Makhalidwe Abwino Othandizira Kugwiritsa Ntchito Ndalama Zanu za HSA
Akaunti yowonjezera zaumoyo kapena HSA, ndi dongosolo lapadera lomwe limalola ogwiritsira ntchito ndondomeko zothandizira zaumoyo wapamwamba kuti athetse ndalama zowonjezera msonkho chaka chilichonse kuti azigwiritsa ntchito ndalama zawo. Malinga ndi kafukufuku watsopano, pafupifupi kotala limodzi mwa anthu onse omwe ali pa ndondomeko zothandizira zaumoyo akuluakulu amathandizanso kupeza ndalama zowonjezera ndalama, ndipo nambala iyi ikukwera (kuchokera 8 peresenti mu 2014).
Izi sizosadabwitsa, chifukwa mtengo wapachaka wodula mtengo wa ogwira ntchito wodutsa wapitirira 230 peresenti m'zaka khumi zapitazo, kuchokera pa data kuchokera ku Kaiser Family Foundation.
Ubwino Wogwiritsa Ntchito Mauthenga Okhudzana ndi Umoyo
Pali phindu lalikulu kukhala ndi akaunti ya HSA. Choyamba, zimakhala ngati pakhomo la msonkho kawiri pomwe ndalama sizinaperekedwe ku akaunti ndipo zimapezeka kuti zigwiritsidwe ntchito pazinthu zosamalidwa ndi mankhwala. Chachiwiri, ndalama zimagwiritsidwa ntchito, kotero ngati munthu amasintha ntchito kapena amasiya ntchito, ndalamazo ndizozozisunga ndi kugwiritsa ntchito ndalama zowonjezera zamankhwala.
Kuchokera kumalo ogwiritsira ntchito ntchito, ndalama zopezera ndalama zimasungiranso ndalama zowonjezera ndalama zowonjezera ndalama chifukwa ogula amasankha kumene akugwiritsira ntchito ndalama zawo. Pali kayendetsedwe ka antchito omwe ali ndi gawo lalikulu la ndalama. Bungwe la National Economic Research Research linapanga kafukufuku yemwe adawonetsa olemba ntchito omwe adapereka HDHPs pamodzi ndi HSA kuti adzipire ndalama zothandizira zaumoyo kwa zaka zitatu (poyerekeza ndi omwe sanapereke njirazi).
Kodi Ndalama Zingapulumutsidwe Bwanji mu HSA?
Chaka chilichonse, Internal Revenue Service imapereka ndalama zomwe zingaperekedwe ku akaunti za ndalama, ndipo malire a 2016 ndi $ 3,350 payekha komanso $ 6,750 kwa banja (okwera madola 100 kuchokera mu 2015). Ndikofunika kuzindikira kuti ndondomeko yothandizira zaumoyo yapamwamba kwambiri iyenera kukhala ndi ndalama zosachepera $ 1,300 pachaka kuti mamembala aziyenerera kugwiritsa ntchito HSA.
Ndalama zimenezi zimayendetsedwa chaka ndi chaka, ndipo sizinaperekedwe msonkho mosiyana ndi mitundu ina ya mapulojekiti ogwira ntchito. Pazaka 20 za ntchito, munthu amene akuchotsa ndalama zambiri mu HSA akhoza kusunga ndalama zokwana madola 67,000 ndipo banja likhoza kuchotsa $ 1.3 miliyoni; Kulepheretsanso kuchepetsa zomwe zili zovomerezeka.
Kutenga Wopambana Kuchokera ku Account Account Savings
Monga wogulitsa wathanzi, pali njira zopindulitsa kwambiri phindu limeneli. Choyamba, ngati malo ogwira ntchito akupereka HDHP yomwe ili ndi madola 1,300 kuchokera m'thumba deductible, lembani akaunti ya ndalama yachinsinsi komanso ikani ndalama zovomerezeka ku akauntiyo poyamba. Pamene mukulandira kukwezedwa kapena kuonjezera malipiro, perekani ndalama zowonjezera mu HSA yanu. Ngati kampani yanu ikugwirizana ndi madola, ikani ndalama zambiri zomwe mungathe chaka chilichonse.
Gwiritsani ntchito kokha nkhani zokhudzana ndi mankhwala. Gulani kuzungulira ndalama zabwino pazinthu zamankhwala, opereka chithandizo chamankhwala, chithandizo cha ukhondo, zipangizo zamankhwala, ndi zolemba musanati mugwiritse ntchito akaunti yanu ya ndalama. Funsani za kudzipiritsa nokha m'malo momangotengera kampani yanu ya inshuwaransi kuti mupeze mautumiki omwe inshuwalansi sakuphimba, monga ma laboratory ndi zipangizo zamankhwala zotsalira.
Ambiri opereka ndalama adzakondwera kulandira ndalama zowonjezera za msonkho wa HSA ndikupereka kuchotsera kwaulere m'malo moyembekezera kuti madokotala azitenga miyezi ingapo pambuyo pake.
Koperani List of IRS List of Health Savings Akhawunti - Malipiro Ovomerezedwa
Onetsetsani ndalama zomwe mumagwiritsa ntchito populumutsa mapepala onse ndi kuwatumizira mapulogalamu anu a bajeti. Chifukwa HSA imayang'aniridwa ndi banki, nthawi zambiri mukhoza kupeza mawu oti mugwiritse ntchito pafupipafupi. Mudzakhala ndi udindo pa zonse zomwe mumagula pogwiritsa ntchito HSA yanu, kotero muzisamalira mosamala ndikusunga malemba abwino. Lankhulani ndi abwana anu ngati simukudziwa momwe mungagwiritsire ntchito ndalama zanu. Ngati musintha ndondomeko zaumoyo kapena kuthetsa ntchito, mutenga akaunti yanu ndi inu, choncho onetsetsani kuti mukugwirizanitsa imelo ndi imelo yanu ndikudziwiratu.