Izinzuzo, ukuHlangana kunye nokungafani phakathi kwe-HSA kunye ne-FSAs
Ii-Akhawunti zeeFlexible Spending and Accounts Savings Accounts ngamathuba amabini aseMerika angakhetha ukubeka bucala imali kwiintlawulo zabo zokusebenzisa iindleko zonyango. Ukubeka eceleni kuthetha ukuba imali iya kwiakhawunti ukuba usebenzise kamva. I-akhawunti nganye ineenzuzo zayo kunye nemithetho eyahlukeneyo yokusetyenziswa. Kukho ukufana okuphawulekayo kunye nokwahlukana phakathi kwee- akhawunti ze-Flexible Spending Accounts (ii-FSAs) kunye ne-Akhawunti ze-Savings Health (HSAs).
Uhlobo olukhulu kunabo bonke phakathi kwe-FSAs kunye ne-HSAs
Ubume obubaluleke kakhulu phakathi kwama-akhawunti amabini kukuba uvumelekile ukubeka eceleni imali phambi kokuba uyihlawule irhafu yerhafu kuyo. Ngethuba nje loo mali isetyenziselwa kuphela "iindleko ezifanelekileyo" (jonga ngezantsi) ngoko awuyi kuhlawulwa irhafu yengeniso kuloo mali.
Ukuba ukuhlawula irhafu ngaphambili kunokuncedisa kwi-savings enkulu kuwe. Umzekelo: Ukuba usebenzisa i-$ 500 kwiindleko ezinxulumene nempilo emva kokuba uhlawule irhafu yentlawulo, mhlawumbi unokuba ufumane i-$ 650 ukuba ube ne-$ 500 ukuze uqale (kuxhomekeke kwinqanaba elithile lerhafu.) Ukuba ubeka loo mali ukuya kwi-HSA okanye kwi-FSA, oku kuthetha ukuba akuzange uhlawule irhafu kuyo, ngoko kufuneka ufumane i-$ 500 ukuze ube ne-$ 500 eyokuchitha. Enyanisweni, usebenze iiyure ezimbalwa ukufumana loo mali, kwaye iindleko zakho ezihlobene nempilo zazingama-$ 150 ngaphantsi.
Umehluko omkhulu phakathi kwe-FSAs kunye ne-HSAs
Phawula umehluko wokuqala, ovame ukuxutyaniswa xa babini bafaniswa.
I-FSA yi-akhawunti yokuchitha imali . Oku kubonisa ukuba ulindeleke ukuba uchithe imali oyibeke bucala phakathi nonyaka ibekwe eceleni. I-HSA i-akhawunti yokulondoloza , intsingiselo, ungayigcina loo mali ide uyenayo, nokuba awuyidingi kude kube yiminyaka emininzi kamva.
Ingqwalaselo yeAkhawunti yeeFlexible Spending
I-akhawunti yokuchithwa kwe-flexible ye-year set aside.
Ngenyanga nganye kuloo nyaka othile, isixa semali oyifumene ngaphambili siya kuncitshiswa kwi-paycheck yakho kwaye ufake i-akhawunti yakho ngokusebenzisa loo nyaka. Ungasebenzisa loo mali nayiphina " iindleko ezifanelekileyo " njengoko kumiselwe yiNkonzo yangaphakathi yeNgeniso (IRS).
Iindleko ezifanelekileyo zingabonyango, kodwa banokunyamekela iintsuku (kubantwana okanye asebekhulile, abantu abadala). I-IRS igcina uluhlu oluhlaziyiweyo lweendleko zezempilo zeFSA ezifanelekileyo.
Ukusebenzisa imali oyibeke eceleni, uthumela irhafu yexabiso elifanelekileyo kumntu onkampani yakho otyunjwe ukujongana nala ma risithi. Loo mntu uthumela iirisithi zakho kwiziko eliphatha i-FSA yakho kwaye ubuyisela imali leyo kwi-akhawunti yakho. Kwiminyaka yakutshanje, abanye abaqeshi amakhulu baye baqala ukukhupha amakhadi okubakho ukufikelela ngokuthe ngqo kwi-FSA yakho ukuze ungayi kuphuma kwinkqubo yokungeniswa kwe-receipt.
Inqakrazo yeFSA yinto yokuba iyisebenzisa-okanye-okanye ilahlekelwe yona. Imali oyimisele konyaka omnye kufuneka isetyenziswe ngaloo nyaka, okanye iya kutshabalaliswa. Yingakho kubalulekile ukuqikelela ngokuthe ngqo ukuba ucinga ukuba uza kuchitha njani iindleko ezifanelekayo ngonyaka.
Njengoko kunjalo nayiphi na inkqubo yoorhulumente, uya kufuna ukuqhelana nemithetho yokusetyenziswa kwe-FSAs ukuqinisekisa ukuba i-FSA iyona nto ikhethekileyo.
Ingqwalaselo yeAkhawunti yokuLondoloza impilo
I-akhawunti yokulondoloza impilo yimiba emininzi, mhlawumbi nakwixesha lokuphila libeke eceleni iakhawunti. Iifosti kwi-akhawunti ingangena ngqo kwi-paycheck yakho, umqeshi wakho angenza idiphozi kwi-akhawunti, okanye unokwenza idipozithi ngokwakho. Njengoko kuchazwe ngasentla, imali egcinwe kwi-HSA ayikho imali ehlawulwa yerhafu.
Xa kufika ixesha lokuba uhlawule i-pocket yeendleko zonyango ezifanelekileyo , unokuzibuyisela ngokwakho kwi-HSA yakho. Ngokungafani ne-FSA, iindleko zonyango okanye zempilo kuphela ezifanele ukuhlawulwa kwi-HSA yakho. Ukuba uthabatha imali ngaphandle kwesizathu esinye, kuya kuba phantsi kwentlawulo kunye nezigwebo ezinokwenzeka.
I-IRS igcina uluhlu lweendleko zonyango ezifanelekileyo kwi-HSA. Oluluhlu lubandakanya ukuhlawula i-co-payable, i-deductibles, iindleko zonyango, iimpahla zonyango ezizinzileyo ezinjengeengqungquthela okanye iiglasi.
Inzuzo enkulu kwi-HSA yinto yokuba imali isoloko eyakho ukugcina okanye ukuyisebenzisa. Ayikuphela ekupheleni konyaka. Ungasindisa imali engenahla yerhafu kwi-HSA ngelixa uhlala kuma-20s, kwaye ungalisebenzisi kuze kube nguwe-60s okanye okanye kamva.
Nangona kubonakala ngathi i-akhawunti yokugcina loo nto iya kuba yinto ebalulekileyo kuyo wonke umntu, kungekhona wonke umntu avunyelwe ukuba ne-HSA. Kuphela abo banesicwangciso se-inshurensi yezempilo ephezulu-ntengo bangenza i-HSA ukuze bafumane inzuzo yerhafu yokufumana irhafu. Imithetho malunga nokuphakanyiswa kwexabiso elidityanisiweyo, kwaye uninzi olunokugcinwa luyahluka konyaka.
Ngaphambi kokuba uqalise i-HSA, uya kufuna ukuqonda ngokucacileyo ukuba i-HSA isebenza njani , kwaye idibene njani nenkqubo yomshuwalense wezempilo ephezulu, kunye nemithetho kunye nemida yokugcina nokubuyisela.