Pali ndalama zambiri zomwe tili nazo zathanzi kapena chithandizo chamankhwala zomwe sitingakwanitse kubwezeredwa kudzera m'mabuku athu owonetsera ndalama kapena Maakaunti Okhudzidwa ndi Thanzi la Umoyo ngakhale kuti zikuwoneka ngati akuyenerera.
Nthaŵi zina, zimalipira ndalama zomwe zinkabwezedwa kale, monga mankhwala osokoneza bongo, koma malamulo ndi malamulo asintha. Nthawi zina, iwo sanayambe ayesedwa kupyolera mu ndondomeko ya kafukufuku wa msonkho, monga ndalama zomwe amagwiritsira ntchito pogwiritsa ntchito wodwalayo.
Kuti mudziwe zolinga, IRS imapereka chitsogozo cha mtundu wa ndalama zomwe mungaganize kuti ziyenera kulandira malipiro kudzera ku HSA s kapena FSAs koma musatero. Pano pali mndandanda wa IRS wa mndandanda wa ndalama zomwe sizili zoyenera.
Chilichonse chomwe Inshuwalansi Yanu Yamwalipirako Chifukwa Chake Siziyenera Kulipira
Zingamveke bwino, koma ngati mukuyesa kuchuluka kwa ndalama mu Account Complex Account , ndi chikumbutso chofunikira. Muyenera kudziwa kuchuluka kwa zofuna zachipatala zomwe zimapangidwa ndi inshuwalansi, kutanthauza kuti simudzalipira kuchokera mthumba lanu, choncho simudzasowa kubwezeredwa.
Mwachitsanzo, ngati dokotala akukulimbikitsani kuti musiye kusuta fodya, amakulemberani kalata kuti muthandize, ndipo mumalipilira ndalama zokhazokha kuti mugwiritse ntchito mankhwala anu, ndipo perekani ndalama zokhazokha pokhapokha mukukonzekera, osati ndalama zonse mankhwala.
Kulimbana ndi Mankhwala Osagwiritsidwa Ntchito Mwamwayi Sali Oyenerera Ndalama Zamankhwala
Zaka zisanafike chaka cha 2011, mankhwala owonjezera omwe akuyenera kukhala monga HSA kapena FSA ndalama ndipo akhoza kubwezeredwa. Komabe, izi sizowonjezereka pokhapokha ngati mutatha kutenga dokotala kuti alembe kalata ya mankhwala osokoneza bongo omwe mumatenga.
Ngati dokotala akulangizani mankhwala osokoneza bongo monga aspirin tsiku lililonse kapena mavitamini, funsani dokotala kuti alembe mankhwalawa, ndipo mutha kuzilemba pazofunika zanu.
Mankhwala Ena Amano Sagwirizana ndi Ndalama Zamankhwala
Mankhwala amathithi amaonedwa kuti ndi oyenerera ndalama ngati ateteza kapena kuthetsa mavuto a mano.
N'zoona kuti sikuti ntchito iliyonse yoperekedwa ndi dokotala amathandiza kapena kuthetsa mavuto. Mwachitsanzo, kuchenjeza dzino sikuphatikizidwa chifukwa sikunatengedwa ngati thanzi kapena mankhwala. Choncho, si ndalama zothandizira kuchipatala, kubwezeredwa ndi HSA kapena FSA.
Malamulo ena a Inshuwalansi a Zaumoyo Sali Oyenerera Ndalama Zamankhwala
Ngakhale malipiro ambiri omwe mumalipirako okhudzana ndi zaumoyo angathe kuonedwa kuti ndi oyenerera ndalama, osati onse omwe angathe.
IRS sikukulolani kuti muphatikizepo phindu lililonse kapena gawo la malipiro anu omwe munalipiritsa ndi abwana anu, komanso simungaphatikizepo ndalama zothandizira inshuwalansi ya moyo wanu, gawo lanu la galimoto yanu inshuwalansi (ngakhale ndalama zothandizira) kapena ena. Dziwani momveka bwino zomwe ziri, kapena ayi, zomveka kuti zikhalepo.
Omwe Ambiri Odzidzira Zokambirana, Ma Spas kapena Ma Clubs Amagulu Sali Oyenerera Ndalama Zamankhwala
Ngakhale kuti ndalama zowonongeka zingakhale zofunikira zothandizira kuchipatala ngati dokotala wanu akuwalimbikitsa, chiwalo chanu chochita masewera olimbitsa thupi kapena ntchito zopezeka ku spa kapena gulu lazaumoyo sangakhale - malingana ndi momwe mukugwiritsira ntchito mautumikiwa.
IRS imasiyanitsa pakati pa kutaya thupi poyang'ana chifukwa vs kutaya kulemera kwa chithandizo chamankhwala pansi pa chisamaliro cha dokotala. Musanayese kubwezeredwa chifukwa cha ndalamazi, kapena musanati muwauze kuti mukukonzekeretsa pa akaunti yanu ya Flexible Spending Account, funsani kawiri kawiri ndi pulogalamu ya FSA kapena HSA pulogalamu yanu kuti mudziwe ngati angabwezere.
Mankhwala kapena Mankhwala Osokoneza Bongo Amene Mumagula Kuchokera kunja kwa United States Musagwirizane
Ngati mukuyesedwa kuti mulowe mankhwala osokoneza bongo kuchokera kudziko lina , musayese kubwezeredwa chifukwa cha mtengo wa mankhwalawa ngati ndalama zomwe mukuyenera kuchipatala kudzera mu FSA kapena HSA yanu.
Ndalama zoyimira Odwala Pakati payekha Siziyenera Kugwiritsa Ntchito Ndalama Zamankhwala
Pogwiritsa ntchito wodwala wodwala wodwala kungakhale njira yabwino yopititsira patsogolo mwayi wanu wa zachipatala, IRS siiliyilembedwe pakati pa ndalama zovomerezeka zowonjezera kubwezeredwa pansi pa FSA kapena HSA.
FSA ndi HSA Kuyenerera Kuyenerera
Musaiwale kuti ngakhale kuti pali ndalama zochuluka zamankhwala ndi zaumoyo zomwe siziloledwa kubweza ngongole kudzera mu FSAs ndi HSAs, pali zambiri zambiri zomwe ndizofunika zothandizira kuchipatala .
Pakubwera nthawi kuti mudziwe ndalama zomwe muyenera kuziyika mu Account Complex Account, kapena ngati ndalama zina zimayenera kubweza, mungathe kufunsa akatswiri amisonkho ngati simungathe kuzilemba pazinthu izi.