Xa ixesha leserhafu lijikeleza, unokuba uzibuza ukuba iipresimenti zakho ze-inshorensi yezempilo zichithwa yerhafu. Kuxhomekeke ekubeni ungubani kwaye usebenzela bani.
Uziqeshile
Ndiyasebenza, uphendule kaninzi nguwe-ii-premiums ozihlawulayo ukuzifihla wena kunye nabaxhomekeke bakho mhlawumbi bathathwe irhafu, nje ngokuba ufumana i-inshorensi yakho yempilo.
Oku kuyinyani nokuba ingaba uyifumana i-inshurensi yakho ngokutshintshiselana, okanye kwimakethi nganye ngaphandle kokutshintshiselwa. Inkxaso-mali ye-premium (iikhredithi zerhafu ye-premium) ziyafumaneka kwintsebenziswano , kodwa kungekho ngaphandle kokutshintshiselana. Ngandlela-thile, abantu abaqeshwe ngabanye banokukrazula kuphela imali abayihlawula ngokwenene kuma-premium. Akukho "ukudibanisa okuphindwe kabini" kuvunyelwe, ngoko ke ukuba ufumana inkxaso-mali yeprayimenti ekutshintshiseni ukuhlawula isahlulo se-premium yakho, unokukhipha kuphela i-premium yakho yenkxaso-mali emva kokubuya kweerhafu.
Kubalulekile ukuqonda ukuba inani le-premium yenkxaso-mali oyifumeneyo ihambelana nomvuzo wakho opheleleyo olungisiweyo (i- ACA-calculation specification) , eyahlukileyo kwimali engenayo ehlaziywe ngokuqhelekileyo), kodwa ii-premiums ozihlawulela i-inshurensi yezempilo njengesiqeshwe Umntu uyimfuneko ekuqaliseni ingeniso yakho epheleleyo echitshiweyo. Oku kugqitywa ukuba yingxaki yesadi: Inkxaso yakho ye-premium ixhomekeke kwingeniso yakho ehlengahlengisiweyo, kodwa ingeniso yakho ehlengahlengisiweyo ixhomekeke kwingcediso yakho ye-premium.
Kodwa i-IRS ijongene nale ngxaki, kwaye umcebisi wakho weerhafu okanye isofthiwe yerhafu unokukunceda ukuba uyilungise.
Kodwa nangona usebenza ngokuzimeleyo, ukuba wena, lakho iqabane, okanye abaxhomekeke kuyo bafunyanwe neqela lomqeshi we-inshurensi yezempilo (okanye eyakho, ukusuka kumsebenzi ohlukeneyo, okanye isicwangciso somlingane okanye umzali wakho), iiprayimari ozihlawulayo ngenxa yokuba loo mbuzo mhlawumbi ayikho into ongayenza ngayo ukubuyisela irhafu yakho.
Kungenxa yokuba baninzi bahlawulwa ngeerola zangaphambili zerhafu kuba inshurensi yezempilo exhaswe ngumqeshi ichithwe irhafu kubo bobabini abaqeshi nabasebenzi .
IiAkhawunti zokuSindisa iMpilo
Ukuba unesiCwangciso sezempilo esixhomekeke kwi-HSA (HDHP), unokufumana i- akhawunti yokulondoloza impilo (HSA). I-HSA yakho inokumiselwa kumqeshi wakho, okanye mhlawumbi into oyimisa ngokwakho, njengoko unako ukufumana i-HDHP enikwe ngumqeshi okanye kuthengwa kwiimarike .
Igalelo oyenzayo kwi-HSA yakho yi-100 yepesenti yentlawulo echithwayo ukuya kumda we-$ 6,900 ukufikelela kwentsapho kunye ne-$ 3,450 yokufumana inqaku ngalinye ngo-2018. Iminikelo kwi-HSA yakho inokwenziwa nguwe okanye ngumqeshi wakho, kodwa kuphela isabelo ozenzayo irhafu. Ukuba uhlawula i-HSA yakho ngokuchithwa komvuzo, igalelo ziya kwenziwa kwisiseko sokuhlawula kwangaphambili, kwaye oko kuya kubonakaliswa kwi-W-2 oyifumanayo (oko kukuthi, akuyi ku funeka uwathathe kwi-tax return yakho, baya kuba sele bencitshisiwe kwingeniso yakho engenayo). Kodwa ukuba uhlawula i-HSA yakho, uya kugcina umkhondo weminikelo oyenzayo kunyaka kwaye uchithe ingqikithi yentlawulo yakho yerhafu.
Iimali-mali njengenxalenye yeendleko zonyango jikelele
Ngaphandle kokuba ungaqeshwanga, i-Internal Revenue Service (i-IRS) ikuvumela ukuba ubale iiproyamu zonyango zonyango kunye neengxaki ezithile, kunye neephene, i-inshorensi yentsholongwane yexesha elide. AGI) ekufuneka ichithwe kwiinkonzo zempilo phambi kokuba kuncitshiswe iindleko zonyango ngaphandle kwe-pocket.
Uluhlu olude lweendleko ezinxulumene nempilo lungabandakanywa ukuba luncitshiswe, kubandakanywa imishanguzo yonyango kunye neenkqubo zokuhlinzwa ezikhethiweyo, njengophenyo lweziliso zamathambo ukulungisa umbono. I-IRS inoluhlu kwiwebhusayithi yayo. Gcina iindleko zeendleko eziphuma ngaphandle kwexesha-kuquka iinkonzo ze-inshorensi zempilo xa uthengisa isicwangciso sakho kodwa asiqeshwanga. Ukuba iindleko zakho zizonke zidlula i-7.5 yeepesenti ze-AGI yakho, uya kukwazi ukukhupha iindleko ezingaphezulu kwelo mqathango.
Ngokomzekelo, ukuba i-AGI yakho ingama-$ 50,000 kwaye uchitha i-$ 8,000 kwiindleko zonyango, kuquka ne-inshorensi zempilo ye-inshorensi ozihlawulayo, uya kukwazi ukukhupha iindleko zonyango ze-$ 4,250 kwi-tax return yakho (i-7.5 pesenti ye-$ 50,000 yi-$ 3,750, ukwenzela ukuba unako ukukrazula imali leyo engaphezu kwama-3,750 ayilo mzekelo).
Qaphela ukuba iipesenti ezingama-7.5 ezisetyenziselwa ukuba zibe ngumgangatho oqhelekileyo, kodwa i-ACA yenyusa ukuya kuma-10 ekhulwini (yahlala kuma-7.5 ekhulwini kubantu abaneminyaka engama-65 nangaphezulu, ekupheleni kwe-2016). Nangona kunjalo, umrhumo weRhafu we-GOP ( uMthetho wokuThuthwa kweRhafu kunye neMisebenzi ) owenziwe ngoDisemba 2017 uhlawulela umyinge ukuya kuma-7.5 ekhulwini kubo bonke abafake izicelo zerhafu, ngo-2017 no-2018. Ngoko endaweni yokuchitha imali engaphezulu kwe-10 yengeniso yakho Iindleko zonyango (kubandakanywa iipresyam) ukwenzela ukuba ufaneleke ukuncitshiswa, ngoku kufuneka uchithe ngaphezulu kwama-7.5 ekhulwini. Oku kuza kuphelela ekupheleni konyaka we-2018, nangona kunjalo, kwaye kuya kubuyela kwiipesenti ezili-10 kubo bonke abafake izicelo zerhafu. Ukuqala ngo-2019, kuphela iindleko zonyango ezingaphezu kweepesenti ezili-10 zengeniso ziya kulungelelaniswa.
Ukuze unyuke iindleko zonyango, kufuneka uhlawule imali yakho. Oku kuyahluke kwiimeko ezimbini ezichazwe ngasentla-ukutsalwa kwe-premium yempesimali ye-inshurensi ye-self-employed kunye ne-akhawunti ye-Akhawunti ye-Savings Savings-ezo zombini zingasetyenzwa kungakhathaliseki ukuba zichithwe.
Oku kungokujonga ngokubanzi indlela i-IRS iphatha ngayo iipresimali zempilo zonyango. Ukuba unemibuzo malunga nemeko ethile, kodwa uqiniseke ukuba uthetha nomcebisi weerhafu.
> Imithombo:
> UC Berkeley Labor Centre. Ulungiso olulungisiweyo Uhlawulelo oluNinzi ngaphantsi koMthetho wokuNakekelwa ongenakuncedo . Julayi 2014.
> House.gov. Umbhalo we-Tax Cuts and Jobs Act (HR1) , owenziwe ngoDisemba 22, 2017.
> INkonzo yeNgeniso yangaphakathi, Ukupapashwa 502 (2015) .
> INkonzo yeNgeniso yangaphakathi, iNkqubo yeNgeniso ka-2015-30 .
> INkonzo yeNgeniso yangaphakathi, iNkqubo yeNgeniso 2016-28 .
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