HSA vs. FSA: Chii Chaicho Kusiyana, uye Chii Chakanaka?

Mitero Yakachengetwa, Mipiro Yezvipo uye Zvinhu Zvokuziva NezveHSA vs FSAs

Zvichienderana nehutano hwehutano inshuwarano iwe unayo, unogona kunge wakakodzera kune HSA kana FSA. Kushandisa zvinyorwa izvi kana zvirongwa zvinogona kukubatsira kuchengetedza mari uye kugadzirira zvemari yekurapa inouya mugore.

HSA neFSA vane zvigaro zvakasiyana uye zvinobatsira mumamiriro akasiyana. Heino mhedziso nezvose zvaunoda kuziva kuti zvikubatsire kunzwisisa zvidzidzo uye sarudza chirongwa chakanakisisa .

Chii Chinonzi Account Accounting Account (HSA)?

An HSA ibhuku rekuchengetedza nemitero inoshandiswa inogona kushandiswa pamwe neHigh Deductible Health Plan. Mari inowanikwa muHSA yakawanikwa kuitira kuti ishandiswe kune zvakakodzera zvokurapa zvekurapa newaiti webhuku. Health Maintenance Accounts dzinofanirwa kusungirirwa kuHigh Deductible Health Plans (HDHP), hadzisipo kana iwe usina kunyorwa muurongwa hwehutano hwakakosha hwekuregererwa.

Wakafanirwa HDHP Wakupa Mawaniro Okusarudza Zvokuchengetedza kuburikidza neHSA

IHDHP inogona kukuita kuti urege kunetseka kana iwe unonetseka nezvekuuya nemari yekuvhara mari yakabviswa uye isina mari , asi paunotarisa zvikomborero zvinokosha iwe unogona kushandisa kana iwe une chirongwa chakakosha cheutano uye HSA, zvinoita kuti uwane pfungwa dzakawanda uye inokuisa pane zvakakosha. Zvimwe zviviri zvinokosha ndezvi:

• Zvikwata zveNhamba Zepasi zviponese mari pane hurongwa hwehutano hwako
• Kuwana kune HSA kunogona kukuchengetedza iwe mari yemutero ikozvino, uye kugadzira mari yekugara kwenguva refu

HSA Makomborero Anoita HSA Zvakanakira Chaizvo

Kunyange zvazvo HSA ine zvikomborero zvizhinji, izvo zvatinorondedzera mu nyore nyore kutarisa chati iri pasi apa, zvikamu zviviri zvinokosha ndezvi:

• Chero mari yaunoshandisa muHSA yako inogona kukura musingabhadhara mutero uye kana iwe usingashandisi pazviremba zvekurapa, iwe unogona kuramba uchinge uchinge uchinge uchengetedze kubhadhara.

• Kubvisa mari kubva kune HSA kubhadhara mari yakakodzera yezvokurapa mutero usingabhadhari.
• Zvipo muHSA hazvibhadharwi
• Kana iwe usina hutano hwepamusoro kana huri kunze kwemari yehutano mari ikozvino, iwe hausi kuparadza kana kurasikirwa nemari yako, mari inovaka pamusoro penguva, naizvozvo kana kamwe kamwe iwe uchida kuwana mari yezvechiremba, iwe hauna ' t kuve nemugove wegore negore, mari iri muHSA ichavaka kwenguva.

Chii Chine Flexible Inoshandisa Account kana Flexible Spending Arrangement (FSA)?

Kusanzwisisika Kutarisa Hurongwa dzimwe nguva dzinonzi seFlexible Spending Accounts , inogona kushandiswa pamari yekurapa haisati yakabatanidzwa neHDHP iyo inogona kushandiswa nemaronga ose ehutano uye inowanzopiwa neanoshandira sechikamu chebatsiro.

FSA Mari Inopera Pakupera kwegore-Hapana Kuchengetedzwa Kwemazuva Akareba

Iwe unobatsirwa nemari yemari yemari yaunoisa muFSA yako, dambudziko nderokuti iwe haugone kuchengeta chero mari yakasara mairi pakupera kwegore kana iwe usina kuishandisa. FSA haiti kushanda zvakanaka seyenguva refu yekuchengeta mari. *

Kuchengetedza Mitero Yako NeHSA kana FSA

NeHSA uye FSA's iwe unobatsirwa nemari yekuchengetwa kwemutero nokuti iwe unogona kuisa mari yako muakaunti yako nemushandi wako kana mutungamiri "kuteresa mutero".

Unogona Kuva neHSA neFSA panguva imwe chete here?

Iwe unogona kungova neHSA neFSA panguva imwe chete kana FSA yakasarudzwa se "chinangwa chakakosha FSA (LPFSA)". LPFSA inofanirwa kuva nechinangwa chakataurwa, somuenzaniso apo LPFSA inosarudzwa kuti ipe mari yekuona mazino uye maonero , uye kwete mari yekugara yezvechiremba inoputirwa neHSA.

Chii Chisiyana Pakati peHSA neFSA?

Uchishandisa chati iri pasi apa, unogona kutarisa zvakasiyana-siyana zvakasiyana kana zvisingabatsiri zveHSA vs. FSA.

Chii Chikodzero HSA uye FSA Imari?

HSA uye FSA's inofanirwa kuvhara mari yakakodzera yehutano . Mimwe mienzaniso yekuti vanhu vangashandisa sei mari yavo inogona kusanganisira: Copayments, deductibles , mamwe madhiragi, uyewo mamwe akawanda akakodzera kutarisirwa kweutano. Mvumo yekubhadhara mari inogona kuonekwa pane peji 8 yepeji 969: Maintenance Health Savings uye Mimwe Mitero-Favored Health Plans .

Murongwa wako wehurumende kana kuti mushandirwi angakwanisa kukubatsira kuti unzwisise mari yakakodzera yeurongwa hwehutano hwako .

Chii Chiri Nani? An HSA kana FSA?

Kakawanda HSA inonyanya kuchinja, inokubvumira kuchengetedza mari nekubhadhara mitero shoma, asiwo inokubvumira kuchengetedza mari kwenguva yakareba kubva chero chipi zvacho chausina kushandisa mune chero ipi zvayo gore chichapfuura uye kuunganidza sekuchengetedza kwenguva.

IFSA haina kuvaka nguva, iwe unorasikirwa nemari ipi zvayo yaunowedzera mauri pakupera kwegore, saka haisi iyo nguva yakareba yekuchengetedza chigadzirwa. Iwewo unomira kuti urasire FSA yako kana ukashandura mushandirwi, asi ichiri kupa hutori mari, saka kana iwe usingakodzeri HSA, uye iwe hauna HDHP yeFSA ndiyo yakanaka.

HSA vs FSA Makakatanwa Akakosha: Ndeipi Inobatsira Kwauri?
	HSA	FSA
Kufanirwa kana Zvido	Unofanirwa kunge uine High Deductible Health Plan kana HDHP kuti uwane HSA. Izvo zvishoma zvinokonzerwa kuti zvikwanire muna 2018 ndeye $ 1,350 pamagadziro ega ega kana $ 3 700 pamagariro emhuri Iwe haugoni kunyorwa muMedare Iwe haugoni kuziviswa seunorarama pane chirongwa cheumwe munhu	Kwete zvinoda, zvinowanzopiwa kuburikidza neboka kana mushandirwi
Chii Chinoitika Kana Iwe Uchishandura Mubhizimisi?	HSA yako inogona kukutevera.	FSA haikwanise kukutevera kumushandi wako mushandi, unogona kurasikirwa nemari ipi zvayo isina kushandiswa / yakashandiswa.
Rollover Rules	HSA ichapedza gore rose, mari isina kushandiswa inogona kuchengetwa muHSA yako kwenguva refu.	FSA mari ichapera pakupera kwegore. Iwe haugone kuvanunura. * Tarira nyanzvi dzinokosha
Mutengo wegore negore Mipiro	Kubva muna 2018 muganhu wemiganhu yezvigadzirwa zvehutano zvakakodzera * ndeye $ 3 450 pamagadziro ega ega uye $ 6 900 pamagariro emhuri	Nokuti 2018 muganhu wemari ndeye $ 2,650, kana vaviri vakaroorana vane FSA uye mumwe nemumwe wavo angave nemugove wega wega we $ 2650 (kubva pamadhora 2 600 muna 2017).
Kugadzikana muKushandurwa kweKubhadhara Nhamba	Hongu, kuchengeta mupfungwa mupiro wegore negore	Kazhinji kuchinjwa chete: panguva yekunyora yakasununguka kana iwe uine shanduko mumamiriro emhuri kana iwe ukachinja chirongwa / mushandi
Kuchengetedzwa Kwemazuva Akareba Zvingaitika	Ehe	Hapana
Chirango chekushandisa The Funds	Kuunganidza mari kunogona kubviswa pakubhadhara (pashure pemakore 65) pasina chikonzero Kana yakashandiswa nokuda kwekusaita mari yekurapa isati yava nemakore makumi matanhatu nemashanu, inofanira kuziviswa pamutero wemari yemari uye inotarisirwa ne20 muzana chirango	Iwe unofanirwa kuendesa mari yako yekubhadharwa neFSA yako. Nokuti izvi zvinotarisirwa nemushandi, iwe haungakwanisi kuwana mari yezvikonzero zvisingarevi zvezvechiremba. Taura neFSA yako mutungamiri kana mushandi kuti uwane mamwe mashoko.
Tax Savings	Mari inogona kugoverwa kusati yateresa zvakananga kubva kumushandi Mipiro inogona kubhadhara mutero Inowedzera mutero-inoderedzwa Kuunganidza mari kunogona kubviswa musero-pasina kubhadhara (pashure pemakore 65) Mari Yakafanirwa Nezvemari haisi kutererwa	Mari inogona kugoverwa kusati yateresa zvakananga kubva kumushandi Mari Yakafanirwa Nezvemari haisi kutererwa
Special Notes	HSA inogona kuwanika nenzira dzakasiyana, iva nechokwadi uye ubvunze kana iwe uine kadhi yebhadhiro uye kuti mari inoshanda sei.	* FSA zvirongwa zvinogona kubvumira madhora maduku kana nguva, asi, izvi zviri pakusarudza kweurongwa mutungamiri kana mushandi uye hazvizoshandisi mumatambudziko mazhinji.