Inishuwarenzi yenguva pfupi inowanikwa gore rose, asi verenga zvinyorwa zvakanaka
Kunze kwekunyora kwakasununguka, mukana wokutenga mutsva wega wega kana kuchinja kubva pane imwe chirongwa kuenda kune umwe unogumira. Vanhu vazhinji vanoda chiitiko chakakodzera kuitira kuti vanyore, kunyange zvazvo vekuAmerica vanogona kunyora gore rose muurongwa kuburikidza nekutsinhanisa, uye ani zvake anokodzera Medicaid kana CHIP anogona kunyoresa chero nguva mukati megore.
Mikana yekunyora yakaderera mumusika mumwe nomumwe inoshandiswa pairi uye kunze kwekuchinjana.
Asi kune mamwe marudzi ehuwandu hunowanikwa gore rose. Zvirongwa zvisina kutarisirwa neAACA zvinogona kutengwa chero nguva, uye zvinowanzosvibiswa kana zvichienzaniswa neAACA-inoenderana nekurapa kwekurapa kukuru. Asi zvakakosha kuti uzive kudhinda kwakanaka apo uchitarisa chirongwa chisina ACA-chinogamuchirika.
Ndezvipi Zvisiri-ACA-Zvakagadzirira Zvirongwa?
Zvirongwa zvisingabvumirano zvinosanganisira zvirongwa zvinorwara zvirwere (kureva, chirongwa chinopa zvikomborero kana iwe uine chirwere chinorwara), zvimwe zvirongwa zvishoma zvingabhadharwa, zvirongwa zvepabhiri (kureva, zvirongwa zvinobhadhara mari shoma kana wakakuvara mune njodzi), zvirongwa zvemazino / maonero (vanaamai vanovhara mazinyo rinotungamirirwa neAACA, asi kuvhara mazino marefu hakuna), uye inshuwarhu yehutano yemazuva mashoma.
Zvizhinji zvezvipikicha izvi hazvina kumbogadzirirwa kushanda semira-oga-iyo yakafanirwa kuwedzera kune imwe chirongwa chehutano hwehutano hwehutano hwehutano.
Saka munhu ane deductible yakakwirira angasarudza kuvawo nemugove wechipfuva uyo achamupfigira kana achikuvadzwa-asi kuwedzera kwengozi pachako kunenge kusina kukodzera kana ukatengwa semunhu chete.
Tsanangudzo ye "Nguva Pfupi" Yakashanduka, uye Zvichida Ichachinjazve
Inishuwarenzi yenguva pfupi yakagadzirirwa kushanda sekumira-oga, kunyange kwenguva pfupi.
Pakazosvika 2017, inshuwarisi yenguva pfupi yakarondedzerwa nehurumende yehurumende semutemo wehuwandu hwemazuva makumi matatu nemazana makumi mana nemasere, kunyange zvazvo dzimwe nyika dzichikwanisa kusvika kumwedzi mitanhatu, uye ruzhinji rwezvirongwa zviripo munyika yose dzakatengeswa nepamusoro mwedzi mitanhatu.
Asi muna 2017, zvirongwa zvenguva pfupi zvinowanikwa chete kwenguva yakareba kusvika kumwedzi mitatu. Izvi zvinokonzerwa nemitemo iyo HHS yakapedzisa pakupera kwegore ra2016, nekugadziriswa kutanga muna April 2017 (zvirongwa zvenguva pfupi zvakazoshanda zvisati zvaitika muna April 2017 zvakabvumirwa kupedza kusvikira pakupera kwe 2017, kana kuti zuva rakapera rakagadzwa nemu inshuwarisi).
Zvisinei, mitemo inogona kuchinja zvakare pasi pekutonga kweTrump. Muna Gumiguru 2017, Mutungamiri Trump akasayira hurumende yakarongeka inotungamirira zvakasiyana-siyana masangano ehurumende "kufunga nezvekugadzirisa mitemo kana kudzorera kutungamirirwa, kusingapindirani nemutemo, kuwedzera kuwanikwa kwe" yemazuva mashoma inshuwarhu yehutano. Chinotarisirwa ndechekuti masangano achapa mitemo kuti adzokere kune yaimbova tsanangudzo yema inshuwalense yenguva pfupi, achibvumira zvirongwa zvekuita kwenguva refu kusvika mumazuva 364.
Zvinotora nguva kuti izvi zviitike, zvisinei, sezvo masangano achazofanira kuburikidza nehutano hwekunyora mitemo uye kubvumira nguva yekutaura pamusoro pavo.
Uye ichati ichave ichine chirevo chekupedzisira mune zvezvakabvumirwa munharaunda imwe neimwe. Zvishomanana zvinorega kurambidza zvirongwa zvenguva pfupi zvachose, uye zvichida zvicharamba zvichidaro. Uye iyo inotaura kuti kare yakagadziriswa purogiramu dzenguva shomanana dzisingasviki mwedzi mitanhatu munguva yakareba dzinogonawo kuchengetedza mutemo iwoyo munzvimbo uye kana hurumende yehurumende inodzokera kune tsanangudzo yayo yapfuura yemainishuwarenzi kwenguva pfupi.
Chii Chandinofanira Kuziva Nezvenguva Zvenguva Pfupi?
Pamusana pezvipingamupinyi zvakawanda (zvinorondedzerwa pasi apa), inshuwalhu yemazuva mashoma yveshuwarhu inodhura yakawanda kudhura kudarika hutano hutano hwehutano hwehutano.
Uye kunyange zvazvo inshuwarisi yenguva pfupi isingawaniki mune zvese zvehurumende, inowanikwa kutenga gore rose, isina nguva yakanyora yokunyora, mune dzimwe nyika.
Asi inishuwarenzi yenguva pfupi haina kutongerwa neAACA. Somugumisiro, pane zvinhu zvakasiyana-siyana zvokuziva nezvazvo zvaunofunga kutenga hurongwa hurefu hwenguva pfupi:
- Zvirongwa zvenguva pfupi hazvifanirwi kuvhara maAACA gumi ekubatsira kwehutano hunokosha. Zvirongwa zvakawanda zvenguva pfupi hazvifukidzi kuchengetwa kwekuberekwa, hutano hwetsika, kana kuchengetedzwa kwekuchengetedza.
- Zvirongwa zvenguva pfupi zvichiri uye zvingabatsirwe mahara , kunyange pamabasa anoonekwa kuti anokosha hutano huri pasi pe ACA.
- Zvirongwa zvenguva pfupi zvinoshandisa nzira dzekurapa, uye haufaniri kuvhara mamiriro ezvinhu akambovapo. Chirongwa ichi chirikubvunza nezvechirongwa chezvechiremba kuitira kuti uone kuwanikidzwa kwekugovera. Uye kunyange zvazvo urongwa hwemibvunzo yezvechiremba pamushandi wehushuwarenzi kwenguva pfupi yakanyanya kupfupi kupfuura urongwa hwemibvunzo yakashandiswa kunge iri pamwero mukuru-yehurumende inshuwarisi yekushanda pamberi pegore ra2014, mazano emigumo kwenguva pfupi anouya nekuvhara bvudzi pavose -mamiriro ezvinhu aripo.
- Zvirongwa zvenguva pfupi hazvirevi kutarisirwa kuti zvive zvishoma zvakakosha kugoverwa, zvinoreva kuti vanhu vanovimba navo vanozviisa pasi pechirango cheAACA chekusabatsirwe , kunze kwekuti vasati vasunungurwa kubva kune chirango (uye chinyorwa kuti chirango chakanyanya kupfuura iye zvino kupfuura muna 2014 uye 2015).
- Nemhaka yokuti havakwanisi kufungidzirwa zvishoma zvakakosha kugoverwa, kupera kwechirongwa chenguva pfupi hachisi chiitiko chakakodzera . Saka kana hurongwa hwenyu hwenguva pfupi hunoguma pakati pemakore uye hauna kukodzera kutenga chimwe chirongwa chenguva pfupi (izvo zvaizova zvakadaro kana iwe wakagadzirisa mamiriro ezvinhu akakomba asati avapo apo wakavharwa pasi pepurogiramu yekanguva shomanana), iwe hauzove nemukana wekunyora muurongwa hwehutano hwehutano hwehutano kusvikira hunyoro hwekunyora hutanga zvakare.
- Iwe unogona kungova nehurongwa hwenguva pfupi kwenguva shoma. Uye apo iwe pachako uchava nemukana wekutenga imwe chirongwa chenguva pfupi apo yekutanga inopera, zvakakosha kunzwisisa kuti uri kutanga neine mvumo mutsva, panzvimbo yekuenderera mberi kwawaimbova nako. Izvi zvinoreva kuti iwe uchatungamirirwa nehutano hwekunyora zvakare apo iwe unyoresa muchirongwa chechipiri, uye chero mamiriro ezvinhu akagara akambovapo apo iwe wakatsigirwa purogiramu yekutanga haazofukidzi pasi peurongwa hwechipiri.
Izvozvo zvakati, kune dzimwe mamiriro ezvinhu apo hurongwa hwenguva pfupi hunonzwisisika. Uye kuti iyo inogona kutengwa chero ipi zvayo mugore ndeyechokwadi kune vamwe vashanduri:
- Kana iwe chete uchida kugoverwa kwemwedzi mumwe chete kana maviri, uye iwe unoziva kuti une hutano hutsva hwakagadzirirwa pamagumo ezuva iroro, chirongwa chenguva pfupi chinogona kuva sarudzo yakanaka. Chirango cheAACA chekushandiswa pasina uninsured hachishandisi kune imwe pfupi shoma pakugoverwa mukati megore, chero bedzi iri pasi pemwedzi mitatu yakareba (mwedzi wemwedzi mitatu inotarisirwa kurangwa, zvisinei). Kana kukanganisa kwako muhuwandu kuchiwedzera kwemwedzi mitatu kana kupfuura, urongwa huri pfupi hunogona kunge huchiri sarudzo yakanaka (kutora zvirongwa zvenguva pfupi zvakare yakabvumidzwa kuva nemakore anopfuura mitatu), asi iwe unoda kuita mumutengo wechirango pamwe nekudhura kwechirongwa chenguva pfupi.
- Kana iwe usina kukonzerwa nechikwereti cheAACA nekuda kwekuti hapasina zvirongwa zvehutano zvakakwanisika mukutengesa (kwegore ra2018, zvigone kushandiswa zvinotsanangurwa seurongwa hunodhura pasi pe8.05 muzana yemari yako yemhuri, mushure mekupi kwekubhadhara mari zvinoshandiswa), chirongwa chemazuva mashomanana chingangodaro chakanakira mhinduro pfupi. Mune dzimwe nyika apo inshuwarano yehutano inodhura zvikuru, vanhu vasingakodzeri kubhadhara mari yepayimusi dzimwe nguva vanoona kuti chirongwa cheAACA-chinotenderwa cheutano chinotipa chikamu chikuru chemari yavo yegore negore. Kana iwe uri mumamiriro ezvinhu aya uye usingakwanisi kutenga unhu hwehutano inshuwarheni uye ungapedzisira usina kugadziriswa (pasinei pasina chirango, uchifunga kuti hakuna shanduro dzekugadzirisa dziripo dzaizodhura pasi pe8.05% yemari yako muna 2018), pfupi -term chirongwa chiri nani kudarika kusava nekusimbiswa, pasinei nokuti iri chirongwa chenguva pfupi.
- Kana iwe uine hutano, chirongwa chechidimbu chekurapa kwechiremba uye chiitiko chisati chavapo chisingazove chinetso. Asi ramba uchiyeuka kuti iwe unofanirwa kutenga chirongwa chechipiri chenguva pfupi apo yekutanga inopera inobatana nekugara wakagwinya.
> Sources:
> Dhipatimendi reVashandi, Dhipatimendi reMariki, Dhipatimendi reHutano neHuman Services. Kunze kweZvibatsiro; Upenyu Hwese uye Zvikamu zvegore negore; uye Yenguva Pfupi, Yakawandisa Nguva Inoshuwarenzi . October 2016.
> Internal Revenue Service. Revenue Procedure 2017-36 .
> WhiteHouse.gov. Presidential Executive Order Kurudzira Utano hweHutano Nokukwikwidzana Munyika yose yeUnited States. Gumiguru 12, 2017.