I-akhawunti yokonga yezindleko zokunakekelwa kwezempilo

Njengoba umshwalense wezempilo ushintsha, izindleko eziphuma ephaketheni ziyaqhubeka nokukhula. Ngama-akhawunti akhethekile okonga, ungabeka eceleni imali ekhokhiswa intela yezindleko zakho zokunakekelwa kwezempilo. Lokhu kusho ukuthi ngeke ukhokhe cha noma unciphise intela emalini akuma-akhawunti.

Izinketho ezilandelayo ungazithola:

• I-Akhawunti Yokonga Impilo (HSA)
• I-Akhawunti Yokonga Kwezokwelapha (MSA)
• Ukuhlelwa Kokuchitha Imali Nezimo (FSA)
• Ukuhlelwa Kwezimbuyiselo Zezempilo (i-HRA)

Umqashi wakho angakunikeza lezi zinketho, futhi ezinye zazo zingasethwa wedwa. Abantu abaningi basebenzisa la ma-akhawunti minyaka yonke.

Lawa ma-akhawunti avunyelwe noma alawulwa yi-Internal Revenue Service (IRS). Ama-akhawunti ayahluka ngokuya ngemali ongayonga nokuthi izimali zisetshenziswa kanjani.

I-HSA yi-akhawunti yasebhange oyisebenzisela ukonga imali yezindleko zezokwelapha. Inani ongalibeka eceleni izinguquko unyaka nonyaka. Abanye abaqashi banikela ngemali ku-HSA yakho futhi. Ungagcina imali kwi-akhawunti isikhathi eside njengoba ufuna. Ngo-2018, umkhawulo wokunikela wawungu- $ 3,450 womuntu oyedwa.

Ibhange noma inkampani yomshuwalense imvamisa ikuphathela imali. Babizwa ngokuthi abaphatheli be-HSA, noma abagcini. Umqashi wakho angaba nolwazi ngawe. Uma umqashi wakho ephatha i-akhawunti, ungakwazi ukufaka ama-dollar angaphambi kwentela afakwe ku-akhawunti. Uma uvula eyodwa, ungadonsa izindleko lapho ufaka intela yakho.

Ngama-HSA, unga:

• Funa ukuncishiswa kwentela kulondolozwe
• Thola inzalo engenayo intela
• Khipha izindleko zokwelashwa okufanelekayo ozikhokhelayo
• Dlulisa i-HSA kumqashi omusha noma kuwe uma ushintsha imisebenzi

Futhi, ungaphatha imali engasetshenziswanga ngonyaka olandelayo. Ngemuva kweminyaka engama-65, ungathatha imali ku-HSA yakho ngezindleko ezingezona ezokwelapha, ngaphandle kwenhlawulo.

Abantu abasezinhlelweni zezempilo eziphakeme (HDHP) bafanelekela i-HSA. Ama-HDHP anokudonswa okuphezulu kunezinye izinhlelo. Ukuze ubhekwe njenge-HDHP, uhlelo lwakho kufanele lube nezinciphiso ezihlangabezana nenani elithile ledola. Okwe-2020, leli nani lingaphezu kwe- $ 3,550 yomuntu oyedwa. Inani liyashintsha minyaka yonke.

Ama-MSAs ama-akhawunti afana kakhulu nama-HSA. Kodwa-ke, ama-MSAs awabantu abazisebenzelayo nabasebenza amabhizinisi amancane (abasebenzi abangaphansi kwama-50), nabashade nabo. Inani ongalibeka eceleni lincike emholweni wakho wonyaka nohlelo lwezempilo oludonswayo.

I-Medicare nayo inecebo le-MSA.

Njenge-HSA, ibhange noma inkampani yomshuwalense ibamba okonga.Kepha ngama-MSAs, kungaba wena noma umqashi wakho ongafaka imali kwi-akhawunti, kepha hhayi womabili ngonyaka ofanayo.

Ngama-MSAs, unga:

• Funa ukuncishiswa kwentela kulondolozwe
• Thola inzalo engenayo intela
• Khipha izindleko zokwelashwa okufanelekayo ozikhokhelayo
• Dlulisela i-MSA kumqashi omusha noma kuwe uma ushintsha imisebenzi

I-FSA yi-akhawunti yokonga ngaphambi kokukhokha intela enikezwa umqashi nganoma yiluphi uhlobo lohlelo lwezempilo. Ungasebenzisa imali ukubuyiselwa izindleko zezokwelapha. Abantu abazisebenzayo abakwazi ukuthola i-FSA.

Nge-FSA, uyavuma ukuthi umqashi wakho abeke ingxenye yomholo wakho wangaphambi kwentela ku-akhawunti. Umqashi wakho naye angafaka isandla ku-akhawunti, futhi akuyona ingxenye yemali yakho yonke.

Awudingi ukufaka imibhalo yentela ye-FSA yakho. Uma ukhipha imali ku-akhawunti yezindleko ezifanele zokwelashwa, ayikho intela. Njengolayini wesikweletu, ungasebenzisa i-akhawunti ngaphambi kokufaka imali ku-akhawunti.

Noma yiziphi izimali ezingasetshenziswanga azidluleli onyakeni olandelayo. Ngakho-ke uzolahlekelwa yimali oyifaka ku-akhawunti uma ungayisebenzisi ekupheleni konyaka. Ngeke futhi uthathe i-FSA uma ushintsha imisebenzi.

I-HRA uhlelo olulula olunikezwa umqashi nganoma yiluphi uhlobo lwecebo lezempilo. Akudingi i-akhawunti yasebhange ehlukile nokubikwa kwentela. Ayikho inzuzo yentela kulolu hlobo lwe-akhawunti.

Umqashi wakho unika imali inani lokuzikhethela kwakhe futhi uhlela izici zelungiselelo. Umqashi wakho unquma ukuthi yiziphi izindleko zokwelashwa ezingaphandle kwesikhwama ezifanelekayo futhi unikeze imbuyiselo yalezo zindleko lapho usebenzisa ukunakekelwa kwezempilo. Ama-HRA angasethelwa noma yiluphi uhlobo lohlelo lwezempilo.

Uma ushintsha imisebenzi, izimali ze-HRA azihambi nawe. Lapho ama-HSA enamathiselwe kuwe, ama-HRA anamathele kumqashi.

Ama-akhawunti okonga ezempilo; Ama-akhawunti wokusebenzisa imali angaguquki; Ama-akhawunti okonga ngokwezokwelapha; Amalungiselelo embuyiselo yezempilo; HSA; I-MSA; Umcibisheli MSA; FSA; HRA

UMnyango Wezezimali - Isevisi Yezimali Zangaphakathi. Ama-akhawunti okonga ezempilo namanye amacebo ezempilo athanda intela. www.irs.gov/pub/irs-pdf/p969.pdf. Kubuyekezwe ngo-Septhemba 23, 2020. Kufinyelelwe ngo-Okthoba 28, 2020.

HealthCare.gov iwebhusayithi. I-akhawunti yokonga impilo (HSA). www.healthcare.gov/glossary/health-savings-account-hsa. www.healthcare.gov/glossary/health-savings-account-hsa. Kufinyelelwe ngo-Okthoba 28, 2020.

HealthCare.gov iwebhusayithi. Usebenzisa i-Akhawunti Esebenzisa Izimo Eguqukayo (FSA). Impilo yezempilo.gov/have-job-based-coverage/flexible-spending-accounts Kufinyelelwe ngo-Okthoba 29, 2020.

I-Medicare.gov iwebhusayithi. Izinhlelo ze-Medicare Medical Savings Account (MSA). www.medicare.gov/sign-up-change-plans/types-of-medicare-health-plans/medicare-medical-savings-account-msa-plans. Kufinyelelwe ngo-Okthoba 29, 2020.

HealthCare.gov iwebhusayithi. Ukuhlelwa Kwezimbuyiselo Zezempilo (i-HRA). www.healthcare.gov/glossary/health-reimbursement-account-hra. Kufinyelelwe ngo-Okthoba 29, 2020.

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