Umthetho ojongene noNonophelo ongenakunqwenela wawusayinwe ngumthetho ngo-2010, kwaye amaninzi amalungiselelo ayo asebenziwe ekuqaleni kwe-2016. Kodwa enye into yomthetho ebizwa ngokuba yi-"Cadillac tax" ayiyi kusebenza ukususela ngowe-2020. ekufuneka kuphunyezwe ngo-2018, kodwa ngoDisemba 2015, abenzi bomthetho babedlulisa i-bill ye-odnibus yentlawulo ebandakanyekayo eminyaka emibili kwi-tax Cadillac.
Ekugqibeleni ekugqityiwe, irhafu yeCadillac iya kubeka i-40 yepesenti yentlawulo kwi-part of the premiums insured insurance premiums above the level of dollar level (ingeniso evela kwerhafu iya kusetyenziswa ukugubungela amanye amalungiselelo e-ACA, njengencediso ye- premium ukutshintshiselana ). Umyinge wokuqala oya kuthi irhafu yerhafu iya kusebenza i-$ 10,200 kwiimali-mali zonyaka zonyaka ngamnye kwi-dollar ka-2018, kunye ne-27,500 zama-dollar kwiimali-mali zonyaka. Oku kufaka zombini i-premium ehlawulwa ngumqeshwa, kunye negalelo lomqeshi kwi-premium.
Ngoko ukuba i-premium yakho ye-inshorensi yonyango yonyaka ingaphezulu kwezo mali, umqeshi wakho kufuneka akhokhe irhafu ye-40 yerhafu kwinxalenye ye-premium ngaphezulu kwala manqanaba. Kucacile ukuba oku kukhuthaza abaqeshi ukuba bathathe amanyathelo okugcina iiprayimari ezipheleleyo ngaphantsi kwinqanaba elithe xa kuthengiswa irhafu yeCadillac.
Yiyiphi Inzuzo yeRhafu yeCadillac?
Ingcamango yerhafu yeCadillac yayikukwenza izicwangciso zezempilo eziphambili kakhulu ezikhangeleka kubaqeshi, kwaye ngoko ke zincinane. Inkxalabo kukuba xa abantu bezicwangciso zempilo ezinobuncwane obuninzi kunye nokwabelana "ngeentsimbi kunye neengcingo," banokuthi banokuphucula ukunakekelwa kwempilo kuba isicwangciso se-inshurensi-kunokuba isigulane-sihlawulele bonke okanye malunga zonke iindleko.
I-inshurensi yempilo exhaswe ngumqeshi sele ikhutshwe ngaphandle kwerhafu engenayo . Ngoko xa sibona imbuyekezo yembuyekezo yabasebenzi-kuquka umvuzo ngaphezu kwe-inshorensi yempilo kunye nezinye izibonelelo-kukho inzuzo kubaqeshi ukubonelela ngenxalenye enkulu yembuyekezo njengendlela ye-inshorensi yezempilo, kunokuba umvuzo. Ukudibanisa neendleko eziqhubekayo zokunakekelwa kwezempilo, okokukhuthaza kunye nokuxhalabisa malunga nokusetyenziswa kwangaphezulu kukhokelela ekufakweni kwentela yeCadillac kwi-ACA.
Kuthiwani NgeMiphumo Yexabiso?
Ekubeni irhafu yeCadillac ihleli ngoku ukuqala ngowe-2020 esikhundleni se-2018, umyinge we-premium ngasentla apho irhafu iya kusebenza khona kulindeleke ukuba ibe yi-$ 10,800 ngokukhawulelana, kunye ne-29,100 zama-dollar ukwenzela ukuhanjiswa kweentsapho, ngenxa yokunyuka kwexabiso lokunyuka kwexabiso elisebenza kwi-Cadillac tax .
Ngoko ngo-2020, ukuba isicwangciso sempilo sine-premium ye-$ 11,500 yomsebenzi omnye, isabelo se-premium ngaphezulu kweedola ezili-10,800 (ngamanye amagama, i-$ 700) yayiya kuxhomekeka kwerhafu ye-Cadillac. Kwaye ngelixa iirejista ziza kuvavanywa kumqeshi, i-economists ngokubanzi bayavuma ukuba iindleko ezinjalo zidluliselwa kwisicwangciso sezempilo esibhalisiweyo (ngokusebenzisa iiprayimari eziphezulu, umzekelo).
Ukususela ngo-2021, umyinge we-premium-ngasentla apho i-tax Cadillac iyasebenza-iya kunyuka ngamaphesenti afanayo ukukhula kweeNkcitho zabathengi (CPI) ngonyaka.
Ingxaki? Imali yokunakekelwa kwempilo iye yakhula ngokukhawuleza kuneCPI ixesha elide. Kwaye nangona kunokwenzeka ukuba utshintshe kwiminyaka ezayo, into ecacileyo ukuba ayiyi kuthetha ukuba irhafu yeCadillac ekugqibeleni iya kuba "ityala le-Chevy," njengoko iiprayimari eziqhelekileyo ziphakama ngokukhawuleza kunomda wokuqala we-premium apho ityala leCadillac likhawuleza khona.
Nangona kunqabile namhlanje ukuba ube nesicwangciso se-inshorensi yempilo nge-premium yonyaka ngaphezu kweedola ezili-10,800 kumntu oyedwa, okanye i-$ 29,100 yintsapho, akunakuyinqabileyo ukuba ibe nesicwangciso sezempilo esiwahlawulela loo mali (yonyuka yi-CPI) ngo-2030 okanye 2035, ukuba ii-premium zonyango zonyango ziyaqhubeka zikhula ngokukhawuleza kuneCPI.
Isiphumo siza kuba inani elinyukayo leeplani liza kuxhomekeka kwerhafu yerhafu ngonyaka, kuthatha ukukhula kwe-premium kuqhubeka nokuphuma kwexabiso eliphezulu. Kwaye ekugqibeleni, izicwangciso ze-mill-mill (ngokuchasene nezicwangciso eziphezulu kuphela) ziya kuthintela.
Indlela yeRhafu yeCadillac iya kuthintela njani iingenelo zabasebenzi
Ukuphunyezwa kwerhafu kusekuyiminyaka embalwa ngaphandle, kodwa ukuvunyelwana ngokubanzi ngabaqeshi baya kufuna ukuyihlawula, kwaye ke baya kusebenza ukuseka izicwangciso zabo zezempilo ukwenzela ukuba ii-premiums zonyaka zihlale ngaphantsi komda apho i-Cadillac irhafu iqala sicelo.
Indlela ecacileyo yokwenza oko kukunyusa ukwabelana ngeendleko kwiplani, ngokusebenzisa ama-deductible aphezulu, ama-copays, kunye ne-out-of-pocket maximums (ngaphakathi kweengxaki ezingaphezulu kwe-pocket ezifunekayo yi-ACA ). Enyanisweni, loo nto yayiza kujongana neengxaki ukuba irhafu yeCadillac yenzelwe ukuyicombulula, kuba yonke ingcamango yayikukushiya kwizicwangciso ezifihla konke okanye phantse zonke iindleko zonyango lwezempilo, ngomgudu wokuqinisekisa ukuba abantu abangekho ngokunyusa ukhathalelo lwempilo.
Kwaye nangona oko kuya kuba ngumphumo, ingxaki yukuthi xa kuphuma i-pocket yexabiso, abantu bathambekele ekunciphiseni ukunakekelwa kwezempilo okungadingekile kodwa kunye nokunyamekela kwezempilo . Ekuhambeni kwexesha elide, ezinokubangela izimo ezingapheliyo ezingalawulwa kakuhle, kunye neendleko zokunakekelwa kwempilo eziphakamileyo kunokuba zibe zikhona ukuba ukunyamekelwa akuzange kugwenywe ngenxa yeendleko.
Kukho nkxalabo yokuba abanye abaqeshi banakho isicwangciso sezempilo esingekho "Cadillac" ngokukodwa kwimvelo (oko kukuthi, iinzuzo zayo azikho kangcono kunomyinge), kodwa leyo ine-premium ephezulu kunamabhaso ngenxa yembali yamabango. okanye ishishini lomqeshi.
Ukuvinjelwa kwe-ACA ekusebenziseni imbali yamabango okanye iindidi zamashishini ukubeka iiprojeyam zisebenza kuphela kwiimarike zeqela kunye namancinci; kwimarike enkulu yeqela, imbali yamabango kunye neshishini linokudlala indima kuma-premium. Nangona irhafu yeCadillac ijoliswe ekunciphiseni inani lezicwangciso ezibonelela ngokugqithiseleyo, ukusetyenziswa kweetrikthi ezigweba isicwangciso esekelwe kwiiprayimenti zodwa zingenakonakala, ngokuba ezinye izicwangciso zeprayimamu eziphezulu zikwazi ukufumana iiprayimari eziphezulu ngenxa yezizathu ngaphandle koyilo lwenzuzo.
Kukho ukhathazeka ukuba kwilizwe elifana ne-Wyoming ne-Alaska, apho unyango lwempilo-kwaye ke, i-premium ye-inshorensi yezempilo-yindleko kunexabiso eliqhelekileyo, izicwangciso ezininzi ziya kuhlaselwa kwi-netta ye-Cadillac yentlawulo, nangona kunikezela ngeenzuzo eziqhelekileyo.
Ngaba iRhafu yeCadillac iya kuphinda ifakwe?
Ukususela ngoku kunye no-2020, kunokwenzeka ukuba irhafu yeCadillac ichithwe. Ierhafu ngokubanzi inenkxaso evela kubafundi bezoqoqosho (kubandakanywa neBhunga likaMongameli weeNgcebiso zezoQoqosho). Kodwa abaqashi, imibutho, abathengi, kunye nezopolitiko-kumacala omabini e-aisle-ngokubanzi bayichasene nayo.
Idemokhrasi ye-Democratic Party yonyaka we-2016 idinga ukuchithwa irhafu yeCadillac, kwaye i-GOP imele icele ukuba ichithwe irhafu-kunye nayo yonke okanye ininzi ye-ACA. Ngenxa yokuphikiswa kwerhafu, kukho inokwenzeka ukuba ayiyi kuphila ixesha elide eliza kuphunyezwa ngo-2020.
> Imithombo:
> Congress.gov. HR2029, uMthetho woLwabiwo-mali oluManyeneyo, 2016. Yenziwe ngo-12/18/2015.
> I-Ofisi yeBhajethi yeCongressal, i-Outlook Budget yexesha elide ka-2016, ngoJulayi 2016.
> Gable, Jon; Pickreign, Jeremy; McDevitt, Roland; UBriggs, uTomas. IziThutho zeMpilo zeCadillac Zingenako ukuvelisa iziphumo zeChevy. Imicimbi yezeMpilo, ngoJanuwari 2010, Vol Vol 29, No 1.
> Haviland, Amelia M .; Eisenberg, uMateyu D .; Mehrotra, Ateev; Huckfeldt, Peter J .; Sood, Neeraj. Ngaba Ngaba "Izicwangciso Zempilo Zabaxhasi" Bendlela Iindleko Zexesha Lexesha? I-Ofisi yeSizwe yoPhando loQoqosho, uMatshi 2015.