Izindlela Ezinhle Zokuphatha Izimali Zakho ze-HSA
I-Akhawunti Yokulondoloza Impilo noma i-HSA, ilungiselelo elikhethekile elivumela abathengi bezinhlelo zokunakekelwa kwempilo eziphakeme ezidonswe kakhulu ukuba basuse inani elithile lemali engenayo yentela ngaphambi konyaka ngezinyathelo zempilo yomuntu siqu. Ngokwezibalo eziningi zamuva, cishe ingxenye eyodwa kwengxenye yabo bonke abahlanganyeli emiphakathini yokunakekelwa kwempilo ephezulu etholakalayo ihlanganyela futhi kwi-akhawunti yokulondoloza impilo, futhi le namba ikhuphuka (kusuka kuma-8 amaphesenti ngonyaka ka-2014).
Lokhu akumangazi, ngoba izindleko zonyaka eziphuma ngaphandle kwe-pocket ngomsebenzi ngamunye zikhuphuke cishe ngamaphesenti angama-230 eminyakeni eyishumi edlule, ngokusekelwe kwidatha evela kuKaiser Family Foundation.
Izinzuzo zokusebenzisa ama-Akhawunti Wokulondoloza Impilo
Kunezinzuzo eziningi zokuba ne-akhawunti ye-HSA. Okokuqala, isebenza njengendawo yokukhokha intela kabili njengoba imali engenayo engakhokhiswa intela ingena ku-akhawunti futhi itholakala ukuthi isetshenziselwe ukusetshenziswa kwezimpahla zezempilo kanye nezinsizakalo ezingekho intela. Okwesibili, izimali ziphatheka ngokugcwele, ngakho-ke uma umuntu eshintsha imisebenzi noma eshiya umsebenzi ngemuva, izimali zingezakhe zokugcina nokusebenzisa izindleko ezihlobene nezokwelapha esikhathini esizayo.
Kusukela kumbono womqashi, ama-akhawunti wokulondoloza impilo nawo agcina izindleko ze-premium zokunakekelwa kwezempilo ngoba abathengi bakhetha ukuthi bachithaphi imali yabo. Kukhona ukunyakaza kwabasebenzi abasebenzela isabelo esikhulu sezindleko zezokwelapha. I-National Bureau of Economic Research yenze ucwaningo olubonisa ukuthi abaqashi abahlinzeka i-HDHP kanye ne-HSAs bancishisa izindleko zokunakekelwa kwempilo esikhathini esiyiminyaka emithathu (uma kuqhathaniswa nalabo abangazange banikeze lezi zinhlobo zokukhetha).
Imali Engakanani Ingasindiswa Ku-HSA?
Unyaka ngamunye, i-Internal Revenue Service ibeka ukuthi imali engabelwa kanjani kuma-akhawunti wokulondoloza impilo, kanti imingcele ye-2016 yemingcele i-$ 3,350 yomuntu ngamunye kanye no-$ 6,750 emndenini (uphelele $ 100 kusukela ngo-2015). Kubalulekile ukuphawula ukuthi uhlelo lokunakekelwa kwempilo oluphakeme oludonswayo kufanele lube nesisindo esincane esikhwameni sika $ 1,300 ngonyaka ukuze amalungu afaneleke ukusetshenziswa kwe-HSA.
Lezi zimali zihamba minyaka yonke, futhi azikhokhiswa intela ngokungafani nezinye izinhlobo zezinhlelo zokulondoloza umsebenzi. Ngesikhathi sokusebenza kweminyaka engama-20, umuntu obeka imali enkulu kwi-HSA angasindisa imali engama-dollar ayi-67,000 futhi umndeni ungasusa amaRandi ayizigidi ezingu-1,3; ukuvimbela ukunciphisa emalini evumelekile okwenzekayo.
Ukuthola Okungaphezulu Ku-Akhawunti Yokulondoloza Impilo
Njengomthengi wezempilo omnakekeli wezempilo, kunezindlela zokuthola okuningi kule nzuzo. Okokuqala, uma indawo yakho yokusebenzela inikeza i- HDHP ene- $ 1,300 ekhishwe ephaketheni, i-akhawunti yokulondoloza impilo futhi ufake imali encane engavumelekile ku-akhawunti ekuqaleni. Njengoba uthola ukukhushulwa noma ukukhushulwa kweholo, unikeza le mali eyengeziwe ku-HSA yakho. Uma inkampani yakho ihambelana nama-dollar, yibeke imali eningi ongayenza minyaka yonke.
Sebenzisa i-akhawunti kuphela ngezindleko ezihlobene nemithi. Thenga ezungeze amazinga aphezulu ezinsizakalweni zezokwelapha, abahlinzeki bezempilo, izidingo zezempilo, imishini yezokwelapha, nemigomo ngaphambi kokusebenzisa i-akhawunti yakho yokulondoloza impilo. Buza mayelana nokuzikhokha ngokwakho esikhundleni sokufaka isimangalo kwenkampani yakho yomshuwalense ngezinsizakalo ukuthi umshuwalense awufihli, njengamasevisi e-laboratory kanye nemishini yokwelapha eqinile.
Abahlinzeki abaningi bayokujabulela ukwamukela imali esheshayo yokukhokha kwe-HSA futhi banikeze isaphulelo esivulekile kunokuba balinde isimangalo sezokwelapha esizayo ezinyangeni kamuva.
Landa lolu hlu lwe-IRS lwe-Akhawunti Yokulondoloza Impilo - Izindleko Ezivunyelwe Ngokwemvelo
Gcina ithrekhi yezindleko zakho ngokugcina wonke amaresidi bese ungena kwisofthiwe yakho yesabelomali. Ngenxa yokuthi i-HSA ilawulwa yibhange, ungavame ukuthola izitatimende zokusetshenziswa kumanani akho wonyaka werhafu. Uzobe unesibopho kukho konke okuthengayo usebenzisa i-HSA yakho, ngakho-ke uyiphathe ngokucophelela futhi ugcine amarekhodi amahle. Khuluma nomqashi wakho uma ungaqiniseki ukuthi ungayisebenzisa kanjani imali yakho. Uma ushintsha izinhlelo zokunakekelwa kwezempilo noma uqeda umsebenzi, uthatha i-akhawunti yakho nawe, ngakho-ke qiniseka ukuthi ukuyixhumanisa ne-imeyili yomuntu siqu futhi unolwazi lwakho lokungena ngemvume.