Ukufaneleka kwe-premium yenkxaso-mali ye-ACA kusekelwe kwingeniso, kungekhona ixabiso
Iikhredithi zerhafu ye-premium (aka akaxhaswa yi-premium) yinxalenye ebalulekileyo "yexabiso elithengiweyo" inxalenye ye-Care Affordable Act (ACA). Ngaphandle kwabo, ukugqithiswa kwemarike nganye kuya kuba yinto engenakulungeleka kubantu abaninzi.
Ukubeka oku ngolu hlobo, gcina ukhumbule ukuba i-premium ye-premium yenkxaso-mali yangaphambili yezicwangciso ezithengiweyo kwiinyanga ezimbini zokuqala zonyaka wokubhaliselwa ngo-2016 nge-Healthcare.gov yi-$ 408 ngomntu ngamnye ngenyanga.
Kodwa umyinge we-premium-subsidy premium ungama $ 113 ngomntu ngamnye ngenyanga. Kwaye i- 85 ekhulwini labantu ababhalise kwizicwangciso ze-Healthcare.gov bafumana inkxaso-mali, njengama-78 ekhulwini abantu ababhalise kwiintlobo zengxowa-mgaqo-nkqubo kwi-state ekuthiwa basebenzisanga i-Healthcare.gov.
Ngokucacileyo, inkxaso-mali iyayifumaneka ngakumbi kwi-inshorensi yezempilo kunokuba ingaba yinto ekhoyo. Kodwa kukho imbono yobuxoki yokuba inkxaso ye-Obamacare premium yindlela yentlalo-ntlalontle, kunye / okanye ukuba bazuza kuphela amakhaya afumana imali engenako.
Kutheni ukuxhaswa kweeNkulumbuso kungekho nzuzo
Inkxaso-mboleko yerhafu yengxowa-nangona ityala yerhafu onokuyithatha kwangaphambili, ihlawulwe ngqo kwinkampani yakho yomshuwalense yempilo, kunokuba ulinde ukufunwa kwirejista yakho yerhafu njengenye iikhredithi zerhafu. Kwaye zisebenza ngokufanayo kunye nezinye izikwere zerhafu ezinqanda ukufaneleka ngokusekelwe kwingeniso - umzekelo, isikweletu somgcini kunye nentlawulo yengxowa yomntwana.
Ezinye iimeko ezixhamliweyo zerhafu - njengemali yokunciphisa igalelo ye-IRA xa uhlanganiswa isicwangciso somhlala-phantsi emsebenzini, igalelo leRoth IRA, kunye nokuncitshiswa kwemali-mboleko yemfundi - iyafumaneka kuphela ukuba ingeniso yakho ingaphantsi komda othile.
Iinkxaso-mali ze-Premium ayinayo i-aseset yakho , kodwa akukho nanye kule mizekelo ekhankanywe ngasentla yeengxowa-zerhafu ezingenakuncedo kunye negalelo elincinci.
Oko kuthetha ukuba ukufaneleka kwakho kwerhafu yerhafu akuxhomekeke kwindlela osusele ngayo kwiimpahla; kuxhomekeke kuphela kwindlela ozuza ngayo ngexesha lonyaka.
Oku kuhambelani neenkqubo ezifana ne-SNAP (Inkqubo yokuNcedisa iNondlo), eneemingcele zokufaneleka ngokusekelwe kwimali engenayo kunye nezinto eziphathekayo.
Inkxaso-mali ye-Premium phantsi kwe-ACA ifumaneka kumakhaya anenzuzo engenayo ukuya kuma-400 ekhulwini lobuhlwempu. Kwintsapho yezine, i-97,000 yee-dollar ngo-2016 (ngo-2016, umgaqo-nkqubo wezobuhlwempu ngo-2015). Ngokuqinisekileyo akusiyo imali engenamvuzo ngaphantsi kwanoma yiyiphi inqanaba lokucinga; Ilungelo lokufumana inkxaso-mali ye-premium lifikelela phakathi kwinqanaba eliphakathi.
Kodwa Kuthekani Ngabantu Abanobukhulu Bamafa?
Enye yemibandela edlalwa ngamanye amaxesha malunga nokuxhaswa kwe-premium kuhambelana nokufaneleka kwemindeni ephezulu ephezulu eneempahla ezibonakalayo kodwa ingeniso yonyaka ephantsi. Abathathe umhlala-phantsi bakuba ngumzekelo omnye; banokulondoloza amashumi eminyaka ukuba bahlawulele umthamo omkhulu, kwaye sele behlala phantsi - ngaphambi kweminyaka yobudala engama-65 xa i-Medicare ikhona-kwaye ihlala kwimali engenayo eyenziwe ngotyalo-mali. Ngenxa yoko, ingeniso yabo ingaba kakuhle phakathi kwoluhlu olufanelekileyo olufanelekileyo, nangona kunjalo ukuba banokuba neefowalli ezi-6 okanye ezisixhenxe zokutshala imali.
Ingaba kusemthethweni ukuba abo bantu basebenzise inkxaso ye-premium ye-ACA? Isihloko sivela rhoqo kwiintlobo zee-intanethi ezahlukeneyo, kwaye ngokungapheliyo kukho abantu abathi bancediswa yi-premium inkxaso kuphela abantu "abayidingayo" okanye ngabantu "abahluphekileyo" kuphela.
Kodwa akukho mabango ayenayo ingqiqo. Inkxaso-mali ye-Premium yintengo yerhafu. Iingxowa-zentlawulo zerhafu azisekelwe "kwiimfuno," zisekelwe kumanani. Ukuba ufanelekile ngokusekelwe kwimithetho ye-IRS, ufanelekile-akukho nto iphosakeleyo malunga nezikwere zerhafu.
Kwaye njengoko kukhankanywe ngasentla, inkxaso-mali ye-premium iyafumaneka kumakhaya aphakathi kwamagumbi - awayeklanyelwe kuphela "ababhalisayo".
Ukuba ngaba abenzi bezomthetho ababhala i-ACA babenjongo yokufumana inkxaso-mali ye-premium ukuba babe neemvavanyo ze-asethi (oko kukuthi, njengeSNAP, okanye ukufaneleka kweMedicaid kubantu abadala abafuna ukunakekelwa ekhaya ngononophelo lwabahlengikazi), babeya kubandakanya kwaye banokwenza isigqibo sokwenza njalo ngexesha elithile kwilixa elizayo.
Kodwa ukongeza iimvavanyo ze-asethi bekuya kwenza inkqubo esele yinkimbinkimbi ngakumbi, kwaye yayiza kubonisa umgomo wabamthetho, owawukufumana abantu abaninzi ngangokunokwenzeka kwiimpilo zamachiza e-inshurensi yempilo ukwenzela ukunciphisa izinga elingenakususwa kunye nokusabalalisa umngcipheko wempilo ngaphesheya kwidama elibanzi njengoko kunokwenzeka.
Ngenxa yoko, sincediso lwe-premium olusebenza ngokufanayo kunye nezinye izikwere zerhafu ezingenakuncedo ezisebenza kwiqela elingaphakathi. Ukulungelelaniswa kwezi khredithi zerhafu ayinanto enxulumene nempahla, kunye nento enokuyenza ngayo ngeniso. Kakade ke, akukho mthethweni - kwaye akukho mthethweni-ukuchasisa kakubi inzuzo yakho ukuze ufanele ukufumana izikripthi zerhafu. Kodwa nangona nje ubeka ingxelo ngokuchanekileyo kwingeniso yakho kwi-IRS, akukho nto iphosakeleyo malunga nokuthatha iikhredithi zerhafu xa uzilungele.
Kuyathakazelisa ngokwaneleyo, akunqabile ukuva abantu bethetha ukuba akukho mthethweni kuye, umzekelo, ukubiza ityala lentlawulo yomntwana okanye ityala le-saveer xa umfaki werhafu enemibuzo enempahla eninzi. Kodwa kuzo zonke iinjongo ezibonakalayo, akukho ntlukwano phakathi kweemali zerhafu kunye neerhafu yerhafu ye-premium, ngaphandle kokuba inkokhelo yentlawulo ye-premium ingathathwa kwangaphambili kunyaka wonke, ize ixolelane ngokubuyela kwerhafu yakho .
Kuqhelekile ukuba nabani na ukuba babuze ukuba ngaba amakhaya aphezulu afanelekile afanelekileyo afaneleke kwi-inshorensi yempilo exhaswe ngumqeshi (ininzi ikhona), nangona kunjalo ukuba izicwangciso ezinjalo zininzi zerhafu. Ngokwe-2016 ingxelo ye-CBO, urhulumente uqikelelwe ukuchitha i-$ 3.6 trillion exhasa inkxaso-mali eyabonelelwa ngumqeshi ukususela ngowama-2017 ukuya ku-2026 (ngenxa yokukhutshwa kweeprayimari ukusuka kwingeniso kunye nerhafu yokuhlawula), kodwa enye kuphela yesine yale mali kwi-premium inkxaso nganye kwimarike.
Kukho konke, ukugqithiswa kwezopolitiko malunga ne-ACA yisona sizathu sokuba iimpazamo zeprayimenti zibe yintlalo yenhlalakahle, xa ngokwenene nje ingeniso-mboleko yerhafu encinane, njengokuba abanye bebekho ixesha elide phambi kwe-ACA.
Ukuba Unelungelo lokuTyala leRhafu, Thatha
Isishwankathelo, akudingeki ukuba ukhathazeke ukuba akunakulungele ukubiza isibonelelo sakho se-premium ngenxa yokuba unayo iqanda elikhulu. Ingxowa yerhafu, njengawo nawuphi na umboleko werhafu. Ababhali beakhawunti bathambekele ekuvakaliseni ukuba baya kukufumana yonke inkokhelo yerhafu kunye nokuncitshiswa, kunye nabafaki berhafu bavame ukuxabisa nayiphi na ikhefu abayifumanayo yokubuyisela irhafu.
Ingaba kunqumla izinto ezinjenge-mortgage interest, iminikelo ye-HSA, inzala yemboleko yomfundi, okanye umrhumo we-IRA, okanye ukubiza izikwereti zerhafu njengekhredithi yomgcini-ntlawulo okanye i-credit premium yerhafu, abaninzi abafakela irhafu banelisekile ukuphelisa i-bill tax. Kwaye ekupheleni kosuku, yikho yonke inkokhelo yentlawulo ye-premium.
Unokulinda ukuBanga iNkxaso kwiRhafu yakho yeRhafu
Kubantu abathile abanempahla ebalulekileyo, kunokuziva bekhululekile-kwaye baqhele-ukuhlawula ixabiso elipheleleyo le-inshorensi yempilo kunyaka wonke (ukucinga ukuba unokukwazi ukukwenza njalo) uze ubange ityala lentlawulo ye-premium kwi-tax return yakho usebenzisa ifomu 8962 .
Ngethuba nje xa uthengela ukuthengwa kwakho ngokutshintshisana (izicwangciso zokutshintshiselwa ngaphandle kwezinto azifanelekanga kwiirhafu zerhafu ye-premium), zilungele ukuhlawulwa kweerhafu ngokusekelwe kwingeniso yakho kunye neendleko zesicwangciso sokutshatyalaliswa kwingingqi yakho ngokumalunga nomvuzo wakho, kwaye uhlangabezane nezinye iimfuno zokufaneleka ezikwimali-mboleko yentlawulo ye-premium , unokubango i-credit card ngaphambili (oko kukuthi, ihlawulwe ngqo kwi-inshurensi yempilo yenyanga nganye), okanye kwi-tax return yakho njengoko uyenayo nayinye inkokhelo yentlawulo.
Kodwa nayiphi na indlela, qi ni sekise ukuba akukho nto engabonakaliyo ngokumalunga neerhafu yerhafu ye-premium ukuba ingeniso yakho yenza ukuba ufaneleke. Iimpahla zakho aziyiyo inxalenye ye-equation.