I-ACA ivumela "i-gap efutshane" ekujoliseni-nantsi indlela isebenza ngayo
Injongo ephambili yoMthetho woNonophelo ongenakunqwenelekayo kukunyusa i-inshorensi yempilo kubantu abaninzi baseMerika ngokusemandleni. Ngaloo nto, ibe nempumelelo ephawulekayo, ngezinga elingaqinisekisiwe liyehla ngaphantsi kweepesenti ezili-9 ngo-2016 (nangona liye landa kwakhona ngo-2017-2018). Ukususela ngo-2010 ukuya ku-2016, inani labantu abane-inshurensi yempilo e-US liye landa malunga nezigidi ezingama-20.
Nangona ukufikelela kwinshuwalense yezempilo kubalulekile, kubalulekile ukuba abantu baqhubeke nokufikelela kwabo. Ukugcina abantu abaninzi ngangokunokwenzeka kwi-pool-mngcipheko-ngakumbi xa besempilweni kwaye bengenayo imfuno yokunyamekela kwangoku-kugcina iiprayimenti ezifikelelekayo. Nangona i-inshorensi yempilo ayinancinci, kuya kuba kubi kakhulu xa abantu bekulinda baze bagule ngaphambi kokuba bathenge.
Isohlwayo sokungaqiniseki-kusekho ngempumelelo ngo-2018
I-ACA inemithwalo eninzi ngee-carrots ngendlela yokwaziswa okuqinisekisiweyo kunye nenkxaso-mali yokwenza ingxelo kunye nokunyamekela okuthengekayo, kubandakanywa inkxaso-mali ye-premium kunye nenkxaso-mali yokwabelana ngeendleko. Kodwa kukho intonga, ngendlela yesigwebo sezemali kubantu abangaphumeleli ukugcinwa kwe-inshorensi yempilo kulo nyaka.
Isohlwayo saqalisa ukusebenza ngo-2014, kwaye saqhubeka sihamba ngokukhawuleza ngo-2016. Ngo-2017 no-2018, isohlwayo sasihlala kwinqanaba elifanayo kwakukho ngo-2016.
Kodwa isohlwayo siya kupheliswa emva kokuphela ko-2018, nangona kunjalo, ngenxa ye-Tax Cuts and Jobs Act (HR1) eyenziwe ngasekupheleni konyaka we-2017. Kodwa ngo-2018, isohlwayo sisasebenza , njengoko isuka ngo-2014.
Isigwebo esiqhelekileyo kubantu abangazange baqinisekiswe ngo-2015 bekuyi-470-$ ukuya phezulu ukusuka kwi-$ 210 ngonyaka ngaphambili.
Kwaye kunye nedatha yokuqala evela kwi-IRS , isihlomelo esiqhelekileyo kwakuyi-667 yee-taxers abafake umrhumo wokungaqinisekanga ngo-2016 kwaye banikezele ukubuyiswa kweerhafu zabo ekuqaleni kukaMatshi, ngo-2017.
Isohlwayo sabantu abangazange baqinisekiswe ngo-2017 kuya kufana neye-2016, kwaye iya kuba yinto efanayo kubantu abangaqinisekanga ngo-2018.
I-Gap emfutshane kwiCandelo-Lisebenza njani?
Kodwa kukho ukuxolelwa ezininzi kwizahlwayo. Enye yazo ilungiselelo elivumela abantu ukuba babe negalelo elifutshane elifutshane ekuhambeni kweminyaka, ngokungakhathaliseki ukuba lingaphantsi kweenyanga ezintathu . Oku kuyinto ecacileyo, kodwa kukho ezinye iingongoma ezifuna ukucaciswa:
- Isithuba esikwi-coverage kufuneka sibe ngaphantsi kweenyanga ezintathu. Ngethuba nje ukuba unokubhengezwa ubuncinane ngosuku olulodwa ngenyanga, unokucingelwa ukuba unokubhengezwa kwenyanga leyo. Ngokomzekelo, ukuba isicwangciso sempilo kumntu owayesakuba ngumqeshi sizakuphela ngomhla we-15 kuMatshi (kungekhona imeko efana nesicwangciso sokuphela ngosuku ngaphandle komhla wokugqibela lwenyanga, kodwa kunokwenzeka), unokuba engavunyelwanga kuyo yonke iMatshi, yonke i-Epreli, nayo yonke iMeyi. Kodwa uya kufuneka ube ne-postage ye-Juni ukwenzela ukuba ugweme isohlwayo. Yaye i-inshurensi yempilo yodwa iyatholakala kuphela ngeentsuku zokuqala zenyanga (ngaphandle kokuba unomntwana omtsha okanye uthabathe umntwana kwaye uphindaphinda uhlawulelo ukuya kumhla wokuzalwa / ukutholwa).
- Ufumana kuphela ukukhululwa kwesithuba esincinane kwi-coverage ngonyaka. Ngoko ukuba awuxhaswanga inyanga enye ngoJuni uze ungancedwa kwakhona ngenyanga enyangeni kaSeptemba, awuyi kuxolelwa kwisigwebo ngoSeptemba.
- Ukuba awuzange uncedured ekupheleni konyaka we-2017 kodwa kungekudala ixesha elaneleyo lokubangela isigwebo ngo-2017, i-IRS iya kwongeza ixesha kwixesha elipheleleyo le-gap yakho yokufihla ukuba ungahlali ungaqinisekisiwe ekuqaleni kuka-2018. Ngokomzekelo, ukuba ukuba awuzange uqinisekiswe ngoNovemba, ngoDisemba, ngoJanuwari, noFebruwari, awuyi kuhlawula isigwebo ngo-2017, ekubeni i-gap yakho yokufikelela kwinyanga yayisithuba seenyanga ezimbini kuphela (ukucinga ukuba unesiqinisekiso sokusukela ngoJanuwari ukuya ku-Oktobha). Kodwa isithuba sokugqibela sakho se-2018 siza kuqala ngoNovemba, kwaye siza kubalwa njengeenyanga ezine-kwaye uya kuhlawulwa. Ukuba isithuba sakho ekugqibeleni ekupheleni konyaka we-2017 bekude ngokwaneleyo ukuba uhlawuliswe inhlawulo (umzekelo, Oktobha, Novemba, Disemba), ngoko ikhefu lakho ekujoliswe kuyo ngo-2018 liza kuqala ukubala ngoJanuwari-okt, abayi ziphinde ziphinde zihlawulise kwiinyanga ezifanayo, kodwa awukwazi ukubeka ezimbini iimbali zeenyanga ezimbini emva kokugqibela / ekuqaleni kwonyaka kwaye ugweme isohlwayo.
- Ukuba isithuba sakho ekugqibeleni sihlala kwiinyanga ezintathu okanye ngaphezulu, uya kuhlawulwa isohlwayo, kwaye iya kusebenza kwisiqhelo sonke. Isixa sohlwayo sithengiswa ngokusekelwe kwithuba elide elingagciniweyo (1/12 yesohlwayo sonyaka, esandiswe ngenani leenyanga ongakhange uncedured), kodwa ukuba isithuba sakho sokubhengezwa sisithuba seenyanga ezintathu okanye ngaphezulu, akukho nanye kwinyanga baxolelwe kwihlwayo.
- Isihlomelo sonyaka opheleleyo ngo-2018 singaphezulu kwe : $ 695 ngomntu omdala ongeqeshwanga (isiqingatha eso semali kumntwana), ukuya kwii-2,085 zeekhaya kwerhafu yerhafu yonke, OKANYE 2.5% yengeniso yekhaya ngaphezu kwesibalo sokufakela irhafu (le kufana nezohlwayo ze-2016 kunye no-2017; nangona isantya esicwangcisiweyo sijoliswe ukwandisa ukunyuka kwamaxabiso ngonyaka ukususela ngowama-2017, i-IRS yacacisa ukuba ukwanda kwexabiso lokunyuka kwamaxabiso ngo-2017 kunye no- 2018 kwakuyi-zero, ngoko ijehlwayo ayitshintshi). Isohlwayo sakho senyanga senyanga si-1/12 yemali yesigwebo sonyaka. Ukuba unesithuba esiphathelene neenyanga ezintathu okanye ngaphezulu (kwaye awufanelanga enye yezinye ukuxolelwa kwisihlwayo), kuya kufuneka uhlawule i-1/12 yezihlandlo ezipheleleyo zesohlwayo inani leenyanga owaye nga xhaswanga. Isohlwayo siqokelelwa xa ufaka i-tax return yakho (ukuba unetyala lokubuyisela imali, i-IRS izakukhupha isohlwayo kwimbuyekezo yakho).
- Ukuba unesiphakamiso esifutshane ekugqibeleni esihlala kwisithuba esingaphantsi kweenyanga ezintathu, unokumangalela ukukhululwa kwakho kwesohlwayo xa ufaka irhafu yakho yentlawulo.
Ngaba iCongress yayiphinde ibuyise kwakhona iSohlwayo?
Ewe, iCongress yatshitshisa isigwebo somntu ngamnye, phantsi kwemiqathango yoMthetho wokuThuthwa kweRhafu kunye noMsebenzi, owenziwe ngoDisemba 2017. Ngokomthetho, umyalelo wagcina isigunyaziso somntu ngokwawo-umthetho uthi abantu basoloko bafanele bagcine ukukhutshwa-kodwa isohlwayo kuncitshiswa kwi $ 0 ngumthetho.
Kodwa loo mbandela yerhafu yeerhafu ayisebenzi kuze kufike ngo-2019. Abantu abangenakunikwa inkxaso ngo-2018 kwaye abangafanelanga ukuhlawulwa kwezahlwayo baya kubakho ihlawulo xa befake i-return tax 2018 ekuqaleni kwawo ngo-2019.
Kwaye nangona imihla yezohlwayo ibalwa, i-IRS iyenzile ukunyanzelisa isohlwayo ngo-2018. Ukuqala ngo-2017 ukubuyiswa kweerhafu (kufakwe ekuqaleni kwe-2018), i-IRS ayisayi kwamkela impendulo engaphenduli umbuzo malunga nokuba ngaba Umfaki werhafu unomshuwalense wezempilo kunyaka. Ngaphambili, i-IRS yavumela loo mbuyekezo ukuba iqhutywe, kodwa oko akusekho.
> Imithombo:
> Amaziko okuLawula izifo, iZiko leSizwe leMatriki yeeMpilo. Inkonzo yomshuwalense wezeMpilo: Ukukhutshwa kwangaphambili kweeNgqikelelo kwi-National Health Survey Survey, ngo-2016 .
> IRS, Inkqubo yeNgeniso ye-2016-55 .
> UKomishinala we-IRS, uJohn Koskinen. I-Congress kwi-Congress malunga neentlawulo kunye neentlawulo ze-APTC zerhafu ye-2014 . NgoJanuwari 8, 2016.
> UKomishinala we-IRS, uJohn Koskinen. Incwadi yeCongress malunga neentlawulo kunye neentlawulo ze-APTC zonyaka werhafu ka-2015. NgoJanuwari 9. 2017.
> UMhloli woNondyebo Jikelele woLawulo lweRhafu. Iziphumo eziPhakathi zeNkcazo yokuFaka i-2017 . Matshi 31, 2017.