Chii Chirango Kana Usina Utano Woutano?
Iwe unofanirwa here kubhadhara mutero wemutero wekusati uine inshuwarhu yehutano ? Ndechipi chikwereti chehutano inshuwalense? Ndezvipi zvinodhura zvishoma: kubhadhara mutero wemutero kana kutenga inshuwarhu yehutano?
Chimwe chezvinhu zvinopesana zvakanyanya zveChinakidzwa Care Act nderumwe hurumende inoda kuti veAmerica vave nehutano inshuwarisi. Kunyange zvazvo nhamba shomanana yeAmerica isingabvumirwi nezvinodiwa kuti uve neutano hwehutano inshuwarheni, isu tose tinosangana nechirango, kubhadhara mutoro wekugoverana , kana tisingabatsiri.
Izvo ramangwana reAACA-kusanganisira chirango chakagoverwa chirango-hachizivikanwi, asi vaRepublican lawmakers vakaramba vachitsvaka muna 2017 kubvisa ACA vasina kubudirira. Kubvira pakupera kwa2017, ACA, iyo yose, yakaramba ichinyatsogadzikana.
Mutungamiri wekutanga weTrump anorayira mahofisi ehurumende kuti ave seanorereka sezvinobvira apo achisimudzira mitero yeAACA nemitengo. Somugumisiro, IRS yakazivisa muna February 2017 kuti havazoregi kutora mutero 2016 iyo isina kupindura mubvunzo pamusoro pehutano hwehutano inshumo (mutsara 61 weFomu 1040). Vakachengeta kodzero yekutevera nemafuta asina kupindura mubvunzo uyu, asi zvadzo hazvina kurambwa zvachose (cherechedza kuti hazvisi pamutemo kuti ureve ku IRS mune chero mamiriro ezvinhu; haugoni kutaura kuti iwe waive nehuwandu kana iwe hauna 't).
Zvisinei, kutanga ne 2018 mutero wekutsvaga mutero (nokuda kwekudzoka kwa2017), IRS haichazogoni kutambira mitero isingapinduri mubvunzo pamusoro pehutano hwehutano hwehutano.
Mafuta ose achafanirwa kuratidza kuti kana kwete ivo vane hupfumi, vachiyeuka mupfungwa, sezvinogara nguva dzose, kuti hazvibvumirwi nemutemo kureva nhema kune IRS.
Hezvino izvo zvaunoda kuziva pamusoro pekuti chirango chinoshanda sei uye kuti zvakadini:
Hurumende imwe neimwe ine Health Insurance Exchange iyo inobatsira vanhu kuwana inshuwarisi, uye rubatsiro rwemari inowanikwa inobatsira kubatsira vanhu vazhinji kubhadhara inshuwarhu yehutano (kubhadhara kubhadhara kunosvika kusvika 400 kubva muzana yehurombo, iyo iri $ 48,240 kune mumwe chete muna 2018, uye $ 98,400 yemhuri yevana).
Asi, kana iwe ukajaira kuenda kunze kwehutano inshuwarisi uye usingakodzeri rubatsiro, unofanirwa kuvhara mari yehutano inshuwarheni mubhajheji yako kana kubhadhara mutemo wega wega chirango.
Kana uri kufunga nezvekuenda usina utano hwehutano inshumo mune tarisiro yekuchengetedza mari , mutengo wechirango uchadya mune mari yako. Kuziva kukosha kwechirango kunogona kukubatsira iwe bhajeti.
Kana uri kuedza kuverenga chirango chemhuri panzvimbo yeumwe munhu, dzidza sei pano .
Kuverenga Health Insurance Penalty
Kutanga, tarisa paMuga Mutemo Wechirango Chetatu pasi apa. Mushure mokunge taona tafura, verenga kuti udzidze kuti ungashandisa sei zvakanaka, saka haubhadhari.
| Gore 2014 | Gore 2015 | Gore 2016 | Mushure me 2016 | |
|---|---|---|---|---|
| Inowanikwa-based based penalty | 1% yemari yepamusoro pamusoro pekuvhara chikumbaridzo | 2% yemari yepamusoro pamusoro pekunyorera chikumbaridzo | 2.5% yemari yepamusoro pamusoro pekuvhara chikumbaridzo | 2.5% yemari yepamusoro pamusoro pekuvhara chikumbaridzo |
| Minimum penalty amount | $ 95 pamunhu mukuru & $ 47.50 pamwana, kusvika pa $ 285 pamhuri | $ 325 pamunhu mukuru uye $ 162.50 pamwana, kusvika $ 975 pamhuri |
| Same se 2016 + kuchinja kwekuwedzera kwezvinhu (kuchinja kwaiva $ 0 kwe 2017 ne 2018) |
Chirango chauchazobhadhara chiri chiyero chakanaka chakasarudzwa kana chikamu chemari yako yose inowanikwa.
Kushandisa tafura, kuverenga chirango se peresenti yemari yako yekutanga. Zvadaro, enzanisa izvozvi kusvika kuhutano hwehutano inshuwarisi yegore iroro. Mutemo wako wega wega chirango chichave chikuru pane izvo zviviri.
Mutero wemitero ichaverenga chirango chako, asi kana uchida kuziva nezvekuti inoshanda sei, kana kuti unoda kuve nechokwadi kuti yakarurama, heino mamwe mazano:
- Usabhadhara hurumende yakawandisa. Ingobhadhara chikwereti chemishonga inshuwalano yehutano pane chikamu chemari yako yaunowana iyo iri pamusoro pechikumbaridzo chekuisa. Bvisa chikumbaridzo chekufambisa kubva pane iwe wawana mari usati waverenga chirango. (Uchaona mienzaniso yei iri pasi apa.)
- Chikumbaridzo chekufambisa ndicho chiyero chemari inokuda kuti iwe udzorere mutero wekudzoka. Vanhu vane zvipo pasi pekuvhara chikumbaridzo havafaniri kuisa mutero wekudzorera; avo vane mari yepamusoro pechikumbaridzo vanofanira kuisa.
- Chikumbaridzo chegore ra2017 ndeche $ 10,400 pamatafura asina kukwana uye $ 20,800 kuti vakaroorana vafunge pamwe chete. Iwe unogona kuwana mahwendefa ekufambisa kune mamwe makore uye kune mamwe mabhuku ekuisa mabhuku kubva pakabudisa 501 pamitauro yeRS uye peji yezvinyorwa.
Mamiriro Ezvinhu Anogona Kuderedza Chirango Chako
- Haikwanise kuwana mishonga yehutano yehutano yakakwana Kana iwe usingagoni kuwana hutano hwehutano huri kukuderedza iwe pasi pe8.05 muzana yemari yako muna 2018 , unogona kusunungurwa kubva kune chirango. (Iyo yakatangira pa8 kubva muzana muna 2014. Yakawedzerwa zvishoma gore rimwechete kusvika muna 2017, sezvo mari yehutano inshuwarheni yakawedzera nokukurumidza kudarika mavhareji emari inowedzera, asi yakaderera zvishoma kubva muna 2017 kusvika muna 2018.)
- Wakanga uine inshuwarhu yehutano kwechikamu chegore here?
Ingobhadhara chikwereti chemwedzi yawakaenda usina inshuwarhu yehutano. Somuenzaniso, kana iwe usina kuenda kune utano hwehutano kwemwedzi minomwe yegore, iwe unongobhadhara zvinomwe-gumi nezviviri zvegore rehutano inshuwalense chirango. - Iwe une chirango chikuru here?
Chirango chechikwereti chakatorwa pamusana wevheji yehurumende yebhadharo-teer yehutano inshuwarano hurongwa hwegore iroro. Izvi zvinoshandurwa gore roga roga, saka IRS inoparidzira gore rega rega mushure mumiriri mwedzi inoverengeka vanhu vasati vatanga kugadzirira mitero yavo. Nokuda kwemashoko ako e 2017 (akaiswa mukutanga kwegore ra2018), mari yacho inokwana $ 272 pamwedzi kana $ 3 264 pagore kune mumwe chete (kune mhuri yevashanu kana kupfuura, iyo yakawanda iri $ 16,320)
Muenzaniso A
Stan ane musikana ane makore makumi maviri nemasere anokonzera mutero uyo akaita $ 45,000 muna 2017 uye haana kuvimbiswa gore rose. Kunyange zvazvo waaishandira akapa hutano inshuwaridhu inodhura $ 280 pamwedzi, Stan akanzwa kuti akanga asingakwanisi kutenga $ 280 mwedzi mumwe nomumwe, saka akasarudza kuenda pasina bhuwarisi. Tichashandisa 2017 kufungidza chiyero chema $ 10,400, uye gore ra2017 ravhareji yemari yeurongwa hwehutano hwemhangura ye $ 3 264 pagore. Heano maverengero eStan:
Danho 1
$ 45,000 - $ 10,400 = $ 34,600
Stan's earnings - kuisa chikumbaridzo chemaseri asina kukodzera = chikamu chemari yaStan inoshandiswa kuverenga chirango.
Danho 2
$ 34,600 X 0.025 = $ 865
Chikamu chemari yaStan inoshandiswa kuverenga chirango X chikamu chechirango che 2017 icho chiri 2.5% kana 0.025 = Stan's percentage-of-income-penalty.
Danho 3
Tarisa tafura. Enzanisa nhanho yekutengesa ye 2016 pamwe nemari yekuwandisa-ye-pfuma yawakarongerwa, uye Stan's pachake chirango chekutonga chichava chikuru kune iyo mbiri.
Kubvira $ 865 yakakura kudarika huwandu hwehutano hwehutano inshuwarheni ye $ 695 ye 2017, Stan anofanira kubhadhara chirango che $ 865 apo paanoshandisa mitero yake kutanga kwe 2018.
Chirango chaStan chakanga chiri pasi pehuwandu hwemagetsi ehurumende-yehutano yehutano inshuwarheni, $ 3 264, kuitira kuti chikwata chechirango chisati chakanganisa chikamu cheStan. Mutengi waStan anopa hutano hwehutano hwakange huri kutengesa Stan pasi pe9,69% yemari yake, izvo zvinoreva kuti mushandi wake ari kutevera neAAC's's mandatory mandate, sezvo kugoverwa kwaizodhura Stan pasi pe9,69 muzana yemari yaanowana (ichi chikamu chinogonawo Ichagadziriswa gore negore; yakawedzera zvishoma nezvishoma kubvira muna 2014, asi iri kuwedzerawo zvishoma kwe 2018).
- Zano: Kana iwe usingakwanisi kuyeuka kuti ungashanda sei nezviyero zvekuverenga, heino chikamu chekuwedzera.
Muenzaniso B
Maria ari musikana ane makore 45 uyo asina kubvumirwa kwemwedzi misere muna 2017. Zvose zve 2017, akanga ane inshuwalhu yehutano. Akawana $ 75,000. Heano maverengi aya:
Danho 1
$ 75,000 - $ 10,400 = $ 64,600
Mari yaMaria muna 2017 - kuvhara chikumbaridzo chemaseri asina kuroorwa = chikamu chemari yaMaria inoshandiswa kuverenga chirango.
Danho 2
$ 64,600 X 0.025 = $ 1,615
Chikamu chemari yaMaria inoshandiswa kuverenga chikamu X chikamu chechipiri che 2017 icho chiri 2.5% kana 0.025 = Mari yaMariya inowanikwa-ye-mubairo.
Danho 3
Tarisa tafura uye sarudza huru yezvipi zviviri. Murairo wechidiki we 2017 i $ 695. Sezvo izvi zvisingasviki chikamu chaMariya chepamu-ye-pfuma ye $ 1,615, Maria achaongororwa chikamu chikuru, chikamu-chekuwana mari.
Nhanho 4
(8/12) X $ 1,615 = $ 1,076.67
Maria anongofanira kubhadhara masere gumi nemaviri zvechirango ($ 1,076.67) sezvo iye asina kungobatsirwe kwemwedzi masere.
Nhanho 5
Ita kuti Maria haabhadhara zvakawanda. Chirango chacho chakakonzerwa pamusana wepakati rose wehurongwa hwehutano hwemhangura. Ivhareji yenyika ya2017 yebhandi-chirongwa chendarira chaiva $ 272 pamwedzi:
$ 272 X 8 mwedzi = $ 2 176.
Chirango chaMaria chakatorwa pamutengo wepakati pemarudzi masere masere ehutura-tier health insurance. Kubvira pakatarwa kwaMariya muzana-ye-mubairo kwemwedzi mitanhatu, $ 1,076.67 inopfuura pasi pemwedzi 8 wemwedzi ye $ 2 176, iyo kapu haicharegi chikamu chake.
Maria anofanira kubhadhara mutemo wega wega we $ 1076.67 paakauya naye mutero mukati megore ra2018.
Kana Mariya kana Stan vanga varaira chirango chakanga chiri chikuru kudarika chiyero chenyika chairo cherongwa hwehutano hwemhangura, chirango chavo chingave chakasununguka pamutengo wepakati wepasi weurongwa hwehutano hwemhangura.
Kana uri kubhadhara chikwereti nokuti iwe usina kubatsirwa gore rapera, iwe unogona kunge wakabhadhara kunze kwehomwe yezvokurapa mari yako. Mune zvimwe zviitiko, kurapa kwehutano mari yaunenge uchibhadhara kunogona kushandiswa sekutora mutero kune yako federal mitsva yemitero, asi mari yako yekushandisa mari inofanira kudarika 10 kubva muzana yemari yako mari isati yatorwa iwe.
Sources:
US Code 2011, Chikamu 26, subtitle D, Chitsauko 48, sec5000A.
IRS: Mibvunzo nemhinduro pane mumwe oga Mutoro wekugoverwa.
IRS: Mumwe Nomumwe Mutoro Wekugoverwa Kugadziriswa-Kuzivisa uye Kuverenga Kubhadhara.
IRS: Nzira yeZviwanikwayo 2016-24 neNzira yeMutero 2016-43 uye Nzira yeRubatsiro 2017-36 , uye Nzira yeMutero 2017-48
Congressional Research Service inoshuma: Mumwe Mumiririri uye Zvimwe Zvimwe Zvido Zvinowanikwa Pasi pePACACA