Iko Inogadziriswa Care Act yakasayirwa mutemo muna 2010, uye zvizhinji zvezvikamu zvayo zvakange zvashandiswa kutanga kwe 2016. Asi chimwe chikamu chemurairo chinonzi "Mutero weCadillac" hachizoperi kusvikira 2020. Mutero weCadillac waiva pakutanga iyo inofanirwa kushandiswa muna 2018, asi munaDisemba 2015, vatongi vemitemo vakapedza mari yekushandiswa kwemari inoshandiswa iyo yakaisanganisira kuchemedza kwemakore maviri pamutero weCadillac.
Panozopedzisira yaitwa, mutero weC Cadillac uchaisa 40% mubhadharo wekodzero pane chikamu chemishandirapuru yemishonga yehutano yehutano inoshandiswa pamusoro pehuwandu pamusoro pehuwandu hwemadhora (iyo mari inobva kumutero inogona kushandiswa kuvhara zvimwe zvikamu zveAACA, sekubhadharwa kwepamberi mu the exchanges ). Chivako chekutanga chepamusoro apo mutero wekambiso waizoshandisa waiva $ 10,200 pamitambo yegore negore yemunhu mumwe chete muna 2018 madhora, uye $ 27,500 mumitambo yegore negore yekuvhara mhuri. Izvi zvinosanganisira zvose muhomwe iyo mushandi anorayira, pamwe chete nemupiro wevashandi kune pekutanga.
Saka kana premium yako yehutano yehutano yepayimende yakange iri pamusoro pemari iyo, mushandi wako aifanira kubhadhara 40 muzana yemari yemari yemugove pane chikamu chepayamu iri pamusoro pematunhu iwayo. Zviri pachena kuti izvi zvinoita kuti vashandi vatore matanho ekuchengetedza zvikwereti zvizere pasi pezinga iyo mutero we Cadillac unoshanda.
Ndeipi Kubatsirika kweKadillac Tax?
Mhedziso yekare yemutero weCadillac yaiva yekuita zvirongwa zvehutano zvakakwirira zvikuru zvisingakoshi kune vashandi, uye naizvozvo zvishoma. Kunetseka kwaiva kuti kana vanhu vane zvirongwa zvehutano izvo zvisingabhadharwi -kugoverana uye vazhinji ve "mabhero nemaridzi," vangangodaro vanowedzera kubatsirwa kwehutano sezvo chirongwa che inshuwarisi-panzvimbo pemurwere-chiri kubhadhara vose kana kupfuura zvose zvinodhura.
Uye inoshuwarenzi yehutano yehutano yakagara yakave isina kubhadharwa kubva pamutero unowanikwa . Saka patinotarisa mubairo wevashandi-kusanganisira mubhadharo pamwe nekuwedzera kwehutano inshuwarisi nezvimwe zvipo-kune chikurudzira kune vashandirwi kupa chikamu chikuru chekubhadhara muhutano hwehutano inshuwarheni, pane mhindu. Yakabatana nemari inoramba ichiwedzera yehutano hwakanaka, izvo zvinokurudzira uye zvinetso pamusoro pekushandisa zvakanyanya zvakaunza kuiswa kwemutero we Cadillac muAACA.
Zvakadini Nezvokuperesa?
Sezvo mutero weCadillac wava kurongerwa kutanga muna 2020 panzvimbo ye 2018, mutengo wokutanga wepamusoro apo mutero uchashanda unotarisirwa kuva $ 10,800 nokuda kwekugoverwa kamwe chete, uye $ 29,100 nokuda kwehuwandu hwemhuri, nekuda kwekutsvaga kweplationary inoshanda kune mutero weCadillac .
Saka muna 2020, kana chirongwa chehutano chaiva nemari yepamusoro ye $ 11,500 kune umwe mushumiri, chikamu chemari yepamusoro pamusoro pe $ 10,800 (mune mamwe mashoko, $ 700) yaizoiswa pasi pemutero weCadillac. Uye kunyange zvazvo mutero iwoyo unogona kuongororwa kune waanoshandira, economists inobvumirana kuti mari yakadai inopfuurirwa kune chirongwa chehutano chekunyora (kuburikidza nepamusoro-soro, somuenzaniso).
Kutanga muna 2021, mutengo wekutanga-pamusoro peiyo mutero weCadillac unoshanda-ungawedzera nehuwandu hweChina chekutengesa Indekisi (CPI) kukura gore negore.
Dambudziko? Mari yekushandiswa kweutano yakange ichikura nokukurumidza kudarika CPI kwenguva yakareba. Uye kunyange zvazvo zvichibvira zvinogona kuchinja mumakore amangwana, mukana wakajeka wekuti hauzorevi kuti mutero weCadillac ungaguma wava "Chevy mutero," sezvo mapurogiramu anowanzokwira nokukurumidza kudarika chikamu chekutanga apo mutero weCadillac unopinda.
Kunyange zvazvo zvisingashamisi nhasi kuva nehutano hwehutano inshumo nepamusoro pe $ 10,800 kune mumwe munhu, kana kuti $ 29,100 yemhuri, zvinogona kunge zvisingashamisi kuva nehutano hwehutano hunokonzerwa nemari iyo (yakawedzerwa neCPI) muna 2030 kana 2035, kana miriyamisi yehutano yehutano ichiri kuramba ichiwedzera nokukurumidza zvikuru kupfuura CPI.
Mhedzisiro yacho ingave kuti kuwedzera kwezvirongwa zvaizova pasi pemutero wekutengesa gore roga roga, tichifunga kuti kukura kwekuwedzera kunoramba kuchiwedzera kuwedzera kwenyika. Uye pakupedzisira, kumhanya-kwe-the-mill zvirongwa (zvinopesana nemazano ekupedzisira-kumagumo) zvingave zvakakanganiswa.
Kuti Cadillac Mutero Ichaita Sei Kubasa Kwevashandi
Kushandiswa kwemutero kwave kuchiri kwemakore mashomanana kunze, asi kubvumirana kwakawanda ndeyevashandirwi vacharamba kudzivisa kuripa, uye saka vachashanda kuronga zvirongwa zvavo zvehutano kuitira kuti zvikwereti zvegore negore zvigare pasi pechikumbaridzo apo mutero weCadillac unotanga apply.
Nzira yakajeka yekuita izvi ndeyokuwedzera kugovana-mari kune chirongwa, kuburikidza nemadhora akakwirira, ma-copays, uye kunze kwe-pocket maximums (mukati memahombekombe kunze kwemahombe anodiwa neAACA ). Zvechokwadi, izvozvo zvinogona kutarisana nechinetso icho mutero weCadillac wakagadzirirwa kugadzirisa, sezvo pfungwa yose yaive kurega kubva kune zvirongwa zvinotakura zvose kana kuti zvese zvinodhura mari yekuchengetedza hutano, mukuedza kuve nechokwadi chokuti vanhu vasiri kunyanya kuderedza utano hwehutano.
Uye apo izvo zvingangove zvichiitika, dambudziko nderekuti kana kunze kwekugadzirisa mari kunowedzera, vanhu vanowanzochera kwete kwete pane zvese zvehutano zvisina kufanira asiwo pane zvinodiwa zveutano . Nokufamba kwenguva, izvo zvingaguma nemamiriro ezvinhu asingagumi asingadzorwi zvakanaka, uye mari yekuchengetedza yehutano yakakwirira kudarika iyo ingadai yakave iyo kutarisirwa kusati kwadziviswa nekuda kwemari.
Panewo kunetseka kuti vamwe vashandi vanogona kuva nehutano hwehutano husingaiti "Cadillac" mumasikirwo (kureva kuti, maitiro ayo haasi nani zvakanyanya kudarika mavhareji), asi iyo ine yakakwirira-kupfuura-inopera miriyamu nekuda kwezvakaitika kare kana mushandi wemushandi.
Izvo ACA inorambidza kushandisa zvinyorwa zvemangwana kana zvikwata zvemabhizimisi kutarisa zvikwereti zvinoshandiswa zvinoshanda chete mumashamba emunhu mumwe nomumwe uye maduku; mumusika mukuru weboka, vanoti nhoroondo nemabhizimusi zvinogona kuve nechinzvimbo mumapurayamisi. Saka kunyange mutero weCadillac uine chinangwa chokuderedza nhamba yezvirongwa zvinopa zvechokwadi kuguma kwekupedzisira, kushandiswa kwemataundi anotonga hurongwa huripo kubva pamayero ega ega angave asina kukanganisa, mune zvimwe zvirongwa zvepamusoro zvinogona kuva nezvikwereti zvakakwirira nokuda kwezvikonzero zvimwe kunze kwekubatsirwa kwavo.
Kunewo zvinetso zvekuti mune dzimwe nyika se Wyoming neAlaska, apo hutano hwehutano-uye saizvozvo, mari yemishonga yehutano yehutano-inodhura kudarika mavhareji, zvimwe zvirongwa zvingangopinda muKadillac mutero net, pasinei nekupa zviyero zvepabonde.
Ko Mutero weC Cadillac Uchatsiviwa Here?
Pakati pezvino ne2020, zvinoita kuti mutero weCadillac ungabviswa. Mutero kazhinji unotsigirwa kubva kune vezve economists (kusanganisira Mutungamiri weKomiti ye Economic Economic Advisors). Asi vashandi, masangano, vatengi, uye vezvematongerwe enyika-kumativi ose etare-vanowanzopikisana naro.
Democratic Democratic's 2016 platform inodaidza kubhadhara mutero weCadillac, uye GOP yakagara ichida kuti kubviswa kwemutero-pamwe chete nezvose kana zvizhinji zveAIDS. Zvichipa kupikiswa kwebipartisan kune mutero, kune mukana wekuti haugone kurarama kwenguva yakakwana yekushandiswa muna 2020.
> Sources:
> Congress.gov. HR2029, Consolidated Appropriations Act, 2016. Yakagadzirwa 12/18/2015.
> Congressional Budget Office, Gore ra2016 Budget Rokupedzisira, muna 2016.
> Gable, Jon; Pickreign, Jeremy; McDevitt, Roland; Briggs, Thomas. Kutengesa Cadillac Health Plans May Itai Chevy Zvibereko. Health Health, January 2010, Vol 29, Kwete 1.
> Haviland, Amelia M .; Eisenberg, Mateu D.; Mehrotra, Ateev; Huckfeldt, Peter J .; Sood, Neeraj. Unoita "Mutengi-Anotungamirirwa" Utano Hwakagadziriswa Bend the Cost Curve Over Time? National Bureau ye Economic Economic, March 2015.