Ndondomeko za Ndalama Zomwe Mungakwanitse Kupeza Zopambana
Si zachilendo kukhala ndi vuto kulipira umoyo wanu inshuwalansi deductible -zinthu zopatsa ndalama ndi mazana kapena zikwi za madola. Ndipo ngati mulibe ndalama zochuluka zogulira, zingamve ngati kuti deductible yanu ndi yaikulu kwambiri.
Zosankha zanu zogwiritsira ntchito ndalamazo zimadalira ngati muli ndi ngongole yanu pakali pano kapena ngati mukukonzekera pasadakhale.
Ngati mukuyembekezera zakutsogolo ndikuzindikira kuti mukuyenera kusintha ndi kusintha izi, pano pali njira zina zomwe mungagwiritsire ntchito ndalama zanu.
Flexible Spending Account (FSA)
Ngati muli ndi inshuwalansi yothandizira ntchito, mungathe kutenga nawo mbali ndalama zogwiritsira ntchito ndalama . FSA ndi mtundu wapadera wa akaunti yosungirako msonkho yomwe ingagwiritsidwe ntchito pokhapokha pa ndalama zothandizira zaumoyo, monga kubweza ndalama zanu, ndalama zanu, komanso ndalama zanu .
Zimagwira bwanji ntchito? Lowani FSA yanu panthawi yolembera polemba inshuwalansi yaumoyo. Wobwana wanu amatha kutenga ndalama zing'onozing'ono zisanapereke msonkho kuchokera pa malipiro anu onse ndikuziika mu FSA yanu. Pamene mukuyenera kulipira deductible yanu, mukhoza kugwiritsa ntchito ndalama zanu FSA.
Zili zosavuta kulipiritsa ndalama zanu pogwiritsa ntchito FSA chifukwa, m'malo mobweretsa ndalama zochuluka kuchokera ku khola limodzi la ndalama, mukuphwanya ndalama zowonjezera ndalamazo muzinthu zing'onozing'ono zomwe zimafalitsidwa chaka chonse.
Kuwonjezera apo, ndalama zomwe mumayika mu FSA yanu zimachokera ku malipiro anu musanabwere misonkho. Izi zimapangitsa kuti msonkho wanu ukhale wochepa-mumalipira msonkho wochepa. Chifukwa chakuti misonkho yochepa ya msonkho imene mumalandira, ndalama zanu za FSA sizidzakhudza malipiro anu a kunyumba, monga, kunena, kuika ndalama zomwezo mu akaunti yosungirako nthawi zonse.
Mwachitsanzo, mwinamwake mumagwiritsa ntchito $ 40 patsiku lanu la FSA ndi kuchepetsa msonkho wanu ndi $ 8. Malipiro anu a kunyumba adzangokhala $ 32 peresenti kuposa kale, ngakhale mutakhala squirreling kutali $ 40. (Nambala yanu yeniyeni idzadalira pakumata kwa msonkho wanu.)
Nchiyani chimachitika ngati kumayambiriro kwa chaka ndipo simunasunge mokwanira mu FSA yanu kuti mukwaniritse wanu deductible pano? FSA zambiri zidzawerengera kuchuluka kwa zomwe mudzaziika mu chaka chonse ndikukulolani kugwiritsa ntchito ndalamazo kuti mutenge ndalama zanu, ngakhale musanatengere ndalama zanu. Komabe pali ziphuphu, ngakhale:
- Ngati simugwiritsa ntchito ndalama zonse mu FSA yanu kumapeto kwa chaka, mukhoza kutaya. Mukuloledwa kubwezera $ 500 mu FSA chaka chamawa, koma mumataya ndalama iliyonse kuposa $ 500 otsala ku FSA kumapeto kwa chaka.
- Boma la federal limachepetsa ndalama zomwe mumaloledwa kuika mu FSA chaka chilichonse. Kotero, ngati deductible yanu ndiposa $ 2,500, FSA wanu adzangotenga mbali yake.
Akaunti Yopulumutsa Moyo (HSA)
HSA ndi akaunti yapadera yopezera ndalama zomwe zimagwira ntchito ndizinthu zowonongeka kwambiri. Mukuika ndalama mu HSA yanu ndikuigwiritsira ntchito ndalama zothandizira, monga ndalama zanu. Ndalama zomwe mumapereka ku HSA yanu ndizoperekedwa kwa msonkho ndipo ndalama zomwe mumapeza zimachokera ku msonkho wa federal.
Ngati simugwiritsa ntchito ndalama zanu za HSA kumapeto kwa chaka, palibe thukuta. Imakhalabe mu akaunti yanu ya HSA, kukulitsa chidwi cha msonkho mpaka mutagwiritsa ntchito. Simudzatayika kumapeto kwa chaka ngati ndalama mu FSA.
Ndipotu, ngati muli ndi thanzi labwino ndipo musagwiritse ntchito ndalama zonse zomwe mumapereka ku HSA chaka chilichonse, ndizotheka kukula zambirimbiri za msonkho. Anthu ena amaonanso kuti HSA yawo ndi nkhani ina yapuma pantchito.
Wobwana wanu angaperekenso ndalama zisanapereke msonkho ku HSA yanu, ngakhale kuti osagwiritsa ntchito onse akutero. Mosiyana ndi FSA, HSA yanu siyenela kukhala ndi inshuwalansi ya umoyo.
Mukhoza kudzikhazikitsa nokha ngati muli ndi dongosolo loyenera lachuma (HDHP).
Kuti mupeze HSA yanu mofulumira, mutha kusinthitsa ndalama kuchokera ku IRA (akaunti yanu yopuma pantchito) kupita ku HSA yanu nthawi imodzi popanda chilango chilichonse ngati mutatsatira zonse za Internal Revenue Services (IRS) mosamala. Kachiwiri, pali zovunda:
- Muyenera kukhala ndi ndondomeko yathanzi yodalirika yotsegulira kuti mutsegule HSA. Osati dongosolo lonse la zaumoyo ndi zomwe zimawoneka ngati zapadera kwambiri ndi HDHP. Ngati simukudziwa kuti inshuwaransi yanu ndi HDHP, funsani zaumoyo kapena dipatimenti yanu yothandizira kuti muyambe musanayambe kukhazikitsa HSA.
- Ngati mumagwiritsa ntchito ndalama mu HSA yanu pazinthu zina kupatula ndalama zoyenera zachipatala, mudzakumana ndi chilango cha msonkho.
- Pali malire okhudzana ndi ndalama zomwe mungagwiritse ntchito mu HSA chaka chilichonse, koma palibe malire oposa momwe angapangire mkati mwake.
Mgwirizano wa Zolinga za Umoyo (HRA)
HRA ndi mgwirizano pakati pa inu ndi abwana anu omwe amalola abwana anu kuti akubwezereni ndalama zanu, kuphatikizapo deductible yanu. Ndizofanana ndi HSA kupatula kuti abwana anu okha angapereke ndalama kwa iwo-simungathe kulipira nokha.
Popeza bwana wanu alipira ndalama, si ndalama zanu, monga ndalama mu HSA. Ngati mutasiya ntchito, mukhoza kapena simungathe kusunga akaunti-malingana ndi momwe bwana wanu adapangira HRA. Ndalama zomwe zimasiyidwa mu akaunti nthawi zambiri zimangobwereka chaka chotsatira, koma izi ndi za abwana anu.
Ndalama Zopatsana Ndalama
The Affordable Care Act inapereka chithandizo chothandizira anthu omwe ali ndi ndalama zochepa kupereka malipiro awo a inshuwalansi, mapepala, ndi ndalama zothandizira. Pali ndondomeko zopezera ndalama kuti muyenerere ndipo muyenera kukhala ndi inshuwalansi ya inshuwalansi yomwe mumagula ku inshuwalansi ya umoyo wanu .
Ngati muyenerera ndalama zothandizira ndalama , mumayesetsa kupeza ndalama zothandizira ndalama zothandizira kulipira inshuwalansi. Mungagwiritse ntchito ndalama zomwe mumasunga pa mtengo wamtengo wapatali kuti muike pa deductible yanu.
Musanyalanyaze chithandizo ichi chifukwa chakuti ndondomeko yanu yathanzi siyimapanga ndondomeko yachitsulo. Ngati mukuganiza kuti mukhoza kukhala oyenerera, phunzirani za izi tsopano kuti muthe kusankha ndondomeko yoyenera pa nthawi yotsatira yolembera. Sichidzakuthandizani chaka chino, koma chaka chamawa simuyenera kudandaula.
Ndalama Yopulumutsidwa Mwadzidzidzi
Ngati mwalangizidwa, mungathe kugula agolole ndalama zokhazokha pakhomo lililonse kuti muike pa deductible yanu. Ngakhale kuti simungapeze phindu lapadera la msonkho monga momwe mungakhalire ndi FSA kapena HSA, simudzatsutsidwa ndi malamulo ambiri a IRS momwe mungasunge ndi zomwe muyenera kugwiritsa ntchito ndalamazo.
Zingakhale zophweka kumanga ndalama zosavuta kuti muthe kulipira kwanu ngati mukuganiza za kubweza ngongole pasanafike poyandikira. Kwachidziwikire, mwayi woti mudzadwala ndi waukulu ndipo mudzayenera kulipiritsa ndalama zanu mutatha kuchipatala. Ndalama imeneyo idzafika nthawi yoyenera. Perekani nokha pasadakhale.
Konzani akaunti yapadera kuti mugwiritse ntchito ndalama zanu zokwanira. Mwezi uliwonse pamene mumalipira lendi, zothandizira, galimoto yotsimikiziranso, ndi ngongole zina, ikani ndalama mu thumba lanu la inshuwalansi deductible fund. Ngati muli ndi banki yanu mumangotumiza akaunti yanu ku akaunti yanu yosungirako ndalama kapena ndalama, mungathe kuchita izi nthawi zonse.