Nhoroondo yekuchengetedza kwehutano inogona kushandiswa sei kuwedzera yako yekurega mari.
Chii chinonzi Health Savings Account (HSA)?
An HSA ihomwe yevanhu vanogona kugadzirisa mari yavo yeramangwana.
Kuti zvikwanise kugadzira HSA, mumwe munhu anofanira kuvharwa neHigh Deductible Health Plan (HDHP). Sezvo HDHPs inowanzobhadhara kudarika hutano hwehutano inshuwarheni , vanhu vanogona kunyanya kushandisa mari yekubhadhara mari yekubhadhara HSAs avo.
Chii chinonzi High Deductible Health Plan?
IHHHP chirongwa chisina kupa zvakawanda munzira yekugadzirisa zviitiko zvekurapa nguva dzose sekushanyira chiremba nokuti unofungidzira chirwere. Pane kudaro, huwandu hweHDHP hunonyanya kukosha mari dzinoshandiswa zvakadai semitengo inodhura yakafanana nekuvhiya kana zvimwe zviitiko zvezvechiremba zvinoda kuparidzirwa.
Kunyanya, HDHPs sekunyora uku muna 2016 inogona kubhadhara mari inenge isingasviki $ 1,300 nokuda kweurongwa wega uye $ 2 600 kune mumwe munhu pamwe nemhuri yeurongwa. Iyo yakawanda yakawanda ye-ye-pocket mipera ine $ 6,550 (munhu oga) uye $ 13,100 (munhu nemhuri).
Iwe Unogona Sei Kupa Mupiro kune HSA?
Mari yaunogona kupa kune HSA yakasiyana-siyana zvichienderana nemhando yeurongwa waunayo, makore ako, uye gore rekarenda.
Muna 2016, somuenzaniso, zvipo kune HSA yakavhara munhu pasi pemakore 55 zvinogona kusvika kusvika $ 3 350. Vashandi veHSA vanogona kuchengetedza kusvika ku $ 6 750 kuti mhuri igovheneke. HSA vane makore 55 nevekare vanowana kuchengetedza mari inopfuura $ 1 000 inoreva $ 4,350 kune mumwe munhu uye $ 7 750 pamhuri - uye zvipo izvi ndeye 100% mutero inotorwa kubva pamari yakawanda.
Chipo cheHSA chinokonzera mune-pamusoro-in-line kubhadhara mutero pamutero wekudzokera . Somunhu akadaro, munhu haafaniri kuve akafanirwa kuitira kuti awane mukana wokubhadhara mutero kubva kune mupi weHSA.
Ndeipi nguva yekupedzisira yekuita mupiro kune HSA?
Mipiro yeHSA inogona kuitwa kusvikira musi waApril 15, 2017, mugore ra2016. Iwe unosvikira mutero unonyora zuva rekupedzisira (risina kusanganisira chero zvakapetwa) kuti upe zvipo zvakapetwa kuHSA yako kana iwe usati watova nemari yezvipo zvako kuburikidza nekubhadharwa kwemitemo panguva yegore remwedzi. Kuti ushandise mukana wekuwana mukana wekutengesa mutero, iwe unofanirwa kupa zvipo zvakananga kune imwe nhoroondo yeHSA nekunyora zvakananga cheki kana kugadzirisa kuwedzerwa kwekutsvaga kubva kubhengi yako yebhangi.
Nzira yeHSA Inogona Kubatsira Sei Mukuronga Kwekugara
An HSA inogona kukubatsira kusvika kune zvinangwa zvekushandira basa mumatambudziko maviri. Chokutanga, zvose zvehutano mari yaunoshandisa zvinogona kubhadharwa nemari (uye chero mari yaunowana) muHSA yako. Hapana mutero unokonzerwa pamitero yakadaro. Zvechokwadi, iwe unowana kukura kusina mutero (kufanana neRoth IRA inopa) pamari yaunopa kuHSA yako iyo inoshandiswa pakushandisa mari yekurapa.
Chechipiri chikuru chinogona kubatsirwa neHSA inoitika kana iwe uine mukana wakakwana wehutano hwakanaka.
Kana iwe ukaunganidza mari inokosha muHSA yako yakadai zvokuti iwe haufungi kuti iwe uchishandise kune mari yekurapa, unogona kubvisa HSA yako mari panguva yekurasikirwa (mushure mezera remakore 65) pasina chirango. Pamusoro pekugoverwa kwakadaro, iwe unongoda kubhadhara mutero unowanikwa mubhadharo , sezvaunoda nehuwandu hwekupararira kweIRA . Kubudirira, iwe ungadai wakabatsirwa kubva kune imwe huru pane yepachipo IRA yemiganhu yako apo iwe wakaita zvipo zvako zveHSA nguva nenguva.
Nokuda kwezvikonzero zviviri izvi, HSA inokwanisa, zvichienderana nehutano hwezvido zvehutano uye zvinotarisirwa, kuti uve chikamu chinokosha cherongwa hwako hwekurega basa.