Iakhawunti yokonga yeendleko zokhathalelo lwempilo

Njengotshintsho lweinshurensi yezempilo, iindleko eziphuma epokothweni ziyaqhubeka nokukhula. Ngeeakhawunti zokonga ezikhethekileyo, unokubeka bucala imali engaxolelwanga ekuhlawuleni irhafu kwiindleko zakho zokhathalelo lwempilo. Oku kuthetha ukuba awuyi kuhlawula okanye unciphise irhafu kwimali ekwiakhawunti.

Ezi ndlela zilandelayo zinokufumaneka kuwe:

• Iakhawunti yokonga iMpilo (HSA)
• Iakhawunti Yokonga Ngonyango (MSA)
• Amalungiselelo enkcitho eguqukayo (FSA)
• Amalungiselelo okuBuyiselwa kwezeMpilo (HRA)

Umqeshi wakho angakunika ezi ndlela, kwaye ezinye zazo zinokumiselwa ngokwakho. Abantu abaninzi basebenzisa ezi akhawunti minyaka le.

Ezi akhawunti zivunyiwe okanye zilawulwa yiNkonzo yangaphakathi yeNgeniso (IRS). Iiakhawunti ziyahluka ngokujonga ukuba ungonga malini kunye nendlela esetyenziswa ngayo imali.

I-HSA yiakhawunti yebhanki oyisebenzisayo ukugcina imali kwiindleko zonyango. Imali onokuyibekela bucala utshintsho unyaka nonyaka. Abanye abaqeshi banikela ngemali kwi-HSA yakho ngokunjalo. Ungayigcina imali kwi-akhawunti kangangoko ufuna. Ngo-2018, umda wenkxaso wawuyi- $ 3,450 kumntu omnye.

Ibhanki okanye inkampani yeinshurensi ihlala ikuphathela imali. Babizwa ngokuba ziitrasti ze-HSA, okanye abagcini. Umqeshi wakho unokuba nolwazi malunga nawe. Ukuba umqeshi wakho ulawula iakhawunti, unokukwazi ukuba neerhafu zangaphambili zifakwe kwiakhawunti. Ukuba uzivulela ngokwakho, unokuthatha iindleko xa ufaka irhafu.

Ngee-HSA, unga:

• Yenza ibango lokuxhuzulwa kwerhafu kulondolozo
• Zuza inzala engahlawulelwa rhafu
• Susa iindleko zonyango ozihlawulelayo
• Dlulisa i-HSA kumqeshi omtsha okanye ngokwakho ukuba utshintsha imisebenzi

Kananjalo unokuqhuba nemali engasetyenziswanga kunyaka olandelayo. Emva kweminyaka engama-65, ungathatha ukonga kwi-HSA yakho ngeendleko ezingezizo ezonyango, ngaphandle kwesigwebo.

Abantu kwizicwangciso zezempilo eziphezulu (HDHP) banelungelo lokufumana i-HSA. Ii-HDHP zinokutsalwa okuphezulu kunezinye izicwangciso. Ukuqwalaselwa njenge-HDHP, isicwangciso sakho kufuneka sitsalwe esidibana nesixa esithile sedola. Nge-2020, eli xabiso lingaphezulu kwe- $ 3,550 yomntu omnye. Ixabiso liyatshintsha minyaka le.

Ii-MSAs ziiakhawunti kakhulu njengee-HSA. Nangona kunjalo, ii-MSAs zezabantu abaziqeshileyo kunye nabasebenzi bamashishini amancinci (abasebenzi abangaphantsi kwama-50), kunye nabatshatileyo. Imali onokuyibekela bucala ixhomekeke kumvuzo wakho wonyaka kunye nesicwangciso sempilo esitsalwayo.

I-Medicare ikwanesicwangciso seMSA.

Njenge-HSA, ibhanki okanye inkampani yeinshurensi ibamba ukonga.Kodwa nge-MSAs, nokuba wena okanye umqeshi wakho unokufaka imali kwiakhawunti, kodwa hayi zombini ngonyaka omnye.

Ngee-MSAs, unga:

• Yenza ibango lokuxhuzulwa kwerhafu kulondolozo
• Zuza inzala engahlawulelwa rhafu
• Susa iindleko zonyango ozihlawulelayo
• Dlulisela iMSA kumqeshi omtsha okanye kuwe ukuba utshintsha imisebenzi

I-FSA yi-akhawunti yokonga ngaphambi kwerhafu enikezelwa ngumqeshi ngalo naluphi na uhlobo lwesicwangciso sempilo. Ungayisebenzisa imali ukubuyiselwa iindleko zonyango. Abantu abazimeleyo abanakho ukufumana i-FSA.

Nge-FSA, uyavuma ukuba umqeshi wakho abeke inxenye yomvuzo wakho werhafu kwangaphambili kwiakhawunti. Umqeshi wakho naye unokufaka isandla kwiakhawunti, kwaye ayiyonxalenye yomvuzo wakho.

Awudingi kufaka amaxwebhu erhafu kwi-FSA yakho. Xa ukhupha imali kwiakhawunti yeendleko zonyango ezifanelekileyo, ayihlawulelwa rhafu. Njengamatyala, ungasebenzisa iakhawunti ngaphambi kokuba ubeke imali kwiakhawunti.

Nayiphi na imali engasetyenziswanga ayigqithiseli kunyaka olandelayo. Ke uya kuphulukana nayo nayiphi na imali oyibeke kwiakhawunti ukuba awuyisebenzisi ekupheleni konyaka. Awunakho ukuthatha i-FSA kunye nawe ukuba utshintsha imisebenzi.

I-HRA lilungiselelo elilula elinikezelwa ngumqeshi ngalo naluphi na uhlobo lwesicwangciso sezempilo. Ayifuni iakhawunti yebhanki eyahlukileyo kunye nengxelo yerhafu. Akukho lungelo lerhafu kolu hlobo lweakhawunti.

Umqeshi wakho uxhasa ngemali isixa sokukhetha kwabo kwaye useta amanqaku elungiselelo. Umqeshi wakho uthatha isigqibo sokuba zeziphi iindleko zonyango ezingaphandle kweepokotho ezifanelekileyo kwaye unikezela ngembuyekezo yezo ndleko xa usebenzisa ukhathalelo lwempilo. Ii-HRAs zinokucwangciselwa naluphi na uhlobo lwesicwangciso sezempilo.

Ukuba utshintsha imisebenzi, imali ye-HRA ayihambi nawe. Apho ii-HSA ziqhotyoshelwe kuwe, ii-HRA ziqhotyoshelwe kumqeshi.

Iiakhawunti zokonga impilo; Iiakhawunti zenkcitho eziguqukayo; Iiakhawunti zokonga; Amalungiselelo okubuyiselwa kwempilo; HSA; MSA; I-MSA yomtoli; FSA; HRA

Isebe likaNondyebo-Inkonzo yeNgeniso yangaphakathi. Iiakhawunti zokonga impilo kunye nezinye izicwangciso zezempilo ezithandwa yirhafu. Iirenkile.gov/pub/irs-pdf/p969.pdf. Ukuhlaziywa kweSeptemba 23, 2020. Ifikeleleke ngo-Okthobha 28, 2020.

HealthCare.gov iwebhusayithi. Iakhawunti yokonga impilo (HSA). Lwezempilo.gov/glossary/mpiliso-svings-account-hsa. Lwezempilo.gov/glossary/mpiliso-svings-account-hsa. Kufumaneka ngo-Oktobha 28, 2020.

HealthCare.gov iwebhusayithi. Sebenzisa iAkhawunti yokuSebenzisa iiFlexible (FSA). Lwezempilo Health.gov/have-job-based-coverage/flexible-spending-accounts. Kufumaneka ngo-Oktobha 29, 2020.

Iwebhusayithi yeMedicare.gov. Izicwangciso zeakhawunti yoLondolozo lwezoNyango lweMedare (MSA). www.medicare.gov/sign-up-change-plans/types-of-medicare-health-plans/medicare-medical-savings-account-msa-plans. Kufumaneka ngo-Oktobha 29, 2020.

HealthCare.gov iwebhusayithi. Amalungiselelo okuBuyiselwa kwezeMpilo (HRA). Lwezempilo.gov/glossary/health-reimbursement-account-hra. Kufumaneka ngo-Oktobha 29, 2020.

• I-inshorensi yempilo