Mosiyana ndi Account Flexible Expending Account , mukhoza kusunga Akaunti Yanu Yopulumutsa Health mukasiya ntchito yanu. Ngakhale mutatsegula HSA yanu pamodzi ndi High Deductible Health Plan (HDHP) yomwe mumapeza kuchokera kuntchito yanu, HSA yokha ndiyo yanu. Ndalama zonse zomwe zili mmenemo, kuphatikizapo zopereka zomwe abwana anu amapanga, zopereka zanu, ndi chidwi, ndi zanu.
Perekani mapepala a COBRA Pogwiritsa Ntchito Akaunti Yanu Yopulumutsa Odwala.
Ngati mutaya inshuwaransi yanu chifukwa chosiya ntchito yanu, mungagwiritse ntchito ndalama zanu mu HSA kuti mulipire malipiro apakompyuta a COBRA kupitiriza inshuwalansi yanu. Izi zimatengedwa ngati ndalama zokwanira zachipatala; simudzasowa kulipira msonkho wapadera kapena chilango cha 20% pa HSA kuchotsa msonkho wa COBRA.
Bwanji ngati simungakwanitse kugula COBRA, simukufuna kupitiliza dongosolo lanu labwino, kapena simukuyenera ku COBRA ? Malingana ngati mukulandira ubwino wa federal kapena boma, mukhoza kuchotsa ndalama mu HSA yanu kuti mupereke ndalama zothandizira inshuwalansi ya umoyo. Mwachitsanzo, mukhoza kugula ndondomeko yaumoyo kuchokera kuntchito yodalirika ya Care Act ya inshuwalansi ya moyo wathanzi ndikugwiritsa ntchito ndalama kuchokera ku HSA kulipira malipiro. Malingana ndi zomwe mumapeza, mungakhale oyenerera ndalama zothandizidwa ndi boma kuti zikuthandizeni kulipira malipiro a mwezi uliwonse kuti ndalama zanu za HSA zikulitse patsogolo.
Komabe, mukangosiya kulandira thandizo la ntchito, musaiwale kusiya kugwiritsa ntchito ndalama zanu za HSA kulipira inshuwalansi zaumoyo.
Gwiritsani ntchito HSA yanu ngati Thupi lachidziwitso
Ndalama yanu mu HSA yanu ikhoza kuchotsedwa kuti mulipire ndalama zothandizira. Koma simukuyenera kubweza ndalama kuchokera ku HSA wanu mukakhala ndi ndalama zamankhwala.
M'malo mwake, mukhoza kulipira ngongole zanu zamankhwala ndi ndalama zina (msonkho wa msonkho) ndi kusunga msonkho. Kenaka, miyezi kapena zaka kapena zaka makumi angapo pambuyo pake, mukhoza kuchotsa ndalama ku HSA kuti mudzibwezereni nokha ndalama zomwe mumalipiritsa ndi ndalama zothandizira msonkho (izi ndikuganiza kuti simunagwiritse ntchito ndalama zomwe mumalandira pa msonkho wanu chaka anawalipira iwo; simungathe kuphatikizapo misonkho, choncho ngati mutapereka ndalama, simungathe kudzipatsanso ndalama zanu zisanapereke msonkho HSA).
Choncho anthu ena amachititsa HSA kukhala ndalama zowonjezera, zomwe zimagulitsidwa m'matangadza kapena malonda kapena akaunti yokhudza chidwi, ndipo zotsatira zake zimakhala zopanda msonkho kwa chaka chimodzi kupita kwina. Amalipira ngongole zawo zonse zamankhwala ndi ndalama zina, ndipo asungire ma risiti. Ndiye ngati akusowa ndalama-chifukwa cha kusowa ntchito, mwachitsanzo-akhoza kutenga zochuluka kuchokera ku HSA pamene akhala akugwiritsa ntchito ngongole zachipatala panthawi yomwe ali ndi HSA. Ndipo kuchotsa ndalama sikunalipire msonkho, popeza kuti akugwiritsidwa ntchito kulipira ndalama zamankhwala, miyezi ingapo kapena zaka zitachitika.
Kutaya Mphamvu Yanu Yopanda Thanzi Labwino? Siyani Maphwando Anu HSA.
Ngati mutayika inshuwalansi ya HDHP, simungathe kuwonjezera HSA yanu mpaka mutenge kachilombo ka HDHP.
Ichi ndi chowonadi ngakhale mutalandira inshuwalansi ya thanzi kuchokera kumagulu osiyanasiyana a thanzi. Kusakhala ndi HDHP kukutanthauza kuti simukuloledwa kupereka nawo HSA yanu.
Komabe, mukhoza kutaya ndalama za msonkho, zopanda chilango kuchokera kwa HSA kuti mulipire ndalama zoyenera zachipatala ngati muli ndi HDHP, muli ndi inshuwalansi yodalirika, kapena simukulimbikitsidwa.
Kotero ngati mutenga HDHP kwa abwana anu atsopano, kapena kugula HDHP nokha ( mwa kusinthanitsa kwanu kapena kusinthanitsa), mukhoza kupitiriza kupereka zopereka kwa HSA yanu. Ngati mutasintha ku inshuwalansi ya mtundu wina, kapena mutha kukhala osatetezedwa kwa kanthaŵi, simungathe kupereka kanthu kwa HSA panthawi yomwe mulibe chithandizo cha HDHP.
Koma ngati mutatha kupeza kachilombo ka HDHP isanafike mapeto a chaka, ndipo mutakhala ndi chithandizo cha HDHP kuyambira pa December 1, mukhoza kupereka ndalama zonse kwa HSA yanu pachaka ($ 3,450 mu 2018 ngati muli ndi zolemba zanu nokha pansi pa HDHP, kapena $ 6,850 ngati muli ndi zolemba zanu nokha komanso wina m'banja mwanu pansi pa HDHP). Koma pali phokoso: Momwemo muyenera kusunga malo anu a HDHP chaka chonse (izi zikutchedwa nthawi yoyezetsa) kapena ngati mutapereka misonkho ndi chilango pa zina mwa ndalama za HSA zomwe munapanga chaka pamene simunali ndi HDHP chaka chonse.
Kupuma pantchito? Malamulo apadera Pempherani ku Aunti Yanu Yopulumutsa Odwala.
Mukapitirira zaka 65, mukhoza kuchotsa ndalama ku HSA mwanjira iliyonse popanda kuyang'anizana ndi chilango cha 20 peresenti chifukwa cha kuchoka kwa mankhwala. Komabe, ndalama zokha zomwe mumachoka pazifukwa zothandizira zachipatala ndizopanda msonkho. Mutha kulipira msonkho wokhazikika pa ndalama zomwe mumachokera chifukwa chosagwiritsidwa ntchito ndi mankhwala.
Mankhwala a Medicare amaonedwa kuti ndi oyenera ndalama zamankhwala, koma Medicare othandizira malamulo monga Medigap sali. Mutha kulipira msonkho pa ndalama za HSA zomwe zimagwiritsidwa ntchito pa mapepala a Medigap, koma HSA zomwe mumagwiritsa ntchito pa ndalama za Medicare sizidzakhala misonkho.
Inu simungaperekenso zopereka kwa HSA yanu mukamalowa ku Medicare.
Mukufuna Kusintha HSA Othandizira?
Simuyenera kusunga HSA yanu ndi zofanana; mungathe kusuntha HSA yanu kuchoka kumodzi osungira kupita ku ina. Mungaganizire kuchita izi ngati
- Simukukondwera ndi malipiro anu omwe akutsutsana nawo a HSA.
- Simukukhutira ndi zomwe mungasankhe pazomwe mungapezeko.
- Woteteza wanu wamakono akupereka maofesi a HSA okhazikika pa intaneti ndipo mungakonde kupeza mwayi wothandizira makasitomala pamasom'pamaso.
Kusintha kuchokera ku HSA yosungira kupita ku china kungatheke mwachindunji kutumiza katundu pakati pa osungira. Mwa kuyankhula kwina, wachikulire wanu wachikulire wa HSA amapereka ndalamazo molunjika kwa HSA wanu watsopano. Potsatira malamulo mu IRS Publication 969, "Musati muphatikize ndalama zomwe mwasandutsa monga ndalama, muzitenge ngati zopereka, kapena muziziphatikizira monga kufalitsa pa Fomu 8889."
Ena osungira ndalama amalipiritsa ndalama zowonjezera katundu kapena kutseka akaunti, kotero onetsetsani kuti mufunse.
> Zotsatira:
> Mapulogalamu a Pakhomo la mkati. Akaunti Yopulumutsa Moyo (HSA) pa Ulemerero.