Ukufaneleka kosizo lwe-ACAs premium kusekelwe engenayo, hhayi izimpahla
Izimali zentela ye-premium (subsidium premium subsidies) ziyingxenye enkulu "engabizi" ingxenye ye-Care Affordable Care Act (ACA). Ngaphandle kwabo, ukuthengwa emakethe ngayinye kungenakuhlukumezeka kubantu abaningi.
Ukuze ubeke lokhu ngendlela enengqondo, khumbula ukuthi isilinganiso sokuqala sokubambisana ngezinhlelo ezithengwa ezinyangeni ezimbili zokuqala zonyaka wokubhalisa ovulekile ngo-2016 nge-Healthcare.gov yi-$ 408 ngomuntu ngamunye ngenyanga.
Kodwa isilinganiso semali esivela ngemuva kokukhokhelwa imali singama-$ 113 umuntu ngamunye ngenyanga. Futhi amaphesenti angu-85 abantu abhalise ezinhlelweni nge-Healthcare.gov abathola ukwesekwa, njengoba kunamaphesenti angu-78 abantu ababhalisile ngokusebenzisa ukuhwebelana ngokusekelwe kuhulumeni ekuthiwa abasebenzisi i-Healthcare.gov.
Ngokusobala, izinsizakalo zenza umshuwalense wezempilo zifinyeleleke kalula nakakhulu kunokuba kungenjalo. Kodwa kunombono wamanga wokuthi izinsizakalo ze-Obamacare premium ziyindlela yezenhlalakahle, kanye / noma ukuthi zizuzisa kuphela izindlu ezingenayo imali.
Kungani izinsizakalo ze-Premium zingekho ubuhle
Imali yesikweletu iyimali yentela - noma isikweletu somholo ongasithatha kusengaphambili, ukhokhelwa ngqo kwinkampani yakho yomshuwalense wezempilo, kunokuba ulinde ukufaka isicelo sokubuyisela intela njengamanye ama-credits akhokhelo. Futhi zisebenza ngendlela efanayo nezinye izikweletu zentela ezikhawulela ukufaneleka ngokusekelwe emalini engenayo - isibonelo, isikweletu somsindisi kanye nesikweletu sentela yengane.
Ezinye izimo ezikhokhelwa intela - njengezinkokhelo zendabuko ye-IRA uma uhlanganiswa uhlelo lokuthatha umhlalaphansi emsebenzini, iminikelo ye-Roth IRA, kanye nokukhishwa kwesithakazelo somfundi - kuyatholakala kuphela uma imali yakho engenayo ingaphansi kombindi othile.
Izinsizakalo ze-Premium azinawo ama-aseset , kepha nanoma yiziphi izibonelo ezibalwe ngenhla zokukhishwa kwezimali ezilinganiselwe kanye nezinzuzo ezikhokhelwa intela.
Lokho kusho ukuthi ukufaneleka kwakho esikhwameni sentela akuxhomekile ekutheni unayo kakade kangakanani kumpahla; kuphela kuxhomeke ekutheni uhola kangakanani ngonyaka.
Lokhu kuqhathaniswa nezinhlelo ezifana ne-SNAP (Supplemental Nutrition Assistance Program), enemikhawulo yokufaneleka ngokusekelwe kokubili imali engenayo kanye nempahla / izinsiza.
Izinsizakalo ze-Premium ngaphansi kwe-ACA zitholakale emakhaya enenzuzo engenayo kuze kube ngamaphesenti angama-400 ezinga lobuphofu. Ngomndeni wezingane ezine, okungu-$ 97,000 ngo-2016 (ukuhlinzeka ngo-2016, imihlahlandlela yezinga lobuphofu ngo-2015 isetshenziswa). Ngokuqinisekile lokho akusikho imali engenayo yi-any-stretch of the imagination; Ukufaneleka kwemali ye-premium kufinyelela ngaphakathi ekilasini eliphakathi.
Kodwa Kuthiwani Ngebantu Abanempahla Eyinhloko?
Esinye sezimpikiswano ezivela ngezinye izikhathi mayelana nokuxhaswa kwe-premium kuhlobene nokufaneleka kwemindeni ephakeme kakhulu enempahla ephawulekayo kodwa engenayo imali engenayo yonyaka. Abathathe umhlalaphansi bokuqala abayisibonelo esisodwa; kungenzeka ukuthi basindise amashumi eminyaka ukuze bahlanganise imali ebalulekile, futhi manje sebehlala umhlalaphansi - ngaphambi kweminyaka engama-65 uma uMedarela ekhona - futhi ehlala engenayo imali eyakhiwe yizimali zokutshala izimali. Ngenxa yalokho, imali yabo engenayo ingaba kahle ngaphakathi kwezinga elifanelekayo lezinsizakalo, naphezu kokuthi bangase babe nezinombolo eziyisithupha noma eziyisikhombisa zokutshala izimali.
Ingabe kuwukuziphatha kwabo bantu ukuthi basebenzise izinsizakalo ze-ACA premium? Isihloko sivela ngokujwayelekile kwizinkundla ezihlukahlukene ze-intanethi, futhi njalo kukhona abantu abathi inzuzo ye-premium kufanele isetshenziswe kuphela ngabantu "abayidingayo," noma ngabantu "abampofu" kuphela.
Kodwa akekho kulawa mazwi anakho incazelo enengqondo. Izinsizakalo ze-Premium ziyisikweletu sentela. Izimali zentela azisekelwe "ezidingweni," zisekelwe ezinombolweni. Uma ufaneleka ngokusekelwe emithethweni ye-IRS, ufaneleka - ayikho into ephathekayo mayelana nezikweletu zentela.
Futhi njengoba kushiwo ngenhla, izinsizakalo ze-premium zitholakale emakhaya asezingeni eliphakathi - aziklanyelwe kuphela ababhalisile "abampofu".
Uma abenzi bezomthetho ababhala i-ACA behlose ukusizwa ngezimali eziphezulu ukuze babe nokuhlolwa kwempahla (okungukuthi, njenge-SNAP, noma ukufaneleka kweMedicaid kubantu abadala abadinga ukunakekelwa ekhaya kwasebekhulile), bebengabafaka futhi bangase banqume ukwenza kanjalo ngesikhathi esithile esikhathini esizayo.
Kodwa ukwengeza ukuhlolwa kwempahla kuzobe kwenziwe isistimu kakade eyinkimbinkimbi nakakhulu, futhi ngabe bekuzoba nomgomo wabamthetho, owawuzokwenza abantu abaningi ngangokunokwenzeka bangene emachibini obungozi bomshuwalense wezempilo ukuze banciphise izinga elingavunyelwe futhi basakaze ingozi yempilo yonkana njengedamu elibanzi ngangokunokwenzeka.
Ngenxa yalokho, sinezinsizakalo ze-premium ezisebenza ngokufanayo nezinye izikweletu zentela ezinqunyelwe imali engenayo ezisebenza kumakilasi aphakathi kakhulu. Ukufaneleka kwalezo zindleko zentela akuhlangene nezezimpahla, futhi konke okuphathelene nokuthola imali. Yiqiniso, akusikho emthethweni - futhi akungekho emthethweni - ukungahambisani kahle neholo lakho ukuze ukwazi ukuthola izikweletu zentela. Kodwa uma nje ubika ngokunembile imali yakho engenayo kwi-IRS, akukho lutho olungalungile mayelana nokuthatha izikweletu zentela uma uzifanelekela.
Ngokuthakazelisayo, kungavamile ukuzwa abantu bathi akusikho ukuziphatha ngendlela efanele, ngokwesibonelo, ukucela isikweletu somklomelo wengane noma isikweletu somsunguli uma umfakisi wentela embuzweni enempahla eningi. Kodwa kuzo zonke izinhloso ezisebenzayo, akukho umahluko phakathi kwalawo makhredithi yentela kanye nekhredithi yentela ye-premium, ngaphandle kokuthi i-credit premium yesikweletu ingathathwa kusengaphambili unyaka wonke, bese ibuyisana ngokubuyisela intela yakho .
Kuyinto engavamile nanoma ubani ukuba abuze ukuthi imindeni ephakeme kakhulu kufanele ifanelekele umshwalense wezempilo oxhaswe ngumqashi (iningi labo), naphezu kokuthi izinhlelo ezinjalo zikhokhisa intela kakhulu. Ngokombiko we-CBO ka-2016, uhulumeni uhlose ukusebenzisa imali engu-3.6 trillion eyayixhasa imali yomshuwalense oxhaswe ngumqashi kusukela ngo-2017 kuya ku-2026 (ngenxa yokukhishwa kwama-premium kusukela intela engenayo kanye nenkokhelo yokukhokha), kodwa ingxenye eyodwa kuphela yesine yaleso semali ku-premium imakethe ngayinye.
Kungenzeka ukuthi ukugqugquzelwa kwezombusazwe ezungeze i-ACA yisona isizathu sokungaqondi kahle ngemali yokukhokhelwa kwezimali eziyinhloko njengendlela yezenhlalakahle, lapho empeleni kungumklomelo wentela ongenayo imali, njengabanye abavele bekhona isikhathi eside ngaphambi kwe-ACA.
Uma Ufanelekile I-Tax Credit, Thatha
Ngokufingqa, akudingeki ukhathazeke ngokuthi akusikho ukuziphatha ngendlela efanele ukubiza imali yakho yezinkokhelo ze-premium ngoba uneqanda elikhulu lezinyathelo. Kuyinto isikweletu intela, njenganoma iyiphi enye isikweletu intela. Ababhali bezimali bavame ukukhangisa ukuthi bazokuthola zonke izinkokhelo zemali yentela kanye nokudonswa, futhi abashayeli bamatekisi bavame ukuqonda noma yiziphi izinkampani ezizobheka ekubuyisweni kwentela.
Kungakhathaliseki ukuthi kunciphisa izinto ezinjenge-mortgage interest, iminikelo ye-HSA, isithakazelo semali mboleko yomfundi, noma iminikelo ye-IRA, noma ukubiza izikweletu zentela njengesikweletu somsindisi noma isikweletu somklamo we-premium, abaningi abafake intela bajabule kakhulu ukuphelelwa intela yentela ephansi. Futhi ekupheleni kosuku, yiyo yonke inkokhelo yentela ye-premium.
Ungalinda Ukumangalela Insizakalo Ngayo Imbuyiselo Yentela
Kubantu abathile abanempahla ebalulekile, bangase bazizwe benethezekile - futhi bajwayele - bakhokhele inani eligcwele lemshuwalense wezempilo unyaka wonke (becabanga ukuthi ungakwazi ukukwenza kanjalo) bese ucela isikweletu sentela ye-premium ekubuyiseleni kwentela yakho usebenzisa iFomu 8962 .
Uma nje uthenga ukuthengiswa kwakho ngokushintshaniswa (izinhlelo ezingenayo imali yokungafani nazo azifanelekeli izikweletu zentela zama-premium), zifanelekile kukhredithi yentela ngokusekelwe kwimali engenayo kanye nezindleko zepulani lokubheka endaweni yakho ngokuphathelene nemali engenayo, futhi uhlangabezane nezinye izidingo zokufaneleka kwekhredithi yentela ye-premium , ungafaka isikweletu sakho esikhwameni sentela kusengaphambili (okungukuthi, ikhokhwe ngqo kumphathi womshuwalense wezempilo ngenyanga ngayinye), noma ekubuyiselweni kwentela yakho njengoba nje ungayithola noma iyiphi enye inkokhelo yentela.
Kodwa noma yikuphi indlela, qiniseka ukuthi akukho lutho olungalungile mayelana nokumangalelwa ngesikweletu semali yentela ye-premium uma imali yakho engenayo yenza ukuba ufaneleke. Izimpahla zakho aziyona ingxenye ye-equation.