Hungu, Kana Iwe Uchishandira Mubhii Muduku; Zvichida mune ramangwana Zvimwe
Iko inogadziriswa Care Act inongoda vashandi kupa hutano hwehutano inshumo-kuvashandi vanoshanda maawa makumi matatu nemavhiki-kana vane 50 kana vanopfuura vashandi . Asi 96 muzana yevashandirwi muUnited States vane vashoma vanopfuura 50 vashandi, uye naizvozvo havakwanisi kupa zvipo zvehutano kuvashandi vavo.
Vakawanda vavo vanoita, hongu. Maererano neongororo yakaitwa neTransamerica Center for Health Studies munaAugust 2015, hutano hwehutano inshuwarheni hunopiwa ne 61 muzana yemabhizimisi ane vashoma vanoshanda makumi mashanu (kunyange izvi zvingave zvakakosha kwazvo; National Federation of Independent Business analysis yakaratidza kuti chete 29 muzana yemabhizimisi ane vashoma vanopfuura 50 vashandi vakanga vachipa kuparidzira muna 2015).
Zvirongwa zvehutano hwehutano hwehutano huripo muhurumende yese, uye vashandi vane vashandi vashoma makumi maviri nevashanu vanogona kukwanisa kubhadhara mari yekodhi yemitero yehutano, zvichienderana nevashandisi vavo vanowanikwa mari uye mari yakawanda sei inobhadharwa nevanoshandira.
Asi zvakadini nevanhu vanoshandira zvese zvemabhizimisi maduku vasina kupa hutano inshuwalano? Vanofanira kushandisa hutano hwehutano inshuwarheni, uko vanogona kutenga kugoverana kuburikidza nehutano hwehutano inshuwarheni , kana kunze kwerudzikinuro (rubatsiro hahuwaniki kunze kwekutsinhanisa).
Mushandi Wekubhadharwa Kwekubhadhara Anobvumirwa kubva muna 2017
Nezvirongwa zvaunotengwa mumusika mumwechete (pane kana kuvhara-kushandiswa), anyoresa-kunze kweanoshandira-ane mutoro wekubhadhara mari yemaimari, kunyange zvazvo rubatsiro (izvo chaizvoizvo zvikwereti zvemutero ) zviripo mukutsinhanisa kwevanhu vanokodzera pane zvavakawana.
Asi kutanga ACA mitemo yekushandiswa inorambidzwa vashandi kubhadhara vashandi kune inshuwarisi yehutano hwehutengo.
Izvi zvakachinja kubva muna 2017, pasi pe 21st Century Cure Act (mamwe mashoko pasi apa), asi ngatitarisei kuti mitemo yakashandurwa sei kusvika 2017:
IAACA pachayo yakasara iyi nyaya yakasununguka kududzirwa, asi IRS yakazotarisa nyaya yacho zvakananga, uye chirango chekusaremekedza chakanga chiri chepamusoro: mutero wekutengesa we $ 100 pazuva, pamushandi anoshanda.
Izvozvo zvinogona kunge zvakadarika $ 36 500 pagore mubhadharo kune umwe neumwe mushandi uyo uyo mushandi anobhadhara zvikwereti zvemishonga yemishuwarisi yehutano. Iyi mitemo yakarongerwa kuita munaJanuary 2014, asi chirongwa chekuregererwa kwepakati chakaiswa munzvimbo iyo yakanonoka chirango kusvikira muna July 2015.
Chaizvoizvo, nzira iyo IRS yakashandura mutemo weAACA, kubhadhara vashandi pamishandirapamwe yemusika mumwechete yaifungidzirwa se "chirongwa chokubhadhara chikwereti." Zvirongwa zvakadaro zvinotungamirirwa neboka rehutano hwehutano hwekugadziriswa kwemisika, kusanganisira kurambidzwa kwoupenyu huripo nemiganhu yekubhadhara gore negore , uye zvinoda kuti humwe hutano hwekuchengetedza huve hunovharwa pasina mari kune munhu anyoresa .
Uye, IRS yakanyatsojekesa kuti zvirongwa zvebhadharo yevashandi hazvikwanisi kusanganiswa nemagadziro ehutano ehutano hwehutano kuitira kuti zvizadzise kugadziriswa kwemashamba. Izvi zvaiva chokwadi pasinei nokuti maAAA ekugadziriswa kwemakwenzi anoshandisa kumagadziro emakambani ega, uye mapurogiramu ose emitsva ezvimedu anotengeswa pasina hupenyu huripo kana kumiganhu yekubatsira kwegore, uye pamwe chete nekuchengetedzwa kwekuchengetedza kubatsira sezvirongwa zvehutano hudiki hweboka.
Pakanga pasina chinhu chinodzivisa vashandi kupa vashandi vavo kubhadhara kana kubhadhara mari panzvimbo yekupa utano hwehutano inshuwarheni.
Asi mitero inobhadhara mitero yemishonga yemishuwarenzi yehutano hwemahutano uye urongwa hwekubhadhara hutano hwakanga husingawanikwi kuti hushandiswe kuitira kuti vadzorere vashandi pamishonga ehupfenyuro yemishonga yehutano yehutano.
Kutanga Kuedza Kubvumira Kubhadharwa Haana kupfuura: HR 5447, Mutemo Wemabhizimisi Madiki Ekutora Relief Act
HR 5447, mutemo weBipartisan unozivikanwa semutemo weBusiness Business Care Relief Act we 2016, ungadai wakaita kuti uve wemutemo kune vashandi kubhadhara kusvika kumadhora 5,130 gore rimwe nerimwe mumakambani emari yemari yehutano yehutano yevashandi, uye kusvika ku $ 10,260 kana mutemo unobatanidza mhuri (izvi zviyero zvaizove zvakakonzerwa nehupfumi).
HR 5447 yakapfuurira Imba yeVamiririri muna June 2016, uye yakanga iine rubatsiro rweU.S. Chamber of Commerce nemasangano akawanda ekutsigira mabhizinesi. Asi yakasimbiswa muSeneti.
Ihofisi yeBongress yeBongress yakagadza kuti HR 5447 "isingabatsiri pamabhadharo ezvematongerwe enyika pamusoro pegore ra20166-2026." Mari yakadzorerwa kune vashandi pamishonga yemishuwarenzi yehutano ingadai isina kubhadhara mutero, zvichiita kuti zvikamu zviduku zvemitero yemari inowanikwa. Asi hurumende yehurumende haifaniri kupa mvumo yekubhadhara mari yepuraimari kuti ishandise vanhu vanyoresa avo vashandi avo vakasarudza kubhadhara mari yavo yepurayamisi.
21st Century Cures Act Inopera muna 2016, Inobvumira Kubhadhara Kubvira muna 2017
Muna December 2016, HR34, 21st Century Cures Act, yakasimbiswa mumutemo neMutungamiri Obama. Mutemo uyu unosvika kure, asi chimwe chekuchinja kwawakaita ndechokubvumira mabhizimisi ane vashandi vanopfuura makumi mashanu kuti vagadzire Hurongwa Hwakakwana hweVashandi Vekubhadharwa Kwemari yeVashandi (QSEHRA).
Kana bhizinesi duku risina kupa boka remishonga inshuwarano yehutano, QSEHRA ichaita kuti bhizinesi ribhadze vashandi, mutero usingabhadhari, kune zvimwe kana kuti zvose zvinodhura zvekutenga mumwe mutengesi wehutano hwemakemikari, kana paanenge asiri-kutengesa (kana chirongwa chacho inotengwa pa-kushandiswa, mushandi anogona kunge achikwanisa kubhadharwa mari yekubhadhara, asi kukosha kweQSEHRA kunofungidzirwa paunosarudza kukwanisa kwekugoverwa, uye mari yeAACA rubatsiro inoderedzwa nemari iyo mushandi inogamuchira kubva kumushandi kuburikidza neQSEHRA).
Kushandisa QSEHRA, mari yakawanda iyo mushandi anogona kubhadhara inodarika $ 4,950 nokuda kwekushanda kwebasa rimwe chete, uye $ 10 000 nokuda kwekuvhara mhuri (ndeye 2017; kukosha kunotsanangurwa mumakore anotevera). Kubhadharwa kwekubhadharwa kunokonzerwawo nemwedzi, saka mushandi akashandiswa mukati megore angangodaro akakodzera kuwana chikamu chepamusoro chekubhadharwa kwegore negore.
Ndiani Anobatsirwa neMitemo Mitsva Yokubhadhara?
Kune vashandi vanoshanda kumakambani maduku vasina kupa hutano inshuwarisi, kuwanikwa kwekubhadhara mari yepayimusi mukutengesana kunoenderana nemari, pamwe chete nehukuru hwemhuri uye mari yekugoverwa munzvimbo yomufambisi. Muzvizhinji, rubatsiro runowanika mune dzimwe nguva kana musha wemuyo anenge awana mari asingapfuuri 400 muzana yehurombo hwehutano.
Kana iwe uri kugamuchira purogiramu yekubhadhara (premium tax credit) muchibvumirano uye mushandi wako anotanga kubhadhara premiums pasi peQSEHRA, mari yekubhadhara mari inogona kuderedzwa nemari yekubhadhara kwavanoshandisa.
Asi kana iwe usingakodzeri kubhadhara mari inobhadharwa mubhajiro (kana iwe uri, asi wakasarudza kutenga mari yako kunze kwekutsinhanisa, uko rubatsiro rusingawanikwi), QSEHRA inogona kukubatsira zvakananga kana wako mukana achisarudza shandisa zvinyorwa izvi.
Vashandi vaduku havakwanisi kubhadhara mari yemaimari, sezvavasingadi kutumira inshuwarisi yehutano yeboka pasi peAACA. Asi QSEHRA inobvumira kubvumirana kwekubhadhara vashandi pamishonga yehutano yemishonga yehutano sechikamu chevashandi vanobhadhara purogiramu.
Mipiro yemari iri kubhadharwa iri mumusika mumwe nomumwe, uyo wakave nezvikwereti zvakawanda zvisingabatsiri kupfuura misika yemapoka emakore mumakore mashomanana apfuura. Vamwe vatsigiri veZEQRA vanocherechedza kuti vanogona kukurudzira vanhu vakawanda kuti vanyorwe mumunhu mumwechete / mhuri, kuunza kugadzikana kwakanyanya kumusika mumwe nomumwe.
Vashandi Vakuru Vanogona Kubhadhara Makomborero Edzimwe Muhomwe?
Ikozvino mitemo haibvumiri vashandi vakuru kubhadhara mari yevashandi pamakambani ekutengeserana. Vashandi vane makumi mashanu kana vatatu venguva yakazara vashandi vanofanirwa kupa inshuwarisi yehutano yeboka (inotengwa kubva kune kambani yveshuwarenzi kana kuti yega-inshuwarisi) kuitira kuti usadzivirire chirango cheAAC chokumanikidza, uye inotarisana nemitemo yakasimba, sezvinotsanangurwa pamusoro, kana kubhadhara vashandi pamakambani emakambani ega.
Asi muna Gumiguru 2017, Mutungamiri Trump akasayira hurumende yekutonga iyo inogona kuguma nemitemo yakasununguka panyaya iyi. Mutungamiri wehurumende haachinje mitemo chero ipi zvayo, sezvo inongorayira masangano ehurumende akasiyana-siyana kuti "afunge nezvekugadza mitemo" yaizoita zvinangwa zvakasiyana-siyana.
Chimwe chezvinangwa izvi ndechokuwedzera kushandiswa kwemararamiro ekubhadharwa kwehutano (HRAs) uye kupa huwandu hunochinja mumashandisirwo avo, kusanganisira "kurega [ing] HRAs kushandiswa pamwe chete nehuwandu hwekuvhara."
Saka Dhipatimendi reBashandi, Pfuma, uye Utano neHuman Services zvinogona kutora mitemo mitsva yekubvumira kushandiswa kweHRAs nevanowedzera vashandi (zvichida vashandi vose, kana zvichida kusvika kune imwe nhamba yevashandi). Izvo zvakatemwa nemitemo zvinofanira kutora kuburikidza nehutano hwekuita-hutano hunosanganisira chiziviso chevanhu uye nguva nguva. Asi kana kugadziriswa, vaizochinja mitemo ine chokuita nekushandiswa kweHRAs kubhadhara mari yemitengo yemakisi.
Zvose izvi zvichiri kukwira mumhepo, sezvo tisati taziva kuti chii chichava mumitemo iyo inenge yakarongedzwa. Nekukosha kweiyo mubvunzo wekuti vashandi vaizozadzisa vashandi vehurumende yevashandi kuburikidza nekubhadhara zvose kana chikamu chepurogiramu yomusika wega yega yevashandi, uyewo kana kubhadharwa kunobhadharwa kunofanira kusangana zvishoma nezvinodiwa maererano nehuwandu hwezvipo zvinopa.
Asi nezvo zvinyorwa zvisati zvanyatsojeka, zvinoratidza kuti mitemo yevashandisi yekubhadhara mari yemishonga yemishonga yehutano yehutano inogona kunge yakasununguka pasi pekutonga kweTrump.
Sources:
Congress.gov, HR34 - 21st Century Cures Act. Yakagadzirwa 12/13/2016
Congressional Budget Office, HR5447 Small Business Health Care Relief Act we 2016.
Internal Revenue Service, Zvigadziriswa zveHurumende Zvekuchengetedza Utano.
Internal Revenue Service, Small Business Health Care Tax Credit uye SHOP Marketplace.
Transamerica Center for Health Studies, Ongororo: Makambani Anofamba Nehutano Hwemutemo Mandate , December 2015.
White House, Office of the Press Secretary. Mutungamiri Mukuru weGurisi Rinokurudzira Kutarisira Utano Sarudzo nekukwikwidzana Munyika yose yeUnited States. Gumiguru 12, 2017.