Sebenzisa ii-FSA zeNgxowa-mali ngaphambi kokuba ushiye umsebenzi wakho
Ingaba unayo i-akhawunti yokuchithwa kwemali ehlawulwayo ebuyisela iindleko zonyango ezifana ne-inshurensi yezempilo, i- copays kunye ne- coinsurance ? Ngaba uya kukhishwa, ushiye umsebenzi, okanye uthathe umhlalaphantsi? Ukwazi oko kuza kwenzeka kwi-Akhawunti yakho ye-Flexible Spending Account xa ulahlekelwa ngumsebenzi wakho kuya kunceda wenze ukhetho oluhle.
I-Akhawunti Yakho yokuThengiswa kweFlexible ixhunyiwe kwiYakho Job
Ukukwazi kwakho ukusebenzisa i-FSA yakho kudibene nomsebenzi wakho.
Nangona kunjalo, ukuba uvumelekile ukuqhutyelwa kwe-CSA ye-FSA, unokukwazi ukuqhubeka usebenzisa i-FSA yakho nangemva kokuba ulahlekelwe okanye ushiye umsebenzi wakho.
Ukuba ukongezwa kwe-COBRA ye-FSA yakho kuyabonakala, kubalulekile ukukhumbula ukuba umqeshi wakho wangaphambili akayi kufana negalelo leFSA egameni lakho, nokuba ngaba benza njalo xa uqeshwe. Endaweni yoko, uza kwenza loo mnikelo kunye nemali yentela emva kwentlawulo, kunye ne-2 yeepesenti zokulawula.
Ngoko ayikho inzuzo eqhubekayo yokuhlawula i-COBRA kwi-FSA, ngaphandle kokukwazi ukubuyisela imali ye-FSA xa kulahleka umsebenzi.
Yintoni eyenzekayo kwimali kwi-FSA yam xa iYob Job iphela?
Imali eshiywe ingasetshenziswanga kwi-FSA yakho iya kumqeshi wakho emva kokuba uyeke okanye ulahlekelwe ngumsebenzi ngaphandle kokuba uvumelekile kwaye ukhethe ukuqhutyelwa kwe-CSA ye-FSA.
Nangona unako ukuqhubeka ne-FSA yakho ne-COBRA, imali yakho yeFSA ayikwazi ukusetyenziswa ukuhlawula ii- premium ze- inshorensi zezempilo ze-COBRA, kwaye ayikwazi ukusetyenziswa kwi-premium ze-inshorensi zezempilo ze-COBRA ezifana nezo zinikezelwa ngempilo yelizwe ngalinye. yomshuwalense.
Ukuba awufanelekile ukuqhubeka neFSA yakho nge-COBRA, uya kufuna ukuzama ukuyisebenzisa imali kwi-Akhawunti yakho ye-Flexible Spending ngaphambi kokuba umsebenzi wakho uphele ukuze ungalahlekelwa yimali.
Indlela Yokusebenzisa Imali Yakho Ye-FSA kunye Nokuphuma Ngaphambili
Masithi ushiya umsebenzi wakho ngo-Matshi, kwaye ufuna ukusebenzisa i-FSA yakho.
Iindaba ezilungileyo kukuba kunokwenzeka ukuba uthathe imali engaphezulu kweFSA yakho kunokuba ubeke kuyo. Njani? I-FSA yakho iya kuhlawula iindleko zonyango ezifanelekileyo ukuya kwisixa ozinikezele ukufaka isandla kulo lonke unyaka, nangona ungenayo inxaxheba kakhulu.
Masithi uthe wavuma ukufaka i-$ 2,000 ngaphezu kwexesha lonyaka. Ngomhla kaFebhuwari, uncedise nge $ 333 xa uphula i-wrist. I-FSA yakho iya kuhlawula imali yakho yonke i-$ 2,000 eyithembise ukufaka isandla kulo nyaka, nangona wenze i $ 333 kuphela kwiminikelo ye-FSA kude kube ngoku.
Ukuba uyeka umsebenzi wakho okanye ulahlwe ekuqaleni kukaKwindla, akumele uhlawule u-1,667 u-$. Akunakubalwa njengenzuzo engenayo irhafu.
Kwenzeka ntoni nge-1,667 yeeRandi owawufanele ukufaka isandla kodwa akazange? Umqeshi wakho uthatha i-$ 1,667 yexabiso lezemali. Kodwa, ungaziva unetyala. Iindleko zabaqeshi zihlawulwa yimali engasetshenziswanga kumqeshi ngabanye abasebenzi ekupheleni konyaka (kuxhomekeke kwimithetho yomqeshi, ukuya kuma-$ 500 unokuqhutshwa kunyaka ozayo kwi-FSA, okanye umqeshi wakho unokuvumela abasebenzi iinyanga ezimbini ezongezelelweyo emva kokuphela konyaka ukusetyenziswa kweemali zeFSA eziseleyo-kodwa ngaphandle kwezinye ezo zinto, iifom zeFSA eziseleyo kwi-akhawunti zilahlekelwa unyaka ngamnye).
Ukuba awugulanga, akukho nkxalabo. Kukho iindlela ezahlukeneyo zokusebenzisa imali yakho yeFSA ngokukhawuleza. Nazi ezinye iindlela:
- Fumana ukuhlola-okanye ezininzi . Qinisekisa ukuba usufikelele kumntu wakho wonyaka, kwaye ujonge kunye nabanye oogqirha abajongayo nayiphi na unyango olwamkelayo. Ngaphantsi kwe-ACA, akukho ndleko kwiqela elibanzi lokunyamekela (ngokukhawuleza ukuba isicwangciso sakho singazalwanga), kodwa kukho iinkonzo ezongezelelweyo ezingenakunikwa ngexesha lokutyelela kakuhle okuza kubakho iindleko.
- Thenga iiglasi ezintsha. Ngoku lixesha elihle lokuba amehlo akho ahlolwe kwaye uzithenge ezininzi zeeblasi (okanye oonxibelelwano) njengoko ucinga ukuba uya kuyidinga ngokuzayo. Futhi ungalibali ukukhanya kwamaglasi! Ngethuba nje ukuba izibuko zelanga ziquka umyalelo wakho wokulungiswa kombono, ungasebenzisa iimali zeFSA ukuzithenga.
- I-restock yakho yonakekelo kwikhabhinethi . Uninzi lwezinto ezithengiswayo kumathelofu kwisitrato sakho sonyango singathengwa ngeFSA. Kodwa kukho imigaqo oyifunayo ukuyiqonda, kwaye ayisoloko inembile. Ngokomzekelo, iintengo zokungahambisani neentengo zingathengwa nge-FSA iimali, kwaye ngokunjalo ukugqithisa ukutshisa ukunciphisa izitampu zesisu-kodwa iimveliso ezinjengeetamponi kunye neepayipi zokuya esikhathini azikwazi. Isitolo seFSA sinesishobo sokukhangela apho ungangena khona uhlobo lomkhiqizo oyifunayo kwaye liya kukuxelela ukuba ungasebenzisa imali yeFSA ukuyithenga. Kukho uluhlu olubanzi kakhulu lweemveliso ezifanelekileyo zeFSA esisisebenzisayo rhoqo, kwaye oko kungagcinwa xa ufuna ukusebenzisa i-FSA imali. Izinto ezinjengamashishini, i-thermometers, ukufakwa kwezihlangu, iikhondom, iimvavanyo zokukhulelwa, kunye ne-sunscreen zonke zingathengwa ngemali ehleli kwi-FSA yakho-ngokukhethekileyo ukhetho olungcono kunokuba ulahlekelwe yimali.
- Fumana imithi yeyeza kwi-anti-counter-counter kunye nokubuyisela kwakhona loo nto . Ngaphezulu kweemithi zonyango zingathengwa kuphela ngeemali ze-FSA ukuba unemishanguzo yazo (i-insulin yinto ehlukile kulo mgaqo). Kodwa ukuba ugqirha wakho ekubhalela imithi ye-OTC meds, ungayithenga ngemali yeFSA. Ngoko qwalasela ukuxoxa ngale nto nogqirha wakho ukuba uyazi ukuba uya kufuneka iimfuno ezithile ze-OTC kwaye unayo imali kwi-FSA yakho efuna ukuyisebenzisa ngaphambi kokuba ushiye umsebenzi wakho.
- Ziphathe ngokwakho unyango lwempilo yengqondo . Abantu baninzi bafumana befuna ukubona umphathiswa wezempilo yengqondo, kodwa abakwazi ukufumana umntu owamkela i-inshurensi yezempilo. Kodwa ungasebenzisa imali yeFSA ukuhlawula unyango lwempilo yengqondo. Ngoko ukuba ufune ukufumana umphathiswa kwaye unayo imali yokutshisa kwi-FSA yakho, ungasebenzisa imali yakho ye-FSA ukuhlawula umgqirha.
- Fumana nayiphi na unyango olukhethiweyo . Ngaba ucinga malunga naluphina uhlobo lokugqitywa okanye unyango oluthile kodwa ulubeka ixesha elihle ngakumbi? Ngoku lixesha! Ngokuxhomekeka kwisicwangciso sakho, unokukwazi ukusebenzisa imali kwi-FSA yakho ukuhlawula unyango oluyimfuneko olulindelekileyo olufana nokunyangwa kwe-acupuncture kunye ne-chiropractic ukunakekelwa.
I-FSA ayitshintshwanga nguMthetho weCandelo loCwangciso kunye neMisebenzi
NgoDisemba ngo-2017, abameli beRiphabhlikhi babedlulisa i-HR1, babhekisela kuMthetho wokuThuthwa kweRhafu kunye neMisebenzi. Umthetho awuzange wenze naluphi na utshintsho kwimithetho malunga neeFSA. Ingqungquthela yangaphambili yeNguqulelo yeNdlu ye-HR1 yayiya kuphelisa ukunakekelwa kweenkonzo ze-FSAs, ezivumela abasebenzi ukuba bagcine i-$ 5,000 ngonyaka kwi-FSA enikwe iindleko zokunakekela abantwana. Kodwa iNdlu iyahlengahlengiswa i-bill ngoNovemba 2017 ukwenzela ukuba inkathalo enoxhomekeke kwi-FSA ayayi kupheliswa.
Ukunyamekela okuxhomekeke kwi-FSAs ihluke kwii-FSA zezobugcisa, kodwa zombini zihlala zihambelana phantsi kwe-BOP yokuhlawula irhafu yerhafu.
Nge-HSA, Unokuyithatha Xa Uhamba
Ukuba umqeshi wakho unikeza isicwangciso sezempilo esixhomekeke kwi-HSA (HDHP) kwaye uyabhalisa kuyo, uya kuba nenketho yokubeka imali kwi-akhawunti yokulondoloza impilo (HSA). I-HSA ikuvumela ukuba ugcine imali engaphambili yentela ukuhlawula iindleko zonyango, njengeFSA. Kodwa iintlawulo zerhafu ze-HSA zinamandla ngakumbi kunezo ze-FSA .
Kukho iintlobo ezahlukeneyo phakathi kwe-FSAs kunye ne-HSA , nangona iimeko zombini zendlela yokuhlawula iindleko zonyango. Ukuba unayo i-HSA kwaye ushiya umsebenzi wakho, imali iyahamba nawe. Enyanisweni nokuba imali kwi-HSA yakho ifakwe ngumqeshi wakho egameni lakho (ngokuchasene neminikelo yakho). Kwaye akukho "ukuyisebenzisa okanye ukulahlekelwa" kunye ne-HSAs, ngoko ke ukuba awuzange usebenzise imali yakho ye-HSA kwiindleko zonyango kwaye wena (kunye / okanye umqeshi wakho) ube negalelo lemali kwi-HSA iminyaka emininzi, unokuba ne-stash yokugcina imali kwi-akhawunti.
Xa ushiya umsebenzi wakho, yonke loo mali isabakho. Ukuba utshintshela kwiHDHP entsha (okanye ugcine iHDHP yakho ekhoyo nge COBRA), ungaqhubeka nokufaka imali kwi-HSA yakho. Ukuba utshintshela kwisicwangciso se-inshorensi entsha ye -HDHP (umzekelo, mhlawumbi umqeshi wakho omtsha unikezela isicwangciso sezempilo esingenalo i-HSA-esifanelekileyo), awukwazi ukufaka nayiphi na imali kwi-HSA yakho (de ukuba kwaye xa unayo i-HDHP kwakhona), kodwa unako ukuqhubeka uhoxisa imali kwi-HSA ukukhupha iindleko zonyango ngaphandle kwecebo lakho elitsha.
Ngoko ukuthabatha apha kukuba ukuba unayo i-HSA, akufuneki ukuhlambalaza ukusebenzisa imali kule akhawunti xa uceba ukushiya umsebenzi wakho-okanye ekupheleni konyaka ngamnye.
Omnye ummandla apho i-HSA ithatha i-FSA kukuba ukuba unayo imali kwi-HSA yakho xa ushiya umsebenzi wakho, ungasebenzisa imali yakho ye-HSA ukuhlawula iipresomyam ze-COBRA okanye ii-premium ze-inshurensi zempilo ezihlawulwe ngelixa ufumene inzuzo yokungasebenzi. Imali ye-FSA ayize isetyenziswe ukuhlawula nayiphi na i-premiums yomshuwalense yezempilo, kungakhathaliseki ukuba imeko.
> Imithombo:
> Congress.gov. HR1 - UMthetho wokubonelela ukuxolelana ngokuhambelana nezihloko II kunye ne-V yesisombululo esifanayo kwisabelo-mali se > mali ka-2018 >. > Yenziwe ngo-12/22/2017.
> FSA Feds. Care FSA.
> Isevisi yangaphakathi yeNgeniso, iSaziso sika-2013-71 .
> Isevisi yangaphakathi yeNgeniso, iSaziso sika-2015-87 .
> Isevisi yangaphakathi yeNgeniso, Cwangcisa ngoku ukusebenzisa iMpilo yeFlexible Spending Arrangements ngo-2018; Banikela kwi $ 2,650; I-$ 500 yeCarryover Option Inokufumaneka Kwabaninzi. Novemba 15, 2017.