I-Akhawunti Yokulondoloza Impilo (HSA) Eyisisekelo

by USusan Nathan

Incazelo ye-HSA nokufaneleka

Ukunakekelwa kwezempilo kuyisici esibalulekile sephakheji lezinzuzo zabasebenzi, kungakhathaliseki ukuthi libiza. Njengoba izindleko zokunakekelwa kwezempilo zikhuphuka, amabhizinisi afuna ezinye izindlela ezinhlelweni zokunakekelwa eziphathelwe ngokujwayelekile. Enye yezinketho ezitholakalayo i-Akhawunti Yokulondoloza Impilo (HSA).

Kuyini i-HSA?

I-HSA uhlobo lwe-akhawunti yokunakekelwa kwempilo ekhokhelwa abathengi. Ama-HSA ayinhlobo lokunakekelwa kokunakekelwa kwempilo oluhlongozwa ngemuva kwe-MSAs ye-Archer, okwenziwe ngesikhathi uMengameli Bush engena ngemvume kuMthetho we-Medicare Modernization ngo-2003.

Kuyinto uhlobo lwe-akhawunti evumela abantu ukuba bagcine izindleko zezokwelapha ezifanelekayo zentela.

I-HSA ivulekile kunoma ubani obhaliswe kwi- High Deductible Health Plan (HDHP) . Izimali ze-Akhawunti zinikelwe ekukhokheni intela kwe-akhawunti. Imali ku-HSA ivunyelwe ukuqoqa ku-akhawunti bese ihola inzalo. Lapho umnikazi we-akhawunti enezindleko zokwelapha ezifanelekayo, lowo muntu wayeyokhipha imali engenayo yilezi zindleko. Ezinye izinhlobo zezindleko zezokwelapha ezifanelekayo i-akhawunti isetshenziselwa ukukhokha kufaka phakathi ama-deductibles, izindleko zomshuwalense, nama-copays. Imali ihlala ku-akhawunti unyaka nonyaka futhi iqhubeka iqhubekela phambili.

Ama-HSA aphethwe ngabanye, hhayi ngabaqashi. Noma yimaphi imali enikezwe ku-akhawunti, kungakhathaliseki ukuthi ngumqashi noma umsebenzi, isisebenzi sokusebenzisa izindleko zabo zokwelapha ezifanelekayo.

Ngubani ovumelekile we-HSA?

Abaqashi abafisa ukusetha i-HSA kubasebenzi babo kumele babhalise abasebenzi babo kwi- HDHP .

Ukufanelekela i-HSA, abasebenzi

Kumele kube nokuhlanganisa nge-HDHP
Awunayo i-coverage nganoma yimuphi omunye umshuwalense wezempilo
Awunayo i-Medicare
Ayikwazi ukubizwa njengokwethembekile ekubuyiseleni intela kwanoma ubani

Noma ubani angakwazi ukuthola i-HSA kungakhathaliseki ukuthi yinzuzo. Azikho ubuncane bokungenayo noma ama-maximums ukuze ubhalisele i-HSA.

Ubani Ongagunyaziwe I-HSA?

Abasebenzi abanoma yikuphi okulandelayo abakwazi ukubhalisela i-HSA: HSAs ngaphansi kokubusa kwe-dollar yokuqala.

Medicare
Tricare
I-akhawunti ye-Flexible Spending Account (FSA)
I-Akhawunti Yokubuyiselwa Kwezempilo (HRA)

Kukhona okunye okuhlukile. Abasebenzi bangaba ne-HSA nge-HRA noma i-FSA ngaphansi kwezimo ezithile.

Uma i- HRA ne-FSA isetshenziselwa kuphela imibono, izinzuzo zamazinyo noma izinsizakalo zokuvimbela ukuvimbela izinkinga zezokwelapha, kuhle ukuzisebenzisa noma eceleni kwe-HSA.
I-HRAs ne-FSAs ingasetshenziselwa ama-akhawunti wezokwelapha KUPHELA ngemuva kokuncishiswa okungenani ngonyaka okwenziwe i-HDHP.
I-HRA ehlelwe ukukhokhela izindleko zokunakekelwa kwezempilo ngemuva kokuthatha umhlalaphansi ingasetshenziswa kanye ne-HSA ekhona.
Uma i-HRA ekhona isivele isungulwe futhi isisebenzi sivuma ukukhokhela ukukhokhelwa kwempilo esikhathini sokuthi kunomnikelo ku-HSA yabo, bobabili bazovunyelwa ukuba babe khona kanyekanye.

Ubani Ongabanikela E-HSA?

Iminikelo ye-HSA ingenziwa ngumqashi, isisebenzi noma ngokusebenzisa umnikelo ohlanganyelwe kuwo womabili amaqembu. Umnikelo ungenziwa futhi ngumuntu wesithathu egameni lomsebenzi. Abasebenzi bangenza futhi ukudluliswa kwesikhathi esisodwa kusuka kwi-IRA yabo kuya eHSA yabo. Noma ubani oziqashile, umlingani noma i-S-Corporation share awabhekwa njengabasebenzi benkampani futhi akakwazi ukuthola umnikelo womqashi.

Bangase bavule i-HSA, kodwa kuzodingeka ukuthi ixhaswe ngemali.

Uma umqashi efaka i-HSA, bangayenza ngezindlela ezimbalwa:

Iminikelo ingenziwa ngokusebenzisa ukuncishiswa kwemiholo ngokusebenzisa isigaba sesi-125 sokudlela ngesisekelo sangaphambi kwentela.
Umqashi angenza ngokuzenzekelayo umnikelo ngokusebenzisa uhlelo lokudlela egameni lesisebenzi.

Imithetho ethile isebenza, noma kunjalo. Uma umqashi enza umnikelo noma ingxenye ethile yomnikelo kwi-HSA, leso sabelo asikhokhiswa isisebenzi njengenzuzo noma inkokhelo. Ukwengeza, iminikelo kumele imiswe uma umuntu ebhalisile kunoma yiluphi uhlelo lweMedricare.

Khumbula ukuthi uma imali ishicilelwe ngumqashi kwi-akhawunti yomsebenzi, noma yikuphi imali kubhekwa ngumsebenzi, ngisho noma bephuma enkampanini ngokuzithandela noma ngokungathandeki.

Umuntu unayo i-akhawunti futhi unquma indlela imali eyabelwe ngayo izindleko zezokwelapha futhi isetshenzisiwe, ngenkathi isebenza nenkampani, futhi uma lowo muntu engasayisebenzisi inkampani.

I-HSA ne-HDHP Imikhawulo Yokunikela

Lezi zimali ezilandelayo zilungiswa ukwenyuka kwemali ngonyaka.

I-HDHP encane idonswe:
2008:
I-$ 1,100 (ukukhokhelwa ngabanye)
$ 2,200 (ukutholakala komndeni)

2009:
I-$ 1,150 (ukufakwa komuntu ngamunye)
$ 2,300 (ukuthunyelwa komndeni)

I-HDHP ngaphandle kwe-pocket yonyaka (kufaka phakathi ama-deductibles kanye nokukhokhela) ayikwazi ukudlula:
2008:
$ 5,600 (ukuthunyelwa komunye umuntu)
US $ 11,200 (ukuthunyelwa komndeni)

2009:
$ 5,800 (ukuthunyelwa ngabanye)
US $ 11,600 (ukufakwa komndeni)

I-HSA Inani elikhulu lokunikela
2008:
$ 2,900 (ukukhokhelwa ngabanye)
$ 5,800 (ukuthunyelwa komndeni)

2009:
$ 3,000 (ukuthunyelwa ngabanye)
$ 5,950 (ukuthunyelwa komndeni)

Iminikelo Yokubambisana (iminyaka engu-55 noma ngaphezulu)
2008:
$ 900

2009:
$ 1,000

Noma yimuphi umnikelo owenziwe kwi-HSA ongaphezu kwezinga eliphezulu lomnikelo kumele uhoxiswe, ngaphandle kwalokho, ungaphansi kwentela yesikweleti. Uma inani le-HSA lonyaka lingakafiki, azikho izijeziso. Yonke iminikelo ihlelwa iminyaka yonke ngokususelwa ezinyangeni eziningana isisebenzi esisesimweni.

Ingabe Imali ku-HSA ingasetshenziselwa noma yini enye?

Inani elinikezwe i-HSA kumele lisetshenziselwe izindleko ezifanelekile ezihlobene ne-HDHP. Izindleko zezindleko kufanele zigcinwe endaweni ephephile. Uma isisebenzi kumele sikhiphe imali ye-HSA, kufana nezinhlawulo zokuhoxiswa kwi-IRA ngaphambi kwesikhathi sayo. Inani elihoxisiwe lihambisana nentela yentela, kanye nesigwebo se-10%. Qhathanisa ne-FSA nge-HSA.

Ubani Ongabanikela E-HSA?

Uma umqashi efaka i-HSA, bangayenza ngezindlela ezimbalwa:

Iminikelo ingenziwa ngokusebenzisa ukuncishiswa kwemiholo ngokusebenzisa isigaba sesi-125 sokudlela ngesisekelo sangaphambi kwentela.
Umqashi angenza ngokuzenzekelayo umnikelo ngokusebenzisa uhlelo lokudlela egameni lesisebenzi.

Khumbula ukuthi uma imali ishicilelwe ngumqashi kwi-akhawunti yomsebenzi, noma yikuphi imali kubhekwa ngumsebenzi, ngisho noma bephuma enkampanini ngokuzithandela noma ngokungathandeki. Umuntu unayo i-akhawunti futhi unquma indlela imali eyabelwe ngayo izindleko zezokwelapha futhi isetshenzisiwe, ngenkathi isebenza nenkampani, futhi uma lowo muntu engasayisebenzisi inkampani.