Abaqeshi abakhulu kufuneka banikezele ngokukhawuleza, kodwa njani le nto inqunywe?
Ngaphantsi kwegunya lomqeshi loNonophelo olungabonakaliyo, abaqeshi abakhulu (abo abanomsebenzi olingana nexesha elipheleleyo labasebenzi abangama-50) kufuneka banikele i-inshurensi yempilo ngexesha labo elipheleleyo (ii-30 + iiyure ngeveki) okanye bajongane nezohlwayo zemali.
Kukho ububanzi obanzi ngokubhekiselele kwendlela abaqeshi abaninzi abanokuyenza ngayo, kodwa ukuze bahambisane nomgunyazo womqeshi, ukukhutshwa kufuneka kubonelele ngexabiso elincinci kwaye kuthathelwe ingqalelo kumsebenzi ongenakho.
Ixabiso elincinci lithetha ukuba isicwangciso sichaza ubuncinane ama-60 ekhulwini kwiindleko zonyango eziqhelekileyo, kwaye zibonelela "ukunika ingxelo enkulu" ngononophelo lwezonyango kunye neenkonzo zonyango (phawula ukuba ixabiso elincinci alinanto efanayo neyobambiso olubalulekileyo , kodwa umqeshi izicwangciso ezibonelela ngexabiso elincinci zihlangabezana neemfuno zobuncinci obubalulekileyo).
Kodwa ukukwazi ukukwazi ukukwazi ukufumana umlinganiselo kunesimo esiphezulu ngakumbi kuba kuxhomekeke kwinxalenye enkulu kwingeniso yomntu. Abaqeshi kunye ne-IRS bachonga ukuba ngaba isicwangciso sinakho ukuhlawulela abasebenzi?
Ukuzimisela ukungaqiniseki: Abaqeshi basebenzise iziThamo zokuThuthuka kweeHothu
I-IRS ibona ukuxhomekeka komqeshwa onokuhlawulekayo nje kuphela ukuba isabelo somqeshwa seprayimenti sokufumana isigxina kuphela asigqithisi i-9.56 pesenti yomvuzo wekhaya lomqeshwa ngo-2018 (eli phesenti likhokhelwe ukunyuka kwemali ngonyaka ngamnye; ngo-2014, kunyuka ngonyaka kunyaka ka-2017, kwaye ke wehla kancane ngo-2018).
Kubalulekile ukuqonda "inxalenye yedwa" yenkcazo. Iindleko zokongeza amalungu entsapho kwisicwangciso somqeshwa aziqwalaselwa xa kufikeleleka. Yonke into ebalulekileyo kukuba umqeshwa ufanele ahlawule yona nje kuphela. Ngelishwa, amalungu omndeni awafanelanga ukufumana inkxaso-mali ye- premium kumashishini ngamnye xa afumana ukufikelela kwiprogram phantsi kwecebo elixhaswe ngumqashi elithathwa njengelithengelekayo kumqeshwa, kungakhathaliseki ukuba kuya kuba nexabiso elingakanani ukongeza intsapho kumqeshi- cwangciso esixhaswe.
Oku kwaziwa ngokuba yi- glitch yentsapho .
Ngoko ukuzimisela ukufikelela ngokufanelekileyo kukuthe ngqo: ukuba umrhumo wakho umqeshi unikezela uza kuhlawula imali engaphezu kwe-9.56 yepesenti yengeniso yakho yendlu ngo-2018, ayithathwa njengento efikelelekayo. Kwimeko enjalo, uza kufumana inkxaso-mali ye-premium kwintsebenziswano ukuba ufuna ukuthenga isicwangciso somntu ngamnye, kwaye umqeshi wakho uya kuba phantsi kwesigwebo somyalelo somqeshi.
Kodwa umqeshi uyazi njani umvuzo wakho wekhaya? Ukuba usebenza ixesha elipheleleyo lomqeshi omkhulu kwaye ukugqithiswa kwakho kugqiba kungenakucinganiswa xa kuthelekiswa nengeniso yakho yomzi, umqeshi wakho ulungele ihlwayo, enokuthi ibe yinto eninzi. Nangona kunjalo, abaqeshi abanakho ukufikelela kwiinkcukacha ngokumalunga neengxowa-mali zabo zabasebenzi.
Ukujongana nale ngxaki, i-IRS yakha izibalo ezintathu "ezikhuselekileyo zokubala" abaqeshi abangayisebenzisa. Ngethuba nje umqeshi unikezela ngexabiso elincinci lokubhengezwa okubhekiselwe ukuhlawuleka ngokusebenzisa enye yeendlela ezikhuselekileyo zokuhlala, umqeshi akayi kuba nexhala malunga nezohlwayo.
IiHlebhu eziKhuselekileyo
- I-W2 umvuzo okhuselekileyo . Ukusebenzisa le ndlela, umqeshi kufuneka aqiniseke ukuba iindleko ze-premium zezempilo zeprojim yezempilo zonyaka wonke zingadlulanga ngaphezu kwe-9.56 pesenti yomvuzo we-W2 womqeshwa ngo-2018. Unokubeka umrhumo we-premium womqeshwa njengexabiso leedola nganye ngexesha lokuhlawula okanye ipesenteji yengeniso (eyahluka, ukuba ingeniso yomqeshwa ihluka), kodwa kukho imingcipheko yokulungiswa kweminikelo yeminyaka eminyaka ukuphendula ngeenguqu kwimali engenayo. Ngoko le ndlela ibhetele kubasebenzi abanemivuzo eqhubekayo kunyaka.
- Umlinganiselo weholide elikhuselekileyo lokuhlawula . Ukusebenzisa le ndlela, umqeshi ubheka umvuzo wehora lomqeshwa njengesiqalo sesicwangciso sonyaka (okanye umvuzo omvuzo weeyure owenziwa ngumsebenzi ngexesha lenyanga leyo), uyayandisa ngokuyi-130, kwaye ubale i-9.56 pesenti yaloo nto. Esi siphumo siza kuba sisixa esiphezulu sokuba umqeshwa angafuneka ukuba ahlawule umyinge wezempilo kwinyanga leyo. [Ukubalwa kweeyure eziyi-130 kusetyenziswa nokuba kungakanani iiyure umqeshwa asebenzayo, kuba loo nto ingcaciso engundoqo yomsebenzi wesikhathi esigcwele.]
Kwimeko yabasebenzi abahlawuliweyo, umlinganiselo weendlela zokukhusela iindawo ezikhuselekileyo zifuna umqeshi ukuba aqinisekise ukuba ixabiso le-premium yomqeshwa alidluli kwi-9.56 pesenti yomvuzo wenyanga.
- I-level yobuhlwempu e-Federal safety port . Ezi ziphumo zeendlela ezikhuselekileyo ze-harbor kwi-premium efunekayo yenkxaso ye-premium kubo bonke abasebenzi, ekubeni isekelwe kwinqanaba lehlwempu, kungekhona kumvuzo ngamnye womqeshwa. Ukusebenzisa le ndlela, umqeshi wakho kufuneka aqinisekise ukuba iindleko zakho ze-premium azidluli kwi-9.56 ekhulwini kwinqanaba lehlwempu.
Ngo-2018, inqanaba lentlupheko le-federal i-$ 12,140 (ngomntu oyedwa, yilokho oku kubalwa oku kubalwa). Ngoko ukuba umqeshi wakho usebenzisa le ziko elikhuselekile, iindleko zakho ze-premium zindleko zokubhengezwa kwakho ngo-2018 azikwazi ukudlula i-$ 1,161-okanye i-$ 97 ngenyanga. Eli nqanaba elisekhuselekile liza kubakho kwizinga eliphantsi kakhulu leeprayimari ukuba abasebenzi baya kufuneka bahlawule ukuxhamla kwabo, kuba abasebenzi abaninzi bexesha elizeleyo bafumana ngaphezulu kunqanaba lokuhlwempuzeka.
I-IRS ikwazi njani ukuba iWorld Method ekhuselekileyo yoMqeshi wam wasebenzisa?
Umqeshi wakho ufayile ingxelo ekuqaleni kwonyaka ngamnye nge-IRS (kwaye ikuthumelele ikopi), echaza inkcazo enikezelwa yona kunyaka ongaphambili. Le Fomu 1095-C .
Kwi-16 yale fomu, umqeshi wakho uya kufaka ikhowudi ukucacisa ukuba yeyiphi indlela ekhuselekileyo yokuthutha (ukuba kukho). Iikhowudi zichazwe kwimimiselo yomqeshi kwifom ye-1095-C : I-Code 2F ithetha ukuba umvuzo we-W2 usetyenziswe; I-Code 2G ibhekiselele kwinqanaba lehlwempu elisemgangathweni elisetyenzisiweyo, kwaye i-2H ithetha ukuba izinga lokuloba elikhuselekileyo lokuhlawula liye lasetyenziswa.
Ingeniso yeNgxowa-mali eyongezelelweyo ayibalwa kwiiNkqubo zoKhuseleko eziKhuselekileyo
Ekubeni umqeshi wakho unokufikelela kwisabelo sakho semali yengeniso yakho, konke oko kuya kuthathelwa ingqalelo ukuba umqeshi wakho usebenzisa isibalo esiphephile sokubala. Kwaye ukuba isetyenziselwa ukusetyenziswa kwinqanaba lehlwempu, isekelwe kumgangatho wobuhlwempu kumntu oyedwa kuphela. Ukuba lakho iqabane linemali eyongezelelweyo ingenakubalwa xa umqeshi wakho eqinisekisa ukuba ii-premiums zakho azidluli kwi-9.56 pesenti yengeniso yakho.
Abaqeshi abafunwa ukuba basebenzise ukubala okukhuselekileyo. Kodwa izigwebo zokungathobeli umyalelo womqeshi zichanekile, kwaye abaqeshi abanikezelayo ngokubanzi abanqweneli ukuphelisa ngokungabonakaliyo ukunika ingcaciso engahambisani nezikhokelo zokufikelela.
Kuthetha ukuthini konke oku kubasebenzi?
Ukuba usebenza ixesha elipheleleyo kumqeshi omkhulu, mhlawumbi unikwe i-inshurensi yempilo enokungabibizi ngokwezibonelelo zakho, kuba abaqeshi bafuna ukuqinisekisa ukuba bahambelana nomyalelo womqeshi we-ACA. Kodwa iiprayimenti zinokuba zininzi xa ungeze amalungu entsapho kwisicwangciso sakho, kuba abaqeshi abafunwa ukwenza uhlawulelo olunokuthi lube lukhulu kuwe, kungekhona lwakho lentsapho.
> Imithombo:
> I-Cornell Law School, i-Legal Information Institute. 26 I-US Code 36B, i-credit refundable ye-coverage phantsi kwesicwangciso sezempilo esifanelekileyo. 36B (c) (2) (C) (i) (II).
> Isebe Lempilo Neenkonzo Zoluntu, i-Ofisi yoNcedisi uNobhala weCwangciso noVavanyo. Izikhokelo zeNtlupheko zeHHS ze-2018. NgoJanuwari 13, 2018.
> INkonzo yeNgeniso yangaphakathi. Inkqubo yeNgeniso 2017-36 .