Ukufaneleka kokuhlomula kuncike kakhulu ekutholeni imali, kodwa kungase kube nzima
Izikweletu zentela ze-Premium-eyaziwa nangokuthi izinsizakalo-ziyingxenye enkulu "engabizi" ingxenye yoMthetho Wokunakekelwa Ongabizi. Ngokuyinhloko, zitholakale kumakhaya aphansi namaphesenti aphakathi athenga umshuwalense wabo wezempilo, futhi aqinisekisa ukuthi amaprimiyamu angaphakathi nobubanzi obhekwa njengengozi.
Kodwa empeleni, kunzima kakhulu kunalokho.
Ungasebenzisa i-calculator yomxhaso jikelele noma ikhodi yokuxhaswa etholakala kwi-Healthcare.gov noma indawo yakho yokushintshanisa kahulumeni, kodwa njalo kunemibuzo mayelana nokuthi ubani ofanelekile futhi ongekho, nokuthi indlela yokuxhaswa kwabasizi beza ngayo nemiphumela yabo.
Ukufaneleka Okungekho Emali
Nakuba imali engenayo yimbangela enkulu ekunqumeni ukufaneleka, kunezinye izici ezicatshangelwayo. Kumelwe ube khona ngokomthetho e-US ukuze uthenge ukuthunyelwa nge-exchange-subsidized noma cha.
Futhi ukuze ufanelekele umxhaso, awukwazi ukufinyelela ohlelweni lwempilo oluxhaswe ngumqashi olunikeza inani eliphansi futhi libhekwa njengokungabizi. Ngonyaka we-2016, "okungabizi" kuchazwa njengokungabikho okungabizi ngaphezu kwamaphesenti angama-9.66 omholo wekhaya (lokhu kuzokwanda kancane, kube ngu-9.69%, ngo-2017).
Kodwa kubalulekile ukuqonda ukuthi lokhu kuhlolwa kwezezimali kusebenza kuphela kwi-premium yomsebenzi.
Uma ukutholakala komndeni kutholakala ngohlelo oluxhaswe ngumqashi, i-premium eyakhokhelwa imali yonke yomndeni ayicatshangelwa uma kunqunywa ukuthi uhlelo lokuxhaswa ngumqashi lungabizwa yini noma cha.
Ngakho-ke uma i - premium yomsebenzi ingaphansi kwamaphesenti angama-9.66 emali engenayo, futhi uma uhlelo lomqashi luyatholakala kulowo wonke umndeni, wonke umndeni uthathwa ukuthi unokuthola "umshuwalense wezempilo okhokhelwa umqashi" ongenayo imali (ngakho-ke akukho noyedwa wabo bayakufanelekela ukuthola izinsizakalo ekushintsheni), naphezu kokuthi i-premium yomndeni wonke kungenzeka ibe ngaphezu kwama-9.66% weholo.
Inqolobane Engaphansi Yezinsizakalo Elinganiselwe Nguhulumeni
Ngenkathi i-ACA ibhalwa, uhlelo lwalufanelekile ukufaneleka eMedicaid kuzo zonke izifundazwe ukuba zenyuke kufinyelele ku-138% wezinga lobuphofu kusukela ngo-2014, futhi ukuze izinsizakalo ze-premium ziqale kulowo mkhawulo futhi zande ngamaphesenti angaba ngu-400 obukhulu bobuphofu. Ngokuyinhloko, wonke umuntu onomholo kusuka ku-zero kuya kumaphesenti angama-400 wezinga lobuphofu uzokwazi ukuthola ukutholakala kwezempilo okungabizi.
Kodwa lapho iNkantolo Ephakeme inqume ngo-2012 ukuthi amazwe angakhetha ukukhuliswa kwe-Medicaid, kubangele izinkinga. Kwakungekho nhlobo ku-ACA yokwandisa izinsizakalo ezingaphansi kwamaphesenti angama-100 ezinga lobuphofu, futhi lokho kusekhona (ngokusobala, kwakuyi-glitch eyabhalwa phansi eyenza ukuthi umgwamanda ophansi wokufanelekela ukuxhasoza kube ngamaphesenti angu-100 obuphofu-esikhundleni Amaphesenti ayisishiyagalolunye ayisishiyagalolunye (6%) ompofu-okusho ukuthi ekugcineni awusandisi iMedicaid).
Kusukela ngoJulayi 2016, kunezinhlobo ezingu-19 lapho ukunyuswa kweMedicaid kungakafiki khona. Ukwandisa kwaqala ukusebenza eLouisana ngoJuni 2016, kodwa ngenye indlela, ibalazwe lokunweba lokusabalalisa libukeka lifana nalokho okwenzile ekupheleni kuka-2015.
I-Wisconsin inikeza ukuxilongwa kwe-Medicaid kuwo wonke umuntu ohola imali engamaphesenti angama-100 ompofu, kodwa kwezinye ezingu-18 uthi, kukhona igebe lokufakazela abantu abadala abanemali engaphansi kwezinga lobuphofu-bafanelekela kuphela iMedicaid uma befanelekile ngokusekelwe emphakathini wabo okhona , ngokujwayelekile kakhulu, iziqondiso, futhi azifanelekeli izinsizakalo ze-premium uma izindleko zomndeni wazo zingaphansi kwezinga lobuphofu.
Emazweni lapho uMedicaid engakaze wanda khona , ukufaneleka kokuhlomula kwe-premium kuqala ngobuphofu. Ngonyaka ka-2016, lokho kungu-$ 11,880 kumuntu oyedwa kanye no-$ 24,300 kumndeni wezine. Abantu abangaphansi kwalesi sigaba sokuthola imali ngokuvamile abanakho ukufinyeleleka okungokoqobo kokufinyelela.
Emazweni lapho i-Medicaid isandisiwe khona , ukufaneleka kokuhlomula kwe-premium kuqala ngemali engaphezulu kwama-138% wezinga lobuphofu. Ngonyaka ka-2016, lokho kuyi-$ 16,394 engumuntu oyedwa kanye no-$ 33,534 kumndeni wezine. Abantu abanemali engaphansi kwelizinga bayakufanelekela i-Medicaid.
Yiziphi Izinkomba Zompofu Zonyaka Ozisebenzisayo?
Esinye isici sokubala esingase sidideke sinquma ukuthi yimiphi imihlahlandlela yezinga lokuhlupheka lomnyaka okufanele isetshenziswe.
Unyaka ngamunye, uhulumeni wesifundazwe uvuselela imihlahlandlela yezinga lobuphofu ngasekupheleni kukaJanuwari. Kubalulekile ukuphawula ukuthi kunezintafula ezintathu ezihlukene: enye ye DC kanye namazwe angu-48 ahambisanayo, elinye i-Alaska, neyesithathu eHawaii (ngakho ukufaneleka koxhaso eHawaii nase-Alaska kufinyelela kwimali ephakeme kunayo yonke izwe , kanye nokufaneleka kukaMedicaid kufinyelela nakwezinga eliphakeme kulawo mazwe, njengoba bobabili banwebe iMedicaid).
Ngokushesha nje lapho imihlahlandlela entsha yezinga lobuphofu iphuma, isetshenziselwa lonke unyaka-futhi kuze kukhishwe imihlahlandlela yonyaka olandelayo-ukuthola ukunakekelwa kwe-Medicaid ne-CHIP.
Kodwa ukuze kulungele ukukhokhelwa kwemali ephansi, asiqali ukusebenzisa izinkombandlela ezintsha zezinga lobuphofu kuze kufike ukubhaliswa okuvulekile ekwindla. Esikhundleni salokho, siyaqhubeka ukusebenzisa izinkombandlela zezinga lobuphofu ezazikhona lapho ukubhaliswa okuvulekile konyaka wamanje kuqala. Ngakho-ke, amacebo ngezinsuku eziphumelelayo ezingu-2016 zatholakale ukuthengwa lapho ukubhaliswa okuvulekile kuqalile ngoNovemba 1, 2015. Ngaleso sikhathi, imihlahlandlela yezinga lobuphofu manje ikhona ngo-2015. Ngakho-ke iyaqhubeka isetshenziselwa ukunquma ukufaneleka koxhaso kuzo zonke izinhlelo Izinsuku eziphumelelayo ezingu-2016.
Lokhu kusho ukuthi uma ubhalisa ohlelweni ngosuku olusebenzayo lwango-2016 ngenxa yomcimbi ofanelekile , ukufaneleka kwakho ukuxhaswa kuzoxhomeka ekutheni umholo wakho ulinganisa kanjani nemihlahlandlela yezinga lobuphofu ngo-2015 (okungukuthi, izinsizakalo ngeke zitholakale umndeni wabantu abathathu uma imali yabo engenayo idlula u-$ 80,360, okungamaphesenti angama-400 ezingeni lobuphofu lika-2015).
Uma ubhaliso oluvulekile luqala ekupheleni kuka-2016 ukuze izinhlelo ziphumelele ngo-2017 , ukuhwebelana kuzoshintshela emihlahlandlela yezinga lobuphofu ngo-2016 ekhishwe ngasekupheleni kukaJanuwari 2016. Kodwa ngoNovemba, ukubhaliswa kuzobe kutholakala ngosuku olusebenzayo lwangoDisemba 2016 abhalisa ngenxa yesenzakalo esifanelekayo. Kubo, izinombolo zezinga lobuphofu ngo-2015 zizosebenza.
I-Top-Income Threshold ixhomeke ukuthi ingakanani Imali Yakho Yokuhlela
Izinsizakalo ze-Premium zitholakala ngokubhaliwe kubhalisile abahola imali engamaphesenti angaba ngu-400 ezinga lobuphofu. Kodwa lokho akusho ukuthi bonke abhalise ngemali engenayo kuze kube yilelo mbundu bafaneleke ngempela ukuthola izinsizakalo ze-premium.
Lokhu kungenxa yokuthi izinsizakalo ze-premium zenzelwe ukugcina izindleko zesipiliyoni seSiliva esabiza kakhulu esiphansi noma ngaphansi kwephesenti elinqunyiwe langaphambili lemali engenayo yomfakisicelo (iphesenti iyahluka kuye kuye ngemali engenayo), ucabanga ukuthi imali engenayo ayidluli kuma-400% wezinga lobuphofu.
Kodwa uma i-premium engasetshenzisiwe yecebo lesibili eliphansi kunawo wonke leSiliva elikhona kuwe selivele lingaphansi kwephesenti elinqunyiwe langaphambili lemali engenayo, akukho mxhaso odingekayo. Lokhu kwenzeka ikakhulukazi lapho abantu behlala ezindaweni ezinomshwalense wempilo ephansi, kanye nabafakizicelo abancane. Ngakho-ke akuyona into engavamile ukuba abantu abasha bathole ukuthi abafaneleki ukuthola izinsizakalo ze-premium ngisho nemali engenayo engaphansi kwamaphesenti angama-400 ezinga lobuphofu.
Zonke Ukuxhaswa Kumele Kuhlanganiswe Lapho Ufaka I-Return Tax Tax
Izinsizakalo ze-Premium nazo ziyaziwa ngokuthi izikweletu zentela ezingaphambilini (APTC). Lokhu kungenxa yokuthi inkokhelo empeleni inkokhelo yentela, futhi uma ikhokhwa kumphathi wakho womshuwalense wezempilo ngenyanga ngayinye ukwehlisa inani okufanele ukhokhe emahoyisimini, ukhokhiswa kusengaphambili, kunokuba kufike isikhathi sokufaka intela.
Ngokuvamile izikweletu zentela azikwazi ukumangalelwa kuze kube yilapho ufaka intela yakho ngemuva kokuphela konyaka, kodwa lokho ngeke kusebenze kahle kulokhu ngoba abantu abaningi bangathola amaphrimiyamu abo angenakulungiswa ngaphandle kwe-APTC.
Uma i-APTC ikhokhwa ngenxa yakho ngonyaka, wena-ne-IRS- uzothola Ifomu 1095-A kusukela ekushintshaneni ngoJanuwari. Uzosebenzisa ulwazi olufomu ukuze uvumelanise i-APTC yakho nekhredithi yentela ye-premium enenelungelo lokuyikhokha , uma imali yakho engenayo isiphelile ngonyaka.
Imithombo:
UMnyango wezeMpilo kanye Nezinsizakalo Zabantu, iHhovisi loMsizi Wezinhlelo Zokuhlela Nokuhlola, Izinkombandlela Zobuphofu njengoba ngo-1/25/2016.
Insizakalo yangaphakathi yeRevenue, Inqubo Yokuthola Imali 2014-62 .
Insizakalo yangaphakathi yeRevenue, Inqubo Yokuthola Imali Yonyaka 2016-24 .