Uma isikhathi sentela sihamba nxazonke, ungase uzibuze ukuthi izinkokhelo zakho zomshuwalense wezempilo zikhokhiswa intela. Kuncike ukuthi ungobani nokuthi ungubani.
Ngiyazisebenza
Ngingumuntu oziqashile, impendulo kaningi ngu-yebo-ama-premium okhokhayo ukuze uzibophezele futhi abaxhomekile bakho kungenzeka bathengise intela, uma nje uthola umshuwalense wakho wezempilo.
Lokhu kuyiqiniso kungakhathaliseki ukuthi uthola umshuwalense wakho ngokushintshanisa, noma kumakethe ngamunye ngaphandle kokushintshaniswa. Izinkokhelo ze-Premium (izikweletu zentela zama-premium) ziyatholakala ekushintsheni , kodwa hhayi ngaphandle kokushintshaniswa. Kungakhathaliseki ukuthi yiziphi izindlela, abantu abazisebenzayo bangakwazi ukukhipha imali ekhokhwa yizikhwama. Akukho "ukuchofoza kabili" okuvunyelwe, ngakho-ke uma uthola imali ekhokhelwa imali ye-premium ekuthengeni ukumboza ingxenye ye-premium yakho, ungakwazi kuphela ukukhipha imali yakho yokukhokhela imali emva kokubuyisela intela yakho.
Kubalulekile ukuqonda ukuthi inani le-premium yenkxaso yakho oyitholayo lihlobene nengeniso yakho ephelele eguquliwe (i- ACA-calculation specific , ehluke ekukhokheni okujwayelekile okushintshiwe okulungisiwe), kodwa amaphrimiyamu akhokhela umshuwalense wezempilo njengomuntu oziqashile umuntu uyisici ekunqumeni imali yakho engenayo eguquliwe eguquliwe. Lokhu kugcina kube yinkinga yendilinga: Inkokhelo yakho ye-premium ixhomeke ekutholeni kwakho okulungisiwe, kodwa imali yakho ehlongozwayo ixhomeke ekusikeleni imali yakho yesikweletu.
Kodwa i-IRS iphendule le nkinga, futhi umeluleki wakho wentela noma isofthiwe yentela ingakusiza ukuyihlunga.
Kodwa noma ngabe uziqashile, uma wena, oshade naye, noma othembekile bakho bahlanganiswa uhlelo lomshuwalense wezempilo lomqashi (noma owakho, emsebenzini ohlukile, noma ohlelweni lomlingani noma umzali wakho), amaphrimiyamu okhokhayo ngoba lokho kuhlanganisa cishe akuyona into ongayenza ekubuyiseni kwakho intela.
Lokhu kungenxa yokuthi cishe sebekhokhwa kakade ngama-dollar angaphambi kwentela kusukela umshuwalense wezempilo oxhaswe ngumqashi yilabo abaqashi nabasebenzi abakhokhiswa intela .
Ama-Akhawunti Wokulondoloza Impilo
Uma unesiphakamiso sezempilo se-HSA-qualified high deductible (HDHP), ungaba ne- akhawunti yokulondoloza impilo (HSA). I-HSA yakho ingase isungulwe ngomqashi wakho, noma kungenzeka kube yinto oyimisa wena ngokwakho, njengoba ungaba ne-HDHP enikezwe ngumqashi noma ithengwe emakethe ngayinye .
Umnikelo owenzela i-HSA yakho ingumholo wamaphesenti angu-100 owehliswayo kuze kube ngumkhawulo we $ 6,900 ukuze kutholakale umndeni kanye no-R4,450 ukuze uthole ukukhokhelwa ngabanye ngo-2018. Iminikelo ku-HSA yakho ingenziwa wena noma umqashi wakho, kodwa kuphela isabelo ozifaka sona iyintela ekhishwe. Uma ukhokhela i-HSA yakho ngokudonswa kwemali, iminikelo izokwenziwa ngesisekelo sokukhokhwa kwentela, futhi lokho kuzobonakala ku-W-2 owamukelayo (okungukuthi, ngeke kudingeke uyidlulisele ekubuyiselweni kwentela yakho, njengoba bazobe sebeqedile kakade kwimali engenayo engenayo). Kodwa uma ukhokhela i-HSA yakho, uzogcina ithrekhi yeminikelo oyenzayo phakathi nonyaka bese ukhipha inani lakho lokubuyisela intela.
Izinkokhelo njengengxenye yezindleko zezokwelapha jikelele
Ngisho noma ungasebenzi, i-Internal Revenue Service (i-IRS) ikuvumela ukuthi uhlole amaphrimiyamu omshwalense wezokwelapha kanye namazinyo (futhi ngezinye izilinganiso, amaphrimiyamu omshwalense wesikhathi eside) njengengxenye yamaphesenti angu-7.5 wemali engenayo yakho ehlelwe kahle ( I-AGI) okufanele isetshenziswe ekunakekelweni kwezempilo ngaphambi kokuba kunqunywe izindleko zezokwelapha ezingaphandle kwezokwelapha .
Uhlu olude lwezindleko ezihlobene nezempilo lungabandakanywa ukuthi lunqunywe, kuhlanganise nemithi yokwelashwa kanye nezinqubo zokuhlinza ngokuzithandela, njengokuhlinzwa kwe-laser ukulungisa umbono. I-IRS inolwazi kwiwebhusayithi yayo. Gcina ithrekhi yezindleko ezingaphandle kwezimali ozifaka phakathi nonyaka - kufaka phakathi amaphrimiyamu omshuwalense wezempilo uma uthengisa uhlelo lwakho kodwa alusebenzi. Uma izindleko zakho eziphelele zidlula amaphesenti angu-7.5 we-AGI yakho, uzokwazi ukukhipha izindleko ngaphezu kwalowo mgqa.
Ngakho-ke, uma i-AGI yakho ingama-$ 50,000 futhi uchitha amaRandi angu-8 000 ezindlekweni zezokwelapha, kufaka phakathi izinkokhelo zempilo yomshuwalense ozikhokhelayo, uzokwazi ukukhokhela izindleko zezokwelapha ezingu-$ 4,250 ekubuyisweni kwentela (amaphesenti angu-7.5 we $ 50,000 ayi $ 3,750, ngakho uzokwazi ukukhipha imali engaphezu kwama-$ 3,750 kule simo).
Qaphela ukuthi u-7.5 wamaphesenti umgogodla osetshenziselwa ukuba abe yizinga elijwayelekile, kodwa i-ACA yenyuswe ibe ngamaphesenti angu-10 (yahlala kuma-7.5% kubantu abaneminyaka yobudala engama-65 nangaphezulu, ngasekupheleni kuka-2016). Kodwa-ke, umthethosivivinywa wentela we-GOP ( uMthetho wokuThengiswa kwezeMali kanye noMsebenzi ) owasungulwa ngoDisemba 2017 uphinde uvuselele umgqa ube ngamaphesenti angu-7.5 kubo bonke abafakela intela, ngo-2017 no-2018. Ngakho esikhundleni sokuchitha ngaphezulu kwamaphesenti angama-10 omholo wakho izindleko zezokwelapha (kubandakanya amaphrimiyamu) ukuze ufanelekele ukuthola imali, manje kufanele uchithe amaphesenti angaphezu kuka-7.5. Lokhu kuzophelelwa yisikhathi ekupheleni kuka-2018, noma kunjalo, futhi kuzobuyiselwa kumaphesenti angu-10 kubo bonke abafakela intela. Kusukela ngo-2019, izindleko zezokwelapha kuphela ezingaphezu kwamaphesenti angu-10 engenayo zizofanelekela ukukhishwa.
Ukuze ukhiphe izindleko zezokwelapha, kufanele uchithe izinkokhelo zakho. Lokhu kuqhathaniswa nezimo ezimbili ezichazwe ngenhla-ukukhishwa kwe-premium yomshuwalense wezempilo oziqashile kanye nokuncishiswa kwe-Akhawunti Yokulondoloza Impilo-kokubili okungasetshenziswa kungakhathaliseki ukuthi uthintekile.
Lokhu kungukubukezwa ukuthi i-IRS iphatha kanjani amaphrimiyamu omshuwalense wezempilo. Uma unemibuzo mayelana nesimo sakho esithile, kodwa uqiniseke ukuthi ukhuluma nomeluleki wentela.
> Imithombo:
> I-UC Berkeley Labor Centre. Imali engenayo eguquliwe ishintshiwe ngaphansi koMthetho Wokunakekelwa Onganakekelwayo . Julayi 2014.
> House.gov. Umbhalo we-Tax Cuts and Jobs Act (HR1) , okwenziwe ngomhla kaDisemba 22, 2017.
> Isevisi yangaphakathi yeRevenue, Publication 502 (2015) .
> Insizakalo yangaphakathi yeNgeniso, Inqubo Yokuthola Imali ka-2015-30 .
> Insizakalo yangaphakathi yeNgeniso, Inqubo Yokuthola Imali Yonyaka 2016-28 .
..............................................
Isithombe © peanut8481 / istockphoto.com