Iindlela ezili-6 onokuzihlawula ngazo
Iinshurensi zezempilo zonyango ziye zanda ngokunyuka iminyaka. Ngo-2016, ngaphezulu kwama-51 ekhulwini kwabasebenzi abanomshuwalense wezempilo oxhaswe ngumqashi banokunciphisa ngamanani angama-$ 1,000. Kwaye phakathi kwabasebenzi abanomsebenzi wokubandakanya i-deductible, umyinge oqhelekileyo owenyulwayo wawungaba phantse i-$ 1,500.
Phakathi kwabantu abathengela i-inshurensi yabo yempilo kwimarike nganye, ama-deductibles aphezulu.
I-Healthalthurance, i-brokerage online, yabika ukuba ngo-2016 umqulu okhethwe ngabathengi abasebenzisa i -Healthinsurance kwaye abangafanelanga nayiphi na inkxaso-mali ye-ACA , i-deductible yemali ibe yi-$ 4,358 ngabantu kunye ne-7,983 kwiintsapho.
Kubalulekile ukuba uqaphele ukuba abantu abangafumani inkxaso- mali yeprayimenti banakho ukuthenga izicwangciso zethusi eziphantsi, ezinexabiso eliphezulu. Kwaye i-ACA yenkxaso-mali yenkxaso-mali- esebenza kuma-57 ekhulwini abhalisele ukutshintshiselwa ngo-2017-banikezela ngokunciphisa kakhulu abantu abafanelekileyo ngokusekelwe kwimali yabo engenayo (inkxaso-mali yokwabelana ngeendleko ifumaneka kuphela kwizicwangciso zesilivere; malunga ne-30,000 zamawaka ngo-2018 kwaye uthengela i-coverage yakho, unokufumana izicwangciso zesilivere kunye nezicucu ezincinci, ngoko unokuqwalasela ngokukhethekileyo kwizicwangciso zesilivere ngexesha lobhaliso oluvulekile, kwaye qi ni sekise ukuba uthenge isicwangciso ekutshintshisweni, ngokuchasene nokutshintshiselana ).
Kodwa akungabazeki ukuba abantu abathengisa i-inshorensi yabo yempilo ngokubanzi baxhomekeke kwii-deductibles ezibalulekileyo.
Awuyedwa xa ungeke ukwazi ukuhlawula i-inshorensi yakho yempilo. Kungakhathaliseki ukuba uhlawule kangakanani, ukuba unaloo mali ekulondolozeni kwaye uhlala ehlawulela ukuhlawula imali, unokuziva ngathi ukuhlawuleka kwakho kuphezulu.
Ukuba awukwazi ukuhlawula imali yakho, ukhetho lwakho lokujongana nayo luxhomekeke ekubeni unetyala lakho ngoku, okanye ukuba ulungiselela okokuqala. Ukuba ukhangele kwixesha elizayo kwaye uyaqonda ukuba kuya kufuneka ufike kule ngxinano yenguqu ekugqibeleni, khangela " Ukhuphele kakhulu? Indlela yohlahlo lwabiwo-mali kwi-inshurensi yempilo echithwe ngayo . "Ukuba ubhalisa kwisicwangciso sezempilo se-HSA, zama ukwenza okuphambili ukubeka i-HSA kunye negalelo kuyo rhoqo , ukuze imali ibe khona xa kugqiba kudingeke ukuba uhlangane ne-deductible yakho.
Ukuba kufuneka uhlawule imali yakho ekhoyo ngoku kodwa unayo imali, ubunzima bakho bunzima. Ukuba ungekho indlela yokuhlawula, unonophelo lwakho lunokulibaziseka okanye ungenakho ukufumana unonophelo oluyidingayo. Nazi ezinye iindlela zokukhetha.
Ukuxoxisana neSicwangciso seNtlawulo
Nangona ugqirha wakho akakwazi ukukhupha okanye ukuphuhlisa i-deductible yakho ngenxa yokuba iya kuphulaphula imigaqo yesicwangciso sakho sempilo , unokuvuma ukukuvumela ukuhlawula imali ehlawulwayo. Thembeka kwaye uchaze imeko yakho phambi kogqirha okanye kwisebe lokuhlawula iibhedlele. Chaza ukuba awuzami ukuphuma ekuhlawuleni kodwa ukuba ungathanda ilungelo lokuseka isicwangciso sokuhlawula.
Nangona kuhlose ukucela izaphulelo kunokuba kusetyenziswe isicwangciso sokuhlawula, " Indlela Yokuthetha Ngomniki Wakho " inikeza iingcebiso malunga nokuba unokuthetha njani nale ngxaki nogqirha wakho.
Amapango:
- Unokuhlawula imali enokukhatyelwa kumntu ongenagqirha. Ngokomzekelo, ukuba ubona ugqirha kwaye uyalela ukuhlolwa kwegazi, uya kuba nenxalenye yecandelo lakho elichithwe kumgqirha wakho kunye nxalenye yayo kwi-lab yokuhlolwa kwegazi. Oku kuthetha ukuxoxisana kwezicwangciso ezimbini zokuhlawula, kungekho enye.
- Ukuba awuyikugcina intlawulo kwisicwangciso sakho sokuhlawula, uya kutshabalalisa kakhulu ubuhlobo bakho nodokotela wakho, kwaye ungeke ufumane elinye ithuba lokuseka isicwangciso sokuhlawula iindleko zonyango ezizayo.
Hlola iindlela zokunakekelwa kwezempilo ezingabizi
Ngokuqhelekileyo kukho indlela engaphezulu kweyodwa yokunyanga ingxaki yokunakekelwa kwempilo. Ngaba usebenzisa inkcitho ephantsi kakhulu yokonyango eyokusebenzela?
Nangona ukutshintshela kwindlela yokwelapha engabizi ngaphantsi kwexabiso akuyi kukhangela intsalela yakho nayiphi na encinci, i-deductible iya kuza ngenxa yexesha elide kunye neengcinci ezincinci. Ngokomzekelo, ukuba unayo imali engama-3,000 e-deductible kwaye ufumana unyango olubiza i-R7 700 ngenyanga, ukutshintsha unyango olubiza ama-$ 400 ngenyanga kuya kunciphisa iindleko zakho zenyanga . Uya kugcina uhlawule yonke i-$ 3,000 echithwayo phambi kokuba u-inshorensi yakho iqala ukuhlawula. Kodwa, nangonyango oluthile, uza kusasaza i-deductible phezu kweenyanga ezisibhozo kuneenyanga ezintlanu, ukwenza kube lula ukulawula.
Ngaba unako ukunyamekela kwikliniki yamahhala okanye kwiziko lempilo yoluntu eliza kukunyamekela ngaphandle kokukwazi ukuhlawula? Ezinye zezi ndawo ziya kukunakekela mahhala, izakuhlawula ngokusekelwe kwingeniso yakho, okanye uya kwamkela ukuba yintoni inshorensi yakho yemali ehlawulwa ngayo njengentlawulo epheleleyo. Khangela ukuba ukhangele ukuba kukho indawo yezempilo ephakathi nawe.
Thatha ukuSasazwa kwangethuba ukusuka kumhlala wakho
Xa ukhetha ukuthatha imali kwimhlala-phantsi yakho ukuhlawula i-inshorensi yakho yempilo, uboleka kwikamva lakho ukuhlawula lakho okwangoku. Eli akusicebo elide elide elide. Kodwa, ukuba ubhekane neemeko apho ungenakho ikamva ukuba awukwazi ukuhlawula i- inshurensi yakho yezempilo , ngoko unokuqwalasela olu khetho.
Ukuba uthetha ukusasazwa kwi-IRA yakho yendabuko ngaphambi kokuba uneminyaka yobudala engama-59 / 1/2, uza kuhlawulisa irhafu yengeniso kuloo mali kunye nentlawulo yerhafu. Nangona kunjalo, kwezinye iimeko, isohlwayo sinokukhishwa xa imali isetyenziselwa iindleko zonyango ezifanelekileyo kwaye ukuba iindleko zonyango zakho zingaphezulu kwama-10 ekhulwini lwenzuzo yakho. Funda imithetho ye-IRS malunga nokusetyenziswa kokusasazwa kwi-IRA yakho kwiindleko zonyango.
Unokukhetha okubini kunokukunceda ukuba ugweme isohlwayo sokusabalalisa kwangaphambili:
- Unokwazi ukurhoxisa imali owabambe iqhaza kwiRoth IRA ngaphandle kwesihlwayo. Oku akusebenzi kwimali yokufumana kunye nokufumana utyalo-mali kwiRoth IRA, kodwa kuphela kwiimali ozibonelele ngenene. Funda kabanzi "Xa i-ROTH IRA iRhadrawals Are Tax Free and When They Are Not."
- Ezinye izicwangciso ze-401K ziya kukuvumela ukuba uboleke imali engama-$ 50,000 okanye isiqingatha semali kwi-401K yakho, nokuba yeyiphi na encinci. Ngokuqhelekileyo, umboleko uhlawulwa emva kwexesha leminyaka emihlanu ngemali ngokuzenzekelayo isuswe kwi-paycheck yakho. Uya kuhlawula umyinge ngemboleko, kodwa uhlawula loo mdla-inzala iya kwi 401K yakho. Ukuba ulahlekelwa ngumsebenzi wakho ngaphambi kokuba umboleko uhlawulelwe, kufuneka ufike kwimali eseleyo okanye uthathwa njengento yokusabalalisa kwangaphambili kwaye uya kuhlawula irhafu yentlawulo kunye nesohlwayo kuso. Funda kabanzi kwi "Izinto EziNto Eziya Kukwazi NgokuKholeka Kwakho 401 (k)."
Thengisa Izinto zakho
Akukho mntu ufuna ukuthengisa izinto zakhe ukuhlawula into efana nomdane njenge-inshurensi yempilo echithwayo; kodwa, amaxesha amdaka afuna ukunyaniseka. Ukuba awukwazi ukufumana ujikelezo lwakho olulandelayo lwe-chemotherapy ngenxa yokuba awukwazi ukuhlawula i-inshorensi yakho yezempilo, ke lixesha lokucinga malunga nendlela yokuphakamisa imali.
Qala ngokuqwalasela ukuthengisa izinto ezixabisekileyo kodwa izinto ezingadingekile njengezinto zobungcwebozi bakho, ibhasikidi, i-surfboard, i-iPod, okanye i-scooter. Hambisa ukuthengisa ezinye izinto ezixabisekileyo njengeemoto okanye umtshato womtshato kuphela xa unentshisekelo enkulu. Unokufumana ixabiso elingcono kwizinto xa uzithengisa ngokwakho kwiplatifomu njengoCraigslist okanye eBay kunokuba uwathabathe kwivenkile yesitolo okanye ivenkile yokuthengisa, kodwa ukuzithengisa ngokwakho kuthatha umgudu ongakumbi.
Ukuhlawula
Ukusebenzisa ikhadi lesikweletu, umboleko wesikweletu, okanye umgca we-credit equity loan ukuhlawula i-inshurensi yakho yempilo iyisiphakamiso esincinci. Kuxhomekeke ekufakeni ikusasa lakho kwixesha elizayo kwaye ufikelele ngakumbi kwiityala ukuze uhlangabezane neendleko zakho ezisisiseko. Ukuba awukwazi ukuhlawula imali yakho echithwayo ngoku, uza kuhlawula njani unyaka ozayo xa uhlawula ityala lakho ukususela kule nyaka?
Ngakolunye uhlangothi, ukuba ufuna unyango olusindisa ubomi bakho, thintela ukukhubazeka okusisigxina, okanye ugcine unempilweni ngokwaneleyo ukugcina umsebenzi wakho, usebenzisa i-kredit ibe yincinci yezinto ezimbi.
I-Credit ayifanele ukuba ithetha ikhadi lesikweletu. Oku kunokuthetha ukuboleka kwi-equity ekhaya lakho, umhlobo okanye ilungu lentsapho, okanye ukuthatha imali mboleko kwi-bhanki okanye kwimanyano yemboleko.
Finyelela kwiNkxaso yeMali yeNgxaki yeMsebenzini
Abaqeshi abaninzi banomsebenzi-uncedo loncedo lwabaqeshwa. Ukuxhaswa ngeminikelo emancinci eyenziwa ngabasebenzi ngabanye, le mivuzo ithathelwa kwiintlawulo zabaxhasi ngamanani alinganayo kunyaka.
Abasebenzi abajongene nobunzima bexesha elilodwa banokufaka isicelo kwintando yoncedo lwezemali. Ezi ncedo azinakudinga ukuba ube ngumnikeli ukuze ufumane uncedo, kodwa ulawula malunga nokuba uncedo olunjani lwemali luya kunikwa, ngubani ofanelekayo, nokuba imali ikhutshwe njani ukusuka kwinkqubo kuya kwinkqubo. Ubuncedo bakho bobuntu okanye isebe lenkxaso-mboleko yezemisebenzi mhlawumbi luyimvelaphi yakho eyona nto ingcono.
> Umthombo:
> Amasebe e-Medicare neeNkonzo zeMedicaid. 2017 I-Snapshot ebhalisiweyo . Juni 12, 2017.
> eHealthinsurance.com. INkcazo yeeNkcazo zeeNkcazo zeMpilo, i-2016 Ikhefu lokuBhalisa . Oktobha 2016.
> Inkonzo yeNgeniso yangaphakathi, 401 (k) Isikhokelo soMthombo - Cwangcisa abathathi-nxaxheba - iMigqaliselo yokuSasazwa ngokubanzi.
> Kaiser Family Foundation. 2016 Uphando lwezeMpilo zabaSebenzi; Isishwankathelo seziFundo . NgoSeptemba 14, 2016.