Zvamunoda Kuziva Nezvekubhadhara Mutero Kwemari Yezvechiremba
Kugadzirira mitsara yako yaunowana? Iwe unenge uchida kutsvaga mari yakawanda yakabviswa sezvinobvira. Kuchengetwa kwechiremba kunodhura, saka kana iwe ukakwanisa kubvisa mari yehutano hwako , iwe unogona kuderedza mitero yako yemutero.
Zvisinei, mitemo yeRS yakaoma uye yakajeka. Iwe unofanirwa kunzwisisa kuti ndiani ane mari yezvemari inotengesa mutero, ndeapi rudzi rwemari inodonhedzwa, uye kana iwe hauna kana kukwana mari yekutengesa-inoderedza mari yehutano kuti iite yakakodzera nguva yako.
Nzira mbiri dzekunyora kunze kweMari yeMari
Nzira mbiri dzekunyora mari dzekurapa ndezvekuti:
- Vataurire sekutora mutero kana iwe itemize iwe uchibviswa.
Izvi ndizvo zvakaita huwandu hwevanhu huchanyora mari yavo. Unofanirwa kushandisa Purogiramu A yeFomu 1040. Kana iwe ukatora kubhadhara kwakakwana panzvimbo pekuita kuti iwe wakwanise kubhadhara, haugoni kubvisa mari yako yekushandisa kunze kwekuti iwe unokodzera kushandisa nzira yechipiri. - Vataurire sechigadziriswa kumari yako.
Izvi zvinoderedza mari yako yakagadziriswa yakaita kuti iite seone iwe wakaita mari shoma. Zvirwere zvinodhaka zvinogona kunyorwa kubva nenzira iyi hazvisi zvishoma asi zvinogona kusanganisira mari yemishonga yemishuwarenzi yehutano yevashandi.
Muchikamu chino, tichaona nzira yekutanga. Iko inokubvumira kunyora ruzivo rwakakura rwezvokurapa kana huwandu hwehutano hwako hwakakosha zvakakwana, uye hapana chikonzero chokuti iwe uzvishandise.
Une Zvakawanda Zvokushandisa Zvokurapa Kuti Uzviite Zvakakosha Nguva Yako?
Kuti uwane rubatsiro rwechiremba rwekubhadhara mutero pane Purogiramu A , yako mari inofanira kuwedzera kusvika kusvika 10 muzana yemari yako yakagadziriswa yakawanikwa.
Iwe unongotora kubhadhara mari inodarika iyi 10 muzana. Somuenzaniso, kana mari yako yakagadziriswa yakawana $ 100,000 uye une $ 12,000 mune zvekushandisa mari yekurapa, iwe uchazobvisa $ 2,000. Mari yekutanga $ 10 000 yemari yako yezvokurapa inoshandiswa kuwana 10% muzana. Mari inosara $ 2,000 inogona kudzingwa semutengo wokubvisa mutero.
Chibvumirano chekudzikinura chinoshandiswa kuva 7,5 muzana chemari yakawanda yakagadziriswa, asi yakawedzera kusvika 10 muzana muna 2013. Zvisinei, kana iwe kana wako wako waive nemakore makumi matanhatu nemashanu kana kupfuura, IRS yakachengetedza chikumbaridzo pa7,5% yemari yako yakagadziriswa yakawanda muna 2016. Kutanga muna 2017, chikamu chegumi chekuderedzwa chinoshanda kune vose.
IAmerican Health Care Act (AHCA), iyo Imba yeRepublic Republic yakapfuura muna May 2017 mukuedza kubvisa ACA, ingadai yakaderedza chikamu chekudzikinura kusvika ku5,8 muzana yemari yakawanda yakashandurwa, inoshanda muna 2017. Mutemo uyu hauna kupfuura Senate, zvakadaro, izvo zvinoreva kuti kubviswa kwechibvumirano kunoramba kuri 10 muzana.
Zvii Zvokudhura Zvokurapa Zvinoverenga?
Maonero ako pamusoro pezvinorehwa nemari yezvokurapa zvinogona kusiyana nemaonero eRS. Maererano ne IRS, "Kurapa kwekurapa kunofanirwa kunge kunonyanya kuderedza kana kudzivirira kukanganisa mumuviri kana mupfungwa kana kurwara. Hazvirevi mari inobatsira chete hutano hwakakwana, hwakadai sevhitamini kana kuti zororo. "Kuti uverenge mutemo iwe pachako, tarisa Internal Revenue Code chikamu 213.
Iwe haugoni kutora mari iyo kambani yako yehutano inshuwarheni yakabhadhara, kana mari inobhadharwa newaini yako isati yaterese kushandiswa kwemari kana mari yekuchengetedza kwehutano .
Mune mamwe mazwi, kwete "kaviri kudonha."
Kana iwe wakagamuchira kurapwa panguva yegore rakapiwa, asi wakabhadhara kutarisira mune rimwe gore rakasiyana, iwe unoti mari yegore rawakabhadhara, kwete gore rawakagamuchira basa. Somuenzaniso, kana iwe wakagamuchira kurapwa muvhuvhu ra2015 asi usina kubhadhara kurapwa uku kusvikira munaJanuary 2016, iwe unogona kutora mari yekurapa pa 2016 yako mitero, yakabudiswa musi waApril 18, 2017.
Mune zvimwe zviitiko, iwe unogona kutora mari yehutano inshuwarheni semutengo wemari-deductible yemari. Dzidza zvakawanda mu " Is Health Insurance Tax Deductible? "Kana iwe uri wega, iwe unosarudza kubhadhara mari yepuraimari yaunenge uchibhadhara iwe (kusingabatsiri rubatsiro chero ipi zvayo yaunowana muchitsinhanho, kana premiums iyo munhu wose anokubhadhara iwe).
Mune izvozvi, haufaniri kutemesa zvitsva zvako. Asi kune vanhu vasiri ivo vanozvishanda, mari yemishonga yemishuwarenzi yehutano inogona kubvumidzwa mune imwe mimwe mitero yezvechiremba kuti isvike kubhadhara kubhadhara (10 muzana yemari yakawanda yakashandurwa).
Tsanangudzo shomanana yezvinowanzobatwa mutero-deductible yezvokurapa zvinosanganisira:
- Yenyu yehutano inshupu deductible , zvinyorwa, uye coinsurance
- Iko-kunze kwehomwe yako inodha yemishonga yemishonga (izvi hazvirevi mbanje yezvokurapa kana mishonga yemishonga inotumirwa munyika isiri pamutemo.)
- Kusagadziriswa psychotherapy kana psychoanalysis mari
- Mabheji uye Band-Aids
- Shandisa lenzi uye magirazi anoshandiswa kururamisa maonero
- Shandisa lens solution
- Kunzwa rubatsiro uye kutinhira mabhetiri anonzwa
- Brep pump inopa
- In vitro fertilization cost
- Kuberekwa test kits
- Nguva refu yekuchengetedza mari (mitemo inoshandiswa inoshandiswa inoshandiswa) uye mamwe mishonga yemainishuwarensi ekuchengetedza kwenguva refu .
Nokuda kweRIS's list of qualified medical expenses, tarisa IRS Publication 502.
Ndezvipi Zvokushandisa Zvokurapa Zvinoverenga?
Kazhinji, iwe unogona kuda kubhadhara mutero nokuda kwemari yako yezvokurapa, yako yaunoshandisa mari, uye iwe unotarisira 'mari.
Zvinonzwisisika
Ndini RN uye nyanzvi yehutano inshuwarheni, kwete muteresi wemutero, CPA, kana muteresi wezvemitero. Sezvo zvakadaro, ruzivo rwuri munyaya ino harufaniri kutorwa semutero, mari, kana mazano emutemo. Pane kudaro, shandisa iyo kubatsira kubatsira kutsanangurira zvaunoda kutsvaga mazano emitero pamusoro pezvenyaya. Tsvaga mazano emudzidzisi wemitero kana kuwana mamwe mashoko zvakananga kubva kune IRS usati watora mari. - Elizabeth Davis, RN
Sources:
Congress.gov. HR1628. American Health Care Act ye 2017 (yakatanga musi waMarch 20, 2017, yakapfuudzwa neMuvhuro 4, 2017)
Cornell Univerity Law School, Legal Information Institute, 26 US Code 213, Chiremba, Dental, nezvimwewo Mari.
Internal Revenue Service. Zvinyorwa 502, Zvokurapa uye Mazino Emari .