Kubhadhara rubatsiro kunowanikwa mari yakawanda, asi inogona kuoma
Nhamba yepamusoro yekodzero yemitero-inozivikanwawo sekubatsira-inonyanya kukosha kwe "inotengeswa" chikamu cheAgordable Care Act. Pamusoro pezvikamu zvizhinji, zvinowanikwa kune vanotsika uye vari pakati nepakati vanowana mari vanozvitengera inshuwarano yavo yehutano, uye vanovimbisa kuti ma-premium ari munharaunda inofungidzirwa kutenga.
Asi muzvokwadi, zvishoma zvakaoma kupfuura izvozvo.
Iwe unogona kushandisa ruzivo rwekubhadhara ruzhinji kana rubatsiro rwekubhadhara ruwanika kuHealthcare.gov kana shanduko yenyika yako yokuchinjana, asi nguva dzose pane mibvunzo pamusoro paani akakodzera uye asiri, uye kuti sei rubatsiro rwekubhadhara runouya nemigumisiro yavo.
Kukodzera Kupfuura Kuwana
Kunyange zvazvo mari yakawanda ndiyo inonyanya kukosha pakugadzirisa kukodzera, pane zvimwe zvikonzero zvinotorwa mukufungisisa. Iwe unofanirwa kuwanikwa zviri pamutemo muUnited States kuitira kuti utenge kugoverana kuburikidza nekushandiswa-kubhadhara kana kwete.
Uye kuitira kuti uwane rubatsiro rwekubhadhara, haugone kuwana ruzivo rwerongwa hwehutano hunobhadharwa hunopa huwandu hunokosha uye hunofungidzirwa kutenga. Muna 2016, "zvinotengeswa" zvinotsanangurwa sehuwandu husingawani mari inopfuura 9,66 muzana yemari inowanikwa mumhuri (izvi zvichawedzera zvishoma, kusvika ku9,69 muzana, muna 2017).
Asi zvakakosha kunzwisisa kuti izvi zvinokwana kuongororwa zvinongoshanda kune premium yevashandi.
Kana ruzivo rwemhuri ruwanika kuburikidza nepurogiramu inobhadharwa nevanoshandira, purogiramu iyo yemitero yakabviswa kumhuri yose haifaniri kuongororwa painoona kana chirongwa chinoshandiswa nevashandi chine mari.
Saka kana premium yevashandi iri pasi pe9,66 muzana yemari inowanikwa, uye kana chirongwa chevaranda chiripo kune vose vomumhuri, mhuri yose inonzi iine "mari yakakwana" yevashandi-inotsigirwa nehutano inshuwarhu (uye naizvozvo hakuna mumwe wavo vanokodzera kubhadhara mari inoshandiswa), pasinei nokuti mari yepamhuri yeimba yose inogona kunge iri pamusoro pe9,66 muzana yemari inowanikwa.
Chitubu chezasi chekusimbisa Chinotarisirwa neHurumende
Apo ACA yakanyorwa, chirongwa chacho chaiva cheMedicaid kukodzera mumamiriro ose ehurumende kuwedzera kusvika 138 muzana yehurombo uhu kutanga muna 2014, uye nokuda kwekubhadharwa kwepurofumi kunotanga pachikumbaridzo ichocho uye kuwedzera kusvika 400 muzana yehurombo uhu. Chaizvoizvo, munhu wose ane mari kubva kune zero kusvika 400 kubva muzana yehurombo huchava nehuwandu hwehutano hwakakwana hwehutano.
Asi apo Dare Repamusorosoro rakatonga muna 2012 kuti nyika inogona kusarudza kubva muMedicaid kuwedzera, yakakonzera matambudziko. Pakanga pasina urongwa muAACA yekuwedzera rubatsiro pasi pe100 muzana yehurombo, uye ichi ndicho chiitiko (zvichiitika, chakanga chiri chekunyora kwekunyora kwepamusoro kwakabvumira chidziro chepasi chekubhadhara mari kuti ive 100 muzana yeurombo-pane 138% yeurombo-in inotaura kuti pakupedzisira haina kuwedzera Medicaid).
Kubva munaJuly 2016, pane 19 dzinotaura apo kuwedzera kweMedicaid kusati kwatanga kushanda. Kuwedzerwa kwakaitwa muLouisana munaJune 2016, asi zvisinei, iyo mapurisa ekuwedzera ekupararira ichiri kutarisa zvakafanana neakaita pakupera kwe 2015.
Wisconsin inopa Medicaid kuparidzira kune munhu wose ane mari kusvika ku100 muzana yeurombo, asi mune dzimwe 18 dzinotaura, pane kuvhara kwevanhu vakuru vane mari pasi pehurombo-ivo vanongokodzera kuti vawane Medicaid kana vachikodzera maererano nehurumende yavo iripo , kazhinji zvakasimba kwazvo, mirayiridzo, uye havakwanisi kuwana rubatsiro rwepayimusi kana mhuri yavo inowana mari iri pasi peurombo.
Munyika iyo Medicaid isina kuwedzerwa , premium rubatsiro rwekubhadhara runotanga paurombo hwehutano. Muna 2016, iri $ 11,880 kune mumwe chete uye $ 24,300 yemhuri yevana. Vanhu vari pasi pehuwandu hwekuwana mari iyi havawanzove nekwaniso yekuwana kugoverwa zvachose.
Mune dzimwe nyika iyo Medicaid yakawedzerwa , kupiwa rubatsiro rwekutanga rubatsiro runotanga nemari inopfuura 138 muzana yehurombo huno. Muna 2016, iyo $ 16,394 yemunhu mumwe chete uye $ 33,534 yemhuri yevana. Vanhu vane mari pasi peyizinga vanokodzera Medicaid.
Ndeapi Uwandu Hwehurombo Hwegore Iwe Unoshandisa?
Chimwe chikamu chekuverenga chinogona kuvhiringidza ndechokuti ndedzipi mitemo yehurombo yegore inofanira kushandiswa.
Gore roga roga, hurumende yehurumende inodzokorora mitemo yehurombo pamusoro pekupedzisira kwaJanuary. Zvakakosha kuziva kuti kune matafura matatu akasiyana-siyana: rimwe reDDC uye 48 rine mazano, rimwe reAlaska, uye chechitatu kuHawaii (saka kupiwa rubatsiro kuHawaii neAlaska kunowedzera kune mari yakawanda kupfuura inenge iri munyika yose , uye Medicaid kukodzera kunowedzera kune imwe yepamusoro mumatunhu iwayo, sezvo vose vari kuwedzera Medicaid).
Pangopera hurumende itsva inotungamira hurombo, inoshandiswa kwegore rose-uye kusvikira gore rinouya remitemo rinosunungurwa-kugadzirisa kukodzera kweMedicaid uye CHIP.
Asi nokuda kwekupiwa rubatsiro rwepakutanga, hatitangi kushandisa mazano matsva ehurumende kusvikira hurumende yakatangwa inotanga pakuwa. Pane kudaro, tinoramba tichishandisa mitemo yehurombo yepamusoro iyo yakanga iri panzvimbo apo kunyora kuzarura kwegore razvino kwatanga. Nokudaro somuenzaniso, zvirongwa pamwe nemazuva ekupedzisira a2016 akazovapo pakutenga apo kuverengwa kwakasununguka kwakatanga musi waNovember 1, 2015. Panguva iyoyo, mitemo iripo yehurombo iripo yegore ra2015. Saka vanoenderera mberi kushandiswa kutsvaga kubhadhara mari yepamusoro yezvirongwa zvose ne 2016 mazuva anoshanda.
Izvozvo zvinoreva kana iwe uri kunyora muurongwa negore ra2016 rakagadziriswa semugumisiro wechiitiko chakakodzera , rubatsiro rwako rwekubhadhara runoenderana nemari yako yaunowana inofananidzwa nemitemo yehurombo hwe 2015 (kureva, rubatsiro hahuzowanikwi mhuri yevatatu kana mari yavo inodarika $ 80,360, iyo inenge 400 muzana yehupfumi hwe 2015).
Kana kutora kunyoresa kunotanga pakupera kwe 2016 kuitira kuti zvirongwa zvibudirire muna 2017 , kugoverana kunoshandura kumisangano yehupfumi ye 2016 yakasunungurwa pakupera kwaJanuary 2016. Asi munaNovember, kunyoresa kuchange kuchiwanikwa neDecember 2016 zuva rakagadzirwa nevanhu avo vari kunyora nekuda kwechiitiko chakakodzera. Kwavari, nhamba dzehurombo hwe 2015 dzinoramba dzichishanda.
Upper-Income Threshold Inotenderera Kuti Inguva Yenyu Yakadini Inodiwa
Kubatsirwa kwepa Premium kune inowanikwa kune vanoverengera vanowana mari kusvika ku400 muzana yehurombo. Asi izvi hazvirevi kuti vose vanyoresa nemari yepamusoro kusvika kumucheto iwoyo vanofanirwa kubhadharwa mari yepa premium.
Izvozvo ndezvokuti premium rubatsiro yakagadzirirwa kuchengetedza mari yechipiri-yakaderera-yegoridhe chirongwa ichi kana pasi pekugadziriswa kwemazana yezvakabhadhara mari yaunoshandisa (iyo yega yega inopesana zvichienderana nemari yako), achifunga kuti mari yavo haina kudarika 400 muzana yehurombo uhu.
Asi kana iyo premium isina kubhadharwa yechipiri chirongwa cheSirivha chakanyanya kudhura chinowanikwa kwauri chakatotapisa pane iyo yakatarwa muzana yemari yako, hapana rubatsiro runodikanwa. Izvi zvinonyanya kuitika apo vanhu vanogara munzvimbo dzine inshuwarhu yehutano yehutsika shoma, uye kune vechidiki vaduku. Saka hazvishamisi kuti vechidiki vawane kuti havakwanise kuwana rubatsiro rwema premium kunyange nemari inowanikwa pasi pe400 muzana yehurombo huno.
Zvose Zvinotsigira Kunofanira Kuyananiswa Paunoshandisa Mutero Wako Wekudzoka
Premium rubatsiro runozivikanwawo sepamberi premium tax credits (APTC). Izvi ndezvekuti rubatsiro rwekubhadhara huripo chikwereti chemutero, uye kana chiri kubhadhara kune utano hwehutano inshumo mwedzi mumwe nomumwe kuderedza mari yaunofanira kubhadhara muzvikwereti, iri kubhadharwa nguva isati yaitika, panzvimbo yekutora nguva yekuteresa.
Kazhinji mitero yemitero haigone kudzingwa kusvikira iwe ukakanda mitero mushure mekuguma kwegore, asi izvozvo hazvingashande zvakanaka munyaya iyi sezvo vanhu vakawanda vaiwana miriyamu yavo yepamwedzi isingabvumirwi pasina APTC.
Kana APTC inobhadharwa iwe pachako mugore, iwe-uye IRS- ichagamuchira Fomu 1095-A kubva kugoverana munaJanuary. Iwe uchashandisa ruzivo rwechimiro ichocho kuti uyananise APTC yako neyemutengo wekwereti yemutero waunonyatsokodzera , kana mari yako yakagadzirirwa kwegore.
Sources:
Dhipatimendi reZvipatano neHuman Services, Hofisi yeMubatsiri Munyori weChirongwa nekuongorora, Urombo Hwokufambisa sekusvika pfumbamwe / 25/2015.
Internal Revenue Service, Nzira yeRubatsiro 2014-62 .
Internal Revenue Service, Nzira dzeMutero 2016-24 .