Vanhu vakawanda vanoita kusvetuka kwekutenda kune hutano hwekugoverana mavhisi
Iko inotengeswa Care Act inoda vakawanda vekuAmerica kuchengetedza hupenyu hwehutano hwehutano kubva munaJanuary 2014. Izvi zvinozivikanwa seyogoverwa mutoro wehutano kana hurumende yega yega, uye inosungirwa nemutero wekutengesa unotarisirwa kuenzana ne $ 1 000 pamusha usina kuvimbiswa we 2016 (chirango nokuti kusave nekusimbiswa muna 2016 kuchaongororwa kutanga kwegore ra2017 apo 2016 mutero unoshandiswa huiswa).
Asi pane runyora rurefu rwekuregererwa kwebasa reAACA . Mumwe wavo anowanikwa kune avo vari nhengo dzehutano hwekugoverana kwehutano hwehutano (HCSM) hwave huripo uye huchienderera mberi kugovera mari dzehutano hwemhengo kubvira musi waDecember 31, 1999.
Izvo zvinodiwa neAACA nezveHCSM zvinoratidzwa papeji 148 yemashoko emurairo (Chikamu 1501) . IHSCM inofanira kuramba ichibatanidza nhengo mushure mekunge varwara, uye inofanirwa kuve nekugadzirisa kwegore negore kwakaitwa nehurumende yekuzvimirira yepamusoro. Uye nhengo dzeHCSM dzinofanirwa " kugovera sarudzo yakafanana yemitemo kana yechitendero uye kugoverana mari yezvokurapa pakati pemapoka maererano nezvinodiwa ."
Kubva muna 2014, paiva neHCSM makumi mashanu nemashanu (53 HCSMs) yakange yakasimbiswa nehurumende yehurumende, uye nhengo dzadzo dzisingabvumirwi neAACA yekugoverana kwekutarisira. Mazhinji eHCSM anozivikanwa anoshandiswa nemachechi maduku eAmish neMenonite, uye ave nevashoma vanopfuura zana (nyora kuti kubvumirwa kweCAA kwechitendero kune mumwe munhu - yakasiyana nedzimwe kuregererwa kweHCSM - inoshandawo kune vaAmish nevakuru veMennonite vekare ) .
Asi kune huwandu hweHCSM, uye huwandu hwehutano huri kukura kubva kuvanhu vanenge 110 000 muna 2010 kusvika kune 530 000 vanhu kutanga kwegore ra 2016. Zvikonzero zvakawanda zvinoverengera kukura, kusanganisira vamwe vechiKristu 'chido chekudzivirira zvirongwa zvehutano zvinobata mabasa sekudzivirira pamuviri uye kubvisa pamuviri, uye osarudza pane zvirongwa zvinogovana mari yekuchengetedza utano pamwe nevamwe vaKristu mune imwe nzira yebhaibheri.
Mukuwedzera, nhengo dzeHCSM dzinowanzodhura kupfuura mari yemishonga yveshuwarisi, kunyange zvazvo izvozvo zvakasiyana zvakanyanya zvichienderana nokuti kana mhuri yacho inokodzera kuwana mari inobhadharwa muhutano hwehutano hwehutano.
Kana uri kufunga nezvekuderedza hutano hwako hwehutano mukuda kwehutano hweHCSM, hezvino ndizvo zvaunoda kuziva:
- HCSMs haisi inshuwarhu yehutano, uye haauyi nehutano, mavimbisi, uye kuvhengetedza kwevatengi izvo zvinowirirana pane zvirongwa zvehutano hwehutano. Maererano neAlliance of Health Care Sharing Ministries, nyika 30 " dzakanyatsoziva hurumende yehutano yekugoverana mune zvemitemo yehurumende uye yakatsanangura kuti hurumende yemainshuwalense ehurumende haisi kushanda kumashumiri kana vatori vechikamu ." Mune mamwe mazwi, mitemo yehushuwarisi nemitemo mumatunhu iwayo haashandisi kune HCSM, uye dhipatimendi rehurumende yehupfumi haigone kupindira kune nhengo kana zvinetso zvamuka.
- Zvisinei, maHCSM ndiwo 501 (c) (3) kubatsira, saka vanotungamirirwa neInternal Revenue Service uye avo vezvematongerwo enyika.
- HCSM haifaniri kutevera maAACA mitemo. Izvi zvinoreva kuti havafaniri kuvhara zvakakosha zvinobatsira mune zvehutano, vanogona (uye vanoita) vachiri kusanganisa mamiriro ezvinhu akambovapo, uye vanogona (uye vanoita) kupa mari yegore negore uye yehupenyu hunobatsira .
- Pane zvinonetsa kuti HCSM inogona kuderedza kusagadzikana kwehutano hwehutano hwehutano hwehutano. Izvozvo ndezvokuti HCSMs inowanzokwezva vanyori vane hutano hwakanaka sezvo vasina kuvhara mamiriro ezvinhu akambovapo. Vanodawo kuti nhengo dzidzivise zvinhu zvakadai sepabonde kunze kwomuchato, kushandiswa kwefodya, zvinodhaka zvisina kukodzera, uye kushandiswa kwezvinodhaka, izvo zvinobatsira zvakare kuvandudza hutano hwehutano hwavo. Asi nekusavapo, izvo zvinoguma mune zvishoma-zvine utano huwandu hwehuwandu hwehutano hwehutano hwehutano, uye pakupedzisira, zvikwereti zvakakwirira.
- HCSMs inogona kuramba kugovera zvirevo zvinokonzerwa nemitemo inorambidzwa. Saka mukadzi ane pamuviri asina kuroorwa angave asina kukodzera kuberekwa, uye zvinhu zvakadai sokurapa doro kana kushandiswa kwezvinodhaka zvisingagoni kugoverana nedzimwe nhengo.
- Kana iwe ukaguma uchitarisira utano hwehutano husati hwakafukidzwa neHCSM yako, kana kana mabhiriro ako ari kupfuura zvikwata zvekugoverana zvakatemwa neHCSM yako, unofanira kutarisira kusvika panguva inotevera yokunyora kuve yakanyoreswa kuti usayine urongwa hweAACA-hunotenderwa, kunze iwe une chiitiko chakakodzera .
- HCSMs inogona kuva nePPO mitambo (nhengo dzaizova nemhosva yezvimwe zvikwereti kana dzichienda panze kunze kwenhare), kana kuti dzinogona kugoverana nhengo dzemari 'zvisinei nokuti vanachiremba uye zvipatara zvinoshandiswa - zvinoenderana neHCSM.
- Kana iwe uri nhengo yeHCSM, haufaniri kubhadhara chirango cheAACA chekusabvumirwa , uye iwe uchishandisa Fomu 8965 kuti uratidze izvi paunoshandisa mutero wako wekudzokera. Chimiro chacho chine zvikamu zviviri - chikamu chepamusoro ndechokuti unoisa zvikwereti zvinopiwa nekutsinhanisa munharaunda yako, uye chikamu chepamusoro ndiko kwaunoisa kuregererwa kwaunowana kubva ku IRS paunoshandisa kudzoka kwako. Kuregererwa kwemasangano eHCSM kunowanikwa nenzira mbiri:
- Kuti uwane rusununguko kubva kune shanduriro, taura kugoverana munharaunda yako (kana iwe uri mune imwe yenyika 38 inoshandisa Healthcare.gov, iyi ndiyo fomu yekukumbira yekusununguka yaunoshandisa). Iwe uchishandisa chikwangwani chekuregererwa nhamba yaunowana kubva pakutsinhanisa kuti uzadze chikamu chepamusoro cheFomu 8965.
- Kuti utaure kusunungurwa paunoshandisa mutero wako, unoshandisa chikamu chezasi cheFomu 8965, uye shandisa kadhi "D" mu "chinyorwa chekuregerera" column. Kana iwe usina chokwadi kana uhu hwako hunofanana nehumwe huchakuregedza kubva kumutemo weAACA wega chirango, taura neHCSM yako kuti uwane mamwe mashoko (kana, muenzaniso wako, HCSM yako haina kushanda kubvira musi waDecember 31, 1999, iwe 'd uchiri kukwanisa kubhadhara mutemo wega wega kana iwe usina imwe mhando yeiyo inokosha inokosha inoshandiswa).
Zvinonzwisisika : Nyaya iyi ndeyekuti vanhu vese vawane ruzivo, uye hazvifananidzi kupa mazano emitero. Ongorora nemumwe muteresi wekuteresa usati wataura kuregererwa kweHCSM kumutemo wega wega.