Ngokungafani ne- Akhawunti ye- Flexible Spending Account , ungagcina i- Akhawunti ye-Savings yakho yezempilo xa ushiya umsebenzi. Nangona uvule i-HSA yakho ngokubambisana neSicwangciso seMpilo esiphezulu seDeductible (HDHP) esivela kumsebenzi wakho, i-HSA ngokwayo ingeyakho ukuyigcina. Yonke imali kuyo, kuquka neminikelo yomqeshi oyenziweyo, iminikelo oyenzile, kunye nomdla, ngowakho.
Ukuhlawula iikhompyutri ze-COBRA usebenzisa i-akhawunti yakho yokugcina imali.
Ukuba ulahlekelwa yinshuwalense yakho yempilo ngenxa yokushiya umsebenzi wakho, ungasebenzisa imali kwi-HSA yakho ukuhlawula iiprayimari zenyanga zenyanga ze- COBRA ye-inshorensi yakho yezempilo. Oku kuthathwa njengendleko yonyango efanelekileyo; awuyi kuhlawulwa irhafu yengeniso okanye isohlwayo se-20% kwi-HSA zokurhoxiswa kwee-premium ze-COBRA.
Kuthekani ukuba awukwazi ukufumana i-COBRA, awufuni ukuqhubeka nesicwangciso sakho sempilo eseleyo, okanye awuvumelekanga kwiCOBRA ? Ngethuba nje xa ufumene inzuzo ye-federal okanye ye-unemployment status, ungayikhoxisa imali kwi-HSA yakho ukuhlawula iiprimiyamu ze-inshorensi yezempilo. Ngokomzekelo, ungathenga isicwangciso sezempilo ukusuka kwi-Career Affordable Care Act yakho ye-Intanethi kunye nokusebenzisa imali kwi-HSA yakho ukuhlawula iiprayimari. Ngokuxhomekeke kwingeniso yakho, unokufumana uncedo lwe-subsidy karhulumente ukukunceda ukuhlawula iipresimari zenyanga ukwenzela ukuba imali yakho ye-HSA isolwe ngakumbi.
Nangona kunjalo, ngokukhawuleza xa uyeka ukufumana iingeniso zokungasebenzi, ungalibali ukuyeka ukusebenzisa iifowuni ze-HSA ukuhlawula loo mali i-premium yomshuwalense.
Sebenzisa i-HSA yakho njengeNgxowa-mali ye-Emergency
Imali kwi-HSA yakho inokurhoxiswa ukuhlawula iindleko zonyango. Kodwa akufanele uhoxise imali kwi-HSA yakho xa unayo indleko yonyango.
Kunoko, unokuhlawula iibhilidi zakho zonyango ngeminye imali (emva kwentela) kwaye ugcine irhafu. Emva koko, inyanga okanye iminyaka okanye emashumi eminyaka kamva, unako ukurhoxisa imali kwi-HSA yakho ukuzibuyisela ngokwakho indleko yonyango oye uyihlawula ngemali yerhafu yerhafu (oku kucinga ukuba awuzange ubeke iindleko zonyango kwi-tax return yakho ngonyaka bahlawule; awunakuze udibanise ngokuphindwe kabini kwiirhafu zakho, ngoko ke ukuba uthe wahlutha, awukwazi kwakhona ukuzibuyisela ngokwakho ngemali ye-HSA ngaphambi kokuhlawula irhafu).
Ngoko abanye abantu baphatha i-HSA njengengxowa-mali yongxamiseko, inotyalwe kwiimpahla okanye iibhanki okanye i-akhawunti ethatha inzala, kunye nokufumana inzuzo engenakuhlawulwa irhafu kwinyanga enye ukuya kwenye. Bahlawula zonke iibhilikhwe zabo zonyango kunye nezinye iimali, kwaye bagcine iirisithi. Emva koko ukuba bafuna imali-ngenxa yokulahleka komsebenzi, umzekelo-banokukrazula ngokubanzi kwi-HSA njengoko baye bachitha kwiibhili zonyango ngeli xesha bebenayo i-HSA. Kwaye ukurhoxiswa akuhlawulwanga, kuba kusetyenziswe ngezobuchwepheshe ukuhlawula iindleko zonyango, kwiinyanga ezininzi okanye emva kweminyaka.
Ukulahlekelwa Yakho Isicwangciso Sempiliso Sempilo Ephakamileyo? Yeka Iintlawulo Zakho zeHSA.
Ukuba ulahlekelwa ngu-HDHP ye-inshorensi yempilo yomshuwalense, awuyi kukwazi ukufaka isandla kwi-HSA yakho kude ufumane kwakhona i-HDHP.
Oku kuyinyaniso nokuba ufumana inshuwalense yezempilo kwindlela ehlukile yezempilo. Ukungabi ne-HDHP kuthetha ukuba awuvunyelwe ukuba negalelo kwi-HSA yakho.
Nangona kunjalo, unako ukurhoxisa irhafu-mali, i-penalty-free funds kwi-HSA yakho ukuhlawula iindleko zonyango ezifanelekileyo ukuba unayo i-HDHP, unalo uhlobo oluhlukile lwe-inshurensi yezempilo okanye awuqinisekanga.
Ngoko ke xa ufumana i-HDHP kumqeshi wakho omtsha, okanye uthenge i-HDHP ngokwakho ( ngokutshintshiselwa kwimeko yakho okanye ngaphandle kokutshintshiselana), ungaqhubeka nokunikela kwi-HSA yakho. Ukuba utshintshela kolunye uhlobo lwe-inshurensi yezempilo, okanye ugqibe ukungaqinisekisiwe ngokupheleleyo ixesha elithile, awukwazi ukufaka nayiphi na into kwi-HSA ngethuba ongenayo i-HDHP.
Kodwa xa ugqiba ukufumana ingxelo ye-HDHP kwakhona ngaphambi kokuphela konyaka, kwaye unesiqendu se-HDHP ngo-Disemba 1, unako ukufaka ixabiso elipheleleyo kwi-HSA yaloo nyaka (i-$ 3,450 ngo-2018 ukuba unomsebenzi wokuzifaka nje wena phantsi i-HDHP, okanye i-$ 6,850 i-$ 6850 xa unika ingxelo kwaye ubuncinane nelinye ilungu lentsapho phantsi kwe-HDHP). Kodwa kukho i-caveat: Ngoko ke kufuneka ugcine i-HDHP yakho inxaxheba kulo nyaka ozayo (oku kuthiwa ixesha lokuvavanya) okanye mhlawumbi uza kufuneka ukhokhe irhafu kunye nesohlwayo kwezinye ze-HSA iminikelo oyenziweyo ngonyaka xa ungenayo ingxelo yeHDHP kunyaka wonke.
Ukuthatha umhlalaphantsi? Imigaqo ekhethekileyo Faka isicelo kwi-akhawunti yakho yokugcina imali.
Emva kokuba uneminyaka engama-65, unako ukurhoxisa imali kwi-HSA yakho nayiphi na isizathu ngaphandle kokujongana nesigwebo se-20% sokurhoxiswa kwezempilo. Nangona kunjalo, kuphela imali oyihoxayo kwiindleko zonyango ezifanelekileyo ziya kubakho irhafu. Uya kuhlawula irhafu yengeniso rhoqo kwimali oyihoxayo ngeenjongo zonyango.
Iipalamus ze-Medicare zibhekwa njengeendleko zonyango ezifanelekileyo, kodwa i-Medicare eyongezelelweyo imigaqo efana ne- Medigap ayikho. Uya kuhlawula irhafu yengeniso kwi-HSA zokurhoxiswa ezisetyenziselwa iiprayamamu ze-Medigap, kodwa i-HSA zokurhoxisa ozisebenzisayo kwiipalamama zama-Medicare ziza kuhlawulwa irhafu.
Awunakho ukwenza iminikelo kwi-HSA yakho emva kokuba ubhalise kwi-Medicare.
Ufuna ukutshintsha ii-HSA?
Awunayo ukugcina i-HSA yakho kunye nomgcini ofanayo; ungasusa i-HSA yakho kumgcini omnye kulondolozo. Unokucinga ngokukwenza oko ukuba
- Awunelisekile ngemirhumo yakho yangoku ye-HSA yokulondoloza.
- Awunelisekanga ngeendlela ozikhethileyo zokuncedisa i-HSA.
- Umlondolozi wakho wamanje unikela ukuphathwa kwe-HSA kuphela kwi-intanethi kwaye ukhetha ukufumana inkonzo yabathengi ubuso nobuso ngokuhamba egxina lakho lasebhanki lendawo.
Ukutshintshwa kwi-HSA yomgcini kwelinye kunokwenziwa ngokudluliselwa ngqo kweempahla phakathi kwamagosa. Ngamanye amagama, umgcini wakho omdala we-HSA utshintshela imali ngqo kwi-HSA yakho entsha yokugcina. Ukulandela imithetho kwi-IRS Publication 969, "Ungafaki imali ehanjiswe njengeniso, uyikhuphe njengomnikelo, okanye uyihlanganise njengokuhambisa kwiFomu 8889."
Abanye abaxhasi bahlawula intlawulo yokudlulisa impahla okanye ukuvala i-akhawunti, ngoko qiniseka ukuba ubuza.
> Imithombo:
> INkonzo yeNgeniso yangaphakathi. I-Akhawunti Yokulondoloza Impilo (HSA) kwi-Glance.