Nzira Dzakanakisisa dzekutarisira HSA dzako Mari
A Health Account Account kana HSA, urongwa hunokosha hunobvumira vatengi vezvirongwa zvekuchengetedza hutano hwakakosha kuti vasiye imwe mari yekutora mari yegore roga roga nekuda kwehutano hwemunhu. Maererano neongororo dzakawanda munguva pfupi yapfuura, inenge chikamu chechina chevatori vechikamu muzvikwata zvepamusoro zvekuchengetwa kwehutano zvinobatanidzwawo mubhuku rekuchengetedza hutano, uye nhamba iyi iri kuwedzera (kubva kubva pa8 muzana muna 2014).
Izvi hazvishamisi, sezvo muvhareji wegore rega wega wekugadzirisa mari yega wega wega wega wega wega wekukwira yakakwira nekusvika 230 kubva muzana mumakore gumi apfuura, zvichienderana nemashoko kubva kuKaiser Family Foundation.
Kubatsirwa kweKushandisa Health Savings Accounts
Pane zvakawanda zvinobatsira kuva neHSA account. Kutanga, inoshanda semapato maviri emitero sezvo mari isingabhadharwi inopinda muyo account uye inowanika kushandiswa kune zvisiri izvo zvinotengesa zvinhu zvekurapa uye mabasa. Chechipiri, mari yacho inoshandiswa zvizere, naizvozvo kana munhu achichinja mabasa kana kusiya basa shure, mari ndeyadzo yekuchengeta nekushandisa mune ramangwana mari inoshandiswa.
Kubva pakushanda kwevashandirwi, nhoroondo dzekuchengetedza utano dzinochengetedzawo pahutano hwemari yepamusoro yepamende nekuti vatengi vanosarudza pavanoshandisa mari yavo. Ikoko kune sangano kune vashandi vanotora chikamu chikuru chezvokurapa. Sangano reNational Bureau of Economic Research rakaita sangano rakaratidza vashandi vakapa HDHPs pamwe neHSAs kuderedza mari yekuchengetedza kwehutano kwemakore matatu (zvichifananidzwa nevaya vasina kupa maitiro aya ezvimwe sarudzo).
Mari Mari Inogona Kuponeswa Sei mune HSA?
Gore rega roga, Internal Revenue Service inotsanangura mari yakawanda inogona kugoverwa kuhutano hwekuchengetedza hutano, uye miganhu ye 2016 inopa $ 3,350 yemunhu uye $ 6 750 yemhuri (inodarika $ 100 kubva muna 2015). Zvakakosha kuziva kuti chirongwa chikuru chekuchengetwa kwehutano chinofanira kuve nechikwereti kubva muhomwe ye $ 1,300 pagore kuitira kuti nhengo dzikwanise kushandiswa kweHSA.
Mari idzi dzinoenderera mberi gore negore, uye hazvibhadharwi zvakasiyana nemamwe mapurogiramu ekuchengetedza mabasa. Mukati yemakore makumi maviri emakore, munhu ari kurasa mari yakawanda muHSA angachengetedza madhora 67 000 uye mhuri inogona kubvisa $ 1.3 mamiriyoni; kudzivisa kusaderedza muzvikwereti zvinokwana zvinoitika.
Kuwana Nyaya Inobva Kubhuku Rekuchengetedza Utano
Sezvo munhu ane utano hwakanaka hwevatano, pane nzira dzekuwana zvakanyanya kubva pane izvi zvinobatsira. Kutanga, kana nzvimbo yako yebasa inopa HDHP ine $ 1,300 kubva muhomwe deductible, nyora neakaona nezvekuchengetedza kwekuchengetedza kwekuchengetedza uye uise chikamu chakanakidzwa chekinyorwa mubhuku pakutanga. Sezvaunogamuchira kukurudzirwa kana kuwedzerwa kwemari, ipai iyi mari yakawedzerwa muHSA yako. Kana kambani yako yakafanana nemadhora, ipai mari yakawanda yaunokwanisa gore negore.
Shandisa iyo nhoroondo chete nokuda kwehutano hwakabatana. Tenga zvakapoteredza kuti zviwanike zvakanakisisa zvezvipatara, vashandi vehutano, hutano hunoda, midziyo yezvokurapa, nemirairo musati mava kushandisa account yako yekuchengetedza utano. Bvunza nezvekuzvipira iwe pachako panzvimbo yekuisa mukutaura kwekambani yako ye inshuwarisi yebasa iyo inishuwarenzi isingavaki, semabharoreta uye nemishonga yekurapa yakasimba.
Vakawanda vanotarisira vanozofara kugamuchira mari iyo pfupi yekubhadhara kweHSA uye kupa kupa kwechipo panzvimbo pokumirira kuti chiremba chireve kuuya mumwedzi yakazotevera.
Dhavhima iyi IRS List yeAkaunti Yokuchengetedza Utano - Mari Yakagamuchirwa
Chengetedza yezvaunoshandisa mari nekuchengetedza zvese zvemari uye uzviise mumari yako yebhajhini. Nokuti HSA inotungamirirwa nebhangi, iwe unogona kazhinji kuwana zvinyorwa zvekushandiswa pamutengo wako wegore wekuverenga. Iwe uchava nemhosva yezvinhu zvose zvaunenge wazvitenga uchishandisa HSA yako, saka ita nehanya uye kuchengetedza marekodhi akanaka. Taura nemushandi wako kana usingazivi kuti ungashandisa sei mari yako. Kana ukashandura zvirongwa zvehutano kana kupedza basa, unotora akaunti yako newe, saka iva nechokwadi chokuti uribatanidza ne email yako uye iwe unotumira mashoko.