An HSA Inogona Kubhadhara Zvikomborero Zvimwe Chete Paunenge Uchitsvaga Kuda Kwemari
Kana imwe yeizvi zvingasarudzwa iwe, zvakakosha kunzwisisa kuti HSA vs. HRA inofananidzwa sei.
Health Savings Account Basics
Sezvo zita rinoratidzira, HSA ibasa rekuchengetedza iro raireva kushandiswa zvakananga kune utano hwehutano. Nhoroondo idzi dzinobatanidza nehuwandu hwehutano hwehutano hwehutano, hunogona kupiwa nemushandi wako. Iwe unogonawo kusarudza kunyoresa pane chirongwa chakakosha chekuregererwa neHSA kana iwe uri wekushanda.
An HSA inogona kushandiswa kubhadhara huwandu hwakawanda hwemari yekurapa, kusanganisira:
- Chiremba anoshanyira
- Kudzivirira kuchengetedza
- Specialty services
- Physical therapy
- Zvinodhaka uye zvinodhaka zvirongwa zvokurapa
- Kurema-kurasikirwa mapurogiramu
- Organ transplants
- Lab maedzo
- Zvirwere zvemishonga uye zvigadzirwa
- Zvipatara
- Dental services
- Vision services
- Prescription drugs
- Over-the-counter medication
IInternal Revenue Service inogadzirisa kuti HSA mari inogona kushandiswa sei kudii. Somuenzaniso, haugoni kushandisa mari iri muHSA yako kubhadhara zvinhu zvakadai semeno ekuchenesa mabasa, mavhithamini, zvishongo zvinoputika, midziyo yekurovedza muviri kana kuti nhengo yekutamba.
Kushandisa HSA yako mari iri nyore. Inishuwarenzi yako ingakwanisa kukupa kadi ye debit yakabatanidzwa neakaunti yako yekuchengetedza. Iwe unokwanisa kushandura kadhi yako kuti ubhadhara mari yakakodzera yezvokurapa uye HSA wako ndiye anopa hurukuro yemitero pakupera kwegore, kuratidza yako kushandiswa kwemari uye zvipo zvegore negore.
Kwegore ra2018, unogona kupa $ 3 450 kune HSA kana iwe usina kugoverwa. Muganhu unowedzera ku $ 6 900 kana iwe uine mhuri yekuvhara. Vashandi vanogona kuita zvipo zvinoenderana neHSA panzvimbo yenyu. Kushanda kwevashandi uye mari yevashandi haigone kudarika chikamu chemupiro wegore negore.
Kusarudzwa Kwakaita Utano Hwezvokurapa Kwehutano
Chirongwa Chekubhadharwa Kweutano chinopesana neHRA mune nzira dzinoverengeka dzinokosha. Kutanga, haisi iyo mari yekuchengetedza kwega, uye haisi inshuwalano yehutano. Iwe hausi kupa mimwe michero kune iyo account; panzvimbo iyo, wako waunoshandira anopa zvipo kwauri.
Vashandi vanogona kugadzira HRA kune chero mushandi ari pasi pezera remakore makumi matanhatu nemashanu. Ivo vanewo simba pamusoro pekuti ungashandisa sei mari iri munhoroondo yako. Somuenzaniso, kana iwe kurapa mari yekuti inshuwarisi isingabhadhari, unogona kutora HRA yako kuti iwe ubhadhara, uye chengetedza zvese zvakasara iwe pachako. Zvimwe, mushandi wako angagadzirisa hurongwa hwako kuitira kuti iwe ufukidze chikamu chaicho chisina kuvharwa neshuwarisi; saka, HRA yako inopa zvimwe.
Mukutaura kwemupiro wemiganhu, izvi zvinowirirana zvichienderana nehuwandu hweHRA muvakidzani wakagadza. An Integrated HRA iyo inobatanidza neurongwa hwehutano hwakakosha hwechikwata, somuenzaniso, hauna chikamu chemupiro wegore negore.
Munhu Akakodzera Mudzidzisi Mukuru HRA (QSEHRA), yakagadzirirwa mabhizimisi ane vashandi 50 kana vashomanana, vane muganhu wekubatsira we $ 5050 pamusana pekugoverana mumwe nomumwe uye $ 10,250 kuti mhuri iparidzirwe muna 2018.
Kufanana neHSAs, mari inobatwa muHRA inogona kushandiswa chete pamari yekurapa yakakodzera. Kazhinji, izvi zvinosanganisira iyo mari inotarirwa nehutano hwehutano hwehutano, sekushanyira chiremba, mazvipatara nemishonga yemishonga. Washandi wako ane sarudzo yekuwedzera huwandu hwekugovera kuisa huwandu hwakazara hwezvinhu zvinoshandiswa neHSA-zvakakodzera, asi izvi hazviregi.
Kubatsirwa kweHSAs vs. HRAs
HSA neHRA zvingaratidzika zvakafanana zvakakosha asi HSA inopa zvimwe zvinokosha izvo HRAs hadzisi.
Kutanga, mipiro yaunoita inobhadhara mutero. Deductions kuderedza mari yako inotengesa yegore, iyo inogona kuguma mubhadharo wepamusoro wemutero kana kubhadharwa kukuru.
Mipiro yeHRA inodzingwa asi chete kune waunoshandira; hauna kuwana purogiramu yemitero yekuwana imwe yenyaya idzi.
Zvadaro, hauna kutarisirwa kushandisa HSA yako mari kusvikira iwe uchida. Mari yaunobatsira inowedzera gore negore uye kusvikira iwe uchibvisa, inoramba ichiwana mubereko. NeHRA, mushandirwi wako anosarudza kana angakubvumira kutakura michero kubva kune imwe gore kuenda kune inotevera. Kana iyo isiri nzira, HRA yako mari inoshandiswa inoshandiswa-iyo-kana-inorasikirwa nayo.
Nzira iyo iwe unogona kushandisa mari muHSA vs. HRA inopesana. Kana iwe waunoshandira asingasarudzi kuenda kune zvakadzama zvinowanikwa neurongwa hwehutano hwako, iwe unogona kuzviwana iwe uchibhadhara mari yakawanda-kunze kwehomwe yemari yekurapa inogona kuvharwa neHSA.
Pakupedzisira, uye zvichida kunyanya kukosha, HSA inogona kuita kaviri-basa sechirongwa chokubvisa basa. Kazhinji, kurega kubva kune HSA kune chimwe chinhu kunze kwekuchengetwa kwehutano kwaizove kune chikamu chemazana 20 muzana mutero uye mutero unowanikwa pamutero. Kana iwe ukaramba uine utano uye uchingoramba uchingowedzera mari muakaunti yako munguva yemakore ako ekushanda, unogona kubvisa mari kubva kune HSA pazera remakore makumi matanhatu nemashanu kana kupfuura kune chero chinangwa, pasina kuvhara 20 muzana chirango. Iwe unenge uchine chikwereti chemari yemari inowanikwa pamutoro wako asi ino inogona kuva nzira inobatsira yekuwedzera Social Security zvikwereti kana kubhadhara mari kubva kune 401 (k) kana mumwe munhu wekubvisa mari.
Kugovera kune HSA, kunyange kana iwe usingawedzere hurongwa hwako gore roga roga, inogona kubatsira mukugadzira imwezve mari yekuchengetedza mari. Kana, zvakadaro, iwe unongova neHRA chete inowanika, zvakakosha kuti unzwisise kuti iwe ungashandisa sei kuti uone kuti iwe unonyanya kukosha.