HSA Top 10 Inowanzobvunzwa Mibvunzo
Zvadaro, kana ukasarudza kuti HSA ndeyako, tarisa idzi Top Top 10 HSA Mibvunzo Inowanzobvunzwa pasi apa kuti uwane kutanga-kutanga kunzwisisa HSA yako.
Nhamba yepamusoro yeAkaunti yeUkuchengetedza Utano, HSA Inowanzobvunzwa Mibvunzo:
1. Ndinotanga sei HSA? Chokutanga, iwe unofanirwa kuva nehutano hwehutano inshuwarano. Chirongwa chehutano hwehutano inshuwarheni ndecheyo inotakura zvakaderedzwa . Gore roga roga izvo zvinonzi se-high deductible yehutano hurongwa hunochinja, asi kazhinji inenge iine deductible iyo isingatariswi mumhando yakakwana yeurongwa hwehutano hwehutano. Kana iwe uchifunga kuti iwe une high-deductible yehutano inshuwarano chirongwa iwe unogona kuonana nemushandi wako, kambani yveshuwarisi yehutano, kana nhamba yebhengi yega yega yega inshurenzi uye zvikwereti zvekwereti munharaunda kana muIndaneti kuti uzive nezvekugadza HSA. Dzimwe nguva vashandi vanobatsira kubatsira kuHSA kuitira kuti zvive nechokwadi chekuona kana yako ichiita.
2. Ko kana ndikashandura mabasa, ndinorasikirwa nemari yangu here? Aihwa.
Nhoroondo yekuchengetedza utano ndeyako. Chero mari yaunopa kuHSA yako iwe unogara, sezvaunenge uchida mu-akhawunti yekuchengetedza. Kunyangwe iwe usingashandisi mari yako yose yeHSA mune rimwe gore rakapiwa, mari yacho ichangopfuurira kune gore rinotevera kuti rishandiswe.
3. Ndinobhadhara mitero pamari here isati yaiswa muhotera yangu yekuchengetedza utano? Aiwa, mari inopinda muHSA yako yemutero usingabhadhari kana iwe waunoshandira achizogadzirisa-chebha chekutsvaga kwekutora kwako.
Kana zvisingaiti, apo iwe paunogadzirira mitero yako yemitero iwe uchakwanisa kutora kubhadhara kwemari yawakapa kune yako HSA gore iroro. Paunotora mari yako yekuchengetedza yehutano mari yekubhadhara chero ipi zvayo inokodzera mari, inotora mutero usingabhadhari.
4. Ndingave nemimwe mienzaniso yekubhadhara mari yeHSA? Heano mimwe mimwe mienzaniso yeHSA yekudzidzira mari: mishonga yemishonga uye magirazi eziso, hofisi inoshanyira co-pays, chiropractors, vanachiremba vemazino, orthodontists, kupfuura-the-counter meds zvakadai sa aspirin uye antacids, kuberekwa-kutarisa (pamusoro-the-counter ), uye chirwere chemaziso chemaziso chinonzi vashoma. Kune zvimwe zvakawanda zvezvinhu zvamungashandisa mari yenyu kuitira kuti paunowana chirongwa cheHSA, iwe uchada kubvunza runyora rwekuvhara mari.
5. Chii chinoitika kana ndikarasikirwa ne inshuwarisi yeutano ? Kana uchinge wava nemari muHSA yako, unogona kuramba uchishandisa kunyange iwe usina chirongwa chehutano hwehutano hwepamusoro-soro zvakare, asi iwe haugoni kuramba uchipa mari kuhwandu yako yekuchengetedza utano.
6. Ndingashandisa mari yangu yeHSA kuti ndibhadharire miriyamisi yemainishuwarenzi ehutano here? Iwe unogona kushandisa HSA yako mari yekubhadhara mari yemishonga yako yemainishuwarensi yehutano paunenge uchiunganidza hurumende kana hurumende kusabatsirwa kwemabasa. Iwe unogona kushandisa zvakare HSA yako mari yekubhadhara pamayero emakambani eCOBRA .
7. Ko kana ndichida kurapwa kune imwe nyika ... ndingashandisa mari yangu HSA ikoko? Hongu, mari yako yeHSA inogona kushandiswa kune imwe chete mari yezvechiremba kupi zvako uye mune imwe nyika.
8. Ndingaita mari yakawanda sei kuHSA yangu? Izvozvo zvinoshandiswa gore negore asi sa2015 munhu mumwe chete angakwanisa kusvika kune $ 3 350 pagore uye mhuri inogona kuwedzera kusvika ku $ 6 650 pagore.
9. Ko mari yangu yeHSA inogona kuiswa here? Ehe. Mari yako yekuchengetedza mari inogona kuiswa mari yakafanana ne 401K .
10. Kana ndikafa, ndinorasikirwa nemari yangu yeHSA here? Aiwa. Unogona kutumidza munhu anowana mari kuti awane mari yako yekuchengetedza mari.