Maitiro eAmerican Health Care Act Anoderedza Medicare Taxes
Vanhu vanopfuura makore makumi matanhatu nemashanu uye avo vane humwe hurema vanovimba neMedare nekuda kwezvido zvavo zveutano. Vazhinji vavo vakabhadhara chikomborero nenzira yemitero. Verenga pamusoro kuti unzwisise mitero inoshandiswa kubhadhara Medicare, uyo anoibhadhara, uye iyo inoshanda sei. Zvinonyanya kukosha, iyo American Health Care Act yaizochinja sei mari yaunobhadhara muhomwe muMedarere mitero?
Mishonga YezveMari Inoshanda Sei
Medicare inoputsika muzvikamu zvina: Chikamu A inshurensi yezvipatara , Chikamu B inshuwarisi yehutano , Chikamu C Medicare Advantage chinyorwa , uye Chikamu D chirairo chekushandisa zvinodhaka .
Mitero inokweretwa kuhurumende yehurumende inoiswa kuMedareti Trust Trust, inoshandiswa kubhadhara Chikamu A chinyorwa chete. Izvi hazvirevi chete chirwere chako chepachipatara chinotarisirwa asi kune mamwe mabasa akadai sewachiremba , nyanzvi yekuchengetedza vakwegura, uye kutarisira utano hwepamusha.
Purogiramu yeMwedzi inogonawo kushandiswa kubhadhara Medicare Part A, asi kazhinji kutaura, vashomanana vanhu vanobhadhara. Izvi ndezvokuti zvikomboti zvakasununguka kune ani zvake akashanda makumi mana kana makumi mana emabasa muMedare-anokodzera , zvichireva kuti vakatobhadhara chikamu chavo chakanaka chemitero. Vanhu vakashanda zvishoma kusvika kumakumi mana makumi mana vanobhadhara mari yemwedzi miviri inowanikwa kuMedareti Trust Trust.
Kubva muna 2017, vanhu vakashanda pakati pemakamuri makumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi mana nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi matatu nemakumi mana.
Medicare Zvikamu B kuburikidza neD zvakabhadharwa zvikwereti kuburikidza nemishandirapamu yako yemwedzi. Kusiyana neChikamu A, munhu wose anotora mwero wemwedzi wega wezvibasa. Vamwe venyu, zvisinei, vachabhadhara zvishoma zvichienderana nehuwandu hwemari yako.
Mari Inosangana Nedzimwe Mwedzi Mari (IRMAA)
Mari Inobatanidza Mwedzi Unoenderana Nayo Imari (IRMAA) haisi mutero pane imwe chete, asi iri mari yakawedzerwa iwe uchabhadhara Zvikamu B uye / kana D kana mari yako iri pamusoro peimwe nhanho.
Mari yacho inofanirwa kuenda kuMedarere, kwete kune yega yega inshuwarisi yekambani inotsigira chirongwa chako cheMedricare, uye ichave yakagadziriswa pane yako yakashandurwa yakagadziriswa mari yakawanda kana MAGI.
Mari yako yakawandisa inowanikwa pamari yako (kusanganisira mazano), mari kubva kumabhizimisi / mazvikwereti, ruzivo rwakagadziriswa, kushaya mabasa, uye kubhadhara. Iyo "yakagadziriswa" inobva kune chero ipi zvayo yakagadziriswa IRS-inogamuchirwa iwe unokwanisa kuite, semuenzaniso, mari inobva kuzvipo zveIRA kune chikwereti chechikwereti chevadzidzi. Kukosha "kunoshandurwa" nekuwedzera chero mutero-kusabhadharwa mari inowanikwa iwe. Hurumende yehurumende inoshandisa MAGI kuti ione kuti muchabhadhara mari yakawanda sei, uye kana iwe uchikodzera Medicaid , zvikwereti zvemutero, kana zvimwe zvibvumirano zvinotsigirwa nehurumende.
Nokuda kwezvinangwa zveMedare, MAGI inoshandiswa kuziva kana iwe uchabhadhara IRMAA. Vanhu vanyore $ 85,000 kana kuti vashoma pamitero yavo yekudzoka, kana vakaroorana vanyorera pamwe chete $ 170,000 kana pasi, havazobhadhara IRMAA. Kana iwe ukabhadhara pamusoro pematongerwo aya, iwe uchabhadharwa zvekare.
Kune 2017, Medicare Part B IRMAA inodarika $ 53.30, $ 133.90, $ 214.30, uye $ 294.60 pamwedzi sezvaunopinda mabheji akawedzerwa. Kune Medicare Chikamu D, IRMAA iri $ 13.30, $ 34.20, $ 55.20, uye $ 76.20 pamwedzi.
I-IRMAA-inokodzera kubhadharwa mabheji anotanga pa $ 85,001- $ 107,000 kune imwe chete filers uye $ 170,001 kusvika $ 214,000 yejeri filers.
Vanokwira pa $ 214,000 uye $ 428,000 pamatafura asina kubatana uye pamwe chete.
Pamusoro pezvinyorwa, Chikamu B IRMAA chakatangwa neChristian law muna 2007, uye Chikamu D IRMAA muna 2011 sechikamu cheChinakidza Care Act, aka Obamacare .
The Medicare Tax
The Medicare Tax yakatanga muna 1966 uye inoshandiswa kune mari yawakagamuchira, kusabvisa chero kupi zvako kwakabhadharwa kwemari inoshandiswa nevashandirwi kana yevamwe kubhadhara mitero. Icho haicho kushandiswa kune mari inowanikwa uye mamwe emari yekutsvaga. Mari inobva kune iri mutero inoenda zvakananga kuMedare Trust Trust.
Mari yakawanda yaunobhadharwa mumitero inobva pane zvauri kuita basa.
Vanhu vashandi vachabhadhara hafu yemutero unonzi Medicare, uye mari iyi ichaderedzwa zvakananga kubva pamari yako. Izvi ndechokuti mubhadhadzi wako aripa mutsauko.
Vaya vanozvishandira vanofanirwa kubhadhara mari yose yeMedare Tax, vose vashandi uye mari yevashandi. Zvinotarisirwa kuti avo vanozvishanda vanobhadhara mitero yavo kumativi ose kune hurumende kana kuti vasati vasangana nematare ekupedzisira.
Muna 1966, iyo Medicare Tax yakatanga pamwero wekutengesa we 0.7 muzana. Nhasi, mutero webhadharo inowedzera kusvika ku 2.9 muzana.
Kana iwe uri mushandi, iwe uchabhadhara chete 1.45 kubva muzana uye wako mubhadharo anokonzera 1.45 muzana zvakaenzaniswa. Kana iwe uri wekuzvidzivirira, iwe uri mutoro wezazara 2.9 kubva muzana.
The Additional Supplementary Medicare Tax
Kana iwe uchiwana zvakawanda, iwe uchazobhadhara zvimwe.
Inotengeswa Care Care Act yakawedzera yeAdre Medicare Tax iyo yakatanga kushandiswa munaJanuary 2013. Yakabata avo vakawana pamusoro pezvikamu zveMAGI zvinotevera.
- Mumwe chete kana mukuru weimba - $ 200,000
- Vakaroorana vachifambidzana pamwe chete - $ 250,000
- Vakaroora vachidhura zvakasiyana - $ 125,000
- Mudzidzi wechirikadzi (er) ane mwana anotarisira - $ 200,000
Chero mari yepamusoro pamusoro pemari iyi yaizobhadhara chimwe chikamu che9,9 mu Medicare mitsva. Kusiyana nemutambo weMederal Tax, mutero uyu unobhadharwa zvachose nemushandi. Mubhidha haaiti mibairo.
Somuenzaniso, mumwe munhu asingashandi anowana $ 250,000 pagore aizobhadhara 1.45 muzana muMederalare mitero yekutanga $ 200 000 asi 2.35 muzana mutero (1,45 muzana + 0.9 muzana) pane zvakasara $ 50,000. Mushandi wacho aizoramba achibhadhara 1.45 muzana yehuwandu hwemari inowanikwa.
Kana iwe uri wekushanda, iwe unobhadhara chikwereti che 2.9 kubva muzana Chirwere cheMedare chekubhadhara pane chero mari inenge iri pasi pevharo yezvibvumirano uye Inowedzera Medicare Tax ye 3.8 muzana (2.9 muzana + 0.9 muzana) pane chero mari yaunowana pamucheto.
Net Investment Income Tax
Imwe mutero inowanikwa neAne Affordable Care Act ndeyeNet Investment Income Tax (NIIT), inozivikanwawo seAnearned Revenue Medicare Contribution Surtax. Inoshanda kune vanhu vanobhadhara pamusoro pezvikamu zveMAGI zvinotevera uye vane mari yekuwana mari:
- Mumwe chete kana mukuru weimba - $ 200,000
- Vakaroorana vachifambidzana pamwe chete - $ 250,000
- Vakaroora vachidhura zvakasiyana - $ 125,000
- Mudzidzi wechirikadzi (er) ane mwana anotarisira - $ 250,000
Zvinonyanya kukosha, iyo ndeye 3.8 muzana yemutero weMedare inoshandiswa pamutero wako wekutsvaga mari. Izvi zvinogona kusanganisira zvimwe zvikwereti, ruzivo rwemari, zvikamu, mari yekubhadhara, uye mari. NIIT inonyanya kushanda kumubhadharo, kubhadharira mari, kubhadhara, pensions, kubhadhara mari yekubvisa mari, Social Security kubhadhara, mutero usingabhadharwi, kana kusapererwa kwemabasa.
The Additional Supplementary Medicare Tax yakasiyana neNIIT nokuti haina kushandiswa kumatare emari. Zvisinei, IRS inotaura kuti zvinobvira iwe unogona kutarisana nemitero yose.
Iwe uchakwereta mitero yeNIIT yakatarwa nemari shomanana yemari yako yekutsvaga mari kana kuti mari yaunotapfuura nayo MAGI pachikumbaridzo.
Maitiro eAmerican Health Care Act angave akachinja sei Medicare Taxation
Maererano neAmerican Health Care Act (AHCA), gare gare inonzi "Better Care Reconciliation Act" (BCRA), inotarirwa kuderedza Medicare mitero nekubvisa kuwedzera kweMedare Tax uye Net Investment Revenue Tax. Izvi zvakakonzera kukakavadzana kwakanyanya pamusoro pemitero yemitero kune vapfumi.
Iyo Joint Committee yemitero inoti kudarika kuwedzera kweMedarereji yeMutero kunogona kuderedza mari yemadhora ne $ 117 mabhiriyoni kubva muna 2026. Zvishoma nemadhora ari kuuya muMedare Trust Trust, Medicare yaizobvisa mari yayo gore ra2025 , makore matatu zvisati zvaitika. Izvi zvinopesana zvakananga neAne Affordable Care Act iyo chaizvo yakawedzera solvency yeMedarere nemakore gumi nemana.
Mishumo yezvemari inoratidzawo kuti vazhinji veAmerica havakwanisi kubatsirwa nemutero uyu. Zvechokwadi, vane mamiriyoni vaizogamuchira 79 kubva muzana yezvose zvakatorwa mutero. Pakazosvika 2025, mamioneya aizobatsirwa nehuwandu hwekuita mari ye $ 50,000 pagore, ma-millioneire kusvika kusvika $ 250,000 pagore, uye vanopfuura 400 vanowana mari yakawanda se $ 7 mamiriyoni pagore.
Vanhu vanowana mari shoma kudarika $ 200,000 kana vakaroorana vasati vadarika $ 250,000 vaisazoona kuchinja mumutero wavo.
Kutaura zvazviri, havasi ivo chete vagari vepasi nepakati-vapfumi vanoramba vachibhadhara pamutengo mumwechete, asi vazhinji vane mamiriyoni vaizobhadhara mutero wakaderera kudarika vaAmerica vachiwana zvishoma kudarika zvavanoita. Izvi ndezvekuti vapfumi vanowana chikamu chikuru chemadhora avo kuburikidza nemutero usingabhadharwi. Sezvo chikamu ichocho chemari inenge isingazokwanisi kubhadharwa neNIIT, ivo vane mikana yekukohwa mibairo mizhinji.
Sezvakambotaurwa, American Health Care Act / Better Care Reconciliation Act yaizoita zvisina kukodzera mitero yeAmerica nekuderedza mari yeMedare, chirongwa chehutano chaihwo chinodiwa kuvanhu vedu vakuru uye vanorwara. Musi waJuly 13, 2017, mukupindura kuchema kwevanhu, GOP yakabudisa shanduro itsva yeBridi Care Care Reconciliation Act iyo yakarambidza kubvisa mitero iyi. Pakupedzisira, mutemo hauna kupedzwa.
Shoko Rinobva
Maripo hurongwa hwehutano hwehutano huri pamutengo-unofanirwa imwe yakakwana kune zvayo zvose. Mishonga yemitero yave ichishanda kubvira muna 1966 pamwe nemitero yakawedzerwa pamakore. Chinangwa chacho chaiva chokuwedzera mari yeMedare uye kubvumira vaAmerica kuti vape zvipo maererano nenzira dzavo.
> Sources:
> HI 01101.020 IRMAA Sliding Scale Tables. Social Security Administration website. https://secure.ssa.gov/poms.nsf/lnx/0601101020. Yakapedzwa musi waNovember 23, 2016.
>> Huang C, Marr C, Horton E. House GOP Hurongwa Hwehupenyu Hunokonzera Two Medicare Mitero, kupa Zvikuru Zvikuru Zvitsva kune Vafumi. Pakati peBhutiro uye Purogiramu Yekutanga. http://www.cbpp.org/research/federal-tax/house-gop-health-plan-eliminates-two-medicare-taxes-giving-very-large-tax-cuts. Yakaperedzwa March 20, 2017.
>> Medicare Premiums: Mitemo Yepamusoro-Kuwana Vanowana Mukana. Social Security Administration website. https://www.ssa.gov/pubs/EN-05-10536.pdf. Yakabudiswa muna January 2017.
>> Mibvunzo nemhinduro dzeZviwedzerwa zveMedareta. IRS website. https://www.irs.gov/businesses/small-businesses-self-employed/questions-and-answers-for-the-additional-medicare-tax. Yakapedzwa musi waDecember 6, 2016.
>> Mibvunzo neMhinduro paNet Investment Revenue Tax. IRS website. https://www.irs.gov/uac/newsroom/net-investment-income-tax-faqs. Yakapedzwa musi waOctober 13, 2016.