Indlela Yokugwema Isijeziso Somthwalo Wokwabiwa Kwamalungelo Omuntu ngamunye
Uma ungafuni ukukhokha intela yezinhlawulo, kufanele ube nomshuwalense wezempilo noma ufanelekele ukukhululwa kwesigwebo somuntu ngamunye . Enye yezinhlinzeko zoMthetho Wokunakekelwa Okunakekelwayo , umyalo ngamunye , ubeka abantu icala ngaphandle kwenkokhelo yezempilo ngokubenza bakhokhe intela yentela ebizwa ngokuthi ukukhokhwa kwemfanelo okwabiwe . Kunezindlela ezimbili kuphela ezizungeze le nhlawulo:
- Yiba nomshuwalense wezempilo obhekwa njengobuncane bokubaluleka okubalulekile, noma
- Ilungelo lokukhululwa kwesigwebo.
Ubani Okhululwa Esijezisweni Somuntu Ngamunye?
Kungenzeka ukuthi ukhululekile kumyalelo womshuwalense wezempilo womuntu ngamunye uma:
- Awukho e-United States ngokomthetho, OR uhlala ikakhulu ngaphandle kwe-US (okungenani izinsuku ezingu-330 ngonyaka)
Lokhu kusebenza futhi uma uhlala eGuam, i-American Samoa, Iziqhingi ZaseNyakatho ZaseMariana, i-Puerto Rico, noma i-US Virgin Islands, futhi awunakho uxhumano olwedlulele ne-United States noma izwe langaphandle kunewe-US ifa lapho ucela khona ukuhlala. - Ejele noma etilongweni, ngaphandle kokuthi uboshiwe ukuboshwa kwamacala.
- Ungumuntu waseNew Alaskan noma ilungu le-Tribe yamaNdiya.
- Yiba nenzuzo encane eyanele yokuthi awudingi ukufaka intela yentela
Ungakanani imali ongayithola ngaphambi kokuba udinge ukufaka intela yentela? Ngo-2016, abantu ngabanye bangathola imali engu- $ 10,350 ngaphambi kokuba bafake, futhi imibhangqwana ingathola imali engu-R20,700. Kodwa, lishintsha njalo ngonyaka. Uma ungathanda ukwazi umbandela wokufaka kunoma yimuphi unyaka othile, utholakala encwadini ye-IRS engu-501 yalowo nyaka, ongayithola kwi-webhusayithi ye-IRS Amafomu kanye nosesho.
- Unokuphikisana nenkolo kumshuwalense
Ukuze ufanelekele lokhu kukhululwa:- Kumelwe ube yilungu lehlelo elihlonishwayo lenkolo.
- Kumele usule zonke izinzuzo zakho zokuphepha kwezenhlalakahle.
- IKhomishinari yezokuThuthukiswa koMphakathi kufanele ivume ukuthi inkolo yakho imelene nomshuwalense ngezinto ezifana nokufa, ukukhubazeka, nokunakekelwa kwezempilo.
- Ikhomishinari kumele ithole ukuthi amalungu enkolo yakho enze amalungiselelo okuhlinzeka ngamalungu abo axhomekile ngoba abasebenzisi umshwalense njengenhlanhla yokuphepha.
- Ihlelo kumele libe khona njalo kusukela ngoDisemba 31, 1950
- Ingabe ilungu lenkonzo yokwabelana ngezempilo.
Ukunakekelwa kokunakekelwa kwezempilo kunamaqembu asekelwe enkolo abantu abasizana ngokukhokha izikweletu zezokwelapha. Ungafunda kabanzi mayelana nezinsizakalo zokunakekelwa kwezempilo ezivela ku-Alliance of Health Care Sharing Ministries. Ukuze ukhululeke esinqumweni somuntu ngamunye, inkonzo yakho yokwabelana ngezempilo kumele ibe khona kusukela ngo-12/31/1999, nakuba amalungu amasha angajoyina noma nini. Ukwengeza, ukuhlolwa kwamabhuku okusebenza ngonyaka wonyaka kufanele kutholakale emphakathini. - Ayikwazi ukukhokhela ukukhishwa
Ukuze ucatshangelwe ukuthi awunakuphulukiswa , uhlelo oluphansi kunazo zonke lwezethusi endaweni yokushintshanisa endaweni yakho kumele ludle amaphesenti angaba ngu-8.05 weholo lakho lomndeni ngo-2018 (iziqondiso ezintsha kulokhu zishicilelwa njalo ngonyaka yi-IRS). I-premium isekelwe ezindlekweni eziphelele ngemuva kokukhipha imali yokukhokhelwa intela ye-premium (izinsizakalo ze-premium), ngakho-ke uma ufaneleka ukuthola izinsizakalo ze-premium, akunakwenzeka ukuthi uzokwazi ukuthola ukukhokhelwa kokukhokhela imali. Uma ungakufanelekeli izinsizakalo ze-premium, noma kunjalo, ungase ulungele ukukhishwa kokukhokhela imali. Ezindaweni ezinomshwalense obiza kakhulu, ngisho nabantu abanemali enemali enhle bangakwazi ukukhokhelwa ukukhokhelwa.
- Sihambe ngezinyanga ezingaphansi kwezintathu ezilandelanayo ngaphandle kokufakaza
Uvumelekile kuphela ukusebenzisa lesi sikhokhelo kanye ngonyaka, futhi kuphela isenzakalo sokuqala ngonyaka ngamunye sikhululwe. Isibonelo, uma ungaqinisekisiwe inyanga eyodwa ngoFebhuwari futhi emuva kwenyanga eyodwa ngo-Agasti, uzobe ukhululekile ekuhlawulweni ngoFebhuwari. Uzothola isijeziso somthwalo wabelana ngo-Agasti. Futhi igebe ekubambisweni kufanele libe isikhathi esingaphansi kwezinyanga ezintathu-izinyanga ezimbili kulungile, kodwa izinyanga ezintathu ngaphandle kokufakaza kungabangela inhlawulo yazo zonke izinyanga ezintathu. - Yiba nobunzima obukuvimbela ukuba uthole umshuwalense wezempilo
Umshwalense wakho wezempilo kufanele uthathe isinqumo sokuthi unenkinga echaphazela ikhono lakho lokuthola umshuwalense wezempilo. Ukushintshanisana kusebentisa imitsetfo nemikhombandlela kute wenze lesi sincumo. Ungafunda kabanzi, " Indlela Yokuthola Ukuxoshwa Kobunzima ."
- Uzobe ufanelekile ku-Medicaid uma isimo sakho sanda iMedicaid
Uma usesimweni esingakaze sanyusa i-Medicaid futhi isizathu esisodwa esithathwa njengesivumelekile ku-Medicaid ukuthi isimo sakho asizange sande ezinkombandlela zokufaneleka ze-ACA, uvumelekile ukukhululwa kulesi sigwebo. Lokhu kufaka phakathi abantu eNgqungqutheleni yokuPhathwa kweMedicaid (okungukuthi, ngenzuzo engaphansi kwezinga lobuphofu), kodwa lihlanganisa nabantu abanenzuzo phakathi kwamaphesenti angu-100 no-138% wezinga lobuphofu, abafanelekile ukuthola izinsizakalo ze-premium ku-exchange kodwa ngubani ozoba kufanelekile kuMedicaid uma ngabe isimo sabo samukele imali yezemali yokwandisa ukuxilongwa kwe-Medicaid. - Uyivolontiya ne-AmeriCorps, i-VISTA, noma i-National Civilian Community Corps
Lezi zinhlangano zihlinzeka ngamavolontiya abo ngomshwalense wezempilo wesikhathi esifushane ongacatshangwa njengenani elincane lokubaluleka okubalulekile futhi angeke azalise enye igunya le-ACA. Kodwa ukukhululwa kusho ukuthi ayikho inhlawulo yalezi zisebenzi zokuzithandela.
Ngithola kanjani ukukhululwa komshuwalense wezempilo?
Ukushintshaniswa komshwalense wakho wezempilo wombuso kunesibopho sokunikeza ezinye izikhwama, kanti ezinye kumele zifunwe ekubuyiselweni kwentela yakho. I-IRS inekhasi lewebhu elichaza indlela ukukhululwa ngayinye okungatholakala ngayo.
Uma uhlela ukusebenzisa i-exemption okumelwe ifakwe ekubuyisweni kwentela, ukushintshanisana kungaphendula imibuzo futhi kukusize ubone ukuthi kungenzeka yini ukuthi ufanelekele ukukhululwa. Kwezinye izimo, ukukhululwa okufanayo okufanayo kungatholakala kusengaphambili kusuka ekushintshaneni, ukugwema ukulinda kuze kube yilapho ufaka intela yakho.
Uma ukukhululwa kwakho kungenxa yokuthola imali encane eyaneleyo yokuthi awudingi ukufaka intela yentela yenzuzo, empeleni akudingeki ufake isicelo sokukhululwa; okuzenzakalelayo. Uma ubeka intela noma ngabe awudingi, isibonelo, ngoba ufuna ukuthola imali, ngeke ukhokhe intela yentela.
Angikufanelekeli ukukhululwa komshuwalense wezempilo; Ngingakugwema Kanjani Isijeziso?
Uma ungafanelanga ukukhululwa futhi awufuni ukukhokha inhlawulo, ukubheja kwakho okuhle kakhulu ekugwemeni ukuthola umshwalense wezempilo.
Uma ungasebenzi noma ungeke uthole umshwalense wezempilo ngomqashi wakho, ukukhetha kwakho okulandelayo ukuthi uzame ukushintshwa komshuwalense wezempilo wombuso wakho. Zonke izinhlelo zomshuwalense wezempilo ezithengiswa nge-exchange zizohlangabezana nemithetho yokubambisana okubalulekile. Ukushintshanisa kuzohlola futhi ukuthi ubone ukuthi ufanelekile yini kunoma yikuphi ukuxhaswa ( izikweletu zentela zama-premium noma ukunciphisa ukwabelana ngezindleko ) ukukusiza ukukhokhela ukukhokhelwa kanye / noma ukunciphisa izindleko ezingaphandle kwezimpahla ozothola uma usebenzisa impilo yakho umshuwalense.
Ngaphambi kokuthenga umshuwalense wezempilo emshwalense wezempilo wombuso wakho, funda indlela yokukhetha uhlelo lomshuwalense wezempilo olufanele kakhulu izidingo zakho zezempilo kanye nesabelomali sakho .
Imithombo:
I-Alliance of Health Care Sharing Ministries
> Isevisi yangaphakathi yeNgeniso. Ukuhlinzekwa ngabomunye ngabanye Ukuhlinzekwa - Ukubika nokubala Ukukhokha.
> Isevisi yangaphakathi yeNgeniso. Inqubo Yokuthola Imali 2017-36 .
I-Legal Information Institute. I-US Code 5000A (Imisebenzi Yokunakekelwa Engenayo).