Kuvandudzwa Kwezvehutano Mutemo Unosanganisira Mutemo weHutano hweHutano
Chimwe chezvinhu zvinopesana neChipatara Chinodiwa Mutemo ndicho chikonzero chehutano hwehutano hwehutano-izvo zvinodiwa kubva muna 2014, vose vekuAmerica vanofanira kuva nehutano hwehutano.
Izvo zvizhinji zvevanhu vari munyika ino vane inshuwarhu yehutano kuburikidza nebasa kana chirongwa chehurumende chakadai seMedareria uye Medicaid, uye icho chakanga chiripo izvo zvisati zvaitika gore ra2014 apo sarudzo yega yega yakatanga kushanda.
Naizvozvo, iyo mvumo, inokanganisa chikamu chevanhu veAmerica vakanga vasina hutano yveshuwarhu pamberi pegore ra2014, uye avo vakaramba vasina uninsured mumakore akatevera.
Ndinofanira Kuva Neutano Inishuwarenzi Here?
Kubvira muna 2014 vese vemuUnited States uye vagari venyika vakave vachidikanwa kuti vave ne "zvishoma zvakakosha kugoverwa," izvo zvinosanganisira kugoverwa kuburikidza nebasa rako, chirongwa chehurumende (seMedicaid, Medicare, Veterans Administration, uye Armed Services), kana chirongwa chehutano iwe wakatenga iwe pachako. Asi hazvirevi "kunze kwezvakabatsirika" sehutano hwehutano hwehutano , njodzi yekuwedzera, kana zvirongwa zvinorwara zvirwere.
Kana iwe usina hutano yveshuwarisi, iwe uchabhadhara chirango chetero chakatambanudzwa kutanga negore ra2014 rinovhara (rakaongororwa apo vanhu vakaisa mitero yavo pakutanga kwegore ra 2015). Chirango chakanyanya muna 2014 chaiva $ 95, asi IRS yakashuma kuti pakati pevateresi vematare vaiva nemhosva yegore ra2014, murairo wepakati waiva ye $ 210.
Chirango chiduku chakawedzerwa muna 2015 uye zvakare muna 2016. Kune vanhu vasina kuvimbiswa muna 2016, zvidhinho zvishoma ndeye $ 695, asi Kaiser Family Foundation inofungidzira kuti chirango chepakati chaizowanikwa madhora 1 000 .
Mari inosvika madhora mazana matanhatu nematanhatu ($ 695 flat rate rate) (iyo inogona kusvika kusvika katatu zvakanyanya kudai kana mhuri dzakawanda dzisingabatsirwi) dzichasanganiswa nekutengesa kwegore negore, kutanga muna 2017.
Kune misha yepamusoro-zhinji, chirango chiri 2.5 muzana yemari inowanikwa, iyo inoramba ichingova iyo (iwe unobhadhara chero ipi zvayo chirango chiripamusoro-chidimbu chakagara, kana kuti chikamu chemari).
Uri Kuregererwa Here Kana Kuti Rubatsiro Runowanika?
Iwe unogona kukodzera kubhadhara kana iwe unogona kuwana rubatsiro kubhadhara utano hwehutano huri kana mari yako iri pasi. I IRS yakataura kuti kunyange zvazvo mamiriyoni 7,9 emitero yakabhadhara chikwereti chekusabatsirwe muna 2014, imwe mamiriyoni 12,4 emitero yakasunungurwa kubva kune chirango, pasinei nekusabvumirwa.
Kuregererwa kunopiwa kune zvinotevera:
- iwe une dambudziko rezvemari
- iwe une kupokana kwechokwadi kwechitendero
- iwe uri muAmerican Indian
- iwe wakanga uine hutano hwehutano kwemwedzi inopfuura mitatu (a prorated chirango inoshanda kana iwe usina kubvumirwa kwemwedzi mitatu kana kupfuura)
- iwe uri mumiriri wekusununguka
- iwe uri mujeri
- iyo yakaderera mari yeurongwa hwehutano hunowanika munzvimbo yako inodarika 8 kubva muzana yemari yako inowanikwa (yakanyatsorongedzerwa nehupfumi) muna 2017, ndiyo 8.16 muzana).
- mari yako inenge iri pasi pemutero wekuisa firimu
- iwe uri nhengo yehutano hwekugoverana kwehutano
- unogara kune imwe nyika kwemazuva anenge 330 mumwedzi gumi nemaviri
- une nguva shomanana yekuparidzira kuburikidza neAmeriCorps, VISTA, kana NCCC.
- iwe unenge uchikodzera kuMedicaid pasi pe ACA, asi hauna kukodzera nokuti nyika yako haina kukura Medicaid.
Kuita Kugoverwa Kunoshandiswa
Kutanga muna 2014, Medicaid yakawedzerwa pasi peAACA kune dzimba dzine mari kusvika 138% yehurumende yehurumende yehurombo (inenge $ 16,400 kune mumwe chete muna 2016).
Asi Dare Repamusorosoro rakapa mutemo kuti kuwedzera kweMedicaid kwaizova kusarudza, uye sekupera kwegore ra2016, pane 19 nyaya dzisina kuwedzera Medicaid. Mune gumi nemasere aya, pane dambudziko rekugoverana : Vanhu vane mari iri pasi peurombo hwehurombo havakwanisi kubhadhara mari yepa premium muchitsinhanho kana Medicaid, izvo zvinoita kuti kugoverwa kusati kwasvika. Vanhu vari mumamiriro ezvinhu aya havakwanisi kutongerwa mutero wekusabvumirwa, zvisinei, sezvo IRS yakagadzira rusununguko kwavari.
A Dr. Mike tsanangudzo: Federal Federal Poverty Level - Pakutanga kwegore negore, hurumende inoburitsa "hurumende" mari yehurombo. Iyi yakawanda ndiyo inowanikwa gore negore kuti munhu kana mhuri inokwanisa kukwanisa kupa zvido zvekutanga zvakadai sokudya uye dzimba. Iko chaiyo yebhadharo inofanirwa kuchinja gore negore uye inopesana zvichienderana nenhamba yevanhu mumhuri. The Federal Poverty Level inoshandiswa kutsvaga kukodzera kwevanhu kune hurongwa hwehurumende hwakafanana neMedicaid.
Kana mari yako yegore negore yakakwirira kudarika 138% ye federal poverty level asi pasi pe400% yehurombo uhu (nokuda kwekugoverwa kwa2017, iyo inenge madhora 47 500 kune mumwe munhu), iwe uchawana chikwereti chemutero kuti chikubatsire kubhadhara zvikwereti zveurongwa hwehutano . Uye kana mari yako isingadariki 250 muzana yehurombo huripo, kunewo rubatsiro runowanikwa kuti udzikise mari yako yekunze .
Mari inobhadhara mari yekunze-in-pocket inobhadharwa zvakananga kune wako wehutano wehutano. Asi iyo premium rubatsiro inogona kubhadharwa zvakananga kumubhizimisi wako, kana iwe unogona kusarudza kuitora iyo pamutero wako wekudzokera. Ndicho chikwereti chemutero chinodzosera, saka uchachigamuchira kunyange kana iwe usina chikwereti chemutero wemari.
Chii Kana Ndikasati Ndisingakwanisi Kubatsira?
Panogona kuva nevamwe vanhu vasingakwanisi kubhadhara mari yemishonga yemishuwarenzi yehutano kunyange nebhasiro, kana kubhadhara mutero. Kana iyi ndiyo mamiriro ako ezvinhu unogona kukumbira kusunungurwa kwakavakirwa mumatambudziko emari . Kana mari yebhadharo yepasi yeBronze yakaderera pane imwe nzvimbo yako inopfuura kudarika 8.16 kubva muzana yemari yako muna 2017 (mushure mokunge rubatsiro rwekubhadhara, kana rwakakodzera, rwunofungidzirwa), iwe uchakwanisa kubhadhara kusunungurwa kubva pakubhadhara kusingagoneki .
Kana Ndikatenga Inishuwarenzi, chirongwa cheutano chingandigadzirisa here kana ndiri kurwara?
Aihwa! Zvose zvirongwa zvemakethe zvakagadziriswa-kubva munaJanuary 2014. Kunyora kunongopera pawindo rekunyora rokunyoresa gore negore rinotanga rimwe nerimwe rawa musi waNovember 1, kana nguva yekunyora inokosha yakakonzerwa nechiitiko chinofanirwa , asi vatsigiri havasati vava kubvunza nezvehutano hwehutano kana iwe unokumbira kuti upiwe. Mamiriro akambovapo-akave akafukidzwa pane zvese zvirongwa zvino, kunze kwezvakawanda zvekugadzirwa kwemakethe.
Ndinofanira Kubhadhara Mitero Yakakwirira Nokuda Kwehutano Hwakachinja Here?
Kubudirira musi waJanuary 1, 2013, vanhu vanowana mari inopfuura $ 200,000 pagore kana vakaroorana vanowana mari inopfuura $ 250,000 pagore - vanenge 2% veAmerica - vakatanga kuona kuwedzera kwemitero yavo yakabhadhara, kusanganisira:
- Chimwe chikwereti chinokwana 0.9% muMurengeti wechipatara muhutano hwehupatara, kuwedzera kubva pa145% kusvika ku 2.35% - somuenzaniso, kana iwe uri mhuri yakagwinya ine mari yegore rose ye $ 350,000, iwe uri kubhadhara $ 900 gore mugore reMedarere yemitero .
- A 3.8% Mutero weMedare pamusana pekuwana mari yakadai semari inowanikwa, zvikwereti, uye zvikwereti. Kare, Medicare mitero yaongororwa chete pane mari yainowana, yakadai sebhadharo kubva kubasa rako kana mari kubva kubasa rako pachako.
Zvisinei, kune dzimwe nyaya dzine chokuita nemitero inobata huwandu hwevanhu. Izvi zvinosanganisira:
- Mutero wekubhadhara wekusava nehutano inshuwarisi yakatanga muna 2014.
- Zvimwe zvinoshandiswa kune mararamiro ako ekuchengetedza kwehutano (HSA). Kubva paJanuary 1, 2011, haugoni kubhadharwa pamutero usingabhadharwi kwezvinodhura zvepamusoro pemishonga. Uye, mutero pamusoro pekugoverwa kubva kuHSA yako (isati yava nemakore 65) iyo isingashandiswi yehutano hwemari yakakwira yakawedzera kubva 10% kusvika 20%.
- Kana iwe itemize mubhadharo wemutero paHurongwa A, zvinoenderana neJanuary 1, 2013, chibvumirano chekuderedzwa kwacho chakakosha nokuda kwemari yako yezvokurapa yakawedzera kubva pa7,5% yemari yakawanda yakagadziriswa kusvika 10% yemari yakawanda yakashandurwa. Iko kukura kwave kusunungurwa kana iwe uri 65 kana kupfuura kwemakore emitero 2013 kusvika 2016 asi unoshanda kune wese munhu anotanga muna 2017. Saka somuenzaniso, kana yako yakagadziriswa mari yakawandisa iri $ 80,000, unogona kubvisa chete mari yezvechiremba inodarika $ 8,000, asi, kare, iwe ungadai wakakwanisa kubhadhara mari yezvechiremba yakadarika $ 6,000.
Uyezve, kune mimwe mitero isingatarisirwi zvakananga kwauri iyo inogona kuva nemigumisiro kwauri. Semuenzaniso, mari inoshandiswa pamakambani emishonga ehutano yehutano ingakwanisa kuwedzera mari yezvibereko zvavo, izvo zvingave zvichitapirwa kwauri. Zvinonakidza, kubvisa mbatya dzemabhedha zvino zvichisangana ne10 muzana yemari yemutero, iyo inogona kuva yakanaka kune utano-uri nani kubva kune imwe nguva yezuva!
Yakarongwa naLouise Norris.
> Sources:
Healthcare.gov. Verengai Mutengo Wakanaka Wenyu.
> Healthcare.gov. Mhando dzeUshuwarhu Hwehutano Hunoverengera Sekuvhara.
> Internal Revenue Service. Mutengo Wemitero paIndoor Tanning Services, Inowanzobvunzwa Mibvunzo.
> Internal Revenue Service: Mumwe nomumwe Mutoro Wekugoverwa Chipo: Kuregererwa-Kudaidza kana Kuzivisa.
> Koskinen, John, Internal Revenue Service, Kutangira mhinduro kubva mugore ra2015 rekutsvaga rine chokuita neAgordable Care Act kunoitwa muna October 2015 . > January 8, 2016.