Kaydintu waxay xisaabinaysaa kharashyada daryeelka caafimaadka

Maaddaama caymiska caafimaadku isbeddelayo, kharashyada jeebka ayaa sii kordhaya. Xisaabaadka gaarka ah ee keydinta, waxaad u goglan kartaa lacag canshuur dhaaf ah kharashyadaada daryeelka caafimaadka. Tan macnaheedu waa inaadan bixin doonin wax canshuur ah ama canshuur laga dhimayo lacagta kujirta akoonada.

Fursadaha soo socda ayaa laguu heli karaa:

• Xisaabta Keydadka Caafimaadka (HSA)
• Xisaabta keydka caafimaadka (MSA)
• Diyaarsanaanta Kharashka Dabacsan (FSA)
• Qorshaynta Bixinta Caafimaadka (HRA)

Loo-shaqeeyahaagu wuxuu ku siin karaa xulashooyinkan, qaarkoodna keligaa ayaa lagu dejin karaa. Dad badan ayaa isticmaala koontoyinkan sanad walba.

Xisaabaadyadan waxaa oggolaaday ama nidaamiyay Adeegga Dakhliga Gudaha (IRS). Xisaabaadka ayaa ku kala duwan ku saleysan inta lacag ee aad keydin karto iyo sida loo isticmaalo lacagaha.

HSA waa xisaab bangi aad u isticmaasho inaad lacag ugu keydiso kharashaadka caafimaadka. Qaddarka aad qarka u saari karto wuu is beddelaa sannad illaa sannad. Shaqo-bixiyeyaasha qaarkood waxay lacag ku biiriyaan HSA-kaaga sidoo kale. Waad ku hayn kartaa lacagta akoonka ilaa intaad rabto. 2018, xaddiga tabarucaadu wuxuu ahaa $ 3,450 qof keliya.

Bangi ama shirkad caymis ayaa badanaa lacagta kuu haysa. Waxaa loogu yeeraa ammaano hayaasha HSA. Loo-shaqeeyahaagu waxaa laga yaabaa inuu kuu hayo macluumaad iyaga ku saabsan. Haddii loo-shaqeeyahaagu maamulo koontada, waxaa laga yaabaa inaad awoodo inaad ku darto doolar canshuurta ka hor canshuurta. Haddii aad adigu mid furato, waad iska goyn kartaa kharashaadka markii aad xareynayso canshuurahaaga.

HSA-yada waxaad ku sameyn kartaa:

• Sheeg canshuur dhimista keydka
• Hano dulsaar canshuur la'aan ah
• Jooji kharashyada caafimaad ee aqoonta leh ee aad bixiso
• HSA ku wareeji shaqo-bixiye cusub ama naftaada haddii aad shaqada beddelayso

Sidoo kale, waad ku wareejin kartaa lacag aan la isticmaalin illaa sannadka soo socda. Ka dib da'da 65 sano, waxaad ka qaadan kartaa keydkaaga HSA kharashyada aan caafimaadka ahayn, iyadoon lagugu ciqaabin.

Dadka ku jira qorshooyinka caafimaadka ee laga jari karo (HDHP) waxay xaq u leeyihiin HSA. HDHPs waxay leeyihiin goos goosyo ka badan qorshooyinka kale. Si loo tixgeliyo HDHP, qorshahaaga waa inuu lahaadaa goosgoosyo la kulmaya qaddar doollar oo cayiman. Sanadka 2020, lacagtaan waxay ka badan tahay $ 3,550 qof kali ah. Qaddarku wuu isbeddelaa sannad kasta.

MSAs waa xisaabaad aad u eg HSAs. Si kastaba ha noqotee, MSA-yada waxaa loogu talagalay dadka iyagu iskood u shaqeysta iyo kuwa ka shaqeeya ganacsiyada yaryar (in ka yar 50 shaqaale ah), iyo xaasaskooda. Inta aad goyn karto waxay kuxirantahay dakhligaaga sanadlaha ah iyo qorshahaaga caafimaad ee lagaa goynayo.

Medicare sidoo kale waxay leedahay qorshe MSA.

Sida HSA oo kale, bangiga ama shirkadda caymiska ayaa haya keydadka.Laakiin MSAs, ama adiga ama loo shaqeeyahaagu lacag baad ku shubi kartaa koontada, laakiin labadoodaba isku sannad maahan.

Adeegyada MSAs, waxaad ku sameyn kartaa:

• Sheeg canshuur dhimista keydka
• Hano dulsaar canshuur la'aan ah
• Jooji kharashyada caafimaad ee aqoonta leh ee aad bixiso
• U wareeji MSA shaqo-bixiye cusub ama naftaada haddii aad shaqada beddelayso

FSA waa xisaabta keydka canshuuraha kahor canshuurta uu bixiyo loo shaqeeye nooc kasta oo qorshe caafimaad ah. Waxaad u isticmaali kartaa lacagta in laguugu soo celiyo kharashyada caafimaad. Shaqsiyaadka iskood u shaqeysta ma heli karaan FSA.

FSA, waxaad ku raacsan tahay in loo shaqeeyahaagu qayb ka mid ah mushaharkaaga ka hor cashuuraha ku shubo koonto. Loo-shaqeeyahaagu sidoo kale wuu ku darsan karaa koontada, kamana mid aha dakhligaaga guud.

Uma baahnid inaad fayl garayso dukumiintiyada canshuurta ee FSA-gaaga. Markaad lacag ka saarto koontada kharashyada caafimaad ee u qalma, waa cashuur la'aan. Sida khadka amaahda, waad isticmaali kartaa koontada ka hor intaadan lacag dhigin koontada.

Lacag kasta oo aan la isticmaalin dib ugama laabaneyso sanadka soo socda. Marka waxaad waayi doontaa wax lacag ah oo aad geliso koontada haddii aadan isticmaalin dhamaadka sanadka. Sidoo kale ma qaadan kartid FSA haddii aad shaqada bedesho.

HRA waa qorshe fudud oo uu bixiyo loo shaqeeye nooc kasta oo qorshe caafimaad ah. Uma baahna xisaab bangi oo gaar ah iyo ka warbixinta canshuurta. Ma jirto wax faa'iido cashuur ah oo noocan ah koontada.

Loo-shaqeeyahaagu wuxuu maalgeliyaa qaddarka ay doorteen wuxuuna dejiyaa astaamaha nidaamka. Cida aad u shaqayso ayaa go aan ka gaadha kharashyada caafimaad ee jeebkaaga ka soo baxa ee u qalma waxayna ku siinaysaa lacag celin kharashaadkaas markaad adeegsanayso daryeelka caafimaadka. HRAs ayaa loo diyaarin karaa nooc kasta oo qorshe caafimaad ah.

Hadaad shaqooyinka badasho, lacagaha HRA kulama socdaan. Halka HSAs ay kugu lifaaqan yihiin, HRAs waxay kuxirantahay loo shaqeeyaha.

Xisaabaadka keydka caafimaadka; Xisaabaadka la beddeli karo; Xisaabaadka keydinta caafimaadka; Qabanqaabada lacag celinta; HSA; MSA; Qaansada MSA; FSA; HRA

Waaxda Hanti-dhowrka - Adeegga Dakhliga Gudaha. Xisaabaadka keydka caafimaadka iyo qorshooyinka kale ee caafimaad ee ay canshuurtu ka heshay. www.irs.gov/pub/irs-pdf/p969.pdf. La cusbooneysiiyay Sebtember 23, 2020. Waxaa la helay Oktoobar 28, 2020.

Websaytka HealthCare.gov. Xisaabta keydka caafimaadka (HSA). www.healthcare.gov/glossary/health-savings-account-hsa. www.healthcare.gov/glossary/health-savings-account-hsa. La helay Oktoobar 28, 2020.

Websaytka HealthCare.gov. Isticmaalidda Xisaab-beddelka Kharash-Bixinta (FSA). www.healthcare.gov/have-job-based-coverage/flexible-spending-accounts. La helay Oktoobar 29, 2020.

Websaydhka Medicare.gov. Qorshayaasha keydka caafimaadka ee Medicare (MSA). www.medicare.gov/sign-up-change-plans/types-of-medicare-health-plans/medicare-medical-savings-account-msa-plans. La helay Oktoobar 29, 2020.

Websaytka HealthCare.gov. Qorshaynta Bixinta Caafimaadka (HRA). www.healthcare.gov/glossary/health-reimbursement-account-hra. La helay Oktoobar 29, 2020.

• Caymiska Caafimaadka