Umthetho Wokunakekelwa Okunakekelwayo ongenakusiza wawusayinwe ngomthetho ngo-2010, futhi iningi lamalungiselelo alo asetshenziswe ekuqaleni kuka-2016. Kodwa esinye isici somthetho esibizwa ngokuthi "intela yeCadillac" ngeke sisebenze kuze kufike ngo-2020. Intela yeCadillac ekuqaleni okumele kusetshenziswe ngo-2018, kodwa ngoDisemba 2015, abameli babedlulisa imali ekhokhwayo yokusebenzisa imali eyayihlanganisa ukubambezeleka kweminyaka emibili kwentela yaseCadillac.
Lapho ekugcineni kusetshenziselwa, intela yeCadillac izobeka intela yentengo yemali engamaphesenti angama-40 engxenyeni yezinkokhelo zomshuwalense wezempilo ezixhaswe ngumqashi ngaphezu kwezinga elibekiwe le-dollar (imali engenayo evela entela izosetshenziselwa ukumboza ezinye izinhlinzeko ze-ACA, njengezinsizakalo ze- premium ukuhwebelana ). Isibongo sokuqala esingasetshenziswa intela yesikweleti kwakuyizigidi ezingu-10,200 zama-premium wonyaka wamuntu oyedwa ngama-dollar ka-2018, kanye nama-dollar angu-27,500 ngamaphrimiyamu wonyaka wokubanjelwa komndeni. Lokhu kuhlanganisa kokubili imali ekhokhelwa ngumsebenzi, kanye nomnikelo womqashi ku-premium.
Ngakho uma imali yakho yomshuwalense wonyaka wempesheni yempilo ingaphezu kwalezo zimali, umqashi wakho kufanele akhokhe intela yentengo engama-40 engxenyeni ye-premium ngaphezu kwalawo mazinga. Ngokusobala, lokhu kukhuthaza abaqashi ukuthi bathathe izinyathelo zokugcina amaphrimiyamu angaphansi kwezinga lapho intela yeCadillac isebenza khona.
Iyini Inzuzo Yentela Ka Cadillac?
Umqondo owawukhokhiswa intela yeCadillac kwakuwukwenza izinhlelo zokuphila eziphakeme kakhulu ezikhangayo kakhulu kubaqashi, futhi ngaleyo ndlela zingavamile kakhulu. Ukukhathazeka ukuthi lapho abantu benamalungiselelo ezempilo abanokwabelana okuncane kakhulu nezindleko nezinsimbi zezingcingo, kungenzeka ukuthi bangaphezu kokunakekelwa kwempilo kusukela ohlelweni lomshuwalense-kunokuba isiguli-sikhokhele konke noma cishe zonke izindleko.
Futhi umshuwalense wezempilo oxhaswe ngumqashi sekuyisikhathi eside ungeniswa emalini engenayo engenayo . Ngakho lapho sibheka isinxephezelo esiphelele sabasebenzi-kubandakanya inkokhelo ngaphezu komshuwalense wezempilo kanye nezinye izinzuzo-kunesizathu sokuthi abaqashi bahlinzekele ingxenye enkulu yenxephezelo ngendlela yokuthola izinzuzo zomshuwalense wezempilo, kunezinkokhelo. Njengoba kuhlangene nezindleko ezandayo zokunakekelwa kwezempilo, lokho kukhuthaza kanye nokukhathazeka mayelana nokusebenzisa ngokweqile kwaholela ekwenzeni intela yeCadillac ku-ACA.
Kuthiwani Ngokuthathwa Kwemikhiqizo?
Kusukela intela yeCadillac isihlelelwe ukuqala ngo-2020 esikhundleni sika-2018, umkhawulo we-premium ngenhla lapho intela izosebenza khona kulindeleke ukuthi ube ngu-$ 10,800 ukukhokhelwa okukodwa, kanye ne-$ 29,100 ukuze kutholakale umndeni, ngenxa yokwehla kwamanani emali okusebenza ngokwezimali ezisebenza kwi-Cadillac tax .
Ngakho-ke ngo-2020, uma uhlelo lwezempilo lube ne-premium yonyaka ka-$ 11,500 kumsebenzi oyedwa, ingxenye ye-premium engaphezu kwezingu-10,800 zamahhala (ngamanye amazwi, i-$ 700) yayiyokhokhiswa intela ye-Cadillac. Futhi ngenkathi leyo intela izohlolwa kumqashi, izomnotho ngokuvamile ziyavuma ukuthi izindleko ezinjalo zidluliselwa ohlelweni lwezempilo olubhalisa (ngezimpompo eziphakeme, isibonelo).
Kusukela ngo-2021, umkhawulo we-premium-ngenhla lapho intela yeCadillac isebenza khona-izokwanda ngamaphesenti afanayo njengokwanda kwama-Consumer Price Index (CPI) ngonyaka.
Inkinga? Ukusetshenziswa kwemali yokunakekelwa kwezempilo kuye kwanda ngokushesha kune-CPI isikhathi eside. Futhi kuyilapho kungenzeka ukuthi kungashintsha eminyakeni eyesikhathi esizayo, ukuthi kungenzeka ukuthi ngeke kusho ukuthi intela yeCadillac ingagcina ibe "intela ye-Chevy," njengoba amaphrimiumende avamile enyukela ngokushesha kunomkhawulo wepayimali lapho intela yeCadillac iqala khona.
Yize kungavamile namhlanje ukuthi kube nenqubo yomshuwalense wezempilo nge-premium yonyaka ngaphezulu kwe $ 10,800 kumuntu oyedwa, noma i-$ 29,100 emndenini, kungase kungabi yinto engavamile ukuba nehlelo lempilo elilahla lezo zimali (lenyuka yi-CPI) ngo-2030 noma 2035, uma izinkokhelo ze-inshuwalense yezempilo ziqhubeka zikhula ngokushesha kakhulu kune-CPI.
Umphumela wukuthi inani elikhulayo lamapulani lizobe lithathwa intela yonyaka wezimali, ngokubona ukukhula kwe-premium kuqhubeka nokuphuma kwamanani emali. Futhi ekugcineni, izinhlelo zokugijimela (ngokuphambene nezinhlelo eziphezulu kuphela) zingathinteka.
Indlela Intela KaCadillac Eyokuthinta Ngayo Imisebenzi Yabasebenzi
Ukuqaliswa kwentela kusekuyiminyaka embalwa ngaphandle, kodwa ukuvumelanisa ngokujwayelekile abaqashi bazofuna ukugwema ukuyikhokhela, futhi ngaleyo ndlela bazolungisa izinhlelo zabo zezempilo ukuze amaphrimiyamu aphelele ngonyaka ahlale ngaphansi komngcele lapho intela yeCadillac iqala khona isicelo.
Indlela ecacile kakhulu yokukwenza lokho ukwandisa ukwabelana ngezindleko kuhlelo, nge-deductibles ephakeme, ama-copays, nama-maximum angaphandle kwe-pocket (ngaphakathi kwezingqinamba ezingaphandle kwe-pocket ezidingekayo yi-ACA ). Yiqiniso, lokho kuzobhekana nenkinga ukuthi intela yeCadillac yenzelwe ukuxazulula, ngoba umqondo wonke kwakuwukushiya izinhlelo ezihlanganisa konke noma cishe zonke izindleko zokunakekelwa kwezempilo, ngokuzama ukuqinisekisa ukuthi abantu abangekho nokuqapha ukunakekelwa kwempilo.
Futhi ngenkathi lokho kungaba umphumela cishe, inkinga ukuthi uma ukuphuma kwe-pocket kudinga ukwanda, abantu bathambekele ekunqumeni hhayi kuphela ekunakekelweni kwezempilo okungadingekile kodwa futhi ekunakekelweni kwezempilo okudingekile . Ngokuhamba kwesikhathi, lokho kungabangela izimo ezingapheli ezingalawulwa kahle, nezindleko zokunakekelwa kwezempilo eziphakeme kunalokho ngabe ngabe ngabe ukunakekelwa kwakungeke kugwenywe ngenxa yezindleko.
Kukhona futhi ukukhathazeka ukuthi abanye abaqashi bangase babe nehlelo lempilo elingaqondile ikakhulukazi elithi "Cadillac" emvelo (okungukuthi, izinzuzo zalo azizona kangcono kakhulu kunezilinganiso), kodwa lokho kunamaprimiyamu aphezulu kunamaphesenti ngenxa yomlando wesimangalo noma imboni yomqashi.
Ukuvinjelwa kwe-ACA ekusebenziseni umlando wamangalo noma izigaba zezimboni ukusetha izinkokhelo kusebenza kuphela ezimakethe zeqembu ngalinye namancane; emakethe yeqembu elikhulu, umlando wesimangalo kanye nembonini ingasenza indima emahoyisimini. Ngakho-ke lapho intela yeCadillac ihlose ukunciphisa inani lamapulani anikezela ngokuqokwa okukhulu, ukusetshenziswa kwemetrikhi ekwahlulela uhlelo olusekelwe kuma-premium kuphela kungase kube nephutha, ngoba izinhlelo ezithile eziphezulu eziphezulu zingase zibe nama-premium aphezulu ngenxa yezizathu ngaphandle kokuklanywa kwabo inzuzo.
Kukhona futhi ukukhathazeka ukuthi emazweni afana ne-Wyoming ne-Alaska, lapho ukunakekelwa kwezempilo-futhi ngaleyo ndlela, amaphrimiyamu e-inshuwalense yezempilo-ayabiza ngaphezu kokulinganisa, izinhlelo eziningi zingena enetheni lentela yaseCadillac, naphezu kokuhlinzeka ngezinzuzo ezilinganiselwe.
Ingabe intela yeCadillac izophinde ifakwe?
Phakathi nango-2020, kungenzeka ukuthi intela yeCadillac ingasuswa. Intela ngokuvamile inesisekelo esivela kubacwaningi (kuhlanganise noMkhandlu kaMengameli wezoMeluleki wezoMnotho). Kodwa abaqashi, izinyunyana, abathengi, kanye nezombangazwe-zombili zomkhakha we-aisle-bavame ukuphikiswa.
Isiteji se-Democratic Party sika-2016 sidinga ukuphonswa intela yeCadillac, futhi i-GOP isikhulume isikhathi eside ukuthi isuswe-nayo yonke noma ingxenye enkulu ye-ACA. Njengoba kunikezwe ukuphikiswa kwe-bipartisan kwentela, kungenzeka ukuthi ngeke isinde isikhathi esanele sokuqaliswa ngo-2020.
> Imithombo:
> Congress.gov. I-HR2029, uMthetho Wokubambisana Kwahlanganiswa, ka-2016. Yenziwe ngo-12/18/2015.
> Ihhovisi le-Budget ye-Congressional, I-Outlook Budget Yesikhathi eside Yonyaka ka-2016, ngo-July 2016.
> Gable, Jon; U-Pickreign, uJeremy; UMcDevitt, uRoland; UBriggs, uThomas. Ukukhokhisa izinhlelo zezempilo ze-Cadillac Kungase kuveze imiphumela ye-Chevy. Izindaba zezeMpilo, ngoJanuwari 2010, Vol 29, no-1.
> Haviland, Amelia M .; Eisenberg, uMathewu D .; I-Mehrotra, i-Ateev; Huckfeldt, Peter J .; I-Sood, Neeraj. Ingabe "Izinhlelo Zempilo Zomthengi-Eziqondisiwe" Zibopha Isikhathi Sendleko Ngesikhathi Esibekiwe? I-National Bureau of Economic Research, ngoMashi 2015.