Mu 2003, boma linapanga mtundu watsopano wa akaunti, wotchedwa akaunti ya ndalama zachuma (HSA), kuti zikhale zosavuta kuti anthu ena apereke inshuwalansi ya umoyo. Amene ali oyenerera akhoza kuchepetsa malipiro a inshuwalansi ya moyo ndi kubweza ndalama za msonkho.
Maofesi a HSA amalemba mndandanda wa zolemba zina zomwe zingatipatse msonkho pazinthu zina.
Choyamba, ma akaunti ogwiritsira ntchito mosavuta (FSA) amakulolani kuika ndalama pa zinthu zofunika monga ndalama zogulira kapena kusamalira tsiku. Nkhani za ndalama zachipatala ziliponso kwa anthu ena. Koma pazinthu zonsezi, kumapeto kwa chaka, ngati simunagwiritse ntchito ndalama zomwe mumasunga, ndiye kuti mumalitaya. Chifukwa cha lamulo loperewera, anthu ambiri sangalingalire kukhazikitsa mitundu imeneyo. Nchifukwa chiyani iwo akanaika pangozi yotaya ndalama zawo?
Ndicho chifukwa chake akaunti ya ndalama zachuma ikhoza kukhala yothandiza kwambiri. Ndi njira yopulumutsira ndalama zomwe zingagwiritsidwe ntchito pazinthu za umoyo, podziwa kuti ndalama sizidzatayidwa chifukwa chakuti sizinagwiritsidwe ntchito pa December 31.
Ma HSA Amagwiritsidwa Pamodzi Pamodzi ndi Mapulani A Inshuwalansi Amtundu Wapamwamba
Munthu yekha amene amasankha pulogalamu ya inshuwalansi yapamwamba kapena yowopsya akhoza kugwiritsa ntchito HSA. Monga ndalama zothandizira inshuwalansi zanyamuka, mapulani ena apamwamba akuperekedwa ndi olemba ntchito.
Iwo amakhala opezeka kwa omwe ali odzigwira ntchito, komanso omwe ayenera kugula inshuwalansi.
A mkulu-deductible inshuwalansi ndondomeko malamulo kuchepetsa mwezi premiums. Chifukwa deductible ndi yapamwamba, malipiro amwezi ndi otsika.
Lingaliro, ndiye, ndilo kusankha ndondomeko yotsika kwambiri, kulipira mtengo wapamwamba wa inshuwalansi, ndikuyika kusiyana kwa HSA kulipira chisamaliro chimene inshuwalansi sichidzaphimba.
Ndalamayi imapulumutsidwa ku madola omwe asanatenge msonkho kotero kuti palibe msonkho wa msonkho waperekedwa pa madola awo.
Kodi mkulu wa inshuwalansi amafunika kukhala wotani? Kwa 2014, munthu ayenera kusankha dongosolo ndi deductible $ 1,250 kapena kuposa. Kuchokera kwa banja kumakhala ndalama zosachepera $ 2,500.
Chitsanzo cha momwe HSA imagwirira ntchito
Nenani kuti muli ndi chisankho pakati pa mapulani okwana madola 500 omwe amawononga $ 1,000 pamwezi kapena mapulani okwana madola 2,500 omwe amawononga $ 500 pamwezi. Zimayesa kusankha malipiro apansi, koma zimawopsya kuganiza za kugunda ndi kufunikira kulipira $ 2,500 kuchokera muthumba. Choncho sankhani ndalama zotsikazo ndi ndalama zake zapansi, kenaka pulumutsani madola 2,500 pachaka mu HSA pogwiritsa ntchito ndalama zisanapereke msonkho. Idzakupulumutsani madola mazana angapo misonkho, kuphatikizapo mutha kukhala ndi akaunti yongosungira ndalama zonse zomwe mungagwiritse ntchito posamalira zithandizo.
Ndalamazo ndizoyenera kuti muzizisunga chaka ndi chaka ndipo zimakhala zosavuta kuchokera kwa abwana kuntchito, kapena malo komwe mukupita kuti mutenge ndalama zanu. Sichidzatayidwa chifukwa chosagwiritsa ntchito. Komanso, simukulipira msonkho pa ndalama ngati mutagwiritsa ntchito ndalama zokha.
Pamene mukupeza ndalama zoyenera zachipatala, chirichonse kuchokera ku dokotala wopita kuchipatala, ku mankhwala osokoneza bongo, ngakhale njira zina zothandizira mankhwala, mungagwiritse ntchito ndalama kuchokera ku HSA malinga ngati simudabwezeretsedwe ndi inshuwalansi yanu ya thanzi .
Zochita ndi Zochita
HSAs ndi chisankho chabwino kwa anthu ena, koma samvetsetsa kwa ena. Ngati chithandizo chamankhwala si ndalama zambiri kwa inu, HSA ikhoza kugwira ntchito bwino. Mudzasintha ndalama zambiri za madola anu azachuma ndalama zomwe mungasunge ndikuzigwiritsira ntchito panthawi yomwe mukufunikiradi. Mudzawatumizira ochepa makampani a inshuwalansi omwe angowonongeka ngati sakugwiritsidwa ntchito.
Anthu ambiri omwe ali ndi ndalama zamakono sangapeze mwayi wogwiritsa ntchito HSA. Kawirikawiri mapulani apamwamba omwe amawotcha amaperekedwa limodzi ndi malipiro apamwamba komanso malire ena, kotero mwayi uliwonse kupyolera mu ntchito ya HSA imatayika pazofunika.
Pangakhale phindu lina la msonkho. Muyenera kuthandizira nambala kapena kuyankhula ndi mlangizi wanu wamisonkho kuti muone ngati HSA idzakupulumutsani ndalama.
Kukhazikitsa akaunti yosungirako n'kosavuta. Iwo amaperekedwa ndi olemba ena, koma mwinamwake mudzapeza kampani yanu ya inshuwalansi, mabanki, ngongole ya ngongole kapena mabungwe ena azachuma adzakukonzerani inu.
Monga momwe ziliri ndi mapulani ambiri, pali malamulo ambiri ndi malire okhudza omwe angachitepo kanthu, omwe angapereke ndalama ku akaunti yanu, momwe ndalama zingagwiritsire ntchito, ndi kuchuluka kwa ndalama zomwe zingasungidwe kapena kugwiritsidwa ntchito. Funsani wina ku dipatimenti ya abwana anu kuti akuthandizeni ndi malamulo, ndikuthandizani kudziwa ngati HSA ndi yabwino kwa inu.
Ngati muli ndi mafunso ambiri, boma likulemba mndandanda wabwino wa maofesi a HSA komanso mafunso omwe amafunsidwa kawirikawiri.