HSA kana Aunti yeUkuchengetedza Utano iA Small Business Health Care Alternative
Chii chinonzi HSA?
An HSA inzira yehutano-hutungamirirwa hutano huripo huri kuronga hurongwa hwehutano hwakakosha huri nekero yekuchengetedza mutero-pasina mari yezvokurapa.
Izvo zvakagadzirirwa kuderedza ushuwarisi hwehutano hwehutano hwevashandi nevashandi.
Matambudziko Okurapa Utano Kune Bhizimisi Maduku
Nekubhadhara kwevashandi kunobatsira kuwedzera, mabhizimisi maduku ari kuomeswa kuti awane nzira itsva dzokuderedza michero yavo yehutano. An HSA inopa imwe nzira inogona kushandiswa.
Maererano neThe Wall Street Journal, makambani makuru emavhareji anoshandisa mari inodarika madhora 6 000 pagore pamushuwarisi wehutano kune umwe neumwe mushandi. Mushandi wehutano hwekurapa akawedzera kuwirirana ne15% gore roga roga pamakore mashanu kusvika kuvhareji yemadhora mazana manomwe pamwedzi pamushandi wega wega, maererano neongororo yeThe Kaiser Family Institute neThe National Association of Health Underwriters. Zviduku zvisinganzwisisiki kuti 47% yevana vemuAmerica vaduku vebhizimisi havatauri kutarisirwa kwehutano zvachose.
Purogiramu dzehutano dzinodhura dzakapfurikidza chikamu che2,5 kubva muhomwe uye 2.3 kubva muzana kukura muhutengo hwezvikamu kanomwe sezvakataurwa neongororo yeKaiser.
Ivhareji yepamusoro yekutarisa imwe chete yakawedzera rose 9.2 kubva kune $ 3 383 gore negore. Ko HSA inokwanisa kugadzirisa here?
Izvo zviyero izvo vashandi vanobhadhara kumayero ehurukuro vakaramba vakatsiga nevasles vachiunganidza 16 muzana yebhuku, zvakafanana muna 2003. Vashandi vakabhadhara 28 muzana yemhuri yepamhuri, kubva pa27 muzana gore rapera.
Zvisinei, zvisingabhadharwi kubva muhomwe yebhasi yepamusoro yepamende yepamusoro ye 9,8 muzana kune $ 558 gore negore apo mari yevashandi yemari yepamhuri yemhuri yakasimuka 10,3 muzana kusvika $ 2 661.
Kaiser akaudza kuti kuwedzera kwaiva kwakaderera nokuti zvirongwa zvehutano zvaive zvisiri kubhadhara kuchipatara, vanachiremba, uye mamwe madhiragi. Kuchinja kwekudhura kwave kuchienzanisa zvimwe nokuti vashandi vaida kupa vashandi vavo purogiramu mushure memakore ekutsvaga kuti vanobhadhara zvakawanda nokuda kwekutarisira kwavo.
Vavhareji deductible kune sangano rakasarudzwa nemupiro rakasimudza 4.3 kubva pamadhora kusvika ku $ 387 kumhuri yevana. Asi mugore ra2003 rose rakagadziriswa 9,5 muzana, mushure mokunge 43 muzana yakawedzera muna 2002.
Kubatsirwa kweHSA
- yakashandiswa pamwe chete neurongwa hwehutano hwakakosha.
- mipiro haisanganisiki mune mari yakawanda-iyo haina mutero.
- kubatsira vashandi kuva vashandi vehutano hwakanaka.
- Marikiti yekubhadhara mari inoshandiswa mune zvemishonga haina mutero.
- kuchengetwa kunowanikwa kune mumwe munhu uye kunogona kubva kumushandi kumushandi.
- inogona "kupfuurira" gore negore kuti igadzire dambudziko rakakura rekurega basa mazai.
- akawana chikwereti uye zvikwereti hazvibhadhari mutero kana kuti mutero-unoderedzwa.
- Mipiro yevashandi haibhadharwi nemitero yemitero.
- "mvura yakanaka yezuva inonaya" yehutano kuchengetedza chirongwa chirongwa.
An HSA inonyanya kugadziriswa kubatsira mashizha maduku pasina zvirongwa zvezvehutano kuti azvipe kuvashandi vavo.
An HSA inzira yekodzero dzekodzero dzekutora mitero dzinogona kushandiswa nyore nyore kune dzekukurumidza kune dzavo dzeIRA.
HSAfinder ibhuku rinonzi Information Strategies, Inc. purezidhendi, JoAnn Laing achangonyora, "The Small Business Guide kuHSAs."