Chii Chirongwa Chekuchengetedza Utano kana HSA?
A Health Account Account nderopa rakasiyana-siyana rekuchengetedza mari isina mari yaunogona kushandisa kuti uchengetedze mari yemari yezvechiremba kana iwe wakanyoresa muurongwa hwehutano hwehutano hwakakosha .
Utano Kuchengetwa Nhoroondo kune zvikomborero zvakawanda uye zvinogona kupetwa semidziyo yekuchengetera iwe kana iwe usingashandisi mari iri muurongwa hwezvokurapa.
A Health Saving Account kana HSA inowedzera huwandu hwehupfumi hwehutano huripo. Nhoroondo Yenyu Yokuchengetedza Utano ichakubatsira iwe kubhadhara mari yekurapa iyo inishuwarenzi isingabhadhara nokuti inowira pasi pekuderedzwa kwakakwirira. Kunze kwekukubatsira kuti uise mari yekubhadhara mari yekutengesa mari iyo inshurensi yehutano isingabhadhara, imwe yekubatsira kweAalth Savings Account ndeyokuti iwe unogona kuisa mari muHSA usati wabhadhara mutero pairi. Mukuwedzera, zvirongwa zveAalth Savings Plans zvinogona kukubvumira kuti uwane chikwereti pamari yavo kana ichinge yakagara munhoroondo.
"Trumpcare" Inotarisa Kuwedzera paImagariro Ekuchengetedza Utano
Kunyange zvazvo zvizhinji zvezvinorehwa nehutano hwehutano hwehutano, kana kuti "Trumpcare" zvinokonzera kushungurudza kwakawanda, chimwe chekutsvaga inshuwarhu yehutano yehutano nehuwandu hwehutano huri kutarisa muhutano hwehutano hwehutano hunokubvumira kuti uzarurire Aalth Savings Account kana HSA.
Nokuda kwekushandurwa kwakanaka kune HSA yehutungamiri huripo huri kutarisa kuenderera mberi, Maintenance Health Savings ari kuwedzerwa kuwedzerwa, uye zvichida zvakanyanya kuchinja. Semuenzaniso, imwe yekudzokorora iri patafura inogona kuderedza chirango chokubvisa mari kubva kune HSA nekuda kwekusava nemari yezvemari vasati vava nemakore makumi matanhatu nemashanu kubva pane ikozvino 20% (pasi peBobamacare) kusvika 10% (pasi peTrondcare yakarongwa).
Is High Deductible Health Plan uye HSA Chaizvo Chaicho Chinangwa Chakanaka?
Maererano naKaitlin Donovan, Mutungamiri wePreach and Public Affairs paNational Patient Advocate Foundation, mubvunzurudzo yenyaya yedu pamusoro pe "Nzira 10 Dzakachengetedza Utano Hwako neUnishuwarenzi Zvisingakwanisi" , Health Savings Accounts ndechimwe pfungwa kana iwe uine imwe. Mukadzi Donovan akakurudzira kuramba achiishandisa. Nezveramangwana rezvirongwa zvehutano zvishoma zvisinganzwisisiki, chinhu chimwe chine ramangwana rakanaka ndiyo kushandiswa kushandiswa kweHSA muzvirongwa zveRepublican uye " Trumpcare" .
Ndeipi Kubatsira kweHSA?
Nhoroondo dzekuchengetedza hutano zvirongwa zvinonakidza zvekuchengetedza mari pane inshuwarhu yehutano uye zvichida kwenguva refu. Hezvino nhanho mbiri dzeHSA dzinoita kuti zvikwanise kufunga nezvechigadziro chekuchengetedza mari pamusoro pehutano hwehutano hurongwa, uyewo sarudzo yekuchengetedza mari.
5 Kubatsirwa kweHSA
- Iwe unogona kuisa mari muHSA yako isati yatererwa. Izvi zvinoreva kuti iwe unogona kuisa kumiganhu yakatarwa kunze kwekuteerera kwehutano hwako, kusina mutero.
- Kufarira kunowanikwa pamari yako muHSA kunewo musero mutero.
- Kana iwe usingashandisi mari iri muHSA yako, inotakura kune gore rinotevera, hauri kurasikirwa nemari yako. Fungidzira kuti zviyero izvi zvinogona sei kuumba zviuru zvemadhora kwauri kwenguva pfupi, mutero usingabhadhari, kana iwe usingadi kuushandisa kuchiitiko chekukurumidzira.
- Imwe rubatsiro yeHSA ndeyokuti kana ukazosvika makore makumi matanhatu nemashanu, uye wakave nerombo rakakwana kuti usashandise mari yose yakasara muAalth Savings Account, unogona kuishandisa kusingabhadhara mutero. Ichi chikuru nokuti chakafanana nechikwata chechipiri chekubhadhara mari, chakakuchengetedza mari pamarongwa ekuchengetedza hutano munzira.
- Kana iwe ukapedzisa kubvisa mari kubva kune HSA yako yezvokurapa, iwe unogona kukwanisa kukodzero dzepamusoro pamitero yezvokurapa zvichienderana nemamiriro ezvinhu akasiyana.
Uyewo funga kuti HSA inotarisa sei kune FSA .
Mazano Okusarudza Aunti Yakanaka yeHSA
Nokuti nhoroondo dzeHSA hadzisi kushandisa chete kubhadhara mari yezvemari iwe pachako asi inogona kuitawo sekuchengetedza midziyo yenguva yako yemberi kana iwe usingashandisi, zvino zvakakosha kufunga pamusoro peizvi semhando yekutsvaga yekambani.
- Ngwarira pamusoro pekutonga mitsara kana mari.
- Iko mari yekufambisa inodzingwa here kana iwe uine huwandu hushoma huripo?
- Bvunza kana iwe ukakwanisa kukwanisa kubhadhara kero yako paIndaneti
- Iwe uchava nekadhi yebhadharo here?
- Tsvaga kuti chinangwa ichi ndechipi kana iwe uchida kubvisa mari kune chiremba wezvemishonga kana kubhadharwa nekuda kwekubhadhara mari. Vanoita kuti basa rive nyore here? Pane kunonoka here?
- Ndezvipi zvaunogona kutenga mari?
Mari Yakaderera yeHSA
Kunyangwe iwe usingadi kuti uve nehuwandu hwemari kana mari yakawanda munhoroondo kuti uve neHSA, vamwe vatungamiri (bhengi, chikwereti chekambani kana kambani ye inshuwarisi inotarisira HSA yako) inogona kurega mari kana iwe warova huwandu hwemari. Zviri pachena, chirongwa chine uwandu huri pasi hunogona kukuchengetedza mari yakawanda mubhadharo paunenge uchitanga neHSA yako.
Kudzidza pamusoro pemari yeHSA mutungamiri wako iwe unogona kubhadhara mari huru yekuchengetedza mari, uye inofanira kuva mubvunzo unokosha pakusarudza nzvimbo yakanakisisa yekuzarura HSA yako.
Kwamunoenda Kuenda Kugadzira Aunti Yekuchengetedza Utano
Kutanga Aunti Yekuchengetedza Utano hakusi kwakaoma. Iwe unogona kuisa account yako ne:
- Mabhangi
- Brokers uye vatariri vezvemari
- Zvikwereti Zvekodhi
- Insurance Companies
Mabhangi, Zvikwereti Zvekweretheni, uye Inishuwarenzi Makambani achave nevezvirongwa zvavo pachavo kuti vakupei. Mabhengi achava nemaitiro akawanda. Inogona kunge iri pfungwa yakanaka kubvunza bhadha rako pamusoro pezvirongwa zvavo, uye zvino taura kune mutengesi anogona kugadzirisa dzimwe sarudzo. Shandisa mazano ekusarudza yakanaka HSA kumusoro kuti uone kuti HSA ichave yakakunakira iwe. Kuva nerubatsiro rwevatengesi vane mvumo kana mupi wezano rezvemari vangakupa mamwe mararamiro. Pakupedzisira kuita zvishoma zvitsvakurudzo zvingakubatsira iwe kuwana mari yakawanda mukufarira, kupedza zvishoma mumari uye kukupa zvakanyanya kutarisa kwekodha yako.
Ndeapi HSA Contribution Limitengo?
Muganhu weHSA mupiro muna 2018 uchava $ 3450. Kusiyana, muna 2016 purogiramu yemunhu mumwechete yaiva $ 3,350, izvi zvakawedzerwa kusvika ku $ 3400 nokuda kwehuwandu hwehumwe humwe muna 2017. Chikwata chezvipo chave chichikwira madhora makumi mashanu pagore pakugadzirisa kwezvinhu, izvo zvinobvumira kuchengetedza kwakanyanya kunogona kukurumidza kukurumidza muHSA yako.
Pamhuri mhuri yeHSA ya2018 ya $ 6900, izvi zvichamuka kubva kumuganhu we2017 we $ 6 750. Miganhu yemiganhu yemhuri inokwira nemadhora 150 egore rekubatsira ra2018 richifananidzwa negore rapfuura.