Ukwandiswa kweMedicaid kunye ne-ACA inkxaso kuxhomekeke kwingeniso, kungekhona ixabiso
Uxhasomali lwe-Premium Care Act (ACA) lwe-premium (iikhredithi zerhafu ye-premium) alinaso uvavanyo lwexabiso. Kwakungekho nokwandiswa kweMedicaid phantsi kwe-ACA. Kuzo zombini iimeko, ukufaneleka kukusekelwe kwiholo. Akunandaba nokuba baninzi imali ebantwini okanye kwimarike yemasheya, okanye ubuninzi bemakhaya abo. Uncedo olufumaneka nge-Medicaid olwandisiweyo okanye inkxaso-mali ye-premium lusekelwe kuphela kwingeniso yonyaka.
Ukwandisa iMedicaid
KwiSithili sase-Columbia kunye nama-31 aseburhulumenteni athe awandisa iMedicaid, i-Medicaid coverage iyatholakala ukuba ibhalise kunye neengeniso zekhaya ukuya kwi-138% yezinga lehlwempu. Umyinge womvuzo womntu oyedwa ungama-16,753 ayi-$ 16,753 ngo-2018, kodwa njengoko inqanaba lentlupheko linyuka ngaphezu kwexesha, umyinge ophezulu wokufumana ukufaneleka kweMedicaid ukwandisa (iimvavanyo zee-asethi zisasetyenziselwa ukufaneleka kweMedicaid kwezinye iimeko -mzekelo, abantu abadala kwikhaya labahlengikazi elihlawulelwa nguMedicaid).
Kwi-18 yezinye iingu-19 (zonke i-Wisconsin) ziqikelelwa, ziqikelelwa ngabantu abayizigidi ezingama-2.4 abaphakathi kwendawo yokungabikho kwe-inshurensi ye-inshorensi yezempilo-abafanelekanga kwi-Medicaid, kunye neengeniso zabo ziphantsi kakhulu inkxaso-mali yee-premium, ezingenanga ngaphantsi kwezinga lehlwempu.
Iikhredithi zerhafu ye-premium (aka, inkxaso)
Kwizifundo ezingazange zandise iMedicaid, ukufaneleka kwemali-mali ye-premium kwintsebenziswano kuqala kwinqanaba lehlwempu, kwaye lifikelela kuma-400% kwinqanaba lehlwempu.
Kwizifundo eziye zandisa i-Medicaid, ukufaneleka kwemali-mali ye-premium kuqala apho ukufaneleka kweMedicaid kuphelisa (138% kwinqanaba lehlwempu) kwaye lifikelela kwi-400% yezinga lehlwempu.
Kwintsapho yezine, i-400% yezinga lobuhlwempu njengamanje i-$ 98,400 engeniso yonyaka. Kwindlu yamabini, i $ 64,960 kwimali engenayo yonyaka.
Kubalulekile ukuba uqaphele ukuba abanye abafake izicelo abafanelanga ukufumana inkxaso-mali, nangona benenzuzo engaphantsi kwe-400% yezinga lehlwempu. Oku kunjalo ngokukodwa kubantu abancinci (aba-premiums abo baphantsi ngenxa yobudala babo) kunye nabantu abahlala kwiindawo apho ama-premiums asekuqaleni angabaniki mali aphantsi.
Kodwa wonke umntu onenzuzo engenayo ukuya kwi-400% yezinga lehlwempu (ngaphandle, ngelanga, abantu abakwicala lokungena kwi-Medicaid), i-ACA iqinisekisa ukuba icebo lesibini eliphantsi kwexabiso leSiliva aliyi kubabiza ngaphezu kwexesha lokuqala. igalelo lepesenti yengeniso yabo.
Yintoni ebaluleke njengeniso?
Ulungelelwaniso lokwandisa iMedicaid kunye nenkxaso-mali ye-premium phantsi kwe-ACA kuxhomekeke kwi-income tax adjusted total income (MAGI). Kwaye kukho i -ACI ethile ye-MAGI . Uqala ngeholo lakho elipheleleyo elinguqulekileyo (AGI), elinelayini 37 kwiFom 1040 (Umgca we-4 kwiFom 1040EZ, kunye neNgcanelo 21 kwiFomu 1040A).
Emva koko kukho izinto ezintathu ekufuneka zongezwe kwi-AGI yakho ukuze ufumane i-MAGI yakho ukucacisa inkxaso kunye nokufaneleka kwempilo. Ukuba unayo imali evela kuyo nayiphi na imithombo, kufuneka uyifake kwi-AGI yakho (ukuba unayo imali engenayo nayiphi na yale mithombo, i-MAGI yakho ilingana ne-AGI yakho):
- Ingeniso engekho yentlawulo yeNhlalakahle yeNtlalo
- Ingeniso yenzalo ehlawulwa yerhafu (umzekelo, ukuba unamabhondi kamasipala ahlawulwa ngerhafu)
- Amazwe angaphandle afumana imali engenayo kunye neendleko zezindlu kumaMerika ahlala phesheya
Ukufaneleka kwakho koxhaswa (kunye nokufaneleka kweziMedicaid kumazwe angama-31 awandise iMedicaid) kuxhomekeke kwi-MAGI yakho. Kodwa akukho vavanyo lwamaxabiso.
Abanye abachasene ne-ACA baye bakhala ihlazo, bekhalaza ukuba abantu abanezigidi zemali-mali abanokufumana iimali zenkxaso-mali kwi-exchange. Oku kuyinyani, nangona ingeniso-mali engenayo ngaphandle kwe-akhawunti ehlawulwe irhafu (401k, i-IRA, i-HSA, njl. Njl) ibalwa njengengeniso yonyaka. Ngoko umntu ongenamsebenzi ongasebenziyo kodwa ofumana i-$ 50,000 kwimali yokutshala imali ngexesha lonyaka kwi-akhawunti ehlawulwayo akayi kufumana inkxaso-mali ye-premium kwintsebenziswano (umyinge ophezulu umvuzo okwangoku i-$ 48,240 enye umntu).
Ikhefu leentlawulo ze-inshorensi yezempilo yinto evamile
Kodwa kubalulekile ukuba uqaphele ukuba inkxaso-mali ye-premium ye-ACA nje yintengo yemboleko yerhafu. Kubantu abafumana i-inshorensi yempilo evela kumqeshi-eyona ininzi yabantu baseMelika abangengabantu abadala-bekuye kubekho ikhefu lokurhweba. Inxalenye yeeprayimari ezihlawulwa ngumqeshi zihlawuliswa ngumqeshwa. Yaye isahlulo se-premium ehlawulwa ngumqeshwa yintlawulo yokuhlawula i-tax pre-tax.
Akuzange kubekho iimvavanyo ze-asethi-okanye iimvavanyo zengeniso kuloo mbandela-ngeli lungiselelo.
Ngakolunye uhlangothi, iipresimenti zempilo zomshuwalense zonyango zihlawulwa ngokupheleleyo ngabantu abaqeshwe ngabanye. Abantu abazithengile zabo iimali kodwa bengabasebenzi (umz., Basebenzela umqeshi ongeke banike inkxaso) kunokubandakanya iiprojama ze-inshorensi yempilo kwiindleko zabo zonyango zonyaka, kodwa kuphela iindleko zonyango ezidlulayo kwi-7,5 yepesenti yengeniso ingancitshiswa. Lo mbundu uya kunyuka ukuya kuma-20 ekhulwini ngowama-2019. [Kwakuqhele ukuba ngamaphesenti angama-7.5, kodwa i-ACA yenyusa ukuya kuma-10 ekhulwini ngo-2017. Nangona kunjalo, uMthetho weCandelo loCwetho kunye neMisebenzi, owenziwe ngoDisemba 2017, wanciphisa umyinge ukuya ku-7.5. ipesenti ngo-2017 no-2018.]
Ngoku ukuba i-ACA inika inkxaso-mali ye-premium kwizigidi eziliqela zabantu abane-inshurensi yempilo nganye, ngokuqinisekileyo imiswe kwintsimi yokudlala ngokweentlawulo zerhafu kubantu abazithengela zabo iinshurensi zempilo kunye nabantu abafumana i-inshorensi kumqeshi (nangona abantu bafumana ngaphezu kwe-400% kwinqanaba lehlwempu kwaye bathenge i-inshorensi yabo yempilo basenako ukungabikho kwengqiqo yerhafu xa kuthelekiswa nabalingani babo abafumana i-inshorensi yempilo exhaswe ngumqeshi).
Umntu onesigidi seedola ekulondolozeni kodwa kuphela imali engama-30,000 / ngonyaka kwimali engenayo (ingeniso-mali okanye inzuzo evela emsebenzini, okanye inhlanganisela yabini) unokufumana inzuzo kwi-ACA yentlawulo ye-premium yerhafu. Abanye abachasene ne-ACA baye balila ukuba oku kungafanelekanga, kwaye ukuba kusetyenziswe "indawo" kwi-ACA.
Kodwa ukuba lowo mntu usebenzayo kumqeshi owenzela i-inshorensi yempilo, uya kufumana isinxephezelo sokungahlawulwanga ngerhafu ngendlela yemveliso yomqeshi kuma-premium, kwaye wayeya kuhlawula isabelo sakhe seprayimari kunye neerhafu zangaphambili. Unokuhlawula kuphela i-$ 100 okanye njalo kwiimali-mali nganye ngenyanga (okanye akukho nto nantoni na, kuxhomekeke kwindlela ovule ngayo umqeshi wakhe). Nangona kunjalo le nto ayifumanekanga njengento engabonakaliyo, kwaye ayibonakali njengabantu abazizityebi "basebenzisa inzuzo" kwenkqubo.
Xa kubonwa ngolu hlobo, iikhredithi zentlawulo ye-premium ze-ACA ziye zanceda nje ukubeka inshuwalense yonyango ngokubhekiselele kwi-inshurensi yempilo. Kwaye, baye benza ukuba abantu abangaphantsi kweminyaka engama-65 bathabathe ukungena emsebenzini, umsebenzi wesikhewu, okanye umhlalaphantsi ongaphumile, ngaphandle kokukhathazeka ukuba iipresimenti zempilo zomshuwalense ziya kudla yonke imali yazo ngaphambi kokuba fi kelele kwi-Medicare.
> Imithombo:
> Congress.gov. I-HR1, uMthetho wokuThuthwa kweRhafu kunye neMisebenzi. Yenziwe ngo-12/22/2017.
> Isebe Lempilo Neenkonzo Zoluntu. I-Ofisi yoNcedisi uNobhala weCwangciso noVavanyo. Izikhokelo zeNtlupheko. Izikhokelo zeNtlupheko ze-US ezisetyenziselwa ukuQinisekisa ukufaneleka kweziNkqubo ezithile zeSithili.
> Inkonzo yangaphandle yeNgeniso. I-Premium Tax Tax-I-Basic.