HSA Basics, Potential Savings, uye Njodzi
HSA Basics
Kushandiswa kweHSA nepamusoro yakakosha dhipatimendi yunivhesiti inogona kukubatsira kuderedza mari yemishonga yemishonga yveshuwarisi uye kuchengeta mitero yemari. Kuti uwane kodzero yekugadza HSA nehuwandu hwekuregererwa kwehutano hwehutano iwe unofanirwa kuva wakashanda, unotarisira kutenga yako pachako yehutano inshuwarano kana basa kumushandi anopa HSA sechisarudzo.
Chokutanga, unosarudza chirongwa chehutano hwehutano hwehutano hunosangana neHSA yekugadziriswa. Sezvo zvirongwa zvehushuwarano hwehutano dzakagadziriswa zvakanyanya, mihorosi yemainishuwarensi yemwedzi yakaderera pane dzimwe nzira.
Zvadaro, iwe unoshandisa mari yakachengetedzwa (ikozvino iwe hauri kubhadhara premium yapamusoro pamwedzi yepure deductible insurance plan) kuti uite zvipo zvinokonzerwa neHSA (zvichienderana nekuderedza kuderedza ). Mipiro iyi inoderedza mari yako inotengesa uye saka inoderedza mutero wako.
Mari iyo mukati meHSA yako inogona kushandiswa kusingabhadhara mutero kubhadhara mari yakakodzera yekurapa. Nenzira iyi, HSA inokubvumira kubhadhara mari yezvemari nemari yausingafi iwe unotora mutero wemari pane. Mari yakabviswa nokuda kwekusafanira kukodzera mari yezvemari inotarirwa kune mitero yemari yemutero uye 10% yemutero wemutero kana iwe usati uri 65 kana kupfuura.
Ongorora mari uye mari yeHSA
Hezvino iyo masvomhu akashanda kune mumwe munhu, watichadana Denise, uyo aishandura kune HSA.
NaNo HSA
Denise aibhadhara $ 596 pamwedzi nekuda kwehushuwarisi yehutano uye aive nemadhora mazana maviri akawanikwa. Mushure mekunge adzingwa, akanga achiri mutoro we20% yemari yezvokurapa kusvika kune imwe yepamusoro yepamusoro, iyo yaiva $ 2 500 pagore.
- Mugore risina zviitiko zvehutano zvakadhura, aizobhadhara miriyamu yegore ye $ 7 152.
- Mune makore nemukana wehutano hunodhura, aizotora mari yemari yepamusoro uye pamwe chete naye kunze kwehomwe yepamusoro: $ 7,152 + $ 2,500 = $ 9,652.
NeHSA
Ne chirongwa cheHSA chakakodzera, Denise achabhadhara $ 349 pamwedzi uye ane $ 5,500 anotsvaga. Mushure mokunge adonedzwa isvika, kambani ye inshuwarisi inobhadhara 100% yemari yekurapa.
- Mugore risina mhemberero dzehutano dzinodhura, iye zvino achabhadhara mari yemari yepasuo ye $ 4188, uye anogona kukwanisa kusvika kusvika $ 3 350 (chikamu chimwe chete cha2015 ne2016 chairo) kune iyo HSA account, iyo ichachengetedza mari yake pamitero, uye inogona ipapo inoshandiswa kusingabhadhara mitero yezvokurapa inouya.
- Mune makore nemutambo wehutano hunodhura, iye achabhadhara mari yake yepamusoro pamwe chete naye kunze kwemahombeksi max: $ 4,188 + $ 5,500 = $ 9,688.
Nekuchengetedza kwehutano kwehutano mumakore akare, Denise ane kodzero yekuchengetedza mari iyo inogona kunge ichienda kune kambani ye inshuwarisi. Anokwanisa kushandisa mari iyo chero nguva yezvokurapa, kana kuti anogona kuiita ikure uye ishandise seIRA mushure mokunge asvika makore 65.
Iwe unogona kuedza izvi zvinyorwa zveIndaneti HSA calculator zana kuti ikubatsire kufananidza zvirongwa uye uone kana HSA ingave yakakunakira iwe.
Ngozi dzeKushandura kune HSA Egible Health Plan
Ndinoziva mumwe murume nemudzimai vakashandura kune imwe yakaderedzwa HSA chirongwa chakanaka ne $ 10 000 pagore rinotsvaga.
Akaonekwa kuti ane kenza yemazamu gore rakatevera. Kwemakore vaifanira kubhadhara $ 10,000 mari yakasarudzwa kunze kwehomwe asati agadzirisa mari yegore roga rehutano.
Sezvaunosvika makore makumi mashanu nemashanu, kana kana iwe uchiita zvinhu zvinokuvadza, njodzi yako yekuwana chiitiko chinodhura chirapa inokura. Funga nezvezvipingamupinyi izvi musati matongedza kune chirongwa chakakosha chekudzikinura.
Ko HSA Inoshandiswa KamweIye Unopinda Makore 65 uye Iva Medicare Inogadziriswa Here?
Kana uchangopinda muMedare, hausisiri kukodzera kugovera kuHSA yako. Zvisinei, mari iri muHSA yako inogona kuregererwa kubhadhara mutero usingabhadhara kubhadhara mari yekurapa yakakodzera.
Mukuwedzera, mushure mezera remakore makumi matanhatu nemashanu, mari muHSA yenyu inogona kubviswa nokuda kwemari isiri yezvemishonga uye chero zvipi zvayo zvinenge zvichange zvichingoendeswa kune imwe chete yemutero wemari.
Ndekupi Kwaunogona Kuwana HSA Zvirongwa Zvakakodzera?
Muchengetedzi wako, kana mumwe munhu anonyadzisa wehuturi yveshuwarenzi kana kambani yveshuwarhu yehutano ichakwanisa kukupa urongwa hweHSA zvirongwa zvakakodzera. Zvimwe zvirongwa zvekare zvinopawo maHSA avo ega. Izvi zvinogona kuuya nemari yakawanda.
Ndine HSA yangu account yandakavhura paIndaneti neHSA Bank. Nhoroondo yacho yakapa huwandu hwekuda mari, mari shoma, uye debit card access.