Kunezinamba zezindleko esinakho zokunakekelwa kwezempilo noma kwezokwelapha ezingafaneleki ukuthi zibuyiselwe nge-akhawunti yethu ye-Flexible Spending Accounts noma ama-Accounts Savings Health nakuba kubonakala sengathi kufanele bafaneleke.
Kwezinye izimo, zindleko ezibuyiswa esikhathini esedlule, njengezidakamizwa ezingaphezu kwe-counter, kepha imithetho nemigomo ishintshile. Kwezinye izimo, azikaze zihlolwe ngenqubo yokuhlola intela yentela, njengezindleko zokusebenzisa ummeli wesiguli.
Ukuze uthole izinjongo zokucacisa, i-IRS inikeza isiqondiso ngezinhlobo zezindleko ongacabanga ukuthi kufanele zifanele ukukhokhelwa nge- HSA noma ama-FSA kodwa ungazi. Nansi uhlu oluhle lwe-IRS lwezindleko zezokwelapha ezingafaneleki.
Noma ngabe Yimuphi Umshwalense Wakho Usukhokhelwa Kakade Akuyona Imali Efanelekayo
Kungase kubonakale kusobala, kodwa uma ulinganisela ukuthi kungakanani ukubeka eceleni kwi- Akhawunti ye- Flexible Spending , kuyisikhumbuzo esibalulekile. Kuzodingeka wazi ukuthi kunanoma yiziphi izidingo zezokwelapha ezihlanganiswe umshwalense wakho, okusho ukuthi ngeke ukhokhele kusuka ephaketheni lakho, ngakho-ke, akudingeki ukuthi ubuyiselwe.
Isibonelo, uma udokotela wakho ekuncoma ukuthi uyeke ukubhema, ubhalela umshini wokugada ukusiza, futhi ukhokha kuphela ikhodi yokukhokhela ukuze uthole umshwalense wakho, bese u-akhawunti yakho ikhokhele kuphela ekuhleleni kwakho, hhayi izindleko eziphelele izidakamizwa.
Imithi Engaphezu Kokuqeda Imithi Akufanelekile Imali Yokwelashwa
Ngaphambi konyaka wentela ka-2011, imithi engaphezu kwe-counter-afanelekayo njengezindleko ze-HSA noma ze-FSA futhi ingabuyiselwa. Noma kunjalo, lokho akusekho iqiniso ngaphandle kokuthi ungathola udokotela wakho ukubhala isigqebhezana sezidakamizwa ngaphezulu.
Uma udokotela wakho uncoma noma yikuphi izidakamizwa ezingaphezu kwe-counter-the-counter ezifana ne-aspirin yansuku zonke noma ngisho namavithamini, cela udokotela wakho ukuba abhale umshwalense walowo muthi, futhi uzokwazi ukukufaka ezindlebeni zakho ezifanelekayo.
Ezinye zokwelashwa kwamazinyo azifanelekile izindleko zezokwelapha
Imithi yamazinyo ibhekwa njengezindleko ezifanele kuphela uma zivimbela noma zilungisa izinkinga zamazinyo.
Yiqiniso, akuzona zonke izinkonzo ezinikezwa udokotela wamazinyo ezivimbela noma ezilungisa izinkinga. Isibonelo, ukugcoba izinyo akufakiwe ngoba akubhekwa njengempilo noma ukwelashwa. Ngakho-ke, akuyona izindleko zokwelapha ezifanelekayo, ezibuyiswa yi-HSA noma i-FSA.
Amanye Amaphrimiyamu Omshuwalense WezeMpilo Awunayo Imali Yezokwelapha ezifanelekile
Nakuba ama-premium amaningi okhokhela izinsizakalo ezihlobene nempilo angabhekwa njengezindleko ezifanelekayo, akuzona zonke.
I-IRS ngeke ikuvumele ukuthi ufake noma iyiphi i-premium noma ingxenye ye-premium yakho ekhokhelwe umqashi wakho, futhi awukwazi ukufaka noma yimaphi ama-premium enqubomgomo yomshwalense wempilo, noma iyiphi ingxenye yomshwalense wakho wemoto (ngisho nezindleko zezokwelapha) noma abanye. Cacisa ukuthi yini, noma ayikho, esemthethweni ukufaka.
Ama-Gym Membership amaningi, ama-Spas noma amaKlabhu wezeMpilo awafaneleki ngemali yezokwelapha
Ngisho noma izindleko zokulahlekelwa isisindo zingase zibe izindleko zokwelapha ezifanelekayo uma udokotela wakho ebancoma, ubulungu bakho bokuzivocavoca noma izinsizakalo ezitholakala e-spa noma ekliniki yezempilo kungenzeka kube-kuye ngokuthi izimo ozisebenzisa kuzo.
I-IRS ibonisa umehluko phakathi kokulahlekelwa isisindo sokubonakala ngenxa yokulahlekelwa isisindo somzimba wezokwelapha ngaphansi kokunakekelwa udokotela. Ngaphambi kokuba uzame ukukhokhelwa ngalezi zinhlobo zezindleko, noma ngaphambi kokuba uzilandele ekuhleleni kwakho ukusetha i-Akhawunti ye-Flexible Spending, hlola kabili nomqondisi we-FSA noma i-HSA uhlelo lwakho ukuthola ukuthi uzobuyiswa yini.
Imithi noma izidakamizwa ozithengayo ngaphandle kwe-United States Ungafanelanga
Uma ulingwa ukungenisa izidakamizwa zakho zemithi evela kwelinye izwe , ungazami ukubuyiselwa izindleko zalowo muthi njengezindleko zempilo ezifanele ngokusebenzisa i-FSA noma i-HSA yakho.
Izindleko Zommeli Ezizimele Ezizimele Azikho Imali Yezokwelapha Ezifanelekile
Ngesikhathi uqasha ummeli weziguli wangasese kungaba ukuhamba okuhlakaniphile ukuze uthuthukise amathuba akho okuthola imiphumela emihle yezokwelapha, i-IRS ayikakalihlanga phakathi kwezindleko zayo ezivumelekile zokukhokhwa ngaphansi kwe-FSA noma i-HSA.
I-FSA ne-HSA Imali Yokufinyelela
Ungakhohlwa ukuthi nakuba kunezindleko eziningi zezokwelapha nezempilo ezingavunyelwe ukukhokhelwa nge-FSAs kanye ne-HSA, kunezinkulungwane eziningi ezindleko zokwelapha ezifanelekayo .
Uma kufika isikhathi sokunquma ukuthi kufanele ubeke imali engakanani kwi-akhawunti ye-Flexible Spending Account, noma ngabe izindleko ezithile zifanelekele ukubuyisela, ungahlala ucela ochwepheshe bezentela uma ungeke ukwazi ukuwusebenzisa kulezi zinhlu.