Ngokungafani ne- Akhawunti ye- Flexible Spending , ungagcina i- Akhawunti yakho Yokulondoloza Impilo uma ushiya umsebenzi wakho. Ngisho noma uvula i-HSA yakho ngokubambisana neHigh High Deductible Plan (HDHP) oyitholile emsebenzini wakho, i-HSA ngokwayo ingeyakho ukuyigcina. Yonke imali kuwo, kufaka phakathi iminikelo eyenziwe ngumqashi wakho, iminikelo oyenzile, nesithakazelo, ingeyakho.
Khokha izinkokhelo ze-COBRA usebenzisa i-akhawunti yakho yokulondoloza impilo.
Uma ulahlekelwa yomshuwalense wakho wezempilo ngenxa yokushiya umsebenzi wakho, ungasebenzisa imali ku-HSA yakho ukukhokha amaphrimiyamu yanyangazonke wokuqhubeka kwe- COBRA yomshwalense wakho wezempilo. Lokhu kubhekwa njengezindleko zempilo ezifanelekile; ngeke kudingeke ukhokhe intela yentela noma inhlawulo engu-20% kuma-HSA wokuhoxiswa kwama-premium e-COBRA.
Kuthiwani uma ungakwazi ukukhokhela i-COBRA, ungafuni ukuqhubeka nohlelo lwakho lwamanje lwezempilo, noma awufanelekile ku-COBRA ? Uma nje uthola izinzuzo ze-federal noma ze-unemployment status, ungase uhoxise imali ku-HSA yakho ukukhokhela izinkokhelo zomshuwalense wezempilo. Isibonelo, ungathenga uhlelo lwezempilo kusuka ku-Care Affordable Care Act yakho ye-Care Act futhi usebenzise imali ku-HSA yakho ukukhokha ama-premium. Kuye ngemali engenayo, ungase ufaneleke ukuthola usizo lwemali kahulumeni ukuze ikusize ukhokhe izinyanga zama-premium ukuze izimali zakho ze-HSA zithuthukise.
Kodwa-ke, ngokushesha nje lapho uyeka ukuthola izinzuzo zokungasebenzi, ungakhohlwa ukuyeka ukusebenzisa izimali zakho ze-HSA ukukhokha lezo zindleko zomshuwalense wezempilo.
Sebenzisa i-HSA yakho njengeSikhwama Esiphuthumayo
Imali ku-HSA yakho ingahoxiswa ukuze ukhokhe izindleko zezokwelapha. Kodwa akudingeki uhoxise imali ku-HSA yakho uma unezindleko zezokwelapha.
Esikhundleni salokho, ukhokhela izikweletu zakho zezokwelapha ngeminye imali (emva kwentela) futhi ugcine iresidi. Khona-ke, izinyanga noma iminyaka noma amashumi eminyaka kamuva, ungakwazi ukuhoxisa imali ku-HSA yakho ukuze uzikhokhele izindleko zezokwelapha ozikhokhele ngemali yentela (lokhu kucabanga ukuthi awuzange ukhulume ngalezo zindleko zezokwelapha ekubuyiselweni kwentela ngonyaka bakhokhele; awukwazi ukuphindaphinda kabili intela yakho, ngakho-ke uma usuqedile ukukhishwa, awukwazi ukuziphindiselela ngemali ye-HSA ngaphambi kokukhokhela intela).
Ngakho abanye abantu baphatha i-HSA njengezikhwama eziphuthumayo, batshalwe ezitokisini noma izibopho noma i-akhawuntthi ethwala inzalo, kanti inzuzo ithola intela kusukela ngonyaka owodwa kuya olandelayo. Bakhokhela zonke izikweletu zabo zezokwelapha ngezinye izimali, bese ulondoloza amarisidi. Bese-ke uma badinga imali-ngenxa yokulahlekelwa umsebenzi, isibonelo-bangakwazi ukuhoxisa okuningi kwi-HSA njengoba beye basebenzisa izindleko zezokwelapha ngenkathi beba ne-HSA. Futhi ukuhoxiswa akukakhokhi intela, ngoba kusetshenziselwa ukukhokhela izindleko zezokwelapha, izinyanga eziningi noma iminyaka ngemva kweqiniso.
Ukulahlekelwa Uhlelo Lwakho Lwezempilo Oluphakeme? Misa Iminikelo Yakho Ye-HSA.
Uma ulahlekelwa ukukhokhelwa kwe-inshuwalense ye-HDHP yakho, ngeke ukwazi ukufaka isandla kwi-HSA yakho kuze kube yilapho uphinde uthole ukufakwa kwe-HDHP.
Lokhu kuyiqiniso ngisho noma uthola umshuwalense wezempilo kusuka ohlelweni lwezempilo oluhlukile. Ukungabi ne-HDHP kusho ukuthi awuvunyelwe ukufaka isandla ku-HSA yakho.
Kodwa-ke, ungase uhoxise izimali zentela, ezingenhlawulo ezivela ku-HSA yakho ukukhokhela izindleko zezokwelapha ezifanelekayo noma une-HDHP, unomshwalense wezempilo ohlukile, noma awuqinisekisiwe.
Ngakho uma uthola i-HDHP kumqashi wakho omusha, noma uthenge i-HDHP ngokwakho ( ngokusebenzisa ukushintshanisa kuhulumeni wakho noma ukushintshaniswa), ungaqhubeka nokwenza iminikelo ku-HSA yakho. Uma ushintshela uhlobo oluthile lomshuwalense wezempilo, noma ugcine ungaqinisekisiwe isikhathi esithile, awukwazi ukufaka noma yini ku-HSA ngesikhathi ongenawo ukufakwa kwe-HDHP.
Kodwa uma ugcina uphinde uthole ukuhlolwa kwe-HDHP ngaphambi kokuphela konyaka, futhi unomsebenzi we-HDHP kusukela ngo-Disemba 1, ungafaka imali egcwele ku-HSA yakho kulowo nyaka ($ 3,450 ngo-2018 uma unakekelwa wena ngokwakho ngaphansi i-HDHP, noma i-$ 6,850 uma unakekelwa futhi okungenani ilunga lomndeni elilodwa ngaphansi kwe-HDHP). Kodwa kukhona i-caveat: Khona-ke kufanele ugcine ukufakwa kwakho kwe-HDHP endaweni yonke ngonyaka ozayo (lokhu kubizwa ngokuthi yisikhathi sokuhlola) noma ngabe kuzomele ukhokhe intela kanye nesigwebo kwezinye zezimali ze-HSA ozenzile phakathi nonyaka ngenkathi ungenayo inzuzo ye-HDHP yonyaka wonke.
Ukuthatha umhlalaphansi? Imithetho ekhethekile isebenza kwi-akhawunti yakho yokulondoloza impilo.
Uma usuvula iminyaka engama-65, ungase uhoxise imali ku-HSA yakho nganoma yisiphi isizathu ngaphandle kokubhekana nesigwebo se-20% sokuhoxiswa okungewona ukwelashwa. Kodwa-ke, imali kuphela oyihoxayo ukuze uthole izindleko zokwelapha ezifanelekayo ngeke ibe yintela. Uzokhokhwa intela ejwayelekile yokuthola imali ngemali oyihoxisayo ngezinhloso ezingezona ezokwelapha.
Ama- premium ama- Medicare abhekwa njengezindleko zezokwelapha ezifanelekayo, kepha izinqubomgomo ze-Medicare ezongeziwe ezifana ne- Medigap azikho. Uzokhokha intela yentela kwi-HSA yokuhoxiswa okusetshenziselwa amaphrimiyamu ka-Medigap, kodwa ukuhoxiswa kwe-HSA oyisebenzisela ama-premium ama-Medicare ngeke kube ngelakho intela.
Ngeke usakwazi ukwenza iminikelo ku-HSA yakho uma ubhalise ku-Medicare.
Ufuna ukushintsha abahlali be-HSA?
Awudingi ukugcina i-HSA yakho nomlondolozi ofanayo; ungathutha i-HSA yakho kumuntu oyilondolozi ukuya kwesinye. Ungase ucabange ukwenza lokhu uma
- Awunelisekile ngezindleko zakho zamanje zokulondoloza i-HSA.
- Awunelisekile ngezinketho zokutshala izimali wakho ogcina i-HSA umgcini ovumelayo.
- Umlondolozi wakho wamanje unikeza ukuphathwa kwe-HSA e-intanethi kuphela futhi ungathanda ukuthole isevisi yamakhasimende ubuso nobuso ngokuya egatsheni lakho lasebhange lendawo.
Ukushintsha kusuka kumunye umgcinisi we-HSA kuya kwesinye kungenziwa ngokudluliswa okuqondile kwezimpahla phakathi kwama-custodians. Ngamanye amazwi, umgcini wakho omdala we-HSA udlulisela imali ngqo ku-HSA wakho omusha wokugcina. Ukulandela imithetho kwi-IRS Publication 969, "Ungafaki inani elidluliselwe njengenzuzo, lithathe njengomnikelo, noma ulifake njengokusabalalisa kwi-Form 8889."
Abanye abagcini bemali bakhokhela imali yokudlulisa izimpahla noma ukuvala i-akhawunti, ngakho qiniseka ukuthi ubuza.
> Imithombo:
> Isevisi yangaphakathi yeNgeniso. I-Akhawunti Yokulondoloza Impilo (HSA) ku-Glance.