Okudingeka Ukwazi Ngokwe-Tax deduction yezindleko zezokwelapha
Ulungiselela intela yakho engenayo? Cishe ubheka ukukhishwa kwentela amaningi ngangokunokwenzeka. Ukunakekelwa kwezokwelapha kuyabiza, ngakho-ke uma ungabhala izindleko zokunakekelwa kwezempilo , ungase unciphise imali yakho yentela.
Noma kunjalo, imithetho ye-IRS iyinkimbinkimbi futhi ichazwe kabanzi. Udinga ukuqonda ukuthi izindleko zezokwelapha zinikwe intela, yiziphi izinhlobo zezindleko ezikhishwayo, nokuthi ngabe unayo izindleko zokwelapha ezikhokhelwa intela okwanele ukuze uzuze isikhathi sakho.
Izindlela ezimbili zokubhala Izindleko Zezokwelapha
Izindlela ezimbili zokubhala izindleko zezokwelapha yizi:
- Batshele njengokwehliswa kwentela uma ubeka imali yakho.
Yiyo indlela iningi labantu elizobhala ngayo izindleko zabo. Kufanele usebenzise iShedyuli A yeFomu 1040. Uma uthatha ukukhishwa okujwayelekile kunokuba uzenzele ukukhipha imali yakho, awukwazi ukubhala izindleko zakho zezokwelapha ngaphandle kokuthi uvumelekile ukusebenzisa indlela yesibili. - Batshele njengenguquko ekutholeni kwakho.
Lokhu kunciphisa imali yakho engenayo ehlelekile eyenziwe kubonakala sengathi wenze imali encane. Izindleko zezokwelapha ezingabhalwa ngale ndlela azivamile kodwa zingabandakanya izindleko zemishwalense yomshuwalense wezempilo kulabo abaqashile.
Kulesi sihloko, sizobuka indlela yokuqala. Ikuvumela ukuba ubhale uhlu olubanzi lwezindleko zezokwelapha uma izindleko zakho zokwelapha ziphelele ngokwanele, futhi akukho mfuneko yokuba uziqashile.
Ingabe Unayo Imali Eyanele Yempilo Ukuze Uzuze Ngesikhathi Sakho?
Ukuze ucele ukukhishwa kwentela yezindleko zezokwelapha kuSheduli A , izindleko zakho kufanele zengeze okungenani amaphesenti angu-10 emali engenayo yakho eguquliwe.
Uthola kuphela ukudonsa izindleko ezidlula leli phesenti elingamaphesenti angu-10. Isibonelo, uma imali yakho ephelele ehlelwe ngu-$ 100,000 futhi unama- $ 12,000 ezindlini zokwelapha ezifanelekayo, uzothola ukudonsa u- $ 2,000. I $ 10,000 yokuqala yezindleko zakho zezokwelapha isetshenziselwa ukuhlangabezana nomkhawulo wamaphesenti angu-10. I-$ 2,000 esele ingathiwa njengokwenyuswa kwentela.
Isikhwama sokubanjwa sisetshenzisiwe sibe ngu-7.5 wamaphesenti angu-7, kodwa sakhuphuka sibe ngamaphesenti angu-10 ngo-2013. Kodwa-ke, uma wena noma oshade naye eneminyaka engama-65 noma ngaphezulu, i-IRS igcine umgca ku-7.5% wemali engenayo eyalungisiwe ngo-2016. Kusukela ngo-2017, umkhawulo wokukhishwa kwamaphesenti angu-10 usebenza kuwo wonke umuntu.
Umthetho we-American Health Care Act (AHCA), owawudluliselwa yiMeyi yamaRephabhulikhi ngoMeyi 2017 ngomzamo wokuqeda i-ACA, wawuzonciphisa umkhawulo wokudonswa kwamaphesenti angu-5.8 wemali engenayo ehlelekile, esebenza ngowezi-2017. Lo mthethosivivinywa awuzange udlule I-senate, noma kunjalo, okusho ukuthi umkhawulo wokunciphisa uhlala ngamaphesenti angu-10.
Yiziphi izindleko zokwelashwa ezibalayo?
Umbono wakho mayelana nalokho okwenza izindleko zezokwelapha zingase zihluke kumbono we-IRS. Ngokusho kwe-IRS, "Izindleko zokunakekelwa kwezokwelapha kufanele zibe ngokuyinhloko ukwehlisa noma ukuvimbela ukukhubazeka ngokomzimba noma kwengqondo noma ukugula. Azibandakanyi izindleko eziwusizo nje empilweni ejwayelekile, njengevithamini noma iholidi. "Ukuze ufunde umthetho ngokwakho, hlola ingxenye ye-Internal Revenue Code isigaba 213.
Awukwazi ukubiza izindleko ukuthi inkampani yakho yomshuwalense wezempilo inkokhelo, noma izindleko ezikhokhelwa i-akhawunti yakho yokusebenzisa imali ekhokhiswa ngaphambili noma i- akhawunti yokulondoloza impilo .
Ngamanye amazwi, akukho "ukudida kabili."
Uma uthola ukunakekelwa kwezokwelapha phakathi nonyaka onikeziwe, kodwa ukhokhelwa ukunakekelwa unyaka ohlukile, ubiza izindleko ngonyaka owawukhokhela wona, hhayi unyaka owutholile isevisi. Isibonelo, uma uthola ukwelashwa ekwindla ka-2015 kepha awuzange ukhokhele lolokwelapha kuze kube ngoJanuwari ka-2016, ungadinga izindleko zezokwelapha ngezintela zakho ezingu-2016, ufakwe ngo-Ephreli 18, 2017.
Kwezinye izimo, ungakwazi ukubiza izindleko zemshuwalense wezempilo njengezindleko zokwelapha zentela. Funda kabanzi ku-" Ingabe Imali Yomshuwalense WezeMpilo I-Deductible? "Uma usebenza ngokweqile, unakho ukwedlula izinkokhelo ozikhokhayo (hhayi ukufaka noma yiziphi izinsizakalo ze-premium ezitholayo ngokushintshaniswa, noma amaphrimiyamu omunye umuntu akhokhela egameni lakho).
Kuleso simo, akudingeki ukuba uchithe imali yakho. Kodwa kubantu abangabasebenzi, amaphrimiyamu omshuwalense wezempilo angangena ngezinye izindleko zezokwelapha ukuze kufinyelele umkhawulo wokufinyelelwa (amaphesenti ayishumi okuthola imali engenayo).
Uhlu oluthile lwezindleko zokwelapha ezidonswa intela ezivamile lubandakanya:
- Umshuwalense wakho wezempilo okhokhelwa imali , imali yokukhokhela imali , kanye ne- coinsurance
- Izindleko zakho ezingaphandle kwezindleko zemithi (Lokhu akubandakanyi inambuzane yezokwelapha noma izidakamizwa zemithi ezithunyelwa ezweni ngokungemthetho.)
- I-psychotherapy engaqinisekisiwe noma izindleko ze-psychoanalysis
- Ama-Bandages nama-Band-Aids
- Amalensi okuxhumana nabo nezibuko ezisetshenziselwa ukulungisa umbono
- Isixazululo se-lens yokuxhumana
- Ukuzwa izinsiza nokuzwa amabhethri usizo
- Iphepheni yesisu ihlinzeka
- Izindleko zokufakelwa kwama-in vitro
- Izakhi zokuhlola zokukhulelwa
- Izindleko zokunakekelwa isikhathi eside (imithetho efanelekayo iyasebenza) kanye nezinye izinkokhelo zomshuwalense wesikhathi eside .
Uhlu luka-IRS lwezindleko zezokwelapha ezifanelekayo, hlola ukushicilelwa kwe-IRS 502.
Izindleko Zezokwelapha Zibani?
Ngokujwayelekile, ungacela ukudonsa intela ngezinkokhelo zakho zezokwelapha, izindleko zomlingani wakho, nezindleko zakho.
Ukuziphendulela
Ngingu-RN nomchwepheshe womshuwalense wezempilo, hhayi ummeli wentela, i-CPA, noma uchwepheshe wezentela. Ngenxa yalokho, ulwazi olunikezwe kulesi sihloko akufanele lubhekwe njengeseluleko sentela, sezimali noma sezomthetho. Esikhundleni salokho, sebenzisa ukuze usize ukucacisa lokho okudingayo ukufuna iseluleko sezentela mayelana nezentela. Funa iseluleko sochwepheshe bezentela noma uthole ulwazi oluthe ngqo kusuka kwi-IRS ngaphambi kokuthatha isinyathelo sezimali. - Elizabeth Davis, RN
Imithombo:
Congress.gov. HR1628. UMthetho wezokuNakekelwa kwezeMpilo waseMelika ka-2017 (owasungulwa ngoMashi 20, 2017, owadlulela iNdlukazi kaMeyi 4, 2017)
I-Cornell Univerity Law School, i-Legal Information Institute, i-US US Code 213, yezokwelapha, yamazinyo, njll.
Isevisi yangaphakathi yeNgeniso. Ukushicilelwa kwama-502, izindleko zezokwelapha nezamazinyo .