Oko Kufuneka Ukwazi NgoKhutshwa kweRhafu yezoNyango
Ukulungiselela irhafu yakho yentlawulo? Mhlawumbi ufuna iirhafu ezininzi ezinokutsalwa. Unonophelo lwonyango luyabiza, ngoko ke ukuba unako ukubhala iindleko zempilo yakho , unako ukuhlawula umrhumo wakho werhafu.
Nangona kunjalo, imithetho ye-IRS yinkimbinkimbi kwaye icaciswe. Kufuneka uqonde ukuba iindleko zonyango zichithwe yintlawulo, ziphi iintlobo zeendleko ezichithwayo, nokuba ingaba unayo iindleko zonyango ezithintekayo zerhafu ukwenzela ukuba ulungele ixesha lakho.
Iindlela ezimbini zokubhalwa kweendleko zonyango
Izindlela ezimbini zokubhalwa kweendleko zonyango zi:
- Bayibangele ukuba bathatywe irhafu xa uchitha imali yakho.
Yiyo ndlela ininzi yabantu ebhala ngayo iindleko zabo. Kumele usebenzise iShedyuli yeFom 1040. Ukuba uthatha ukutsalwa okuqhelekileyo kunokuba uhlawule ukutsalwa kwakho, awukwazi ukubhala iindleko zakho zonyango ngaphandle kokuba uvumelekile ukusebenzisa indlela yesibini. - Bayibangele njengoluhlengahlengiso lwenzuzo yakho.
Oku kunciphisa umvuzo wakho owenziwe utshintsho kubonakala ngathi wenze imali encinci. Iindleko zonyango ezinokubhaliweyo ngale ndlela aziqhelekanga kodwa zingabandakanya izindleko zemali-mali ye-inshorensi yezempilo yabasebenzi abaqeshwe.
Kule nqaku, siza kujonga indlela yokuqala. Ikuvumela ukuba ubhale uluhlu olubanzi lweendleko zonyango ukuba iindleko zakho zonyango zonke ziphezulu ngokwaneleyo, kwaye akukho mfuneko yokuba uqeshwe.
Ngaba Unayo Iindleko Zonyango Ezaneleyo Ukuze Uzuze Ngexesha Lakho?
Ukuze wenze isicelo sokubanjiswa kwentlawulo yexabiso lonyango kwiShedyuli A , iindleko zakho kufuneka zongeze ufike kwi-10 ekhulwini yengeniso yakho epheleleyo.
Ufumana kuphela ukukrazula iindleko ezidlulileyo kule pesenti ye-10. Ngokomzekelo, ukuba ingeniso yakho engenayo i-$ 100,000 kwaye unayo i-$ 12,000 kwiindleko zonyango ezifanelekileyo, uya kufumana i-$ 2,000. I-$ 10,000 yokuqala yeendleko zakho zonyango zisetyenziselwa ukuhlangabezana neepesenti ezili-10. AmaRandi angama-2,000 aseleyo anokuthiwa njengencitshulwa yerhafu.
Isibambiso sokubanjiswa esetyenzisiweyo sibe yi-7.5 ekhulwini yemali engenayo, kodwa yanda ukuya kuma-10 ekhulwini ngo-2013. Nangona kunjalo, ukuba wena okanye wakho umlingane uneminyaka engama-65 okanye ngaphezulu, i-IRS igcine umgca kwi-7.5% yengeniso yakho epheleleyo ehleliweyo ngo-2016. Ukuqala ngo-2017, i-threshold ye-10% ye-deduction threshold isebenza kuwo wonke umntu.
UMthetho wezeMpilo waseMelika (i-AHCA), apho iRiphabhlikhi yeeRiphablikhi ezadluliselwa ngoMeyi 2017 ngomgudu wokuphelisa i-ACA, yayiyomnciphisa umda wokunciphisa u-5.8 ekhulwini wemivuzo engeniso, ebonakalayo ngo-2017. I-Senate, nangona kunjalo, oko kuthetha ukuba umda wokunciphisa uhlala kwi-10 ekhulwini.
Ziziphi Iindleko Zonyango Zibala?
Iingcamango zakho malunga nento eyenza iindleko zonyango zingafani neembono ze-IRS. Ngokutsho kwe-IRS, "Iindleko zonyango kufuneka zenzelwe ukunciphisa okanye ukukhusela ukukhubazeka ngokomzimba okanye kwengqondo okanye ukugula. Ababandakanyi iindleko ezizuzisayo kwimpilo jikelele, njengamavithamini okanye iholide. "Ukuze ufunde umthetho ngokwakho, khangela i-Internal Revenue Code section 213.
Awukwazi ukufaka iindleko zenkampani yakho yinshorensi yempilo ehlawulwayo, okanye iindleko ezibuyiselwe kwi-akhawunti yakho yokuchithwa kwe-akhawunti okanye i- akhawunti yokulondoloza impilo .
Ngamanye amagama, akukho "ukudibanisa kabini."
Ukuba ufumene unyango lwezonyango ngexesha lonyaka owanikwa ngawo, kodwa uhlawulelwa unyameko kunyaka ohlukile, ubiza iindleko kunyaka owuhlawulele yona, kungekhona kunyaka owamkelayo inkonzo. Ngokomzekelo, ukuba ufumene unyango ekwindla ka-2015 kodwa awuzange uhlawule loo unyango de ngoJanuwari ka-2016, unokubanga iindleko zonyango kwiirhafu zakho zango-2016, zifakwe ngo-Ephreli 18, 2017.
Kwezinye iimeko, unokubanga iindleko ze- inshurensi yempilo njengendleko yonyango. Funda kabanzi " Ngaba Imali Yentlawulo Yomshuwalense Wezempilo Inokutsha? "Ukuba usebenza ngokuzimeleyo, unakho ukhetho lokunciphisa iipriyamu ozihlawulayo (kungabandakanyi nayiphi na inkxaso enokufumana ngayo ngokutshintshiselana, okanye iipresom enoba ubani uhlawula egameni lakho).
Ngaloo mzekelo, akudingeki ukuba uchithe iinqununu zakho. Kodwa kubantu abangabasebenzi, ii-premiums zomshuwalense zonyango zingabanjiswa kunye nezinye iindleko zonyango ukuze zifike kumda wokunciphisa (iipesenti ezili-10 zemali engenayo).
Uluhlu olufutshane lweendleko zonyango ezichithwayo zerhafu ziquka:
- I-inshorensi yakho yemali echithwayo , i- copayments kunye ne- coinsurance
- Iindleko zakho zokuphuma ngaphandle kwezilwanyana zamachiza (oku akubandakanyi i- marijuana yonyango okanye izidakamizwa zonyango ezithunyelwa kwilizwe ngokungekho mthethweni.)
- I-psychotherapy engahlawulwanga okanye iindleko ze-psychoanalysis
- Iibhanti kunye ne-Band-Aids
- I-lens zoqhagamshelwano neziglasi ezisetyenziselwa ukulungisa umbono
- Isisombululo se-lens
- Izixhobo zokuva kunye neebhetri zokunceda
- Impompo yesondlo
- Iindleko zokunyanzelisa i-vitro
- Iikiti zovavanyo lokukhulelwa
- Iindleko zenkathalo zangexesha elide (imithetho efanelekileyo ifanelekileyo) kunye nezinye iindleko ze- inshorensi zonyango .
Uluhlu lwe-IRS lweendleko zonyango ezifanelekileyo, khangela i-IRS Publication 502.
Iindleko Zonyango Zingakanani?
Ngokuqhelekileyo, unokufaka isicelo sokuncitshiswa kweerhafu kwiindleko zonyango zakho, iindleko zomlingane zakho kunye neendleko zakho.
Ukuzikhusela
NdingumRN kunye neengcali ze-inshorensi yezempilo, kungekhona ugqwetha weerhafu, i-CPA, okanye uchwepheshe weerhafu. Ngaloo ndlela, ulwazi oluchazwe kweli nqaku akufanele lucinge ngqalelo irhafu, imali okanye isiluleko sezomthetho. Kunoko, sebenzisa ukukunceda ukucacisa oko kufuneka ukufuna iingcebiso zerhafu malunga neengcali. Funa isiluleko sengcali yerhafu okanye ufumane ulwazi oluthe ngqo kwi-IRS ngaphambi kokuba uthathe isenzo semali. - Elizabeth Davis, RN
Imithombo:
Congress.gov. HR1628. UMthetho wezeMpilo waseMelika ka-2017 (owenziwe ngoMatshi 20, 2017, odlulileyo kwiNdlu kaMeyi 4, 2017)
I-Cornell Univerity Law School, iCandelo loLwazi lwezomthetho, i-US Code 213, iMicrosoft, yamazinyo, njl.
INkonzo yeNgeniso yangaphakathi. Ukupapashwa kwama-502, ezeMpilo kunye namaDental .