HSA kwa Thandizo Labwino la Zamalonda

HSA kapena Akaunti Yopulumutsa Moyo ndi Njira Yabwino Yopezera Thanzi Labwino

Ndalama zothandizira zaumoyo zikuyang'aniridwa kukula pamene abwana ang'onoang'ono amalonda akukonzekera bajeti ya chaka chino. Congress yakhazikitsa ma HSAs kapena ndalama za ndalama zachuma, kupereka njira zatsopano zochepetsera ndalama zopezera zamankhwala zamakono. Phunzirani momwe HSA ingathandizire bizinesi yanu yaying'ono.

Kodi HSA ndi chiyani?

HSA ndi mtundu wa chithandizo chowongolera ogulitsa ogulitsa ogulitsa ntchito pokonza ndondomeko yathanzi yowonongeka ya msonkho ndi ndalama zopanda msonkho kwa ndalama za ndalama.

Iwo apangidwa kuti athe kuchepetsa ndalama za inshuwalansi zothandizira olemba ntchito ndi ogwira ntchito.

Mavuto a Thanzi la Zamalonda

Ndi ndalama zomwe antchito amapindula nazo, makampani ang'onoang'ono akukakamizika kupeza njira zatsopano zochepetsera thandizo lawo laumoyo. HSA imapereka njira yatsopano yopindulitsa.

Malingana ndi nyuzipepala ya Wall Street Journal, makampani akuluakulu amawononga ndalama zokwana madola 6,000 pachaka pa inshuwaransi ya wogwira ntchito aliyense. Ndalama zothandizira anthu ogwira ntchito zawonjezeka pafupifupi 15% pachaka pa zaka zisanu pafupifupi pafupifupi $ 700 pamwezi pa wogwira ntchito, malinga ndi kafukufuku wa The Kaiser Family Institute ndi National Association of Health Underwriters. Ndadabwa kuti 47 peresenti ya azimayi azamalonda a ku America sapereka chithandizo chamankhwala ngakhale pang'ono.

Ndalama zothandizira zaumoyo zakhala zikuwonjezeka pa 2.2 peresenti ya kuwonjezeka kwa malipiro ndi 2.3 peresenti ya kuwonjezeka kwa mitengo yachuma kawiri kawiri monga momwe adafotokozera kafukufuku wa Kaiser.

Chiwongoladzanja choyambira chokhachokha chinawonjezeka 9.2 peresenti ku $ 3,383 pachaka. Kodi HSA ikhoza kukonza?

Chiwerengero cha antchito omwe amapereka ndalama zowonjezera ndalamazo sichikhala chosasunthika ndi anthu osakwatira omwe amatenga 16 peresenti ya tab, mofanana ndi 2003. Ogwira ntchito amapereka 28 peresenti ya ndalama zapabanja, kuyambira pa 27 peresenti chaka chatha.

Komabe, ndalama zokhazokha zothandizira ndalama zowonjezereka zinakwera 9.8 peresenti kwa $ 558 pachaka pamene wogwira ntchito mtengo wa ndalama zapabanja anawonjezeka 10.3 peresenti mpaka $ 2,661.

Kaiser adanena kuti kuwonjezeka kunali kochepa chifukwa mapulani a zaumoyo analipira ndalama zochepa kuchipatala, madokotala, ndi mankhwala ena. Kusintha kwa ndalama kumakhala kosavuta chifukwa olemba ntchito akufuna kuwapatsa antchito awo mpumulo atatha zaka zambiri akufuna kuti azilipira.

Wowonjezera deductible kwa bungwe lothandizira anapanga 4.3 peresenti mpaka $ 387 kwa banja la anayi. Koma m'chaka cha 2003 chiwerengero cha owonjezereka cha 9.5 peresenti, pambuyo pa 43 peresenti chinawonjezeka mu 2002.

Ubwino wa HSA

• amagwiritsidwa ntchito potsata ndondomeko ya thanzi yodalirika kwambiri.

• zopereka sizikuphatikizidwa phindu lalikulu - iwo alibe msonkho.

• Thandizani ogwira ntchito kukhala ogula bwino omwe amagwiritsa ntchito chithandizo chamankhwala.

• Kulipilira malipiro oyenera a zachipatala ndizopanda msonkho.

• Kusungidwa kuli ndi mwiniwakeyo ndipo kumatha kuchoka kwa abwana ku ntchito.

• akhoza "kupitirira" chaka ndi chaka kuti apange chisa chofunika kwambiri chochotsera pantchito.

• Kupeza chiwongoladzanja ndi malipiro ndi msonkho wopanda msonkho kapena msonkho.

• zopereka za olemba ntchito sizimapereka msonkho wa malipiro.

• "thumba labwino la mvula" tsiku ndi tsiku.

HSA ndi yabwino kwambiri kuthandiza mabungwe ang'onoang'ono opanda dongosolo lachipatala kuti apereke kwa antchito awo.

HSA ndi mawonekedwe a makaunti opuma pantchito omwe amalembedwa misonkho omwe angagwiritsidwe ntchito mosavuta pazidzidzidzi kusiyana ndi anzawo a IRA.

HSAfinder ndi buku la Information Strategies, Inc. Purezidenti wa pulezidenti, JoAnn Laing wangolemba, "Njira Yopangira Zamalonda ku HSA."