Abaqashi abakhulu kumele banikezele ukuthengwa okungabizi, kepha lokho kunqunywa kanjani?
Ngaphansi kwegunya lokuqashwa lomqashi lika-Affordable Care Act, abaqashi abakhulu (labo abanesisebenzi esilingana nesikhathi esigcwele sama-50 noma ngaphezulu) kumele banikeze umshuwalense wezempilo ngesikhathi sabo esigcwele (abasebenzi abangu-30 + ngamaviki) noma babhekane nesigwebo sezimali.
Kukhona i-latitude ebanzi ngokubheka abaqashi abakhulu abanganikela, kodwa ukuze bahambisane nomsebenzi womqashi, ukufakwa kokuhlinzekwa kufanele kuhlinzekwe okungenani okungenani futhi kubhekwe njengengakhokhwa isisebenzi.
Inani elincane lisho ukuthi uhlelo luhlanganisa okungenani amaphesenti angama-60 ezindleko zezokwelapha ezijwayelekile kubantu abajwayelekile, futhi inikeze "ukuhlinzekwa okujulile" ukunakekelwa kwezingane ezingelapheki kanye nezinsizakalo zezokwelapha (inothi ukuthi inani elincane aliyona into efanayo nokuhlinzekwa okungenani okubalulekile , kodwa umqashi izinhlelo ezihlinzeka ngezinga eliphansi lihlangabezana nezidingo zokubambisana okubalulekile).
Kodwa ukukwazi ukulinganisa kuyisilinganiso esiphezulu kakhulu ngoba kuxhomeke kakhulu kunzuzo yomuntu. Abaqashi kanye ne-IRS banquma kanjani ukuthi uhlelo lungabizi kubasebenzi?
Ukunquma ukungaqiniseki: Abaqashi basebenzise izibalo zokuphepha eziphephile
I-IRS ibheka ukuthengwa komsebenzi okungabizi uma nje ingxenye yengxenye yamaphrimiyamu yokwaziswa okukuphela kwayo ayidluli u-9.56 wamaphesenti omholo wendlu yomsebenzi ngonyaka ka-2018 (leli phesenti likhokhelwe ukwehla kwamandla emali njalo ngonyaka; liqale ngamaphesenti angu-9,5 ngo-2014, kwanda ngonyaka ngonyaka ka 2017, bese kwehla kancane ngo-2018).
Kubalulekile ukuqonda ingxenye "eyedwa" yale ncazelo. Izindleko zokwengeza amalungu omndeni ohlelweni lomsebenzi azicatshangwa uma kutholakala ukukhokhela. Konke okubalulekayo yilokho isisebenzi okufanele sikhokhele kuphela ukukhishwa kwabo siqu. Ngeshwa, amalungu omndeni awafanelekile ukuthola izinsizakalo ze- premium emakethe ngayinye uma enokufinyelela ekuhlinzekeni ngaphansi kohlelo oluxhaswe ngumqashi olubhekwa njengingakhokhwa isisebenzi, kungakhathaliseki ukuthi kuzodingeka kangakanani ukufaka umndeni kumqashi- uhlelo oluxhasiwe.
Lokhu kwaziwa njenge- glitch yomndeni .
Ngakho ukuzimisela kokukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukhokhela imali yakho kungakapheli ngokuqondile: uma ngabe umqashi wakho unikeza imali engaphezu kwamaphesenti angama-9.56 omholo wakho wekhaya ngo-2018 Uma kunjalo, uzokwazi ukuthola ukusizwa kwe-premium ekushintsheni uma ufuna ukuthenga uhlelo lomakethe ngalunye esikhundleni, futhi umqashi wakho uzobe eseceleni kwesigwebo sesigunyaziso somqashi.
Kodwa umqashi wakho wazi kanjani imali yakho yendlu? Uma usebenza isikhathi esigcwele kumqashi omkhulu futhi ukufakwa kwakho kuphelela ekungenakulungiswa uma kuqhathaniswa nengeniso yakho yomndeni, umqashi wakho usezingeni lokuthola inhlawulo, okungaba yinto enkulu. Noma kunjalo, abaqashi ngokuvamile abanakho ukufinyelela kwedatha mayelana nenzuzo yabo yonke yomndeni yabasebenzi.
Ukuze uxazulule le nkinga, i-IRS yakha izibalo ezintathu "eziphephile ze-harbor" abaqashi abangasebenzisa. Uma nje umqashi ehlinzeka ngezinga eliphansi lokubheka okubhekwa njengingakhokhwa ngokusebenzisa enye yezindlela eziphephile zechweba, umqashi ngeke kudingeke akhathazeke ngamacala angase abe khona.
I-Harbors ephephile
- I-W2 inkokhelo ephephile . Ukuze usebenzise le ndlela, umqashi kufanele aqiniseke ukuthi izindleko ze-premium zomshuwalense wezempilo zonyaka wonke zingadluli amaphesenti angu-9.56 emholo ka-W2 womsebenzi ngo-2018. Angabeka iminikelo ye-premium yomsebenzi njengesamba se-dollar ngesikhathi sokukhokha noma iphesenti yengeniso (okungase ihluke, uma imali engenayo yomsebenzi ihluka), kodwa kunemikhawulo yokulungiswa kweminikelo phakathi nonyaka-nonyaka ukuze kulandelwe ukushintshwa kwemali engenayo. Ngakho le ndlela ingcono kakhulu kwabasebenzi abanomholo oqhubekayo unyaka wonke.
- Isilinganiso sechweba eliphephile lokukhokha . Ukuze usebenzise le ndlela, umqashi ubheka umholo wehora lomsebenzi njengesiqalo sonyaka wepulani (noma umholo wehora ophansi kunazo zonke isisebenzi esitholayo phakathi nenyanga enikeziwe), uyayandisa ngo-130, futhi sinquma amaphesenti angu-9.56 waleso samba. Lo mphumela uzoba yinani eliphakeme ukuthi isisebenzi singadingeka ukuthi sikhokhele ukuhlinzeka ngempilo yenyanga. [Ukubalwa kwamahora angu-130 kusetshenziswa kungakhathaliseki ukuthi usebenza kangakanani amahora, ngoba lokho kuyincazelo encane yomsebenzi wesikhathi esigcwele.]
Endabeni yabasebenzi abaholelekile, izinga lokukhokha kwezokuphepha eliphephile lifuna ukuthi umqashi aqiniseke ukuthi izindleko ze-premium zabasebenzi azidluli u-9.56 wamaphesenti omholo wenyanga wesikhonzi.
- Izinga lobuphofu laseFrance elikuphephile . Le ndlela yokugcina ichwephe iphephile ekufakweni okuphezulu okudingekayo kwe-premium kuyo yonke isisebenzi, ngoba isekelwe izinga lobuphofu elisemhlabeni, kunokuba uthole imali engenayo yomsebenzi ngamunye. Ukuze usebenzise le ndlela, umqashi wakho kufanele aqinisekise ukuthi izindleko zakho ze-premium azidluli ezingeni lika-9.56 zezinga lobuphofu elisemthethweni.
Ngo-2018, izinga lobuphofu elisemthethweni liyizigidi ezingu-12,140 (ngomuntu oyedwa, yilokho okubalwe khona lokhu). Ngakho uma umqashi wakho esebenzisa leli hambo eliphephile, izindleko zakho zezindleko ze-premium zokuthenga kwakho ngo-2018 azikwazi ukudlula u-$ 1,161-noma $ 97 ngenyanga. Leli zinga eliphephile le-harbor liyoholela ekugcineni kwezinga eliphansi kunazo zonke izinkokhelo ezizokwenziwa abasebenzi abakhokhele, ngoba abasebenzi abaningi besikhathi esigcwele bathola okungaphezu kwezinga lobuphofu elisemthethweni.
I-IRS ikwazi kanjani ukuthi iyiphi indlela yokuphepha evikelekile Umqashi wami osetshenzisiwe?
Umqashi wakho ufaka umbiko ekuqaleni konyaka ngamunye nge-IRS (futhi uyakuthumela ikhophi), echaza imininingwane eyanikezwa yona ngonyaka odlule. Lokhu kuyiFomu 1095-C .
E-line 16 yale fomu, umqashi wakho uzofaka ikhodi ukuze acacise ukuthi iyiphi indlela yokuphepha echwebeni (uma ikhona) esetshenzisiwe. Amakhodi achazwe emibhalweni yomqashi yeFomu 1095-C : Ikhodi ye-2F isho ukuthi inkokhelo ye-W2 ephephile isetshenziswa; Ikhodi ye-2G isho ukuthi ububanzi besiphephelo esiphephile esifundazweni besetshenzisiwe, kanti i-2H isho ukuthi isilinganiso sechweba eliphephile lokukhokha lisetshenzisiwe.
Imali engenayo yezindleko zomndeni ayitholakali ezindleleni zokuphepha eziphephile
Njengoba umqashi wakho efinyelela kuphela kwingxenye yakho yengeniso yendlu yakho, yilokho okuzocatshangelwa uma umqashi wakho esebenzisa isibalo esiphephile sokubala. Futhi uma indlela esebenzayo yokuphepheka kwesifundazwe esiphephile isetshenziswa, isekelwe izinga lobuphofu lomuntu oyedwa kuphela. Uma oshade naye enemali engenayo eyengeziwe, lokho akubalwa uma umqashi wakho eqinisekisa ukuthi ama-premium akho awadluli amaphesenti angu-9.56 wemali engenayo.
Abaqashi akudingeki basebenzise isibalo esiphephile sokubala. Kodwa izijeziso zokuhluleka ukuthobela igunya lomqashi ziyizintambo, kanti abaqashi abahlinzeka ngemisebenzi ngokuvamile abafuni ukuqeda ngokungabonakali ukuhlinzekwa okungahambisani nemihlahlandlela yokukhokha.
Konke Okushiwo Ngabasebenzi?
Uma usebenza isikhathi esigcwele kumqashi omkhulu, cishe umshwalense wezempilo ohlinzekwayo ongeyinto engabizi ngokwezifiso zakho, ngoba abaqashi ngokuvamile bafuna ukuqinisekisa ukuthi bahambisana negunya lomqashi ka-ACA. Kodwa ama-premiums angase abe mkhulu kakhulu uma ungeza amalungu omndeni ohlelweni lwakho, ngoba abaqashi akudingeki ukuba ukukhokhelwa kungabizi, hhayi emndenini wakho.
> Imithombo:
> Cornell Law School, Legal Information Institute. 26 Ikhodi yase-US 36B, ikhredithi ekhokhelwa ukukhokhelwa ngaphansi kohlelo lwezempilo olufanelekile. 36B (c) (2) (C) (i) (II).
> UMnyango wezeMpilo kanye nezinsizakalo zabasebenzi, iHhovisi loMsizi Wesekela likaHlelo nokuHlola. Izikhombandlela zeHHS zoMpofu ka-2018. NgoJanuwari 13, 2018.
> Isevisi yangaphakathi yeNgeniso. Inqubo Yokuthola Imali 2017-36 .