Hazvizobatsiri munguva refu
Iwe uri kufunga nezvekurara pahutano hwehutano hwekusimbisa rubatsiro kuitira kuti iwe uwane rubatsiro rwakakura (aka, premium tax credit) kana kuti iwe uchakodzera rubatsiro kana usingakodzeri? Heino chikonzero iwe usingafaniri.
- Iwe uchabatwa.
- Iwe unofanirwa kubhadhara mari yekubhadhara shure.
- Iwe unogona kuva nemhosva yekunyengera, mhosva inopomerwa.
Muchawana Sei Kudzidziswa Nokunyengera Nezvaunowana?
Paunenge uchitsvaga rubatsiro rwehutano hwehutano inshuwarheni, rubatsiro rwako rwekubhadhara runoenderana nekufungidzira kwemari yako yegore rinouya.
Mari iyo hurumende inotumira kune imwe yekambani yehutano inshuwarisi yega yega mwedzi inonyanya kuribhadhara kwekwereti yemutero iwe unogona kukodzera iwe paunoshandisa mutero wako wekubhadhara gore iroro. Iko rubatsiro rwechokwadi (kureva, mutero wechikwereti) hazviitike kusvikira iwe ukakanda mitero yako pakutanga kwegore rinotevera.
Paunotora mitero yako, IRS ichakwanisa kuona chaizvo mari yakawanda yawakagamuchira. Ichava paW2 yako uye 1099 mafomu. IRS ichaziva kuti iwe wakabhadhara zvakadini kubva kubasa rako uye kuti wakawana zvakadini kubva kune zvaunofarira uye zvikamu.
Zvadaro, iwe unotora chirongwa chinonzi kuyananiswa . Ikoko, iwe uchaenzanisa huwandu hwehutano yveshuwarisi inobatsira hurongwa hwako hwehutano hwakagamuchirwa nekuda kwako nehuwandu hwekubhadhara mari zvichienderana nemari yako chaiyo. Kana iwe wakagamuchira zvakawanda muzvibatsiro mugore rose kupfuura iwe wakakodzerwa nemari yako chaiyo, iwe unofanirwa kubhadhara zvimwe kana mari yose yaunowana.
Kana mari yako inoguma inopfuura 400 muzana ye federal poverty level uye naizvozvo iwe hauna kukodzera kubhadharwa zvachose, iwe uchafanira kubhadhara 100 muzana yemari yaibhadhara gore rese nekuda kwako; kana mari yako inopera pasi pe400 muzana yehurombo uhu, IRS inotora chikamu chekubhadhara kwakanyanya kwaunofanira kubhadhara, zvichienderana nemari yako (ona peji 14 yemirayiridzo ye IRS yeFomu 8962 ).
Vatsigiri vemitemo vakurukura kubvisa izvi, asi izvo hazvina kuitika.
Uye kana rubatsiro riri kubhadharwa iwe iwe mwedzi woga woga uye iwe unokundikana kuisa Fomu 8962 ( fomu yekubhadhara mutero wekubhadhara mutero) nemutero wako wekudzorera, rubatsiro rwako rucharambidzwa kuenda mberi kusvikira uwana rubatsiro rwekubatsira-kuyananisira kupera . Hazvina kutenderera chokwadi chokuti zvinhu zvose zvinotanga kuve zvichisimudzwa ne IRS.
Muchawana Sei Kudzidziswa Nokunyengera Nekugovera kwaJobho-Based Based Health Insurance.
Iwe hausi kukodzerwa nehutano hwehutano inshuwarheni kana basa rako richipa hutano hwehutano huripo uye hunopa huwandu hunokosha. Ndiko kupiwa kwaunoshandira kweinishuwarenzi iyo inokuita kuti usakanganise, kwete chaizvoizvo kuva neinishuwarenzi. Saka, kunyange kana iwe uchinge uchinge uchinge wapedza basa rako nokuti iwe unoda kunge une chirongwa chaunogona kutenga pahutano hwehutano inshuwarheni yako, chero bedzi iwe waunoshandira achipa mari yakawanda, iwe hauna kukodzera kubhadhara mari yekubhadhara mari yechikwereti.
Ko kana iwe ureve nhema uye uchiti iwe hauna kupiwa hutano huripo hwehutano huripo nemushandi wako? Iwe unogona kukanganisa kushandiswa pakupa chirongwa chako chehutano kubhadharwa mberi kwebhasiro.
Asi, IRS ichakubata iwe, iwe uchazofanira kuripa zvakare, uye iwe uchange watoita hutsotsi.
Kungofanana nekutumira W2s kana 1099s gore rega rega, vashandi vakura zvino vanozadza fomu yezvemutero mutsva: Fomu 1095-C . Iyi fomu inokuudza iwe ne IRS kana iwe usina kupiwa hutano yveshuwarisi, kana kuti inshuwalhu yehutano inopa huwandu hunokosha, uye kuti iyo inshuwarisi yehutano ingakurevei iwe. Nezveruzivo iyi, IRS ichaziva kana mushandi wako wekugoverwa aikwanisika uye akapiwa huwandu hwekukosha (chinyorwa chokuti kukwanisa kunowanikwa pamutengo wekambani yevashandi, pasinei nokuti nhengo dzemhuri dzinowedzerwa kurongwa here ; inonzi inokwanisika kana mari yevashandi yemari yepayimusi iri pasi pe9.55 muzana yemari yemari).
Kana iwe wakanga uchitenga zvinyengeri kubhadhara mari yehutano yveshuwarenzi yegore rose, fomu 1095-C ichaita pachena kuti iwe hauna kukodzera kubhadhara mari iyoyo. Iwe uchazofanira kuripa zvakare, uye iwe unogona kuva nemhosva yekunyengera.
Ingotaura chokwadi.
Sources:
Internal Revenue Service, Fomu 1095-C Mushandi-Anopiwa Utano Woutano Inopa uye Inoshandisa Inishuwarenzi.
Internal Revenue Service, Nzira yeMutero 2017-36 .