HSA Zvirongwa-Imitero-Inobatsira Nzira Yokuchengetedza Kwemangwana Ezvokudya Kwemari
Maererano ne IRS, "Nhoroondo yehutano yekuchengetedza utano ndeyekuchengetedzwa kwemutero uye mari yekuchengetedza yaunogadza nemudzidzisi weHSA ane kodzero yekubhadhara kana kubhadhara zvimwe zvipimo zvemari zvaunenge uchiita. Unofanira kunge uri munhu akakodzera kuti akwanise kuwana HSA. "
Izvo HSA Inoshanda Sei
HSAs zvirongwa zvekuchengetwa kwemitero-kubhadhara zvinokubvumira kuchengetedza mari yekutengesa mushure mekushandisa mari yehutano. Mari yekare isati yabhadhara inodzingwa kubva pamusoro pekubhadhara kwako kusati kwatorwa.
Iwe unofanirwa kubhadhara mu high-deductible yehutano inshuwarano chirongwa kuti uwane. Iwe haugone kuvharwa nerimwe rudzi rwehutano inshuwarano chirongwa chakadai seHMO kana chirongwa chePPO-rudzi.
Izvo chirongwa chakakwirira-chinokodzera chinofanira kusangana nemimwe mitemo. Iko kunofanirwa kuva nechepakati uye mirefu yepamusoro pane yako yakabviswa gore negore uye kuti unofanira kubhadhara mari yakawanda sei muhomwe. Kubva mugore regore ra20177, miganhu yakabatana iri $ 6,550 nokuda kwega-kugoverana chete uye $ 13,100 nokuda kwerongwa hwemhuri. Minimum annual deductibles i $ 1,300 kana iwe urikusimudzira iwe pachako uye $ 2 600 kuti uwane mhuri.
Izvo hazvina zvikwereti zvekuwana mari yekufanirwa nekodzero yehutano yekuchengetedza. Kusiyana neizvi, nhoroondo dzekubhadhara mari dzinoda kuti munhu awane mari.
Hakuchina izvo zvinoda kuHSAs.
Mipiro Inobatwa Sei
Mipiro kune HSA inotora kubhadhara patsamba yekutanga yeFomu 1040 sechigadziriswa kune mari . Iwe haufaniri kuatora sekuderedzwa kwakarongeka kwezvokurapa , izvo zvinogona kunge zvisingakwanisi kutengesa mitero nokuti izvi zvakaderedzwa zvakaderedzwa zvisingabhadharwi nemari yakabhadharwa inopfuura 7,5 muzana yemari yako yakagadziriswa yakawanikwa.
Iyi chikumbaridzo inotarisirwa kuwedzera kusvika 10 muzana muna 2019. Nhoroondo yehutano yekuchengetedza haina hutano hwakafanana.
Mipiro yemumwe mutero wemutero inokonzerwa nemusi iwoyo sezuva rekupedzisira rekuisa kudzoka kwako, kazhinji April 15. Somuenzaniso, iwe unogona kupa mari yekuita mutero gore 2018 kubvira munaJanuary 1, 2018 kusvika panaApril 15, 2019.
Pane chifukidzo chekuti iwe unogona sei kugovera uye kuchengetedza gore negore uye rinogona kuwedzera gore negore zvisinei kuti hazviiti kudaro gore negore. Kana iwe usina kuroorwa, iwe unogona kuwedzera kusvika ku $ 3 450 kusvika muna 2018, kubva pa $ 3 400 muna 2017. Muganhu wemiganhu weurongwa hwemhuri ndeye $ 6 850 muna 2017, uchiwedzera kubva pa $ 6 750 muna 2017.
Zvinosuruvarisa, hapana zvipo zveHSA kana kubviswa kwemitero kunobvumirwa kana iwe wakanyoresa mu Medicare Part A kana Chikamu B.
Mitsva Mitero-Kundiswa
Makomborero, akadai sechido uye zvikwereti kubva pamari yakapiwa kune HSA, inotora mutero-isingabhadharwi ku federal level. Kufarira kana imwe mari yekutsvaga kwekutsvaga yakawanikwa pamipiro haina kuiswa pamutero wako wekudzokera.
Kubva Kubva kuHSA Yako
Kubvisa kubva kubhuku rekuchengetwa kwehutano haisi mitero kana iwe usingashandisi mari yekubhadhara mari yekurapa yakakodzera. Izvi "zvakakosha" mari inotsanangurwa muIrS Publication 502, Medical and Dental Expenses, uye inosanganisira mari yakawanda yekurapa kubva pamapiritsi ekuberekwa kunobatsira imbwa kuvhiyiwa.
Kushandisa HSA Semutero-Wekushandisa Tool
Nhoroondo dzekuchengetedza hutano dzinobudirira kugadzirisa mutero munzira mbiri. Chokutanga, HSAs inounganidza kuwanikwa uye mari kunze kwekuzviisa pasi pekurasikirwa nenzira iyo kushandiswa kushandiswa kwemari zvikwereti. Mari inochengetwa mukati meHSA inogona kubviswa panguva ipi zvayo yezvokurapa mari kuitira kuti HSA inogona kushandiswa kuunganidza mari isina mutero inoshandiswa gare gare muupenyu. Iwe unogona kuvaka mari isingabhadhara mutero mune ramangwana rezvokurapa iwe kana iwe uchikwegura.
Chechipiri, HSAs inogona kushandiswa kubhadhara mari yezvinorapa mari. HSA inopa vanhu vane mari shomanana yezvokurapa kubhadhara mutero mberi mune gore iro mipiro inogadzirwa.
Kwatinofanira Kuda Deduction
Nzvimbo dzezvemari dzinoshuma zvipo zveHSA uchishandisa Fomu 5498-SA, iyo inotumirwa kune mubhadhari uye IRS. Iwe unogona kubva ugovera mitsva yako ye-tax-deductible HSA paFomu 8889 pamwe nemari yose inowanikwawo paFomu 1040.
Cherechedza: Zvigadziriswa zveHSA ndezvimwe zveaisakanganiswa neRhafu Cuts uye Jobs Act iyo yakasayirwa mutemo muna December 2017.