Kana inishuwarenzi yako yehutano ichitsvaga mutero, kutora kubhadharwa kwekodzero yemari yehutano yemishonga yemishonga yehutano inogona kuva nehuwandu hwekuwanda kwaunokwereta kunaMuncle Sam. Zvisinei, mitemo pamusoro peinishuwarenzi yehutano inobhadhara mutero uye kuti yakawanda inogona kuderedzwa yakaoma sei. Heino chimbaridzo pamutero wekutora kwehutano inshuwarheni.
Apo Utano Inishuwarenzi Haisi Mutero Deductible
Iwe haugoni kutora kubhadhara mutero kune yveshuwarhu yehutano kunze kwekuti iwe uchibhadhara.
Kana mumwe munhu akaita saanoshandira kana hurumende achibhadhara miriyamisi yako yehutano yehutano, premiums iyo haibvumi. Kana iwe waunoshandira akaripa chikamu chemishonga yako yemainishuwarensi yehutano uye iwe uchibhadhara imwe chikamu, haugoni kutora kubhadharwa kwechikamu icho waunoshandira akabhadhara.
Wakatenga munhu wega wega kana yemhuri inshuwarisi yehutano paAn Affordable Care Act yehutano inshuwarheni ? Chero hupi hwekubhadhara huripo huripo mari iyo yakaderedza mari yemishonga yako yemainishuwarenzi yehutano haigoni kudzingwa semudzikinuri. Kunyange zvazvo mari yakabhadharwa mari yekubhadhara mari isingagoni kudzingwa semudzikinuro, mari yaunotenga iwe yakabhadhara kubva muhomwe yako inogona kuderedzwa. Iwe uchadzidza zvakawanda pamusoro pazvo gare gare.
Iwe haugone kutora kubhadhara kwehutano inshuwarheni yawakabhadhara nemutero wekutengesa.
Mipirogiramu inobhadharwa yehutano -based health inshuwarisi inowanzobuda mubhadharo yako mari yako isati yawanikwa. Izvi zvinoita kuti mari yako ione shoma, yakafanana nenzira iyo mari yaunopa nayo yako 401 (K) yekuchengetedza mari yekuita mari inoita kuti mari yako ione shoma.
Sezvo mari yemaimari iyi yakabhadharwa nemutengo wekutengesa mari, ivo vakatowana mari-isina mutero; iwe haugoni kuzvitora semari yekudhura.
Hazvive nechokwadi kana zvikwereti zvemishonga yako yehutano yehutano zvichabviswa mubhadharo yako isati yateresi kana mushure mekubhadhara? Zvikwereti zvemishonga yemishonga yehutano yemari inobhadharwa nevanoshandira imari inogara ichibhadharwa nemutero wekutengesa, asi kuongorora kaviri, iwe unogona kubvunza dhipatimendi rako rekubhadhara, kana kuita zvishoma zvemasvomhu.
Kana miriyamisi yako inobhadharwa nemutengo usati watere, iyo mari haigoni kuiswa semari muW-2 yako. Kana miriyamisi yako inobhadharwa nemutero wemutero, iyo mari ichabatanidzwa semari muW-2 yako. Kana miriyamu yako isati yakabatanidzwa semari inowanikwa muW-2 yako, haugoni kuitora semudzikinuro nokuti ivo vatove vasingabhadhara mutero (kunyange kana vakabhadhara nemutero mushure mekubhadhara mari, kukwanisa kwenyu kuzvidzora ive isina kukwana, sezvinotsanangurwa pasi apa).
Apo Utano Inishuwarenzi Mutero Deductible
Kana iwe uri wega-wega, premiums yako yehutano yemainishuwarenzi inogona kuderedzwa.
Kana iwe uri wekuzvidzivirira uye usingafanirwi neurongwa hwehutano hunobhadharwa nehutano kuburikidza nebasa reumwe wako, unogona kukwanisa kubvisa-kuvhara mari yako yemainishuwarensi yehutano. Iwe haugone kunyora zvakawanda muzvikwereti zvemishonga yehutano yehutano kupfuura iwe wawana, kunyange zvakadaro.
Panzvimbo pokunyora mishonga yako yemainishuwarenzi yehutano nemamwe emitengo yakabhadharwa pane Purogiramu A, apo iwe uri pabasa iwe pachako unofanirwa kuchinjwa kune zvaunowana uye zvakanyorwa papeji yekutanga yeFomu 1040 . Izvi zvine mhinduro yekuderedza mari yako yose.
Mune dzimwe nzira, kugadzirisa uku-kusvika-kupindira kunobatsira pane kuderedza tsika.
- Kana iwe usingaiti kuti iwe uzvitsaurire, iwe uchiri kubatsirwa nemari yekugadzirisa mari yako yepumisiyamu yehutano yehutano.
- Kubviswa kwezvizhinji kunowanzobudiswa pamatunhu makuru. Kuderedza mari yako yehuwandu nehuwandu hwemarikiti yako yemishonga yemishuwarenzi yehutano inogona kukubatsira iwe kugara pasi pechikamu-kunze kwezvimwe zvekuderedzwa.
- Kubviswa kwezvizhinji kunogona kutorwa chete kana vakapfuura imwe yero muzana yemari yako. Zvishoma zvishoma mari yako inowanikwa, zviri nyore kuti iwedzere chikamu ichocho uye inokumbira izvo zvakabviswa.
Kana iwe wakabhadhara mihora yako yemainishuwarenzi yehutano nemari yako mushure mekubhadhara mari, iyo inodhakwa.
Somuenzaniso, kana iwe wakatenga mumwe munhu kana hutano hwehutano inshuwarisi yehutano kuhutano hwehutano hwehutano kana huwandu kubva kune kambani yveshuwarenzi, mari yawakabhadhara kumishandiro enyu emwedzi emari yemainishuwarensi yehutano inogona kutorwa semutengo wokubvisa mutero.
Iwe unonyora izvi kubhadhara semari yezvokurapa pane Purogiramu A yeFomu 1040. Zvisinei, kuderedzwa kwemari yemari yose (kusanganisira mapeamisi) haigari, uye mari yaunogona kutora ichaenderana nemari yako. Iwe unodzidza zvakawanda pamusoro pekukanganiswa uku kwezasi.
Mamwe mapiamisi eMedareya anoverengwa semari yezvokurapa iyo inogona kuderedzwa kana iwe uchitora zvishoma.
Medicare Chikamu B , Chikamu D chekugadziriswa kwezvinyorwa, uye Medigap zvinyorwa zvekuwedzera zvinotarirwa kumari yako yose yezvokurapa (iwe unogona kukwanisa kugovera chikamu chemari yako yese yezvokurapa kana iwe uchiita zvekutora kwako, sezvinotsanangurwa pasi apa).
Medicare Chikamu mapurogiramu anononoka. Kana iwe wakavharwa pasi pehutano hwemagariro evanhu, unowana Medicare Part A zvisiri nyore nokuti iwe kana wako wako wakabhadhara mitero yebhadharo nokuda kwayo paunenge uchishanda. Iyi ndiyo nyaya yevanhu vazhinji, uye munyaya ino, hapana chaunogona kutenga kubva kune Medicare Part A.
Iwe unogona kukwanisa kubvisa mapeamisi ako aMedare A, zvisinei, iwe newawakaroorana naye:
- haana kubhadhara Medicare mitsara pawakanga uri kushanda, uye
- hauna kuvharwa pasi pekuchengetedzwa kwevanhu, uye
- iwe pachako wakanyoresa ku Medicare Part A, uye
- iwe unobhadhara mwedzi weChitatu A premiums.
Nhamba Yehutano Hwako Inishuwarenzi Imari Yakakosha Isingakoshi
Kana iwe uchikwanisa kutora kubhadharira kwehutano inshuwarano, kune mhedzisiro yehuwandu hwemabhaimari ako iwe unogona kunyora.
Kana uri kutora inshuwarhu yako yehutano inshuwarheni sekuderedza mari yezvokurapa pane Purogiramu A, unogona kubvisa chete mari yezvechiremba inopfuura 10% yemari yako yakashandurwa yakawanda (isati yasvika 2017, ichi chiyero chaingova 7.5 muzana kune vakwegura vane makore 65 nekure; iye zvino yava 10 muzana yevose filers)
Wedzera mishonga yako yemainishuwarensi yehutano uye wese wako akakodzera asingabvumirwi mari yezvokurapa seyako yakabviswa, copays, uye coinsurance. Kana vose avo pamwe chete vakakwirira kudarika 10% yemari yako yakagadziriswa yakawanda, unogona kutora chikamu chinopfuura 10% yemari yako. Dzidza zvakawanda pamusoro pekurapa-kudhura kwebhadharo, kusanganisira zvimwe zvikwereti zvinotarisirwa mairi, mu " Nzira Yokunyora Kushandiswa Kwemari Sezvokurapa Semutoro Wokudhara ."
Kana iwe uri kuzvipira uye uchitsvaga rubatsiro rwehutano hwehutano huri pabasa paFomu 1040, haufaniri kudarika chikamu che10% nokuti uri kunyora premiums iri sechigadziriswa kune mari yako pane kuwana . Mune mhaka yako, mari yaunogona kutora inokonzerwa nekubatsirwa kwako. Iwe haugoni kutora kugadziriswa kune mari yako yepuraimari yemainishuwarenzi ehutano iyo yakakura kudarika yako yaunowana.
Yakarongwa naLouise Norris.
> Sources:
> Internal Revenue Service, Publication 502, Zvokurapa uye Mazino Emari.