Kuwedzera kweMedicaid uye ACA rubatsiro runobva pamari, kwete mari
The Affordable Care Act's (ACA) premium rubatsiro (premium tax credits) haisi yekutengesa zvinhu. Handizvo kuwedzera kweMedicaid pasi pe ACA. Muzviitiko izvi zvose, kukodzera kunongobva pamari. Hazvina mhosva kuti vanhu vane mari yakawanda sei mubhangi kana mumusika wekutengesa, kana kuti misha yavo inokosha zvakadini. Rubatsiro runowanikwa kuburikidza nekuwedzerwa Medicaid kana kuti premium rubatsiro runobva chete pamari yegore negore.
Medicaid kuwedzera
Munharaunda yeColumbia uye mapurisa makumi matatu nemakumi matatu nematanhatu akawedzera Medicaid, kugoverwa kweMedicaid kunowanikwa kunyoresa nemari yemhuri kusvika 138% yehurombo huno. Muganhu wekusarudzwa kwemunhu mumwe chete ndeye $ 16,753 muna 2018, asi sezvo urombo huri kuwedzerwa nekufamba kwenguva, mari yepamusoro yepamuviri yeMedicaid kukodzera inowedzera (kuongorora kweasset achiri kushandiswa kuMedicaid kukodzera mune dzimwe mamiriro ezvinhu -kuda, vanhu vakwegura vari mumusha wakwegura unobhadharwa neMedicaid).
Muna 18 mune dzimwe 19 dzinotaura (zvose kunze kweWisconsin), pane inofungidzirwa kuti vanhu vanosvika mamiriyoni 2,4 vari munharaunda yekuvhara, vasina ruzivo rwechokwadi kune inshuwarisi yehutano-havakodzeri Medicaid, uye mari yavo inowanikwa pasi rubatsiro rwekutanga, rusingawedzeri pasi pehurombo.
Premium tax credits (aka, rubatsiro)
Mune dzimwe nyika dzisina kuwedzera Medicaid, kukodzera kwekubhadharwa kwepayimusi muhutano kunotangira paurombo hwehutano, uye kunosvika kusvika ku400% yehurombo hwehutano.
Mune dzimwe nyika dzakatowedzera Medicaid, kukodzera kwekubhadharwa kwepayimusi kunotanga apo Medicaid kukodzera kunoguma (138% yehurombo uhu) uye inowedzera kusvika ku 400% yehurombo hwehutano.
Kune mhuri yevana, 400% yehurombo huripo iye zvino $ 98,400 mune mari yegore negore. Kune mhuri yezviviri, iri $ 64,960 mumari yegore negore.
Zvakakosha kucherechedza kuti vamwe vashandi havakwanisi kubhadhara mari, pasinei nokuti vane mari inenge iri pasi pe400% yehurombo huno. Izvi ndezvechokwadi kunyanya kuvanhu vaduku (vane premiums avo vakaderera pamusana pezera ravo) uye vanhu vanogara munzvimbo dzinowanikwa mavhesiyamu ekutanga-kubhadhara ari pasi.
Asi kune munhu wose ane mari yepamusoro kusvika ku 400% yehurombo huwandu (kunze kwekuti, zvinosuruvarisa, vanhu vari munyaya inotaurwa pamusoro peMedicaid gap), ACA inotsigira kuti chirongwa chechipiri-chakashata cheSirivha hachikwanisi mari kupfuura vakazvipira muzana yemari yavo.
Chii chinokosha semari inowanikwa?
Mvumo yekuwedzera Medicaid uye premium rubatsiro pasi peAACA inotarisa kuchinjwa kugadziriswa mari yakawanda (MAGI). Uye kune ACA-specific MAGI . Iwe unotanga nemari yako yakagadziriswa (AGI), iyo iri mutsetse 37 paFomu 1040 (Mutsara 4 pane Fomu 1040EZ, uye Line 21 pane Fomu 1040A).
Zvadaro pane zvinhu zvitatu zvinofanira kuwedzerwa kune AGI yako kuitira kuti MAGI yako ione kuti mari inobhadharwa uye inofanirwa kugadziriswa. Kana iwe uine mari kubva kune imwe yemhando idzi, unofanirwa kuwedzera kune yako AGI (kana iwe usina mari kubva kune imwe yemhando idzi, MAGI yako yakangoenzana neAAGI yako):
- Kwete-kutengesa Social Security mari
- Mitero-isina kubhadhara mari inowanikwa (somuenzaniso, kana iwe une federally-tax-free municipal bonds)
- Vokune imwe nyika vakawana mari uye mari yekubhadhara mari dzeAmerica dzinogara kune dzimwe nyika
Kubvuma kwako rubatsiro (uye Medicaid kukodzera mumatunhu makumi matatu nemakumi matatu nematanhatu akawedzera Medicaid) inobva pane MAGI yako. Asi hapana kuenzaniswa kwekutsvaga.
Vamwe vanopikisa ACA vakachema vakasviba, vachigunun'una kuti vanhu vane mamiriyoni emadhora ekukosha kwekutsvaga mari vanogona kugamuchira rubatsiro rwemari inowanikwa mukutengesa. Izvi ndezvechokwadi, kunyange zvazvo kuwanikwa mari kunze kwemutero wekodzero-yakakosha (401k, IRA, HSA, nezvimwewo) inowanikwa semari yegore negore. Saka munhu mumwe chete asingashandisi asi anowana $ 50,000 mukuwana kwekutsvaga kwekutsvaga kwegore mugore rekodha yakabhadharwa haazokwanisi kubhadhara mari yepayimusi muchitsinhanho (iyo yepamusoro muganhu iye zvino iri $ 48,240 kune mumwe chete).
Mutero wemitero kune inshuwarhu yehutano inowanzo
Asi zvakakoshawo kuziva kuti ACA's premium rubatsiro inongova chikwereti chemutero. Kune vanhu vanowana hutano hwavo hwehutano kubva kune wavanoshandira-iyo iyo yakawanda yevasingave vakwegura vokuAmerica-kune nguva dzose yakagadzirwa nepamusoro yekutengesa mitero. Chikamu chemishandirapamu iyo inobhadharwa nemushandi isiripo yebhadharo kune mushandi. Uye chikamu chebhadharo iyo inobhadharwa nevashandi ndeyebhadharo yakabviswa kusati yateresi.
Iko kusati kwambove nekuongororwa kwakanaka-kana kuongorora kwepabhiri kwechinhu ichocho-nerongwa urwu.
Kune rumwe rutivi, purogiramu yehutano yehutano yehutano inongowanikwa zvachose mutero-yakabviswa kuvanhu vanozvishandira. Vanhu vakazvitenga ivo pachavo asi havasi ivo vanozvishanda (semuenzaniso, vanoshanda kumushandi asingatauri kuvhara) zvinogona kusanganisira mari yemishonga yehutano yehutano mumari yavo yose yezvokurapa kwegore, asi chete mari yezvemari inopfuura 7,5 muzana yemari inogona kuderedzwa. Izvi zvinowedzera kusvika 20 kubva muzana muna 2019. [Yakagara iri 7.5 muzana, asi ACA yakawedzera kusvika 10 muzana kubva muna 2017. Zvisinei, Mutemo Wemitero uye Mabasa, yakagadzirirwa muna December 2017, yakaderedza chikumbaridzo zvakare kusvika ku7 chikamu che 2017 uye 2018.]
Iye zvino kuti ACA iri kupa rubatsiro rwemari yepamusoro kune mamiriyoni emamiriyoni evanhu vane hutano inshuwarhu, inonyanya kushandiswa mumunda wekutamba maererano nemitero yebhadharo yevanhu vanozvitengera hutano hwehutano inshumo nevanhu vanowana inshuwarisi kune avo vanoshandira (kunyange vanhu vanowana vanopfuura 400 muzana yehurombo hutano uye vanotenga inshuwarhu yehutano yehutano ivo vachiri mumatambudziko ekubhadhara mutero kana kuenzaniswa nevamwe vavo vanogamuchira mubhadhari wehutano hwehutano).
Munhu ane mamiriyoni emadhora ekuchengetedza asi chete $ 30,000 / gore mumari inowanikwa (zvichida mari yekusimwa kana mari kubva kubasa, kana kusanganiswa kwemaviri) anogona kubatsirwa nekambani yeAACA yemari yekwereti. Vamwe vanopikisa ACA vakachema kuti izvi hazvina kururama, uye kuti zviri kutora "sarudzo" muAACA.
Asi kana munhu iyeyo akashanda kumushandi uyo akapa inshuwarisi yehutano, angadai ari kugamuchira mubhadharo usingabhadhara mutero nenzira yemubhadhari wevashandi kumishandirapamu, uye anga ari kuripa chikamu chake chemarikambisi nehurumende isati yasvika. Angangodaro ari kubhadhara $ 100 kana zvakadaro mumabhiriyamu mwedzi woga woga (kana kuti kwete zvachose, zvichienderana nokupa kwaanoita mushandi wake). Uye izvi izvi hazviwanzozivikanwi sechisungo, uye hazvionekwi sevapfumi "vachitora" zvayo.
Kana ichionekwa kubva maonero aya, ACA's premium tax credits yakangobatsira kuisa inshuwarisi yehutano yega yega kuburikidza nevanoshandira-inotsigirwa inshuwalhu yehutano. Uye hongu, ivo vakaitawo kuti zvive nyore kuti vanhu vaduku vanopfuura 65 vatange kupindira mubasa ravo roga, basa rekushanda kwemaawa, kana kuti kubvisa basa rekutanga, pasina kushushikana kuti premium yemainishuwarenzi yehutano ichadya zvose zvavanochengetedza vasati vasvika kusvika kusvika Medicare age.
> Sources:
> Congress.gov. HR1, Cuts Cuts uye Jobs Act. Yakagadzirwa 12/22/2017.
> Dhipatimendi Rezvoutano uye Human Services. Office of the Assistant Secretary for Planning and Evaluation. Urombo huripo. US Federal Poverty Guidelines Akashandisa Kugadzirisa Kukodzera Kwezvikamu Zvimwe Zvehurumende.
> I nternal Revenue Service. The Premium Tax Credit-The Basics.