Kana nguva yemutero inotenderera, iwe unogona kunge uchishamisika kana zvikwereti zvako zvepainishuwarenzi yehutano zvakabhadharwa. Iko kunobva kuti ndiwe ani uye kuti ndiani wamunoshanda.
Kuzvishandira
Ini f iwe uri wega-wega, mhinduro inowanzova hongu-mishandiraimari yaunobhadhara kuti uzvifukidze iwe uye vanhu vako vanogona kunge vari mutero-deductible, chero bedzi uri kuwana yako yehutano inshuwarisi.
Izvi ndezvechokwadi pasinei nokuti iwe unowana inshuwarisi yako kuburikidza nekutsinhanisa, kana mumusika mumwe nomumwe kunze kwekutsinhanisa. Premium rubatsiro (premium tax credits) inowanika muchitsinhanisi , asi kwete kunze kwekushinhana. Chero nzira, vanhu vanozvishanda vanogona kungotora mutengo wavanonyatsobhadhara muzvikwereti. Hapana "kubiridzira" kwakabvumirwa, saka kana iwe uchiwana mari yekubhadhara mubhadharo yekuvhara chikamu chebhadharo yako, iwe unogona kungotora purogiramu yako yapera-kubhadhara pamutero wako wekudzokera.
Zvakakosha kunzwisisa kuti chikamu chekubhadhara mari yaunowana inobatanidza nekugadziriswa kwako kwakagadziriswa mari yakawanda (an ACA-specific calculation , iyo inopesana nemagadzirirwo akashandurwa agadziriswa mari yakawanda), asi miriyamisi inobhadhara inshuwarhu yehutano semunhu anozvishandira munhu ane chikonzero pakugadzirisa yako kushandurwa kuchinjwa mari yakawanda. Izvi zvinoguma kuva dambudziko rakatenderera: Zororo rako rekubhadhara rinoenderana nemari yako yakagadziriswa, asi mari yako yakagadziriswa inobva pakubhadhara mari yako yepamusoro.
Asi IRS yakataurira nyaya iyi, uye muteresi wako wezvemitero kana mutero wepurogiramu inogona kukubatsira iwe kuitora.
Asi kunyange iwe uri wekushanda, kana iwe, wako wako, kana vatsigiri vako vakafukidzwa neboka revanoshandira inshuwarano yehutano hurongwa (iwe pachako, kubva mubasa rakasiyana, kana urongwa hwemumwe wako kana mubereki), iyo mihombimari yaunobhadhara nokuti kugoverwa uku hakusi chimwe chinhu chaunogona kutora pamutero wako wekudzokera.
Izvi ndizvo zvavari kutokwaniswa kubhadharwa nehurumende isati yabhadhara sezvo muvakidzani-vakabhadhara utano hwehutano huri mutero-inokonzerwa nevashandi nevashandi .
Health Savings Accounts
Kana uine chirongwa cheHSA chepamusoro-soro chakakosha (HDHP), unogona kunge uine compte yekuchengetedza utano (HSA). HSA yako inogona kusimbiswa kuburikidza nemushandi wako, kana inogona kuva chimwe chinhu chaunoshandisa iwe pachako, sezvaunogona kuva neHDHP inopiwa nemushandi kana kutengwa mumusika mumwe nomumwe .
Mupiro wamunoita kune HSA yenyu ndeye 100 muzana mutero inodonhwa kusvika pamucheto we $ 6 900 nokuda kwekuvhara mhuri uye $ 3 450 pamusangano wega wega muna 2018. Mipiro yeHSA yako inogona kuitwa newe kana nemushandi wako, asi chikamu chega chaunozvipa iwe pachako mutero inobviswa. Kana iwe uchibhadhara HSA yako kuburikidza nekubhadhara mubhadharo, zvipo zvichaitwa pamutambo usati watere, uye izvo zvicharatidzwa mune W-2 unogamuchira (kureva, haufaniri kuidzinga pamutero wako wekubhadhara, iyo ichave yakatorerwa kubva pamari yako inotengesa). Asi kana iwe uine mari yako yeHSA, iwe uchachengetedza mitezo yako yaunenge uita mukati megore uye uchatora zvachose paunodzoka mutero.
Zvikwata zvepamberi sechikamu chezvizere zvekurapa mari
Kunyange kana iwe usisiri wega-wega, Internal Revenue Service (IRS) inokubvumira kuverenga madhizimisi emishonga ehutano uye mazinyore (uye nezvimwe zvikwereti, mari yemishonga yemainishuwarenzi yenguva refu) sechikamu che7,5 muzana yemari yako yakawanda yakagadziriswa ( AGI) inofanirwa kushandiswa pakuchengetwa kwehutano usati wambobviswa mari yezvemapato ezvokurapa .
Rwendo rurefu rwehutano-hunoenderana nehutano hunogona kubatanidzwa huchaderedzwa, kusanganisira mishonga yemishonga uye kushandiswa kwekuzvisarudzira, kufanana nekuvhiya kwemaziso kushandura kuratidzwa. IRS ine urongwa pane webhusaiti yayo. Chengetedza yekunze-kwe-muhomwe mari yaunowedzera mukati megore-kusanganisira miriyo yehutano yemishonga yehutano kana uri kutenga yako purogiramu asi haisi iwe unoshanda. Kana zvikwereti zvako zvose zvinopfuura 7,5 muzana zveAAGI yako, uchakwanisa kubvisa mari pane iyo chikumbaridzo.
Saka semuenzaniso, kana AGI yako iri $ 50,000 uye iwe uchishandisa $ 8,000 pamari yezvokurapa, kusanganisira mari yemishonga yehutano yehutano yaunenge uchibhadhara iwe, unogona kukwanisa kudarika $ 4,250 yezvokurapa mari yekubhadhara mutero wako (7.5 muzana ye $ 50,000 $ 3 750, saka iwe unogona kukwevera mari yacho inopfuura $ 3,750 mumamiriro ezvinhu aya).
Cherechedza kuti 7.5 kubva muzana ndiyo inoshandiswa kuva iyo yakaenzana, asi ACA yakawedzera kusvika ku 10 muzana (yakaramba iri pa7,5 muzana yevanhu vane makore 65 nekure, kusvika pakupera kwa2016). Zvisinei, mutero weGOP mutero ( Tax Cuts uye Jobs Act ) iyo yakagadzwa munaDisemba 2017 inodzosera chikumbaridzo kusvika ku7,5 muzana kune vose vateresi vemitero, muna 2017 ne2018. Saka panzvimbo yekushandisa mari inopfuura 10 muzana yemari yako chirwere chekurapa (kusanganisira mapeamisi) kuitira kuti uwane kukodzero, iwe zvino unofanira kupedza zvinopfuura 7.5 muzana. Izvi zvichapera pakupera kwe 2018, zvisinei, uye zvichadzoka kusvika ku 10 muzana kune vose vanoita mitero. Kutanga muna 2019, mari chete yezvokurapa inopfuura 10 kubva muzana yemari inowanikwa ichakwanisa kubhadhara.
Kuti uwane mari yezvechiremba, unofanirwa kuita kuti iwe uwedzere mari yako. Izvi zvinopesana nezviitiko zviviri zvinorondedzerwa pamusoro apa-kubhadharwa kwehutano hwehutano hwepayimusi uye kubudiswa kweAalth Savings Account-zvose zvingashandiswa pasinei nokuti iwe unotora zvakaderedza.
Izvi zvinongorondedzero yekuti IRS inobata sei zvikwereti zvemishonga yehupfenyuro yehutano. Kana uine mibvunzo pamusoro pemamiriro ako chaiwo, asi chokwadi uchataura nemumwe muteresi wemitero.
> Sources:
> UC Berkeley Labor Center. Kugadziriswa Kugadziriswa Mari Inowanikwa Pasi Pakawanda Inotarisira Care Act . July 2014.
> House.gov. Nheyo yeMitengo Yemajeri neMabasa Act (HR1) , yakagadzwa musi waDecember 22, 2017.
> Internal Revenue Service, Publication 502 (2015) .
> Internal Revenue Service, Revenue Procedure 2015-30 .
> Internal Revenue Service, Nzira dzeMutero 2016-28 .
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