Iindlela ze-HSA zilunge ngakumbi kune-FSA

by Elizabeth Davis, RN

I-Akhawunti Yokugcina Impilo Yenza I-Flexible Spending Arrangement kwi-Long Run

Ukubuza ukuba yiyiphi indlela ehamba phambili, ukubeka imali kwiAkhawunti yokuThengiswa kweMpilo okanye ukuyibeka kwisiCwangciso seNtlawulo yeFlexible? Nangona unyanzelekile ukuba ukhethe omnye komnye ngenxa yemigaqo yokufaneleka, ukuba unokhetho, i-HSA inikezela ngeenzuzo ezininzi kwi-FSA. Nazi ezi ziithandathu zezona zizathu ezibalulekileyo i-HSA ingcono kuneFSA.

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Unayo i-HSA yakho. Umqeshi Wakho ophethe i-FSA yakho.

Umfanekiso © Alex Mares Manton / Getty Izithombe

I-Flexible Your Expending Arrangement isekelwe ngumfundi wakho, kungekhona kuwe. Xa unika imali kwi-FSA yakho, ubeka imali kwi-akhawunti ongeyena. Kuyavunywa, umqeshi usebenzisa imali ukuhlawula iindleko zonyango ngaphandle kwe-pocket . Nangona kunjalo, kukho ithuba lokulahlekelwa yimali kwi-FSA yakho.

Ukuba ushiya umsebenzi wakho kwaye kukho imali kwi-FSA yakho, loo mali-imali evela kwiihlawulelo zakho-ilahlekelwe ngumqeshi wakho. Funda kabanzi malunga nale nto " Yintoni eyenzekayo kwi-FSA yam xa ndiyeka umsebenzi wam? "U

Unokude ulahlekelwe yimali kwi-FSA yakho xa ungalahlekelwa ngumsebenzi wakho. Ekupheleni konyaka ngamnye, imali engasetyenzisiweyo esele kwiFSA yakho ilahlekelwe ngumqeshi wakho. Nangona umqeshi enakho ukhetho lokugqitha ukuya kuma-$ 500 asele kwi-FSA yakho kwi-FSA yonyaka ozayo, akunyanzelekanga ukwenza njalo. Ukuba unabantu abangaphezulu kwama-$ 500 asele ekupheleni konyaka, ukugqithiswa kwemali kufuneka kulahlekelwe.

Ngokwahlukileyo, ekubeni ungumnini we-HSA yakho , awuyikulahlekelwa yimali kuyo. Yonke inakho. Uyiphatha. Unquma ukuba usetyenziswe njani. Ubiza umnxeba. Imali ihamba ngokugqitha ukusuka kunyaka ukuya kolunye, kwaye ukuba awuyidingi ukuyisebenzisa kwiindleko zonyango, iqhubeka iqokelela.

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Unako ukufaka imali kwi-HSA yakho, kodwa ayikho i-FSA yakho.

Umfanekiso © Photo Talk / Getty Izithombe

Xa ufaka imali kwi-FSA, imali ihleli apho ungenzi nto uze uchithe kwiindleko zonyango okanye ngaphandle kwayo.

Xa ufaka imali kwi-HSA, unako ukutyalo imali. Inzala kunye nemali evela kutyalo-mali yakho ikhula irhafu echazwe njengoko yenzayo kwi-401 (k) okanye i-IRA.

Xa uhoxisa imali yokufumana imali kwaye usebenzise imali yeendleko zonyango ezifanelekileyo, awuhlawuli irhafu yerhafu kuwo. Kunzima ukubetha utyalo-mali ohlawulelwa irhafu xa imali ingena, ikhula ihlawulwe irhafu, kwaye ayikho inkokhelo yerhafu xa ihoxiswa (ukuba uhoxisa into ngaphandle kweendleko zonyango, kufuneka uhlawule irhafu kuyo, kunye nesohlwayo xa unokwenza uhoxiso ngaphambi kweminyaka engama-65).

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Unako Ukufumana I-HSA Nangaphandle Kobugcisa.

Umfanekiso © Iimifanekiso / i-Getty Izithombe

I-FSA yakho idibene nomsebenzi wakho. Awukwazi ukuqala iFSA ngokwakho. Ii-FSA ziyinxalenye yesicwangciso somsebenzi wesibonelelo.

I-HSA yakho ayixhomekeke kumsebenzi wakho. Unokuqala i-HSA nangona ungasebenzi. Nangona abanye abaqeshi banceda abasebenzi ukuba bamise i-HSA kunye nabanye bafaka negalelo ngemali kwi-HSA yabasebenzi, i-HSA ngokwabo ayixhunyiwe kumsebenzi. Ukuba ulahlekelwa ngumsebenzi wakho, i-HSA kunye nayo yonke imali kuyo-nokuba imali eyinikwe ngumqeshi wakho-ingeyakho ukuyigcina.

Omnye umquba: ukuqala okanye ukufaka isandla kwi-HSA, kufuneka ube neCandelo lezeMpilo eliPhezulu eliPhezulu okanye i-HDHP. Ukuba awunayo i-HDHP, awukwazi ukufaka isandla kwi-HSA. Ukuba uvula i-HSA ngelixa unayo i-HDHP kwaye emva koko ulahlekelwe yi-HDHP yakho, unokugcina i-HSA yakho kwaye uqhubeke nokuthatha izinto. Nangona kunjalo, awukwazi ukwenza nayiphi na iminikelo kwi-HSA yakho de ukugqitywa phantsi kwe-HDHP kwakhona.

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Ulahlekelwe Yakho Umsebenzi? Unokuhlawula i-COBRA nge-HSA kodwa ayikho i-FSA.

Umfanekiso © David Sacks / Getty Izithombe

Ukuqhubeka kwe- COBRA i- premium ye- inshorensi yezempilo ibalwa njengendleko efanelekileyo yezokwelapha kwi-HSA yakho. Ukuba ulahlekelwa ngumsebenzi wakho kwaye unquma ukugcina isicwangciso se-inshorensi yempilo yakho esekelwe kwi-COBRA, unokuthatha imali kwi-HSA yakho ukuhlawula iiprayimari zenyanga. Awuyi kuhlawula irhafu yengeniso okanye izigwebo kwiimali ezixotshiwe kwi-HSA yakho kule njongo.

Nangona kunjalo, awukwazi ukusebenzisa imali kwi-FSA yakho ukuhlawula iiprimiyamu ze-inshorensi yezempilo, nokuba yi-COBRA.

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I-HSA Yakho Yenye Indlela Yokusindisa Ukuthatha Umhlalaphansi.

Umfanekiso © I-Rubberball / Mike Kemp / Getty Images

I-HSA ingasetyenziselwa njengezithuthi ukugxotha imali yokulondolozwa kwentlawulo yomhlalaphantsi, kodwa kusekho imali efumaneka ngokukhawuleza ukuba kufuneka i-medical need.

Nangona le mali isetyenziselwe iindleko zonyango ezingenakunyuswa, xa uneminyaka engama-65, unokuthi uthathe ikhefu kwi-HSA yakho nayiphi na isizathu ngaphandle kokuhlawula isohlwayo. Ukuba usebenzisa i-HSA iimali zeendleko zonyango ezifanelekileyo, awuyihlawuli irhafu yengeniso kwiirhafu. Ukuba uhoxisa imali ngeendleko ezingekho ngezokwelapha emva kokuba uneminyaka engama-65, uya kuhlawula irhafu yengeniso kwimali, kodwa akukho zihlwayo.

Emva kokuba uneminyaka engama-65, ungasebenzisa iimali zakho ze-HSA ukuhlawula iipalamama zama-Medicare , nangona ungeke ukwazi ukuhlawula i-Medicare eyongezelelweyo inkcazo efana ne- Medigap kunye ne-HSA iimali.

Ngokungafani ne-IRA, kukho (kude kube ngoku) akukho mfuneko yokuba uthathe ubuncinane ubuninzi ngamnye ngonyaka ukusuka kwi-HSA yakho. Unokushiya imali apho, ukukhutshwa kweerhafu okwehliswayo, kuba nje uthanda. Yaye, iyakwazi ukuya kumxhamli wakho otyunjweyo ekufeni kwakho.

_Imithombo:

_{Isebe lase-US le-FAQ yeZiko leMithombo yezeMali.} _{http://www.treasury.gov/resource-center/faqs/taxes/pages/health-savings-accounts.aspx} _{Ifikelele ngo-Agasti 20, 2014.}
_{Ukushicilelwa kwe-IRS 969.}
_{26 I-US Code § 223.} _{http://www.law.cornell.edu/uscode/text/26/223} _{Kufumaneke ngomhla we-20 Agasti 2014.}

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Imida yoNcedo iphezulu kwi-HSAs

Unokuba negalelo elongezelelweyo kwi-HSA kuneFSA. UDavid Franklin / Getty Images

Ngo-2018, ukuba unayo i-HDHP yecala nje wena, unokufaka isandla kwi $ 3,450 ukuya kwi-HSA, kunye ne-$ 1,000 eyongezelelweyo ukuba uneminyaka engama-55 okanye ngaphezulu (umnikelo unokuvela kuwe okanye umqeshi wakho, okanye ukuhlanganiswa kokubini) . Ukuba unobomi beentsapho phantsi kwe-HDHP, unokufaka isandla kwi $ 6,900 ukuya kwi-HSA ngo-2018.

Nangona i-FSA, nangona kunjalo, umda woxanduva ophezulu we-2018 ngu-2,650 ayi-$ (kungakhathaliseki ukuba umqeshwa unentsholongwane yomshuwalense wezempilo okanye intsapho enye).

Iintlawulo zombini zeFSA kunye ne-HSA zinciphisa umvuzo wakho opheleleyo, kodwa igalelo le-HSA linakho ukunciphisa i-AGI yakho ngaphezu kwegalelo le-FSA.

> Imithombo:

> INkonzo yeNgeniso yangaphakathi. Inkqubo yeNgeniso 2017-37 .

> INkonzo yeNgeniso yangaphakathi. Inkqubo yeNgeniso 2017-58 .

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