IAACA inobvumira "pfupi pfupi" mukuparidzira-heino kuti inoshanda sei
Chinangwa chepamusoro cheAne Affordable Care Act ndechekuwedzera hutano hwehutano hunoendesa kune vakawanda veAmerica sezvinobvira. Panyaya iyi, yakave nokubudirira kukuru, nehuwandu husina kuvimbiswa huchidonhera pasi pe9 muzana muna 2016 (kunyange huchiwedzera zvakare muna 2017-2018). Kubva muna2012 kusvika muna 2016, nhamba yevanhu vane inshuwarhu yehutano muUnited States yakawedzera nekusvika mamiriyoni makumi maviri.
Asi nepo kuwanika kwehutano inshuwalisi kwakakosha, zvinokosha zvakare kuti vanhu varambe vachienderera mberi vachienderera mberi. Kuchengetedza vanhu vakawanda sezvinobvira mumvura yakaoma-kunyanya kana vaine hutano uye vasingadi kudiwa nokukurumidza-vanochengetedza mapeamendi anotengesa. Uye apo utano hwehutano hwehutano husingasviki, hunenge hwakanyanya marika kana vanhu vachigona kumirira kusvikira vairwara vasati vatenga kutenga.
Chirango Chekusimbiswa Usingaiti-Chine Mhinduro Muna 2018
IAACA ine karoti yakawanda nenzira yakatsigirwa-nyaya inoshandiswa uye rubatsiro rwekuita nekugadzirisa uye kutarisira zvisingakwanisi, kusanganisira rubatsiro rwekutanga, uye kubhadhara mari dzinobatsira. Asi panewo tsvimbo, nenzira yehutengo yemari kune vanhu vanokundikana kuchengeta utano hwehutano inshumo gore rese.
Chirango chacho chakaitwa muna 2014, uye chakawedzera zvishoma nezvishoma muna 2016. Kubva muna 2017 ne2018, chirango chakaramba chichienzaniswa zvakafanana muna 2016.
Chirango chichabviswa shure kwekuguma kwe 2018, zvisinei, semubairo weRhafu Cuts uye Jobs Act (HR1) yakagadzwa kumapeto kwegore ra20177. Asi muna 2018, chirango ichi chichiri kushanda , sezvachakabva muna 2014.
Ivhareji chirango chevanhu vakanga vasina kuvimbiswa muna 2015 chaiva $ 470-kubva kubva ku $ 210 gore rapfuura.
Uye maererano nemashoko ekutanga kubva kuRRS , avhareji yepamutemo yaive $ 667 yevateresi vematarenda avo vaifanira kukwereta chirango chekusabatsirwe muna 2016 uye avo vakanga vatora mitero yavo yepamusoro kutanga kweMarch, 2017.
Chirango chevanhu vakanga vasina kuvimbiswa muna 2017 chichava chakafanana nechakaitika muna 2016, uye chichave chakafanana kune avo vasina kuvimbiswa muna 2018.
A Paka Pfupi Mukuvhara-Izvozvo Zvinoshanda Sei?
Asi pane zvakawanda zvisingabhadharwi kubva kune chirango. Chimwe chazvo chirongwa chinobvumira vanhu kuti vave nechepakati shoma shoma pakugoverwa mugore rose, chero bedzi iri pasi pemwedzi mitatu yakareba . Izvi zvinodaro zvichitsanangurwa, asi pane zvimwe zviratidzo zvingada kujekeswa:
- Chiyero chekuvhara inofanira kunge chiri pasi pemwedzi mitatu yakareba. Chero bedzi iwe uine chinyorwa kwezuva rimwe chete mumwedzi, iwe unofungidzirwa kuva nehuwandu hwemwedzi iwoyo. Saka, somuenzaniso, kana chirongwa chehutano kuburikidza neimboimbova mushandirwi chaiva kupedzisa musi wa15 Chivruvhu (kwete chiitiko chinowanzoenderana nehurongwa kupedza pazuva rimwe kunze kwezuva rokupedzisira remwedzi, asi zvinogoneka), unogona kuva asina kuvimbiswa kwekupedzisira kweMarch, yose yaEpril, uye yose yaMay. Asi iwe unoda kuva nekugoverwa panzvimbo yeJune kuitira kuti usapinda chirango. Uye imwe yveshuwarhu yehutano inshuwarheni ikozvino inongowanikwa neyekutanga-ye-mwedzi yakagadzirirwa mazuva (kunze kwekuti iwe uine mwana mutsva kana kuti unotora mwana uye uri kudzokera shure kugoverwa kusvika musi wekuzvarwa kana kuberekwa).
- Iwe unongogamuchira mukana wekukanganiswa kwechikamu chimwe chete muhuwandu hwegore negore. Saka kana iwe usina kuvimbiswa kwemwedzi umwe munaJune uye usingabatsirwizve kwemwedzi munaSeptember, iwe haungasunungurwi kubva kune chirango munaSeptember.
- Kana iwe usina kutenderwa pamagumo e 2017 asi kwete kwenguva yakakwana kuti utange chirango muna 2017, IRS ichawedzera nguva iyoyo pahuwandu hwehuwandu hwenhare yako yekuvhara kana iwe usina kuramba usina uninsured pakutanga kwe 2018. Saka somuenzaniso, kana iwe wakanga usina kuvimbiswa munaNovember, December, January, naFebruary, iwe haungabhadhara chikwereti che 2017, sezvo gwaro rako rekuvhara gore iroro raive mwedzi miviri chete (uchifunga kuti iwe wakachengetwa kubva munaJanuary kusvikira munaOctober). Asi kupera kwako kwe 2018 kunotangira kubva munaNovember, uye kwaizotora semwedzi mina-uye iwe uchapiwa chikwereti. Kana kukanganisa kwako kugoverwa kumagumo e 2017 kwaive kwenguva yakakwana zvokuti iwe wakakweretwa chirango (somuenzaniso, Gumiguru, November, December), ipapo kukanganisa kwako pakurongwa kwe 2018 kwaizotanga kuverenga saJanuary-kureva, havazoiti kaviri-inokutora kwemwedzi imwe chete, asi iwe haugoni kuisa mazamu maviri emwedzi miviri mumwe nemumwe shure kumagumo / kutanga kwegore nekudzivirira chirango.
- Kana kukanganisa kwako mukuvhara kwepamwedzi kunotora mwedzi mitatu kana kupfuura, iwe uchabhadharwa chikwereti, uye icho chichashandirwa kuhana yose. Chirango chechipiri chinokonzerwa nehuwandu hwausina kubatsirwe (1/12 yechirango chegore negore, ichiwedzerwa nenhamba yemwedzi wausina kuvimbiswa), asi kana kukanganisa kwako kugoverwa kwemwedzi mitatu kana kupfuura, hakuna rimwe remwedzi isina kuvimbiswa vari kusunungurwa kubva kune chirango.
- Chirwere chegore rose muna 2018 ndicho chikuru che : $ 695 pamunhu mukuru asina kubhadharwa (hafu yeko mari yacho kumwana), kusvika pa $ 2,085 yemhuri yose yemutero, kana MA 2.5% yemari inowanikwa mumhuri pamusoro pemutero wokutumira mutero (iyi ndiyo zvakafanana nehupfumi hwe 2016 ne 2017, kunyange zvazvo chirongwa chepakati chakanga chagadziridzwa kuwedzera kwekuwedzera kwegore gore rose kubva muna 2017, IRS yakatsanangura kuti kuwedzera kwekuwedzera kwegore ra2017 uye 2018 kwaive zero, saka chirango hachina kuchinja). Muchidimbu chako cheporated mwedzi wega wega ndeye 1/12 yemutengo wegore wegore. Kana iwe uine mukana wekugoverwa kwemwedzi mitatu kana kupfuura (uye iwe hauna kukodzera kune imwe yezvimwe zvekuregererwa kubva kune chirango), iwe uchabhadhara 1/12 yehuwandu hutengo nguva iyo mwedzi yemwedzi yawakanga uri uninsured. Chirango chinounganirwa apo iwe ukakwereta mutero wako wekubhadhara (kana iwe uchikwereta kubhadharwa, IRS ichabvisa chikwereti kubva pakubhadhara mari yako).
- Kana iwe uine pfupa rimwe pfupi mukuparidzira kunopera mwedzi inopfuura mitatu, iwe unogona kutora chikwereti chako kubva pane chirango iwe paunoshandisa mutero wako kudzoka.
Ko Congress haina kubhadhara chirango here?
Hongu, Congress yakaderedza mutemo wega wega, pasi pemitemo yeRhafu Cuts uye Jobs Act, yakagadzwa munaDisemba 2017. Inyanzvi, mutemo wakachengetedza gwaro rega rega pachavo-mutemo unoti vanhu vachiri kuramba vachichengetedza-asi chirango yakaderedzwa kusvika $ 0 nemutemo.
Asi urongwa hwemutero wekuteresa hahutangi kusvika kusvika muna 2019. Vanhu vasina kuvimbiswa muna 2018 uye vasina kukodzero yekuregererwa kwechikwereti vacharamba vachitarisana nechirango pavanoshandisa mutero wavo wekutora 2018 kutanga kwegore ra2019.
Uye kunyange zvazvo mazuva echirango ari kuverengwa, IRS yakanyatsosimbisa kutongwa kwechirango muna 2018. Kutanga ne 2017 mutero wemitero (yakabudiswa kumavambo 2018), IRS haichagoni kudzorera iyo isingapinduri mubvunzo pamusoro pekuti Mutero wemitero waiva nehutano inshuwarhu mukati megore. Mumakore apfuura, IRS yakabvumira kuti mhinduro idzi dzigadziriswe, asi izvo zvisiri zvakare.
> Sources:
> Centers for Disease Control, National Centre for Health Statistics. Utano Inishuwarenzi Inoshandiswa: Kubudiswa Kwokutanga kweZveruzhinji kubva kuNational Health Interview Survey, muna 2016 .
> IRS, Revenue Procedure 2016-55 .
> Komisheni weRS, John Koskinen. Tsamba kune Congress pamusoro pekuripa mhosva uye chepa APTC yemutero we2014 yea r. January 8, 2016.
> Komisheni weRS, John Koskinen. Tsamba kune Congress pamusoro pekuripa mhosva uye zvipo zveAPTC zvegore ra2015. January 9. 2017.
> Treasury Inspector Mukuru Wekuteresa Kwemitero. Zvinyorwa Zvitsva zve 2017 Kuzadza Mwaka . March 31, 2017.