Kunzwisisa Mhando dzeMagariro eEalth Savings

Kuenzanisa uye Kufanirwa Nhungamiro yeHSAs, FSAs, & HRAs

Bhuku rekuchengetedza utano rinowedzera kuwedzera yezvino yveshuwarisi yekuvhara , kunyange zvazvo kune dzimwe HSAs iwe usingafaniri kuva neinishuwarenzi yekuvhara. Izvo zvikwata zvekuchengetedza kwehutano huripo kubhadhara mari yehutano iyo yako yehutano inshuwarheni inowanikwa inowanzobhadhara. Zvichienderana nechirongwa chaunosarudza, mari iri muHSA inosungirwa iwe kana mubhadhari isati yabhadharwa saka zvakafanana nekubhadhara kunze kwehomwe yehutano mari yemutero usingabhadhari.

Mukuwedzera, nemamwe mapurogiramu unogona kuwana chikwereti pamari yako paunenge wakagara apo wakamirira iwe kuti uishandise. HSAs inonyanya kushanda seiyi:

1. Iwe uye / kana mushandirwi uise mari muHSA yako (iyo nhoroondo inogona kuiswa kuburikidza nemushandirwi wako sechibatsiro kana iwe ukamisa akaunti kuburikidza nekambani yega yega sekambani ye inshuwarisi).
2. Mari yako inogara mu-account sezvaizoita mubhengi rebhangi, kunze kwekuti mari yakaiswa mukati imomo musingabhadhara mutero uye inogona kuwana mari yakawanda kupfuura yebhangi yebhangi.
3. Kana uchida kushandisa mari yako (iwe unoda kubhadhara mishonga, kuongorora mazino, kana kubhadhara mari yako yemainishuwarenzi yako) unogona kubhadhara kadhi rekubhadhara kuti ubhadhara mari yacho kana kuti chirongwa chako chingadikanwa iwe kuti uvatumire kopi yemaresiro uye vachakubhadhara iwe nemari mubhuku rako rekuchengetedza utano.

Health Savings Account Options: HSA, FSA, uye HRA

Pane zvinhu zvitatu zvinoshandiswa munzvimbo yekuchengetwa kwevatengi-nharaunda yehutano hwekuchengetwa kwekodzero kubhadhara utano hwehutano hwehutano.

Izvi zvinosanganisira:

1. HSA (Account Savings Account)
2. FSA (Flexible Spending Account)
3. HRA (Urongwa hwekubhadhara hutano)

Ndeupi IA Health Care Account, kana HSA, inoshanda Zvakanakisisa neMeutano Inishuwarenzi Yangu?

Iyi sarudzo dzekuchengetedza mabhuku ehutano dzakasiyana-siyana zvakadai semitemo yekufanirwa uye mitero inoshandiswa naizvozvo kana uri kutengesa kwekodzero yekuchengetedza yehutano unoda kuwana chirongwa chichakodzera zvido zvako zvakanakisisa.

Zvimwe zvinowanika chete kuburikidza nemushandirwi asi dzimwe dzingasununguka kune avo vari kutsvaga hutano hwehutano hutano. Pasi apa unogona kuwana rubatsiro pakusarudza kuburikidza nehutano rekuchengetedza utano hwakakunakira iwe. Heino zveruzivo nezvezvinhu zvitatu zvinowanikwa mune zvekuchengetedza kwehutano hwehutano:

Health Account Account kana HSA

• Ndiani Anofanirwa neHSA? Ani naani ane chirongwa chehutano hwehutano hwehutano hwakakosha hunosanganisira vanhu vashandi. Izvo zvinokodzera sekuderedzwa kwepamusoro zvakatemwa gore negore.

• Ndezvipi Zvokurapa Zvokurapa Zvakafukidzwa neHSA? Zvokurapa hazvibhadharwi sezvinotsanangurwa ne IRS, kubhadhara yehutano yehutano yehutano, mamwe mazano ekuchengetedza kwenguva refu, uye mitero yemishonga yehutano yehutano paanenge achiwana rubatsiro rwekushaya mari.
• Ndinofanira Kuva neUtano Inishuwarenzi kuti ndive neHSA here? Hongu, iwe unoda kuva ne -high-deductible yehutano hurongwa hwehutano kuti uwane HSA.
• Ndiani Anogona Kupa Mari kuHSA yangu? Wako kana wako wako.
• Ndirini Angashandisa Mari Yangu? Iwe unogona kushandisa mari yako nguva ipi zvayo yekushandisa mari yakakodzera.
• Ndinoshora Mari Yangu Here? Kwete, iyo mari yako uye inoramba iri munhoroondo yako gore negore.
• Ndeapi Tax Savings? Mari yako inopinda muakaunti yako isati yabhadhara.
• Ndinogona here kutora HSA neni kubva kuna Jobho kusvika kuna Jobho? Ehe
• Ndinotanga sei HSA? Chokutanga, ona kana wako waunoshandira achipa zvipo kune HSA (usawana izvi zvakanganiswa nevashandi-vanobatsirwe FSA-ona pasi apa). Kana vakadaro vanogona kukupai ruzivo rwekugadzirisa kambani yakagamuchirwa. Kana vasingakwanisi, taura nekambani yehutano inshuwarano kana bhangi nezvekugadzira HSA. Vachakuudza iwe kana chirongwa chako chehutano hwehutano huchikodzera (inofanira kunge yakakosha zvakakosha) uye inokutora kuburikidza nekugadzirisa kwekodha yako.

Flexible Spending Account kana FSA

• Ndiani Anofanirwa neFSA? Mushandi wekambani inopa nhoroondo yakashandisa mari.

• Ndezvipi Zvokurapa Zvinowanikwa Zvakafukidzwa neFSA? Kurapa kwekurapa kusina kubhadharwa sezvinotsanangurwa ne IRS.
• Ndinofanira Kuva neUtano Inishuwarenzi kuti ndive neFSA? Aihwa
• Ndiani Anogona Kupa Mari kuFSA yangu? Iwe, wako waunoshandira kana iwe mose.
• Ndirini Angashandisa Mari Yangu? Iwe unoshandisa mari yako chero nguva. NeFSA, unosarudza mari yakawanda yaunoda kuiswa gore negore uye iwe unogona kutanga kushandisa mari iyoyo pakutanga kwegore kunyange kana zvipo zvisati zvasangana zvakare (zvipo zvinowanzoparadzirwa gore rose semutoro kuderedzwa).
• Ndinoshora Mari Yangu Here? Hungu, mari ipi zvayo isingashandisi yausina kushandisa mugore rakapiwa haisviki gore rinotevera saka neFSA zvakakosha kuronga mari yakawanda yaunoda kugovera mberi kwenguva uye kwete kupa zvakawanda.

• Ndeapi Tax Savings? Mari inowanikwa muFSA isati yatererwa.
• Ndingatora FSA neni kubva kuna Jobho kusvika kuna Jobho here? Aiwa, kana iwe uchisiya waunoshandira iwe haugone kuchengeta mari yako, asi iwe haufaniri kuramba uchingopa mari yako yokubhadhara.
• Ndinotanga sei FSA? Taura nemushandi wako kuti aone kana vachipa FSA.

Utano Hwakagadziriswa Kugadziriswa kana HRA

• Ndiani Anokodzera HRA? Chero ani zvake ane anoshandira anopa HRA. HRAs zvikwereti izvo mushandirwi angasimudzira vashandi vavo kuti avabatsire kubhadhara mari yezvehutano yakabatana. Izvi zvakagadzirirwa kubatsira mubhizimisi kusiya-kuisa mari yekuchengetedza utano kuvashandi vavo. Mitemo yakanyatsogadziriswa nemushandi

• Ndezvipi Zvokurapa Zvokurapa Zvakafukidzwa neHRA? Zvirwere zvemari zvisiri kubhadharwa sezvinotsanangurwa ne IRS.
• Ndinofanira Kuva neUtano Inishuwarenzi kuti ndive neHRA here? Izvozvo zvinosarudzwa nemushandi wako.
• Ndiani Anogona Kupa Mari kuHRA yangu? Zvakare, izvi zviri kumunhu wako.
• Ndirini Angashandisa Mari Yangu? Kazhinji mushure mekutora kambani yako yakagadzirirwa neunoshandira. Washandi wako achaona kana iwe uchikwanisa kuigadzira.
• Ndinoshora Mari Yangu Here? Zvakare, izvi zviri kumunhu wako.
• Ndeapi Tax Savings? Kana iwe uchipa kugosi yako mari yako ichabhadhara mutero.
• Ndingatora HRA neni kubva kuna Jobho kusvika kuna Jobho? Zvakare, izvi zviri kumunhu wako.
• Ndinotanga sei HRA? Taura nemushandi wako kuti aone kana vachipa HRAs. Kana vasingakwanisi uye iwe uchida kuti waunoshandira ape imwe iwe unogona kukurudzira iwe waunoshandira nekuita kuti vazive kuti iyo inobhadhara mutero kwavari uye ingadai iri basa rakanaka rebashandi kubatsira kubvisa mari yekuchengetwa kwehutano kuvashandi vavo.