Kukho iSigwebo ngo-2017, Nangona abaMgwebi be-GOP bafuna ukuPhinda
Enye yemibandela enokubambisana noMthetho woNonophelo onokuThatshulwa ngumGaqo ojongene noxanduva, okwasoloko kuthiwa yi-penalty. I-ACA idinga abantu abaninzi ukuba bagcine i-inshorensi yempilo okanye bahlawule isigwebo.
Oku kubamba abanye abantu bengazi kakuhle xa befake i-tax tax yabo ngo-2014 - bafumanisa indlela enzima xa befumanisa ukuba babenetyala lokungabi naso-inshurensi yempilo ngo-2014.
Ekubeni ukubhaliswa okuvulekileyo kwa-2015 sele kuphelile phambi kokuba amaMerika amaninzi afake iirejista zabo zerhafu ngo-2014, urhulumente unike ithuba lokubhalisa elikhethekileyo ngexesha elilodwa entwasahlobo ka-2015, okuvumela abanye ithuba lokuba babhalise ngo-2015 xa befumene isohlwayo xa befaka irhafu yabo.
Kule ngongoma, phakathi kwekota yesithathu epheleleyo yokuphunyezwa kwe-ACA kunye naphakathi kwemizamo ye-GOP yokuphinda nokubuyisela i-ACA, ukuqonda malunga nokubonelela uxanduva lokwabelwana luphezulu kunokuba lube luphambi ko-2014. Kodwa kukho ukudideka okukhulu malunga nokuba sinjani isihlomelo kunye nokuba kuza kuba phi kwixesha elizayo, becinga ukuba ayichithwanga.
Umyinge wesigwebo ngo-2014 wawuyi-$ 200
I-IRS ibike ukuba umfaki werhafu oqhelekileyo obolekwa uxanduva lolwabiwo-mali olubiwe ngo-2014 wayenomlinganiselo wesigwebo malunga nama-$ 200. Isekelwe kwinto yokuba isohlwayo ngo-2014 yayingaphezulu kwama-dollar angama-95 kumntu ongeyena mntu uncedisiweyo (isiqingatha eso semali kumntwana), OKANYE i-1% yengeniso yekhaya ngaphezu kwesibalo sokufakela irhafu.
Umlinganiselo wesigwebo ngo-2015 wawuyi $ 470
Isohlwayo sasiphakamileyo kakhulu kubantu abahlala bengagqitywanga ngo-2015. I- IRS ibixelele ukuba umfaki werhafu oqhelekileyo obolekwa uxanduva lokwabelwana ngokulandelelweyo ngo-2015 wayenomlinganiselo wesigwebo esiqhelekileyo esingama-470-ngaphezu kwe-double penalty average from the year before.
Kodwa iindaba ezilungileyo kukuba abantu abambalwa babephantsi kwesihlwayo ngo-2015. I-IRS yabika ukuba abafaki bezigidi zerhafu abayizigidi ezi-6.5 bahlawuliswe ihlawulo ekubuyiselweni kwabo ngo-2015, ngokumalunga nama-7.5 yezigidi abaye bahlawulwa ijehliso kwiimbuyekezo zabo ze-2014.
Isohlwayo lilindeleke ukuba libe ngu-1 000 kwi-2016
Isohlwayo senyuka ngokuphindaphindiweyo kubantu abangenayo i-inshorensi yempilo ngo-2016. Kubantu abangaqinisekanga ngo-2017, isohlwayo sihlala kumgangatho ofanayo kwaba ngowama-2016.
Ixesha le-2016 yokufakela irhafu liphelile, kodwa asiyi kuqonda ngokuthe ngqo ukuba sinani isigwebo esiphezulu sonyaka we-2016 kwaze kwaba yilapho i-IRS igqiba ukuhlanganisa idatha. Kodwa sinokuqikelela, kwaye uqikelelo lubonisa ukuba abantu abahlala bengagcinwanga ngo-2016 babhekane nezohlwayo ezinkulu xa befaka ingxelo yabo yentlawulo ye-2016 kunokuba babejongene neminyaka engaphambili.
Uhlalutyo lukaDisemba luka-2015 lukaKaiser Family Foundation luqikelele ukuba isohlwayo esiphezulu sonyaka we-2016 luya kuba yi-$ 969 yendlu nganye yentela kubantu abangazange baxhaswe ngo-2016 kwaye babe "kwindawo yokuthengisa" (kwale qela, uhlalutyo lukhuphe ngaphandle kwabantu abafanelekile kwiMedicaid, Umngcipheko wokuvalela ngenxa yokuba amazwe abo awanakwandisa iMedicaid, okanye afanelekile ukufumana ingxelo ngabaqeshi babo).
Ngoko ijelo eliqhelekileyo lonyaka we-2016 lacetywa ukuba liphantse liwaka leedola, kwaye ayithengi nantoni na ...
Abantu abahlawulwayo isohlwayo basenakuqinisekiswa kwaye abanakho ukhuseleko xa bephela befuna unyango olukhulu lwezempilo kunyaka.
Isixa sohlwayo senu siyahluka ngokuxhomekeke kwisayizi yasemakhaya kunye nengeniso (ungabala isihlomelo kwimeko ethile), kodwa izibalo ezisetyenziselwa ukucacisa isohlwayo ngo-2015 kunye no-2016 zenze izigwebo eziphezulu kakhulu kunoko-2014:
- Ngo-2015, isohlwayo yayingaphezulu kwe-$ 325 ngomntu omdala ongaxhaswanga kunye ne-$ 162.50 ngomntwana ongeyuncediswanga (ukuya kwi-$ 975 nganye kwikhaya ngalinye), OKANYE i-2% yengeniso yekhaya ngaphezu kwesibalo sokungenisa irhafu.
- Ngo-2016, isohlwayo yayingaphezulu kwe-$ 695 kumntu omdala ongaxhaswanga kunye ne-347.50 yemali ngomntwana ongeyuncediswanga (ukuya kutsho kuma-2,085 kwindlu nganye), OKANYE 2.5% yengeniso yekhaya ngaphezu kwesibalo sokufakela irhafu.
- Ukususela ngowama-2017, isohlwayo sexabiso lentlawulo ihlaziywa ukunyuka kwamaxabiso, kodwa i-2.5% yembuyekezo yengeniso yomzi ihlala kuloo nqanaba iya phambili. Ngo-2017 kuphela, nangona kunjalo, i-IRS iqinisekisile ukuba bekungekho ukulungiswa kwexabiso lentengo kwisigwebo sexabiso lentlawulo. Ngoko isohlwayo sokungaqinisekwanga ngo-2017 kufana nokufana no-2016.
- Ukucinga ukuba isigwebo somntu ngamnye se-ACA asichithwanga, abantu kufuneka balindele ukulungiswa kwexabiso lentengo kwisigwebo se-flat rate esingu-2018 (okt, kuya kuba ngaphezulu kwama-695 kumntu ngamnye), kodwa i-2.5% yembuyekezo yengeniso iya kuhlala isendaweni.
Isohlwayo echithwe ekubuyiselweni imali
Ukuba ufumana ukubuyiselwa kwemali kwi-IRS ngexesha lokuhlawula irhafu, isihlomelo sokwabelana ngokusemthethweni siya kususwa kwimbuyekezo yakho. I-80% yabathathi berhafu bafumana ukubuyiselwa kwemali, ekhoyo malunga ne-$ 2,800 kwiminyaka yakutshanje - ngaphezu kokunqongophala ukuhlawula isigwebo esiphezulu esinokuhlawulwa ngabafaki berhafu abangaxhaswanga.
Fumana indawo
Ukuba awuqinisekanga kwaye ucinga ukuba uhlala ngaloo ndlela, qiniseka ukuba uyazi ukuba sakho isohlwayo xa uza kufaka irhafu yakho kunyaka olandelayo. Ingakumbi ukuba unelungelo lokufumana inkxaso-mali ye-premium ngokutshintshiselana, unokufumana ukuba isixa sohlwayo oya kufuneka uhlawule kuso siyakwanela ukugubungula iinyanga ezili-premium ze-inshorensi zempilo-mali-kunokuba uhlawule isohlwayo kwaye ungafumani nto nonke ngokubuyisela.
Bhalisa ngokutshintshiselana ukuba unelungelo lokufumana inkxaso-mali, okanye ukuba ucinga ukuba kukho inzuzo yakho inokukwenza ukuba uncedise inkxaso kwixesha elizayo kunyaka. Kodwa ukuba unesiqiniseko sokuthi awuyi kufumana inkxaso-mali ye-premium, unokuqwalasela kwakhona izicwangciso zentengiso-mali (i-subsidy iyafumaneka kwintsebenziswano ukuba ingeniso yakho ingadluli kuma-400% kwinqanaba lehlwempu, $ 98,400 kwiintsapho ezine).
Ngaba i-ACA isohlwayo iyaqhubeka ikhona?
Ngeli xesha, kusekho isohlwayo sokungaqinisekiswa ngo-2017 . Kodwa uMthetho wezeMpilo waseMelika (AHCA), owawudlulela iNdlu ngo-Meyi 2017 kwaye uphantsi kweSenate , uya kuphelisa isohlwayo ngokukhawuleza ekuqaleni kwe-2016.
Ukuba loo mithetho yayiza kwenziwa, i-IRS iya kufuneka ibuyiselwe izigwebo eziqokelelwe ngexesha lokufakela irhafu lonyaka we-2017, ekubeni abo bavavanywa kubantu abangenayo ingxelo ngo-2016. Ngokutsho kwe-Ofisi ye-Budget ye-Congressional, ukuchithwa kwakhona yesigwebo somntu ngamnye siya kubangelwa abantu abayizigidi ezi-1 beyeke ukukhawulwa kwemarike nganye ngo-2017, kwaye inani elingu-8 yezigidi zabantu ababhalisa kwiinkcukacha zorhwebo nganye ngo-2018.
Ngenxa yoko, i-CBO iqikelela ukuba iimali-mali ze-inshorensi yempilo nganye kwiimarike ziya kunyuka ngamaphesenti angama-20 ngo-2018 (ngaphezu kwelo naluphi na ukwanda oluya kubonwa ngaphantsi komthetho okhoyo), kuba abantu abaya kudla ukukhawuleza baya kuba ababhalisekileyo abaneempilo ezifunekayo ukwenzela ukuzinzisa i-pool yolungozi.
> Imithombo:
> I-Ofisi yeBhanjethi yeCongress , i- HR1628, uMthetho wezeMpilo waseMelika ka-2017, uhlalutyo lweendleko . NgoMeyi 24, 2017.
> INkonzo yeNgeniso yangaphakathi, iNkqubo yeNgeniso 2016-55 .
> I-Kaiser Family Foundation, Iindleko zeNkundla yoMyalelo woMntu woMntu ongenakususwa. Disemba 9, 2015.