Iwe Zvichida Usingazivi Simba reHSA Yako yekurega Kusarura
Vatori vezvemari vanoziva chimwe chinhu chausingave-iwe paunowedzera HSA yako, humwe hutano hwemitero hunotevera hunotevera. Waiziva here kuti nhoroondo yako yekuchengetedza utano inogona kuva chikamu chakakura chekugara kwako chikafu dzira?
Chii chinonzi HSA?
Nhoroondo yekuchengetedza utano-kana HSA-iyo nhoroondo inonyanya kubhadhara mari yehutano. Nemhaka yekubatsira kwetero kunouya neHSA yako, kupa uye kushandisa kambani kubhadhara mari yakakodzera yezvokurapa kunokupa kukosha kwakanyanya pamari yako yehutano.
Ndine Mvumo Here?
Havasi vose vanofanirwa neHSA. Chidzidzo chikuru ndechokuti iwe unofanira kuvharwa neHigh Deductible Health Plan (HDHP). Sezvo zita racho rinoreva, HDHPs inoda kuti iwe ubhadhe chikamu chakakura chehutano hwehutano huri mberi pamberi peinishuwarenzi mukati. Kuti uwane ruzivo rweHSA chirongwa ichi chinofanira kuti iwe ubhadhara mari yekutanga $ 1,350 ($ 2,700 pamhuri zvirongwa) uye $ 6 650. ($ 13,300 yemhuri)
Yambiro: Kuti ukwanise kuwana HSA, unofanirwa kubhadhara mari iri pamusoro apa usati wiripa inshuwarheni. Izvozvo zvinoreva kuti iwe uri mutoro wemari yehushuwarisi yakachinjwa yekushanyira chiremba. Kana vakapa kambani yeInishuwarenzi $ 150 yekushanyira, iwe unofanira kuripa kusvikira iwe uchibhadhara yako deductible. Asi yeuka, iwe unogona kushandisa HSA yako kubhadhara kubhadhara iyo mari.
Kana iwe uchikwanise kutakura zvikamu izvozvo zvekurapa kwako mberi, HDHPs inowanzobhadhara zvishoma kune dzimwe hurongwa hwehutano hwehutano uye zvichida inokodzera kuHSA.
Uri Utano Hwakanaka Here?
Chinangwa chikuru cheHSA yako ndeyekubhadhara kurapwa asi kana iwe ukashandisa mari yako yose gore roga roga, haugone kushandisa zvisizvo zvinobva pakubata nguva yakareba. Nokuda kwechikonzero ichocho, usafunga nezvenhoroondo yako yekuchengetedza hutano semotokari yemari yekutsvaga kana iwe uchideredza mari yegore negore.
Nei Max Out Your HSA?
Iko kubhadhara mitero kwakanaka kwazvo zvokuti vamwe varongeri vezvemari vanoti kuwandisa kunze kweHSA yako usati wapikira kuIRA. Heino chikonzero nei:
- Unowana kubhadhara mutero kana iwe uchipa mari. Kubva muna 2018, iwe unogona kunyora kusvika ku $ 3 450 yemipiro yako kana iwe usina kuroora kana $ 6 900 nokuda kwezvirongwa zvemhuri.
- Iwe haubhadhara mitero paunenge uchidzoka chero bedzi iwe uchishandisa mari kubhadhara mari yakakodzera yezvokurapa kana mishonga yemishonga yemishonga yemishonga yehutano kana uine makore anopfuura 65.
NeIRA, unowana imwe kana imwe; iwe unowana kubhadhara mutero kana iwe uchipa kana kana iwe uchibvisa asi kwete zvose. NeHSA, iwe unowana kubhadhara mutero kumativi ose maviri.
Contribution Limits
Kubva muna 2018, iwe unogona kupa mari yakawanda ye $ 3 450 kana $ 6 900 yemhuri. (Iyo miganhu iyo inokodzera kubhadhara mutero.) Sezvimwewo mabhizimusi ekurasikirwa, izvi zvinogadziriswa zvichienderana nehuwandu hwekutengesa. Kana ukangosvika pane zvakanyanya, udzokerezve zvipo kune IRA, 401 (k), kana imwe kero yekubatira. Uyewo, sevamwe mabhuku ekurasira, iwe unobvumirwa imwe $ 1 000 mukutora zvipo kana iwe uchisvika makore makumi mashanu.
Penalty Fees
Kungofanana nezvose zvakabhadhara mitero yekubvisa mari, kana ukashandisa mari kune chimwe chinhu kunze kwechinangwa chayo, IRS ichakurova nemimwe chirango chakaisvonaka.
Mari yako yeHSA inofanira kushandiswa kuti iwane mari yekurapa yakakodzera. Kana ukashandisa mari kune chimwe chinhu chipi zvacho, iwe unobhadhara mitero yemari yemari pamutero wekutora pamwe ne20 muzana chirango. Dzimwe kuverenga nokukurumidza zvinoratidza kuti iwe unogona kubhadhara anenge 50 kubva muzana kana kupfuura mubhadharo uye zvikwereti kana usingashandisi mari yechinangwa chayo chinangwa.
Kana ukangosvika makore 65, zvinhu zvinochinja zvishoma. Iwe unogona kushandisa mari yezvinhu kunze kwemari yezvechiremba asi iwe unongobhadhara chete mutero wemari.
Kana iwe uine hutano hwakanaka, kana unogona kubhadhara mari iyo yezvechipatara kubva muhomwe kusvikira iwe uchizosvika pakutsvaga kwako, unogona kufunga pamusoro payo sekuwedzera mamwe $ 3 450 kana $ 6 900 kuRoth IRA yako gore rose. Icho chinhu chikuru!
Iyo Inoshandiswa Sei?
Usati washandisa HSA yako semotokari yemotokari, ita zvimwe kuongorora. Kana iwe waunoshandira akakupa HDHP nekodzero yekuchengetedza utano, chokutanga bvunza nezvekambani iyo inobata HSA mari.
Kana ichisiri chinhu chenguva yechokwadi yekuchengetedza, iwe haungawani rubatsiro rwakakura kubva pakuwedzera kwaro sezvo mari yacho isingatengeswi. Makambani mazhinji anokubvumirai kuisa mari iyi mune chimwe chinhu chinokuvadza kupfuura yekodha yekuchengetedza kero. Kana HSA yako ichisvika nekusarudzwa kwekutsvaga, ndiyo iyo HSA inova motokari yekuvaka pfuma.
Usakanganwa Nezvazvo
Kunyangwe iwe uchikodzera kuHSA kana iwe uri woga, vanhu vazhinji vanowana kambani kuburikidza nevanoshandira. Sezvakaita 401 (k), paunobva kambani yako yezvino, iyo nhoroondo ndeyako kutora newe. Chero bedzi iwe uchiramba uchinyoresa muHDHP unogona kugovera kuHSA yako. Usakanganwa pamusoro pekodhe yako uye uwane mashoko ose pamusoro payo kubva kune dhipatimendi rako rehupfumi kana iwe usina kumbobatana nazvo munguva yakapfuura.
Some Simple Math
Kuti ndikuratidze simba reHSA, chimbofunga izvi: Nokuda kwemasvomho mashoma, ngatitaurire kuti mupiro wepamusoro hauna kukwira uye iwe wakapa chikamu chegore rimwechete kwemakore makumi maviri uye wakagamuchira 4 muzana yehuwandu hwekudzoka.
Tichashandisa mari yakawanda yekudzorera nokuti iwe uchava nemakore akawanda kwaunofanira kubhadhara mari yezvokurapa. Uchishandisa nhamba idzi, iwe unenge uine chikwereti chinodarika $ 113,000 ichocho zvachose musingabhadhari kana chichishandiswa pamari yekurapa yakakodzera.
Sezvaunenge uchirapa mari yako yezvokurapa ichava chikamu chikuru chebhadharo yako yemwedzi. Kuva nemari yakawanda yakasarudzwa kune mari inogona kusanganisira kutarisira kwenguva yakareba gare gare muupenyu hunosiya imwe mari yekubvisa mari yezvinhu zvimwe discretionary.
Usatarisa nhoroondo yako yekuchengetedza utano sechinhu chakanaka kunze kwekupera kwegore negore. Ichi chinhu chishandiso chinokosha mukutora mari yako yekuchengetedza mari.