Chikonzero nei HSA Inofambisa IRA
Nhoroondo yeHSA yakafanana neIRA pane steroid.
Nekodzinza reIRA kana 401 (k) , kana iwe uchikodzera, unowana kubhadhara mutero kune mari yaunopa purogiramu. Mari yacho inokura mitero-yakasarudzwa, uye iwe unobhadhara mitero paunenge uchibvisa mutero.
NeHSA, iwe unowana kubhadhara mutero kwakafanana kana iwe uchipa mari, asi paunoshandisa mari iri muHSA yako yezvokurapa uye yehutano yemishonga yehutano yemainishuwarensi, inodzoka zvakare kunze kwemitero.
Ndezvipi zvimwe zvaunowana kuti upe mari yekutora-inokonzerwa nemari uye urege kubvisa mutero usingabhadhari? Hakuna imwe nzvimbo yandinoziva.
(Cherechedza: Kugadzira HSA, unofanira kuva ne-high-deductible insuramiro chirongwa chinosangana nezvinodiwa, kana mushandi wako anofanira kupa chirongwa chakadaro.)
Indumisiro yehutano yehutano yehutano uye mari yekurapa yemamwe marudzi ndeyechokwadi. Wadii kubhadhara ivo nemadhora asina mutero?
- Asati yava nemakore 65 HSA mari haigone kushandiswa pamishonga yehutano yehutano asi inogona kushandiswa kubhadhara mari yakakodzera yekurapa yakadai sekubhadhara mari, kubhadharwa, kurapa mazino, nezvimwewo.
- Mushure mezera remakore 65 HSA mari inogona kushandiswa kubhadhara mari yemishonga yehutano yemishonga yemainishuwarenzi inosanganisira premium yaMurengeti yeB uye ma - premium yeruzhinji .
Paunotarisa zvose zvaunogona kuita uye uchitarisa kuti zvinotarisirwa kuti utano huripo paunenge uchirega basa , uchaona HSA inogona kupa nzira yakakosha zvikuru yekuchengetedza kusangana nemari idzi kupfuura mamwe akawanda motokari.
Iko Pasi Pasi Pasi Pasi Pasi paKushandisa HSA Panzvimbo yeIRA
Ini ndinogona kufunga pamusoro pekusava nechepasi kumari yekubhadhara HSA panzvimbo yeIRA. Kana iwe usingadi mari yako yeHSA yemari yekurapa kana mari yemishuwarenzi kana mushure mezera remakore makumi matanhatu nemashanu, unogona kushandisa mari yakafanana nemari muIRA yako kana 401 (k). Iwe uchabhadhara mitero pazvibvumirano zvisati zvashandiswa kwezvikonzero zvekurapa, asi mushure mezera remakore 65, hapana mutero wechirango.
Mhedzisiro yakakura ndeyezera iyo pasina mutero wemitero inoshandiswa uye chiyero chemutero wechibharo.
NeIRA mushure mekuda kwemakore 59 ½ mari inowanikwa pasina mutero wekutengesa. NeHSA, mari inowanika chero nguva yekubhadhara mari yekurapa, asi kana inoshandiswa kune zvimwe zvikonzero mutero wekubhadhara 20% unoshanda kusvikira usvika makore makumi matanhatu. Pashure pemakore 65 hapana mutero wechirango unoshandiswa pakubvisa mari pasinei nokuti chii chavanoshandiswa.
HSA Zvakafanana neIRA
- Zvipo zveDeductible kana iwe uchikodzera.
- Mari inokura mitero-inoderedzwa.
- Mutero wekodzero unogona kushanda kune zvekutora zvisingatevedzeri mitemo.
HSA Kusiyana kweIRA
- Mari inogona kushandiswa pazera ripi neripi rekubhadhara mari yezvokurapa uye haina mutero usingabhadhari kana yakashandiswa nokuda kwechikonzero ichi.
- Nokuda kwekutora zvisingashandiswi nokuda kwezvikonzero zvekurapa, chikamu chematengo 20% chinosvika kusvika kune makore 65; NeIRA, iri 10% yemutero wekutengesa uye inonyangarika pazera remakore 59 ½.
- Anofanira kunge ane chirongwa chakakosha chekurapa kwehutano kuti ave akakodzera kupa muHSA.
- Contribution mipera yakaderera pane IRA.
- HSAs hadzina kudiwa mashoma ekugoverwa apo IRAs dzinoita.
Mari yeHSA Pane nzvimbo yeIRA kana 401k
Kana ndaiva nemari shoma shoma kuti ndiponese, ndaizodziponesa nenzira iyi:
- Shandisa mari yangu 401 (k) urongwa hwokushandisa zvakanakisa chero upi zvake anoshanda.
- Shandisa chero mari yepamusoro pamusoro pemutambo yakabhadhara mari yeHSA account.
- Shandisa mari iri pamusoro apa kuti ubatsire tsika dzekodzero kana ROTH IRA, kana kuti shandisa mimwe michero 401k .
HSA Fund Rollovers
HSA mari haikwanise kuiswa mubhuku reIRA. Uyewo hazvizovi nechikonzero chekuita izvi. NeHSA iwe unochengetedza kodzero yako yekushandisa mari yemutero usingabhadharwi mari yekurapa. Kana vakakwanisa kuendeswa kuIRA, sarudzo iyi yaizopera.
Imwe Nguva Inodhindwa kubva kuIRA kuenda kuHSA
Pane mutemo wemitero unobvumira imwe nguva-kutengesa kusununguka kwemari kubva kuIRA yako kuenda kune HSA.
Izvi hazvina kufanana nerollover sezvo inofanirwa kumiganhu yako yegore negore yeHSA. Inokubvumira kuti uende mari shoma kubva kuIRA kwaunofanirwa kubhadhara mitero pazvikwereti zvinoda mari yekurapa kune HSA apo kubviswa kwezvinangwa zvakadaro kungave kusina mutero.
Kuvhura HSA
Unoda kuvhura nhau yeHSA? Taura newaini yako yehushuwarisi kuti uone kana iwe ukwanisa kuwana mukana wepamusoro wehutano hwehutano inshuwarheni, zvino tarisai urongwa hweHSA .
Zvinyorwa - Tsvaga IRS zvinyorwa pamusoro peHSA nhoroondo ku Health Savings Account resource center.