Iko ACA's premium rubatsiro rwekubhadhara inobva pane mari, kwete mari
Premium tax credits (aka premium rubatsiro) ndiyo inonyanya kukosha ye "inotengeswa" chikamu cheCountable Care Act (ACA). Pasina ivo, kugoverana mumusika mumwe nomumwe kungave kusingagoneki kune vakawanda.
Kuisa izvi nenzira yakajeka, ramba uchifunga kuti chiyero chekutanga-kubhadhara mari yepurogiramu yezvigadziro zvakatengwa mumwedzi miviri yekutanga ye 2016 nguva yekunyora yakazarura kuburikidza neHealthcare.gov inodarika $ 408 pamunhu pamwedzi.
Asi mavhareji mushure mekubhadhara mari yepamusoro inosvika $ 113 pamunhu pamwedzi. Uye 85 kubva muzana yevanhu vakanyoresa zvirongwa kuburikidza neHalthcare.gov vari kugamuchira rubatsiro, sezvo vari 78 muzana yevanhu vakanyoresa kuburikidza nehutano hwezvematongerwo enyika muhurumende dzisingashandisi Healthcare.gov.
Zviri pachena, rubatsiro runoita kuti inshuwarhu yehutano inobatanidzwa yakajeka kupfuura zvingasvike. Asi pane pfungwa dzenhema yokuti Obamacare premium rubatsiro inoratidziro yehutano, uye / kana kuti ivo chete vanobatsira mhuri dzine mari shoma.
Chikonzero nei Premium Support inenge Isingabatsiri
Izvo zvikwereti ndeye chikwereti chemutero - kunyangwe mutero wemutero waunogona kutora mberi, wakabhadhara zvakananga kune yehutano yekambani yehutano, kune kumira kumirira kubhadhara pamutero wako wekudzoka sevamwe zvikwereti zvemitero. Uye zvinoshanda zvakangofanana nezvimwe zvikwereti zvemitero zvinogadzirisa kukodzera kubva pane mari - somuenzaniso, chikwereti chemupiki uye chikwereti chemutero wemwana.
Mimwe mitero-yakakosha mamiriro ezvinhu - kufanana nemagariro evanhu vemitambo yeIRA kana iwe uine chirongwa chekurega basa kubasa, mibairo yeRoth IRA, uye kubhadhara chikwereti chemari yevadzidzi - inowanikwa chete kana mari yako iri pasi peimwe chikumbaridzo.
Kubatsirwa kwepa Premium hauna maturo , asiwo hapana mimwe mienzaniso inotaurwa pamusoro pekuwana-kukwana kwekodzero yemitero uye mitsva inobhadhara mitero.
Izvozvo zvinoreva kuti kubhadhara kwako kune chikwereti chemutero hazvibvi pane zvaunenge watova nazvo muzvinhu; zvinongoenderana nekuwanda kwamunowana munguva yegore.
Izvi zvakasiyana nemapurogiramu akadai seSNAP (Supplemental Nutrition Assistance Program), iyo ine mvumo yemiganhu inobva kune zvose zviripo uye zvinhu / zvigadzirwa.
Zvikwereti zvepamberi pasi peAACA zvinowanikwa kune mhuri dzine mari kusvika kune 400 muzana yehurombo. Kune mhuri yevana, iyo $ 97,000 muna 2016 (nokuda kwehupfumi hwe 2016, mitemo yehupfumi ye 2015 inoshandiswa). Icho hachisi mari yakaderera-yakaderera neipi ipi zvayo yekufungidzira; premium rubatsiro rwekubhadhara runoenderera mberi kusvika pakati pepakati pekirasi.
Asi Zvakadini Nevanhu Vane Zvinhu Zvikuru?
Chimwe chezvinhu zvinowanzoitika pamusoro pekubhadharwa kwepamberi kunobatanidzwa nekukodzera kwepamusoro-inotarisira mhuri dzine zvinhu zvakakosha asi mari yakawandisa yegore rose. Vokutanga vepatoti vemuenzaniso mumwechete; vangangodaro vakaponeswa kwemazana emakore kuti vawane mari yakawanda inokosha, uye ikozvino vobva vasara-vasati vava nemakore 65 apo Medicare inowanikwa - uye kurarama kubva pamari inogadzirwa nemari yavo. Somugumisiro, mari yavo inogona kunge iri mukati mekubhadhara-inokodzera kukodzera, pasinei nokuti vanogona kunge vane nhanhatu kana vanomwe muzvikwereti zvekutsvaga mari.
Ndiyo tsika here kuti vanhu ava vashandise rubatsiro rweAAA premium? Nyaya yacho inouya nguva dzose pane dzakasiyana-siyana dzemakambani emakambani, uye nguva dzose pane vanhu vanoti mari yepayimusi inofanira kushandiswa chete nevanhu "vanovada", kana chete ne "varombo" vanhu.
Asi hapana chimwe chezvirevo izvi chinotsanangurwa zvine musoro. Kutsigirwa kwepa Premium kune chikwereti chemutero. Mvumo yemitero haisi maererano ne "chidikanwi," ivo vanobva pane nhamba. Kana iwe uchikodzera maererano nemitemo ye IRS, iwe unokodzera - hapana chinotenderera pamusoro pekwereti yemitero.
Uye sezvakataurwa pamusoro apa, rubatsiro rwemari yepamusoro runowanika kumhuri dzepakati pekirasi - dzaisati dzakagadzirirwa chete "varombo" vakanyoresa.
Kana vanyori vematare avo vakanyora ACA vaida kubhadharwa mari yepamusoro kuti vawane maitiro ekutsvaga (kureva, seSNAP, kana kuti Medicaid kukodzera kune vakwegura vanoda rubatsiro rwekuchengetedza musha), vangadai vakazvibatanidza uye vangasarudza kuita saizvozvo pane imwe nguva munguva yemberi.
Asi kuwedzerwa kuongororwa kwepfuma kungadai kwakaita kuti zvigadzirwa zvakatoita zvakaoma kunyange zvakadaro, uye zvingadai zvakaratidza vavariro yevatongi, iyo yaizoita kuti vanhu vakawanda sevangagona muhutano hwehutano hwehutano hwehutano kuitira kuti kuderedze uwandu husina kuvimbiswa uye kupararira kwehutano hwehutano akayambuka semvura yakazara dzimba sezvazvinogona.
Somugumisiro, tine rubatsiro rwekutanga rubatsiro runoita zvakafanana nezvimwe zvikwereti-zvishoma zvakatarwa zvemitero zvinoshandiswa kune vakawanda vepakati peboka. Kubvumirwa kune iyo mitero yemitero haina chokuita nehupfumi, uye zvose zvinoenderana nemari. Zvechokwadi, hazvina maturo - uye hazvisi pamutemo - kuratidza zvisina kufanira zvaunowana kuitira kuti uwane mvumo yekubhadhara mitero. Asi chero bedzi iwe uri kunyatsoburitsa mari yako kune IRS, hapana chakashata pamusoro pekutora chikwereti chemari kana iwe uchikodzera kwavari.
Zvinotarisirwa kuti, hazvishamisi kunzwa vanhu vachitaura kuti hazvina maturo, semuenzaniso, kudai chikwereti chemutero kana mwana wechikwereti apo muteresi ari mubvunzo ane zvinhu zvakawanda. Asi nokuda kwezvinangwa zvose, hapana musiyano pakati pematero ekubhadhara mutero uye chikwereti chemutero wechikwereti, kunze kwekuti chikwama chekambani chemitero chinogona kutorwa nguva isati yasvika gore rose, ndokuzobatanidza pamutero wako wekudzokera .
Izvo zvisingashamisi kuti chero munhu upiwe mubvunzo kuti mari yakakosha yemhuri inokodzera kubhadhara-inotsigirwa hutano inshuwarisi (yakawanda iri), zvisinei nokuti zvirongwa zvakadaro zvakanyanya mari-inobatsira. Maererano neshumo ye2016 CBO, hurumende inorayirwa kushandisa $ 3.6 triliyoni inotsigira bhizimisi-inotsigirwa inishuwarenzi kubva muna 2017 kusvika muna 2026 (pamusana pekuregererwa kwepaimari inobva pamari uye mari yemitero), asi chikamu chimwe chete pazvina zvemazana acho mumwe pamusika.
Chero zvingangodaro, kuparadzanisa kwezvematongerwe enyika kwakapoteredza ACA ndicho chikonzero chekusaziva pamusoro pekubhadharwa kwepaimari yepamusoro sehupenyu hwehutano, apo ivo chaizvoizvo vanongova nemari-vashoma mari yechikwereti, sevamwe vakange vagara varipo kwenguva refu pamberi pe ACA.
Kana Uri Mvumo yeMutero Wemitero, Tora
Muchidimbu, haufaniri kunetseka kuti hazvina maturo kuti utaure kubhadhara mari yako yepamusoro nokuti iwe une dendere rakakura egg. Iko chikwereti chemutero, sezvimwe chero chikwereti chemutero. Vanyori venguva yakawanda vanowanzozivisa kuti vachakuwana zvose zvinokonzerwa nemutero uye kubhadhara, uye vateresi vemitero vanowanzotenda chero zvipi zvavanowana pamutero wavo wekubhadhara.
Zvingave zvichibvisa zvinhu zvakadai sekutora chikwereti, zvipo zveHSA, chikwereti chechikwereti chevadzidzi, kana mipiro yeIRA, kana kukumbira zvikwereti zvemutero sechikwereti chemupiriri kana mutero wechikwereti chemutero, vazhinji vanofambisa mutero vanofara zvikuru kuguma nechezasi pasi mutero. Uye pamagumo ezuva, iyo ndiyo yose yepayimusi yemitero inowanikwa.
Iwe Unogona Kumirira Kuda Kubhadhara Kwekubhadhara Mutero Wako
Kune vamwe vanhu vane zvinhu zvinokosha, zvinogona kunzwa zviri nani - uye vanoziva - kubhadhara mutengo wakakwana we inshuwarhu yehutano gore rose (uchifunga kuti unokwanisa kuita zvakadaro) uye wobva watora chikwereti chemutero wechikwereti pamutero wako wekushandisa uchishandisa Fomu 8962 .
Chero bedzi iwe uchitenga kugoverwa kwako kuburikidza nekushandurwa (kunze kwekutsinhanisa zvirongwa hazvikwanisi kubhadhara mari yepamusoro yekodzero), vanokodzera kubhadhara mutero kubva pane zvamunowana uye mari yeurongwa hwekuenzanisa munzvimbo yenyu maererano nemari yako, uye unosangana nezvimwe zvinotarisirwa zvinotarisirwa pamutero wekubhadhara mutero , iwe unogona kutora chikwereti chako chemari kare (kureva, inobhadhara zvakananga kuhutano hwehutano inshumo mwedzi mumwe nomumwe), kana pamutero wako wekubhadhara sezvaunoda chero imwe chikwereti chemitero.
Asi neimwe nzira, iva nechokwadi chokuti hapana chinhu chisiri chekutaura pamusoro pekudaidza mutero wekambisi yemari kana mari yako inokuita kuti ukwanise. Zvinhu zvako hazvisi chikamu chema equation.