Ubwino, Zofanana ndi Zosiyana pakati pa HSAs ndi FSAs
Malingaliro Osavuta Ogwiritsira Ntchito ndi Mauthenga Osungira Zaumoyo ali mwayi awiri Amerika angasankhe kusiya ndalama pa malipiro awo kuti agwiritse ntchito ndalama zothandizira. Kuyika pambali kumatanthawuza kuti ndalama zimalowa mu akaunti kuti iwe uzigwiritsa ntchito kenako. Nkhani iliyonse ili ndi phindu lake komanso malamulo osiyana siyana. Pali kusiyana kwakukulu pakati pa Flexible Spending Accounts (FSAs) ndi Maakaunti Okhudzidwa ndi Kupeza Moyo (HSAs).
Chinthu chachikulu kwambiri pakati pa FSAs ndi HSAs
Chofunika kwambiri pakati pa nkhani ziwiri ndikuti mumaloledwa kupatula ndalama musanapereke msonkho pamsonkho. Malinga ngati ndalamazo zimangogwiritsidwa ntchito pokhapokha ngati "ndalama zoyenera" (onani m'munsimu) ndiye kuti simudzalipira msonkho pa ndalamazo.
Misonkho yamtundu umenewo usanakhalepo ukhoza kuwonjezerapo ndalama zambiri. Chitsanzo: Ngati mumagwiritsa ntchito madola 500 pazinthu zokhudzana ndi thanzi lanu mutatha kulipira msonkho, mutha kupeza ndalama zokwana madola 650 kuti muyambe (malinga ndi misonkho ya msonkho yomwe muli nayo.) Ngati muika ndalamazo mu HSA kapena FSA, kutanthauza kuti simukuyenera kulipira misonkho, ndiye kuti mumangopeza ndalama zokwana madola 500 kuti mupeze ndalama zokwana madola 500. Momwemo, munagwira ntchito zochepa kuti mupeze ndalama, ndipo ndalama zokhudzana ndi thanzi lanu zinali $ 150 zochepa.
Kusiyana kwakukulu pakati pa FSAs ndi HSAs
Tawonani kusiyana koyamba, komwe kaŵirikaŵiri kumasokonezeka pamene awiriwa akufanizidwa.
FSA ndi akaunti yogula . Izi zikutanthauza kuti muyenera kuyembekezera ndalama zomwe mwaziika mkati mwa chaka chomwe chimaikidwa pambali. HSA ndi akaunti yosungirako , kutanthawuza, mungasunge ndalamayo mpaka mutayifuna, ngakhale simukusowa mpaka zaka zambiri.
Mwachidule pa Account Flexible Spending Account
Ndalama yogwiritsira ntchito ndalama ndi chaka chimodzi.
Mwezi uliwonse m'chaka chomwecho, ndalama zomwe mwatsimikiza kale zidzatengedwa kuchokera ku malipiro anu ndikuyika mu akaunti yanu kuti mugwiritse ntchito panthawi yomweyi. Mungagwiritse ntchito ndalamazo kuti mukhale ndi "ndalama zokwanira" zomwe zimatsimikiziridwa ndi Internal Revenue Service (IRS).
Ndalama zoyenera zingakhale zachipatala, koma angakhalenso kusamalira tsiku (kwa ana kapena okalamba, akuluakulu okhudzidwa), amodzi. IRS imasunga mndandanda watsopano wa FSA ndalama zoyenera zachipatala.
Kuti mugwiritse ntchito ndalama zomwe mwasankha, mumapereka msonkho wa ndalama zomwe mukuyenera kupereka kwa munthu wina amene mwakhala naye payekha yemwe wasankhidwa kuti asamalire ndalamazo. Munthu ameneyo ndiye amapereka mapepala anu ku bungwe loyang'anira FSA yanu ndipo mukubwezeredwa kuti ndalama zanu. M'zaka zaposachedwapa, antchito akuluakulu ayamba kutulutsa makhadi a debit kuti apeze FSA yanu mwachindunji kotero kuti simukuyenera kudutsa ndondomeko yobwereza.
Chinsinsi cha FSA ndi chakuti chimagwiritsa ntchito-kapena-kutaya-icho. Ndalama zomwe mumapatula chaka chimodzi ziyenera kugwiritsidwa ntchito chaka chimenecho, kapena zidzatayidwa. Ndicho chifukwa chake ndikofunikira kulingalira mozama momwe mumaganizira kuti mumagwiritsa ntchito ndalama zogulira chaka chilichonse.
Monga momwe ziliri ndi pulogalamu iliyonse ya boma, mukufuna kudziwa malamulo ogwiritsira ntchito FSAs kuti muzitsimikizira kuti FSA ndi yabwino kwa inu.
Zachidule za Akaunti ya Umoyo Wosunga
Nkhani yopezera ndalama ndi zaka zambiri, mwinamwake ngakhale moyo wonse umapatula akaunti. Malo ogulitsira ku akaunti angayambe mwachindunji kuchokera ku malipiro anu, abwana anu angapereke ndalamazo ku akaunti, kapena mungapange ndalama zanu nokha. Monga tafotokozera pamwambapa, ndalama zomwe zimapulumutsidwa ku HSA sizinalipira msonkho.
Nthawi ikafika yomwe mudapereka ndalama zothandizira odwala , mukhoza kudzibwezera nokha ku HSA yanu. Mosiyana ndi FSA, ndalama zokha zokhudzana ndi zachipatala kapena zaumoyo zimayenera kubwezera ku HSA yanu. Ngati mutenga ndalamazo pazifukwa zina, zidzakhale zokhoma misonkho komanso zotheka.
IRS imakhala ndi mndandanda wa ndalama zomwe amagwiritsira ntchito HSA. Mndandanda umenewo umaphatikizapo kugulitsa ndalama, kudula ndalama, ndalama zamagetsi, katundu wodalirika monga zingwe kapena magalasi.
Phindu lalikulu kwa HSA ndilokuti ndalama ndi zanu nthawi zonse kuti musunge kapena kugwiritsa ntchito. Sizimatha kumapeto kwa chaka. Mungasunge ndalama za msonkho ku HSA pamene muli zaka za 20, ndipo musagwiritse ntchito mpaka mutakhala zaka 60 kapena nthawi zina.
Ngakhale zikuoneka kuti nkhani yosungira ndalamayi ingakhale yanzeru kwa aliyense, sikuti aliyense amaloledwa kukhala ndi HSA. Ndiwo omwe ali ndi ndondomeko ya inshuwalansi yapamwamba kwambiri yomwe angakhazikitse HSA kuti agwiritse ntchito phindu la msonkho. Malamulo onena za kuchuluka kwa deductible ayenera, ndi kuchuluka kwa ndalama zomwe zingapulumutsidwe zimasiyana chaka ndi chaka.
Musanakhazikitse HSA, mufuna kumvetsetsa momwe HSA imagwirira ntchito , komanso momwe ikugwirizanirana ndi ndondomeko ya inshuwalansi yapamwamba kwambiri, kuphatikizapo malamulo ndi malire a kupulumutsa ndi kubwezera.