Pamusoro pemamiriyoni makumi mana eAmerica gore rino, mhinduro kune imwe yemibvunzo iyi ndiyo hungu, maererano nekutsvakurudza kubva kuBuO Partners. Vanoumba chetatu chevashandi vose muUnited States, vanozvishandira ivo pachavo pane kuti vashandire vashandi. Uye pakazosvika 2020, mapoka avo anotarisirwa kuwedzera kusvika ku40 muzana yevashandi vanopfuura makore 21.
Kutsvakurudza kunowanikwa kuti nhengo dze "Gig Economy" dzinowanzofara uye dzine hutano kupfuura avo vanowanzoshandiswa. Asi kana iwe uchizviverenga uri pakati pavo, zvichida hauna hutsika hwekuchengetedzwa kwemutsetse watinotaridzira sevashandi vanobatsira - zvinhu zvakadai semushandirwi-rubatsiro rwehutano hwehutano inshuwarheni, chirongwa chokubvisa mari, mushandi wechip inshurensi, nezvimwe zvakadaro. Uye kushayikwa kwezvipo kunogona kuva nemigumisiro yemari. Imwe muvatatu vakazvimiririra vakazvimirirwa vakaongororwa naVaMo vanoti kuronga kwekurega basa kwakaoma, uye makumi mana kubva muzana vakaratidza kushushikana pamusoro pezvavanobatsira - hutano hwakanyanya zvikuru.
Mhinduro - kana iwe unotarisira kuramba iwe sevashandi vanozvimiririra kwenguva yakareba - ndeyokuwana nzira yekubatanidza pamwe yako podhopu yezvipo.
Hezvino izvo zvaunoda kuita:
Tanga Nehutano
Ichokwadi, ikozvino, utano hwehutano huri mutsara wemubvunzo. Asi izvi hazvirevi kuti iwe unofanirwa kutenga mari yekutenga nhasi uye munguva yemberi iri pedyo.
Gore roga roga, mamwe mabhizimisi anokonzerwa nehutano husina kubhadharwa mune zvehutano kupfuura chero chimwe chinhu. Iwe uri nani pakutsvaga kubhadharwa kwezvino iye zvino-kunyange kana chete kunopedza gore kana zvakadaro-kupfuura kusangana nehutano hwehutano hwemangwana.
Ndicho chikonzero kuchengetedza inshuwarisi yehutano inofanira kuva yekutanga, inoti Noah Lang, CEO weStride Health, nzvimbo yekuchengetedza hutano inobatanidza vashandi vakazvimiririra - kusanganisira pamahwendefa akaita saUber neEtsy - nemagariro anonyanya kukosha kwavari.
"Kana usina chimwe chinhu, asi iwe [wehutano inshuwarheni], iwe unenge wakavharwa nokuda kwekukuvadza kukuru muupenyu hwako," anodaro.
Sezvo nyaya ino ichinyorwa, hatisi muKunyora Kunyoresa Nguva - nguva panguva yegore remwedzi apo mumwe munhu angakonyorera chirongwa chitsva chehutano kuburikidza nehutano hwehutano hwakanaka hwakabuda kubva kune Affordable Care Act (vashandi vane nguva yavo yekunyora yakazaruka ). Iwe unogona kunyora kuti upiwe kana uchive nechiitiko chekufanirwa-kurasikirwa nekugoverwa, kuroora kana kurambana, uye kuva nevana vose vakakodzera. Asi kana zvakadaro, iwe unofanira kutarisira kusvikira kuwa; Gore rakapera rokunyora rakasununguka rakatanga Nov. 1 uye rakapedza vhiki nhanhatu, uye iwe unogona kunge wakatarisira purogiramu yakadaro gore rino.
Pasi pose, kutenga chirongwa zvinoreva kusarudza nzvimbo yekutenga. Iwe unogona kuenda kuburikidza nekugoverana ivo pachavo kuburikidza ne healthcare.gov, kana iwe unogona kusarudza urongwa hunopa humwe hutungamiri. Stridehealth.com ndiyo imwe nzira. Freelancersunion.org imwe. (Uye kana iwe uchiwana pedyo nematanhatu matanhatu, iwe unogonawo kutarisa MBOpartners.com, iyo inopfuurira kunze kwekutarisira kurapa kwehutano kubetsera nezvose kubva pakubatanidzwa nekugadzirisa zvido zvako zvekudzokera kumashure.)
Zvino, iwe unofanirwa kusarudza rudzi rweurongwa hwokutenga.
Zvaunogona kuita:
A PPO, iyo isingakugadziri iwe mu--net networkcare providers (kana kuti kuita kuti utumire kune vanyori), asi achakubhadhara mari yakakwirira yekunze-ye-network providers
IHMO, iyo inowanzovharira kugoverwa kwevashandi vezvechiremba kune vashandi vehutano hwehutano hwehutano avo vanobvumirana navo
Urongwa hwehutano hwakakosha huri neAalth Savings Account, umo iwe unobhadhara huwandu hwekugadza kwako uye zvinyorwa kusvikira unosangana nekutora kwako, uye kushandisa HRA-inobatsira HSA kubatsira kubhadhara mari.
Iwe unoita sei kudanwa? Kana iwe uine hutano hwakanaka (uye kwete kuronga pamusoro pokutora pamuviri chero nguva pfupi), kutenga chirongwa chakakodzwa chinenge chiri nzira yekuenda nayo. Kana iwe uine chirwere chisingaperi (uye sechiremba iwe unozviona), kutenga iyo PPO yemari kana HMO iyo inowedzera zvakawanda zvemari yako inowanzowedzera kushamisika.
Uye cherechedza: Kana iwe uri muchengeti wezvokuchengetedza wakagadzirirwa seC corporation, HRA-A Health Reimbursement Accounts, iyo inokubvumira kupa zvipo zvikuru kupfuura HSA - inogona kuva nzira yakanakisisa yekuenda, inoti Gene Zaino, CEO we MBO Partners.
Zvadaro, Chengetedza Mari Inowanikwa
Iwe unofunga kuti kubhadhara mari kwaizove kune imwechete pane urongwa. "Inowanzova yechipiri inonyanya kuda, asi kwete yechipiri inonyanya kukosha," anodaro Lang. "Dambudziko guru nderokuti iwe haugoni kuratidza basa, nokuti unorwara kana wakakuvadzwa - kana iwe haugoni kubhadhara musero." Unogona kuvhara pane izvi zvichiita nekuva nechokwadi kuti une zvuru zvishoma zvakasungwa kure muzvinhu zvinokurumidza kuchengetedza. Tichifunga kuti 42 muzana chete veAmerica vane mari yakakwana yekuongorora kana kuchengetedza kuvhara $ 400 (maererano neFederal Reserve), iyo inzvimbo umo vanhu vakawanda vanogona kushandisa rimwe basa.
Imwe nzira yekusimudza iyo mari ndeyekutsinhanisa purogiramu yemari yako mukuchengetedza. Iwe unogona kuisa yega yega yega yega kana yepamwedzi kuendeswa nebhangi rako, asi kana iwe uchibhadharwa pane imwe nguva purogiramu izvi zvinogona kutungamirira kumatambudziko nepamusoro pekare. Zvinogona kuva nyore kuchengetedza sezvo iwe uchibhadharwa. Chirongwa chakafanana neThip Yourself chinoita kuti zvive nyore kana iwe ukashandisa kubhadharwa senjodzi kuti uzviwanire kutumira mari. Kana, iwe unogona kuedza Digit, iyo inoratidzira kuti unokwanisa sei kuchengetedza zvichienderana nemari yako, uye muyero muakaunti yako, zvino inotamisa mari yacho pakarepo.
Pakupedzisira, Ita Nekusarura
Kana uri wekusunungurwa, kunyange iwe ukasarudza kudzokera kubasa kumunhu wemhizha, iyo $ 5 500 yeRoth IRA mupiro wamakaita gore rino ingangodaro inokwana $ 60,000 muna 2047. Zvichida zvimwe.
Iwe haudi basa renguva yakazara yekubhadhara kambani yekubvisa mari, uye zvinoshandiswa nevasununguri vakawanda. IRA kana Roth IRA mbiri inokubvumira kupa chikwereti kusvika madhora 5 500 pagore (kana $ 6 500 kana uri makumi mashanu kana kupfuura), uye SEP IRA (yakagadzirirwa zvakakwana vanhu vanozvishanda) inokubvumira kubvisa kusvika 25 muzana mari inoshandiswa, yakagadzirirwa pa $ 54,000 pagore.
Asi Zita rinokurudzira mari yeAalth Savings Account kutanga. Mafungiro ake anonzwika. Iyi $ 3 460 inogona kugovera mumwe munhu, kana $ 6 900 yemhuri, yaka-seyendarama kana yeSeP IRA-tax-deductible. Mari yacho inogona kudyirwa kuti iwedzere mitero-yakatambidzwa. Zvadaro, mukurasira, iwe unogona kuishandisa chero chinhu (kwete kungofanana nemari yezvokurapa) nokubhadhara mitero yemari pamusana pokusiya. Asi kusiyana neIRAs, unogona kushandisa mari yemutero-isina chekuita zvehutano zvido chero nguva. Kana iwe usina HSA-kana kuti mushure mekunge waibhadhara mari-enda kumenyu yeIRAs. Uye sezvakangoita mushandi wekodzero anokwanisa kuisa 401 (k) kuti adzore kubva kune imwe yebhadharo, saizvozvo iwe unogona kuwana nzira yekuisa nekukanganwa mitezo yenguva dzose kubhadharo yako yekurega.