Izindleko zokufaneleka yizo izindleko ezithathwa yi-IRS ukuthi ungakhokha ukusebenzisa i-akhawunti yokusebenzisa imali eguquguqukayo (FSA) noma i-Akhawunti Yokulondoloza Impilo (HSA). Uhlu lwezindleko ezifanelekile luhlanganisa ikakhulu izindleko zezempilo nezokudokotela, nakuba kunezinketho ezengeziwe ezifana nezindleko zokugcinwa kwezinsuku ezingasetshenziswa ne-FSA, futhi. (Awuphathwanga lapha.)
Uma umqashi wakho ekuvumela ukuba ulahle imali ethile kwi- akhawunti yokusebenzisa imali , ingakusiza u-bucks omkhulu emithethweni yakho engenayo uma nje uqonda ngokucacile lokho i-IRS ekubheka "njengezindleko ezifanelekayo."
Uma usebenzisa i- Akhawunti Yokulondoloza Impilo ngokubambisana nesicwangciso somshuwalense wezempilo ophezulu , ungagcina imali ngokusebenzisa imali yakho ye-HSA ngalezi zindleko ezifanele ngoba izimali zakho ze-HSA zizogcinwa ngaphambi kokuba ukhokhe intela kubo.
Hlola uhlu lwezindleko ezifanelekayo ze-FSA ezivela kwi-IRS, kodwa qaphela ukuthi ukuhumusha kohlu, nokuthi yini ehluleka ohlwini, okuzokusiza kakhulu ukuthi ukwandise ukusebenzisa kwakho izimali ozibeke eceleni, ngaleyo ndlela ugcine ngokwakho imali yentela kunazo zonke.
Ngezansi ezinye zezibonelo zezindleko ongase uziqaphele izindleko zokwelapha ezifanelekayo.
Izidakamizwa
Noma yini oyisebenzisile ngaphandle kwe-pocket kwimithi kadokotela (hhayi ukubuyiselwa yomshuwalense wakho) ongayisebenzisa njengezindleko ezifanele ze-HSA noma i-FSA.
Kodwa qaphela: kusukela ngonyaka wentela ka-2011, izidakamizwa ezingaphezu kwamakhomishini azange zisakwazi ukukhokhelwa yi-FSAs noma i-HSAs. Kudingeka ufunde mayelana (kanye neqhinga lokusebenzela kulo lonke) izindleko zezokwelapha ezingafaneleki .
Uma ufika ekupheleni konyaka futhi ube nemali engaphezulu ye-FSA oyisebenzisayo, buza udokotela wakho ukuba abhale imiyalelo yakho yonyaka ozayo nganoma yikuphi izidakamizwa ozithatha njalo, kubandakanya amaphilisi okulawula ukuzalwa, umuthi wegazi, ngisho nokuphila izidakamizwa ezifana ne-Viagra.
Yiqiniso, uma ukhokha ukuthenga lezo zidakamizwa ngonyaka owodwa, ungazifaki ekulinganiseni kwakho kwezindleko ngonyaka ozayo.
Ukuyeka imikhuba yakho emibi
Uma usebenza nodokotela wakho ukuyeka ukubhema, noma ukuyeka ukuphuza, noma ukunciphisa isisindo (bheka ngezansi), lezo zindleko zingase zifanelekele ukukhokhelwa ngeFSA noma i-HSA yakho.
Uma ufika ekupheleni konyaka wakho we-FSA, kungase kube yisikhathi esihle sokukhuluma nodokotela wakho mayelana nokuyeka ukubhema, ukulahlekelwa isisindo, noma uma kunesidingo, uzihlolele esiteshini sokuhlala kabusha. Qiniseka ukuthi ubhala ukuhlolwa okudingekayo phakathi nonyaka ofuna ukusebenzisa lezo zindleko ku-FSA yakho.
Ukulahlekelwa Isisindo Somzimba Wezokwelapha
Uma unesifo somfutho wegazi, isifo senhliziyo noma utholakala sengathi ukhuluphele, ezinye zezindleko ezingaphandle kwe-pocket zokulahlekelwa isisindo zingabuyiselwa.
Isibonelo, uma uhlanganyela ohlelweni lokulahlekelwa isisindo (Ababheki be-Weight, Jenny Craig, abanye), noma uma usebenza nomqeqeshi wokulahlekelwa isisindo ngaphansi kokudokotela wakho, futhi ukhokhela lezo zinsizakalo ngaphandle kwomshuwalense wakho, bese bangase bafaneleke.
Uzodinga ukukhipha lezo zindleko ezifanelekile izindleko zokudla, noma yiziphi izindleko ezivele zishintshwe esikhundleni salokho okunye okudingayo ngaphambi komsebenzi wokulahlekelwa isisindo.
I-IRS icacile kakhulu ngalokho okungenzeka, noma kungenjalo, kube yindleko yezokwelapha ezifanelekile eziphathelene nokunciphisa umzimba. Indlela yakho engcono kakhulu ukusebenzisana nomqondisi we-HSA yakho noma i-FSA ukuthola ukuthi yini engakwazi ukuyibuyisela, noma ayikwazi ukuyikhokhela.
Izivivinyo zokuvimbela noma zokuhlola
Umthetho Wokunakekelwa Kwezezimali (Affordable Care Act) uhlinzeka ngezivivinyo eziningi zokuvimbela ngaphandle kwezindleko ezingaphandle kwezezimali. Abakhokhi kulindeleke ukuthi bakhokhe zonke izindleko.
Noma kunjalo, kungase kube nokuhlolwa okuvimbela noma ukuhlolwa okungekho kulolu hlu ongalufuna ngenxa yezimo ezandulele noma umlando womndeni. Co-ukhokha noma izindleko eziphelele zokuhlolwa komzimba noma izinkolonoscopies noma ezinye zizobuyiswa ngeFSA noma i-HSA yakho.
Uma usondela ngasekupheleni konyaka, futhi unayo imali engaphezulu ye-FSA oyisebenzisayo, cela udokotela wakho ukuthi yiziphi izivivinyo ongahamba ngazo kulo nyaka ukuze zikhokhwe ngokusebenzisa i-FSA isethi-eceleni kwemali.
Ukuthuthukiswa Kwekhaya
Lokhu kuvame ukumangala. Uma wenza ukuguqulwa ekhaya lakho ukuze linikeze inkinga yezokwelapha, khona-ke lezo zindleko zibhekwa njengezindleko ezifanelekayo.
Izitimela, imishayo yokusekela, ukulungiswa kwemigwaqo, iminyango noma izitebhisi, ukwakha irempu yokungena noma yimuphi omunye ushintsho - uma nje kudingeka kwenziwe ukuze uthuthukise ukufinyelela kwakho ezingxenyeni zasekhaya ngenxa yezinselele zomzimba / zezokwelapha, ungabuyiselwa yi-FSA noma i-HSA.
I-IRS inikeza imihlahlandlela, kanye nephepha lokusebenzela ukukusiza ukuthi unqume ukuthi izindleko zakho zokuthuthukisa ikhaya zifanele yini.
Amabhethri
Uma udinga amabhethri ukuze uthole usizo lwakho lokuzwa, imitha yakho ye- glucose , noma nganoma yisiphi esinye isisetshenziswa esisekela impilo yakho noma isimo sezokwelapha, ungase ubuyisele imali yakho nge-HSA noma i-FSA yakho.
Gcina amarisidi, yenza inothi mayelana nokuthi amabhethri asetshenziselwa ukuqiniseka ukuthi uyayahlukanisa kunoma yikuphi ukuthengwa kwebhethri okungase kungakufaneleki.
Uma sekuphela konyaka futhi udinga ukusebenzisa imali ye-FSA, khona-ke uthenge amabhethri angeziwe kulawo mapilo noma amadivayisi wezokwelapha.
Ukuhlala
Uma kufanele ulale ubusuku kude nomuzi nganoma iyiphi inhloso yezokwelapha (isibonelo, uma ufuna ukwelashwa esibhedlela esiseduze nomuzi wakho, noma ufisa ukubonisana nombono wesibili wesazi), ingxenye yezindleko zokuphuma kwakho yendawo yokuhlala edolobheni ingabhekwa njengezindleko zokwelapha ezifanelekayo.
Futhi, qaphela. I-IRS icacile kakhulu ngemithetho okufanele ilandelwe.
Izinkomfa Zezokwelapha
Njengesiguli noma umnakekeli ogunyaziwe, ungase ube nesithakazelo ekuxhumeni nabanye ababhekana nezinkinga ezifanayo zezokwelapha ozenzayo, ukufunda kuzo, ukuthola okufundwayo kwamuva nokucwaninga.
Cabanga ukuya enkomfeni ekhuluma nezithakazelo zakho zezokwelapha. I-IRS izokuvumela ukuthi usebenzise izimali ze-HSA ne-FSA ukuze ukhokhele ukungena kwengqungquthela, nakuba ngeke kukuvumele ukuthi usebenzise lezo zimali zokuhamba, ukulala noma ukudla.
Izakhi Zokuhlola Ukukhulelwa, Ukwelashwa Kwezinzalo Nokugaya Inzalo
Kungakhathaliseki ukuthi ucabanga ukuthi ukhulelwe, noma unenkinga yokukhulelwa umntwana, noma ufuna ukuqiniseka ukuthi awusakwazi ukukhulelwa, noma ukubeka omunye umuntu eceleni, izindleko ezungeze isimo sakho njengoba zihlobene nokubeletha zizobhekwa njengezindleko zokwelapha ezifanelekayo .
Isikhumbuzo sokuthi ukuphuma kwakho ephaketheni, izindleko zokubuyisela ngeke kube izindleko eziphelele zalezi zenzakalo noma imikhiqizo; kunalokho bayoba noma yini engavunyelwe umshwalense wakho wezempilo.
Uma sesondela ngasekupheleni konyaka, unayo i-FSA amadola ukuze usebenzise, futhi uhlela ukukhulelwa ezinyangeni ezimbalwa ezilandelayo, cabanga ukuthengwa kwamathikithi wokuhlola okukhulelwa ukuze usebenzise enye yale mali. Kodwa ungahle uhlele kude kakhulu. Lezi kits zokuhlola zingaphelelwa yisikhathi, futhi uma zenza, zingase zingalungile.
Ukuthutha noma Ukuhamba
Ukuhamba noma ukuhamba nganoma yisiphi isizathu sezokwelapha yizindleko ezifanele, kufaka phakathi amathikithi, igesi, izinguquko zamafutha kanye nokunye ukugcinwa, izimali zokupaka kanye nama-toll.
Yiba nesibindi ngokugcina i-mileage log kanye namarisidi wakho ukuze uphinde uvuselele noma yimaphi ama-reimbursements owethemba ukuyifinyelela.
I-Lasik noma Okunye Ukulungiswa Kwembono
Uma umbono wakho udinga ukulungiswa, noma ngabe ugqoka ama-lens, izibuko, noma ukhetha i-Lasik noma nezinye izinhlinzeko zeso, ukwelashwa kwakho ukuthuthukisa ukulungiswa kubhekwa njengezindleko zokwelapha ezifanele uma nje ungazange ukhokhwe ngenxa yomshwalense wakho noma umqashi wakho.
Uma usondela ngasekupheleni konyaka wentela, cabanga ukuthenga amaqoqo engeziwe ama-lens oxhumana nawo, noma i-glasses eyengeziwe, uma udinga ukusebenzisa imali.
Ama-Wigs
Uma ugqoka i-wig ukumboza ukulahlekelwa kwezinwele okubangelwa ukwelashwa, kungakhathaliseki ukuthi ulahlekelwe izinwele zakho ngesikhathi se-chemo, noma ikhanda lakho lihlonywe ukuhlinzeka, izindleko ze-wig zizoba yizindleko zempilo ezifanele uma nje udokotela wakho uyeluleka.
Ukuze ubhale phansi isidingo sakho se-wig, cela udokotela wakho ukukubhalela incwadi noma afake iseluleko kumanothi wakhe odokotela. Faka ikhophi yencwadi noma amanothi kanye nokuthunyelwa kwakho kokubuyisela, kodwa qiniseka ukugcina ikhophi eyengeziwe ngamarekhodi akho.