HSA Ikhoza Kubweretsa Zopindulitsa Zapadera Mukamasunga Zolama Zamankhwala
Ngati chimodzi mwazimene mungasankhe, ndizofunika kumvetsetsa momwe HSA ndi HRA ikufananirana.
Akaunti Yopulumutsa Okhazikika
Monga momwe dzina limasonyezera, HSA ndi akaunti yosungirako yomwe imatanthawuza kuti igwiritsidwe ntchito makamaka pa chisamaliro chaumoyo. Nkhanizi zimagwirizanitsidwa ndi inshuwalansi yapamwamba ya inshuwalansi, yomwe ingaperekedwe ndi abwana anu. Mukhozanso kulembetsa kuti mulembetse ku pulaneti yapamwamba yoperekedwa ndi HSA ngati muli ogwira ntchito.
HSA ikhoza kugwiritsidwa ntchito kulipira ndalama zambiri zamankhwala, kuphatikizapo:
- Dokotala akuyendera
- Kusamala koletsa
- Mapulogalamu apadera
- Kuchiza thupi
- Mankhwala osokoneza bongo ndi mowa
- Mapulogalamu othandizira kulemera
- Zosintha za thupi
- Mayeso a Lab
- Zida zamankhwala ndi zopereka
- Mazipatala
- Mapemphero a mano
- Utumiki wa masomphenya
- Mankhwala osungirako mankhwala
- Mankhwala owonjezera
Internal Revenue Service imalepheretsa momwe ndalama za HSA zingagwiritsidwe ntchito pa digiri. Mwachitsanzo, simungagwiritse ntchito ndalama zanu mu HSA yanu kuti muzilipira zinthu monga mano opatsa mavitamini, mavitamini, mapuloteni a tsitsi, zipangizo zochita masewera olimbitsa thupi kapena gulu la masewera olimbitsa thupi.
Kugwiritsira ntchito ndalama zanu za HSA n'kosavuta. Kampani yanu ya inshuwalansi ingakupatseni khadi la debit limene likugwirizana ndi akaunti yanu yosungirako ndalama. Mutha kusinthitsa khadi lanu kuti mulingire ndalama zomwe mukuyenera kuchipatala ndipo HSA wanu amapereka ndondomeko ya msonkho kumapeto kwa chaka, kusonyeza ndalama zanu zonse komanso zopereka za pachaka.
Kwa 2018, mukhoza kupereka $ 3,450 kwa HSA ngati muli ndi chithunzi chimodzi. Malire akuwonjezeka kwa $ 6,900 ngati muli ndi chithunzi cha banja. Olemba ntchito angapange ndalama zofanana ndi HSA m'malo mwanu. Onse ogwira ntchito ndi zopereka za abwana sangathe kupitirira malire a pachaka.
Momwe Mpangidwe Wothandizira Kulipira Zaumoyo Ukugwira Ntchito
Kukonzekera kwa Umoyo wodalitsika kumasiyana ndi HRA m'njira zingapo zofunika. Choyamba, si ndalama yowonjezera pa se, komanso si inshuwalansi ya thanzi. Inu simumapereka zopereka zilizonse ku akaunti; mmalo mwake, bwana wanu amapereka zopereka zanu.
Olemba ntchito angathe kukhazikitsa HRA kwa wogwira ntchito aliyense wosakwanitsa zaka 65. Ayeneranso kulamulira momwe mungagwiritsire ntchito ndalamazo mu akaunti yanu. Mwachitsanzo, ngati ndalama za inshuwalansi sizimalipiritsa, mungagwiritse ntchito HRA kuti mulipirire, kenaka pitirizani kusiyana kulikonse nokha. Mosiyana, bwana wanu akhoza kukhazikitsa dongosolo lanu kuti mupeze ndalama zomwe sizinaphimbidwe ndi inshuwalansi; ndiye, HRA yanu imapereka mpumulo.
Malingana ndi malire a zopereka, izi zimasiyana malinga ndi mtundu wa HRA amene abwana amakhazikitsa. HRA Yophatikizana yomwe imagwirizanitsidwa ndi ndondomeko yowonjezera yachipatala yotchuka kwambiri, mwachitsanzo, ilibe malire a pachaka.
Wogwira Ntchito Wang'ono Wamtengo Wapatali HRA (QSEHRA), yomwe yapangidwira makampani omwe ali ndi antchito 50 kapena ocheperapo, ali ndi malire a $ 5,050 kuti apeze chithandizo ndi $ 10,250 kuti apeze chithandizo cha banja mu 2018.
Mofanana ndi HSAs, ndalama zomwe zimagwiritsidwa ntchito mu HRA zingagwiritsidwe ntchito pokhapokha pa ndalama zothandizira kuchipatala. Kawirikawiri, izi zimaphatikizapo ndalama zomwe zimaperekedwa ndi inshuwalansi ya umoyo wanu, monga madokotala, maulendo a kuchipatala ndi mankhwala osokoneza bongo. Wobwana wanu ali ndi mwayi wowonjezera kuchuluka kwa zolembapo kuti awononge ndalama zambiri zomwe zilipo HSA, koma izi sizovomerezeka.
Ubwino wa HSAs vs. HRAs
HSA ndi HRA zingawoneke ngati zopindulitsa koma ma HSA amapereka phindu lina lomwe ma HRA amalephera.
Choyamba, zopereka zomwe mumapanga ndizobweza msonkho. Zotsalira zimachepetsa ndalama zomwe mumatha kupereka chaka, zomwe zingabweretse msonkho wapansi kapena ndalama zambiri.
Ndalama za HRA zimachotsedwa koma kwa abwana anu; simukupeza mphotho yothetsera msonkho chifukwa chokhala ndi imodzi mwa izi.
Kenaka, simukufunika kugwiritsa ntchito ndalama zanu za HSA mpaka mukuzifuna. Ndalama zomwe mumapereka kuchokera ku chaka ndi chaka ndipo mpaka mutachotsa, zimapindulabe. Pogwiritsa ntchito HRA, bwana wanu amasankha ngati akulolani kuti mupereke zopereka kuchokera chaka chimodzi kupita kumapeto. Ngati izi siziri zosankha, ndalama zanu za HRA zimagwiritsa ntchito-kapena-kutaya-izo.
Njira yomwe mungagwiritsire ntchito ndalama mu HSA vs. HRA imasiyananso. Ngati bwana wanu sakufuna kupitirira malipiro a dongosolo lanu la chithandizo chamankhwala, mungapeze nokha kupereka ndalama zambiri zothandizira zachipatala zomwe zingakonzedwe ndi HSA.
Pomalizira, ndipo makamaka chofunika kwambiri, HSA ikhoza kugwira ntchito yowirikiza ngati chida chokonzekera ntchito. Kawirikawiri, kuchoka ku HSA kwa china chilichonse kupatula chithandizo chamankhwala chikhoza kukhala chilango cha msonkho 20 peresenti ndi msonkho wamba. Ngati mukukhalabe wathanzi ndikupitiriza kupeza ndalama mu akaunti yanu muzaka zanu zothandizira, mukhoza kuchotsa ndalama ku HSA wanu ali ndi zaka 65 kapena kuposerapo pazinthu zirizonse, popanda kubweretsa chilango cha 20 peresenti. Mukanakhalabe ndi ngongole yowonongeka yomwe mumakhala nayo pokhapokha mutha kuchoka koma izi zingakhale njira zabwino zowonjezerapo zopindulitsa za Social Security kapena ndalama zopuma pantchito kuchokera ku 401 (k) kapena akaunti ya munthu aliyense pantchito.
Kupereka kwa HSA, ngakhale kuti simungakwanitse kukonza mapulani anu chaka chilichonse, zingakhale zothandiza popanga ndalama zina zowonjezera pantchito. Ngati, komabe muli ndi HRA yokha, ndikofunika kumvetsetsa momwe mungagwiritsire ntchito kuti muwone bwino.