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Bird Watching Tips for Beginners

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Get your thrills at the Zipline Safari at the Wilds

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How to Stay Healthy While Traveling

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Comparable Contributions Are Contributions To All Hsas Of An Employer

Majikan mungkin kontribusi rencana yang dipertimbangkan memiliki pengurangan gaji, untuk membuat dikenal sebagai § 125 rencana. Hal ini juga disebut rencana kafetaria. The dibuat berdasarkan kontribusi rencana kafetaria yang dibuat atas dasar sebelum pajak, yaitu mereka dikecualikan dari pendapatan karyawan. Majikan harus membuat kontribusi atas dasar yang sebanding. Kontribusi Sebanding adalah kontribusi untuk semua HSA dari majikan yang 1) jumlah yang sama atau 2) persentase yang sama dikurangkan tahunan. Namun, pekerja paruh waktu yang bekerja kurang dari 30 jam per minggu dapat diobati secara terpisah. Majikan juga dapat mengkategorikan karyawan menjadi orang-orang yang memilih hanya untuk diri mereka sendiri dan menutupi mereka yang memilih untuk asuransi keluarga. Majikan dapat secara otomatis Kontribusi ke ASM atas nama karyawan, kecuali karyawan tegas untuk tidak memiliki kontribusi tersebut oleh majikan.

HSA akan membuat karyawan yang dimiliki dan ia / dia bisa biaya yang memenuhi syarat, setiap kali diperlukan. Dia / Dia juga memutuskan berapa banyak untuk berkontribusi, berapa banyak untuk menjaga biaya yang memenuhi syarat, pernyataan perusahaan dan jenis investasi akan tumbuh untuk membatalkan account. Fitur lainnya adalah bahwa dana tetap dalam account dan peran lebih dari tahun ke tahun. Tidak ada gunanya atau memerintah kalah. Para peserta HSA tidak perlu mendapatkan persetujuan terlebih dahulu dari mereka wali HSA atau asuransi medis mereka untuk menarik dana, dan dana tidak dikenakan pajak penghasilan jika dibuat untuk "biaya medis yang memenuhi syarat". Biaya pengobatan Berkualitas termasuk biaya layanan dan produk yang tercakup oleh rencana kesehatan, tetapi tunduk pada dikurangkan dan coinsurance sharing atau co-pembayaran, serta banyak biaya lain yang tidak tercakup dalam rencana biaya perawatan medis, seperti gigi, visi dan perawatan chiropractic; peralatan medis tahan lama seperti kacamata dan alat bantu dengar; dan biaya transportasi untuk perawatan medis. Non-resep, over-the-counter obat juga berhak. Namun, biaya medis yang berkualitas, yang didirikan pada atau setelah HSA harus dikeluarkan.

Distribusi bebas pajak dapat dari HSA untuk biaya medis yang berkualitas dari orang dari HDHP, pasangan (jika tidak tertutup) dari individu dan setiap dependen (bahkan jika tidak tercakup) dapat diambil ditutupi individual.12 The akun HSA juga digunakan untuk membayar biaya yang memenuhi syarat tahun sebelumnya di bawah kondisi bahwa biaya tersebut dikeluarkan setelah HSA didirikan. Individu memiliki tanda terima untuk biaya dari HSA bertemu untuk melestarikan, karena mereka akan diminta untuk menunjukkan bahwa penarikan dari HSA dibuat untuk biaya medis yang berkualitas dan bukan sebaliknya digunakan. Individu yang menghasilkan pendapatan sebelum perusahaan asuransi untuk membuktikan bahwa batas dikurangkan telah tercapai. Jika penarikan untuk biaya medis yang tidak memenuhi syarat, akan memberikan jumlah yang akan dipotong sebagai pajak (ditambahkan ke pendapatan individu) dan juga tersedia dengan hukuman 10 persen tambahan. Biasanya, uang tersebut akan digunakan untuk pembayaran premi asuransi kesehatan. Namun, dalam kondisi tertentu pengecualian diperbolehkan.