Ewe, isigwebo somntu ngamnye se-ACA sisasebenza, kwaye siya kuqhubeka sisebenza ngo-2018. Ukuba awuqinisekanga ngo-2018 kwaye awufanelekile ukuxolelwa, uya kuhlawuliswa xa ufaka iirhafu zakho ekuqaleni kwe-2019. Kodwa emva koko, isohlwayo asiyi kuvavanywa.
Phantse iminyaka eyisibhozo emva kokumiselwa, ezininzi iinxalenye zoMthetho wokuNakekelwa ongenakuncedo (aka Obamacare) zixhaswa ngabaninzi baseMerika.
Oku kubandakanya ukukhutshwa okuqinisekileyo kwintlawulo kungakhathaliseki imeko ekhoyo ngaphambili , iikhredithi zerhafu ye-premium ( inkxaso-mali ) eyenza ukuhlawula okunokuthengeka, ukuhanjiswa kweenzuzo zempilo ebalulekileyo , ukupheliswa kwama-maximums benefit benefits , kunye nokwandiswa kweMedicaid .
Kodwa umntu olwabelwana kunye nohlwayo , u-aka igunya lomntu ngamnye, uye wahlala enqwenela umyalelo womthetho. Igunya laqalisa ukusebenza ngo-2014 kwaye lifuna ukuba onke amaMerika agcine i-inshorensi yempilo ngaphandle kokuba bafanelekile ukuxolelwa . Kukho isigwebo esihlolwe yi-IRS kubantu abangagcinanga ukukhutshwa kunye nabangakufanelekanga ukuxolelwa.
Isohlwayo saqala iNcinane encinci kodwa ikhulile ixesha
- Ngo-2014, isohlwayo yayingama-dollar angama-95 kumntu omdala ongaxhaswanga (isiqingatha loo mali ngomntwana), ukuya kuma-285 kwintsapho nganye, OKANYE iipesenti ze-engeniso yekhaya ngaphezu kwendawo yokufakela irhafu.
- I-IRS ibike ukuba phakathi kwabafaki berhafu ababole ihlawulo ngo-2015 ukubuya, isihlomelo esiqhelekileyo saba ngu-$ 210.
- Ngo-2015, isohlwayo yayiyi-$ 325 ngomntu omdala ongaxhaswanga (isiqingatha loo mali ngomntwana), ukuya kuma-dollar ayi-975 nganye kwintsapho, OKANYE iipesenti ze-2 ngeniso yengeniso ngaphezu kwesibalo sokufakela irhafu.
- I-IRS ibike ukuba phakathi kwabafaki berhafu ababole ihlawulo ngo-2015 ukubuya, isihlomelo esiphakathi sasingama-470.
- Ngo-2016, isohlwayo yayingama-$ 695 kumntu omdala ongaxhaswanga (isiqingatha loo mali ngomntwana), ukuya kwii-2,085 zeentsapho nganye, OKANYE iipesenti ezi-2.5 zomvuzo wekhaya ngaphezu kwesibalo sokungenisa irhafu.
- Iipesenti ezingama-2.5 zeengeniso zengeniso zacetywa ukuba zihlale ngezinga ngo-2017 nangaphaya, kodwa isigwebo sexabiso esicwangcisiweyo sasiya kuguqulwa ngonyaka ngokunyuka kwamaxabiso, ukususela ngowama-2017. Nangona kunjalo, i-IRS yabhengeza ngasekupheleni kuka-2016 ukuba ukulungiswa kwexabiso lokunyuka kwamaxabiso ngo-2017 kuya kuba zero, kwaye kwenzeka into efanayo ngo-2018 ; I-penalty-rate rate ye-2017 kunye no-2018 sele ihlala kuma-695 e-$ ngamnye kumntu omdala, isiqingatha eso semali kubantwana, ukuya kuma-2,085 kwiintsapho.
Ngaba Isohlwayo Sisahlolwa Njani Ngoku Kukho Ixilongo E-Ofisi?
Ewe, isohlwayo siyahlolwa. Oku kuya kutshintshwa ngowe-2019, kodwa abantu abangaqinisekisiwe ngo-2018 baya kuba netyala xa befake iirhafu zabo ekuqaleni kuka-2019.
UMongameli uTrump wagxininisa kwisithembiso sokuba asuse i-ACA kwaye ayifake enye into. AmaRiphabliki eNtlu adlulisele uMthetho we-American Health Care Act (AHCA) ekuqaleni kukaMeyi, kodwa umthetho awuphumelelanga kwi-Senate, nangona iinzame eziphindaphindiweyo ze-GOP Senamente ukuba zidlule.
Ekugqibeleni, abameli beRiphabhlikhi babedlulisa uMthetho wokuThuthwa kweRhafu kunye neMisebenzi kunye noMongameli uTrump wasayinisela ngumthetho ngoDisemba 2017. Nangona ibhaso yerhafu ishiya yonke i-ACA ehambelanayo, ichithe isigwebo somntu ngamnye, ngo-2019 (amanye amalungiselelo erhafu ibhili-mali iyaqala ukusebenza ngo-2018, kodwa ukuchithwa kwamagunya ngamnye kulibaziseka unyaka).
Ngosuku lwakhe lokuqala kwi-ofisi, iTrump yanikezela umyalelo olawulayo ojoliswe "ekunciphiseni umthwalo wezoqoqosho" we-ACA. Ngokuqinisekileyo iyala ukuba i-arhente ye-federal ibe yindoda enyanzelisayo ngokusemandleni abo ekuthotyelweni kweerhafu ze-ACA kunye nezohlwayo.
Isohlwayo ngokwaso sichazwe kwicatshulwa ye-ACA , oku kuthetha ukuba umthetho (ngokuchasene nokusebenza okulawulwa yi-HHS okanye i-IRS) kwakuyimfuneko ukuze utshintshe okanye ususe isigwebo. Ibhaso yerhafu iya kuphelisa isohlwayo ngo-2019, kodwa kude kube ngoko, i-IRS kufuneka iqhubeke nokuyinyanzelisa.
Nangona kunjalo, phantsi kwemiqathango yecandelo lolawulo lweTrump, i-IRS inokunyamekela ngakumbi ngokunikezela ukuxolelwa kwesohlwayo.
Kwaye bathatha ishintsho ngoFebruwari 2017 ngokukhawuleza, beqaphela ukuba baya kuqhubeka beyamkela "ukubuyiswa okubukhali" ngo-2016. Kodwa oko kuya kutshintshwa ekuqaleni kuka-2018, xa ukubuyiswa kweerhafu ku-2017 kwenziwa. Nantsi oku kuthetha ntoni:
- Kwi-61 yeFom 1040 , i-IRS icela bonke abafaki-berhafu beerhafu nokuba ngaba bengenayo i-inshorensi yezempilo yonyaka yonke (le nto yenzeke ukususela ngo-2014). Abaninzi baseMerika banomshuwalense wezempilo, kwaye banokukujonga nje ibhokisi ethi "ukugcwala konyaka opheleleyo" kwaye uqhubeke kunye nokubuya konke. Kodwa kulabo abangenayo inyaka-mali yokufunda, le nkqubo inzima kakhulu: kufuneka ifake iqhotyoshelweyo kwifomu ye-Fomu 8965 , okanye ukubala ukuhlawulwa.
- Kwiminyaka yerhafu ye-2014 no-2015, i-IRS ayizange ibenqabe ukubuya xa umgca 61 ushiywe ungenanto (oko kukuthi, ukubuyela "ukuthula"). Abaninzi abafakela irhafu bagqityiwe kumgca we-61 nanoma kunjalo (malunga neepesenti ezingama-90 zamaMerika abanomshuwalense wezempilo, ngoko oku akuyona inkxalabo yamanxeba amaninzi, kwaye izigidi zeefayile zerhafu zineziphumo zokuvavanya i-penalty 2014-2015).
- Ngo-2016 ukubuyiswa kweerhafu, nangona kunjalo, i-IRS yayijolise ukuyeka ukuvuma ukubuyiswa kwangaphandle. Baya kuqala ukugatya iindleko ezingazange zibonise ukuba umfaki weerhafu unomshuwalense wezempilo ngexesha lonyaka (kwaye nangona i-IRS ingenalo igunya layo eliqhelekileyo lokuthotyelwa kwe-ACA isohlwayo, kusoloko kungemthetho ukuthetha amanga kwi-IRS).
- Inkqubo yokuguqulwa kwe-IRS, nangona kunjalo, kwaye yaqhubeka yamkela ukubuyiselwa kwemali yonyaka werhafu ka-2016. Baqaphele ukuba utshintsho lube ngumphumo othe ngqo we-Trump's order order.
- Nangona kunjalo, ukubuyiswa kweerhafu ngonyaka ka-2017, kufakwa ekuqaleni kuka-2018, i-IRS ayiyi kuphinda ivumele ukubuya okubuyayo. Wonke umfaki werhafu uza kuphendulwa umbuzo malunga nokuba baneminshuwalense yempilo ngexesha lonyaka.
Ngoko nangona kukho ukudideka okukhulu ngokubhekiselele kwinto eyenziwa ngesigwebo somntu ngamnye phantsi kolawulo lweTrump, inkqubo yokufaka isicelo ngokumalunga nomyalelo ngamnye kuyafana nobuyiselo lwe-2014-2016, kodwa iyanqabile ngokuphindaphindiweyo ukubuyiswa kwe-2017, Ukubuyiselwa kwangasese kuya kukhatywa. Kwaye nangona isohlwayo siya kugqitywa, kuya kusekho isohlwayo, sivavanywe ngo-2019, kubantu abahlala bengagciniwe ngo-2018.
Ukutshatyalaliswa kweNkundla yeMatyala Yomntu ngamnye kuya kuthinta njani i-Intshurensi yakho yeMpilo?
Abameli beRiphabhlikhi bazisa iintlobo zeengxelo zezinto zokuphucula ukunakekelwa kwempilo ngexesha le-2017 yeseshoni yomthetho, ejoliswe ekutshitshiseni okanye ekutshintsheni iinkalo ezahlukeneyo ze-ACA. Ukunqunyulwa kwesigwebo somntu ngamnye kwakuyinxalenye eyintloko yezo bhili, kwaye abaninzi babo babeya kuphelisa isohlwayo, ngokukhawuleza, babuyele ekuqaleni kwe-2016. Zonke ezi bhilile zagqitywa ekugqibeleni, kodwa ukuba ukupheliswa ngokutsha kwesigwebo baphumelele, abantu abahlawule isohlwayo sokungaqinisekwanga ngo-2016 babeya kufumana imali yokubuyisela imali, kwaye abantu babeya kuba nako ukuhlawula i-2017 yomyinge weminyaka emibini ngaphandle kokujongana nesohlwayo.
Nangona kunjalo, ibhilikhwe ekugqibeleni idlulile, uMthetho woNgeniso lweRhafu kunye neMisebenzi, ishiya ezininzi ze-ACA intac . Inxalenye kuphela eyitshintshileyo yisigwebo somntu ngamnye. Kwaye ekugqibeleni ekugqitywa yi-bill yerhafu, leyo ayiyi kusebenza ukususela ngo-2019. Abantu abangaqinisekisiwe ngo-2018 baya kujongana nesahlwayo xa befake iirhafu zabo ezingu-2018 ekuqaleni kwawo-2019.
Inqaku esuka
Igunya lomntu ngamnye we-ACA ayithandeki, kodwa iipresimari ze-inshurensi yempilo nganye zemarike ziya kuba ziphakamileyo xa zisuswe (ukwandiswa malunga neepesenti ezili-10 ngonyaka, ngokutsho kwe-Ofisi ye-Budget ye-Congressional ), ekubeni ukugqithiswa kuya kuqhubeka kuqinisekiswa. Ngaphambi kuka-2014, kwakungekho myalelo, kodwa iinkampani zomshuwalense kwiinkampani ezininzi zinganqanda izicelo okanye zihlawulwe iiprayimari ezongezelelweyo ezisekelwe kwimbali yezonyango zabafaki-sicelo.
Emva kokuba kubekho ukuqinisekiswa kwenkxaso-mboleko (oko kuthetha ukuba abaqinisekisi bangeke bakwazi ukuqwalasela imbali yezonyango zabafake izicelo), kwaba mfuneko ukunyusa uhlobo oluthile lokulinganisa ukuqinisekisa ukuba abantu bagcina ukugqithiswa ngonyaka. Ngaphandle koko, abantu babeya kuba banako ukuhamba xa bengabonakaliyo, kwaye babhalisele kuphela ukufumana inkxaso xa befuna ukunakekelwa kwempilo, okuya kubangela iiprayimari eziphakamileyo ( ixesha lokubhalisa elilinganiselweyo linye inxalenye inkuthazo yokuqinisekisa ukuba abantu bagcina ukugqithiswa kunyaka-wonke).
Nangona ama-premiums aya kunyuka, ukususela ngowama-2019, nangaphezulu kunokuba abaya kuba nayo xa isigwebo somntu ngamnye sihlala sikhona, inkxaso-mali ye-premium iya kukhula ngokukhawuleza, iyanciphisa ukwanda kwezigidi zabantu ababhalisile . Kodwa abantu abangafumani inkxaso-mali ye-premium, nangona kunjalo, kwaye bathenga i-inshurensi yempilo yabo, baya kuthwala ubunzima obupheleleyo beprayimamu eziphezulu (abantu abangafumani inkxaso-mali ye-premium kubandakanya abo bachaphazelekayo yi -glitch yasekhaya , kwi-gap , kunye nabantu abanomvuzo wabo womakhaya ongaphezu kwama-400 ekhulwini lezinga lehlwempu, emva kokukhupha umnikelo kwiiplani zomhlala-phantsi zangaphambili zerhafu kunye ne-HSAs).
Kwaye sonke sisadingeka ukuba sigcine i-inshorensi yempilo ngo-2018. Izigwebo ziya kuvavanywa ekuqaleni kuka-2019, ngo-2018 ukubuyiswa kweerhafu, kubantu abangenakuncedwa ngo-2018 kwaye abangafanelanga ukuxolelwa. Kodwa nangona emva ko-2018, kuya kuba bubulumko ukuba ube ne-inshorensi yempilo. Ukungabikho kwenkcazo kuthetha ukuba unyango lwempilo yesifo esibi singenakulungiseka okanye lufikeleleke ngokupheleleyo, kwaye luya kuqhubeka lungenakwenzeka ukubhalisa ngaphandle kobhaliso oluvulekile ukuba ungenayo isiganeko esifanelekileyo . Isifo esibi okanye ukulimala asithathi njengesiqhelo esifanelekileyo.
> Imithombo:
> INkonzo yeNgeniso yangaphakathi, Ulwabiwo lwabiwo ngabanye, Ukuhlaziywa ngoFebruwari 2017.
> INkonzo yeNgeniso yangaphakathi, iNkqubo yeNgeniso 2016-55 .
> I-Kaiser Family Foundation, Isishwankathelo se-American Health Care Act, ngoMatshi 2017.
> IKoskinen, J., i-Internal Revenue Service, Ileta yeNgqungquthela kwiziphumo zokuqala ukususela kwixesha le-2015 lokubhala ngokumalunga noMthetho wokuNakekelwa ongenakuncedo ngo-Oktobha 2015 . NgoJanuwari 8, 2016.
> Koskinen, J., i-Internal Revenue Service, Ileta yeNgqungquthela kwimiphumo yokuqala yangonyaka we-2015 ngokuphathelele kwi-Care Affordable Care Act . NgoJanuwari 9, 2017.
> I-WhiteHouse.gov, iSigqeba esiLawulayo Ukunciphisa Umthwalo wezoQoqosho woKhuselo lweMonde kunye noNonophelo ojongene noNonophelo ongenakunqunyulwa, ngoJanuwari 20, 2017.