Nhoroondo yekuchengetedza mari yehutano

Sezvo inishuwarenzi yehutano inoshanduka, kunze-kwehomwe mari inoramba ichikura. Nemaakaunzi akachengeterwa ekuchengetedza, unogona kuseta mari isingabhadharwe mutero yemubhadharo wehutano hwako. Izvi zvinoreva kuti iwe uchabhadhara kwete kana kudzikisa mutero pamari iri mumaakaundi.

Izvi zvinotevera zvinogona kuwanikwa kwauri:

• Hutano Kuchengetedza Akaundi (HSA)
• Chiremba Chekuchengetedza Akaunti (MSA)
• Flexible Spending Kurongeka (FSA)
• Hutano Kudzorera Kurongeka (HRA)

Waunoshandira anogona kukupa sarudzo idzi, uye dzimwe dzacho dzinogona kumisikidzwa wega. Vanhu vazhinji vari kushandisa aya maakaunzi gore rega rega.

Aya maakaundi anotenderwa kana kudzorwa neInternal Revenue Service (IRS). Maakaunzi aya anosiyana zvichienderana nemari yaunogona kusevha uye kuti mari yacho inoshandiswa sei.

HSA ibhengi rebhangi raunoshandisa kuchengetedza mari yekurapa mari. Mari iwe yaunogona kusendeka parutivi kubva pagore kusvika pagore. Vamwe vashandirwi vanopa mari muHSA yako futi. Unogona kuchengeta mari muaccount kwenguva yakareba sezvaunoda. Muna 2018, muganho wemupiro waive $ 3,450 yemunhu mumwe chete.

Bhengi kana kambani yeinishuwarenzi inowanzo kubatirira iwe mari yacho. Ivo vanonzi HSA matirastii, kana vatariri. Waunoshandira angave aine ruzivo nezve ivo kwauri. Kana wako waunoshandira akwanisa account, iwe unogona kunge uine pre-mutero madhora anoiswa muaccount. Kana iwe ukavhura imwe iwe pachezvako, iwe unogona kubvisa iyo mari kana iwe ukaisa yako mutero.

NeHSAs, unogona:

• Kumbira kubvisirwa mutero pane iyo mari
• Tora mubhadharo wemutero
• Bvisa mari inokodzera yekurapa yaunobhadhara
• Tumira iyo HSA kune mutsva mushandirwi kana iwe pachako kana iwe ukachinja mabasa

Zvakare, iwe unogona kutakura pamusoro zvisina kushandiswa mari mune rinotevera gore. Mushure memakore makumi matanhatu nemashanu, unogona kutora mari muHSA yako kune zvisiri zvechiremba mari, pasina chirango.

Vanhu vari muzvirongwa zvehutano zvakakodzwa (HDHP) vanokodzera HSA. HDHPs ine yakaderedzwa yakakwira kupfuura zvimwe zvirongwa. Kuti utariswe seHHHP, chirongwa chako chinofanirwa kuve nemabvisirwo anosangana neimwe dhora huwandu. Ye 2020, iyi mari inodarika $ 3,550 yemunhu mumwe chete. Mari yacho inochinja gore rega rega.

MSAs maakaundi zvakanyanya kunge maHSA. Nekudaro, maMSA ndeevanhu vanozvishandira uye vashandi vemabhizimusi madiki (vashoma pasi pevashandi makumi mashanu), nevakaroora. Mari yaunogona kuisa parutivi zvinoenderana nemari yako yegore uye chirongwa chehutano chinobviswa.

Medicare zvakare ine chirongwa cheMSA.

Kunge HSA, bhangi kana kambani yeinishuwarenzi inobata iyo yekuchengetedza.Asi neMMSA, iwe kana iwe waunoshandira unogona kuisa mari muaccount, asi kwete ese ari maviri mugore rimwe chete.

NaMSAs, unogona:

• Kumbira kubvisirwa mutero pane iyo mari
• Tora mubhadharo wemutero
• Bvisa mari inokodzera yekurapa yaunobhadhara
• Chinjana iyo MSA kune mutsva mushandirwi kana iwe pachako kana iwe ukachinja mabasa

FSA ndeye pre-mutero ekuchengetedza account yakapihwa newaunoshandira chero chero mhando yehutano hurongwa. Unogona kushandisa mari kubhadharirwa mari yekurapa. Vanozvishandira vanhu havagone kuwana FSA.

NeFSA, unobvuma kuti wako waunoshandira aise chikamu chemubhadharo wako wepamberi muaccount. Wako waunoshandira anogonawo kupa kuaccount, uye haisi chikamu chemari yako yakawanda.

Iwe haufanire kufaira zvinyorwa zvemitero kune yako FSA. Paunotora mari kunze kweaccount yemubhadharo wekurapa, haina mutero. Kunge tambo yechikwereti, unogona kushandisa iyo account usati waisa mari muaccount.

Chero mari isingashandiswe haifambisi kune rinotevera gore. Saka iwe ucharasikirwa chero mari yawakaisa muaccount kana ukasaishandisa pakupera kwegore. Iwe zvakare haugone kutora FSA newe kana iwe ukachinja mabasa.

HRA chirongwa chakapusa chinopihwa newaunoshandira chero chirongwa chehutano. Izvo hazvitore rakasiyana bhengi account uye mutero kushuma. Iko hakuna mutero mukana kune iyi mhando account.

Wako waunoshandira anobhadhara huwandu hwesarudzo yavo uye anogadza maficha ehurongwa. Wako waunoshandira anosarudza kuti ndeapi-muhomwe muhomwe mari yekurapa inokodzera uye inopa kudzoreredzwa kune izvo zvinoshandiswa kana iwe uchishandisa kurapwa kwehutano. HRAs dzinogona kugadzirirwa chero mhando yehutano hurongwa.

Kana iwe ukachinja mabasa, HRA mari haifambi newe. Iko HSAs zvakanamatira kwauri, HRAs zvakabatanidzwa kune waunoshandira.

Nhoroondo dzekuchengetedza hutano; Zvichienderana nemari yekushandisa; Maakaundi ekuchengetedza zvekurapa; Hutano kudzoreredza marongero; HSA; MSA; Archer MSA; FSA; HRA

Dhipatimendi reHaimari - Yemukati Revenue Service. Nhoroondo dzekuchengetedza hutano uye mamwe marongero anodiwa mutero. www.neworleans.gov/pub/irs-pdf/p969.pdf. Yakagadziridzwa Nyamavhuvhu 23, 2020. Yakasvika Gumiguru 28, 2020.

HutanoCare.gov webhusaiti. Nhoroondo yekuchengetedza hutano (HSA). www.paisai-care.gov/glossary/health-savings-account-hsa. www.paisai-care.gov/glossary/health-savings-account-hsa. Yakasvika Gumiguru 28, 2020.

HutanoCare.gov webhusaiti. Uchishandisa Flexible Spending Account (FSA). www.hutano.com.gov/have-job-based-coverage/flexible-spending-accounts. Yakasvika Gumiguru 29, 2020.

Medicare.gov webhusaiti. Medicare Medical Savings Account (MSA) Zvirongwa. www.kuparts.com-modare-up-change-plans/types-of-medicare-health-plans/medicare-medical-savings-account-msa-plans. Yakasvika Gumiguru 29, 2020.

HutanoCare.gov webhusaiti. Hutano Kudzorera Kurongeka (HRA). www.pahealthcare.gov/glossary/health-reimbursement-account-hra. Yakasvika Gumiguru 29, 2020.

• Inishuwarenzi yehutano