Isicwangciso seMali seNkcazo xa ungeke ukwazi ukuphazamiseka okuphezulu kwiDeductible
Akuqhelekanga ukuba unenkathazo yokuhlawula i-inshorensi yakho yempilo -iyodwa inqununu ingamakhulu okanye amawaka eedola. Yaye ukuba ungenayo imali enokulondolozwa, inokuvakalelwa ngathi ukuchithwa kwakho kuphezulu kakhulu.
Izinketho zakho zokujongana neendleko kuxhomekeke ekubeni unetyala elichithwayo ngoku okanye ukuba ulungiselela okokuqala.
Ukuba ukhangele kwixesha elizayo kwaye uyaqonda ukuba kuya kufuneka ufike kule nququ yenguqu ekugqibeleni, nantsi ezinye iindlela zokukhetha ukuchithwa kwakho kwisabelo-mali sakho.
I-akhawunti yeFlexible Spending Account (FSA)
Ukuba unomshuwalense wezempilo osisiseko-msebenzi, unokukwazi ukuthatha inxaxheba kwi- akhawunti yokuchithwa kwemali . I-FSA yinto ekhethekileyo ye-akhawunti yokulondoloza imali enokuthi ingasetyenziselwa iindleko zonyango, njengokuba uhlawula i-deductible yakho, i- copays kunye ne- coinsurance .
Ingaba isebenza kanjani? Bhalisela i-FSA yakho ngexesha lokubhalisa oluvulekile xa ubhalisela i-inshurensi yezempilo. Umqeshi wakho uya kuthi athathe imali encinci yemali engekahlawulwa ngaphambi kokuhlawula imali nganye kwaye uyibeke kwi-FSA yakho. Xa kufuneka uhlawule imali yakho, ungasebenzisa imali kwi-FSA yakho.
Kulula ukuhlawula imali yakho echithwayo usebenzisa i-FSA kuba, kunokuba ube ne-amount enkulu yemali kwi-paycheck enye, uyaphula loo mthwalo wemali kwixabiso elincinci elongezelelekileyo kulo lonke unyaka.
Ukongezelela, imali oyifake kwiFSA yakho iphuma kwi-paycheck yakho phambi kwentlawulo. Oku kwenza inzala yakho encinci ityala-uhlawula irhafu yengeniso encinane. Ngenxa yokuba uya kuba neerhafu ezincinane zentlawulo ezithathwe kwi-paycheck nganye, iminikelo yakho ye-FSA ayiyi kuba nefuthe lakho lokuhlawula ekhaya njengokuba, uthi, ukubeka loo mali yemali kwi-akhawunti yokugcinwa rhoqo.
Umzekelo, mhlawumbi ubeka u-R40 ama-paycheck yakho kwi-FSA yakho kwaye unciphisa irhafu yengeniso yakho nge-$ 8. Umvuzo wakho wokuhlawula ekhaya uza kuba yi-32 engaphantsi kwama-32 ngaphantsi kwexesha elide, nangona uhlala u-$ 40. (Amanani akho ngqo aya kuxhomekeka kwingxowa yakho yerhafu yengeniso.)
Kwenzeka ntoni ukuba kusekuqaleni konyaka kwaye ungagcini okwaneleyo kwi-FSA yakho ukuze udibane ne-deductible yakho okwamanje? Uninzi lwe-FSA luya kubala ubuninzi obuya kubabeka kulo lonke unyaka kwaye luvumele ukuba usebenzise loo mali ukuze uchithe imali yakho, nangaphambi kokuba ithathwe kwi-paycheck yakho. Kukho ezinye izicathulo, nangona kunjalo:
- Ukuba awuyikuchitha yonke imali kwi-FSA yakho ekupheleni konyaka, ungayilahleka. Uvumelekile ukuhlawula i-$ 500 ukuya kwi-FSA yonyaka ozayo, kodwa ulahlekelwa nayiphi na imali engaphezulu kwama-$ 500 asele kwi-FSA ekupheleni konyaka.
- Urhulumente wephondo ubeka umlinganiselo wemali ovumelekileyo ukuba ufake kwi-FSA ngonyaka ngamnye. Ngoko ke, ukuba i-deductible yakho ingaphezulu kwama-2,500 ayi-$ 500, i-FSA yakho iya kubhala kuphela inxalenye yayo.
I-Akhawunti Yokugcina Impilo (HSA)
I- HSA yi-akhawunti yokugcina imali ekhethekileyo esebenza kunye nezicwangciso zempilo ezidityanisiweyo. Ubeka imali kwi-HSA yakho kwaye uyisebenzise kwiindleko zonyango, njengokuba ukhutshwe. Imali oyifakayo kwi-HSA yakho ityhulwa yerhafu kwaye inzala efunyenweyo ikhululekile kwiirhafu zentlawulo.
Ukuba awusebenzisi iifowuni ze-HSA ekupheleni konyaka, akukho sifo. Ihlala kwi-akhawunti yakho ye-HSA, ukuqokelela inzala-ntlawulo yerhafu uze uyisebenzise. Awuyi kulahleka ekupheleni konyaka njengemali kwi-FSA.
Enyanisweni, ukuba unempilweni kwaye awupheli ukusebenzisa yonke imali ofaka isandla kwi-HSA yakho ngonyaka, kunokwenzeka ukuba ukhulise inani elikhulu lokulondoloza irhafu. Abanye abantu baze baqwalasele i-HSA yabo njengenye i-akhawunti yomhlalaphantsi.
Umqeshi wakho unako ukufaka isandla semali yentlawulo yangaphambili yentlawulo kwi-HSA yakho, nangona bonke abaqeshi benjenjalo. Ngokungafani ne-FSA, i-HSA yakho ayifanele idibene ne-inshorensi yempilo.
Unokuzibeka ngokukhawuleza njengoko unesicwangciso sezempilo esiphezulu esiphathekayo (HDHP).
Ukuze ufumane i-HSA yakho kwaye usebenze ngokukhawuleza, ungadlulisela imali kwi-IRA yakho (i-akhawunti yomhlalaphantsi ngamnye) kwi-HSA yakho ngaphandle kwesinye isohlwayo xa ulandela yonke i-Internal Revenue Services (IRS) ngokufanelekileyo. Kwakhona, kukho izicathulo:
- Kumele ube nesicwangciso sezempilo esiphezulu esinqunyiwe sokuvula i-HSA. Akuyiyo yonke isicwangciso sezempilo kunye noko kubonakala ngathi i-deductible ephezulu ngokwenene i-HDHP. Ukuba awuqinisekanga ukuba i-inshurensi yakho yezempilo i-HDHP, qhagamshelana nesicwangciso sezempilo okanye isebe lenkxaso-mali yakho ukuba uhlole phambi kokuba uqalise i-HSA.
- Ukuba usebenzisa imali kwi-HSA yakho into ethile ngaphandle kweendleko zonyango ezifanelekileyo, uya kuhlangabezana neentlawulo zerhafu.
- Kukho imida malunga nokuba ungakanani imali onokuyibeka kwi-HSA kunanoma yimuphi unyaka onikeziweyo, kodwa akukho mida ukuya kumlinganiselo ongaphantsi kuwo.
Ukulungiswa kweMpilo yeNtlawulo (HRA)
I- HRA ilungiselelo phakathi kwakho nomqeshi wakho evumela umqeshi wakho ukuba abuyisele iindleko zakho zonyango, kubandakanywa ne-deductible yakho. Kufana ne-HSA ngaphandle kokuba umqeshi wakho kuphela onokufaka imali kuyo-awukwazi ukuzixhasa.
Ekubeni umqeshi wakho uhlawula i-akhawunti, akuyona imali yakho, njengemali kwi-HSA. Ukuba uyeka umsebenzi wakho, unakho okanye ungafumani ukuba ugcine i-akhawunti-kuxhomekeke kwindlela umqeshi wakho aqoke ngayo i-HRA. Iimali ezishiywe kwi-akhawunti zidla ngokugqithisa kunyaka ozayo, kodwa oko kumqeshi wakho.
Inkxaso-mali yokwabelana ngeendleko
UMthetho woNonophelo olungabonakaliyo udale inkxaso-mali yokunceda abantu abanemali ethobekileyo bhatala iinshurensi zabo ze-inshorensi, iimali zokubhalwa kwemali kunye ne-coinsurance. Kukho izikhokelo zokufumana umvuzo kwaye kufuneka ube nesicwangciso se- inshurensi yezempilo ye-silver-tier oyithengayo kwi- inshurensi yempilo yomshuwalense .
Ukuba unelungelo lokufumana inkxaso -mali yokwabelana ngeendleko , ngokuqinisekileyo uya kufanelekela ukufumana inkxaso-mali ye-premium eyenzelwe ukukunceda ukuhlawula iimpompo zomshuwalense zenyanga. Ungasebenzisa imali oyilondolozayo kwiindleko ze-premium ukubeka kwi-deductible yakho.
Musa ukuyihoxisa le ngxowa-mali nje ngokuba isicwangciso sakho sempilo esingekho isicwangciso esisekelwe kwishintshi-based. Ukuba ucinga ukuba unokufaneleka, funda malunga nalo ngoku ukuze ukhethe isicwangciso esifanelekileyo ngexesha lokubhala ubhaliso oluzayo. Akunakukunceda kulo nyaka, kodwa ngonyaka ozayo awuyi kuba nexhala.
Uhlahlo lwabiwo-mali oluKhuselekileyo
Ukuba uqeqeshwe, unokukrhawula ixabiso elimiselweyo ngalinye lokuhlawula ukubeka kwi-deductible yakho. Ngelixa ungafumani nayiphi na inzuzo ekhethekileyo yentlawulo enjengeyo-FSA okanye i-HSA, awuyi kukhishwa yimithetho emininzi ye-IRS malunga nendlela ongayilondoloza ngayo kwaye kufuneka usebenzise ntoni imali.
Kungaba lula ukwakhiwa kweengxowa-mali ezikhawulezileyo ukuhlawula imali echithwayo xa ucinga ngayo njengokuhlawula ibhilikhwe kwangaphambili kunokuba ungasondeli. Ngokubanzi, amathuba okuba uya kugula aphezulu kwaye uya kufuneka uhlawule imali yakho emva kokuba ufuna unyango. Le bhili-mali iya kugqitywa ngokufanelekileyo. Yihlawule kwangaphambili.
Ukuseta i-akhawunti ekhethekileyo ukubamba iimali zakho ezichithwayo. Inyanga nganye xa uhlawula irenti yakho, izibonelelo, i-inshurensi yemoto, kunye nezinye iindleko, ubeke imali kwi-fund yakho ye-inshurensi ye-deductible fund. Ukuba unobhanki lakho ngokuzenzekelayo ulithumele kwi-akhawunti yakho yokukhangela kwi-akhawunti yokulondoloza okanye yemarike yemali, uya kuba nako ukuyenza ngokufanayo.