Kukhona Isijeziso Ngonyaka ka-2017, Nakuba Abaphathi be-GOP Bafuna Ukuyiphinda
Esinye sezici eziphambene kakhulu eMnyangweni Wokunakekelwa Onganakekelwayo ngumnikelo wokubambisana okwabelwana ngawo, ovame ukubhekwa njengesijeziso somuntu ngamunye. I-ACA idinga abantu abaningi ukuba bagcine umshuwalense wezempilo noma bakhokhele inhlawulo.
Lokhu kwabamba abantu abathile lapho befaka imali yabo yentela ka-2014 - bathola indlela enzima lapho beqaphela ukuthi babenecala lokungazange babe nomshuwalense wezempilo ngo-2014.
Njengoba ukubhaliswa okuvulekele ngo-2015 sekuphelile ngaphambi kokuba abaningi baseMelika bethule intela yabo yentela ngo-2014, uhulumeni unikeze isikhathi sokubhalisa esikhethekile esisodwa entwasahlobo ka-2015, okuvumela abantu ithuba lokubhalisa ngo-2015 uma bebevele befunda mayelana isigwebo lapho befaka intela yabo.
Ngalesi sikhathi, phakathi nomnyaka wesithathu ogcwele we-ACA ukuqaliswa kanye phakathi kwemizamo ye-GOP yokuqeda nokubeka i-ACA esikhundleni, ukuqwashiswa kokuhlinzekwa komsebenzi okwabelwana ngawo kuphakeme kakhulu kunokuba bekukhona ngaphambi kuka-2014. Kodwa kusekhona ukudideka okukhulu mayelana nokuthi sinhlawulo kangakanani nokuthi kuyoba yikhona esikhathini esizayo, ecabanga ukuthi ayichithwanga.
Isijeziso esiphezulu ngo-2014 sasingu-$ 200
I-IRS ibike ukuthi umfaki wentela ojwayelekile obolekwa umthwalo wemfanelo owabelwana ngawo ukuhlawuliswa ngo-2014 wayenani lemali elinganiselwa ku-$ 200. Lokhu kusekelwe eqinisweni ukuthi inhlawulo ngo-2014 yayingaphezu kuka-$ 95 kumuntu omdala ongaqinisekisiwe (isigamu leso semali yengane), noma u-1% wemali engenayo yasendlini ngaphezu kwesibopho sokufaka intela.
Isigwebo esiphezulu ngo-2015 sasingu-$ 470
Isijeziso sasiphakeme kakhulu kubantu abahlala bengagunyaziwe ngo-2015. I- IRS ibike ukuthi umfaki wentela ojwayelekile obolekwa umthwalo wemfanelo owabelwana ngawo ukuhlinzekwa isigwebo sika-2015 wayenani lemali elilinganiselwe elingamaphesenti angama-470-ngaphezulu kunokuphindwe kabili isigwebo esivela ngonyaka odlule.
Kodwa izindaba ezinhle ukuthi abantu abambalwa babhekene nesigwebo ngo-2015. I-IRS ibike ukuthi abafaki bezicelo ezibekwe izigidi ezingaba ngu-6.5 bakhokhela inkokhelo ekubuyiselweni kwabo kuka-2015, ngokuphathelene nezigidi ezingu-7.5 ababolekwa inkokhelo ekubuyiseni kwabo ngo-2014.
Ijeziso lilindelwe ukuba libe ngu-$ 1,000 ngonyaka ka-2016
Ijeziso likhuphuke ngokuphindaphindiwe kubantu ababengenayo umshuwalense wezempilo ngo-2016. Kubantu abangaqinisekisiwe ngo-2017, inhlawulo ihlala ezingeni elifanayo kwaba ngo-2016.
Isikhathi sokufaka intela sonyaka ka-2016 sesiphelile, kodwa ngeke sazi ncamashi ukuthi isijeziso esiphezulu sonyaka ka-2016 sasiyize kuze kube sekugcineni i-IRS iqede idatha. Kodwa singalinganisa, futhi izilinganiso ziqinisekisa ukuthi abantu abahlala bengagciniwe ngo-2016 babhekene nezinhlawulo ezinkulu lapho befaka izintela zabo zentela ezingu-2016 kunokuba babhekene nazo eminyakeni eyandulela.
Ukuhlaziywa kwe-Kaiser Family Foundation ka-Disemba 2015 kulinganise ukuthi ukuhlawuliswa okujwayelekile ngonyaka ka-2016 kuzoba yizigidi ezingu-969 zomndeni wentela kubantu abahlala bengagunyaziwe ngo-2016 futhi babe "indawo emakethe efanelekayo" (kwalelo qembu, ukuhlaziywa ngaphandle kwabantu abakufanelekela iMedicaid, igebe lokumboza ngoba izifunda zabo azange zandise iMedicaid, noma zifanele ukuthola ukukhokhelwa kwabaqashi babo).
Ngakho isijeziso esiphezulu se-2016 senzelwe ukuthi sibe cishe ama-dollar ayizinkulungwane, futhi asithengi lutho nhlobo ...
Abantu abafanele ukuhlawuliswa namanje abaqinisekisiwe futhi abanakho inetha lokuphepha uma bephela badinga ukwelashwa okuphawulekayo phakathi nonyaka.
Inani lesikweletu langempela lihlukahluka kuye ngokuthi usayizi womndeni kanye nengeniso (ungakwazi ukubala isijeziso sesimo sakho esithile), kodwa ukubalwa okusetshenziselwa ukucacisa isigwebo ngo-2015 no-2016 kubangele ukujeziswa okuphelele kakhulu kunezingu-2014:
- Ngonyaka ka-2015, inhlawulo yayingaphezu kuka-$ 325 umuntu omdala ongaqinisekisiwe kanye no-$ 162.50 ngengane engaqinisekisiwe (kuze kufike ku-$ 975 kwendlu ngayinye), noma u-2% wemali engenayo yasendlini ngaphezu kwesibopho sokufaka intela.
- Ngonyaka we-2016, inhlawulo yayingaphezu kuka-$ 695 umuntu omdala ongaqinisekisiwe kanye ne-$ 347.50 yengane ngayinye engaqinisekisiwe (kuze kufinyelele ku-$ 2,085 umndeni ngamunye), noma 2.5% yengeniso yomndeni engaphezu kwesibalo sokufaka intela.
- Kusukela ngo-2017, isaphulelo sezinga eliphansi lishintshelwa ekukhuleni kwamandla emali, kepha i-2.5% yenhlawulo yengeniso yasemakhaya ihlala kuleso sizinga siya phambili. Kodwa ngo-2017 kuphela, i-IRS iqinisekisile ukuthi bekungeke kube nokulungiswa kwemali yentengo ye-flat rate penalty. Ngakho isijeziso sokungaqinisekisiwe ngo-2017 sinjalo nango-2016.
- Ukucabanga ukuthi i-ACA yesikhokhelo sokugunyazwa ngabanye asikhiphi, abantu kufanele balindele ukulungiswa kwemali ephansi kwesigwebo samanani ka-2018 (okungukuthi, kuyoba ngaphezu kuka-$ 695 ngomuntu ngamunye), kodwa i-2.5% yenhlawulo yokuthola imali izohlala isendaweni.
Isijeziso sithathwe ekubuyiselweni imali
Uma uthola ukubuyiselwa kwemali kusuka ku-IRS ngesikhathi sokukhokha intela, isijeziso somthwalo esabelane ngaso sizosuswa ekubuyiselweni kwakho kwemali. Abashayeli bamakhokhi angu-80% bathola ukubuyiselwa kwembuyiselo, okuye kwaba ngu-$ 2,800 eminyakeni yamuva - okungaphezulu kokwanele ukumboza inhlawulo ejwayelekile ekhokhwa abenzi bezintela ezingasetshenziswa.
Gcwaliswa endaweni
Uma ungaqinisekisiwe futhi ucabange uhlala ngaleyo ndlela, qinisekisa ukuthi uyazi ukuthi inhlawulo yakho iyoba nini uma ufaka intela yakho ngonyaka olandelayo. Ikakhulukazi uma ufanelekile ukuthola imali eyinzuzo nge-exchange, ungathola ukuthi inani lesigwebo ozobe ukhokhela ngalo lingakwanela ukumboza izinyanga ezimbalwa zemishanguzo yomshuwalense wezempilo-kunokuba ukhokhele inhlawulo futhi ungatholi lutho nhlobo ngokubuyisela.
Bhalisa nge-exchange uma ufaneleka ukuthola umxhaso, noma uma ucabanga ukuthi kunethuba ukuthi imali engenayo ingakwenza ube ngumxhaso ofanelekile esikhathini esilandelayo ngonyaka. Kodwa uma uqinisekile ukuthi awunalo ithuba lokuthi uzokwazi ukuthola imali ekhokhelwa imali ye-premium, ungase uphinde ucabangele izinhlelo zokushintshanisa ngaphandle (izinsizakalo zitholakala ekushintsheni uma imali yakho engenayo ingadluli ezingeni le-400% lezinga lobuphofu, $ 98,400 emndenini wezine).
Ingabe i-ACA Penalty izoqhubeka ikhona?
Ngesikhathi, kusekhona isigwebo sokungaqinisekiswa ngo-2017 . Kodwa i-American Health Care Act (AHCA), eyadlulisela iNdlu ngoMeyi 2017 futhi iphinde icatshungulwe eSenate , izoqeda inhlawulo ngokuphindaphindiwe ekuqaleni kuka-2016.
Uma ngabe lowo mthetho wawuzobekwa, i-IRS izobuyiselwa imali eyayiqoqwa ngesikhathi sokufaka intela yentela ka-2017, ngoba labo bahlolwe kubantu abangenakho ukuhlanganisa ngo-2016. Ngokwehhovisi le-Congressional Budget, ukuchithwa okubuyiselwayo ukuhlawuliswa komuntu ngamunye kungabangela abantu abangaba yizigidi ezingu-1 beyeka ukuthengiswa emakethe ngayinye ngo-2017, futhi inani labantu abayizigidi eziyisishiyagalombili ababhalisela ukuthengiswa kwamakethe ngo-2018.
Ngenxa yalokho, i-CBO iphinda iqikelele ukuthi amaphrimiyamu e-inshuwalense yempilo emakethe ngayinye yayiyokhuphuka ngamaphesenti angu-20 ngo-2018 (ngaphezu kwanoma yikuphi ukukhuphuka ababengayibona ngaphansi komthetho wamanje), ngoba abantu abazovama ukwehla ama-enrollees enempilo ayadingeka ukuze kuqinisekiswe indawo yokufaka ingozi.
> Imithombo:
> Ihhovisi le-Budget ye-Congressional, i- HR1628, uMthetho wezeMpilo waseMelika ka-2017, Ukuhlaziywa Kwezindleko . Ngo-May 24, 2017.
> Insizakalo yangaphakathi yeNgeniso, Inqubo Yokuthola Imali Yonyaka ka-2016-55 .
> Kaiser Family Foundation, Izindleko Zesijeziso Somuntu Ngamunye Wokuhlala Uninsured. Ngo-Disemba 9, 2015.