Ka Whai Wāhi Te Inihua ki ngā Ratonga Hauora Ataata?
Ko te nuinga o ngā mahere inihua hauora motuhake ka hipoki i ētahi ratonga hauora ataata, engari ka rereke ngā taipitopito i ia mahere. Ka whakawhirinaki pea tō hipoki ki te momo toro atu, ki te kaiwhakarato e whakamahia ana e koe, ki te noho kē tērā kaiwhakarato i roto i te whatunga, me te mea kua tutuki i a koe tō tango hoki.
Ka taea tonu e koe te utu he utu tahi, he tahi-inihua, he tango hoki, ahakoa ka hipokina te hauora ataata. Ētahi mahere ka whai tikanga rerekē hoki mō te manaaki tere ipurangi, ngā toro atu ki te rata matua, ngā ratonga hauora hinengaro, me ngā whakaritenga mō te tohunga.
He tikanga motuhake ā Medicare me Medicaid mō ngā ratonga hauora ataata. Ka taea e te hipoki a Medicare te huri i runga i te kaupapa here a te kawanatanga me te momo ratonga, i te mea ka rereke te hipoki hauora ataata a Medicaid i ia kawanatanga. Ka taea e koe te tirotiro i ngā pārongo hipoki hauora ataata a Medicare o nāianei me ngā tikanga Medicaid a tō kawanatanga i mua i te whakarite kia toro atu.
Me Pēhea Mai te Tukunga Kāore te Inihua e Hipoki i ngā Ratonga Hauora Ataata?
Ka taea tonu e koe te utu mō tētahi toro atu hauora ataata māu ake. E mōhiotia ana tēnei ko te utu moni, te manaaki-whaiaro rānei. Ka whakawhirinaki te utu ki te kaiwhakarato, te momo toro atu, me te mea e hiahia ana koe ki tētahi mea atu i te korero, pērā i te rongoā, te whakamātautau taiwhanga rānei.
I mua i te whakarite, tirohia mehemea ka hipoki te utu kua whakapuakihia i te toro atu ake, mehemea rānei ka puta he utu anō. Kāore he utu toro atu iti te tikanga kāore e iti te tapeke utu mō te manaaki ki te utu motuhake ngā rongoā, taiwhanga, me etahi atu ratonga.
Me manaaki koe kāore e puta ki te raruraru o te pire inihua uaua? Whakarite kia toro atu ki tētahi toro atu manaaki tere ipurangi mō te $39 me August AI. Ka taea e tētahi rata kua raihanatia i te US te tirotiro i ō tohu, ka tohutohu hoki i te wā e tika ana i te taha rongoā, me te kaha o te rongoā kia tangohia i te taua rā puta noa i ngā kawanatanga 50. Kāore te toro atu e whakarite rongoā. Ko te manaaki tere ipurangi a August he ratonga utu takatika, kāore hoki e pirehia ki a Medicare, ki te inihua motuhake rānei. Ko te manaaki tonu mō ngā mate mau tonu me ngā tohutohu a ngā tohunga ka pai ake te whakahaere e tō rata matua, e tō tohunga rānei.
Ka taea e Koe te Whakamahi i te HSA, i te FSA rānei hei utu mō ngā Ratonga Hauora Ataata?
Ka taea te whakamahi i ngā moni HSA me FSA mō ngā whakapaunga hauora whai mana, tae atu ki ētahi ratonga hauora ataata. Heoi, kāore te meka e tukuna ana tētahi ratonga i te ipurangi e tikanga ana ka tika katoa ngā utu hauora ataata. Tirohia ngā tikanga o tō mahere me ngā whakaritenga a te IRS mō te whakapaunga motuhake.
HSA me FSA: He aha te rerekētanga?
| HSA | FSA |
|---|---|
| E wātea ana i te nuinga o te wā me tētahi mahere hauora utu-nui e tika ana mō te HSA. | Ka tukuna i te nuinga o te wā mā roto i te mahere painga a te kaituku mahi. |
| Ka huripoki ngā moni kāore i whakamahia mai i te tau ki te tau. | Ko ngā moni e whai ana i ngā tikanga o te tau mahere, ahakoa ka tukua e ētahi kaituku mahi te huripokitanga iti, te wā atā noa rānei. |
| Ka noho tonu te kaute ki a koe ki te huri koe i te kaituku mahi. | Ko te kaute e honoa ana i te nuinga o te wā ki te mahere painga a tō kaituku mahi. |
| Ka taea te whakamahi mō ngā whakapaunga hauora whai mana. | Ka taea te whakamahi mō ngā whakapaunga hauora e tika ana i raro i te mahere me ngā tikanga a te IRS. |
E whakamārama ana te IRS i ngā tikanga mō ngā whakapaunga hauora me ngā niho i roto i te Putanga 969. Ki te kāore koe e mōhio ana mehemea ka tika tētahi utu hauora ataata, tirohia tō kaiwhakahaere HSA, FSA rānei i mua i te whakamahi i te kaute.
Me Pēhea te Tirotiro mehemea Ka Hipokina Tō Toro Atu Hauora Ataata
I mua i te whakarite, tirohia ēnei taipitopito me tō kamupene inihua:
- Ka Hipokina Rānei ngā Ratonga Hauora Ataata? Pātai mehemea ka hipokina ngā toro atu ipurangi mō te momo manaaki e hiahia ana koe.
- Kei Roto Kē Tērā Kaiwhakarato i te Whatunga? Ka nui ake pea te utu o tētahi toro atu hauora ataata i waho o te whatunga, kāore rānei e hipokina.
- Ka Pēhea te Utu? Pātai mō tō utu tahi, tahi-inihua, me te toenga o tō tango hoki.
- Kei Te Tika Tā Tō Mahere i Tētahi Kaiwhakarato Hauora Ataata Motuhake? Ētahi inihua ka whakamahi i ā rātou ake ratonga tiaki ipurangi, whatunga hauora ataata rānei e pai ana.
- Me Tō Mana Whakamana Whakamua? Ētahi ratonga ka tika kia whakaaetia i mua i te toro atu.
Ka taea e koe te kimi i ēnei pārongo i roto i te tomokanga mema a tō inihua, ngā tuhinga painga, mā te waea atu rānei ki te nama kei runga i tō kāri inihua.
Kia Pēhea te Utu o ngā Ratonga Hauora Ataata Kāore he Inihua?
Kāore he utu kotahi mō tētahi toro atu hauora ataata kāore he inihua. Ka rereke ngā utu moni i te kaiwhakarato me te momo manaaki e hiahia ana koe. Ka iti ake pea te utu o tētahi toro atu ipurangi noa iho i te whakahaere tinana, engari ka piki te tapeke ki te hiahia koe i te rongoā, te whakamātautau taiwhanga, te whakaahua, te manaaki whai muri rānei.
Nō reira ka pai ki te tirotiro i te utu katoa i mua i te whakarite. Ki te kei te whakatairite koe i ngā ratonga hauora ataata utu moni, titiro ki te mea ka hipokina e te utu toro atu, mehemea rānei ka utu anō ngā rongoā me ngā ratonga kē.
Me Pēhea Mai te Tukunga E Hipoki Ana te Inihua i ngā Ratonga Hauora Ataata Engari Kei Teitei Tonu Tō Tango Hoki?
Kāore te hipoki e tikanga ana ka kore utu te toro atu. Ki te kāore anō kia tutuki tō tango hoki, me utu pea e koe te utu kua whakaritea mō te toro atu i mua i te tīmatanga o tō inihua ki te tautoko i te whakapaunga.
Hei tauira, ka taea e tētahi mahere te hipoki i ngā ratonga hauora ataata engari ka whakahau tonu koe kia utua te nui kua whakaaetia kia tutuki ra ano tō tango hoki. Ētahi atu mahere ka utu he utu tahi takatika mō ngā toro atu ipurangi ahakoa tō tango hoki. Ko ngā painga motuhake o tō mahere e whakatau ana ko tēhea tikanga ka whai mana.
Te Kaupapa Matua
He maha ngā wā ka hipoki te inihua i ngā ratonga hauora ataata, engari ka whakawhirinaki tō utu tūturu ki tō mahere, kaiwhakarato, tūnga whatunga, tango hoki, me te momo manaaki e whiwhi ana koe. He tikanga motuhake ā Medicare me Medicaid, ā ka taea ēnei tikanga te rereke i runga i te ratonga, ā, mō Medicaid, i te kawanatanga.
Ki te kei te utu koe i te putea, whakatairitehia te utu katoa o te toro atu i te whakaaro atu rānei ka iti ake te utu o te hauora ataata mā te hipoki inihua. Ka taea hoki te whakamahi i ngā moni HSA me FSA mō ngā whakapaunga hauora whai mana, engari ka whakawhirinaki te tika ki ngā tikanga a te IRS me tō mahere.
