Kunzwisisa Ukama Pakati Pezvipo Zvokuzvidira neHSAs
Nekukwira kwezvirongwa zvekuchengetedza kwehutano zvakakwirira muUnited States, nhoroondo dzekuchengetedza kwehutano (HSAs) inobatsira, inokonesa mari yevashandi nzira inoshandiswa nevashandirwi vazhinji. Vashandi vane mukana wekuisa pasi pekubhadhara mubhadharo mushure mekodhi yavanokwanisa kushandisa kune zvakasiyana siyana zvezvido zvezvechiremba, kusanganisira mamwe maitiro ehutano hwakanaka sekurapa kurapa, chiropractic kuchengetedza, nekusimbiswa kwekudya.
Kubva muna 2017, SHRM inoshuma kuti Internal Revenue Service yakasimudza miganhu iyo vanhu vanogona kuisa kunze kweHSA dzavo (ne $ 50), izvo zvinoita kuti zvive zvakanyanya kunaka kune vashandi.
Kushandiswa kweAalth Maintenance Accounts muUnited States
MuHurumende Inobatsira Purogiramu Inotsvakurudza inopa zano rokuti, "saDecember 31, 2016, kune mamwe madhiyoni mashanu eHSA ane mamiriyoni mashanu nemashanu nemari yose inosvika $ 11.4 mabhiriyoni." Ongororo yakaratidza zvakare kuti vazhinji veAAC vanobata mabhuku vanowanzoshandisa mabhuku avo kuti vawane mari , kusanganisira kubhadhara, co-inshuwarisi, kubhadhara mari, uye mishonga yemishonga inodhaka. Vamwe vari kuvashandisa sekutarisa zvikwereti kuti vabhadharwe mabasa ehutano hwakanaka kana kuronga kwekurapa kwekurapa kukuru, pasinei nekwanisi yekuisa mari iyi mune mamwe mikana yekuwana mitero. Muna 2016, EBRI inoparidza inenge 63 kubva muzana yevashandisi veHSA varasiya mari yemari yakasiyana-siyana.
Zvipo Zvokuzvidira Zvinogona Kupa Rutsigiro Rwokudzora Utano Utano Mari
Zvimwe zvingasarudzwa izvo vashandirwi vangapa kune vashandi ndezvekushandisa kwezvipo zvekuzvidira izvo zvinopa kuwedzera kwekudzivirira kuvashandi.
Aya makumi mapfumbamwe kubva muzana mushandi wezvirongwa zvekubhadharisa mari anogona kubatsira kuderedza mari yekubhadhara mari yemishonga yemishonga yehutano apo vashandi vanoshandisa zvirongwa zvezvido. Zvisinei, ivo vari pane zvakagadziriswa kubatsirwa, izvo zvinoderedza mari yavo inoshamisa kudarika mamwe marudzi einishuwarenzi.
Mienzaniso yemhando dzakawanda dzezvipo zvekuzvidira dzinosanganisira:
- Chirongwa chekuchengetedza zvipatara
- Accident inshuwarisi
- Kanzira uye inshuwalano inorwara yehutano
- Supplemental inshuwarano yehupenyu
- Dental inshuwarisi
- Chiono chinoderedza mari
- Utachiona hwekuremara kwenguva refu uye kwenguva refu
- Identity theft inshuwarisi
- Pet inshuwarisi
- Kubhadhara chikwereti chevadzidzi
Voluntary Benefits Trends muUnited States
Maererano ne 2016 Towers Watson Voluntary Benefits uye Services Survey, "92 muzana yevashandi veUnited States vanobvuma zvipo uye zvibatsiro zvichave zvakakosha kune vashandi vadzo kukosha kwekuita kwemakore matatu kusvika mashanu." Muna 2015, chikamu ichi chaiva 73 muzana. Pakazosvika gore ra2018, zvizhinji zvezvipi zvataurwa pamusoro apa zvinenge zvichange zviri pedo ne80 muzana zvichipa pamwe nemasangano mazhinji.
Ndekupi Kuwedzerwa Kwezvipo Zvokuzvidira Kubva Kubva?
Nhamba inokura yevashandi vanoda mari yezvipo inouya kubva kuvana vaduku vanoda kuwedzera kutarisa pamusoro pehutano hwavo hwemari. Vazhinji vanoda zvirongwa zvekuchengetedza hutano zvakagadziriswa zvinosangana nezvinodiwa zvakasiyana-siyana zvehupenyu hwavo, uye zvinogona kugadziriswa gore negore sezvavanoshandura. Somuenzaniso, mushandi mumwe chete angada pet insurance. Uyezve mushure mekunge uyu mushandi asina kuroorwa anoroora uye anoda humwe inshuwarisi yemumwe mukadzi asingakwanisi kubva kune waanoshandira.
Panguva imwecheteyo, vanhu vakawanda havasi kurasa mari yezvokukurumidzira sezvimwe zvizvarwa zvakaitwa. Ongororo ye 2017 yeBhangerate yevakuru ve1003 yakaratidza kuti 57 muzana yevanhu vemuAmerica havana mari yakakwana yekuvhara kunyange mari inosvika $ 500 dzisingatarisirwi. Iko huru yekubhadhara kune vanhu imotokari uye kugadzirwa kwemusha, uye mari yekurapa. Nepo hupfumi hwave huchiri kupora zvishoma nezvishoma, mari yainowana haina kuenderera mberi nemari yekurarama kubvira pakupera kwema90s. Nokudaro, kuwedzera kweHSA mbiri uye mapurogiramu ekuzvipira kwekuzvidira zvakapa vatengi zvimwe zvipo zvekubhadhara mari yezvechiremba.
Zvinogona Kuzvidira Kuzvipira Chaizvoizvo Kutora Kubva Kuchiviriro Yezvokuchengetedza Mazano?
Zvakakosha kucherechedza kuti hutano hahugoni uye hahufaniri kunge huri hukuru-hunokodzera-yose nzira. Munyaya yezvakachengetwa kwehutano uye pamwe nekuzvidira, vashandi vane chisarudzo chekuti vatore chikamu kana kwete.
Vanokwanisawo kusarudza kuti yakawanda yeiyo yakafanirwa kubhadharwa mari yavanotora iyo yavanoda kugovera kune zvirongwa izvi. Vamwe vanogona kusarudza kupa mari yakawanda kune HSAs kuitira kuti vawane mari yezvinodiwa mune zvehutano (sezvinoitwa kurapwa kunodhura kana kutora pamuviri), asi vamwe vanogona kupa muchero kubhadhara mishonga uye kuchengetedza kuchengetedza chete.
Zvirongwa zvezvipo zvezvipo zvinogona kunge zviri mari yakawanda yekuti vamwe vashandi varonge zvirongwa zvekurapa. Vanogona kutarisana nechirwere chakakomba chinovaisa muchipatara nguva dzose, uye naizvozvo chirongwa chekubhadhara chipatara chinowiripa zvakanyanya kuburikidza nekugara chinogona kunyanya kupiwa mamiriro ezvinhu aya. Mushandi ari kuitika chemotherapirapi angasarudza kuenda nechirongwa chinorwara chekurwara chinopa rubatsiro rwakakosha rwemari kune mari dzisingatarisirwi dzingave dzisina kubvisa HSA account munyaya yevhiki.
HSA vs. Voluntary Insurance
Misiyano pakati peHSA uye zvirongwa zvekuzvidira zvinyorwa zvinonyatsoratidzwa nemashandisirwo ayo.
Nhoroondo dzekuchengetedza hutano zvikwereti zvekare zvisati zvabhadhara zvakatorwa pane imwe mari gore negore. Vane 100 muzana vanozvimiririra mari nevashandi vanoona chikamu chemari yavo yavakagamuchira inopiwa iyo iyi yega yega yega yebhadharo. HSA mari inowedzera, asi usawana mubereko. Mari dzinowanikwa kuburikidza nekhadhi yebhadharo inobhadharwa zvakananga kune vanopa, kana nokuendesa zvibvumirano zvinogamuchirwa zvekubhadhara mubhadha rebhangi. Apo mushandi anoshandisa mari yacho kuti abhadhara basa rinotenderwa kuchipatara kana chigadzirwa, ndeyekugona kwavo pavanenge vachiita kudaro. Vamwe vashandi vanongosiya mari yacho voga uye vanovashandisa semutero wemitero.
Kuzvipira kubatsira ndiko "kushandiswa kana kurasika" sarudzo, kufanana nemamwe marudzi ezvirongwa zvebasa rebasa. Mwedzi woga woga, vashandi vanobhadhara mari shomanana kuburikidza nekubhadhara mari yekubhadhara kuti vatore chikamu muchirongwa chekuzvidira (s) chavanosarudza. Vane 100 muzana vanozvimiririra mari, asi (kusiyana neHSAs) hurongwa hwepurogiramu hahudziri kupfuura nguva. Vashandi vanofanira kusarudza kuti vashandise sei, vanofanira kuisa muzvikwereti zvinotenderwa, uye mari inobhadharwa kwavari (kwete vapei). Izvi zvinoitika kune chimwe chiitiko chakakodzera. Pakupera kwegore, vabatsire nhengo dzinodhadharwa kubhadharwa, uye dzinogona kupedzisa kuisa imwe yemari iyi mune imwe mhando yekombiji yekuchengetedza. Asi ivo vanofanira kubhadhara mitero pairi.
Mhando dzezvirongwa zvekuzvidira zvinogona kuchinja nheyo dzekuchengetedza kwehutano dzinotsanangurwa nemhando yezvido zvemari uye kutarisirwa kunoitwa nhengo yeurongwa. Semuenzaniso, mushandi anogona kutora chikamu mumatongerwo ematambudziko, chirongwa chekubhadhara chipatara, uye chirongwa chakakosha chezvirwere. Uyu mushandi angave akawana ruoko rwakaputsika, ane rwendo kuenda kune imwe nzvimbo yekukurumidzira uye chirwere chinotevera chinoda kugara mu-kuchipatara nekurapa. Iyo chirongwa chebasa chingabhadhara mushandi we $ 750 nokuda kwevhu rakaputsika, chirongwa chekubhadhara chipatara chinogona kubhadhara $ 1 000 pazuva kuti chipatara chirambe, uye chirongwa chakakomba chirwere chichabhadhara $ 0. Kana mushandi ane HSA, iye angasarudza kushandisa izvi kuti abhadhara mari yakawedzerwa yakawedzerwa inoshandiswa nekushandisa HDHP yakawanda yemishonga uyerapi.
Kushandiswa kwezvipo zvekuzvidira kunopa vashandi basa guru rekushandurudza mune zvavanoda kushandisa mari yavo yehutano mari, kwavanowana rubatsiro, uye kutaurirana kuti vaite zvishoma. Inogona kutengwa pamwe chete nemamwe mararamiro ehutano uye inodonha kana isisasviki kune vashandi. Zvirongwa zvezvipiri zvinodhura zvikuru pamapoka eboka, zvichienzaniswa nedzimwe mhando dzezvipo. Vanogonawo kuva vanozvitenga kana mushandi ari pakati pekutora nguva kana kuti akarasikirwa.
Zvakakosha kucherechedza kuti mamwe makiriniki ezvehupirini anopa maitiro okubhadhara oga, izvo zvinogona kupa mari yekuchengetedza kuchengetedza nekuchengetedza hutano. Munyaya iyi, HSA kana urongwa hwehushuwarisi hwekuzvipira hunogona kupa huri nani kune vashandi zvichienderana nezvido zvavo. Izvi ndezvechokwadi zvinotarisirwa nemhando yekuchengetwa kwakapiwa uye nzira yekubvumirwa.
Zvipo zvezvipiri zvinogona kuvawo zvakakodzera kubatsiri vevashandi vari kutanga kungobuda nebasa idzva. Vangangodaro vasina kuwana zvakakwana kuwana mari kune yepasi-yeHDHP inopiwa nevanoshandira, uye havana kuwana nguva yekuvaka mari yakawanda muHSA fund kana rekuchengetedzeka kwekuteerera kero. Muchiitiko ichi, chirongwa chokuzvidira chinogona kupa mari yekuchengetedza kusvikira panguva iyo iyo inogona kuchengetedza zvakawanda muHSA, kana kuti inopa chirongwa chinotapudzwa chehutano hwehutano hwehutano nevanoshandira.
Chikonzero nei Vashandi Vanosarudza Chimwe Chechipiri
Apo vashandi vanopa zvipo zvinozvipira seinishuwarenzi yezino, maonero ekutarisira, inshuwarisi yepanyama uye zvimwe zvasarudzo zvisingabatanidzwi muhutano hwehutano hwehutano, zvinotaridzirwa semabhonasi kuvashandi. Havasi kazhinji vachitarisa izvi sechinzvimbo chekutarisira utano. Vangasarudza kusashandisa HSA nokuda kwezvikonzero zvakasiyana-siyana, kusanganisira kuva nehutano uye kwete kudiwa kwakanyanya. Vanogona kunge vane zvimwe zvinokonzera mari semari yechikwereti chemudzidzi uye mari yemari inodzivirira kuchengeta mari muHSA. Kana kuti vangave vasati vadzidza pane imwe nzvimbo yepamusoro yematero iyo HSA inopa.
Hazvina mubvunzo kuti zvirongwa zvehushuwarisi hwezvivimbiso zvichabva zvichitora nzvimbo yehutano rekuchengetedza nyaya, nekuda kwezvikonzero zvataurwa pamusoro apa. Kuzvipira kubatsira hakubatsiri neHSAs. Apo pavanoshandiswa mukubatana nemamwe mashuwarhu ehutano yehutano uye nheyo dzekuchengeta mari, iyi ndiyo iyo vashandi vakachenjera vane kubudirira kwakanakisisa.
Kunzwisisa nguva uye nguva yekushandisa zvirongwa zvekuzvidira, kana kushandisa HSAs, uye nguva yekushandisa shanduko yemishonga inshuwarheni inouya kune dzidzo nekuziva zvemarudzi ose emarongerwo emaronga. Hapana mazana zana muzana nzira yakakodzera yokushandisa utano hwakanaka, asi kune nzira dzakawanda dzekuchengetedza mari pamusoro pehutano hwehutano nekugara zvakanaka. Vashandi vanofanirwa kuedza kudzidza zvakawanda sezvinobvira pamusoro pezvinhu izvi zvose zvisati zvasarudzwa kusarudza.