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Luyini uhlelo lwezempilo oludonswayo oluphezulu?

Luyini uhlelo lwezempilo oludonswayo oluphezulu?Inkampani

Ukuba nomshuwalense wezempilo kuyadingeka, kepha akuhlali kungabizi ngaso sonke isikhathi. Amaphrimiyamu wezinhlelo ezinikela ngemali ephansi ebanjwayo futhi izindleko eziphansi zokuphuma ephaketheni azinakwenzeka kwabaningi. Faka uhlelo lwezempilo oludonswayo oluphezulu. Uhlelo lwezempilo oludonswayo oluphakeme lungakongela imali futhi likuvumele uguquguquke ngaphezu kwezinhlelo zendabuko. Nakhu konke odinga ukukwazi ngaphambi kokubhalisa.





Luyini uhlelo lwezempilo oludonswayo oluphezulu?

Izinhlelo zezempilo ezikhokhelwayo eziphakeme (ama-HDHP) yizinhlelo zomshuwalense ezinokudonswa okuphezulu kunalokho ongaba nakho ngokumbozwa kwendabuko. Lokhu kusho ukuthi kufanele ukhokhele imali ethe xaxa yezinsizakalo zezempilo ephaketheni lakho ekuqaleni konyaka ngaphambi kokuba inkampani yakho yomshuwalense iqale ukwabelana ngezindleko zokunakekelwa nawe. Ngokuvamile awunayo i- ukukhokhelwa kwendabuko , noma; uzokhokha ephaketheni ngo-100% uze uhlangane nemali yakho ekhishwayo yonyaka. Okuhlukile ekuqinisekisweni kwemali ngu ukunakekelwa kokuvimbela , ehlanganiswe ngokuphelele njengoba kuchaziwe yi-Affordable Care Act (ACA). Lezi zinhlelo zingahlanganiswa ne-akhawunti yokonga yezempilo (i-HSA) ngakho izindleko ezithile zezokwelapha zingakhokhwa ngaphandle kwentela.



I-IRS ichaza izinhlelo zezempilo ezikhokhelwayo eziphezulu ku- isikali esinemininingwane eminingi : Okudonswayo uqobo kumele kube ubuncane bama- $ 1,400 kuhlelo lomuntu ngamunye noma u- $ 2,800 wohlelo lomndeni, futhi izindleko zokuphuma ephaketheni ngonyaka azikwazi ukweqa ama- $ 6,900 kumuntu oyedwa noma ku- $ 13,800 womndeni. Umkhawulo, nokho, awusebenzi uma uthola izinsizakalo ezingaphandle kwenethiwekhi.

Ama-HDHP ayathandwa, nawo-awuhlelo lwesibili oludume kakhulu ngemuva kwezinhlelo ezijwayelekile zezempilo ze-PPO. Ngokusho kwe- Ucwaningo Lwemihlomulo Yezempilo Yomqashi Ka-2019 Kaiser Family Foundation , Abantu abangama-30% abaqashiwe bakhethe ukubhalisela uhlelo lwezempilo oludonselwa phezulu olunenketho ye-HSA. Leyo nombolo ikhula kancane futhi, kuyilapho ama-PPO ajwayelekile engathandeki kangako.

Ngabe izinhlelo ze-HDHP zisebenza kanjani?

Uma unohlelo lwezempilo oludonselwa phezulu, unomshuwalense wezokwelapha ojwayelekile — umane ukhokha imali ephansi yanyanga zonke nezindleko eziphakeme ezingaphandle kwesikhwama nge amaphesenti we-coinsurance . Okomuntu ngamunye, uzokhokha u-100% wezindleko zokuvakasha kodokotela, ukuhlolwa nokwelashwa uze ufinyelele emalini yakho engadonselwa imali. Ngemuva kwalokho umshwalense wakho ukhahlela (isilinganiso noma iphesenti olikhokhayo liyahluka ngohlelo) uze ufinyelele kubukhulu bakho obuphuma ephaketheni. Uma usuhlangabezane nalokho, umshwalense ukhokhela yonke into ngokugcwele (kucatshangelwa ukuthi abahlinzeki obasebenzisayo bakunethiwekhi yakho).



Amanani we-Coinsurance angahluka kusuka ohlelweni lokuhlela, ngakho-ke qiniseka ukuthi uhlola izinto zakho zomshuwalense ukuthola isilinganiso sakho.

Uma ukhetha ukuthi i-HSA ibhangqwe nomshuwalense wakho, wena noma umqashi wakho nizonikela ku-akhawunti engasetshenziselwa ukukhokhela ezinye izindleko zezokwelapha ngaphandle kwentela. Njengomuntu ngamunye, ungafaka kuze kufike ku- $ 3,550; imindeni inganikela kuze kufike ku- $ 7,100. Abaqashi bavame ukwenza iminikelo ye-HSA ngaphezulu kweyakho, ngakho-ke ngokuvamile ngeke kudingeke uthembele eshekeni lakho kuyo yonke leyo mali-kodwa ngokuhlanganyela, umqashi nomsebenzi akakwazi ukudlula inani eliphakeme.

OKUSHIWO: Izinsizakalo zezempilo ezi-5 okufanele uzenze ngemuva kokuhlangabezana nokudonswa kwemali yakho



Ingabe ama-HDHP amboza imiyalo?

Ngoba izinhlelo zezempilo eziphakeme ezidonswayo zivame ukuza nezinzuzo ezifanayo nomshuwalense wezempilo wendabuko, imishanguzo kadokotela imbozwe nge-coinsurance ngendlela efanayo nokunakekelwa kwezokwelapha. Isibonelo, uma incwadi yakho kadokotela ibiza u- $ 10 ngezindleko ezigcwele, uzokukhokhela lokho kuze kube yilapho uhlangabezana nemali oyibambayo, bese ukhokha u- $ 2 uma umshwalense usungenile. Kodwa-ke akuhlali kunjalo, amanye ama-HDHP anenhlanganisela yezokwelapha nekhemisi kudonswa ngenkathi abanye bengakwenzi. Hlola amaphepha akho ohlelo kanye nefomula ukubona amanani ngqo wakho uqobo.

Ziyini izinzuzo zohlelo lwezempilo oludonswayo oluphezulu?

Inzuzo enkulu yohlelo lwezempilo oludonswayo oluphakeme? Yimali encane ephuma ephaketheni lakho njalo ngenyanga uma ungasebenzisi izinsizakalo zokunakekelwa kwezempilo njalo, noma nhlobo. Amaphrimiyamu angaphansi kohlelo lwezempilo lwendabuko. Futhi uma ungayi kudokotela kaningi, noma unomndeni omncane onabantu abambalwa abathembele kuwe, lokho kuyinzuzo enkulu kakhulu. Futhi, uma ufaka imali eyanele ku-HSA, uzoba nemali ebekelwe eceleni ukukhokhela noma yiziphi izindleko zezokwelapha ezingalindelekile ongazithola.

Yiziphi izinkinga?

Ukuba ne-premium ephansi kanye nokudonswa okuphezulu kungabonakala kuyinto enhle ebusweni uma ungayi kudokotela kaningi, kodwa futhi kungasebenza ngokumelene nawe, futhi. Uma uphuke imoto noma ushaywa yizinhliziyo, ngokwesibonelo, ungaya kudokotela ngaphezu kwalokho obukulindele ukuthi kutholakale nokuthi welashwe — okungukuthi, uma ungakaze uhlangane nemali yakho ebanjwayo, okungaholela ekusebenziseni imali eningi imali eningi ekuvakasheni kunendlela ongayisebenzisa ngohlelo lwezempilo lwendabuko.



Ngokuya ngokuthi ukuphatha kanjani ukunakekelwa kwakho kwezempilo, ungagcina usesimweni esibi ukwedlula indlela obekungenza ngayo. An Okthoba 2017 isifundo ku Ezempilo ikhombise ukuthi iziguli ezinezinhlelo zezempilo ezidonswayo eziphakeme zivame ukweqa ukuhlolwa okunconyiwe futhi zisebenzise igumbi lezimo eziphuthumayo ngezinto ezingeke zidinge ukuvakashelwa kwegumbi lezimo eziphuthumayo. Futhi, a Iphepha elimhlophe lika-2014 elivela eNyuvesi yaseMichigan ikhombise ukuthi iziguli ezinezinkinga ezingapheli zivame ukweqa udokotela ngokuphelele ngokwesaba ukukhokha okungaphezulu kwalokho ebingakwazi ukukukhokhela.

Uma kushiwo lokho, uma usukulungele ukukhokhela izindleko zokunakekelwa kwezempilo ezingaba khona ezengeziwe ezihambisana nezinhlelo eziphakeme zokudonselwa imali ngokukhokhela amaprimiyamu aphansi, futhi uhlose ukusebenzisa uhlelo ngendlela efanele, kungahle kungabi khona okuningi ongakhathazeka ngakho.



Ingabe i-HDHP ingcono kune-PPO?

TOUhlelo lwe-PPO- noma inhlangano enikelwayo yabahlinzeki — ingenye yezinhlobo ezijwayelekile zohlelo lomshwalense wezempilo. Njengezinhlelo zezempilo ezikhokhelwayo eziphakeme, unabahlinzeki bobabili abakwi-network nabangaphandle kwenethiwekhi. Abahlinzeki abangaphandle kwenethiwekhi babiza kakhulu ukubona. Zombili lezi zinhlelo zivame ukufaka izinto ezifanayo, kepha izinhlelo ze-PPO ngokuvamile zinamaphrimiyamu aphakeme abhangqwe ngezimali ezidonswayo eziphansi nezindleko ezingaphandle kwephakethe kunama-HDHP. Futhi, ngama-PPOs, ngokuvamile ngeke usebenzise i-HSA ngokuhlangana nomshuwalense wakho.

Isinqumo phakathi kohlelo lwe-HDHP noma lwe-PPO silele ekutheni uvakashela kangaki udokotela. I-PPO ingaba ngcono kakhulu uma ukhululekile ukukhokha phambili ngaphezulu futhi uhlela ukuvakashela udokotela njalo. Isibonelo, izimo ezingalapheki ngokuvamile zidinga ukuvakashelwa odokotela njalo. Uma ukhetha ukubeka imali eningi inyanga nenyanga futhi ungalindeli izingqinamba zezempilo, i-HDHP ingaba ngcono.



Ingabe kufanele ngithole i-HSA?

I-akhawunti yokonga yezempilo ikunikeza umfutho omncane wezezimali uma uyisebenzisa ngokubambisana ne-HDHP. Nakhu ukuthi kusebenza kanjani. Njalo ngenyanga, ukukhishwa kwemali ekhokhwayo kufaka imali ku-HSA yakho. Uma unecebo lomshuwalense ngomsebenzi, kungenzeka ukuthi umqashi wakho angafaka isandla naku-HSA.

Imali ye-HSA iyatholakala ukuthi uyisebenzise njengekhadi lasebhange noma amasheke. Lapho ukhokhela izindleko zokwelashwa ezifanelekayo —Njengokudonswayo, ama-copayi, umsebenzi wamazinyo, izingilazi, ukukhishwa kwesikhumba, imishanguzo, noma imishanguzo yokuthenga ekhawunteni — ukwenza kanjalo ngekhadi noma amasheke.



Kubalulekile ukwazi ukuthi ngokuvamile awukwazi ukukhokhela ama-premium nge-HSA yakho, noma kwezinye izimo, ama-premium e-COBRA nomshuwalense wezokwelapha okhokhelwe ngenkathi ungasebenzi ingabuyiselwa ngokusebenzisa i-akhawunti. Ekupheleni konyaka wekhalenda, noma iyiphi ibhalansi etholakalayo onayo ku-akhawunti idlulela onyakeni olandelayo.

Ukufaneleka kwe-HSA

Ngeshwa, akuwona wonke umuntu onjalo kufanelekile ye-HSA. Udinga ukuba nohlelo lwezempilo oludingekayo oluphakeme olufanele njengoba kuchaziwe imihlahlandlela ye-IRS engenhla. Uma umqashi wakho enganikeli nge-HSA, ungayithola enkampanini yangasese — kepha noma kunjalo ngohlelo olufanelekile lomshuwalense wezempilo. Khumbula ukuthi akuwona wonke ama-HDHP afanelekela i-HSA. Uma uneminyaka engaphezu kwengama-65 naku-Medicare, awukwazi ukuvula i-HSA. Awukwazi futhi ukunikela kokusevele unakho.

Izinzuzo ze-HSA

Kunezinzuzo ezimbalwa zokuba ne-HSA ngaphandle kokuthola ukuthenga kwangaphambi kwentela. Awukhokhi intela ku-akhawunti noma kuzindleko ezifanele i-HSA. Ukunikela ngqo kusuka emholweni wakho wokukhokha kukuvumela ukuthi ukhokhiswe intela njengokuthi wenza imali encane (umholo wakho ususe inani olikhiphile ngonyaka). Futhi, ungatshala imali ku-HSA yakho kunokuba uyisebenzise ezindlekweni zezokwelapha.

Ububi be-HSA

Uma uthola i-HSA, kunokunye ukwehla okungahle kube khona okufanele ukwazi. Uhulumeni uneziqondiso zokuthi unganikela kangakanani ku-HSA. Ngokusho kwe- izinombolo zakamuva kusuka ku-IRS, abantu ngabanye bangafaka kuphela kufika ku- $ 3,550. Imindeni ikwazi kuphela ukunikela kuze kufike ku- $ 7,100. Ngenhlanhla lezo zimali zingaphezu kokuphindwe kabili kokudonswayo okuncane okubekiwe. Uma ngabe ugcine imali eyanele, ungakhokha zonke lezo zindleko uze uhlangane nazo.

Okunye okungahambi kahle ku-HSA ukuthi kungenxa yezindleko zokwelashwa kuphela. Awukwazi ukusebenzisa leyo mali kunoma yikuphi ukuthenga okungafaneleki, noma kungenjalo uzoba nesibopho sokukhokha intela yemali kuyo. Uma ungaphansi kweminyaka engama-65 futhi usebenzise imali ngezindleko ezingezona ezokwelapha, uzokhokha inhlawulo ngaphezulu kwentela yemali engenayo. Kodwa-ke, uma uneminyaka engaphezu kwengama-65, ungasebenzisa imali nganoma yini futhi ukhokhiswe intela ngokufana nokudonsa ku-IRA. Ngakho-ke qiniseka ukuthi wonga futhi usebenzise leyo mali ngokuhlakanipha.

OKUSHIWO: I-HSA vs. I-FSA vs. HRA

I-SingleCare ingasiza kanjani

Kungenzeka ukuthi ukhokhe izindleko eziphakeme ngemiyalo uze ushaye imali yakho ekhishwayo, ngakho-ke kuwukuhlakanipha ukuthenga indawo. Ezimweni eziningi, uzothola ukuthi ukusebenzisa isigqebhezana se-SingleCare kungakusindisa ngaphezu kokukhokha isilinganiso se-coinsurance. Uma usebenzisa i-SingleCare noma amanye amakhadi esaphulelo, lelo nani ngeke lisebenze kokudonswayo kwakho. Kodwa-ke, kuzokongela imali ngokushesha. Qala ukusesha imiyalo yakho ku-singlecare.com manje.