I-Akhawunti Yokulondoloza Impilo Yenza I-Flexible Spending Planning in the Long Run
Ukuzibuza ukuthi yikuphi ukuhamba okuhlakaniphile, ukufaka imali kwi-Akhawunti Yokulondoloza Impilo noma ukuyibeka kwi-Flexible Spending Arrangement? Nakuba ungaphoqelelwa ukuba ukhethe omunye komunye ngenxa yemithetho yokufaneleka, uma unesinqumo, i-HSA inikeza izinzuzo eziningana ngaphezu kwe-FSA. Nazi izizathu eziyisithupha eziyinhloko i-HSA engcono kune-FSA.
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Wena unayo i-HSA yakho. Umqashi wakho ungumnikazi we-FSA yakho.I-Arrangement Yakho Yokusebenzisa Nge-Flexible isetshenziswa ngumqashi wakho, hhayi nguwe. Uma unikeza imali ku-FSA yakho, ufaka imali ku-akhawunti ongayenaye. Kuyavunywa, umqashi wakho usebenzisa imali ukuze akhokhe izindleko zezokwelapha ezingaphandle . Nokho, kukhona nethuba lokulahlekelwa imali ku-FSA yakho.
Uma ushiya umsebenzi wakho futhi kukhona imali ku-FSA yakho, leyo mali-imali evela kumakhokhelo akho-ilahlekelwe kumqashi wakho. Funda kabanzi ngalokhu kokuthi " Kwenzekani Ku- FSA Yami Lapho Ngishiya Umsebenzi Wami? "
Ungase ulahlekelwe ngisho nemali ku-FSA yakho uma ungalahlekelwa umsebenzi wakho. Ekupheleni konyaka ngamunye, imali engasetshenzisiwe esele ku-FSA yakho ilahlekelwe kumqashi wakho. Nakuba umqashi wakho enenkululeko yokwenza u-$ 500 asele ku-FSA yakho ku-FSA yakho yonyaka ozayo, akuphoqelekile ukwenza kanjalo. Uma unamadola angaphezu kuka-$ 500 ekupheleni konyaka, okungaphezulu kwalokho kumele kube khona.
Ngokuphambene, njengoba ungumnikazi we-HSA yakho , awusoze walahlekelwa imali kuyo. Konke kungokwakho. Uyiphatha. Unquma ukuthi usetshenzisiwe kanjani. Ubiza amahlumela. Imali ivele isuke ngaphezulu konyaka owodwa kuya kwesinye, futhi uma ungadingeki ukuyisebenzisa izindleko zezokwelapha, iqhubeka iqoqa.
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Ungakwazi Ukutshala Imali Ku-HSA Yakho, kodwa Akuyona I-FSA Yakho.Uma ufaka imali ku-FSA, imali ihlala lapho ingenzi lutho kuze kube yilapho ungayisebenzisayo ngezindleko zezokwelapha ngaphandle kwephoksi noma uyilahle.
Uma ufaka imali ku-HSA, ungafaka imali leyo. Intshisekelo kanye nemali etholakalayo kusuka ekutshaleni kwakho intela ikhulisa intela njengalabo abakwenzayo ku-401 (k) noma i-IRA.
Uma uhoxisa imiholo bese usebenzisa imali yezindleko zezokwelapha ezifanelekile, awukhokhi intela yentela kuso. Kunzima ukushaya ukutshalwa kwezimali okukhokhiswa intela lapho imali ingena, ikhula intela, futhi ayikho intela uma ihoxisiwe (uma uhoxisa okuthile ngaphandle kwezindleko zezokwelapha, kufanele ukhokhe intela kuyo, kanye nesigwebo uma wenza ukuhoxiswa ngaphambi kweminyaka engu-65).
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Ungaba ne-HSA Ngisho Ngaphandle Kokusebenza.I-FSA yakho ixhunyaniswe nomsebenzi wakho. Awukwazi ukuqala i-FSA ngokwakho. Ama-FSA ayingxenye yelungiselelo lomsebenzi wesisebenzi.
I-HSA yakho ayixhunywanga neze emsebenzini wakho. Ungaqala i-HSA ngisho noma ungasebenzi. Nakuba abanye abaqashi basiza abasebenzi ukuthi baqoqe i-HSA kanti abanye baze banikele ngemali kwi-HSA yabasebenzi, i-HSA ngokwabo ayixhunyiwe emsebenzini. Uma ulahlekelwe umsebenzi wakho, i-HSA nazo zonke izimali ezikuyo-ngisho nezindleko ezinikezwe ngumqashi wakho-zingezakho ukugcina.
Enye ye-caveat: ukuqala noma ukufaka isandla kwi-HSA, kumele ube ne- High Deductible Health Plan noma HDHP. Uma ungenayo i-HDHP, awukwazi ukufaka isandla kwi-HSA. Uma uvula i-HSA ngenkathi une-HDHP bese kamuva ulahlekelwa i-HDHP yakho, ungagcina i-HSA yakho futhi uqhubeke nokuthatha ukuhoxiswa. Kodwa-ke, awukwazi ukwenza okunye iminikelo ku-HSA yakho kuze kube yilapho uhlanganiswa ngaphansi kwe-HDHP futhi.
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Ulahlekelwa Umsebenzi Wakho? Ungakhokha i-COBRA Nge-HSA kodwa hhayi i-FSA.Ukuqhubeka kwe- COBRA ye- premium yomshuwalense wempilo kubalwa njengezindleko zempilo ezifanelekile ze-HSA yakho. Uma ulahlekelwa umsebenzi wakho futhi unquma ukugcina uhlelo lwakho lomshuwalense wezempilo olusekelwe emisebenzini nge COBRA, ungathatha imali ku-HSA yakho ukukhokha amaprimiyamu wenyanga. Ngeke ukhokhe intela yentela noma izinhlawulo ezimali ezihoxisiwe kwi-HSA yakho ngale njongo.
Kodwa-ke, ungase ungasebenzisi izimali ku-FSA yakho ukukhokha izinkokhelo zomshuwalense wezempilo, ngisho ne-COBRA.
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I-HSA yakho Yenye Indlela Yokusindisa Ukuthatha Umhlalaphansi.I-HSA ingasetshenziswa njengezimoto zokuqeda imali yokulondoloza intela ngokuthatha umhlalaphansi, kodwa namanje izimali zitholakala ngokushesha uma kudingeka isidingo sezokwelapha.
Ngenkathi lezi zimali zihlonishwa ngokwezindleko zezokwelapha ezingakhokhiwe, uma usufika eminyakeni engama-65, ungase uthathe ukuhoxiswa kwi-HSA yakho nganoma yisiphi isizathu ngaphandle kokukhokha inhlawulo. Uma usebenzisa izimali ze-HSA zezindleko zokwelashwa ezifanele, awukhokhi intela yentela ekuhoxisweni. Uma uhoxisa izimali zezindleko ezingekho zezokwelapha ngemuva kokuba uneminyaka engama-65, uzokhokha intela yentela kwizimali, kodwa akukho zijeziso.
Uma usuvula iminyaka engama-65, ungasebenzisa izimali zakho ze-HSA ukukhokhela izinkokhelo zeMedare , kodwa awukwazi ukukhokhela ukukhokhelwa kwe-Medicare okungeziweko njenge- Medigap nge-HSA izimali.
Ngokungafani ne-IRA, kukhona (kuze kube manje) akukho mfuneko yokuthi uthatha ukusatshalaliswa okungenani ngonyaka kusuka eHSA yakho. Ungashiya imali lapho, intela ekhulayo ihlehlisiwe, uma nje uthanda. Futhi yebo, kungaya kumsizi wakho oqokiwe ekufeni kwakho.
Imithombo:
- Umnyango wase-US we-FAQs Resource Center FAQs. http://www.treasury.gov/resource-center/faqs/taxes/pages/health-savings-accounts.aspx Kufinyelelwe ku-Agasti 20, 2014.
- Ukushicilelwa kwe-IRS 969.
- 26 US Code § 223. http://www.law.cornell.edu/uscode/text/26/223 Kufinyelelwe ngo-Agasti 20, 2014.
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Imikhawulo yokunikela ingaphezulu kwa-HSAsNgo-2018, uma unomsebenzi we-HDHP owodwa, ungafaka imali engama-$ 3,450 kuya ku-HSA, kanye ne-$ 1,000 eyengeziwe uma uneminyaka engama-55 noma ngaphezulu (umnikelo ungaba kuwe noma umqashi wakho, noma ukuhlanganiswa kokubili) . Uma unemibiko yomndeni ngaphansi kwe-HDHP, ungafaka ku-$ 6,900 ku-HSA ngo-2018.
Nokho, nge-FSA, umkhawulo omkhulu wokunikela ngo-2018 u-$ 2,650 (kungakhathaliseki ukuthi isisebenzi somshuwalense wempilo yomndeni noma ukukhokhelwa okulodwa).
Zombili izinkokhelo ze-FSA ne-HSA zinciphisa imali engenayo ehlelwe ngayo, kepha iminikelo ye-HSA ingakwazi ukunciphisa i-AGI yakho ngaphezu kweminikelo ye-FSA.
> Imithombo:
> Isevisi yangaphakathi yeNgeniso. Inqubo Yokuthola Imali 2017-37 .
> Isevisi yangaphakathi yeNgeniso. Inqubo Yokuthola Imali 2017-58 .