Sebenzisa iziKhwama zakho ze-FSA Ngaphambi Kokuyeka Umsebenzi Wakho
Unayo i-akhawunti yokusebenzisa imali evumelana nezimo ezikukhokhela izindleko zezokwelapha ezifana nomshwalense wakho wezempilo onqunyelwe ukukhokhelwa , i- copays , ne- coinsurance ? Ingabe usuzoqedwa, ushiye umsebenzi, noma uthathe umhlalaphansi? Ukwazi ukuthi kuzokwenzekani ku-akhawunti yakho ye-Flexible Spending uma ulahlekelwa umsebenzi wakho kuzokusiza wenze izinqumo ezihlakaniphile.
I-Akhawunti Yakho Yezindleko Zokusebenzisa I-Flexible Ixhunywe Ngomsebenzi Wakho
Ikhono lakho lokusebenzisa i-FSA yakho lixhunyaniswe nomsebenzi wakho.
Kodwa-ke, uma uvumelekile ukufakwa kwe-CSA ye-FSA yakho, ungahle uqhubeke usebenzisa iFSA yakho ngisho nangemva kokulahlekelwa noma ukuyeka umsebenzi wakho.
Uma ukwandiswa kwe-COBRA ye-FSA yakho kuyatholakala, kubalulekile ukukhumbula ukuthi umqashi wakho wangaphambili ngeke afane neminikelo ye-FSA egameni lakho, noma ngabe benza kanjalo uma uqashwe. Esikhundleni salokho, uzobe wenza leyo micala ngemali yentela emva kwezimali, kanye nemali yokuphatha yephesenti engu-2.
Ngakho ayikho inzuzo eqhubekayo yentela yokukhetha i-COBRA ye-FSA, ngaphandle kwekhono lokucela ukubuyiselwa kwezimali ezazisaseFSA lapho kulahlekelwa umsebenzi.
Kwenzekani Emalini Ye-FSA Yami Lapho Ukuphela Kwami Kuphela?
Imali eshiywe ingasetshenzisiwe ku-FSA yakho iya kumqashi wakho ngemuva kokuyeka noma ukulahlekelwa umsebenzi wakho ngaphandle kokuthi uvumelekile futhi ukhethe ukukhishwa kwe-CSA kwe-FSA yakho.
Ngisho noma ukwazi ukuqhubeka ne-FSA yakho ne-COBRA, imali yakho ye-FSA ayikwazi ukusetshenziselwa ukukhokhela izinkokhelo zomshuwalense wezinyanga zonyaka we-COBRA, futhi ingasetshenziselwa amaphrimiyamu omshwalense wezempilo okungewona we-COBRA njengalezo ezinikezwe ngempilo yombuso ngamunye umshwalense wokushintshanisa
Uma ungafanelanga ukuqhubeka ne-FSA yakho nge-COBRA, uzozama ukusebenzisa imali ku-akhawunti yakho ye-Flexible Spending ngaphambi kokuba umsebenzi wakho uphele ukuze ungalahlekelwa imali.
Indlela Yokusebenzisa Imali Yakho Ye-FSA Futhi Ngisho Nokuphuma Ngaphambili
Ake sithi ushiya umsebenzi wakho ngo-Mashi, futhi ufuna ukusebenzisa i-FSA yakho.
Izindaba ezinhle ukuthi kungenzeka ukuthi uthathe imali engaphezulu kwe-FSA yakho kunokuba ufake kuso. Kanjani? I-FSA yakho izokhokha izindleko zezokwelapha ezifanele kuze kube semali oyizibophezele ukufaka isandla kulo lonke unyaka, ngisho noma ungakanikeli lokho okuningi okwamanje.
Ake sithi uvumile ukufaka imali engu-$ 2,000 phakathi nonyaka. Ngomhla kaFebhuwari, unikele nge $ 333 uma uphula i-wrist. I-FSA yakho izokubuyisela yonke imali engu-$ 2,000 othembise ukuyofaka yona kulo nyaka, noma ngabe wenze kuphela imali engu-333 eminikelweni ye-FSA kuze kube manje.
Uma ngabe ushiye umsebenzi wakho noma ulahlwe ekuqaleni kuka Mashi, akudingeki ukhokhe umehluko we $ 1,667 emuva. Akunakubali ngisho nokuthola imali engenayo.
Kwenzekani nge $ 1,667 okufanele ube nomnikelo kodwa awuzange? Umqashi wakho uthatha u-$ 1,667 hit wezimali. Kodwa, ungazizwa unecala kakhulu. Lezi zindleko zomqashi zikhokhiswa yizimali ezingasetshenzisiwe eziqashiwe umqashi ngabanye abasebenzi ekupheleni konyaka (kuye ngokuthi imithetho yomqashi, kuze kufike ku-$ 500 ingaqhutshwa ngonyaka ozayo ku-FSA, noma umqashi wakho angavumela abasebenzi izinyanga ezimbili nangesigamu emva kokuphela konyaka ukusebenzisa izimali ze-FSA ezisele-kodwa ngaphandle kwalezo ezingekho, izimali ze-FSA ezisele ku-akhawunti zilahlekelwa unyaka ngamunye).
Uma ungaguli, akukho ukukhathazeka. Kunezindlela ezihlukahlukene zokusebenzisa imali yakho ye-FSA ngokushesha. Nazi ezinye zezindlela:
- Thola ukuhlola-noma eziningana . Qinisekisa ukuthi usesikhathini sakho seminyaka yonke, futhi uhlole nabanye odokotela abamele ukwelashwa owamukelayo. Ngaphansi kwe-ACA, akukho izindleko zokunakekelwa okubanzi kokuvikela (uma nje uhlelo lwakho lungakazalwa), kodwa kunezinsizakalo ezengeziwe ezinganikezwa ngesikhathi sokuvakashelwa kahle ukuthi kuzofaka amacala.
- Thenga izibuko ezintsha. Manje yisikhathi esihle sokuthi amehlo akho ahlolwe futhi uzithenge njengezibili eziningi zezibuko (noma oxhumana nabo) njengoba ucabanga ukuthi uzodinga esikhathini esizayo esiseduze. Futhi ungakhohlwa izibuko zangaphandle! Uma nje izibuko zelanga zifaka imithi yakho yokulungiswa kombono, ungasebenzisa izimali ze-FSA ukuzithenga.
- I-Restock ukunakekelwa kwekhabhinethi yakho siqu . Izinto eziningi ezithengiswa emashalofini esitolo sangakini sezidakamizwa zingathengwa ngezimali ze-FSA. Kodwa kunemithetho oyidingayo ukuyiqonda, futhi akusiyo njalo enembile. Isibonelo, amapayipi okungahambisani nawo angathengwa ngezimali ze-FSA, ngakho-ke ukugoba ukushisa kunciphise ukukhwabanisa kokuya esikhathini-kodwa imikhiqizo efana namathoni namapayipi okuya esikhathini ayikwazi. Isitolo se-FSA sinesithuluzi sokusesha lapho ungena khona uhlobo lomkhiqizo oyidingayo futhi kuzokutshela ukuthi ungasebenzisa imali ye-FSA ukuyithenga. Kunobubanzi obubanzi bemikhiqizo efanelekayo ye-FSA sonke esiyisebenzisayo njalo, futhi lokho kungagcinwa uma udinga ukusebenzisa imali ye-FSA. Izinto ezinjengama-bandages, ama-thermometer, izicathulo zokufaka izicathulo, amakhondomu, ukuhlolwa kokukhulelwa, kanye ne-sunscreen sonke singathengwa ngemali ehlezi ku-FSA yakho-okuyiyona ndlela engcono kunokuba nje ulahlekelwe imali.
- Thola i-prescription yemithi engaphezu kwe-counter bese uphinde ubuyeke lokho . Ngaphezulu kwemithi ye-counter kungaba ngokuvamile ithengwa ngezimali ze-FSA uma unesidakamizwa kubo (i-insulin ayihlukile kulo mthetho). Kodwa uma udokotela wakho ekubhalela imithi ye-OTC meds, ungayithenga ngezimali ze-FSA. Ngakho cabangela ukuxoxa ngalokhu nodokotela wakho uma wazi ukuthi uzodinga izidakamizwa ezithile ze-OTC futhi unayo imali ku-FSA yakho okudingeka isetshenziswe ngaphambi kokuthi ushiye umsebenzi wakho.
- Ziphathe ngokwakho ekwelapheni kwempilo yengqondo . Abantu bavame ukuthola ukuthi bafuna ukubona umuthi wezempilo yengqondo, kodwa abakwazi ukuthola owamukela umshuwalense wabo wezempilo. Kodwa ungasebenzisa imali ye-FSA ukukhokhela ukunakekelwa kwezempilo yengqondo. Ngakho-ke uma ngabe ufuna ukuthola umhlinzeki futhi unayo imali yokushisa ku-FSA yakho, ungasebenzisa izimali zakho ze-FSA ukukhokhela umuthi.
- Thola noma yimaphi ukwelashwa okukhethiwe . Ube ucabangela noma yiluphi uhlobo lokuhlinzwa noma olunye ukwelashwa kodwa ulubeka isikhathi esikahle kakhulu? Manje yisikhathi! Ngokuya ngecebo lakho, ungase ukwazi ukusebenzisa imali ku-FSA yakho ukuze ukhokhele imithi yokwelashwa edingekayo njengokwelapha nokuphathwa kwe-chiropractic.
Ama-FSA ayengaguquki ngokomthetho we-Tax Cuts and Jobs Act
Ngo-December 2017, abameli beRiphabliki baphumelela ngo-HR1, babamba uMthetho wokuThuthwa kweNtela noMsebenzi. Umthetho awuzange wenze ushintsho emithethweni ephathelene ne-FSAs. Ukuhlelwa kwangaphambili kwe-House House ka-HR1 bekuyoqeda ukunakekelwa kwe-FSA, okuvumela abasebenzi ukuba bagcine imali engama-$ 5,000 ngonyaka kwi-FSA ekhethwe izindleko zokunakekela izingane. Kodwa iNdlu yashintsha umthethosivivinywa ngoNovemba 2017 ukuze izinsizakalo ze-FSA zingaxoshwa.
Ukunakekelwa kwe-FSAs enokwethenjelwa kuhlukile kwi-FSA yezokwelapha, kodwa kokubili kuhlale kuqinisiwe ngaphansi kwe-Bill ye-GOP yokuvuselelwa kwentela.
Nge-HSA, Ungayithatha Nakho Lapho Uhamba
Uma umqashi wakho enikeza uhlelo lwezempilo oluphakeme olufanelekayo lwe-HSA (HDHP) futhi ubhalisa kulo, uzoba nenketho yokubeka imali kwi-akhawunti yokulondoloza impilo (HSA). I-HSA ikuvumela ukuthi ulondoloze imali yentela ngaphambi kokukhokhela izindleko zezokwelapha, njenge-FSA. Kodwa izinzuzo zentela ze-HSA zinamandla kakhulu kunezo ze-FSA .
Kukhona umehluko omkhulu phakathi kwe-FSAs ne-HSAs , naphezu kokuthi bobabili indlela ekhokhelwa intela yokukhokha izindleko zezokwelapha. Uma une-HSA futhi ushiya umsebenzi wakho, imali iyahamba nawe. Lokhu kuyiqiniso noma ngabe imali ku-HSA yakho ibekwe ngumqashi wakho egameni lakho (ngokungafani neminikelo yakho). Futhi akukho "ukuyisebenzisa noma ukulahlekelwa" nokulawulwa kwama-HSA, ngakho-ke uma ungadingi ukusebenzisa izimali zakho ze-HSA zezindleko zezokwelapha futhi wena (kanye / noma umqashi wakho) uye wafaka imali ku-HSA iminyaka eminingana, wena ingaba nesitoreji esihle sokulondoloza ku-akhawunti.
Uma ushiya umsebenzi wakho, yonke leyo mali isabakho. Uma ushintsha ku-HDHP entsha (noma ugcine i-HDHP yakho nge-COBRA), ungaqhubeka nokufaka imali ku-HSA yakho. Uma ushintshela ohlelweni lomshuwalense wezempilo olusha olungelona i-HDHP (isibonelo, mhlawumbe umqashi wakho omusha unikezela uhlelo lwezempilo olungenalo i-HSA-olufanelekayo), awukwazi ukufaka enye imali ku-HSA yakho (kuze kube uma futhi uma unesifo se-HDHP futhi), kodwa ungaqhubeka ukuhoxisa imali ku-HSA ukumboza izindleko zakho zezokwelapha ngaphandle kwepulani lakho elisha.
Ngakho-ke ukuthatha lokhu ukuthi uma une-HSA, akudingeki ukuba uhlasele ukusebenzisa imali ku-akhawunti uma uhlela ukushiya umsebenzi wakho-noma ekupheleni konyaka ngamunye.
Futhi enye indawo lapho i-HSA ithatha khona i-FSA yukuthi uma unemali ku-HSA yakho uma ushiya umsebenzi, ungasebenzisa izimali zakho ze-HSA ukukhokhela izinkokhelo ze-COBRA noma izinkokhelo zemishwalense yempilo akhokhelwa ngenkathi uthola izinzuzo zokungasebenzi. Izimali ze-FSA azikwazi ukusetshenziselwa ukukhokha noma yiziphi izinhlobo zemishanguzo yomshuwalense wezempilo, kungakhathaliseki isimo.
> Imithombo:
> Congress.gov. I-HR1 - Umthetho wokuhlinzekela ukubuyisana ngokuhambisana nezihloko II no-V zesinqumo esiphelele kwisabelomali sezimali > ngonyaka ka 2018 >. > Yenzelwe 12/22/2017.
> I-FSA Feds. I-FSA Yokunakekelwa Ethembekile.
> Isevisi yangaphakathi yeNgeniso, Isaziso sika-2013-71 .
> Isevisi yangaphakathi yeNgeniso, Isaziso 2015-87 .
> Insizakalo yangaphakathi yeNgeniso, Hlela manje ukusebenzisa Amalungiselelo okuHlelwa kweMpilo eFlexible ngo-2018; Banikela ku-$ 2,650; Inkokhelo ye-Carryover engu- $ 500 Iyatholakala Kwabaningi. NgoNovemba 15, 2017.