Amasu Ezezimali Uma Ungenakuthola I-High Deductible
Akuyona into engavamile ukuba nenkinga ukukhokha umshuwalense wakho wezempilo deductible - ezinye deductibles kukhona amakhulu noma ngisho izinkulungwane zamaRandi. Futhi uma ungenalo okuningi ekulondolozeni, kungase kuzwe sengathi i-deductible yakho iphezulu kakhulu.
Izinketho zakho zokubhekana nezindleko zixhomeke ukuthi ngabe unesidingo sakho manje noma ngabe ulungiselela kusengaphambili.
Uma ubheke esikhathini esizayo futhi uqaphela ukuthi kuzodingeka ukuthi uvele nalolu chunk of ushintsho ekugcineni, nansi ezinye izinketho zokusebenza okudonswa kwakho kwisabelomali sakho.
I-akhawunti ye-Flexible Spending Account (FSA)
Uma unomshuwalense wempilo esekelwe emsebenzini, ungakwazi ukuhlanganyela kwi- akhawunti yokusebenzisa imali . I-FSA iyinhlobo ekhethekile ye-akhawunti yokulondolozwa kwentela ehlelwe intela engasetshenziselwa kuphela izindleko zezempilo, njengokukhokha imali yakho yokubambisana , i- copays , ne- coinsurance .
Isebenza kanjani? Bhalisela i-FSA yakho ngesikhathi sokubhalisa okuvulekile uma ubhalisela umshuwalense wezempilo. Umqashi wakho uzobe esethatha imali encane yentela engakhokhelwa kuyo yonke imali yakho yokukhokha bese uyibeka ku-FSA yakho. Uma udinga ukukhokha i-deductible yakho, ungasebenzisa imali ku-FSA yakho.
Kulula ukukhokha i-deductible yakho usebenzisa i-FSA ngoba, kunokuba uthole imali eningi kusuka ekukhokhweni okukodwa, uphula lo mthwalo wezezimali emali encane kakhulu esakazeka kulo lonke unyaka.
Ukwengeza, imali oyifake ku-FSA yakho iphuma esikhokhelweni sakho ngaphambi kwentela. Lokhu kwenza inzuzo yakho engenayo ikhokhise-ukhokhela intela encane yentela. Ngenxa yokuthi uzoba nezintela ezimbalwa ezitholakele ekukhokheni, imali yakho ye-FSA ngeke iphazamise inkokhelo yakho yokuthatha ekhaya njengokuthi, ukubeka imali efanayo e-akhawuntini yokugcina imali njalo.
Isibonelo, mhlawumbe ubeka u-$ 40 ngenkokhelo ngayinye ku-FSA yakho futhi wehlisela intela yakho engenayo nge $ 8. Inkokhelo yakho yokuthatha ekhaya izoba ngu-$ 32 ngaphansi kunangaphambili, noma ngabe u-squirreling ulahlekelwe u- $ 40. (Amanani akho ngqo azoxhomeka kubakaki wakho yentela.)
Kwenzekani uma kusenesikhathi konyaka futhi ungagcini ngokwanele ku-FSA yakho ukuze uhlangabezane ne-deductible yakho okwamanje? Ama-FSA amaningi azobala ukuthi uzokufaka okungakanani kulo lonke unyaka futhi uvumele ukuthi usebenzise leyo mali ngokukhipha imali yakho, ngisho nangaphambi kokuthi uthathwe ekukhokhweni kwakho. Kukhona ezinye izigodi, nakuba:
- Uma ungayisebenzisi yonke imali ku-FSA yakho ekupheleni konyaka, ungase ulahlekelwe yiyo. Uvunyelwe ukuqoqa ama-$ 500 ku-FSA yonyaka ozayo, kodwa ulahlekelwa yinani lemali engaphezu kwezingu-$ 500 ezisele ku-FSA ekupheleni konyaka.
- Uhulumeni wesifunda ubeka umkhawulo wemali oyivunyelwe ukufaka ku-FSA unyaka ngamunye. Ngakho-ke, uma i-deductible yakho ingaphezu kwama-$ 2,500, i-FSA yakho izofaka kuphela ingxenye yayo.
I-Akhawunti Yokulondoloza Impilo (HSA)
I- HSA i-akhawunti ekhethekile yokulondoloza esebenza ngezinhlelo zezempilo ezidonswe kakhulu. Ubeka imali ku-HSA yakho bese uyisebenzisela izindleko zezokwelapha, njenge-deductible yakho. Imali eniyifake kwi-HSA yakho iyinkokhelo yentela futhi inzalo etholakalayo ayikhokhelwe intela yombuso.
Uma ungasebenzisi izimali zakho ze-HSA ngasekupheleni konyaka, akukho thuku. Ihlala ku-akhawunti yakho ye-HSA, iqoqa isithakazelo samahhala kuze kube yilapho usisebenzisa. Ngeke ulahlekelwe ekupheleni konyaka njengemali ku-FSA.
Eqinisweni, uma uphilile futhi ungaqedi ukusebenzisa yonke imali ofaka yona ku-HSA yakho unyaka ngamunye, kungenzeka ukuba ukhule kahle imali enkulu yokulondoloza intela. Abanye abantu babheka ngisho ne-HSA yabo njengenye i-akhawunti yomhlalaphansi.
Umqashi wakho angaphinde akhokhe imali yentela ngaphambi kwe-HSA yakho, nakuba kungabikho bonke abaqashi abakwenzayo. Ngokungafani ne-FSA, i-HSA yakho akufanele ihlotshaniswe nomshuwalense wezempilo osekelwe emisebenzini.
Ungazibeka ngokwakho uma nje unesipiliyoni sempilo esiphezulu sokudonswa (HDHP).
Ukuze uthole i-HSA yakho futhi isebenze ngokushesha, ungadlulisa imali ku-IRA yakho (i-akhawunti yomhlalaphansi ngayinye) ibe yikho ngesikhathi sakho se-HSA ngaphandle kwezijeziso uma ulandela yonke imithetho yangaphakathi ye-Revenue Services (IRS). Futhi, kunezikhalazo:
- Kumele ube nehlelo eliphezulu lezempilo eliphakeme elifanelekile lokuvula i-HSA. Akuwona wonke uhlelo lwezempilo oluthile olubonakala njenge-deductible eliphezulu empeleni i HDHP. Uma ungaqiniseki ukuthi umshuwalense wakho wezempilo i-HDHP, xhumana nohlelo lwezempilo noma umnyango wakho wezibonelelo zabasebenzi ukuhlola ngaphambi kokusetha i-HSA.
- Uma usebenzisa imali ku-HSA yakho ngenye into ngaphandle kwezindleko zezokwelapha ezifanelekile, uzobhekana nezinhlawulo zentela.
- Kunemingcele mayelana nokuthi ungakanani imali ongayifaka kwi-HSA kunoma yimuphi unyaka onikeziwe, kodwa akukho mingcele ngokulingana okungagcina kuwo ngokuhamba kwesikhathi.
Ukuhlelwa Kwezokubuyiswa Kwezempilo (HRA)
I- HRA yilungiselelo phakathi kwakho nomqashi wakho evumela ukuthi umqashi wakho akubuyisele izindleko zakho zezokwelapha, kufaka phakathi ukukhishwa kwakho. Kufana ne-HSA ngaphandle kokuthi umqashi wakho kuphela ongayifaka imali-awukwazi ukuyikhokhela yona.
Njengoba umqashi wakho ekhokhela i-akhawunti, akusiyo imali yakho, njengemali e-HSA. Uma uyeka umsebenzi wakho, kungenzeka noma ungatholi ukugcina i-akhawunti-kuye ngokuthi umqashi wakho uhlele kanjani i-HRA. Izikhwama ezishiywe ku-akhawunti zivame ukukhishwa ngonyaka ozayo, kepha lokho kumqashi wakho.
Insizakalo Yokunikezwa Kwezindleko
I-Care Affordable Act yenze izinsizakalo zokusiza abantu abanemali ephansi kakhulu bakhokhele umshuwalense wabo wezempilo, ama-copayments, kanye ne-coinsurance. Kunemikhombandlela yokuthola imali ukuze ufaneleke futhi kufanele ube ne -inshuwalense yempilo yomshuwalense wezempilo esithengiwe emshwaleni we-umshuwalense wezempilo .
Uma ufanelwe ukusizwa ngemali yokwabelana ngezindleko , ngokuqinisekile uzothola isibonelelo se-premium eklanyelwe ukukusiza ukhokhe izinkokhelo zomshuwalense wenyanga yomshuwalense wezempilo. Ungasebenzisa imali oyilondolozayo ezindleko ze-premium ukuze uzibeke ekudonseni kwakho.
Ungayinaki le nsizakalo ngoba nje uhlelo lwakho lwezempilo lwamanje alulona uhlelo olusekelwe esivumelwaneni esiliva-tier. Uma ucabanga ukuthi ungafaneleka, funda ngakho manje ukuze ukhethe uhlelo olufanele ngesikhathi sokubhalisa okulandelayo. Ngeke ikusize kulo nyaka, kodwa ngonyaka ozayo ngeke udinga ukukhathazeka.
Isabelomali sokulondoloza okuphuthumayo
Uma uqeqeshwe, ungakwazi ukukhipha isamba esilinganisiwe ngasinye sokukhokha ukuze ubeke ekudonsheni kwakho. Ngenkathi ungatholi izinzuzo ezikhethekile zentela onjengekaFSA noma i-HSA, ngeke uvinjelwe imithetho eminingi ye-IRS mayelana nokuthi ungayisindisa kanjani nokuthi yini okufanele usebenzise imali.
Kungase kube lula ukwakha isikhwama esiphuthumayo ukukhokha imali yakho uma ucabanga ukuthi ukhokhelwa imali ngaphambi kwesikhathi kunokuba uyisondeza . Ngokuvamile, amathuba okugula aphezulu futhi kuzodingeka akhokhe imali yakho emva kokuthola ukwelashwa. Lo mthethosivivinywa uzofika ekugcineni. Zikhokhele wena kusengaphambili.
Setha i-akhawunti ekhethekile ukubamba izimali zakho ezidonswayo. Inyanga ngayinye uma ukhokha intela yakho, izinsiza, umshuwalense wemoto, nezinye izikweletu, ufake imali esikhwameni sakho somshuwalense wezempilo. Uma ngabe ibhange lakho liyithumela ngokuzenzakalelayo kusuka ku-akhawunti yakho yokuhlola ibe i-akhawunti yokulondoloza noma yemakethe yemali, cishe uzokwenza njalo njalo.