Ngo-2003, uhulumeni wesifundazwe wakha uhlobo olusha lwe-akhawunti, okuthiwa i-akhawunti yokulondoloza impilo (HSA), ukwenza kube lula kwabanye abantu ukuba bakwazi ukukhokhela umshuwalense wezempilo. Labo abafanelekile banganciphisa amaphrimiyamu omshwalense wezempilo futhi basindise amadola yentela.
Ama-HSA ajoyina uhlu lwamanye ama-akhawunti axelwe eceleni angasisindisa ukukhokha intela kwezinye izindleko ezithile.
Okokuqala, ama-akhawunti asetshenziselwa ukushintsha imali (FSA) akuvumela ukuba ubeke eceleni imali yezinto ezibalulekile njengezindleko zezempilo noma ukunakekelwa kwamasuku. Ama-akhawunti wokulondoloza kwezokwelapha nawo ayatholakala kwabanye abantu. Kodwa kokubili kwalezi zinhlobo zama-akhawunti, ekupheleni konyaka, uma ungazange usebenzise imali oyilondolozayo, khona-ke uyayilahla. Ngenxa yomthetho wokulahlekelwa, abantu abaningi ngeke bacabangele ukuhlela lezo zinhlobo zama-akhawunti. Kungani bengengozi yokulahlekelwa imali yabo?
Yingakho i-akhawunti yokulondoloza impilo ingaba usizo kakhulu. Yindlela yokulondoloza imali okufanele isetshenziselwe izindleko zempilo, ukwazi ukuthi imali ngeke ilahlekelwe ngoba ingasetshenzisiwe ngoDisemba 31.
Ama-HSA asetshenzisene ndawonye nemiphakamiso ye-High-Deductible Insurance Insurance
Umuntu oyedwa okhetha uhlelo oluphezulu lokunciphisa umshwalense wezempilo olungasetshenziswa angasebenzisa i-HSA. Njengoba amaphrimiyamu omshwalense wezempilo ekhuphukile, amaphrojekthi amaningi aphezulu anikezwa abaqashi.
Kungenzeka ukuthi zitholakale kulabo abazisebenzayo, nalabo okumele bathenge umshuwalense ngamunye.
Isu somshwalense ophezulu-deductible uyala ama-premium aphansi ngenyanga. Ngoba i- deductible iphezulu kakhulu, i- premium yenyanga iphansi.
Ngakho-ke, umqondo uwukukhetha uhlelo oluphezulu lokudonswa, ukhokhe imali ephansi yokukhokhela umshuwalense, futhi ubeke umehluko ku-HSA ukukhokhela ukunakekelwa umshuwalense ngeke awufihle.
Imali igcinwa kusuka e-dollar yangaphambi kwentela ngakho akukho ntela engenayo ekhokhwa kulawo madola.
Kuphakanyiswa kangakanani ukuthi umshuwalense udonswe isidingo sokuba? Ngo-2014, umuntu kufanele akhethe uhlelo nge-deductible ye $ 1,250 noma ngaphezulu. I-deductible yomndeni kufanele ibe yinani eliphansi lama-$ 2,500.
Isibonelo sokuthi i-HSA isebenza kanjani
Yisho ukuthi unenketho phakathi kwepulani elingu-$ 500 elidonswayo elibiza u-$ 1,000 ngenyanga noma i-$ 2,500 i-deductible plan ebiza u-$ 500 ngenyanga. Kuzama ukukhetha iphrimium engezansi, kepha kuyesabeka ukucabanga ngokushaywa ngokudinga ukukhokha u-$ 2,500 ephaketheni. Ngakho khetha leyo deductible ephakeme kanye ne-premium yayo ephansi, bese usindisa imali engu-$ 2,500 ngonyaka ngonyaka we-HSA usebenzisa amadola angaphambi kwentela. Izokusindisa ama-dollar amaningana ezintela, plus uzokwazi ukufinyelela kuleyo akhawunti yokulondoloza nganoma yiziphi izindleko zokunakekelwa kwezempilo ezingenzeka.
Imali ingeyakho yokugcina unyaka nonyaka futhi iphathekayo kumqashi kumqashi, noma indawo eya endaweni kuze kube yilapho udinga ukuyihoxisa izindleko zakho zezokwelapha. Ngeke ilahlekelwe ukungasebenzisi. Ngaphezu kwalokho, awusoze ukhokhela intela ngaleyo mali uma nje isetshenziselwa izindleko zezokwelapha kuphela.
Njengoba uthola izindleko zezokwelapha ezifanelekayo, noma yini evela ekuqokweni kukadokotela ukuya ekuvivinyweni kwezokwelapha, emithini yemithi kadokotela, ngisho neminye indlela ehambisanayo noma ehlukile yemithi, ungasebenzisa imali ku-HSA yakho uma nje ungabuyiselwa yomshuwalense wakho wezempilo .
Ubuhle nobubi
I-HSA iyinhlangano enhle kwabanye abantu, kodwa ingabi nomqondo kwabanye. Uma ukunakekelwa kwezempilo akuyona imali enkulu kuwe, i-HSA ingahle isebenze kahle. Uzoshintsha inani elikhulu lamaholo wakho wezempilo emalini ongayilondoloza futhi usebenzise kamuva uma uyidinga ngempela. Uzothumela kancane ezinkampanini zomshuwalense lapho zizophela khona uma zingalokothi zisetshenziswe.
Iningi labantu abanezindleko zokwelashwa eziphakeme ngeke lithole inzuzo ekusebenziseni i-HSA. Ngokuvamile ama-deductible plans aphezulu ahambisana ne-co-pay ephakeme kanye neminye imingcele, ngakho-ke noma yikuphi ukuhlomula ngokusebenzisa i-HSA kulahlekelwa yizo izindleko.
Kungase kube khona inzuzo yentela. Kuzodingeka ukhiqize izinombolo ezithile noma ukhulume nomeluleki wakho wentela ukuze ubone ukuthi i-HSA izokulondoloza imali.
Ukubeka i-akhawunti yokulondoloza kulula kakhulu. Banikezwa abanye abaqashi, kodwa cishe uzothola inkampani yakho yomshuwalense, ibhange, inyunyana yezikweletu noma ezinye izikhungo zezezimali ezizokubeka yona.
Njengokuba kunjalo kulezi zinhlelo eziningi, kunemithetho eminingi nemingcele mayelana nokuthi ubani ongabamba iqhaza, ongakwazi ukufaka isandla ku-akhawunti yakho, ukuthi imali ingasetshenziswa kanjani, nokuthi ingakanani engagcinwa noma isetshenziswe. Buza othile emnyangweni womsebenzi womqashi wakho ukuthi akusize ngemithetho, futhi ukusiza ukuthi unqume ukuthi ngabe i-HSA inengqondo kuwe.
Uma unemibuzo eminingi, uhulumeni ubeke uhlu oluhle lwezisisekelo ze-HSA nemibuzo ebuzwa njalo.