Kukho inani leendleko esinalo kwimpilo okanye unyango lwezonyango ezingafanelekanga ukuba zibuyiselwe nge-akhawunti ye-Flexible Spending Accounts okanye ii-Akhawunti ze-Savings Health nakuba kubonakala ngathi kufanelekile.
Kwezinye iimeko, iindleko ezibuyiselwe kwixesha elidlulileyo, njengezidakamizwa ezingaphezulu kwee-counter, kodwa imithetho nemimiselo zitshintshile. Kwezinye iimeko, abazange bavavanywe kwinkqubo yophicotho yerhafu, njengendleko yokusebenzisa ummeli wesigulane.
Ngeenjongo zokucacisa, i-IRS inikeza izikhokelo zeentlobo zeendleko ocinga ukuba zifanelekile ukufumana imali yokubuyisela imali nge- HSA okanye kwi-FSA kodwa kodwa. Nantsi uluhlu lwe-IRS lwoluhlu lwezonyango ezingafanelekanga zonyango.
Nantoni na yakho Intshuwalense sele ihlawulwe ngenxa yokuba ayikho ixabiso elifanelekileyo
Kungabonakala kucacile, kodwa ukuba uqikelele ukuba kuninzi kangakanani ukubeka eceleni kwi- Akhawunti ye- Flexible Spending , kubalulekile ukukhumbuza. Uya kufuneka ukwazi ukuba kunani nawuphi na uncedo lwezonyango luhlanganiswe yinshurensi yakho, intsingiselo, awuyi kuhlawula ephaketheni lakho ngoko ke, akuyi kudingeke ukuba kubuyiselwe.
Umzekelo, ukuba ugqirha wakho uncoma ukuba ushiye ukutshaya, ubhalele umyalelo wokunceda, kwaye uhlawula kuphela umrhumo wokubambisana ukuze ufumane umyalelo wakho, ngoko-akhawunti ye-co-pay kuphela kwisicwangciso sakho, kwaye ingabi iindleko ezipheleleyo iziyobisi.
Amagqirha angaphezu kweeNkonkcazo azange aqiniseke ngeendleko zonyango
Ngaphambi komnyaka werhafu ka-2011, amayeza angaphezulu kwamayeza afanelekileyo njengeendleko ze-HSA okanye ze-FSA kwaye angabuyiselwa. Nangona kunjalo, oko akuseyinyaniso ngaphandle kokuba ungagqirha ugqirha wakho ukuba ubhale isigqirha seziyobisi ezingaphezulu kwe-counter.
Ukuba ugqirha wakho uncomela nayiphi na izidakamizwa ezingaphezu kwee-counter for you ezifana ne-aspirin yansuku zonke okanye amavithamini, buza ugqirha wakho ukuba abhale isigqirha eso sonyango, kwaye uya kukwazi ukuwufaka kwiindleko zakho ezifanelekileyo.
Amanye Amanyango Amazinyo Awanakulungelelaniswa Iindleko Zonyango
Ionyango zonyango zijongwa njengeendleko ezifanelekileyo kuphela xa zikhusela okanye zilungisa iingxaki zamazinyo.
Kakade ke, akusiyo yonke inkonzo enikezwa ngudokotela wamazinyo evimbela okanye ukulungisa iingxaki. Ngokomzekelo, ukucocwa kwezinyo akubandakanyi kuba kungabonwa njengempilo okanye unyango. Ngenxa yoko, akuyona indleko efanelekileyo yemali, ehlawulwa yi-HSA okanye i-FSA.
Ezinye Iimali-mali zeNtshurensi zeMpilo Zingekho Imfanelo yezoNyango
Nangona iiprayimari ezininzi ozihlawulela iinkonzo ezinxulumene nempilo zinokuqwalaselwa njengeendleko ezifanelekileyo, kungekhona zonke.
I-IRS ayiyi kukuvumela ukuba ufake nayiphi na i-premium okanye inxalenye ye-premium yakho ehlawulwa ngumqeshi wakho, kwaye awukwazi ukubandakanya nayiphi na i-premiums kwimigaqo-inshorensi yomntu, nayiphi na inxalenye yomshuwalense wakho wemoto (nakwiindleko zonyango) okanye kwabanye. Cacile malunga nokuba yintoni, okanye ayikho, esemthethweni ukuba ifake.
Uninzi lwabaLawuli beGym, ii-Spas okanye iiClubs zeZempilo aziyiziqinisekiso zoNyango lwezoNyango
Nangona ukuba iindleko zokulahlekelwa kwindleko zingabakho iindleko zonyango ezifanelekileyo ukuba ugqirha wakho ubacebisa, ubulungu bakho bokuzivocavoca okanye iinkonzo ezifunyenwe kwi-spa okanye kwiqela lezempilo lingafaneleki - kuxhomekeka kwiimeko apho usebenzisa ezo nkonzo.
I-IRS ibonakalisa ukwahlukana phakathi kokulahlekelwa isisindo sokubonakala ngenxa yokulahlekelwa ubunzima kwimeko yonyango phantsi kokunyamekelwa ngugqirha. Ngaphambi kokuba uzame ukuhlawulelwa kule ntlobo zeendleko, okanye phambi kokuba ulandele i-akhawunti yakho ye-akhawunti ye-akhawunti ye-Flexible Spending Account, khangela ngokuphindwe kabini nomlawuli we-FSA okanye ye-HSA program ukuqinisekisa ukuba ngaba ziya kuhlawulwa.
Amachiza okanye iziyobisi othengayo ngaphandle kwe-United States Awufaneleki
Ukuba ulingelwa ukuba ungenise izidakamizwa zakho zemithi ezisuka kwelinye ilizwe , ungazami ukubuyiselwa iindleko zeso sigulo njengendleko efanelekileyo yezobisi ngeFSA okanye kwi-HSA yakho.
Iindleko zoMmeli zonyango lwaBucala aziyiziqinisekiso zoNyango lwezoNyango
Ngoxa ukuqesha ummeli wecala kungasetyenziswa ukuhamba kakuhle ukuphucula amathuba akho okufumana isiphumo esihle sempilo, i-IRS ayifaki ukuyibhala phakathi kweendleko zayo ezivumelekileyo zokubuyiselwa phantsi kwe-FSA okanye i-HSA.
I-FSA kunye ne-HSA yokuXhobisa iimali
Ungakulibala ukuba nangona kukho iindleko ezininzi zezokwelapha kunye nezempilo ezingavunyelwe ukubuyiselwa kwi-FSAs kunye nee-HSA, kukho ezininzi ezininzi ezifanelekileyo zonyango .
Xa kufika ixesha lokujonga ukuba imali engakanani kufuneka uyibeke eceleni kwi-Akhawunti ye-Flexible Spending Account, nokuba ingaba iindleko ezithile zifanelekile ukubuyisela imali, unokuhlala ucela uchwepheshe weerhafu ukuba awukwazi ukuyifumanisa kule nhlu.