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Ungalahlekelwa yimali yakho ye-FSA

Ungalahlekelwa yimali yakho ye-FSAImfundo Yezempilo

Ingabe unayo i-akhawunti yemali eguquguqukayo, ebizwa nangokuthi uhlelo lokusebenzisa imali oluguquguqukayo (FSA), ngokusebenzisa umqashi wakho? Uma kunjalo, uyazi ukuthi ziyindlela enhle yokukusiza usebenzise imali encane ekunakekelweni kwezempilo. Kepha bakongela imali kuphela uma usebenzisa konke okuku-akhawunti ngaphambi komnqamulajuqu, okuvame ukuphela konyaka wekhalenda.





Okwe-2019, i- Umkhawulo we-IRS weminikelo yonyaka ye-FSA wawungu- $ 2,700 , ukukhushulwa okungama- $ 50 ngaphezu kuka-2018. Futhi, esikhathini esiningi, leyo mali iyayisebenzisa noma ilahlekelwe yiyo. Noma ngabe yini onikele ngayo ku-akhawunti yakho kulo nyaka, isikhathi sakho sokuyisebenzisa cishe sesiphelile.



Ungahle ube negumbi elincane lokuzulazula. Bangu amacala amabili lapho ungathola khona isikhathi esithe xaxa sokusebenzisa imali yakho ye-FSA :

  • Inketho yokudlulisa: Kuma-akhawunti lapho abasebenzi benenketho yokudlulisa, ungakhuphukela ku- $ 500 kusuka emalini yalo nyaka uye kubhalansi yonyaka ozayo.
  • Inketho yesikhathi somusa: Uma umqashi wakho ekhethe inketho yesikhathi somusa, ungahle ube nezinyanga ezimbili nengxenye ezengeziwe zokusebenzisa yonke ibhalansi ye-akhawunti yakho. Imvamisa, isikhathi somusa siphela ngoMashi 15 wonyaka olandelayo.

Noma kunjalo, uvunyelwe kuphela okukodwa kwalezi zinketho, futhi kukhethwe umqashi wakho ngaphambi kwesikhathi. Buza nomnyango wakho wezabasebenzi ukuthola ukuthi iyiphi inketho onayo ye-akhawunti yakho.

Isetshenziswa kanjani imali ye-FSA

Kungakhathaliseki ukuthi iyiphi inketho onayo ku-akhawunti yakho ye-FSA, kuzodingeka usebenzise yonke imali yakho esele ngaphambi komnqamulajuqu othile. Futhi njengoba leso sikhathi esinqunyiwe sisondela, singene nabanye ochwepheshe bezokwelapha ukuthola izeluleko zabo ngalokho ongafuna ukukugcina uma unemali ye-FSA okudingeka uyisebenzise. Ukuma kwakho kokuqala kufayela le- Isitolo se-FSA , lapho ungasesha futhi uthenge noma iziphi izinto ezifanelekile. Okulandelayo, zama lezi zinketho…



1. Ukunakekelwa kwamazinyo

Sonke siyazi ukuthi ukunakekelwa kwamazinyo ne-orthodontic kungabiza kakhulu, ikakhulukazi uma ungomunye wokuningi kunalokho AbaseMelika abayizigidi ezingama-74 abangenawo umshuwalense wamazinyo . Uma unemali ye-FSA okufanele isetshenziswe, kungani ungatshali imali ekumoyizeleni kwakho?

Kubantu abanemali ye-FSA abangayisebenzisa futhi abanezinkinga zamazinyo njengokukhokha ngokweqile

noma amazinyo agwegwile, i-akhawunti eguquguqukayo yokusebenzisa imali ingakhokhela izindleko zokwelashwa kwamazinyo, kusho UJacqueline Fulop-Goodling , I-DMD, i-PC, udokotela wamazinyo eNew York City. Ezinye izindlela zokwelapha zifaka ukuqondanisa okucacile okungabonakali kwe-Invisalign, i-ceramic, izinsimbi zensimbi, nama-orthodontics asheshayo.



Imikhiqizo yokunakekelwa kwamazinyo iyatholakala ku- Isitolo se-FSA faka:

  • Onogada bamazinyo nonogada basebusuku
  • Isihlanza samazinyo
  • Amazinyo okufakelwa nensini

2. Ukudambisa ubuhlungu bemvelo

Ngoba ukuphathwa kobuhlungu ngaphandle kwama-opioid kubalulekile, futhi ingxenye eyodwa kwezintathu zabantu iyoba nobuhlungu obungapheli noma idinge ukuhlinzwa ngesikhathi esithile ezimpilweni zabo, itshale imali manje ekunciphiseni izinhlungu ngaphandle kwezidakamizwa, kusho uDkt Amy Baxter, umcwaningi we-NIH nokuphathwa kwezingane nobuhlungu onguchwepheshe ku- Amalebhu Okunakekela Izinhlungu e-Atlanta, eGeorgia. Awufuni ukuyozingela lapho ubuhlungu noma ukulimala kugadla-futhi kungenzeka ukuthi uzobadinga kwikhabethe lakho lemithi ngesikhathi esithile.

Utusa umkhiqizo awusungulile, i- I-Buzzy Mini Shot Blocker , etholakala kusiza se-FSA ngaphandle kwemithi kadokotela. Kuyinto ephethwe ngesandla ehlanganisa amakhaza ashubisa umnkantsha kanye nemigwaqo yokwelapha ukuqeda ubuhlungu benaliti nokukhathazeka.



Eminye imikhiqizo yokuphathwa kobuhlungu engenazidakamizwa etholakala ku- Isitolo se-FSA faka:

  • Amaphakethe abandayo nezikhwama zeqhwa
  • Amaphakethe okushisa
  • Omata be-Acupressure
  • Imikhiqizo yokwelashwa ekhanyayo ye-LED
  • Amayunithi we-Transcutaneous electrical nerve stimulation (TENS) namaphayiphu angeziwe
  • Amashidi okusiza imfiva ebandayo
  • Ukwelashwa ngamabhola

3. Qalisa kabusha ikhabethe lakho lemithi

Ngaphambi kokuphela konyaka, qiniseka ukuthola ukugcwaliswa kokugcina kwanoma imiphi imiyalo efanelekile ukugcwaliswa — ngaleyo ndlela ungakhokha izindleko ngezimali zakho ze-FSA. Noma ungenazo izinkinga zempilo zamanje, akunakulimaza ukuba neminye yale mikhiqizo kwikhabethe lakho lemithi, uma kwenzeka kuvela isidingo esizayo:



  • AmaBandaid
  • Iteyipu yezokwelapha
  • Amafutha endebe
  • Amakhithi osizo lokuqala
  • Ace amabhandeshi
  • Amadolo, isihlakala, noma ama-ankle brace
  • Isikrini selanga
  • Ama-humidifiers
  • Ama-thermometer
  • Ukudambisa izinhlungu zasesitolo, njenge UTylenol , I-Advil , futhi UMotrin
  • I-saline nasal spray
  • Imithi yokungezwani komzimba, efana I-Zyrtec , UClaritin , I-Allegra , futhiUBenadryl

Manje phuma lapho, bese usebenzisa imali yakho ye-FSA kungakephuzi kakhulu. Uma udinga iziphakamiso eziningi, vakashela Isitolo se-FSA bese usesha ngezinto zabo ezitholakalayo. Nakhu impilo yakho!