Nzira Yokudzivisa Nayo Mvumo Yomunhu Mumwe Nomumwe Wakatarirwa Mutoro Mhosva
Kana iwe usingadi kubhadhara mutero wemutero, iwe unofanirwa kuva nehutano inshuwarheni kana kukodzera kubhadhara kubva kune mumwe munhu ane chirango chechirango . Chimwe chezvakagadzirwa neCountable Care Act , chirongwa cheumwe munhu , inopomera vanhu vanoenda vasina inshuwalhu yehutano nekuita kuti vabhadharwe mutero unonzi kugoverwa kubhadhara mutoro . Kune nzira mbiri chete dzakapoteredza chirango ichi:
- Iva nehutano inshuwalhu inotarisirwa iyo inonzi inokosha inokosha inoshandiswa, kana
- Mvumo yekuregererwa kubva pachirango.
Ndiani Akasunungurwa Kubva Murairo weMunhu Mumwe oga?
Iwe unogona kunge usina kubhadhara kubva kumunhu mumwe nomumwe mushonga wehutano wehutano inshuwarheni kana iwe:
- Hausi muUnited States zviri pamutemo, OR unogara zvikuru kunze kweU.S. (kwemazuva anenge 330 pagore)
Izvi zvinoshandawo kana uri mugari weGuam, American Samoa, Northern Mariana Islands, Puerto Rico, kana kuti US Virgin Islands, uye iwe hauna hukama huri pedyo neUnited States kana kune imwe nyika pane iwe unoita kuUnited States nzvimbo yaunenge uchida kugara. - Vari mujeri kana mutirongo, kunze kwekuti iwe uri mutirongo uchimirira kutongwa kwemhosva.
- Ndiyo Nhamba yeAlaskan kana nhengo yeIndia Tribe.
- Iva nemari shoma yakakwana yekuti iwe hauna kutarisirwa kuisa mubhadharo wemari
Iwe unowana mari yakawanda sei iwe usati wadiwa kuti uise mitero yemari? Muna 2016, vanhu vaigona kuwana $ 10,350 vasati vasvika, uye vakaroorana vaigona kuwana $ 20 700. Asi, inochinja gore negore. Kana iwe uchida kuziva chifukidzo chekufambisa chero gore ripi neripi, rinowanika mu IRS chinyorwa 501 chegore iroro, chaunogona kuwana kubva ku IRS Mafomu & Publications webpage.
- Ita zvinopesana nechitendero kune inshuwarisi
Kuti zvikwanise kubhadhara izvi:- Iwe unofanirwa kuva nhengo yeboka rechitendero rinozivikanwa.
- Iwe unofanirwa kusunungura zvose zvako zve Social Social benefits.
- Komisheni ye Social Security inobvumirana kuti chitendero chako chinopesana neshuwarisi yezvinhu zvakadai sekufa, kuremara, nekurapa.
- Komisheni anofanira kuwana kuti nhengo dzechitendero chenyu dzakagadzirisa kupa vamiririri avo vanovimba sezvo vasingashandisi inshuwarisi sekuchengeteka-netsika.
- Icho chikamu chinofanira kunge chave chichiripo chiripo kubva munaDecember 31, 1950
- Uri nhengo yehutano hwekugoverana kwehutano.
Utano hwekugoverana kwehutano huri mapoka mapoka ezvitendero zvevanhu vanobatsirana nekubhadhara zvikwereti zvemishonga. Iwe unogona kudzidza zvakawanda pamusoro pehutano hwekugoverana hurumende kubva kuThe Alliance of Health Care Sharing Ministries. Kuti urege kusunungurwa kubva pamutemo wega wega, chirongwa chako chekugoverana kwehutano chinofanira kunge chakavepo kubvira 12/31/1999, kunyange zvazvo nhengo itsva dzichigona kubatana chero nguva. Uyezve, kuongorora kwegore negore kwehutano kunofanirwa kuwanikwa kuvanhu. - Hazvikwanisi kubhadhara
Kuti uonekwe kuti hauna kugadziriswa , purogiramu yakaderera-yebhadharo hurongwa hwekutsinhanisa munharaunda yako inofanira kudhura zvinodarika 8.05 kubva muzana yemari yako yemhuri muna 2018 (mitsva itsva pamusoro peiyi inoparidzirwa gore negore ne IRS). Iko kuwedzera kunobva pane zvikwereti zvinotora mushure mokunge mari yechikwereti chemari yepamusoro (premium rubatsiro) inoshandiswa, saka kana iwe uchikwanisa kubhadharwa mari yepayimusi, hazvigoneki kuti iwe unokodzera kubhadhara mari. Kana iwe usingakodzeri kubhadhara mari yepayimusi, zvisinei, iwe unogona kunge wakakodzerwa nekukwanisa kusunungurwa. Munzvimbo dzine inshurenzi inodhura, kunyange vanhu vane mari yakawanda yakakwana vanogona kukodzera kuwana mari yekusununguka.
- Wakaenda pasi pemwedzi mitatu inotevera mushure mekuvhara
Iwe unongobvumirwa kushandisa shanduro iyi kamwe kamwe pagore, uye chete chiitiko chekutanga gore negore chinokonzerwa. Somuenzaniso, kana iwe usina kuvimbiswa kwemwedzi umwe munaFebruary uyezve zvakare kwemwedzi umwe munaAugust, iwe uchazongobhadharwa kubva kune chirango chaFebruary. Iwe uchabhadhara chirango chekugoverana chairo chaAugust. Uye mukana wekugadzirisa unofanirwa kunge uri wehutanhatu hwemwedzi mitatu-mwedzi miviri yakanaka, asi mwedzi mitatu pasina kuvharidzirwa kunogona kuunza mubairo wemwedzi mitatu yose. - Iva nehutambudzi hunokudzivirira zvakakodzera kuti uwane inshuwarisi yeutano
Utano hwako hwehutano inshuwarheni hunofanira kusarudza kuti une dambudziko rinoshandisa kukwanisa kwako kuwana inshuwarhu yehutano. Kuwedzana kunoshandisa mitemo nemitemo yekuita sarudzo iyi. Iwe unogona kudzidza zvakawanda, " Kuwana Sei Kuoma Kwekugadzirisa ."
- Iwe ungadai wakakodzerwa neMedicaid kana nyika yako yakawedzera Medicaid
Kana iwe uri mune imwe nyika isina kukura Medicaid uye chikonzero chega chaunofunga kuti hachina kukodzera kuMedicaid ndechekuti nyika yako haina kutambanudzirwa kuAACA's inogadziriswa mitemo, iwe unokodzera kusunungurwa kubva pachirango. Izvi zvinosanganisira vanhu vari muMedicaid kuvhara kwepakati (kureva, uye nemari iri pasi peurombo hwehurombo), asi inosanganisira vanhu vane mari inenge iri pakati pezana nezana ne 138 muzana yehurombo, iyo inokodzera kubhadharwa mari yepayimusi muchitsinhanho asi akakodzera kuMedicaid panzvimbo iyo kana nyika yavo yakagamuchira mari yezvemari yekuwedzera kufungidzirwa kweMedicaid. - Iwe uri muzvipiri naAmeriCorps, VISTA, kana National Civilian Community Corps
Iyi masangano anopa vashandi vavo vane inshuwarhu yehutano yemazuva mashomanana isingatariswi kuti inotarisirwa kugoverwa inokosha uye haikwanise kuzadzisa gwaro reAACA. Asi kuregererwa kunoreva kuti hapana chirango chevaya vanozvipira.
Ndingawane Sei Kuvhara Kwemishonga Inishuwarenzi?
Yenyu yveshuwarhu yehutano kushandiswa inosungirwa kupa zvikwereti, asi vamwe vanofanira kutorwa pamutero wako wekudzoka. IRS ine peji yepawebhu inotsanangura nzira imwe neimwe inogona kuwanikwa.
Kana uri kuronga kushandisa shanduro inofanirwa kubvunzwa pamutero wako wekubhadhara, kushandurwa kunogona kupindura mibvunzo uye kukubatsira kuona kana iwe uchida kukwanisa kubhadhara. Mune zvimwe zviitiko, kuregererwa kwakafanana kunogona kuwanika mberi kubva pakutsinhanisa, kuti usatarise kumira kusvikira iwe ukakanda mitero yako.
Kana kuregererwa kwako kunokonzerwa nekuwana mari shoma yakakwana yokuti iwe haufaniri kuisa mitero yemari yemutero, iwe haufaniri kushevedza kubhadhara; zviri nyore. Kana iwe ukakanda mitero kunyange iwe usingafaniri, semuenzaniso, nokuti iwe unoda kubhadhara mari, haufaniri kubhadhara mutero wechirango.
Ini Handikwanise Kuita Utano Woutano Inishuwarenzi; Ndingadzivisa Sei Kurangwa?
Kana iwe usingakodzeri kubhadhara uye iwe usingadi kupiwa chikwereti, bhiza rako rakanakisisa nekuda kwekuzvidzivirira ndekuwana inshuwarano yehutano.
Kana iwe usingashandi kana usingakwanisi kuwana inshuwarhu yehutano kuburikidza nemushandi wako, yako inotevera yakanakisisa ndeyekuti uedze utano hwehutano hwehutano hwehurumende. Zvose zveurongwa hwehutano hwehutano huri kutengeswa kuburikidza nekushandura huchasangana nemitemo yezvishoma zvishoma inotarisirwa. Shanduro yacho ichaongorora zvakare kuti uone kana iwe uchikwanisa kubhadharwa chero kupi zvako ( zvikwereti zvemari yepayimari kana kuderedzwa kwezvinhu zvinodhura ) kuti zvikubatsire kutenga mari uye / kana kuderedza mari yaunotarisana nayo paunoshandisa utano hwako inshuwarisi.
Usati watenga zvehutano inshuwarano muhutano hwehutano hwehutano hwako, dzidza kuti ungasarudza sei hutano hwehutano hurongwa huri hwakanakisisa hwakakwana hwezvido zvehutano hwako uye bhajeti yako .
Sources:
Sangano reHutano Care Sharing Ministries
> Internal Revenue Service. Mutoro wega wega wega Kugoverwa - Kuzivisa uye Kuverenga Mutero.
> Internal Revenue Service. Revenue Procedure 2017-36 .
Legal Information Institute. 26 US Code 5000A (Affordable Care Act).