Heino chikonzero.
Heino HSA Inoshanda Sei
Chokutanga, chiyeuchidzo chekuti HSA chii uye kuti inoshanda sei. Health Savings Accounts ndeyekuti, zvakanaka, kuchengetedza / kubhadhara makambani ayo iwe unobvumirwa kuzarura kana iwe uchitenga chirongwa chepamusoro-ductible chehutano inshuwarano. Kuti zvikwanise kuita muna 2018, iyo inobviswa inofanira kuva inenge $ 1,350 kune mumwe munhu, $ 2,700 yemhuri. Zvirongwa zvekufanirwa zvekare hazvigone kupa zvipo zvinopfuura kuderedza kuchengetedza vasati vasati vatora kugutsikana. Uye dzinofanira kuderedza mari yako yegore negore yekubuda kwehomwe yehutano, kusanganisira mapeamisi, kusvika ku $ 6 650 kuvanhu, $ 13,300 pamhuri. Kana uchinge wazarura HSA, vanhu (uye vashandirwi vavo, vakawanda pane izvozvo mune rechipiri) vanogona kupa mari kusvika ku $ 3 450 muhurumende isati yabhadhara muna 2018, mhuri dzinosvika 6 900, uye vamwe vanhu 55 uye vanopfuura imwe $ 1 000.
A Account Retirement in Healthcare Clothing
Sezvo ne 401 (k) s , kuita mupiro kunoderedza mararamiro ako akaenzana ekubhadhara mutero.
Zvakanaka izvo. Vamwe vashandi vave vatotanga kupa vashandi vavo makaroti kuitira kuti vawane a) vatange maAccess Savings Accounts uye b) vatange kuisa mari mukati mavo, anotsanangura mishonga yehutano yehutano Shelby George weManning & Napier. Ndizvo zviri nani-uye ndizvo zvazviri. Ndiine 401 (k) s, tinotaura nezvekuenzanisa madhora.
Zvinoreva: Unofanira kutema mune zvishoma zvemari yako kuti uwane mushandirwi wako kuti aite neavo. Izvi hazvirevi nguva dzose neHSAs, uko iwe unogona kazhinji kuwana kukurudzira kuburikidza nokutora uongorori hwehutano, kuenda kwegore rako rose (rakafukidzwa) mumuviri, kana kuzarura account. Mune mamwe mazwi, zvingasakurega iwe chero chinhu. Apo patinotaura nezvekusiya mari yega pasina patafura nekusaisa kukwana zvakakwana kutora 401 (k) kufanana, tiri kutambisa zvinhu zvishoma; kune mari yekuti iwe uwane mari iyoyo. Munyaya yeHSA zvinokurudzira, mari yacho inowanzosununguka zvechokwadi.
Ndizvo Zvose Mune Zvokushandisa Kwazvo
HSAs iinewo kukwanisa kugadzikana mumakosheni ekurasikirwa gare gare muupenyu. Kana uchinge uine HSA uye uri kupa mipiro mairi, unogona kubhadhara mabhizimisi ezvokurapa asina kuvharwa kunze kwekambani-kunyanya kugadzira zvikwereti izvi ne-pre-tax dollars uye uzvichengetedze 25 muzana yezvimwe zvekushandisa mari yehutano. Asi-uye pano ndiko kubhadharira-kana ukakwanisa kubhadhara mari yako yehutano nemari kunze kwekambani, unogona kuisa mari iyi muHSA yako. Vanogona kukura-sa 401 (k) pfuma-mutero-yakatambiswa. Iwe unogona kuvabvisa, kusina mutero, kubhadhara mari yekurapa chero nguva. Asi kana warova 65, iwe unogona kuvabvisa kuti vabhadhara chero chinhu-uye kubhadhara mitero yekubhadharwa pakura-sezvaunoita ne 401 (k).
Nenzira iyi-kunyanya nehurukuro yose muWashington pamusoro pekukanda nhamba yemadhora emitero-deductible inogona kugoverwa kune 401 (k) kusvika $ 2 400-HSA inova yehuwandu, yekubatsiridza mari yekubvisa mari. Iroveat iri pano: Kana iwe uchida kuenda munzira iyi, tarisa maitiro ekutsvaga mari apo iwe uzarura HSA yako. Vanowanzowedzera zvakanyanya kudarika pane menyu yawakashandirwa kubhadhara.
Uyezve kune FSA ...
Pakupedzisira, patinenge tichitaura nezveHSAs, shoko pamusoro peFSAs kana Flexible Spending Accounts. Nemhaka yokuti inonzwika zvakanyanya zvakafanana, vanhu vazhinji vanovhiringidza vaviri, vanotaura Kim Buckey, Vachigaro weMitambo yeCentent Services kuLockerPath, mazano anobatsira panguva. Kusiyana neHSAs, uko mari yose yaunopa iwe ndeyako yekuchengeta, FSAs inoshandisa-iyo-kana-inorasikirwa nayo. Kana iwe usingashandisi mari nechekupedzisira (kazhinji kuguma kwegore), yaenda.
Asi, iwe paunenge uchiita sarudzo yekubhadhara HSA, iwe unogona kuisa mari mune FSA, pamwe chete-kunyanya kwemazino uye maonero ekuona. "Kana uine chirongwa chakakwirira-chinokonzerwa, haugoni kushandisa FSA pamari yekurapa," Buckey inotsanangura. Pamusoro pe flipside, "haugoni kushandisa HSA nokuda kwemazino kana maonero kunze kwokunge yakavharwa pasi peurongwa hwako hwezvokurapa, izvo zvisiri izvo." Saka kana iwe uchiziva kuti iwe unopedza mari yakawanda sei gore rega kune vatinosangana navo, kana kuti mune zvikwereti zvemaorethotontist pakatarisa, kuvhara mari mune mushandi-anopiwa FSA kunogona kuva kuchenjera kwegore rino, zvakare.