Kusarudza Zvakanakisisa HSA
Kune mazana emaHSA kunze uko, kunzwisisa nzira yekuwana nayo yakanakisisa pane yako mamiriro ezvinhu ikozvino chinhu chikuru chekuwana zvakanakisisa. Zvinhu zvizhinji zvichaitika, kusanganisira mazano manomwe akataurwa pasi apa mukuti iwe unogona sei kuziva HSA yakanakisisa iwe pachako, kana kuita sarudzo pakati pevashomanana kana iwe uine dambudziko kusarudza.
Nzira Yokuwana Nayo Best Maererano Nekuchengetedza Utano
Pane zvinhu zvakasiyana siyana zvaunofanira kufunga paunosarudza HSA:
- Zviri nyore sei kutarisira uye kupinda muAkaunti yako yeUkuchengetedza Utano. Nhoroondo yacho ichakupa kadi yebhadharo here?
- Muchashandisa sei mari. Zviri pachena kuti pfungwa yacho ndeyekushandisa mari iyi mune imwe nhoroondo yekuchengetedza utano hwehutano hwehutano / hutano hwemishonga , asi mari yaunotarisira kunyatsoshandisa gore rega rega, uye mari yako yekushandisa icharaira kuti zvinokosha sei zvimwe zvezvikonzero izvi.
- Zvisarudzo zvekutsvaga mari: Unogona kuisa 100 muzana yemari yako here kana kuti chikamu chimwe chete?
- Minimum Balance requirements
- Mitero: Tarisa pamari yepamwedzi, kuisa mari, kuvhara kwekodhi yemari, uye mwedzi unochengetedza mari
- Interest Interest
- Eligibility
Zvimwe Zviviri Zvinonyanya Kukosha Kuwana Account Best Account Savings
Zita iri pamusoro apa rinokupa mufananidzo wezvinhu zvinokosha zvaunoda kutarisa kana iwe uchida HSA yakanakisisa, asi chinhu chakakosha kukutora iwe nenzira yakarurama kuziva:
- Iwe uchange uri kushandisa HSA yako kuchengetedza here?
- Ko HSA yako inonyanya kushandiswa here?
Kuenzanisa neHorgest HSA Providers
Makambani akaita Morningstar anopa ruzivo runokosha muHSA yakanakisisa mumugumo wegore negore. Takaisa tsanangudzo dzavo dzepamusoro dzeHSA dziri pasi apa. Nokuti pane mazana eHSA kunze uko kuti asarudze kubva, maHSA avo ekutanga anotarisa anobva pakuongororwa kwevatungamiri vatatu veHSA vakuru.
- Alliant Credit Union
- Bank of America
- BenefitWallet
- HealthSavings Vatongi
- HealthEquity
- HSA Bank
- Optum Bank
- SelectAccount
- The HSA Authority
- UMB Bank
Best HSA Accounts for Spending
Kazhinji vanhu vanotarisa HSA dzezvakanaka zvekushandisa vachange vachitarisa kushandisa HSA yavo sebhengi rebhangi nguva dzose kubhadhara zvikwereti zvemishonga. Nokudaro, mari inofanirwa kubhadharwa pa "kuchengetedza" ingadai isina kuisa chikonzero pakuzviwana iwe HSA yakanakisisa.
Muchiitiko ichi, iwe unoda HSA iyo yakaderera kusingabhadharwi mari yemari yemwedzi , inoshanda zvakadai seAcquing account uye inokubvumira kushandisa kadhi rebhadhiro kuti ubhadhara mabhiriro ako ezvehutano.
Mumamiriro ezvinhu apo iwe unotarisira kuchengetedza mararamiro akaenzana, ipapo nhoroondo iyo inopa mubhadharo wokubhadhara paunenge uchichengetedza huwandu huripo hunogona kukushandira iwe.
Maererano neAmasstar's 2017 Health Savings Account Landscape Report , zvinotevera ndezvinyorwa zvepamusoro zveHSA zvinyorwa zvekuongorora chevatengi uye izvo zvanga zvisina mari yekubhadhara mari yemwedzi .
- Alliant Credit Union
- The HSA Authority
- Sarudza Chikamu cheS FreeSaver
"Ndechipi Chisingakoshi" HSA Chikonzero Chakanaka?
Kusarudza HSA yekushandisa asi kuisa pfungwa dzako kune vanofarira kunogona kutora mari yakawanda. Kana HSA yako isingakwanisi kuva nezviyero zvepamusoro, ipapo kuchinja kwechikwata chechikwata chichagoverwa nemari yako yemwedzi uye inogona kukubhadhara.
Somuenzaniso kana iwe uine $ 2 000 mubhangi, uye iwe unobhadhara madhora 54 muhomwe gore negore nokuda kwekodha ne "chido" asi iwe unongokwana $ 2 mubereko pane yezeri mushure megore, iwe wakanyatsorasikirwa ne $ 52 penyaya iyoyo, hazvifariri, hapana mvumo yekubhadhara, apo iwe ungada kusvika kuti uchengetedze mari yako yose.
Usati wasarudza nhoroondo yakatarwa nemari yezvibereko, bvunza nezvezviitiko zvakadai.
Health Savings Administrators ($ 3.75 / mwedzi kubhadhara mari yebhadharo - pasina kubhadhara mari) uye Bhizinesi reAmerica ($ 4.50 / mwedzi kubhadhara mari - pasina kubhadhara mari) "kazhinji haisati yakurudzirwa kune vateereri vemabhuku vane chinangwa chekushandisa HSAs avo chete sekushandisa motokari" nhoroondo ye Morningstar.
Best HSA's Savings and Investments
Musoro weHSA wekuchengetedza sezvinoitwa ne Morning Morning waiva Health Equity , ndiyo yaiva yega yeAsaunti dzeAsaiti dzakawana zvakanaka mumativi ose: Menyu Yakagadzirwa, Kuda Kwekutsvaga, Mutengo, uye Kuita.
Kushandisa nzira imwecheteyo yepamusoro yepamusoro yeAA accounts, kuisa zvakanaka pane 3 kubva pamakamuri mana, yaiva:
- Bank of America
- The HSA Authority
- Optum Bank
Kuenzanisa urongwa urwu kune urongwa hweHSA huri pamusoro pekuchengetedza hunoratidza nzira iyo iwe unofunga kushandisa nayo kuchinja kwekodhi iyo HSA ndiyo yakakunakira iwe.
HSA iri kushandiswa kwekutsvaga mari nekuchengetera ichakupa iwe sarudzo dzekutsvaga. Vamwe vanhu vanogona kufunga kuti uyo ane mazano akawanda ndeaakanakisisa, zvisinei, kuva nemasarudzo akawanda kunogona kuvhiringidza, zvinokosha kuti uzviongorore zvakare kuti zviri nyore sei mashandisirwo emagariro emari ichave iwe kuti unzwisise uye uende.
Kuti HSA Yakanaka Ichaita Sei Kuwedzera Mari Yako?
HSA inoshandiswa seyakarongeka, kupa hupfumi hwemitero kudarika 401K's, Traditional IRA's, Roth IRA 's kana 529. HSA yakanaka ichakupa simba rinoshandisa mari kudhora rako. HSA inokupai mukana wokuisa, kuchengetedza uye kushandisa mari yemutero-isina, iyo inowedzera simba rekutenga redha yako. Paunopinda uchishandisa HSA yako yekuisa mari nekuchengetedza , iwe une mukana wekukura iwe mari yako yekusungirirwa musero zvakare.