Iko mari yehutano yakatodzwa inodhura kare kumhuri dzakawanda. Sezvo kusununguka kunoswedera pedyo, maonero haawani zviri nani.
Izvozvi, maererano nekuvimbika pamusana pevamwe vaviri vanogona kutarisira kushandisa $ 275,000 pamari yekuchengetedza hutano mumakore avo ekurega basa. Chiyero ichocho chinobva pakufungidzirwa kwe 2017 uye chinomiririra 6 kubva muzana kubva kune gore rapfuura ($ 260,000 muna 2016).
Dambudziko nemhando idzi dzekufungidzira ndezvekuti dzinobva pane imwe nguva yakatarwa yekurasikirwa kwemakore makumi matanhatu nematanhatu. Saka, chii chinoitika kana iwe uchirega kuenda kumangwanani? Sezvaungangodaro wakatarisira, kubvisa mberi kwezera remakore makumi matanhatu nemashanu kunogona kuwedzera zvakanyanya mari yako inotarisirwa yekutarisira utano.
Mari yako inofungidzirwa yekutarisira hutano inowedzera zvakadini kana iwe uchitora basa pamberi peMedarere akakodzera pave nemakore 65? Iwe unogona kuenzanisa mari yako yekuchengetedza hutano uchishandisa ichi chiyeuchidzo chinopiwa neAARP:
AARP Health Care Costs Calculator
Kwatingawana Utano Inishuwarenzi
Kuronga kwehutano hwehutano hwehutano hunodiwa kuti uedze uye kuchengetedza utano hwako hwehutano zvakaderera sezvinogona. Kudzokorora zvirongwa zvako zvehutano inshuwarani zvichakubatsira kuti uende mberi nechivimbo nemarongwa ako ekurega basa rako.
Heino hutano hwehutano inshuwarani kune vashandi vanobvuma purogiramu yepamberi yekurasira kukurudzira:
Iva nekugoverwa kuburikidza neurongwa hwehutano hwemushandi-hwakarongwa. Kana wako wako achiri kushanda uye akakodzera kuhutano hwehutano inshumo kuburikidza nevanoshandira, nzira yekuwana mari yekuchengetedza yveshuwarenzi inogona kuva sarudzo iri nyore.
Izvi ndezvokuti pose apo mumwe mudzimai anorasikirwa nehutano hwehutano inshumo mushure mekunge atora basa rekurega basa iri rinenge richionekwa sechiitiko chakakodzera kuitira zvinangwa zvekuwedzerwa kurongwa huripo. Iva nechokwadi kuti utange matanho ekukurukurirana zvisarudzo zvako zvekurega mari nokukurumidza sezvaunokwanisa kana iwe wakaroorana kuitira kuti iwe unogona kuronga nguva yekuti paunobva kubasa.
Iva nehuwandu hwezvinyorwa kubva kune yega yega yemushambasi yemusika. Kana iwe uine hutano, unofanirwa kuongorora zvaunogona kusarudza munzvimbo yega yega yemushuwarisi yemari. Iyo yekutanga kutanga musi wekubvisa kwako, iyo yakanyanya mikana ichakubatsira iwe kutengesa zvakapoteredza inshuwarheni yakanaka. Iyo yega yega inshurensi yemusika yemugovera inopa huwandu hwakawanda hwekugovera zvingarudzo. Asi mapepa ehutano hwehutano hwehutano hwemhuri uye humwe humwe hunogona kuguma kukukwereta mari yakawanda Izvozvo zvichiti, hazvikuvadzi kutarisa pamushuwarenzi wega pega uye kutengesa zvakapoteredza.
Iwe unogona kutanga kutanga kuenzanisa zvirongwa zveinishuwarenzi nemitengo kuburikidza kushandiswa pamusika pamusika. Mamwe mienzaniso yenzvimbo dzinobatsira dzinosanganisira ehealthinsurance.com uye gohealthinsurance.com. Imwe nzira yakakurudzirwa inosanganisira kushanda zvakananga neinishuwarenzi broker. Ingoyeuka mupfungwa kuti kana iwe ukaguma uchisarudza kuwana hutano hwehutano huri pasi peCOBRA kana kuti Affordable Care Act, zvichiri kukurudzirwa kuti iwe utengese uye uenzanise mari yepamusoro uye mari yekuverenga.
Ongorora zvido zvekugovera pasi peCountable Care Act (ACA). Kana iwe uchinge warasikirwa nehuwandu hwebasa rako-hunopa iyo inoonekwa sechiitiko chinofanirwa kuitira chinangwa chokuwana chinyorwa pasi peAACA. Izvi zvinoreva kuti iwe unogona kuwana kugoverwa kunze kwekugara kwenguva yakazara yekunyora. Kune avo vakangotanga kuenda kumusha, izvi zvakakosha nekuda kwekuti mari inobhadharwa mari inowanikwa pasi peNotengeswa Care Act. Zvichienderana nehuwandu hwemhuri yako itsva yemari yemari mushure mekurega basa rekutanga iwe unogona kukodzera kubhadhara mari yemishonga yeinishuwarenzi. Izvi zvibatsiro zvakabva pane zvamakashandurwa zvakagadziridzwa mari yakawanda mukati megore iyo mutemo uri kushanda. Iwe unogona kutanga kuenzanisa maitiro emitemo muhutano hwako paHoodCare.gov. Iwe unogona zvakare kuenzanisa kana iwe uchakwanisa kuwana mari yekushandisa mari inoshandiswa uchishandisa Health Insurance Marketplace calculator inowanika kuburikidza neKaiser Family Foundation.
Tarisa nemushandi wako wekare kana kuti wekare kuti uone kana iwe uchikodzera kubhadhara hutano hwehutano. Chikamu chevakabhadharwa chakafukidzirwa nevashandirwi-vakapa retiree yehutano yehutano yakaderera zvakanyanya mumakumi mashoma mashoma apfuura. Maererano neKaiser Foundation chete 16 kusvika ku25 muzana yevakabhadharwa vakanga vaine rubatsiro rweMedare. Kana iwe uine retiree yehutano inshuwarisi iripo, iva nechokwadi chokuti iwe unoteerera mazuva ekubatira uye zvezera zvekuda kukodzera. Zvakakoshawo kuziva kuti zvibatsiro izvi zvinoshandura sei iwe uchiri kuyaruka.
Shandisa COBRA kuchengetedza boka rekuvhara kwemwedzi kwemwedzi gumi nemana. Paunenge uchirega basa iwe unogona kusarudza kuramba uchienderera mberi kweboka rako pasi peCOBRA kwemwedzi 18. Asi zvikwereti zvako zvingangowedzera zvakanyanya sezvo iwe ikozvino uri kubhadhara mubayiro wakakwana iwe pachako. Chimwe chinhu chinogona kunge chiripo kana iwe wakagadzirisa chirongwa chehutano huripo huripo kuti uregedze mari iyo iwe unogona kuwana chirongwa chekuraira hutano. Ramba uchiyeuka kuti kana iwe uine rekuchengetedza kwehutano, unogona kushandisa mari kubva kuHSA kubhadhara mari yemishandiro yemishuwarenzi yekugoverwa kwekuchengetwa kwehutano kuburikidza neCOBRA. Kubatsirwa kokusarudza kuparidzirwa kweCOBRA ndeyekuti inishuwarenzi yako inoshandiswa uye iwe haufaniri kuchinja vateresi. Chinhu chinonyadzisa ndechokuti iwe zvino uri kurasikirwa nemushandirwi akatsigira rubatsiro uye uchabhadhara mari yose yehutano wako yehutano yeruzhinji.
Muchiitiko chaunenge uine mamiriro ezvinhu akambovapo uye uchange uchisara mumwedzi gumi nemasere ekushandura 65, COBRA inogona kupedzisira yava yako yakanakisisa kusarudzwa munguva ino yekusatenda. Chero bedzi uchiramba uripo kubhadhara miriyamisi yako, uchakwanisa kuchengetedza kuparidzira kusvikira iwe uchikodzera Medicare. Kana iwe usina mamiriro ezvinhu akambovapo, kusarudza COBRA kuchakupa imwe nguva yakawedzerwa kuti uone matanho ako anotevera ye inshuwarisi. Zvisinei, zvinotoneka kuti mari shomanana inoshandiswa pakurambidzwa ichawanikwa kana iwe uchiwana chinyorwa pasi pe ACA.
Tsvaga basa rekushanda kwenguva yakawanda rinopa ruzivo rwehutano hwehutano inshuwarheni. Vamwe vashandirwi vane rupo kune vamwe mubazi rekubatsira. Kana uri kufunga nezvebasa remaawa panguva yekurega basa, iwe unogona kukwanisa kuwana mari yakawedzerwa apo uchiwana inshuwarhu yehutano. Iwe unogona kunge uchiri kuvhara zvose kana zvizhinji zvekutengesa kwehutano hwehutano hwako. Zvisinei, kuburikidza nekutora chikamu muchironga cheboka iwe unogona kuva nehuwandu hwehuwandu hwakakwana. Tarisa kuti uone kana vashandi vanogona munzvimbo yako vanopa inshurensi yehutano yevamwe vashandi venguva yakazara.
Nzira Dzokutora Kudzora Kwezveramangwana Utano Hwako Mari
Heano zvimwe zvimwe zvinhu zvaunofanira kufunga nezvazvo zvinobatsira kuderedza mari yako yehutano yehutano:
Tora uchishandisa kero yezvokuchengetedza kwehutano paunenge uchiri kushanda. Kana iwe wakafukidzwa pasi peurongwa hwehutano hwakakosha, iwe unogona kuchengetedza zvekushandisa kwehutano hwehupenyu mune ramangwana rekuchengetedza kwehutano (HSA). Nhoroondo dzekuchengetedza utano dzakakosha zvikuru nokuti dzinopa katatu kubhadhara mitero. Mari yaunoisa muHSAs inoderedza mari yako yazvino inotengesa, inowedzera mitero-inoderedzwa, uye inobuda panhoroondo yako yemutero usingabhadhari chero bedzi iwe uchishandisa iyo yehutano yakabatanidzwa.
Iva netsika dzehutano huchakubatsira kare uye shure kwekunge iwe uchisvika pakubhadhara. Kudzivisa maitiro ehutano hwakadai sekusvuta nekurema kunogona kukubatsira kuti urege kuramba uchienda munzira inoenda kune yepamusoro uye yezvino. Zvinokoshawo kuti uve murwere ane ruzivo. Maererano nehutano hwehutano hwokuverenga nekunyora akadai saEdLogics, chinonyanya kukoshesa dzidzo yemakore anopfuura makumi mashanu ekudhura kwepamusoro kusanganisira zvirwere zvemagetsi, chirwere chemwoyo, uye chirwere cheshuga chichabatsira vanhu kuti vatore matanho nekuvandudza hutano hwavo hwose uye hukama hwakanaka. Bhizinesi reAmerica Merrill Lynch tsvakurudzo yakaratidza kuti inenge zvikamu zviviri kubva muzvitatu hazvisi kuponesa zvakanyanya muzvigadziro zvekurega basa kubasa nekuda kwemari yeutano. Utano hwakanaka hwehutano hunogona kubatsira kuchengetedza mari yako pasi panguva yekurega basa. Asi mararamiro ane hutano angavewo akakosha pakuvaka dendere rakakura rekusiya basa.
Ita chirongwa chebhajamiro chekurega basa. Kuumba bhoppark kuongororwa kwemararamiro ako emararamiro anodiwa uye zvido zvinogona kukubatsira kuti uongorore zvidimbu zvaunoda zvekuripira mari mumari yanhasi. Izvi zvinogona kubatsirawo kana uchitarisa zvinokonzerwa nemari yakasiyana-siyana inogona kuchinja kana iwe ukasiya basa rako (premium premium yehutano, mafirimu, etc.).
Wedzera Cash Reserves yako. Vazhinji vanoronga mari vanorayira kuchengetedza kwemwedzi 3 kusvika ku6 yekugara kwemari mune imwe mari yekukurumidza. Kana iwe uri kurega mapurisa iwe unofanira kufungidzira kuchengetedza zvakawanda kupfuura iyi bhakatori yebhota. Kuvaka nguva pfupi yekuchengetedza mvura mumakondomu akadai seakaunti yekuchengetedza, kutarisa kufarira, mari yemakakiti mari, maCD mashoma kwenguva yakareba kana mabhizimisi ehurumende zvinogona kukubatsira kuti uone huwandu hwenhepfenyuro yehutano hwehutano huripo. Iyi mari yakawedzerwa inogona kubatsirawo mukuchengeta mari yako inobhadharwa nechepasi sezvinobvira. Utsigisi hwehutano hwehutano hunotarirwa kuchinjwa kugadziriswa mari yakawanda yegore raunoda kuparidzirwa.
Shandisa nzira dzakanaka dzokugadzirisa mitero yekubhadhara kuti uchengetedze mari yako yepamusoro inodhura pasi Iwe unenge usingadi kubvisa mari isati yatanga kuisa chirongwa chekuwana mari. Saizvozvowo, iwe unofanirwa kuva nehurongwa hwehutori hwekubata iwe kuti uwane nzira dzekugadzirisa mari yako yekusarura mumutero unobata mari. Kune vashandi vepakutanga vanovimba nekuchengetedzwa kwakavimbiswa kuburikidza nehutano hwemari, mararamiro emitero anogonawo kukubatsira iwe kuderedza zvimiridzo zvako. Mitero isina mari yemitero kubva kuRoth 401 (k), Roth IRA, kana HSA inogona kuva chikamu chinokosha cheurongwa hwemutero wako. Sezvambotaurwa, ACA rubatsiro rwehupfumi huripo mari inobva mugore rekutanga. Kubudirira kwekodzero yemutero kunogona kukubatsira kuti uwane zvinangwa zvemararamiro emararamiro asi uchideredza mari yehutano inshuwarheni.
Ona nyaya ino kuti uwane mamwe mashoko pamusoro pekuwana inshuwarano yehutano paunotora basa.