Umu ndi momwe mungapezere mpumulo wamisonkho pazovuta zachipatala

Kumvetsetsa Maakaunti Osungira Zaumoyo mu Inshuwaransi Yokwanira mu 2023

zithunzi za anthu | katundu | Zithunzi za Getty

Kumayambiriro kwa nthawi yolembetsa yotseguka, mungadzipeze kuti mukuyenera kusankha ngati akaunti yosungira thanzi iyenera kukhala gawo la Medicare 2023. Maakaunti a msonkhowa amalola ogwiritsa ntchito kusunga ndalama zachipatala.

Makampani ambiri posachedwapa agwira—kapena ayamba kale—nthawi yolembetsa pachaka yotseguka kwa ogwira ntchito kuti asankhe mapulani awo azaumoyo chaka chamawa, pakati pa mapindu ena operekedwa ndi owalemba ntchito. Ena mwa makampaniwa adzapereka otchedwa mkulu-deductible thanzi mapulani, zimene HSA kugwirizana ndi, monga Kuphunzira njira.

“Kwambiri … [HSA eligible] “Dongosololi ndi njira yotsika mtengo kwambiri yopezera inshuwaransi yazaumoyo,” adatero katswiri wazachuma wovomerezeka Carolyn McClanahan, woyambitsa Life Planning Partners ku Jacksonville, Florida.

Zandalama zambiri zaumwini:
Masiku 4 ofunikira kuti muphunzire za chikhululukiro cha ngongole ya ophunzira
Nazi njira zodzitetezera ku chinyengo
Katswiri wa NBA James Harden amathandizira ulendo wophunzirira zachuma

Koma makampani ochepera akupereka izi: Mu 2021, 17% yamakampani omwe ali ndi zopindulitsa zaumoyo adapereka mapulani otsika mtengo, kuchokera pa 20% mu 2020 ndi 26% mu 2019, malinga ndi kafukufuku wa Kaiser Family Foundation.

“Pakhala chizolowezi choti olemba anzawo ntchito azipereka mapulani ndi kuchotsera kwakukulu kokha,” atero a Lisa Myers, wotsogolera ntchito zamakasitomala ndi maakaunti opindulitsa ku Chancellor Willis Towers Watson. “Koma kwenikweni adathandizira pang’ono … Ogwira ntchito ambiri ali ndi chisankho pazomwe angalembe.”

Kuchotsera kwakukulu kumatanthauza malipiro ochepa

Mapulani a HSA oyenerera, otsika mtengo kwambiri a 2023 adzabwera ndi kuchotsera pachaka – ndalama zomwe mumalipira pamitengo yachipatala inshuwaransi isanayambe – zosachepera $1,500 pa dongosolo la munthu aliyense ndi $3,000 ya mabanja. Komabe, mapulaniwa nthawi zambiri amakhala ndi ndalama zotsika pamwezi poyerekeza ndi zosankha zapamwamba zosachotsedwa.

Pakalipano, ma HSA amadziwika ndi ubwino wawo wamisonkho katatu: Zopereka zimaperekedwa msonkho usanabwere, kukula sikuli msonkho, ndipo ndalama zomwe zimagwiritsidwa ntchito pazithandizo zachipatala zoyenerera sizimaperekedwa msonkho.

Ndizofanana ndi Flexible Spending Accounts, kapena FSAs, zomwe zimakupatsaninso mwayi wosunga ndalama zamisonkho kuti mugwiritse ntchito pazamankhwala oyenerera mosasamala kanthu za chithandizo chanu chaumoyo. Koma ma HSA ali ndi zinthu zazikulu zomwe zingapangitse dongosolo lazaumoyo lovomerezeka ndi HSA kukhala njira yabwinoko kwa ogwira ntchito ena.

Ogwira ntchito omwe ali ndi ndalama zochepa zathanzi ndi oyenera ku HSA

Myers adati ogwira ntchito yathanzi omwe amayembekeza kukhala ndi ndalama zochepa zachipatala mchakachi ndi omwe akufuna kuti awonjezere phindu la ma HSA.

Komabe, ngakhale mutagwiritsa ntchito zomwe zili mu HSA pa ndalama zamakono zothandizira zaumoyo, mutha kupindulabe ndi zopereka za msonkho, zomwe zimachepetsa ndalama zomwe mumapeza, Myers adanena.

Mchaka cha 2023, zopereka zapachaka za HSA ndi $3,850 pazodzitetezera zokha ndi $7,750 pazothandizira mabanja. Ndalama zonse ziwirizi zili pamwamba pa malire a zopereka za FSA a $2,850 pa wogwira ntchito aliyense mu 2022. (Zigawo za 2023 za FSA sizinalengezedwe.

Chimodzi mwazopindulitsa zazikulu za HSA ndikuti mosiyana ndi FSAs, ndalama zomwe mumapereka siziri “kuzigwiritsa ntchito kapena kuzitaya” – ndiko kuti, mutha kusiya ndalamazo chaka ndi chaka ndipo, ngati mutayikidwa, zilekeni kuti zikule pakapita nthawi. .

“Ngati mungathe kulola kuti HSA yanu ikule, ndiye njira yabwino kwambiri chifukwa ndalamazo zimatha kukhala zopanda msonkho kwamuyaya ndikugwiritsidwa ntchito kubweza ndalama zachipatala pambuyo pake,” adatero McClanahan. “Nthawi zonse mutha kuchotsa ndalamazi m’zaka zamtsogolo kuti mulipirire zomwe zawonongeka m’mbuyomu.”

Mwa kuyankhula kwina, ngati mumalipira ndalama zomwe mumagwiritsa ntchito panopa m’thumba lanu m’malo mochoka ku HSA, mukhoza kudzipangira nokha – ingosungani malisiti anu.

Phindu lina lokhala ndi ma HSA ndilakuti mutha kusintha chiwongola dzanja nthawi iliyonse pachaka m’malo moyika ndalama izi chaka chisanayambe, monga momwe zimakhalira ndi FSAs.

Ogwira ntchito achikulire-omwe ali ndi zaka zosachepera 55-akhoza kuika $1,000 yowonjezera mu akaunti yawo ya Social Security. Dziwani, komabe, kuti ngati mukuyandikira zaka zoyenerera za Medicare za 65, simungathandizire ku akaunti yanu mukangolembetsa ku Medicare, ngakhale ndi Gawo A lokha (chithandizo chachipatala).

Komabe, mukadzafika zaka 65, mutha kugwiritsa ntchito ndalama za HSA pazowonongera zilizonse, ngakhale kuti kuchotsedwako kudzakhala msonkho ngati sikunagwiritsidwe ntchito pazithandizo zamankhwala.

Myers adanena kuti makampani ena omwe amapereka mapulani oyenerera a HSA ndi ma FSA amapereka zida zapaintaneti zothandizira antchito awo kusankha zomwe zili zomveka.

Leave a Comment

Your email address will not be published.