Doorashada HSA ee ugu fiican
Waxaa jira boqolaal ka mid ah HSA-yadaas, fahamka sida loo helo midka ugu wanaagsan ee xaaladahaaga hadda jira waa fure u ah helitaanka midka ugu wanaagsan. Waxyaabo badan ayaa soo bandhigi doona ciyaaro, oo ay ku jiraan qodobbada 7 ee muhiimka ah ee hoos ku xusan sida aad u aqoonsan karto HSA ugu fiican, ama samee ikhtiyaarka u dhexeeya dhowr qof haddii ay dhibaato kaa haysato go'aan.
Sida Loo Helo Koontada Kaydka Caafimaadka ee ugu Wanaagsan
Waxaa jira dhowr arrimood oo ay tahay inaad tixgeliso markaad dooratid HSA:
- Sidee u sahlan in la maareeyo loona eego Koontadaada Kaydka Caafimaadka. Koontadu ma ku siinaysaa kaarka deynta?
- Sidee ayaad u isticmaali doontaa lacagta. Sida iska cad, fikradku waa inaad u isticmaashid lacagta xisaabta keydka caafimaadka ee kharashka daryeelka caafimaadka / kharashka caafimaadka , laakiin qadarka aad filayso inaad isticmaasho sanad walba, iyo qaabka aad kharashka u saadaalisay ayaa muhiim u ah qaar ka mid ah arrimahan kale.
- Fursadaha Maal-gashiga: Miyaad 100% boqolkiiba ku bixin kartaa lacagtaada ama qeyb ka mid ah?
- Shuruudaha Balansiga Ugu Yar
- Khidmadaha: Fiiri khidmadda bil kasta, khidmadda dejinta, kharashka xiritaanka, iyo kharashka dayactirka bil kasta
- Heerarka Lacagta
- U qalmida
Laba Tixgelin oo Muhiim ah oo Lagu Sameeyo Koontada Kaydka Caafimaadka ee ugu Wanaagsan
Liiska kor ku qoran wuxuu ku siinayaa aragti guud oo ku saabsan waxyaabaha muhiimka ah ee aad rabto inaad eegto haddii aad rabto HSA ugu fiican, laakiin waxa ugu muhiimsan ee aad ku tilmaami karto jihada saxda ah waa inaad go'aamiso:
- Miyaad isticmaali doontaa HSA-gaaga kaydka?
- Miyuu HSA-gaagu ugu horreynba u isticmaali doonaa kharashka?
Isbarbardhig bixiyeyaasha ugu weyn ee HSA
Shirkadaha sida Morningstar waxay bixiyaan aragti qaali ah warbixinta ugu wacan ee HSA ee warbixinta sanadlaha ah. Waxaanu ku qeexnay xulashadooda xisaabta HSA ugu sareeya ee hoos ku qoran. Sababtoo ah waxaa jira boqollaal ka mid ah HSA-yada si ay u doortaan, kuwa ugu sareeya ee HSA waxay ku saleysan yihiin qiimeynta 10ka shirkadaha waaweyn ee HSA.
- Alliance Credit Union
- Bank of America
- BenefitWallet
- Maamulayaasha HealthSavings
- HealthEquity
- Bankiga HSA
- Bankiga Hawlgabka
- SelectAccount
- Hay'ada HSA
- Bankiga UMB
Xaqiijinta HSA ee ugu Sarreeya Kharashka
Caadi ahaan dadka raadinaya HSA-yada oo u fiicnaanaya kharashka waxay raadinayaan inay isticmaalaan HSA-da sida koontada caadiga ah ee bangiga si ay u bixiyaan biilasha caafimaadka. Sidaa darteed, qiimaha dulsaarka lagu bixiyo "keydinta" ma noqon doonto istiraatiijiyad isdaba joog ah si aad u ogaato naftaada HSA ugu fiican.
Muuqaalkan, waxaad ubaahan doontaa HSA in uu hoos u dhigo khidmad xisaabeed bishiiba , wuxuu u shaqeeyaa sida xisaab foojignaan ah waxaana ugu fiican inaad u isticmaasho kaadhka deynta si aad u bixiso biilasha caafimaadkaaga.
Meelaha aad ka filaneyso in lagu hayo miisaan gaar ah, ka dibna xisaab bayaan ah oo bixiya lacag dhaaf ah markaad ku hayso dheelitirka ugu yar ayaa kuu shaqayn karta.
Sida laga soo xigtay Morningstar ee Warbixinta Qorshaha Caymiska Caafimaadka ee 2017 , kuwan soo socda ayaa ahaa kuwa ugu sareeya ee HSA oo bixiya xisaabaadyo kharash ah oo kharashka ku baxa oo aan lahayn khidmo xisaabeed bishii .
- Alliance Credit Union
- Hay'ada HSA
- SelectAccount Qalabka FreeSaver
Goorma "Ma Daahdo" HSA Fikrad wanaagsan?
Doorashada HSA ee kharashka ku baxaya , laakiin aad diiradda saareyso xiisahaaga ayaa kugu kici kara lacag badan. Haddii HSA-gaaga uusan ku jirin balansi aad u sarreeya, markaas saameynta dulsaarka dulsaarka ayaa loola jeedaa khidmaddaada billaha ah waxaana laga yaabaa inay kugu kacdo wax badan.
Tusaale ahaan haddii aad haysato $ 2,000 oo bangiga ah, waxaadna bixisaa $ 54 sanadle ah khidmadaha "xiisaha" laakiin waxaad kaliya ku sameyneysaa $ 2 dulsaarkaaga dhererka sanad kadib, markaa dhab ahaantii way kaa luntay $ 52 xisaabtaas Danta aan lahayn, koontada qarashka ah, meesha aad ugu yaraan heli lahayd lacagtaada oo dhan.
Ka hor inta aanad dooran koontada ku saleysan dulsaarka dulsaarka, weydii arrimaha ku saabsan kuwan oo kale.
Maamulaha Kaydka Caafimaadka ($ 3.75 / Bixinta khidmadda xisaabaadka - iyada oo aan laga dhaafin lacag bixinta) iyo Bank of America ($ 4.50 / lacagta bilaashka ah - iyada oo aan laga dhaafin lacag bixinta) ayaa "guud ahaan laguma talineynin xisaabiyeyaasha kuwaas oo doonaya inay isticmaalaan HSA-yadooda oo kaliya sida baabuurta kharashka ah" by Morningstar ee warbixinta.
HSA ee ugu fiican kaydka iyo maalgashiyada
HSA ee ugu sarreeya ee kaydsan ee Morningstar wuxuu ahaa Caafimaadka Sinnaanta , waxay ahayd mid ka mid ah xisaabaha HSA oo si fiican uga faa'iidaystay dhammaan meelaha: Muuqaalka Design, Quality Investment, Price, and Performance.
Iyadoo la isticmaalayo shuruudo isku mid ah xisaabaadka sare ee HSA ee ku xiga, ayaa si fiican uqaybgaleya 3 ka mid ah 4 qaybood, waxay ahaayeen:
- Bank of America
- Hay'ada HSA
- Bankiga Hawlgabka
Isbarbardhigidda liistadaan liiska HSA ee ugu sareeysa ee kaydka ayaa muujinaya habka aad u rabto inaad u isticmaasho isbeddelada xisaabta ee HSA ugu fiican.
HSA waxaa loo isticmaalaa maalgashiyada iyo keydinta waxay ku siin doontaa fursado maalgashi. Hase yeeshee, dadka qaarkiis waxay u maleynayaan in midka ugu badan ee la dooran karo uu yahay kan ugu fiican, hase yeeshee, ikhtiyaarrooyin badan ayaa laga yaabaa inay jahawareeraan, Waxaa muhiim ah in sidoo kale lagu qiimeeyo naftaada sida fudud ee fursadaha macaamiisha maalgelinta ay kuu noqon doonaan inaad fahamto oo aad ku socoto.
Sidee HSA Ugu Fiican U Qalmaa Qiimaha Dollar
HSA markii loo isticmaalay sidii loo qorsheeyay, waxay bixisaa faa'iidooyin badan oo canshuur ka badan 401K ee, IRA dhaqameed, Roth IRA ama 529. HSA wanaagsan ayaa ku siin doona awoodda ugu badan ee kharashka ku baxa. HSA waxay ku siinaysaa fursad aad ku keydiso, kaydiso oo aad isticmaasho canshuur-la'aan, taas oo kordhisa awoodda iibsiga ee dollarkaaga. Markaad isticmaasho HSA-gaaga maal-gashiga iyo kaydka , waxaad haysataa fursad aad ku korin karto canshuurtaada lacag la'aan ah.