Ukwandiswa kwezidakamizwa kanye nezinsizakalo ze-ACA zixhomeke kwimali engenayo, hhayi izimpahla
Ukuxhaswa kwe-premium ye-Affordable Care Act's (ACA) (ukukhishwa kwentela ye-premium) akunayo ukuhlolwa kwefa. Futhi ukwanda kwe-Medicaid ngaphansi kwe-ACA. Kuzo zombili izimo, ukufaneleka kuvele kusekelwe engenayo. Akunandaba ukuthi imali eningi abantu abanayo ebhange noma emakethe yamasheya, noma ukuthi izindlu zabo zifanele kangakanani. Usizo olutholakala nge-Medicaid olwandisiwe noma uxhasomali lwe-premium luncike kuphela kumholo wonyaka.
Ukwandiswa kwe-Medicaid
Esifundeni sase-Columbia nasezikhulwini ezingu-31 eziye zandisa i-Medicaid, ukutholakala kwe-Medicaid kuyatholakala ukuze kubhalise imali engenayo yemindeni kuze kube ngu-138% wezinga lobuphofu. Umkhawulo wokuthola umuntu oyedwa ungamaRandi angu-16,753 ngo-2018, kodwa njengoba izinga lobuphofu landa ngaphezu kwesikhathi, umkhawulo ophezulu wokuthola imali wokufaneleka we-Medicaid wandisa futhi (ukuhlolwa kwefa kusetshenziselwa ukufaneleka kweMedicaid kwezinye izimo-ngokwesibonelo, abantu abadala asebekhulile emzini okhulelwe okhokhelwa yi-Medicaid).
Ezingu-18 kwezinye ezingu-19 (zonke kodwa i-Wisconsin), kunabantu abangaba yizigidi ezingu-2.4 abasesigabeni sokungena, abangenakho ukufinyelela okungokoqobo kwomshuwalense wezempilo-abafanelekeli i-Medicaid, futhi imali yabo engenayo iphansi kakhulu izinsizakalo ze-premium, ezingenwe ngaphansi kwezinga lobuphofu.
Izimali zentela ye-Premium (aka, izinsizakalo)
Ezizweni ezingazange zandise i-Medicaid, ukufaneleka kwezibonelelo ze-premium ku-exchange kuqala ngobumpofu, futhi kufinyelela ku-400% wezinga lobuphofu.
Ezizweni eziye zandisa i-Medicaid, ukufaneleka kwezibonelelo ze-premium kuqala lapho ukufaneleka kwe-Medicaid kuqeda (138% wezinga lobuphofu) futhi kufinyelela ku-400% wezinga lobuphofu.
Emndenini wezine, u-400% wezinga lobuphofu njengamanje ayizigidi ezingama-98,400 ngonyaka wemali engenayo. Ekhaya lamabili, kungu-$ 64,960 emali engenayo yonyaka.
Kubalulekile ukuphawula ukuthi abanye abafaki izicelo abafaneleki ukuthola usizo, nakuba banenzuzo engaphansi kuka-400% wezinga lobuphofu. Lokhu kuyiqiniso ikakhulu kubantu abasha (ama-premium abo aphansi ngenxa yobudala bawo) nabantu abahlala ezindaweni lapho amaphrimiumende angaphambi kokubambisana aphansi kakhulu.
Kodwa wonke umuntu onenzuzo engenayo kuze kube ngu-400% wezinga lobuphofu (ngaphandle, ngeshwa, abantu esikukhulunywe ngaye ngenhla), i-ACA iqinisekisa ukuthi uhlelo lweSiliva eliphansi kakhulu olubiza kakhulu ngeke ludinge ngaphezu kwe- amaphesenti anqunyiwe weholo lawo.
Yini ebaluleke njengenzuzo?
Ukufaneleka kwe-Medicaid eyandisiwe kanye nokuxhaswa kwe-premium ngaphansi kwe-ACA kuxhomeke ekutholeni okuphelele okulungisiwe (MAGI). Futhi kukhona i -MAGI eqondene ne-ACI . Uqala ngemali engenayo engalungisiwe (i-AGI), okuyinto umugqa 37 kwiFomu 1040 (Umzila 4 kuFomu 1040EZ, no-Line 21 kwifomu 1040A).
Khona-ke kukhona izinto ezintathu okumelwe zengezwe ku-AGI yakho ukuze uthole i-MAGI yakho inqume ukusizwa kanye nokufaneleka kwemithi. Uma unayo imali engenayo kunoma iyiphi yale mithombo, kufanele uyifake ku-AGI yakho (uma ungenayo engenayo kunoma iyiphi yale mithombo, i-MAGI yakho ilingana ne-AGI yakho):
- Imali engenayo engenayo intela yezokuHlaliswa koMphakathi
- Imali engenayo yentando yenzuzo yentela (isibonelo, uma unesibopho somasipala esivela intela)
- Izindleko ezingenayo zangaphandle nezindleko zezindlu kwabaseMelika abahlala phesheya
Ukufaneleka kosizo lwakho (kanye nokufaneleka kweziMedicaid emazweni angu-31 okwandise iMedicaid) kuxhomeke ku-MAGI yakho. Kodwa ayikho ukuhlolwa kwefa.
Abanye abaphikisana ne-ACA baye bakhala kabi, bekhononda ngokuthi abantu abanezigidigidi zezimali zokutshala izimali bangathola izinsizakalo ze-premium ekushintsheni. Lokhu kuyiqiniso, nakuba imali yokutshala imali ngaphandle kwe-akhawunti ekhokhelwa intela (401k, IRA, HSA, njll) ibalwa njengengeniso yonyaka. Ngakho umuntu oyedwa ongasebenzi kodwa ohola imali engu-$ 50,000 ngemali yokutshala izimali phakathi nonyaka ku-akhawunti engakhokhiswayo angeke afanelekele ukukhokhelwa kwe-premium ekushintsheni (umkhawulo ongenhla okwamanje u-$ 48,240 umuntu oyedwa).
Ikhefu lentela yomshuwalense wezempilo yinto evamile
Kodwa kubalulekile ukuqaphela ukuthi izinsizakalo ze-ACAs premium ziyisikweletu sentela kuphela. Kubantu abathola umshuwalense wabo wezempilo kusuka kumqashi-okungukuthi iningi labantu baseMelika abangewona asebekhulile-bekulokhu kunezikhalazo ezibalulekile zentela. Ingxenye yamaphrimiyamu akhokhelwe umqashi ayinxephezelo yerhafu yomsebenzi. Futhi ingxenye ye-premium ekhokhwa yisisebenzi yi-payroll ethathwe ngaphambi kwentela.
Akukaze kube khona ukuhlolwa kwezinto ezibonakalayo-noma ukuhlolwa kokuthola imali yalolu daba-ngaleli lungiselelo.
Ngakolunye uhlangothi, amaphrimiyamu yomshuwalense wezempilo ngabanye abakhokhelwa intela kuphela kubantu abaqashile. Abantu abazithengile ngokwabo kodwa abaziqashile (isib. Basebenzela umqashi onganikeli ukukhokhela) bangabandakanya amaphrimiyamu omshwalense wezempilo ezinkampanini zabo zokwelapha zonyaka, kodwa kuphela izindleko zezokwelapha ezidlula amaphesenti angu-7.5 inzuzo ingadalulwa. Lesi sikhwama sizokhula sibe ngamaphesenti angama-20 ngo-2019. [Kwakujwayele ukuba ngamaphesenti angu-7,5, kodwa i-ACA yayikhulise kumaphesenti angu-10 kusukela ngo-2017. Nokho, uMthetho we-Tax Cuts and Jobs, owasungulwa ngoDisemba 2017, wehlisa umbubhe emuva ku-7.5 amaphesenti ka-2017 no-2018.]
Manje ukuthi i-ACA inikeza izinsizakalo ze-premium kubantu abayizigidi eziningana nomshuwalense wezempilo ngamunye, ngokuyinhloko yenzelwe insimu yokudlala ngokwezinzuzo zentela kubantu abathengisa umshwalense wabo wezempilo nabantu abathola umshwalense kumqashi (nakuba abantu abahola ezingaphezu kwezingu-400% zezinga lobuphofu futhi zithengise umshwalense wabo wezempilo zisezingeni elibi lokukhokha intela uma kuqhathaniswa nabalingani babo abathola umshuwalense wezempilo oxhaswe ngumqashi).
Umuntu onamaRandi ayizigidi ezilondolozwe kodwa imali engu-30,000 / ngonyaka kuphela engenayo (noma imali engenayo yokutshala imali noma imali engenayo emsebenzini, noma inhlanganisela yalaba ababili) ingazuza ku-akhawunti ye-ACA yentela ye-premium. Abanye abaphikisana ne-ACA baye balila ukuthi lokhu kungalungile, nokuthi kusetshenziselwa "ukungena" ku-ACA.
Kodwa uma lo muntu ofanayo esebenzela umqashi owanikeze umshuwalense wezempilo, uzobe ethola isinxephezelo semali engenayo yentela ngendlela yokuqashwa komqashi kuma-premium, futhi uzobe ekhokha ingxenye yakhe yamaphrimiyamu nge-dollar engaphambi kwentela. Angase akhokhe imali engu- $ 100 noma njalo ezinyangeni eziyizinyanga ngayinye (noma azikho lutho, kuye ngokuthi umqashi wakhe ukhululekile kangakanani). Kodwa nokho lokhu kungavamile ukuthi kubonakala sengathi kuyisici, futhi kubonakala sengathi abantu abacebile "basebenzisa" inqubo.
Uma kubhekwa kulokhu kubheka, izikweletu ze-premium ze-ACA zivele zasiza ukubeka umshuwalense wezempilo ngamunye ngokuhambisana nomshuwalense wezempilo oxhaswe ngumqashi. Futhi yebo, baye benza ukuthi abantu abangaphansi kuka-65 bangenele emsebenzini wabo, umsebenzi wesikhathi sesikhathi, noma umhlalaphansi ngaphambi kokuthatha umhlalaphansi, ngaphandle kokuba bakhathazeke ngokuthi amaphrimiamu omshuwalense wezempilo azodla konke okulondolozwe ngaphambi kokuba sifinyelele eminyakeni yobuMedare.
> Imithombo:
> Congress.gov. I-HR1, uMthetho wokuKhipha Imali kanye Nemisebenzi. Yenzelwe 12/22/2017.
> UMnyango wezeMpilo kanye nezinsizakalo zabasebenzi. Ihhovisi likaMnumzane uNobhala Wezokuhlela Nokuhlola. Izinkombandlela zobumpofu. Izinkombandlela zaseNtshonalanga ze-US ezisetshenziselwa ukucacisa ukufaneleka kweziNhlelo ezithile zikahulumeni.
> I-Nternal Revenue Service. I-Premium Tax Credit-Izisekelo.