Dzivisa chirango chemutero wekusabvumirwa
Kana iwe uchigara muUnited States uye usina utano hwehutano inshuwarheni , iwe uchasangana nemhosva yemutero kunze kwekuti iwe uwane hutano hwehutano huripo . Mutero Wemitero uye Jobs Act, yakagadzirirwa muna December 2017, ichabvisa chirango chemunhu mumwe nomumwe kubva muna 2019. Chiripo chirango chekusabatsirwe muna 2018 (icho chichazoongororwa mushure mekutora mutero we 2018, chakaiswa muna 2019), asi ikoko hachisati iri chirango chokusatenderwa muna 2019 uye mberi.
Nzira dzakawanda dzehutano dzinokukodzera kuti uve nehutano hwehutano inshuwarheni dzinopera uye dzakaoma. Pamwe uri muAmerica, kana iwe hausi. Zvimwe iwe uri wehutano hwekugoverana kwehutano, kana iwe hausi. Zvichida hurongwa hwakaderera-huripo huripo munzvimbo yako hunofungidzirwa kutenga, kana hausi (kukwana kunobva pane zvakagadzirirwa muzana yemari yako; muna 2018, ndeye 8.05 muzana yemari yako ). Kuti uongorore maitiro aya akacheka-uye-akaoma, tarisa " Ungakwanisa Kuwana Inishuwarenzi yehutano? "
Chimwe chikonzero chekuregererwa chinenge chiine chikamu chekugadzirisa matambudziko ndiko kusununguka kusunungurwa. Hezvino izvo zvaunoda kuziva pamusoro pokuti ungawana sei dambudziko kusunungurwa kubva kumutemo weAACA mumwe nomumwe.
Dambudziko Rokuregererwa-Idzidzo
Kune nzira nhatu dzinokosha dzekukwanisa kubhadhara dambudziko kusunungurwa kubva kune rimwe basa rekuita:
- Chimwe chinhu chakaitika kwauri kuti zvisingatarisirwi wakawedzera mari yako inokosha yekugara. Kuwedzera ikoko muzvinhu zvako zvinokosha zvinokutadza kukwanisa kuwana inshuwalhu yehutano.
- Mari yekutenga inshuwalhu yehutano inogona kuita kuti iwe uregere zvokudya, pokugara, zvipfeko, kana zvimwe zvinodiwa.
- Mamwe mimwe mamiriro ezvinhu akakurambidza zvakakodzera kuti uwane inshuwarisi yehutano, kana kuti kutenga kutenga yehutano inshuwarisi mutoro uyo hurumende inofunga kuti yakakodzera.
Dambudziko Rokuregererwa-Zvinyorwa
Sezvo mitemo inokosha yakakura kwazvo, hurumende yehurumende inopa mirayiridzo kubatsira rubatsiro rwehutano yveshuwarisi inoshandiswa kuti ingashandise sei mitemo kune vanhu nevemhuri vachikumbira kushungurudzika kwematambudziko.
Heino mutauro wakajeka, chidimbu chisina kufanira chemashoko aya.
Utano hwehutano hwehutano hwako hunobvumirwa kukupa kusununguka kusununguka kana chimwe chezvinhu zvinotevera chichikudzivirira kuwana inshuwarhu yehutano:
- Iwe hauna pokugara.
- Iwe wakabviswa mukati memwedzi mitanhatu yapfuura.
- Iwe unotarisana nekudzingwa kana kufanirwa.
- Wakawana chivharo chekuvhara kubva kambani yako yebasa.
- Wakaisa mubhadhadzi mukati memwedzi mitanhatu yekupedzisira.
- Iwe une chikwereti chakawanda nekuda kwemari yekurapa kubva kumwedzi 24 apfuura.
- Kuchengetedza anorwara, akaremara, kana kuti nhengo yemhuri yekwegura zvinotarisirwa kuwedzera mari yako inokosha yekugara.
- Iwe munguva pfupi yapfuura wakava nechisimba mumba.
- Nhengo yemhuri yepedyo ichangobva kufa.
- Iwe munguva pfupi yapfuura wakanga uine moto, mafashamo, kana imwe njodzi yakakonzera kukuvadza kwakanyanya kuzvinhu zvako.
- Iwe hauna kodzero yeMedicaid chete nokuti nyika yako haina kukwanisa kuwedzeredza maMedicaid sezvinorayirwa neAne Affordable Care Act . Dare Repamusorosoro rakapa mutongo kuti nyika dzakanga dzisina kufanira kuwedzera Medicaid iyo yakakodzera kana ikasaida. Kana hupenyu hwako hwakasarudza kusawedzera huwandu hweMedicaid asi iwe ungadai wakakodzerwa kana wakakwanisa kuwedzera Medicaid, unogona kunge wakakodzerwa nekunetseka kwekutambura (chinyorwa kuti kunyange izvi zviri pane zvakakosha izvo zvinogona kukodzera munhu kuti awane rusununguko, IRS inewo chikamu chakasiyana chechirango chekuregererwa kwevanhu vari mumamiriro ezvinhu aya).
- Mwana wako angave akafanirwa nematambudziko asingabhadharwi kana mumwe munhu akarairwa kuti ape rubatsiro rwemishonga. Munhu anorayirwa kupa rubatsiro rwezvechiremba haagoni kuva munhu mumwechete uyo anoti mwana wacho semuteresi anotere. Mwana wacho anofanira kutaridzika ineligible kuMedicaid uye neHana Health Health Plan . Pakupedzisira, kuregererwa kwakakosha chete kwemwedzi iyo urongwa hwekurapa huripo huripo.
- Iwe unogona kunge wakakodzerwa nehutambudziro husingaiti kuvhara mwedzi yausina hutano hwehutano uhwu kana kukodzera kubvunzurudza chisarudzo chakazivisa kuti iwe unofanira kunge wakakodzerwa mumwedzi iyoyo.
- Zvose zvezvirongwa zvinowanika mukushandura munharaunda yako zvinosanganisira kubudiswa kwekubvisa pamuviri, uye iwe unofanirana nehuzivi nehuyo (iyi kuregererwa yakawedzerwa muna April 2018 ).
- Hapana huripo huripo mukushandura munharaunda yako (iyi kuregererwa yakawedzerwa muna April 2018; hapasati kwambove nenzvimbo dzenyika umo pasina shanduko dzekushandura dzaivepo, kunyange zvazvo nzvimbo dzakawanda dzaiva pangozi yeiyi inogona kusvika muna 2018. hazvisi izvo zvinoratidza kuti kuchava nenzvimbo dzisina zvirongwa zvekutsinhanisa muna 2019, asi hapachazovizve chirango chekusabvumirwa muna 2019. Zvisinei, kuregererwa munyaya iyi kunowedzera mwedzi mumwe chete gore risati rasvika mubvunzo, saka rinogona inoshandiswa sekuregererwa munaDisemba 2018, mune imwe nzvimbo umo pasina bhizimisi inopa zvirongwa zve 2019).
- Kune mumwe chete wehupfumi anopa zvirongwa mukushandura munharaunda yako uye iwe "unogona kuratidza kuti kusarudzwa kwekusarudzwa kwakakonzera [iwe] kubva pakuwana chinyorwa pasi pe [chirongwa chehutano chakakodzera]. (Iyi mukana wakawedzerwa muna April 2018).
- Iwe unosangana nedambudziko rakavakirwa pane zvaunogona kuwana iwe uye nezvimwe zvinoda zvekurapa. Semuenzaniso, kana iwe uchida kuva neruzivo kune mumwe nyanzvi mune zvehutano uye hapana yehutano hwehutano hunowanikwa mune shanduko munharaunda yako inosanganisira iyo nyanzvi mumashandisirwo awo. (iyi kuregererwa yakawedzerwa muna April 2018).
Heano muenzaniso wekuti izvi zvingashanda sei. Iwe wakanga usina kubhadharwa nokuti yako yepurogiramu yemari yakaderera yeurongwa hwehutano pakutsinhanisa yakanga inopfuura 8.05 muzana yemari yako (iyo nhamba inogadziridzwa gore rimwe nerimwe nokuda kwekuwedzera kwezvinhu ). Iwe wakatanga kutendeukira kune rubatsiro kuti ubatsire kubhadhara utano hwehutano, asi iwe wakakumbira chisarudzo pamusoro pebhasiro. Munguva iyi, iwe hauna yehutano inshuwarisi.
Pakupedzisira, unokunda chikwereti chako uye iwe unowana premium rubatsiro , saka iwe unogona kukwanisa inshuwalhu yehutano. Zvisinei, izvi zvinoreva kuregererwa kwawakanga uine nokuti inshuwarano yehutano yakakosha zvikuru isati yakabatwa zvisina kumira iye zvino. Saka, iwe unogona kushanda nokuda kwekutambudzika kusunungurwa kwekuvhara mwedzi yausina hutano yveshuwarisi nokuti wakanga wakamirira pachikumbiro.
Ichi chisarudzo chinofadza chinogona kunge chiri pamusoro pekuti iwe wakakodzero yekunyorwa muhutano hwehutano hwehutano hwehutano hwakanaka, hukodzero yekubhadhara zvakanyanya zvebhadharo yekubhadhara mari yechikwereti , kana kukodzera kubhadhara mari yekugoverana mari .
Kuti udzidze kuti sei iwe uchizove wakasunungurwa nokuti mubayiro wekudhura kwekuronga kwehutano huri pasi pekutsinhanisa kwako unopfuura 8.05 muzana yemari yako muna 2018, kana huwandu hwezvimwe zvikwereti zviripo, verenga nyaya ino . Iwe uchadzidza nezvenzira dzekukodzera kubhadhara kubva kune rimwe basa raunenge usingaverengi kutora dambudziko.
Dhiabhorosi ari muDheta
Pane humwe humwe hunokosha huno pamusoro pehutungamiri huri pamusoro apa hunogona kusimbisa chisarudzo chako chekushandira kusununguka kwematambudziko.
Chokutanga, matambudziko anotsanangurwa mumitemo inofanira kukudzivirira kuti uwane inshuwarhu yehutano. Somuenzaniso, kunyange zvazvo kufa kwekupedzisira kwehama yako yepedyo kungave iri pamitungamiri, iwe haunzwisisi kuwana dambudziko rekuregererwa kana hama yako yaiva hafu-mukoma wausati wambosangana naye uye rufu rwake haruna matambudziko mumamiriro ako emari kana kukwanisa kwako kuita mabasa ezuva nezuva. Paunopedza mapepa ekuregererwa, iwe uchafananidza kutsanangura kuti mamiriro ezvinhu akapi akakudzivirira kuti uwane inshuwarhu yehutano.
Chechipiri, hutano hwehutano hwehutano hunoshandiswa nehurumende yehurumende inoshandisa idzi mirayiridzo, asi shanduko yehurumende yako ingasadaro (39 inotaura sangano rinonzi HealthCare.gov; dzimwe nyika 11 uye District of Columbia dzine zvigadzirisheni zvadzo). Shanduko imwe neimwe yehurumende inobvumirwa kusununguka kwekugadzirisa mamiriro acho ezvinhu-mazano chaiwo chero bedzi pavanopa mvumo kuvanhu vanoona chimwe chezvinhu zvitatu zvinokosha. Havafaniri kushandisa mirayiridzo yakafanana iyoyo kuti vaone mamiriro ezvinhu anoita kuti vanhu vawane chimwe chezvinhu zvitatu zvinokosha.
Chechitatu, dzakawanda dzemitungamiri dzine nguva dzisingakwanisi zvakadai semutungamiri kupa hurumende kusunungurwa kana iwe wakabviswa mumwedzi mitanhatu yapfuura. Nguva yakatarwa ichaita kuti nguva yekutambudzika kwako isabhadharwe. Somuenzaniso, kana iwe wakadzingwa munaJanuary, iwe unenge uine dambudziko rakasununguka kubva munaJanuary kusvika munaJune, asi iwe unoda kuwana inshuwarisi yehutano munaJuly kana iwe unotarisana nemutero wemutero.
Kana kuregererwa kunopera panguva apo hutano hwehutano inshuwarheni huri kugamuchira zvikumbiro zvehutano hwehutano nokuti haisi kunyora kusununguka , usanetseka. Kuregererwa kwako kwekupera kunoita kuti iwe uwane chikamu chekunyora nguva yakakosha .
Saizvozvowo, kana mamiriro ezvinhu akakukwanisa iwe nokuda kwekutambudzika kusunungurwa kunopera kuvapo, somuenzaniso, iwe hausisina misha, iwe uchave wakakodzerwa nenguva yekunyora inokosha kuti uende kunyoresa inshuwarhu yehutano.
Nzira Yokuwana Nayo Dambudziko Rokuregererwa
Kana iwe uchifunga kuti iwe unogona kukodzera, shingairira dambudziko rekusununguka kuburikidza nehutano hwehutano inshuwarheni. Tongotarisa kuoma kwekushandiswa kwekushandiswa kwehurumende yehutano yveshuwaridhi kushandiswa kunoshandisa iwe kuti uzive ruzivo rupi raunoda kuti uunganidze, asi yeuka kuti kushanda kwako kwenyika kungave kwakasiyana.
Tsvaga ruzivo rwekufambisa kwehutano hwehutano hwehutano hwehutano.
Kana iwe uchibvumirwa kuti uwane dambudziko rekushandurwa kwehurumende yako, iwe uchazoti kuregererwa iwe paunoshandisa mutero wako kudzoka. Asi kuregererwa pachako kunofanira kupiwa nekushandurudza-hakugoni kupiwa ne IRS (zvimwe kuregererwa kunowanikwa kubva pakutsinhanisa, uye vamwe kubva ku IRS).
Sources:
Dhipatimendi reHutano neHuman Services. Nzvimbo yeVatengi Ruzivo uye Inishuwarenzi Kutarisa. > Kutungamirirwa pamusoro pekutambudzwa Kubviswa kubva kune mumwe nomumwe Mutoro Wekugoverwa Kupihwa Kwevanhu Vanotarisana Nenguva Dzakasarudzika kana zvimwe Mamiriro ezvinhu. April 9, 2018.
Cohen, Gary, CMS Mutevedzeri Mutungamiri uye Director Center yeVatengi Information uye Inishuwarenzi yekuongorora (Dhipatimendi reZvipatara neHuman Services). Nhungamiro Pamatambudziko Kusarudzwa Kwokuregererwa Nekunyora Kunyoresa Nguva . June 23, 2013.
HealthCare.gov. Matambudziko Kununura, Mafomu, uye Maitiro Okushandisa.
Internal Revenue Service. Mutoro wega wega wega Kugoverwa - Kuregererwa: Kudaidza kana Kuzivisa.
Volk, JoAnn. Georgetown University Health Policy Institute. > Kunzwisisa Mazuva Akare Okunyora: Kutarisa Kune Vamwe Vachave Vakabuda MuLuck. April 3, 2014.