Sungani Zofuna Zaumoyo ndi Akaunti Yopulumutsa Moyo

Ma ABC a HSAs ndi HDHPs!

Kodi Akaunti Yopulumutsa Moyo Ndi Chiyani?

Nkhani yopezera ndalama (HSA) ndi mtundu wa akaunti yomwe mungagwiritse ntchito ndalama kuti mupulumutse ndalama zokhudzana ndi thanzi la msonkho.

Mungathe kuwonjezera pa akaunti yopezera ndalama ngati inu:

• ali ndi ndondomeko yapamwamba ya thanzi labwino (HDHP)
• Musakhale ndi inshuwalansi yowonjezereka ya mankhwala, kuphatikizapo Medicare - komabe, muli ololedwa kukhala ndi zochitika zina zokhudzana ndi thanzi, monga ngozi, kulemala, chisamaliro cha mano, masewera a masomphenya, kapena inshuwalansi ya nthawi yaitali.

• sitingadzinenere ngati wodalira pa msonkho wa wina aliyense

Zonsezi ndi abwana anu mukhoza kupereka zopereka kwa HSA yanu. Komabe, malipiro onsewa sangathe kukhala oposa malire apakati pa chaka. Mu 2018, zopereka zonsezi ndi $ 3,450 ngati muli ndi chithandizo chokha chokhacho pansi pa HDHP, ndi $ 6,850 ngati muli ndi chiwerengero cha banja (anthu awiri kapena ochuluka) omwe ali pansi pa HDHP.

Mphatso iliyonse yoperekedwa kwa HSA yanu iyenera kukhala ndalama; Zopereka za katundu kapena katundu siziloledwa. Komanso, simungapereke ndalama ku HSA yanu mukalembetsa ku Medicare. Komabe, mukhoza kusungira ndalama mu HSA yanu ndikuigwiritsa ntchito kulipilira ndalama zothandizira msonkho.

Ngati mutaya ndalama ku HSA popanda kuika ndalama zoyenerera zamankhwala, mudzalipira msonkho pa ndalama, komanso chilango. Chilango pa zogawidwa kuchokera ku HSA yanu zomwe sizinagwiritsidwe ntchito pazofunikira zothandizira zachipatala zinawonjezeka kuchoka pa 10 peresenti mpaka 20 peresenti mu 2011, chifukwa cha Affordable Care Act.

Mapindu a Mtengo
Malinga ndi Internal Revenue Service (IRS), HSAs ali ndi ubwino wotsatira msonkho:

• Mungathe kuitanitsa msonkho wa msonkho kwa inu kapena munthu wina kupatulapo abwana anu, perekani kwa HSA yanu.
• Zopereka kwa HSA yanu yopangidwa ndi abwana anu zikhoza kuchotsedwa ku ndalama zanu zonse.

• Chidwi chilichonse kapena zopindulitsa zomwe mumapanga pa ndalama mu HSA yanu ndizopanda msonkho.
• Ndalama zomwe mumachotsa ku HSA yanu zingakhale zopanda msonkho ngati mukuzigwiritsira ntchito kulipira ndalama zoyenera.
• Palibe tsiku lomaliza la kudzibwezera nokha pa ndalama zomwe mumagwiritsa ntchito pogwiritsa ntchito HSA yanu. Malinga ngati ndalama zothandizira odwala zakhala zikugwiritsidwa ntchito mutatha kukhazikitsa HSA, mukhoza kuyembekezera zaka kapena makumi kuti mutenge ndalama kuchokera ku HSA kuti mupeze ndalama zogulira mankhwala (sungani mapepala anu, monga mumawafunira ngati IRS ikufunsani inu kutsimikizira kuti iwe watero, makamaka, kulowetsa ndalama zomwe iwe ukudzibwezera wekha).
• Pambuyo pazaka 65, mutha kutenga ndalama kuchokera ku HSA pazomwe mukufuna, popanda chilango. Koma ngati simukugwiritsa ntchito ndalamazo kuti mugwiritse ntchito ndalama zothandizira, mukulipira msonkho pazomwe mumachokera, monga momwe mungakhalire kuchokera ku chikhalidwe cha IRA.

Mukhoza kupeza zambiri zokhudza msonkho ndi malamulo (kuphatikizapo zitsanzo za momwe HSAsagwirira ntchito) mu IRS Publication 969, Mauthenga Okhudzidwa ndi Umoyo ndi Zolinga Zowonjezera Za Thandizo.

Lowani ku HSA
Mabanki, mabungwe a ngongole, makampani a inshuwalansi ndi mabungwe ena azachuma amaloledwa kupereka ndi kuyang'anira ma akaunti a HSA. Wobwana wanu akhoza kukhazikitsa dongosolo lomwe lingakuthandizeni kulemba.

Onani kuti HSA yanu si chinthu chimene mumagula; Ndiyo ndalama yosungiramo ndalama zomwe mungapereke ndalama pazikondwerero za msonkho.

Kodi Mphatso Yathanzi Yapamwamba Ndi Chiyani?

Ngati mwasankha kutsegula HSA, muyenera kukhala ndi ndondomeko yathanzi yodalirika (HDHP). HDHP ndi mtundu wa inshuwalansi yaumoyo yomwe ikuyenera kutsatira malamulo a IRS. Pali malamulo okhudzana ndi kuchepetsa malire komanso malire osatetezeka, ndipo ndondomekoyi siingapereke ubwino uliwonse kupatula chisamaliro (monga kutanthauzidwa ndi IRS) isanafike.

Mu 2018, HDHP iyenera kukhala ndi deductible pafupifupi $ 1,300 kwa munthu mmodzi, kapena $ 2,600 kwa banja.

Ndipo ndondomekoyi sikhoza kukhala ndi ndalama zokwana madola 6,550 kwa munthu mmodzi, kapena $ 13,100 kwa banja. Chiwerengero cha ndalama zochepa zomwe zimadulidwa komanso zosamalidwa zimasinthidwa chaka ndi chaka kuti chiwerengero cha inflation chiwerengedwe.

Malire apamwamba pa ndalama zowonongeka za HDHPs ndizochepa kusiyana ndi malire ambiri omwe amatha kuwonjezera pa zolinga zina . Mu 2014, iwo anali ofanana, koma njira yowonjezera malire a kunja kwa HDHPs amasiyana ndi njira yomwe ikugwiritsidwa ntchito poonjezera malire a kunja kwa mapulani ena, kotero malire apamwamba agwirizana ndi nthawi.

Chifukwa chakuti palibe ma HDHP angathe kukhala ndi malire apamwamba, HDHPs sizinthu zokhazikitsidwa ndi malipiro apamwamba kwambiri, omwe adzawoneke ngati mukugula malonda anu pamsika. Koma ngati zosankha zanu zili zochepa ndi abwana ndipo chimodzi mwa njira zomwe zilipo ndi HDHP, ndiye kuti ndalamazo ndizopangira ndalama zomwe abwana anu akupereka, monga zida zina zomwe zilipo zingakhale ndi mapindu (monga mapepala a maofesi, mmalo mwanu kuti mubwezere mtengo wonse wa ulendo wa ofesi) musanapereke deductible.

Mungagwiritse ntchito akaunti yanu yosungirako ndalama kuti muthe kulipirira ndalama zomwe mukuchita kuti musagwirizane.

A Dr. Mike Tanthauzo: Deductible - Ndalama yomwe mumayenera kulipiritsa chaka chilichonse chaka chilichonse kuti mupeze ndalama zokhudzana ndi thanzi lanu lisanayambe kulipira inshuwalansi. Pansi pa HDHP (yomwe muyenera kukhala nayo kuti mupereke ndalama ku HSA), ndalama zanu zidzakhala ndalama zokwana madola 1,300 pokhapokha mutha kuwerengera, komanso osachepera $ 2,600 kuti abweretse banja lanu.

Kulembetsa mu Dipatimenti Yathanzi Yapamwamba
Kampani iliyonse yomwe imagulitsa inshuwalansi ya umoyo mudziko lanu ikhoza kupereka HDHP. Wobwana wanu angapereke HDHP ndipo muyeneranso kupeza HDHP woyenerera mwa kulankhulana ndi kusinthanitsa kwanu , kampani yanu yamakampani ya inshuwalansi, kapena wothandizira kapena wogulitsa kuti alowe inshuwalansi ya umoyo wanu. Dipatimenti yanu ya inshuwalansi ya boma ingathandizenso za HDHP.

Kodi Ndalama Zogwiritsira Ntchito Zogwiritsidwa Ntchito Zogwirizana Ndizoyenera?

Buku la IRS Publication 502 limafotokoza ndalama zoyenerera zachipatala monga "ndalama zochiritsira, kuchiza, kuchepetsa, kuchiza, kapena kupewa matenda, komanso mtengo wa mankhwala okhudza gawo lililonse kapena ntchito iliyonse ya thupi. ochita opaleshoni, madokotala a mano, ndi madokotala ena.

Potsatira malamulo a Care Act, simungathe kubwezeredwa pa msonkho wopanda malipiro a ndalama za mankhwala owonjezera, kupatula ngati dokotala wanu akukupatsani mankhwala.

Kodi Zomwe Zimapindulitsa ndi Zopweteka Zokhudza Mauthenga Omwe Amagwira Ntchito Zaumoyo?

US Treasury Department ikufotokoza kuti ubwino wa HSAs ndi HDHPs ndi awa:

• Amapereka chitetezo pokuteteza ku ngongole zamakono kapena zosayembekezereka zamankhwala.
• Zowonjezera zingakhale zotsika mtengo chifukwa cha kuchepetsa malipiro a inshuwalansi ya umoyo, popeza zolinga sizikuthandizani phindu kupitirira chisamaliro mpaka mutakhala ndi deductible.
• Muli ndi chizoloŵezi chogwiritsa ntchito ndalamazo mu akaunti yanu kulipilira ndalama zothandizira, kuphatikizapo ndalama zomwe inshuwalansi yanu siyingaphimbe.
• Mukhoza kusunga ndalamazo mu akaunti yanu zokhudzana ndi ndalama zamtsogolo.
• Mungathe kulira akaunti yanu kudzera mu ndalama zomwe mumapeza.
• Mumapanga zisankho zonse za ndalama zomwe mungagwiritse ntchito mu akaunti yanu, kaya mupulumutse ndalama zam'tsogolo kapena kulipirira ndalama zamakono, komanso ndalama zomwe mumagula ndi ndalama za HSA. Mungasankhe kulipira ndalama za ndalama ndi ndalama zina zomwe sizinali HSA (mwachitsanzo, ndi ndalama zothandizira msonkho), sungani mapepala anu, ndikubwezeretseni nokha zaka kapena makumi angapo pambuyo pake, ndi ndalama zopanda msonkho ku HSA. Mwa njira iyi, HSA ikhoza kugwiritsidwa ntchito monga ndalama zosavuta kapena akaunti yakugwira ntchito mwamsanga.
• Mukhoza kusunga HSA yanu ngakhale mutasintha ntchito, kusintha chithandizo chanu chachipatala, kusagwira ntchito, kusamukira ku dziko lina, kapena kusintha mkhalidwe wanu wa banja. Mungathe kupereka zopereka kwa HSA yanu nthawi yomwe muli ndi chithandizo cha HDHP m'malo mwake. Koma ndalama mu HSA ndi zanu ndipo zingagwiritsidwe ntchito kuti mupeze ndalama zoyenera zamankhwala nthawi iliyonse mtsogolomu, mosasamala mtundu wa inshuwalansi yomwe muli nayo (kapena mulibe) panthawiyo.
• Ndalama zanu zimakhalabe mu akaunti chaka ndi chaka - palibe "kugwiritsa ntchito kapena kutaya" malamulo

Kuphatikizanso apo, HSA yanu imakupatsani inu ndalama zitatu za msonkho:

1. Malipiro a msonkho pamene mupereka ku akaunti yanu
2. msonkho wopanda msonkho kupyolera mu ndalama
3. kuchotsa msonkho kwaulere kwa ndalama zoyenera zamankhwala

Mabungwe angapo ogulitsa, kuphatikizapo Consumers Union, wofalitsa Consumer Reports, akhala akunyoza HSA chifukwa amapereka phindu lalikulu kwa achinyamata achinyamata omwe ali ndi thanzi labwino komanso omwe ali olemera omwe angathe kusunga zambiri pamisonkho.

> Zotsatira:

> Mapulogalamu a Pakhomo la mkati. Mafunso Osayembekezereka: Mafunso ndi Mayankho pa Zotsutsana ndi Mankhwala ndi Mankhwala Osokoneza Bongo.

> Mapulogalamu a Pakhomo la mkati. Mauthenga Abwino Amkati. Nambala ya Bulletin 2018-10 , March 5, 2018.

> Mapulogalamu a Pakhomo la mkati. Zofalitsa 502. Zogwiritsira Ntchito Zamankhwala ndi Zamano .

> Mapulogalamu a Pakhomo la mkati. Zowonjezera 969 (2017) Maakaunti Okhudzana ndi Umoyo wa Zaumoyo ndi Mapulani Amoyo Amtundu Wokhudzana ndi Mtengo.