Ewe, Ukuba Usebenzela Umqeshi Omncinci; Mhlawumbi kwixesha elizayo kungenjalo
Umthetho wokuNakekelwa ongenakunqwenelekayo ufuna kuphela abaqeshi ukuba banikeze inzuzo ye-inshorensi yezempilo-kubasebenzi abasebenza ubuncinane kwiiyure ezingama-30 ngeveki-ukuba ngaba nabasebenzi abangama-50 okanye ngaphezulu . Kodwa iipesenti ezingama-96 zabaqeshi base-US banabasebenzi abangaphantsi kwama-50, kwaye ke akunyanzelwanga ukuba banikeze izibonelelo zempilo kubasebenzi babo.
Abaninzi babo benza, kunjalo. Ngokwenziwe uphando oluqhutywe yiTransamerica Centre for Studies Health ngo-Agasti 2015, iintlawulo ze-inshorensi zempilo zinikezelwa ngamaphesenti angama-61 amabhizinisi anabasebenzi abangaphantsi kwama-50 (nangona oko kungaba ngumlinganiselo ophezulu; Amaphesenti angama-29 amabhizinisi aphantsi kwabasebenzi abangaphantsi kwama-50 abanikezela nge-2015).
Izicwangciso ze-inshorensi zempilo ezincinci zifumaneka kuwo wonke urhulumente, kwaye abaqeshi abanabasebenzi abangaphantsi kwe-25 banako ukufumana ilungelo lokuthenga ngetyala leenkonzo zentengiso, kubhekisela kwingeniso yabo yomyinge oyi-average kunye neyona mali ehlawulwa ngayo umqeshi.
Kodwa kuthekani ngabantu abasebenza kuwo onke amashishini amancinci angenayo inzuzo ye-inshorensi yezempilo? Bamele basebenzise imarike yempilo yomshuwalense, apho bangazithengela ukukhutshwa kwe- inshurensi yezempilo , okanye ngaphandle kokutshintshiselana (inkxaso ayifumanekanga ngaphandle kokutshintshiselana).
Umboleki weNgxowa-mali eVunyelwe ngo-2017
Izicwangciso ezithengiweyo kwiimarike (kunye okanye ekutshintshiselwano), obhalisiweyo-ngokuchasene nomqeshi-unembopheleleko yokuhlawula iiprayimari, nangona inkxaso-mali (eyimali-mboleko yerhafu ) ifumaneka kutshintshi kubantu abafanelekileyo kwingeniso yabo.
Kodwa kwimimiselo yokuqala ye-ACA yokuphunyezwa kwemigaqo yabaqeshi abavaliweyo ukuba babuyiselwe abasebenzi kwi-inshurensi yempilo nganye yemarike.
Le nto yatshintsha ngo-2017, phantsi kwe-21st Century Cures Act (iinkcukacha ezingezantsi), kodwa makhe sijonge indlela imithetho iguqulelwe ngayo ngaphambi ko-2017:
I-ACA ngokwayo ishiye le ngxaki ivulekele ukuchazwa, kodwa i-IRS yabuyela ngokukhawuleza kulo mbandela, kwaye isohlwayo sokungahambisani nxamnye naso: irhafu yentlawulo ye-$ 100 ngosuku, ngomsebenzi osebenzayo.
Oku kungabalingana no-36,500 wamawaka ngonyaka kwiintlawulo zomsebenzi ngamnye lowo umqeshi abuyisela imali i-premium yomshuwalense wezempilo. Imimiselo yacetywa ukuba isebenze ngoJanuwari 2014, kodwa inkqubo yenkxaso yenguqu yafakwa kwindawo eyayilibazisa isohlwayo kwaze kwaba nguJulayi 2015.
Okubalulekileyo, indlela i-IRS eguqulela ngayo umthetho we-ACA, ukubuyiselwa kwabasebenzi kwiipalamama zethenge ngabanye zazibhekwa "yiplani yokuhlawula umqeshi." Izicwangciso ezinjalo zixhomekeke kwiinguqulelo zentengiso yee-inshorensi yezempilo, kuquka ukuvinjelwa kubomi bemivuzo kunye nemimiselo yonyaka , kunye nemfuneko yokuba unonophelo lokhuselo luya kubanjelwa ngaphandle kweendleko kubhaliso .
Kwaye, i-IRS icacisa ngokucacileyo ukuba izicwangciso zokuhlawula umqeshi azikwazi ukudibaniswa kunye nezicwangciso ze-inshurensi zempilo nganye zemarike ukwenzela ukuzalisekisa iimfuno zokulungisa iimarike. Oku kwakunjalo nangona ukuba ii-ACA zokuguqulwa kweemarike zisebenza kwizicwangciso zorhwebo, kwaye zonke izicwangciso zemarike ezithengiswayo zithengiswa ngaphandle kwempilo okanye imivuzo yonyaka, kunye neenzuzo ezifanayo zokukhusela njengezicwangciso zezempilo ezincinci.
Akukho nto ikhusela abaqeshi ekunikezeni abasebenzi babo ibhonasi ephakanyisiweyo okanye ehlawuliswayo endaweni yokubonelela ngeeninshurensi zempilo.
Kodwa iinzuzo zeentlawulo zee-inshorensi zezempilo kunye neenkqubo zokubuyiselwa kwempilo azifumanekanga ukuba zisetyenziselwe ukubuyisela abasebenzi kwiipalamama zomshuwalense.
Ukuzama kokuqala ukuvumela ukubuyiswa akuzange kudlule: HR 5447, uMthetho woNcedo lwezeNkcenkcesho lwezeMpilo eNcinane
U-HR 5447, umthetho onobuncwane obizwa ngokuba yi-Small Business Health Care Relief Act ka-2016, wawuya kuba ngumthetho kubaqeshi ukubuyisela i-$ 5,130 ngonyaka kwiimali-mboleko zempilo zentengiso ngamnye kumntu, kuze kube ku-$ 10,260 ukuba umgaqo-nkqubo uphawula umqeshwa intsapho (ezi mali ziza kubhaliswa kwixabiso lemali).
I-HR 5447 yadlulisa iNdlu yabaBameli ngoJuni 2016, kwaye yayinenkxaso ye-US Chamber of Commerce kunye nemibutho emininzi yokukhuthaza ibhizinisi. Kodwa lugxininiswe kwi-Senate.
I-Ofisi ye-Budget ye-Congressional izimisele ukuba i-HR 5447 "ayiyi kuba nempembelelo kwiingciphephelo zohlahlo lwabiwo-mali kwi-2016-2026." Imali ebuyiswe kubasebenzi kwiimali-mali ze-inshorensi zempilo iya kuba yintlawulo engekahlawulwa, kubangela ukuba imali yengeniso yerhafu engaphantsi. Kodwa urhulumente wesigqeba akayi kuba nako ukubonelela ngeenkxaso ze-premium ukutshintshisa abhalisi abaqeshi bakhetha ukubuyisela iiprayimari zabo.
Umthetho wokuPiliswa kweNkulungwane yama-21 uhamba ngo-2016, uvumela iRewindement ukuqala ngo-2017
NgoDisemba ngo-2016, u-HR34, uMthetho wama-51 weZonyango wama-Century, wasayinwa ngumthetho nguMongameli Obama. Umthetho uphelele kakhulu, kodwa enye yeenguqu ezenziweyo kukuvumela amashishini angaphantsi kwama-50 abasebenzi ukuba bamisele iMalungiselelo yokuThengiswa kweMpilo yabaNcinci abaQinisekisiweyo (i-QSEHRA).
Ukuba ishishini elincinci alinikezeli iqela le-inshorensi yezempilo, i-QSEHRA iya kuvumela ukuba ibhiziniselwano libuyisele abasebenzi, i-tax-free, okanye ezinye iindleko zokuthenga i-inshurensi yempilo nganye yemarike, okanye ukutshintshiselana (ukuba isicwangciso kuthengwa ngokutshintshiselana, umqeshwa usenokukwazi ukufumana inkxaso ye-premium ngokutshintshiselana, kodwa ixabiso le-QSEHRA liqwalaselwa xa kuqikelelwa ukuthengwa kwemali, kwaye inani lemali-mali ye-ACA iyancishiswa ngumlinganiselo lowo umqeshwa ufumana kumqeshi ngeQSEHRA).
Ukusebenzisa i-QSEHRA, isixa esiphezulu somqeshi singabuyisela i-$ 4,950 ngemali yomsebenzi omnye, kunye ne-$ 10,000 ekukhuselweni kwentsapho (leyo ibe ngowama-2017; ixabiso lihlawulwe kwixesha elizayo). Ukubuyiselwa kwemali ephezulu kubuye kwanyiswe ngenyanga, ngoko umqeshi oqeshwe phakathi konyaka uza kulungelelaniswa nemali ekhutshweyo yonyaka wokubuyisela imali.
Ngubani osizwa yiMigaqo emiselweyo yokubuyisela?
Kubaqeshwa abasebenzela amashishini amancinci angenayo i-inshurensi yezempilo, ukufumaneka kwezibonelelo zenkxaso-mali kwi-premium kuxhomekeke kwingeniso, kunye nobukhulu bentsapho kunye neendleko zokubhengezwa kummandla wesicelo. Ngokubanzi, inkxaso-mali iyafumaneka kwiimeko ezininzi ukuba umvuzo wendlu yomfaki sicelo awudluli kuma-400 ekhulwini kwintlupheko.
Ukuba okwangoku ufumana inkxaso-mali ye-premium (inkokhelo yentlawulo ye-premium) ekutshintshiseni kwaye umqeshi uqala ukubuyisela iiprayimali phantsi kwe-QSEHRA, inkxaso-mali yokutshintshisiswa iya kuncitshiswa ngumlinganiselo wokubuyisela umqeshi.
Kodwa ukuba awufanelanga ukuxhaswa nge-premium kwintengiso (okanye ukuba ukhona, kodwa ukhethe ukuthenga ingxelo yakho ngaphandle kokutshintshiselana, apho inkxaso ingekho), i-QSEHRA inokunceda ngokuthe ngqo ukuba umqeshi wakho unquma ukuba benzise ithuba lokukhetha.
Abaqeshi abancinci abafunyanwanga ukuhlawula iiprimiyam, njengokuba kungabikho mfuneko yokubonelela nge-inshurensi yezempilo phantsi kwe-ACA. Kodwa i-QSEHRA ivumela ukuba bakwazi ukubuyisela ukulungelelanisa ukubuyisela abasebenzi kwiimali-mboleko ze-inshorensi yezempilo njengenxalenye yeenzuzo zabasebenzi.
Iipresimenti ezibuyiselwayo zithengiswa kwiimarike zodwa, eziye zineeprayimari ezininzi ezinokuzithengisa ngaphezu kweemakethi yeqela elincinane kule minyaka embalwa edluleyo. Abanye abaxhasi bee-QSEHRA baqaphele ukuba banokukhuthaza abantu abaninzi ukuba babhalise kwiinkcukacha ngabanye / nakwiintsapho, ukuzisa ukuzinza okongezelelweyo kwimarike nganye.
Ngaba Abaqeshi Abakhulu Bangayifumana Iimali zeeNkcazo zeMarike ngabanye?
Imimiselo yangoku ayivumeli abaqeshi abakhulu ukuba babuyisele imali yee-premium zabasebenzi. Abaqeshi abanama-50 okanye abangaphezu kwexesha elipheleleyo abasebenzi kufuneka banikeze i-inshurensi yezempilo yeqela (ithengwe kwinkampani yomshuwalense okanye i-insured insured) ukwenzela ukuphepha umyalelo wegunya le-ACA yomqeshi, kwaye bajongana nezigwebo ezinje, njengoko kuchazwe ngasentla, ukuba hlawulela abasebenzi kwiipalamama zorhwebo nganye.
Kodwa ngo-Oktobha 2017, uMongameli uTrump wasayina umyalelo olawulayo ongagqibela ukuphumela kwimigaqo ekhululekile kule ngxaki. Umyalelo wesigqeba awuguquki nayiphi na imithetho, njengoko iqondisa iindibano ezahlukahlukeneyo zentlangano ukuba "ziqwalasele iziphakamiso zomthetho" eza kufezekisa iinjongo ezahlukeneyo.
Enye yale njongo kukunyusa ukusetyenziswa kwamalungiselelo okubuyiselwa kwempilo (i-HRAs) kwaye unikeze ukuguquguquka kokusetyenziswa kwabo, kuquka "ukuvumela ii-HRAs ukuba zisetyenziswe ngokubambisana ne-coupon cover".
Ngoko iSebe lezeMisebenzi, uNondyebo, kunye neMpilo kunye neenkonzo zeNtlalo zingayilula imimiselo emitsha ukuvumela ukusebenzisa ii-HRA ngabaqeshi amakhulu (mhlawumbi bonke abaqeshi, okanye mhlawumbi ukuya kwinani elithile labasebenzi). Imimiselo ecetywayo iya kufuneka iphumelele inkqubo yokwenza umgaqo-nkqubo equka isaziso sikawonkewonke kunye nexesha lokuphawula. Kodwa xa zigqityiwe, ziyakushintsha imigaqo malunga nokusetyenziswa kwee-HRAs ukubuyisela iiprayimari zorhwebo nganye.
Konke oku kusenyakatho, njengoko singayazi oko kuya kuba semimiselo eya kuphakanyiswa. Kubaluleke kakhulu umbuzo wokuba ngabaqeshi baya kuzalisekisa umyalelo wegunya lomqeshi ngokubuyiselwa konke okanye inxalenye yempesimenti yomthengi ngamnye, kwaye nokuba ingaba i-coverage ehlawulwayo iya kufuneka ihlangabezane neemfuno ezincinci ngokwemigangatho yeenzuzo ezibonelelayo.
Kodwa ngelixa iinkcukacha zingabonakali kakuhle, kubonakala ukuba imithetho malunga nabaqeshi ukubuyisela iipresimenti zonyango yempilo nganye yemakethe zentengiso ziyakudla ngokukhululeka phantsi kolawulo lweTrump.
Imithombo:
Congress.gov, i-HR34 - uMthetho wama-21 wePilisi weMinyaka. Yenziwe ngo-12/13/2016
I-Ofisi yeBhajethi ye-Congressional, HR5447 UMthetho woNcedo lwezeMpilo woLutsha lwe-2016.
INkonzo yeNgeniso yangaphakathi, iMalungiselelo yoLondolozo lwezeMpilo yabaSebenzi.
INkonzo yeNgeniso yangaphakathi, iNkxaso yeMpilo yeNtlawulo yezeNtengiso kunye ne-SHOP Marketplace.
I-Transamerica Centre yeZifundo zezeMpilo, uphando: IiNkampani zihamba ngeMpilo yoMgaqo-Mandate , ngoDisemba 2015.
INdlu yeNdlu, i-Ofisi yoNobhala woLondolozo. UMyalelo oLawulayo woMongameli oKhuthaza ukuKhethwa kweNtlalo kunye noKhuphiswano kwi-United States. Oktobha 12, 2017.