Kodi pali kusiyana kotani pakati pa HSA, FSA, ndi HRA?

Company Funsani SingleCare

Inshuwalansi sikuphimba chilichonse. Ndipamene mapulani osungira a HSA, FSA, ndi HRA amabwera-ndi njira yokhazikitsira ndalama zandalama zomwe mukudziwa kuti zikubwera, zomwe sizigwera pansi pa ambulera yanu.

Ngati mumadzilemba nokha, kapena kugula inshuwaransi yanu, mumangoyenerera HSA. Ngati mungapeze inshuwaransi kudzera kwa abwana anu, mukhozanso kukhala nayo imodzi-kapena mitundu yonse ya maakaunti. Ndipo mwina mukudabwa momwe (ndipo bwanji) muyenera kusankha imodzi kuposa inayo.

Mu msuzi wa alfabeti wa mapulani osungira ndalama maupangiri, ndizosavuta kutaya. Kodi chidule chilichonse chimatani kwenikweni kutanthauza? Amasiyana bwanji? Zomwezo ndizofanana? Mukasakaniza malamulowo, akhoza kukuwonongerani ndalama. Gwiritsani ntchito bukhuli kuti muwalekanitse.

Kodi HSA imayimira chiyani?

Akaunti yosunga zaumoyo (HSA) ndi njira yapadera yoperekera ndalama kuti mulipirire ndalama zanu musanakumane ndi inshuwaransi yanu. Ipezeka kwa aliyense amene ali ndi pulani yayikulu yodula (HDHP).

Zomwe zimayenera kukhala zosintha kwakukulu chaka chilichonse. Mu 2019 , ndi $ 1,350 kapena pamwambapa kwa munthu payekha, ndi $ 2,700 kapena pamwambapa pa banja. Mu 2020, ndalamazo zimakwera mpaka $ 1,400 ndi $ 2,800. Ndikofunikira kudziwa zomwe zimayenera kulipidwa mthumba ndalama zisanachitike mu HDHP, atero a Tim Church, Pharm.D., Director of content at Wasayansi Wanu Wazachuma . Ngakhale ndalama zomwe amakhala nazo nthawi zambiri zimakhala zochepa, ngati wina sangakwanitse kulipira madola masauzande ambiri posamalira mosayembekezera, izi zitha kubweretsa ngongole zachipatala kapena kulepheretsa ambiri kufunafuna chisamaliro poyambilira.

Cholinga cha HSA ndikuti zikhale zosavuta kulipira ndalama zamankhwala (monga maulendo osayembekezereka kwa dokotala kapena kusamalira matenda osachiritsika) musanalandire ndalama zanu ndipo inshuwaransi yanu iyamba kulipira. Akauntiyi imalandira ndalama pang'ono kuchokera kulipira kulikonse; olemba anzawo ntchito amatha kuwonjezera ndalama ngati gawo limodzi la mapindu azaumoyo. Ndikuganiza kuti aliyense amene amapezeka ndi matenda amodzi kapena angapo amatha kugwiritsa ntchito chithandizo chamankhwala pafupipafupi, motero amakhala ndi mwayi wogwiritsa ntchito HSA yawo kuyendera, kukopera mankhwala, ndi / kapena zothandizira zomwe sizingachitike ndi inshuwaransi yawo, akuti Jeffrey Bratberg, Pharm.D ., Pulofesa wazachipatala ku University of Rhode Island College of Pharmacy.

Zofunika ndi:

• Ndalama zilizonse zomwe mumasunga ndizokhomera msonkho. Kutanthauza, kumachepetsa ndalama zanu zonse, komanso kuchuluka kwa misonkho yomwe mumalipira.
• Chidwi pa ndalama zomwe muli mu akaunti yanu alibe msonkho.
• Ndinu akaunti yanu. Chifukwa chake, ngati mutasintha olemba anzawo ntchito mumasunga ndalama zanu, ndipo palibe kutha kwa ndalama kumapeto kwa chaka. Ngati simugwiritsa ntchito ndalama zonse zomwe mwasunga, zotsalazo zimangodutsa. Mutha kubweza ndalama zosakwanira pa akauntiyi, koma mudzalipira chindapusa mpaka mutakwanitsa zaka 65.

Kuphatikiza apo, kwa iwo omwe ali ndi ndalama kapena ndalama zina kuti athe kulipira ndalama zochotsera kuchipatala (HDHP), munthu atha kutenga HSA ngati akaunti yopuma pantchito yomwe imalandiridwa ndi misonkho, akufotokoza Dr. Church. Ndi maubwino ake amisonkho katatu, zopereka mpaka malire ake zimachepetsa ndalama zonse zomwe zasinthidwa (AGI), kukulitsa misonkho, ndipo magawidwe atha kupangidwa kukhala aulere pamankhwala oyenerera kapena osagwiritsa ntchito akafika zaka 65.

Mumalandira kirediti kadi kapena ma cheke omwe amachokera pa ndalama zanu za HSA kuti mupeze ndalama zoyenera, monga zothandizira kumva kapena chindapusa cha labu kuti mutenge magazi. Ndikulangiza kuti anthu azigwiritsa ntchito kulipira ndalama zolipirira mankhwala, mankhwala a OTC, zotchingira dzuwa, kuyendera ma copays, komanso ntchito zamankhwala ngati ataphimbidwa ndi HSA wawo, atero Dr. Bratberg. Kuti musunge ndalama zochulukirapo, gwiritsani ntchito khadi yanu ya SingleCare pakauntala yamankhwala, kuti muwonetsetse kuti mwapeza mtengo wabwino kwambiri.

Mutha kupereka mpaka $ 3,500 kwa munthu m'modzi kapena $ 7,000 yabanja mu 2019. Mu 2020, ma maximums akukwera mpaka $ 3,550 ndi $ 7,100 motsatana.

Kodi FSA imayimira chiyani?

Akaunti yosungitsa ndalama (FSA), yomwe nthawi zina imadziwika kuti ndalama zosinthira ndalama, ndi njira yopezera ndalama zamsonkho musanapereke inshuwaransi kudzera kwa abwana anu. Olemba ntchito anzawo angathe perekani ku FSA yanu, koma sikofunikira.

Mutha kusunga mpaka $ 2,650 chaka kwa olemba anzawo ntchito onse. Zopereka zilizonse ku FSA yanu zimachepetsa ndalama zanu zonse, komanso kuchuluka kwa misonkho yomwe mudzalipira. Pali njira ziwiri zomwe mungagwiritsire ntchito ndalamazo mu FSA yanu: kugwiritsa ntchito kirediti kadi kuti mulipire momwe mumagwiritsira ntchito, kapena potumiza ma risiti (ndi zikalata zina zothandizira) kuti mubwezere.

Ndalama zomwe zimasungidwa mu FSA zitha kulipira ndalama zosiyanasiyana zothandizira kuchipatala ndi zina — ndipo olemba anzawo ntchito amapereka ma FSA omwe amawadalira kuti asunge ndalama zothandizira ana. Ingokhalani osamala, chifukwa ma FSA ali ndi zoletsa zina:

• Muyenera kulengeza ndalama zomwe mungapereke panthawi yolipira iliyonse, ndipo nthawi zambiri sizingasinthe mpaka nthawi yolembetsa itatsegulidwa.
• Abwana anu ndi omwe ali ndi akauntiyi. Izi zikutanthauza kuti ngati musintha olemba anzawo ntchito, mumataya ndalama.
• Ma FSA ambiri amafuna kuti mugwiritse ntchito ndalama zilizonse kumapeto kwa chaka. Ngati simugwiritsa ntchito ndalamazo, FSAs sizigwiritsa ntchito ndalama zomwe sizinagwiritsidwe ntchito. Mumataya ndalama.

Ngati muli ndi thanzi labwino lomwe mukudziwa kuti lidzawononga ndalama zina pachaka chonse, ikhoza kukhala njira yabwino yochepetsera ngongole za misonkho. Kapena, nthawi zina ngati mutapereka ndalama zambiri za HSA, mutha kukhala ndi FSA. Koma, ngati ndinu wamng'ono komanso wathanzi ndi chizolowezi choiwala za chisamaliro chaumoyo, a FSA sangakhale chisankho choyenera.

HSA vs. FSA

Ma HSA ndi ma FSA amafanana kwambiri. Mumapereka ndalama za pretax — zomwe zimachepetsa ndalama zanu zonse pamisonkho — kenako mumazigwiritsa ntchito kulipira ndalama zamankhwala zomwe inshuwaransi yanu sikulipira Kodi pali kusiyana kotani pakati pa HSA ndi FSA? Nazi zina zofunika.

HSAs

• Ma HSA ndi a anthu okhawo omwe ali ndi malingaliro azaumoyo apamwamba.
• Malire a zopereka ndi $ 3,500 kwa munthu aliyense, $ 7,000 yabanja.
• Mutha kusintha momwe mumathandizira chaka chonse.
• Ndalama za HSA zimayambira chaka ndi chaka.
• Ma HSA amapezeka kwa ogwira ntchito odzilemba okhaokha komanso wamba.
• Munthuyo ali ndi akaunti ya HSA.
• Akauntiyi imapeza chiwongola dzanja, ndipo ilibe msonkho.
• Akauntiyi ndi yanu ngakhale mutasintha ntchito.

FSAs

• Ma FSA amapezeka kudzera kwa olemba anzawo ntchito, kapena alibe dongosolo laumoyo.
• Malire a zopereka ndi $ 2,650.
• Mutha kungosintha ndalama zomwe mumapereka panthawi yolembetsa.
• FSAs amagwiritsa ntchito-kapena-kapena-kutaya-kutanthauza, ndalama zotsala zimapita kumapeto kwa chaka.
• FSAs sizipezeka kwa anthu omwe amadzipangira okha ntchito.
• Wolemba ntchitoyo ali ndi akaunti ya FSA.
• Akaunti simapeza chiwongola dzanja.
• Mumataya akaunti mukasintha ntchito.

Kodi HRA imayimira chiyani?

Akaunti yobwezera zaumoyo ( Masewera ) -Nthawi zina amatchedwa dongosolo la kubwezera zaumoyo-ndi njira yoti abwana anu azilipira ndalama zomwe mumalipira mthumba ndi mtundu uliwonse wa inshuwaransi. Simungathe kuwonjezerapo ndalama, abwana anu okha ndi omwe angathe. Wolemba ntchito wanu amasankha kuchuluka kwa pulaniyo, ndipo ndalama zilizonse zimapezeka koyambirira kwa chaka.

Mutha kugwiritsa ntchito ndalama za HRA polipira ndalama zochiritsira ndi kirediti kadi ka HRA kapena mwa kupereka ndalama zakubwezera. Maakaunti a HRA amagwira ntchito ndi maakaunti a FSA ndi HSA. Kawirikawiri ndalama zimaperekedwa kuchokera ku FSA kapena HSA poyamba, ndiye ndalama zochokera ku HRA zimagwiritsidwa ntchito pakusintha.

Kutengera momwe dongosolo limakhazikidwira, ndalamazo zimatha kupitilira chaka ndi chaka.

HRA ndi HSA

Cholinga cha HRA ndi HSA ndichofanana: kupatula ndalama zolipirira zolipirira zaumoyo zomwe sizinachitike ndi inshuwaransi. Ndipamene kufanana kumathera. Kusiyanitsa pakati pa HRA ndi HSA? Werengani mndandanda uli pansipa.

HRAs

• Ma HRA atha kuperekedwa ndi mtundu uliwonse wa mapulani a inshuwaransi.
• Palibe malire ochepera kapena osachepera. Koma, wolemba anzawo ntchito ayenera kuwonjezera mwayi womwewo wa HRA kwa onse omwe ali mgulu lomwelo.
• Olemba ntchito okha ndi omwe angathandizire ku HRAs.
• Ndalama za HRA zimabwereranso kwa olemba anzawo ntchito kumapeto kwa chaka. Olemba anzawo ntchito akhoza kuloleza kuti ndalama ziwonjezeke.
• Ma HRA sakupezeka kwa anthu odzilemba okha.
• Wogwira ntchito ali ndi akaunti ya HRA.
• Akaunti simapeza chiwongola dzanja.
• Mumataya akaunti mukasintha ntchito.

HSAs

• Ma HSA ndi a anthu okhawo omwe ali ndi malingaliro azaumoyo apamwamba.
• Malire a zopereka ndi $ 3,500 kwa munthu aliyense, $ 7,000 yabanja.
• Aliyense akhoza kupereka ma HSA: anthu, olemba anzawo ntchito, kapena abale.
• Ndalama za HSA zimayambira chaka ndi chaka.
• Ma HSA amapezeka kwa ogwira ntchito odzilemba okhaokha komanso wamba.
• Munthuyo ali ndi akaunti ya HSA.
• Akauntiyi imapeza chiwongola dzanja, ndipo ilibe msonkho.
• Akauntiyi ndi yanu ngakhale mutasintha ntchito.

HRA vs HSA vs. FSA kuyerekezera

Simukudziwa momwe mungasiyanitsire maakaunti awa? Tchulani tebulo ili m'munsiyi, chifukwa chosiyana kwambiri.

	HSA	Masewera	FSA
Ndinu akaunti yanu.	+	✘	✘
Abwana anu ndi omwe ali ndi akauntiyi.	✘	+	+
Mukasiya bwana wanu, mutha kusunga ndalamazo.	+	✘	✘
Mumayika ndalama.	+	✘	+
Bwana wanu yekha ndi amene amaika ndalama.	✘	+	✘
Pali malire pamomwe mungaperekere ndalama chaka chilichonse.	+	✘	+
Muyenera kukhala ndi pulogalamu ya inshuwaransi yodula kwambiri.	+	✘	✘
Ndalama zosagwiritsidwa ntchito nthawi zonse zimadutsa chaka ndi chaka.	+	✘	✘