Ndeupi musiyano pakati peHSA, FSA, uye HRA?

Kambani Bvunzai Imwe Care

Inishuwarenzi haifukidze zvese. Ndipo panouya zvirongwa zvekuchengetedza HSA, FSA, uye HRA-inzira yekuisa parutivi mari yemari yehutano iwe yaunoziva kuti iri kuuya, iyo isingawiri pasi peamburera yako yekubatsirwa.

Kana iwe uri kuzvishandira, kana kutenga yako inishuwarenzi, iwe unongokodzera iyo HSA. Kana iwe ukawana inishuwarenzi kuburikidza newaunoshandira, iwe unogona zvakare kuve nekwaniso kune imwe-kana ese aya maakaundi mhando. Uye iwe pamwe unonetseka kuti sei (uye nei) iwe uchifanira kusarudza imwe pamusoro peimwe.

Mune sarufabheti sopu yemubhadharo wekuchengetedza hurongwa maAcronyms, zviri nyore kurasikirwa negwara. Chii chinoita chidimbu chimwe nechimwe chaizvo Zvinorevei? Vakasiyana sei? Chii chakafanana? Ukasanganisa iyo mitemo, inogona kupedzisira yakudhara iwe mari. Shandisa iri gwaro kuvatauranisa.

Chii chinonzi HSA chinomirira?

Nhoroondo yekuchengetedza hutano (HSA) inzira yakasarudzika yekuisa parutivi mari yekuvhara yako ekurapa usati wasangana neinishuwarenzi yako yakabviswa. Inowanikwa kune chero munhu ane chirongwa chepamusoro chinobviswa chehutano (HDHP).

Izvo zvinokodzera sekukwirisa kwakabviswa shanduko gore rega. In 2019 , i $ 1,350 kana pamusoro pemunhu, uye $ 2 700 kana pamusoro pemhuri. Muna 2020, iyo mari inokwira kusvika ku $ 1,400 uye $ 2,800. Zvakakosha kuziva kuti ndedzipi mari dzinofanirwa kubhadharwa kunze-kwehomwe zvisati zvadhonzwa zvasangana mukati meHDHP, anodaro Tim Church, Pharm.D., Director wezve Wako Wezvemari Pharmacist . Kunyangwe maprimiyamu achiwanzove akaderera, kana munhu asingakwanise kuvhara zviuru zvemadhora nekuda kwekutarisirwa kusingatarisirwe, izvi zvinogona kutungamira kuchikwereti chekurapa kana kudzora vazhinji kubva mukutsvaga kurapwa pakutanga.

Chinangwa cheHSA ndechekuita kuti zvive nyore kubhadhara mari yekurapa (sekushanya kusingatarisirwi kwachiremba kana kutarisira chirwere chisingaperi) usati wabvisirwa deduct uye inishuwarenzi yako yatanga kubhadhara mari. Iyo account inobhadharwa zvishoma kubva kune yega paycheck; vashandirwi vanogona kuwedzera mari sechikamu chehurongwa hwekubatsira hutano zvakare. Ini ndinofunga chero munhu akawanikwa aine imwe kana yakawanda isingaperi mamiriro angangoshandisa kurapwa kwehutano kazhinji, uye nekudaro vane mikana yakawanda yekushandisa HSA yavo kushanya, kunyorerwa kopi, uye / kana zvekuwedzera izvo zvinogona kunge zvisina kuvharwa neinishuwarenzi, anodaro. Jeffrey Bratberg, Chiremba ., muzvinafundo wepachipatara paYunivhesiti yeRhode Island College yeFarmacy.

Zvinowanikwa ndeizvi:

• Chero mari yaunochengetera pre-mutero. Kureva, inoderedza mari yako yakawanda, uye huwandu hwemutero waunobhadhara.
• Chimbadzo pamari iri muaccount yako haina mutero.
• Iwe ndiwe muridzi weakaunzi. Nekudaro, kana iwe ukachinja vashandirwi unochengeta yako mari, uye hapana kupera kwekupera kwemari pakupera kwegore. Ukasashandisa mari yese yawakachengeta, bhalansi inodarika. Iwe unogona kutora kubvisa zvisina kukodzera mari paakaundi, asi iwe uchabhadhara mutero wemutero kusvikira wapfuura makore makumi matanhatu nemashanu.

Pamusoro pezvo, kune avo vane mari inoyerera zvakanaka kana imwe mari yekuchengetedza mari yekurapa muhurongwa hwehutano hwakabviswa (HDHP), munhu anogona kubata HSA senhoroondo yemudyandigere inodiwa nemari iri kudyarwa, anotsanangura Dr. Kereke. Nemitero yayo mitatu yemitero, mipiro inosvika kumiganhu yakadzika inoderedza mari yakagadziriswa yemunhu (AGI), kukura mutero, uye kugoverwa kunogona kuitwa kusabhadhariswa mutero kune anokwanisa ekurapwa mari kana zvisinei nekushandisa mushure memakore makumi matanhatu nemashanu.

Iwe unogashira kiredhiti kadhi kana macheki ayo anokwevera pane yako HSA bhalansi kune inokodzera mari, senge yekunzwa rubatsiro kana murabhorari fizi yekuve neropa rakavhomorwa. Ndinokurudzira kuti vanhu vavashandise kubhadhara mari yekunwa mishonga, OTC mishonga, sunscreen, kushanyira macopay, uye kunyangwe mishonga yemakiriniki kana akafukidzwa neHSA yavo, anodaro Dr. Bratberg. Kuti uchengetedze yakatowanda mari, shandisa kadhi rako reSingleCare pakaunda yemishonga, kuti uve nechokwadi chekuti wawana mutengo wakanyanya.

Unogona kupa kusvika kumadhora mazana matatu nemazana mashanu emunhu kana madhora zviuru zvinomwe zvemhuri muna2019. Muna 2020, ma maximums anokwira kuenda ku $ 3,550 uye $ 7,100 zvichiteerana.

Chii chinonzi FSA chinomirira?

Akaundi inochengeterwa mari yekuchengetedza (FSA) - dzimwe nguva inonzi inoshandisika nzira yekuronga - inzira yekuisa parutivi pre-mutero madhora ezvehutano kana iwe uine inishuwarenzi kuburikidza newaunoshandira. Vashandirwi unokwanisa batsira kuFSA yako, asi hazvidiwe.

Unogona kusevha kusvika kumadhora 2,650 gore pamushandirwi. Chero zvipo zvinopihwa kuFSA yako zvinoderedza mari yako yakawanda, uye huwandu hwemutero wauchabhadhara. Pane nzira mbiri dzekushandisa mari muFSA yako: kushandisa kiredhiti kadhi kubhadhara sezvaunoshandisa, kana nekutumira maresiti (uye mamwe magwaro anotsigira) ekubhadhara.

Mari yakachengetedzwa muFSA inogona kubhadhara zvakasiyana siyana zvekurapa zvekushandisa uye zvekushandisa-uye vamwe vashandirwi vanopa rubatsiro rwekutarisira maFSA kuchengetedza mari yekuchengeta vana. Ingo chenjera, nekuti maFSA ane zvimwe zvinorambidzwa:

• Iwe unofanirwa kuzivisa kuti yakawanda sei yekupa yega yega yekubhadhara nguva, uye kazhinji haigone kuchichinja kusvika yakavhurika kunyoresa nguva.
• Waunoshandira muridzi weakaundi. Izvi zvinoreva kuti kana iwe ukachinja vashandirwi, iwe unorasikirwa nemari.
• Mazhinji maFSA anoda kuti iwe ushandise chero mari gore risati rapera. Kana iwe ukasashandisa mari yacho, maFSA haatenderi mari isingashandiswi. Unorasikirwa nemari.

Kana iwe uine chirwere chisingaperi chehutano chaunoziva kuti chinodhura imwe mwero mukati megore, inogona kunge iri nzira yakanaka yekudzora mitero yemitero. Kana, mune mamwe mamiriro ezvinhu kana ukarova mupiro wakakura weiyo HSA, unogona kuva neFSA, futi. Asi, kana iwe uri mudiki uye uine hutano nehunhu hwekukanganwa nezve hutano, FSA inogona kunge isiri sarudzo chaiyo.

HSA vs. FSA

HSAs uye FSAs vane zvakawanda zvakafanana. Iwe unopa mari yepamberi — iyo inoderedza mari yako yakawandisa kuitira mutero - wobva waishandisa kubhadhara mari yekurapwa yako inishuwarenzi chirongwa chisingavhare. Ndeupi musiyano pakati peHSA neFSA? Heano mamwe akakosha.

HSAs

• HSAs ndezve vanhu chete vane zvirongwa zvehutano zvakakwirisa.
• Muganhu wemupiro uri $ 3,500 yemunhu, $ 7,000 yemhuri.
• Unogona kushandura kuti unopa zvakadii mukati megore rose.
• HSA mari inotenderera kubva pagore-kusvika-gore.
• HSAs dzinowanikwa kune vanozvishandira uye vashandi venguva dzose.
• Munhu wacho ane HSA account.
• Iyo account inowana mubereko, uye haina mutero.
• Iyo account ndeyako kunyangwe ukachinja mabasa.

FSAs

• FSAs inowanikwa kuburikidza nevashandirwi, iine kana isina chirongwa chehutano.
• Muganhu wemupiro i $ 2,650.
• Iwe unogona chete shandura yako yemupiro huwandu panguva yekuvhura kunyoresa.
• FSAs vari kushandisa-iyo-kana-kurasa-iyo, zvichireva, kuti mari yasara yaenda pakupera kwegore.
• FSAs hazviwanikwe kune vanhu vanozvishandira.
• Iye mushandiridzi ane yake FSA account.
• Iyo account haiwane mubereko.
• Iwe unorasikirwa neakaunzi kana iwe ukachinja mabasa.

Chii chinomirira HRA?

Nhoroondo yekubhadhara hutano ( Mutambo ) - dzimwe nguva inonzi hurongwa hwekubhadhara mari yehutano-ndiyo nzira yekuti waunoshandira abhadhare mari yako yekubuda muhomwe nerudzi rupi zvarwo rweinishuwarenzi. Iwe haugone kuwedzera mari kwairi, chete waunoshandira anogona. Wako waunoshandira anosarudza kuti yakawanda sei yekuisa muchirongwa, uye chero mari inowanikwa pakutanga kwegore.

Iwe unogona kushandisa HRA mari nekubhadhara mari yekurapa neiyo HRA debit kadhi kana nekuendesa mari yekudzorera. HRA account dzinoshanda neFSA uye HSA account. Kazhinji mari inobhadharwa kubva kuFSA kana HSA kutanga, kozoti mari kubva kuRA inoshandiswa mutsauko.

Zvichienderana nekuti marongero akagadzirwa sei, mari dzinogona kutenderera kubva gore kusvika gore.

HRA vs HSA

Chinangwa cheRA neHSA chakafanana: kuisa parutivi mari yekubhadharira mari yehutano isina kuvharwa neinishuwarenzi. Ndipo panogumira kufanana. Kusiyana pakati peRA neHSA? Verenga runyorwa pazasi.

HRAs

• HRAs dzinogona kupihwa nechero mhando yeinishuwarenzi chirongwa.
• Iko hakuna kushoma kana kwakanyanya muganho wemupiro. Asi, mushandirwi anofanira kuwedzera zvakafanana HRA mabhenefiti kune vese vashandi vekirasi imwechete.
• Vashandirwi chete ndivo vanokwanisa kupa kuRA.
• HRA mari inowanzo dzokera kumushandirwi pakupera kwegore. Vamwe vashandirwi vanogona kubvumidza chikamu chemari kuti chiwedzere.
• HRAs hadziwanikwe kune vanozvishandira vanhu.
• Anoshandira ane yake HRA account.
• Iyo account haiwane mubereko.
• Iwe unorasikirwa neakaunzi kana iwe ukachinja mabasa.

HSAs

• HSAs ndezve vanhu chete vane zvirongwa zvehutano zvakakwirisa.
• Muganhu wemupiro uri $ 3,500 yemunhu, $ 7,000 yemhuri.
• Chero ani zvake anogona kupa kune HSAs: vanhu vamwe, vashandirwi, kana nhengo dzemhuri.
• HSA mari inotenderera kubva pagore-kusvika-gore.
• HSAs dzinowanikwa kune vanozvishandira uye vashandi venguva dzose.
• Munhu wacho ane HSA account.
• Iyo account inowana mubereko, uye haina mutero.
• Iyo account ndeyako kunyangwe ukachinja mabasa.

HRA vs HSA vs. FSA kuenzanisa

Ndichiri ndisina chokwadi chekuti ndingaudza sei maakaundi aya zvakasiyana? Tarisa kune tafura iri pazasi, kune kwavo kukuru misiyano.

	HSA	Mutambo	FSA
Iwe ndiwe muridzi weakaunzi.	+	✘	✘
Waunoshandira muridzi weakaundi.	✘	+	+
Ukasiya waunoshandira, unogona kuchengeta mari.	+	✘	✘
Iwe unoisa mari mukati.	+	✘	+
Waunoshandira chete ndiye anoisa mari mukati.	✘	+	✘
Kune miganho pane yakawanda sei iwe yaunogona kupa gore rega.	+	✘	+
Iwe unofanirwa kuve uine yakakwira-yakadhonzwa inishuwarenzi chirongwa.	+	✘	✘
Mari isingashandiswi inogara ichipfuura kubva pagore-kusvika-gore.	+	✘	✘