Hungu, chirango chaAACA chairo chechigodhi chiri kushanda, uye chicharamba chiri kushanda muna 2018. Kana usina kubvumirwa muna 2018 uye usingakodzeri kubhadhara, iwe uchapiwa chikwereti paunotora mitero yako kutanga kwegore ra2019 Asi shure kweizvozvo, chirango hachizoongororwa.
Anenge makore masere mushure mekunge yaitwa, zvikamu zvakawanda zveAgordable Care Act (aka Obamacare) zvinotsigirwa nevakawanda veAmerica.
Izvi zvinosanganisira kugadziriswa-nyaya inoparidzirwa pasinei nemamiriro ezvinhu asati atovapo , premium tax credits ( rubatsiro ) runoita kugoverwa kusingakwanisi, kugoverwa kwezvakakosha zvehutano , kubviswa kwegore uye kwoupenyu hunobatsira maxums , nekuwedzera kweMedicaid .
Asi munhu wacho akagovera chirango chemhosva , aka chiremera chomumwe munhu, yakaramba ichigadziriswa mutemo. Mutemo wakatanga kushanda muna 2014 uye unoda kuti vese vekuAmerica varambe vachichengetedza hutano inshuwarheni kunze kwekuti vakakodzera kusunungurwa . Pane chirango chinoongororwa ne IRS kune vanhu vasingaiti kuchengetedza uye vasina kukodzera kubhadhara.
Chirango Chinotanga Kubuda Muduku Asi Yakakwira Nguva
- Muna 2014, chirango chaiva $ 95 pamunhu mukuru asina kubhadharwa (hafu yeko mari yacho pamwana), kusvika pa $ 285 pamhuri, kana 1 muzana yemari yepfuma iri pamusoro pemutero wokutumira mutero.
- I IRS yakashuma kuti pakati pevateresi vematare avo vane chikwereti chechirwere chemangwana gore ra2015, chikamu chechipiri chaiva $ 210.
- Muna 2015, chirango chacho chaiva $ 325 pamunhu mukuru asina kubatsirwa (hafu yezviyero pamwana), kusvika pa $ 975 pamhuri, kana 2 muzana yemari yemari kune chikwereti chemutero.
- I IRS yakashuma kuti pakati pevateresi vematare avo vane chikwereti chechirwere chemangwana gore ra2015, chikamu chechipiri chaiva $ 470.
- Muna 2016, chirango chacho chaiva $ 695 pamunhu mukuru asina kubhadharwa (hafu yeko mari yacho pamwana), kusvika pa $ 2,085 pamhuri, kana 2.5 kubva muzana yemari inowanikwa mumhuri pamusoro pemutero wokutumira mutero.
- Iro 2.5 muzana yemari yekubhadhara mari yakagadzirirwa kuramba iri nhamba muna 2017 uye mberi, asi chirango chepaguru chairo chaifanira kugadziridzwa gore negore kuitira kutengesa kwezvinhu, kutanga muna 2017. Zvisinei, IRS yakatanga kuzivisa gore ra2016 rava kunopera kuti kugadziriswa kwezvakakwana kwe 2017 kwaizove zero, uye zvakafanana zvakaitika muna 2018 ; iyo yakazara-chirango chechirongwa che 2017 ne 2018 yakasara pa $ 695 pamunhu mukuru, hafu iyo iyo yevana, kusvika kusvika $ 2085 yemhuri.
Chirango Chichiri Kuongororwa Zvino Iko Trump Iri Muhofisi?
Hungu, chirango ichiri kuongororwa. Izvozvo zvichachinja kubva muna 2019, asi vanhu vasina kuvimbiswa muna 2018 vacharamba vachiripa chikwereti pavanokanda mitero yavo pakutanga kwegore ra2019.
Mutungamiri Trump akazivisa nezvechivimbiso chokubvisa ACA uye kuchitsiva nechimwe chinhu. VaRepublicans muImba vakapfuura neAmerica Health Care Act (AHCA) kumavambo aMay, asi mutemo wakakundikana muSeneti, pasinei nekuedza kwakaitwa neGOP Senators kuti vapfuure.
Pakupedzisira, vatongi veRepublican vakapfuura Mutero Wemitero uye Jobs Act uye Mutungamiri Trump akaisa chikwangwani ichi kuva mutemo munaDisemba 2017. Kunyange zvazvo mutero werosi unosiya zvimwe zvose zveAACA zvakagadziriswa, zvinodzokorora chirango chemunhu mumwe nomumwe, kubva muna 2019 (zvimwe zvikamu zvebato Bill inotanga muna 2018, asi mutemo wega wega unodzokorora unonoka gore).
Pazuva rake rokutanga muhofisi, Trump akabudisa hurumende yakagadzirirwa "kutapudza mutoro wezvemari" weAACA. Inonyanya kurayira vezvematongerwo enyika kuti vave sevanokurudzira sezvinobvira mukushanda kwavo kweAACA mitero uye zvikwereti.
Mutengo wacho pachawo unotsanangurwa mumashoko eAACA , zvinoreva kuti mutemo (kunze kwechiito chekutonga neHHS kana IRS) chaidiwa kuitira kuchinja kana kubvisa chirango. Mutero wemutero uchapedza chirango ichi cha2019, asi kusvikira panguva iyo, IRS inofanira kuramba ichiisimbisa.
Zvisinei, pasi pemitemo yehutungamiri hweTrump, IRS inogona kunyatsoremekedza maererano nekupa zvikwereti kubva kune chirango.
Uye ivo vakanyarara vakagadzirisa muna February 2017, vachicherechedza kuti vaizoenderera mberi kugamuchira "kudzoka zvinyararire" kwegore ra2016. Asi izvozvo zvichachinja kutanga kwegore ra2018, apo mutero unodzoka muna 2017 unoshandiswa. Hezvino izvo zvinorevei:
- Panhamba 61 yeFomu 1040 , IRS inobvunza mitero yevateresi vangave kana vasina ivo vane utano hwehutano inshumo gore rese (izvi zvave zvichiitika kubvira muna 2014). Vazhinji veAmerica vane inshuwalhu yehutano, uye vanogona kungotarisa bhokisi rinoti "gore rose rakapararira" uye rambai pamwe chete nekudzoka kwese. Asi kune avo vasina gore rose rekuparidzira, iyo nzira yakanyanya kuoma: vanofanira kuisa Fomu 8965 nokuda kwekuregererwa , kana kuverenga chirango chakakosha.
- Kwegore ra2014 ne2015, IRS haina kuramba kudzokera apo mutsara 61 wakasara usina chinhu (kureva, kudzoka "kwakanyarara"). Vazhinji vateeresi vemitero vakapedzisa mutsara 61 chero zvakadaro (vanenge 90 kubva muzana veAmerica vane inshuwalhu yehutano, naizvozvo iyi haisi iyo yakakosha kune vakawanda vanofuratira, uye mamiriyoni emitero filers aine chirango chekutsvaga gore ra2014 ne2015).
- Nokuti 2016 mutero unodzoka, zvisinei, IRS yakanga yakaronga kurega kubvuma kudzorera zvinyararire. Vakanga vachizotanga kuramba kudzokera kusina kuratidza kana mutero weferensi aiva nehutano inshuwarhu mukati megore (uye kunyange IRS isina kodzero yavo yekushandiswa kwekambani yeAACA chirango, inogara iri pamutemo kutaurira IRS).
- Iyo IRS yakadzoka nzira, zvisinei, uye yakaramba ichibvuma kudzorera zvinyararire kwegore rekutere ra2016. Vakatarisa kuti kuchinja kwaiva chikonzero chaicho chekutonga kwaTrump.
- Zvisinei, nokuda kwekudzoka kwemitero kwa2017, yakatumirwa kutanga kwegore ra2018, IRS haichazogoni kubvuma zvinyararire. Mutero wega wega unofanirwa kupindura mubvunzo wekuti angave ane utano wehutano inshumo mugore.
Saka kunyange zvazvo pakave nekuvhiringidzika kukuru maererano nezviri kuitika nehutongi hwemumwe munhu pasi pekutonga kweTrump, nzira yekunyora maererano nehurumende yega yega yaive yakafanana nekudzoka kwegore ra2014-2016, asi yakanyanyisa zvakakwana zvekudzoka kwe 2017, sezvo kudzoka kwakanyarara kucharambwa. Uye kunyange zvazvo chirango ichizopedzisira chabviswa, pachava nechinangwa, chakaongororwa muna 2019, kune vanhu vakasara vasina kuvimbiswa muna 2018.
Kuparara kweMutemo weMunhu mumwechete kunotora sei Utano Hwenyu Inishuwarenzi?
VaRepublican lawmakers vakaunza hutano hwakasiyana-siyana hwehutano hwekugadzirisa zvikwereti munguva yegore ra2017 rekugadza, rakarongerwa kubvisa kana kuchinja zvinhu zvakasiyana zveAACA. Kubvisa chirango chemunhu mumwe nomumwe chaive chinhu chikuru chezvikwereti izvi, uye vazhinji vavo vangadai vakabvisa chirango, kudzokera shure, kudzokera kutanga kwe 2016. Zvose zvezvikwereti zvakaguma zvakundikana, asi kana kuregererwa kwekuregererwa kwechirango chemhosva kwaive kubudirira, vanhu vakabhadhara chirango chekusavimbiswa muna 2016 vangadai vakawana kubhadharwa, uye vanhu vangadai vakakwanisa kuderedza 2017 kuburitsa mukati megore rimwe vasina kutarisana nechirango.
Zvisinei, mushumo uyo wakapedzisira wapfuura, Mutero Wemitero uye Jobs Act, unosiya vakawanda veAACA intac t. Chikamu chega chega chakashandurwa ndicho chirango chemunhu mumwechete. Uye kunyange zvazvo pakupedzisira kubviswa nemutero wemutero, izvozvo hazvizoperi kusvika muna 2019. Vanhu vasina kuvimbiswa muna 2018 vacharamba vachitarisana nechirango pavanoisa mitero yavo 2018 kutanga kwegore ra2019.
Tsananguro Inobva
Simba reAACA roga roga harisi kufarira, asi mapeimisi emishuwarenzi yehutano yega yega yemakethe ichakwirira kana yapera (inowedzera neanowedzera 10 muzana pagore, maererano neCongressal Budget Office ), sezvo kugoverwa kuchaenderera mberi kuve nechokwadi. Kusati gore ra2014, pakanga pasina mvumo, asi makambani einishuwarenzi munyika dzakawanda aigona kukanganisa kushanda kana kubhadhara miriyamisi yakawedzerwa yakabva kune vevarapi vezvechiremba.
Kana paya kuvharidzirwa kwave kwakagadziriswa-kureva (zvinoreva kuti vatsigiri vangave vasingachagoni kufunga nezvevashandisi vezvakaitika kare), zvakava zvakakosha kuisa chimwe chiyero chekuita kuti vanhu varambe vachiparidza gore rose. Kana zvisina kudaro, vanhu vangangodaro vachienda pasina kuvhara kana vaine utano hwakanaka, uye vanongopinda kuti vawane ruzivo kana vachida rubatsiro rwehutano, izvo zvingaguma nezvikwereti zvakakwirira (nguva dzekunyora zvishoma ndeimwe chikamu che chinokurudzira kuvimbisa kuti vanhu vanoramba vachiparidzira gore rose).
Kunyange zvazvo mapeamendi acharamba achiwedzera, kutanga muna 2019, nekuwanda kupfuura zvavaizova nazvo kana mumwe mutemo wekutonga chirongo chakanga chiripo, nzvimbo yekubhadhara mari ichawedzera zvishoma, zvichikanganisa zvakawanda zvekuwedzera kwemamiriyoni evanyori . Vanhu vasina kuwana rubatsiro rwepamberi, zvisinei, uye vanozvitengera hutano hwavo hutano inshuwarheni, vanozobereka zvizere zvemari mikuru yepamusoro (vanhu vasina kuwana rubatsiro rwemari yepamusoro vanosanganisira avo vanotambudzwa nemhuri yepamusoro , mumusana weMedicaid , uye vanhu vane misha yavo yemhuri inopfuura 400 muzana yehurombo huripo, mushure mokubvisa zvipo zvekubhadhara mitero yekusarura mari neHSAs).
Uye isu tose tichiri kudiwa kuti tirambe tiine inshuwarano yehutano muna 2018. Zvitongwa zvichaongororwa kutanga kwegore ra2019, muna 2018 mutero wemitero, kune vanhu vasina kuvimbiswa muna 2018 uye vasina kukodzera kubhadhara. Asi kunyange shure kwe 2018, zvichava kuchenjera kuva nehutano inshuwarisi. Kusina kuvhara kunoreva kuti kurapwa kwehutano hwakakomba kunogona kunge kusingagadziriswi kana kusingakwanisi kuwanikwa, uye icharamba isingakwanisi kuisa pasi kunze kwekunyora kusununguka kana iwe usina chiitiko chakakodzera . Chirwere chakakomba kana kukuvadzwa hazvirevi sechiitiko chakakodzera.
> Sources:
> Internal Revenue Service, Individual Share Responsibility Provision, updated February 2017.
> Internal Revenue Service, Nzira dzeMutero 2016-55 .
> Kaiser Family Foundation, Summary of the American Health Care Act, March 2017.
> Koskinen, J., Internal Revenue Service, Tsamba kuCongress pamusoro pekutanga kwekutsvaga kubva mugore ra2015 rekutsvaga maererano neAgordable Care Act anorongwa muna October 2015 . January 8, 2016.
> Koskinen, J., Internal Revenue Service, Tsamba kuCongress pamusoro pemigumisiro yekutanga kubva muna 2015 kutora nguva yakabatana neAne Affordable Care Act . January 9, 2017.
> WhiteHouse.gov, Executive Order Kuderedza Mutoro Wezvemari weVachirwere Kuchengetedzwa uye Kutengeswa Kwebasa Rinotarisira Kudzoka, January 20, 2017.