UMthetho woLungiso lwezeMpilo luquka isiGunya seMpilo
Enye yeengxabano ezingaphezulu kweMpilo yoNonophelo ongenakuncedo ngumcimbi wegunya le-inshorensi yempilo-imfuno yokuba ukususela ngo-2014, bonke abemi baseMerika kufuneka banakekelwe ngempilo.
Ubuninzi babantu kweli lizwe bane-inshorensi yempilo ngomsebenzi okanye isicwangciso sikawonke-wonke njenge-Medicare kunye neMedicaid, kwaye bekusekho ngaphambili phambi kuka-2014 xa igunya lomntu liqale ukusebenza.
Ngoko-ke, igunya lijolise kwiqabane labantu baseMelika abangenayo inshuwalense yezempilo ngaphambi ko-2014, kwaye abo baye bahlala bengagqitywanga kwiminyaka elandelayo.
Ngaba Ndimele Ndibe Nomshuwalense Wezempilo?
Ukususela ngo-2014 bonke abemi baseUnited States nabahlali bezomthetho baye bafuneka ukuba babe "neyona minyelelo ebalulekileyo," ebandakanya ukuhanjiswa ngomsebenzi wakho, isicwangciso sikaRhulumente (njengeMediicaid, iMedareriya, uLawulo lweeVeteran, kunye neeNkonzo zeArmed), okanye isicwangciso sezempilo uthenge wena ngokwakho. Kodwa akubandakanyi "ngaphandle kweenzuzo" njenge -inshorensi yempilo yexesha elifutshane , ukuzaliswa kweengozi, okanye izicwangciso zokugula eziphambili.
Ukuba awunayo i-inshorensi yempilo, uza kuhlawula isohlwayo serhafu esaqalwa ngokuqala ngo-2014 ngonyaka wokunika ingxelo (ukuvavanywa xa abantu befaka irhafu yabo ekuqaleni kuka-2015). Isihlwayo esincinci ngo-2014 sasingama-$ 95, kodwa i-IRS yabika ukuba phakathi kwabafaki berhafu abatyala injelo ngo-2014, isigwebo esiphezulu sasingama-$ 210.
Isigwebo esincinci senyuka ngo-2015 kwakhona ngo-2016. Kubantu abangenakuqinisekiswa ngo-2016, isigwebo esincinci si-$ 695, kodwa iKaiser Family Foundation iqikelele ukuba izigwebo eziqhelekileyo ziya kuba zi-$ 1,000 .
Imali engama-695 yexabiso elingaphantsi (elingama-kathathu kangangoko kuninzi ukuba amalungu omndeni amaninzi angaqinisekanga) aya kuhlawulwa kwi-inflation ngonyaka, ukususela ngo-2017.
Kwimizi engenamvuzo ophezulu, isohlwayo i-2.5 ekhulwini yengeniso, eya kuqhubeka yimeko (uhlawula nayiphi na isohlwayo esiphezulu-isilinganisi esicatshulwayo, okanye ipesenteji yengeniso).
Ngaba Ukuxolelwa okanye Ufumane Uncedo?
Unokuba uvumelekile ukuxolelwa okanye unako ukufumana uncedo lokuhlawula i-inshorensi yezempilo ukuba ingeniso yakho ephantsi. I-IRS ibike ukuba ngelixa iifayili zerhafu ezi-7.9 ezihlawulwayo zihlawuliswe ukuhlawulwa ngo-2014, ezinye iifayili ezi-12,4 zeerhafu zaxhaswa kwijehlwayo, nangona zingenakuqinisekiswa.
Ukuxolelwa kunikwe oku kulandelayo:
- unobunzima bezemali
- unokwenene inkolo
- ungumNdiya waseMerika
- ubungenakho ukukhutshwa kwempilo kwisithuba esingaphantsi kweenyanga ezintathu (isohlwayo esiphezulu sisebenza ukuba awuzange uncedured kwiinyanga ezintathu okanye ngaphezulu)
- ungumngumntu ongekho mthethweni
- u se nto longweni
- Iindleko eziphantsi kakhulu zezempilo ezikhoyo kwingingqi yakho zidlula iipesenti ezi-8 zengeniso yakho (indexed for inflation) ngo-2017, ngamaphesenti angama-8.16).
- ingeniso yakho ingaphantsi komyinge wokufakela irhafu
- uyilungu lenkonzo yokwabelana ngezempilo
- uhlala kwelinye ilizwe ubuncinane ezingama-330 kwiinyanga ezili-12
- unokufutshane kwithuba elifutshane nge-AmeriCorps, VISTA, okanye kwi-NCCC.
- uya kuba ufanelekile kwi-Medicaid phantsi kwe-ACA, kodwa abavumelekanga kuba urhulumente wakho akayi kuwandisa iMedicaid.
Ukwenza umlinganiselo ongenakunciphisa
Ukuqala ngo-2014, i- Medicaid yandiswa phantsi kwe-ACA ukuya kumakhaya anemali engenayo ukuya kwi-138% yezinga elihlwempuzekileyo elisemgangathweni (malunga ne-16,400 zama-dollar ngamnye umntu ngo-2016).
Kodwa iNkundla ePhakamileyo yathetha ukuba ukwandiswa kweMedicaid kuya kukhetha, kwaye ngowe-2016 ngasekupheleni kwe-2016, kukho iziganeko ezingama-19 ezingazange zandise iMedicaid. Ngama-18 kulawo mazwe, kukho ikhefu lokubambisana : Abantu abanemali engaphantsi kwinqanaba lehlwempu abafanelekanga kwiinkxaso-mali ze-premium kwintsebenziswano okanye kwi-Medicaid, eyenza ukuba i-coverage ayifumaneke. Abantu kulo mqathango abahlolwe irhafu yentlawulo yokungaqiniseki, nangona kunjalo, njengoko i-IRS idale ukuxolelwa kwabo.
UDkt Mike inkcazo: iNqanaba leNtlupheko yeNtlupheko - Ekuqaleni konyaka, urhulumente wesigqeba ukhupha i-"level" yengeniso yentlupheko. Le mali yincinci engeniso yonyaka yokuba umntu okanye intsapho kufuneka ikwazi ukubonelela ngezidingo ezisisiseko ezifana nokutya kunye nezindlu. Inani langempela le dollar liguquka ngonyaka ngamnye kwaye liyahluka ngokusekelwe kwinani labantu kwintsapho. I- Federal Federal Poverty Level isetyenziselwa ukuchonga ukufaneleka komntu kwiinkqubo zikaRhulumente ezifana neMedicaid.
Ukuba ingeniso yakho yonyaka iphezulu ngaphezu kwe-138% yezinga elihlwempuzekileyo lomgangatho wezentlupheko kodwa ingaphantsi kwama-400% kwinqanaba lehlwempu (ngo-2017, kunye ne-$ 47,500 ngamnye), uya kufumana ityala lekhredithi ekuncedeni ukuhlawula iiprayam . Yaye ukuba ingeniso yakho ingadluli kuma-250 ekhulwini kwinqanaba lehlwempu, kukho inkxaso-mali ekhoyo yokunciphisa iindleko zakho ngaphandle kweendleko .
Inkxaso yeendleko ze-out-of-pocket ihlawulwa ngqo kwi-insurer yakho yempilo. Kodwa inkxaso ye-premium ingahlawulwa ngqo kwi-inshurensi yakho, okanye ungakhetha ukuyifaka kwi-tax return yakho. Ingxowa yerhafu ebuyiswe ngokutsha, ngoko uya kuyifumana nokuba awukhokhwa nayiphi na irhafu yentlawulo.
Kuthiwani Ukuba andisakwazi Ukufumana Umlinganiselo?
Kukho abanye abantu abangenakho ukuhlawula iiprimiyamu ze-inshurensi yezempilo nangomxhaso, okanye isaphulelo sentela. Ukuba le yimeko yakho unokucela ukuxolelwa ngokusekelwe kwingxaki yemali . Ukuba ixabiso leprogram yeBronze esezantsi ephantsi kwendawo yakho ingaphezulu kwe-8.16 yepesenti yengeniso yakho ngo-2017 (emva kokuba inkxaso, ukuba iyimfuneko, ithathwa ingqwalasela), uya kulungele ukuxolelwa ngokusekelwe kwirejista engenakulungiswa .
Ukuba ndithenga i-inshorensi, Ngaba iSicwangciso seMpilo singandijika xa ndigula?
Hayi! Zonke izicwangciso zeemarike zodwa zanikwa ukuqinisekiswa okuqinisekileyo ngoJanuwari 2014. Ubhaliso lukhawulelwe kwiwindow yokubhalisa evulekileyo yonyaka eqala ukuwa nganye ngoNovemba 1, okanye ixesha lokubhalisa elikhethekileyo elibangelwa ngumcimbi ofanelekileyo , kodwa i-insurers ayisayi kubuza malunga nomlando wezobugqirha xa ufaka isicelo sokulungiselela. Iimeko eziphambili ezikhoyo zifunyenwe kuzo zonke izicwangciso ngoku, ngaphandle kwezicwangciso zeemarike.
Ngaba Ndimele Ndihlawule Imirhumo Ephakamileyo Ngenxa Yokuguqulwa Kwezempilo?
Ngomhla kaJanuwari 1, 2013, abantu abafumana imali engaphezu kwama-200,000 ngonyaka okanye iibini ezifumana ngaphezulu kwama-250,000 ngonyaka ngonyaka-malunga ne-2% yamaMerika - zaqala ukunyuswa kweerhafu ezihambelana neengeniso, eziquka:
- Inkokhelo eyongezelelweyo ye-0.9% kwi- Medicare Part I- inshurensi yesibhedlele, ukwanda ukusuka kwi-1.45% ukuya ku-2.35% - umzekelo, ukuba unentsapho ehambileyo kunye nengeniso yonyaka ye-$ 350,000, uhlawula i-$ 900 eyongezelelweyo ngonyaka kwi-Medicare irhafu .
- I-3.8% yerhafu ye-Medicare kwiholo elingenakulinganiswa njengenzuzo eyinkunzi, izabelo kunye nemirhumo. Ngaphambili, iirhafu zonyango zihlolwe kuphela kwimali engenayo, njengemvuzo ukusuka emsebenzini okanye kwingeniso evela emsebenzini.
Nangona kunjalo, kukho iimeko ezinxulumene nentlawulo ezichaphazela inani elikhulu labantu. Ezi ziquka:
- Isohlwayo sentela yokungena-inshorensi yempilo eyaqala ukusebenza ngo-2014.
- Ezinye ziguquka ngendlela olawula ngayo i- akhawunti yokulondoloza impilo (HSA). Ukususela ngoJanuwari 1, 2011, awuyi kuphinda ubuyisele kwi-tax free-cost for the medals . Kwaye, irhafu malunga nokunikezelwa kwe-HSA (ngaphambi kweminyaka yobudala engama-65) engasetyenziselwa iindleko zonyango ezifanelekileyo zikhuphuke ukusuka kwi-10% ukuya kwi-20%.
- Ukuba ubeka ixabiso lokunciphisa intela yerhafu kwiShedyuli A, ngoJanuwari 1, 2013, umda wokunciphisa iindleko zakho zonyango ukwanda ukusuka kwi-7.5% yemali engenayo ehlawulweyo ukuya kwi-10% yemali engenayo. Olu khuliso luye lwasuswa xa uneminyaka engama-65 okanye ngaphezulu kwimivuzo yentela ka-2013 ukuya ngo-2016 kodwa isebenza kuwo wonke umntu ukususela ngowama-2017. Ngoko ke, ukuba imali yakho engenayo ihlawulwe i-$ 80,000, unokufumana kuphela iindleko zonyango ezidlula i-$ 8,000, kanti, elidlulileyo, ubuyakwazi ukufumana iindleko zonyango ezidlula i-$ 6,000.
Ukongezelela, kukho iirhafu ezingabhekanga ngqo kuwe ezinokuchaphazela. Ngokomzekelo, iintlawulo ezifakwe kwiinkampani zomshuwalense yezempilo ziyakwandisa iindleko zemveliso yazo, ezingadluliselwa kuwe. Okuthakazelisayo, iinkonzo zokulala zesebe zixhomekeke kwi-10 yepesenti zerhafu, enokuthi ibe yinto enhle kwimpilo-ungcono ukufumana ilanga lokukhanya kwelanga!
Ukuhlaziywa nguLouise Norris.
> Imithombo:
Healthcare.gov. Funda uMthetho woNonophelo ongenakunceda.
> Healthcare.gov. Iintlobo zeNtshurensi yezeMpilo ebala ukuba yi-Coverage.
> INkonzo yeNgeniso yangaphakathi. IRhafu yeNkcazo kwiiNkonzo zoThutho zangaphakathi, Imibuzo ebuzwa rhoqo.
> Inkonzo yeNgeniso yangaphakathi: Uxanduva lwabiwo lwabiwo ngabanye: Ukukhutshwa kweMali-mboleko okanye ingxelo.
> UKoskinen, uJohn, iNkonzo yeNgeniso yangaphakathi, iziphumo zokuqala ezivela kwixesha lokubhala nge-2015 elihambelana noMthetho wokuNakekelwa ongenakuncedwa ngo-Oktobha 2015 . > Januwari 8, 2016.