvirevi mutero kunotsvaga kunyange kana zvakatemerwa.
Flexible Kudhonza Mazano (FSA)
Vamwe vashandi vanogona kukodzera kugadzirisa kurapwa kwemashandisirwo ekurapa (FSA) kuburikidza nevashandi vavo. FSA inoronga kuti vashandi vasachengetedze mari yemutero mushure mekubhadharwa kwemitemo, uye vauyei mari dzakasiyana-siyana dzezvehutano kumabhuku ekubhadharwa. Iwe unogona kupa zvikamu zvinokwana madhora 2 600 pagore kumushandi kubva muna 2017, uye kana iwe wakaroorana, wako wako anogona kupa mari kusvika ku $ 2 600 kune FSA yako zvakare. Zvikwereti zvinoshandiswa mune zvehutano zvinosanganisira kubhadharwa, kubhadhara, zvinyorwa uye zvimwe zvinodarika zvinodhaka. Dambudziko racho nderokuti iwe unofanira kushandisa mari mukati megore - haugone kuzvichengetedza kune dambudziko rakanaka mune ramangwana.
Health Reimbursement Accounts (HRAs)
Vamwe vashandi vanopa mavhesi ekubhadharwa kwehutano hwevashandi vavo. Uyo anoshandira achazobhadhara zvakajeka mushandi kune zvimwe zvikwereti zvekurapa zvakakodzera. Izvo zvekubhadharwa ndezvekusabhadhara mutero. Washandi wako anobatsira pane chirongwa chaunogona kutumira zvikumbiro zvako zvekubhadhara, uye zvakasiyana neFSA, mari inogona kupfuurira mumakore anotevera kana iwe usingashandisi.
Health Savings Accounts (HSAs)
Mumwe muteresi anogona kugadzira nhoroondo yekuchengetedza hutano (HSA) kana ari oga kana kuburikidza neurongwa hweboka neaanoshandira.
Kufanana neFSA, HSAs inotanga kubhadhara mari yenyaya. Kusiyana neFSA, nhoroondo dzekuchengetwa kwehutano hazvina "kushandisa-iyo-kana-kurasikirwa" iyo inowanikwa pakuunganidza mari. Nhoroondo yehutano yekuchengetedza hutano vanogona kushandisa mari yavo yekuchengetedza mari yekubhadhara mari yekurapa pamutero usingabhadhari. Iwe unofanirwa kuva ne-high-deductible yehutano inshuwarani chirongwa kuti uwane. IHSA inobatsira kushora purogiramu yacho kunze kwemari.
Kurongwa Kwemitero Kwemari Yezvechiremba
Zvinowanzova nani kushandisa chirongwa chekugadzirisa mari isati yatora kuti ubhadhara mari yezvemapurisa kunze kwekutora kuderedzwa. Nokuti FSA, HSA neHRA zvirongwa zvinotora mari dzisati dzabhadhara, chero mari ipi zvayo yezvehutano inobhadharwa kubva kune zvirongwa izvi ndeye zana-muzana inodzingwa apo kuderedzwa kwacho kunonzi, pane zvakanakisisa, chete inotora mutero unobviswa.
Chero ani zvake ane mari yehutano yegore rose iri pasi pe10 muzana yemararamiro ake akaenzana haazokwanisi kutora kubhadhara zvachose, uye avo vane kuderedzwa kwakakwana kunowedzera kudarika zvavanenge vadzikinurwa zvachose vanozoguma vachibhadhara mitero pane mari inosvika pane iyo inofanirwa kana ikaitemized.