I-HSA Yokunakekelwa Kwezempilo Kwezamabhizinisi Amancane

I-HSA noma i-Akhawunti Yokulondoloza Impilo yi-A Alternative Health Care Alternative

Amaphrimiyamu wokunakekelwa kwezempilo abhekene nokukhula okuqhubekayo ngenkathi abanikazi bamabhizinisi amancane belungiselela isabelomali sonyaka. I-Congress isungule ama-HSA noma ama-akhawunti wokulondoloza impilo, inikeza izindlela ezintsha zokunciphisa izindleko zezempilo zamanje. Funda ukuthi i-HSA ingazuza kanjani ibhizinisi lakho elincane.

Kuyini i-HSA?

I-HSA yindlela yokuhlinzeka ngempilo eqondiswa ngabathengi ehlanganisa ipulani yezempilo ephezulu-deductible nge-akhawunti yokulondoloza intela ngaphandle kwezindleko zezokwelapha.

Zenzelwe ukunciphisa izindleko zomshuwalense wokunakekelwa kwempilo kubaqashi nabasebenzi.

Inkinga Yokunakekelwa Kwezempilo Kwezamabhizinisi Amancane

Njengoba izindleko zezinzuzo zabasebenzi zikhuphuka, amabhizinisi amancane aqiniswa ukuze athole izindlela ezintsha zokunciphisa iminikelo yabo yokunakekelwa kwezempilo. I-HSA inikeza okunye okunye okusebenzayo.

Ngokusho kweThe Wall Street Journal, izinkampani ezinkulu ngokulinganayo zisebenzisa imali engaphezu kwezingama-$ 6,000 ngonyaka ngomshuwalense wezempilo yomsebenzi ngamunye. Izindleko zokunakekelwa kwezempilo zomqashi ziye zanda isilinganiso esingu-15% ngonyaka ngamunye eminyakeni engaphezu kwemihlanu kuya ku-R7 700 ngenyanga, ngokusho kocwaningo lwe-Kaiser Family Institute kanye ne-National Association of Health Underwriters. Kungamangazi ukuthi 47% wabanikazi bamabhizinisi amancane baseMelika abanikezi ngalutho usizo lwezempilo.

Izindleko ze-premiums zezempilo ziye zadlula kokubili ukukhushulwa kwamaphesenti angu-2.2 emalini kanye nokukhushulwa kwamaphesenti angu-2.3 ekukhuphukeni kwamanani emali ngokuphindwe kabili njengoba kubikwa ucwaningo lukaKaiser.

I-premium ejwayelekile yokuhlinzekwa okukodwa yenyuka iphesenti elingu-9.2 ukuya ku-$ 3,383 minyaka yonke. Ingabe i-HSA ingahlinzeka ngokulungisa?

Amaphesenti abasebenzi abakhokhelwa kuma-premium ahlala eqinisiwe ngama-singles aqoqa amaphesenti angu-16 ethebhu, afana nango-2003. Abasebenzi bakhokhela amaphesenti angu-28 emali ye-premium yomndeni, kusukela kuma-27 amaphesenti ngonyaka odlule.

Kodwa-ke, ukukhishwa kwezindleko eziphaketheni ze-premium kwenyuka ngamaphesenti angu-9,8 kuya ku-$ 558 ngonyaka uma izindleko zomsebenzi ze-premium yomndeni ziphakama ngamaphesenti angu-10.3 kuya ku-$ 2,661.

U-Kaiser ubike ukuthi ukwanda kwakungezansi ngoba izinhlelo zezempilo zazikhokha kancane ekunakekeleni esibhedlela, odokotela, kanye nezinye izidakamizwa. Ukushintshwa kwezindleko kuye kwaba nomthelela othile ngoba abaqashi babefuna ukunikeza abasebenzi babo ikhefu emva kweminyaka efuna ukuthi bakhokhele ngaphezulu ukunakekela kwabo.

I-average deductible yenhlangano ehlinzekayo ephakanyisiwe yaphakama ngamaphesenti angu-4,3 kuya ku-$ 387 emndenini wezine. Kodwa ngonyaka ka-2003 ama-rose angu-9.5 atholakale, ngemuva kwamaphesenti angama-43 aqhubekela phambili ngo-2002.

Izinzuzo ze-HSA

• esetshenziselwa ukuhlanganiswa nenhlelo yezempilo ephezulu-deductible.

• Iminikelo ayihlanganiswa engenayo imali engenayo - ayikho intela.

• basize abasebenzi ukuba babe ngcono abathengi bezempilo.

• Izinkokhelo zezindleko zezokwelapha ezifanelekile azikho intela.

• ukulondolozwa kungokwakho futhi kungasuka kumqashi kumqashi.

• "lingadlulela" unyaka nonyaka ukudala iqanda elikhulu lomhlalaphansi lomhlalaphansi.

• isithakazelo esinqunyiwe kanye nemiklomelo ayikho intela noma intela ehlehlisiwe.

• iminikelo yabaqashi ayikhokhiswa intela yokukhokha.

• "isikhwama sezinsuku ezingcono kakhulu sezulu" ukuhlela ukunakekelwa kwezempilo.

I-HSA ihlelwe ngokukhethekile ukusiza amafemu amancane ngaphandle kwezinhlelo zokwelapha ukuzinikela kubasebenzi bawo.

I-HSA yindlela yama-akhawunti omhlalaphansi okhokhelwa intela ongasheshe akhishwe kalula ngenxa yezimo eziphuthumayo kunabalingani babo be-IRA.

I-HSAfinder yincwadana ye-Information Strategies, Inc. engumongameli, uJoAnn Laing usanda kubhala, "Umhlahlandlela Wezamabhizinisi Amancane kuma-HSA."