B-1, Caymiska Loo-shaqeeyaha Bixiyay

Caymiska caafimaadka ee uu bixiyo loo-shaqeeyahaagu (ganacsi ama iskiis):

• Waxa laga yaabaa inay bixiso caymiska keli ama qoyska

• Waxaa laga yaabaa in lagu daro qorshaha kafateeriyada

• Heerka tabarucaadka caymiska ee loo shaqeeyaha way kala duwanaan kartaa

• Uma qalmo canshuur dhimis ama kaalmooyin

• Marka la heli karo, Qorshayaasha Caafimaadka ee Laga Goyn Karo Sare (HDHPs) ayaa caadi ahaan ka qaalisan qorshayaasha aan HDHP

• Wax bixin kara FSA/HRA/HSA-Caymis u qalma

  • FSA iyo HSA ayaa la heli karaa oo keliya HDHPs

  • HRAs waa xisaabaadyo kharash-bixineed oo ay maalgeliso loo-shaqeeyaha oo aan laga heli karin qorshooyinka kafaala-qaadka ee aan loo-shaqeeyaha ahayn
    Wax dheeri ah baro: https://marketplace.cms.gov/outreach-and-education/how-an-individual-coverage-hra-offer-works.pdf

  • FSAs looma isticmaali karo qorshayaasha Suuqa

 

Wax dheeri ah baro: https://www.healthcare.gov/have-job-based-coverage/flexible-sending-accounts

 

B-2, Caymiska Loo-shaqeeyaha Bixiyay

Qorshaha Caafimaadka Kooxda

Erayga guud ee nooca caymiska caafimaadka ee ay bixiyaan loo shaqeeyaha, ururka, ama ururka xubnahooda. Ka soo horjeeda caymiska shakhsi ahaaneed oo badanaa waxay u baahan tahay diiwaangelin tiro gaar ah iyo/ama boqolkiiba shaqaalaha loo-shaqeeyaha la siiyay. 

 

B-3, Caymiska Loo-shaqeeyaha Bixiyay

Qorshaha Cafeteria (Qorshaha Qaybta 125) 

Qorshayaasha makhaayadaha waxay u oggolaadaan loo-shaqeeyayaasha inay bixiyaan faa'iidooyin kala duwan, sida caymiska caafimaadka, cashuurta ka hor shaqaalahooda. 

 

B-4, Caymiska Caafimaadka ee Loo-shaqeeyaha

Koontada Kharashka Dabacsan (FSA) 

Koontada gaarka ah adiga iyo loo-shaqeeyahaagu waxaad ku shubi kartaan lacag taas oo aad ku bixinayso kharashyada daryeelka caafimaadka jeebka ka baxsan. Lacagtan kuma bixinaysid cashuur. Tani waxay ka dhigan tahay in aad kaydin doonto qaddar le'eg cashuurta aad ku bixin lahayd lacagta lagu darsaday FSA-gaaga. Waxaa jira xisaab sanadle ah oo ku saabsan qaddarka aad ku darsan karto adiga ama magacaaga. FSA-yada waxaa loo tixgaliyaa inay “isticmalaan ama ay lumiyaan lacagtooda,” in kasta oo qaddar go’an la rogi karo sannad ilaa kan xiga. Lacagaha FSA ee aan la isticmaalin ayaa lagu celiyaa loo shaqeeyaha.

Wax dheeri ah baro: https://www.healthcare.gov/have-job-based-coverage/flexible-sending-accounts/

 

Habaynta Lacag-celinta Caafimaadka (HRA) 

Koontada kharash-garaynta loo-shaqeeyaha oo ay shaqaaluhu cashuur la'aan dib ugu soo celiyaan kharashaadka caafimaadka ee u qalma ilaa xad doollar go'an sannadkii. Qadarka aan la isticmaalin ayaa laga yaabaa in la rogo si loo isticmaalo sanadaha soo socda. Loo-shaqeeyaha ayaa maalgeliya oo iska leh habaynta. HRA-yada waxaa mararka qaarkood loogu yeeraa Xisaabaadka Lacag-celinta Caafimaadka. 

Wax dheeri ah baro: https://marketplace.cms.gov/outreach-and-education/how-an-individual-coverage-hra-offer-works.pdf

 

Koontada Keydka Caafimaadka (HSA) 

Nooc ka mid ah koontada kaydka ah (mararka qaarkood uu bixiyo loo-shaqeeyaha) kaas oo kuu ogolaanaya inaad lacag meel dhigto cashuurta ka hor si aad u bixiso kharashyada caafimaadka ee aqoonta leh. Waxaad awood u leedahay inaad hoos u dhigto kharashyadaada guud ee daryeelka caafimaadka adiga oo isticmaalaya doollarka HSA ee aan la cashuurin si aad ugu bixiso kharashyada lagaa jarayo, lacag-la-bixinta, caymiska-wadaaga, daawooyinka, iyo kharashyada kale ee daryeelka caafimaadka ee aqoonta leh. Maaliyadda HSA guud ahaan lagama yaabo in loo isticmaalo bixinta khidmadaha. Xisaabaadka HSA waa la rogi karaa sanadba sanadka ka dambeeya waxaana lala joogi karaa shaqaalaha marka shaqada laga joojiyo. Lacagaha HSA waxa laga yaabaa in la maalgeliyo oo ay kasbato dulsaar aan cashuur lahayn.

Wax dheeri ah baro: https://www.healthcare.gov/high-deductible-health-plan/hdhp-hsa-information/ 

 

HSA vs. HRA vs FSA

https://www.bcbsm.com/index/health-insurance-help/faqs/plan-types/health-sending-accounts/differences-between-an-hsa-hra-fsa

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B-5, Caymiska Caafimaadka ee Loo-shaqeeyaha

Xeerka Dib-u-heshiisiinta Miisaaniyadda Isku-dhafka ah ee Omnibus (COBRA)

Xeerka Dib-u-heshiisiinta Miisaaniyadda Isku-dhafka ah ee Omnibus (COBRA) wuxuu siinayaa shaqaalaha qaar ee waayay shaqada ikhtiyaarka ay ku sii wataan caymiska caafimaadka waqti xaddidan (badanaa 18 bilood). Kharashka buuxa ee khidmadaha COBRA waa mas'uuliyadda shaqaalaha.