Mutero weKubhadhara Mutero Kazhinji Unongorondedzerwa seMari
Mutengo wekubhadhara mutero chikamu chikamu cheMutengo weChechi chakanaka ( Obamacare ). Inowanzotumidzwa semubayiro wokutanga rubatsiro , uye yakagadzirirwa kubatsira kubatsira mari yehutano yehutano yepamusoro yepamutengo yevanhu vari pakati nepakati pekuwana mari (mazwi ekuti "pasi-pfuma" uye "pakati peboka" vanozviisa pasi; inowanikwa kuvanhu vane mari yemari yemhuri sepamusoro mazana mana kubva muzana ehurombo.
Ndiyo $ 98,400 yemhuri yevana muna 2018)
Kunyange zvazvo vatongi veRepublican vakapedza zvakawanda zve 2017 vachiedza, vasina kubudirira, kubvisa ACA, hapana chinhu pamusoro pemutemo chakachinja kwenguva iyo. Izvo ACA's premium mitsva yekwereti inowanikwa muna 2018, uye mune dzimwe nyika, zvikwereti zvakakura zvikuru muna 2018 kupfuura zvaive mumakore apfuura . Saka ngatitarise kuti chii icho chikwereti chemari yekambani uye iyo inoshanda sei:
IAACA's Premium Tax Credit
Mari iyo inowanika kune vanhu vane kugadziriswa kwemari yakawanda yakagadziriswa kubva kubva ku100 kusvika ku400 muzana yehurumende yehurumende yehurombo (mumatunhu 31 neDDC apo Medicaid yakawedzerwa pasi peAACA, iyo inokodzera kubhadhara chikwereti chekambani yekambani ye 139% urombo uhu, nokuti Medicaid inowedzera vanhu pasi pezinga iroro). Uyezve, rubatsiro runongowanikwa kune avo vanotenga inshuwarhu yehutano kuburikidza nehurumende-runhu yehutano yehutano kushandiswa mune imwe nyika.
[cherechedza kuti premium yemari yekwereti inowanikwa kune vekubva kune dzimwe nyika vati vauya muAmerica asi avo vane mari pasi pehurombo. Urongwa uhwu hwakawedzerwa muAACA nokuti vaparidzi vepanguva pfupi havana kukodzera kuMedicaid kusvikira vasvika muUnited States kwemakore mashanu.]
Kana iwe uchikwanisa kuwana mari yekubhadhara mutero wekwereti, iwe unogona kusarudza kuti ubhadzwe mberi kwako zvakananga kune kambani yehutano yehutano yega yega mwedzi. Izvi zvinoderedza mari yaunofanira kubhadharira miriyamisi mwedzi mumwe nomumwe. Kana, iwe unogona kusarudza kuitora semari yemari yakabatanidzwa ne federal yako yemari yekubhadhara mutero. Chero nzira, ndiyo mvumo yekubhadhara mutero, iyo inoreva kuti iwe unoiwana kunyange kana ichidarika chikwereti chaunokwereta mu federal tax.
Unoda kudzidza zvakawanda nezvekambani yekwereti yekwereti? Tsvaga kana iwe uri kukodzera, kuti ungashandisa sei, mari yakawanda sei, uye sei iwe uchifanira kubhadhara chikamu chechikwereti nokuverenga, " Ko Inishuwarenzi yeUkwereta yeUkwereta yeNhepfenyuro yeNhepfenyuro yeChishanu inobatsira sei? "
" Ndingawana Rubatsiro Kubhadhara Utano Woutano? "Ichakupa ruzivo rwezvemapurogiramu ehurumende, kusanganisira purogiramu yekambani yemutero, kubatsira vanhu vanochera uye vari pakati-kati vanowana inshuwarano yehutano vasina kuenda.
Uyewo Anozivikanwa Sezvo
Kana iwe uchibhadhara mutengo wakakwana wekutengesa-kutenga kugoverwa kwegore rose uye wobva wati chikwereti pamutero wako wekubhadhara, inonzi premium tax tax (PTC).
Asi vanhu vakawanda vanosarudza kuva nechikwereti chabhadharwa kare, zvakananga kuhutano hwavo hwehutano inshumo mwedzi mumwe nomumwe (iyo inoderedza mari iyo munhu anyoresa anofanira kuripa mumashandiro emwedzi pamwedzi).
Muchiitiko ichocho, inonzi inofanirwa kutanga mari yemari yekwereti (APTC).
Chero nzira, chikwereti chemutero chinowanzotaurwa nezvekubhadhara mari, kana dzimwe nguva "ACA rubatsiro." (kunyange kune imwe ACA rubatsiro inoshandiswa pakugovana-mari uye haifaniri kusanganiswa nekambani yekwereti yemutero).
Ndiani Anokodzera?
Sezvinorondedzerwa pamusoro apa, mari yepamusoro yekwereti yekwereti inowanikwa kune vanhu avo vakashandurwa mari yakawanda yakagadziriswa haipfuuri 400 muzana ye federal poverty level, uye inenge zana muzana yehurombo huwandu (139 muzana muhurumende yakawedzera Medicaid) .
Mukuwedzera, mari yepamusoro yekwereti inowanikwa chete kana ichidiwa kuti uite chirongwa chekuenzanisa (chirongwa chechipiri-chakanyanya kudhura chevhavha munharaunda yako) chine mari yekutengesa maererano nemitemo yeAACA.
Urombo hwehurumende hunochinja gore negore, uye hunobva paukuru hwemhuri yako.
Iwe unogona kutarisa fPL data pano, uye chati ichi chinosanganisira zvikamu zvakasiyana-siyana zvehurombo huripo hunobatsira pakugadzirisa premium mutero unokodzera.
Maferemu eFPL gore rapfuura anoshandiswa kugadzirisa kukodzera kwekambani yekubhadhara mutero. Nokudaro somuenzaniso, ani naani anotsvaga rubatsiro rwe 2018 achashandisa nhamba dze 2017 FPL. Izvi ndezvechokwadi pasinei nokuti vakanyoresa munaNovember 2017 here kana kuti vari kunyora muna July 2018 sechikonzero chechiitiko chakakodzera
Kushandisa 2017 FPL mazinga:
- Iwe unogona kukodzera kubhadhara inshuwarhu yehutano semunhu ane mari ye $ 12,060- $ 48,240 (pasi inenge iri $ 16,643 kana uri mune imwe nyika yakawedzera Medicaid).
- Vakaroorana vanofanirwa nemari inosvika $ 16,240- $ 64,960 (pasi yakaderera iri $ 22,412 kana uri muhurumende yakawedzera Medicaid).
- Mhuri yevatatu vanowana $ 20,420- $ 81,680 inokodzera (iyo yakaderera muchengeti ye $ 28,180 kana uri mune imwe nyika yakawedzera Medicaid).
Kuti uone kuti mari yako yepamusoro yekwereti ichave yakadini, unofanira kuziva:
- Chipo chako chaunotarisirwa pamusoro pemari yehutano inshuwarhu yako (zvinoenderana nemari yako, uye inotsanangurwa pano)
- Mutengo weurongwa hwehutano hwehutano hwako
Purogiramu yako yepachiratidzo ndiyo hurongwa hwehutano -tiered yehutano neyepiri yechipiri chemwedzi miviri pamunharaunda yako. Utano hwehutano wehutano unogona kukuudza chirongwa ichi ichi uye kuti zvinorevei.
Mutengo wako wekubhadhara mutero (aka premium subsidy) muyero ndiwo musiyano pakati pekupiro yako inotarisirwa uye mari yepurogiramu yekuenzanisa munzvimbo yako. Iwe unogona kuverenga zvakawanda pamusoro pePeumum Tax Credit apa .
> Sources:
> Healthcare.gov. Verengai Mutengo Wakanaka Wekuita Mutemo (Nyaya Yese yeChechi Chinodiwa Nekutarisira Mutemo uye Reconciliation Act).
> UC Berkeley Labor Center, Modified Modified Income Revenue Under Under Affableable Care Act . July 2014.
> Dhipatimendi reUnited Health of Health and Human Services, Office of the Assistant Secretary for Planning and Evaluation. US Federal Poverty Guidelines Inoshandiswa Kugadzirisa Kupiwa Kwemari Kwemamwe mapurogiramu eHurumende. January 26, 2017.