Uma umshwalense wakho wezempilo usuke ususwe intela, ukuthatha ukubhala intela kwemishanguzo yomshuwalense wezempilo kungaba nomthelela omkhulu ekutheni unomklomelo omkhulu kangakanani. Kodwa-ke, imithetho lapho umshuwalense wezempilo ekhokhelwa khona intela nokuthi kungakanani okungahlwithwa kuyinkimbinkimbi. Nasi isimiso sokukhishwa kwentela kumshuwalense wezempilo.
Uma Umshwalense WezeMpilo Awukho Imali Ekhokhelwa Imali
Awukwazi ukuthatha inkokhelo yentela yomshuwalense wezempilo ngaphandle uma uyikhokhela.
Uma othile onjengomqashi noma uhulumeni ekhokhela izinkokhelo zakho zomshuwalense wezempilo, lezo zimali ezikhokhelwayo azitholakali. Uma umqashi wakho ekhokhela ingxenye yamaphrimiyamu akho yomshuwalense wezempilo futhi ukhokhela enye ingxenye, awukwazi ukucela ukukhishwa ngenxenye oyikhokhela umqashi wakho.
Ingabe uthenge umshuwalense wezempilo womuntu ngamunye noma womndeni kwi-Care Affordable Act Act exchange insurance ? Noma yikuphi ukukhokha okuthuthukisiwe okusekelwa ngemali eyanciphisa izindleko zemishanguzo yakho yomshuwalense wezempilo ngeke ukwazi ukukhokhiswa njengokwehliswa. Ngenkathi imali ekhokhelwayo yokukhokhela imali ephezulu ingakwazi ukukhokhiswa njengokwenqunywa, imali eyakhokhelwa imali oyikhokhela ephaketheni lakho ingadalulwa. Uzofunda kabanzi ngalokhu kamuva.
Awukwazi ukuthatha inkokhelo yomshuwalense wezempilo okhokhelwe ngemali engaphambi kwentela.
Amaphrimiyamu okhokhela umshuwalense wempilo asekelwe emisebenzini ngokuvamile avela esikhokhelweni sakho ngaphambi kokuba kubalwe intela yakho engenayo. Lokhu kwenza imali yakho engenayo ibonakale encane, efana nendlela imali oyifaka ngayo ekugcineni imali yakho yokuthatha umhlalaphansi engu-401 (K) yenza imali yakho engenayo ibonakale encane.
Njengoba lezi zinkokhelo zikhokhwa ngemali engaphambi kwentela, sezivele zingenayo intela; awukwazi ukuzibiza njengezindleko ezidonswayo.
Awuqiniseki ukuthi izinkokhelo zakho zomshuwalense wezempilo zikhishwa ngaphambi kokukhokha intela noma emva kwentela? Ama-premium yomshuwalense wezempilo oxhaswe ngumqashi ahlale ekhokhwa ngemali engaphambi kwentela, kodwa ukuhlola kabili, ungacela umnyango wakho wokukhokha, noma wenze ezinye zezibalo.
Uma izinkokhelo zakho zikhokhwa ngemali engaphambi kwentela, leyo mali ngeke ifakwe njengengeniso ku-W-2 yakho. Uma izinkokhelo zakho zikhokhwa ngemali yentela, leyo mali izofakwa njengengeniso ku-W-2 yakho. Uma ama-premium akho engabandakanyi njengenzuzo ku-W-2 yakho, awukwazi ukuthatha njengokwehliswa ngoba kakade akakhokhwa intela (noma ngabe akhokhelwa ngemali yentela, ikhono lakho lokubamba linganiselwe, njengoba kuchaziwe ngezansi).
Uma Umshwalense WezeMpilo Ukhokhiswa Imali
Uma usuqashile, ama-premiums akho yomshuwalense wezempilo angadalulwa.
Uma uziqashile futhi ungafanelekile ohlelweni lwezempilo oluxhaswe ngumqashi ngomsebenzi womlingani wakho, ungase ukwazi ukubhala amaphrimiyamu akho omshwalense wezempilo. Awukwazi ukubhala ngaphezulu kwimishanguzo yomshuwalense wezempilo kunalokho owawutholile, noma kunjalo.
Esikhundleni sokubeka uhlu lwezinkokhelo zakho zomshuwalense wezempilo kanye nezinye izinkokhelo zakho zentela kuSheduli A, uma uziqashile kubhekwa njengokulungiswa kwemali engenayo futhi kubhalwe ekhasini lokuqala leFomu 1040 . Lokhu kunomphumela wokwehlisa imali yakho yonke.
Ngandlela-thile, le ndlela yokulungiswa-kuya-engenayo ingcono kunokudonswa kwendabuko.
- Uma ungakhulumi ngemali yakho yokudonsa, uzobe usuzuza ekulungisweni kwemali engenayo yemishanguzo yakho yomshuwalense wezempilo.
- Ukuncishiswa okuningi kukhishwa kumazinga aphezulu engenayo. Ukunciphisa imali engenayo ngemali yomshuwalense wakho womshuwalense wonyaka kungakusiza ukuba uhlale ngaphansi kwezinga lokuphuma kwezinye izinkokhelo.
- Ukuncishiswa okuningi kungathathwa kuphela uma kudlula iphesenti elithile lemali engenayo. Imali encane yakho engenayo iyabonakala, kulula kakhulu ukudlula leyo mbundu bese ifuna lezo zinkokhelo.
Uma ukhokhele amaphrimiyamu akho yomshuwalense wezempilo ngemali yakho eyakhokhelwa intela, ayidaluctible.
Isibonelo, uma uthenge inqubomgomo yomshuwalense wezempilo yomndeni noma womndeni kumshuwalense wezempilo wombuso wakho noma ngokuqondile kwinkampani yomshuwalense, imali oyikhokhele imali yomshuwalense wakho wenyanga yomshuwalense wezempilo ingathathwa njengokuncishiswa kwentela.
Uzobhala lolu ducingo njengezindleko zezokwelapha kuSheduli A yeFomu 1040. Nokho, ukukhishwa kwezindleko zezokwelapha eziphelele (kufaka phakathi ama-premium) kunqunyelwe, kanti imali ongayithola iyoxhomeka kwimali engenayo. Uzofunda kabanzi mayelana nalokhu kunciphisa ngezansi.
Amanye ama-premium e-Medicare abalwa njengezindleko zezokwelapha ezingadalulwa uma uchitha imali.
I-Medicare Part B , i-Part D yokubhaliswa kwemithi, kanye nama-premium engeziwe e- Medigap ahambisana nezindleko zakho zokwelashwa eziphelele (ungase ukwazi ukukhipha ingxenye yezindleko zakho zokwelapha eziphelele uma ubeka imali yakho, njengokuchazwe ngezansi).
Imiklomelo ye-Medicare Part A yinto encane kakhulu. Uma uhlanganiswe ngaphansi kokuphepha komphakathi, uthola i-Medicare Part A ngokuzenzekela ngoba wena noma oshade naye bakhokhela intela yokukhokhwa ngenkathi usebenza. Yilokho okwenzeka kubantu abaningi, futhi kulokhu, akukho lutho ongaluthola lwe-Medicare Part A.
Ungakwazi ukukhipha amaphrimiyamu akho e-Medicare Part A, noma kunjalo, wena nomngane wakho womshado:
- akazange akhokhe intela yeMedare ngenkathi usebenza, futhi
- awuhlanganisiwe ngaphansi kokuphepha komphakathi, futhi
- wena ngokuzithandela wabhalisa ku-Medicare Part A, futhi
- ukhokha izinyanga zokuqala ze-Part A.
Inani Lokuncishiswa Kwentela Yomshuwalense WezeMpilo Kulinganiselwe
Uma ukwazi ukuthatha ukubhalwa kwomshuwalense wezempilo, kunemingcele yokuthi ungabhala kangakanani amaphrimiyamu akho.
Uma uthatha umshuwalense wakho wezempilo njengokwenyuka kwezindleko zezokwelapha kuSheduli A, ungadlulisa kuphela izindleko zezokwelapha ezingaphezu kwezingu-10% zemali engenayo ehlongozwayo (ngaphambi kuka-2017, lesi sibalo saba amaphesenti angu-7.5 kuphela kubantu abadala abadala abaneminyaka engama-65 nangaphezulu; manje sekuyishumi amaphesenti kuwo wonke amafayili)
Yengeza amaphrimiyamu akho yomshuwalense wezempilo kanye nazo zonke izindleko zezokwelapha ezingafaneleki ezifanelekile ezifana ne-deductible yakho, i-copays, ne-coinsurance. Uma bonke labo ndawonye bekhulu kunezingu-10% zemali engenayo yakho ehlelwe kahle, ungakwazi ukudlulisa ingxenye engaphezu kuka-10% wemali engenayo. Funda kabanzi mayelana nokudonswa kwezindleko zezokwelapha, kufaka phakathi ezinye izindleko ezibalwe kuyo, " Indlela Yokubhala Imali Yezokwelapha njengokwenyuka kwentela ."
Uma usuqashile futhi ucela ukuchithwa komshuwalense wezempilo oziqashile ku-Form 1040, akudingeki udlule uphawu lwe-10% ngoba ubhala amaphrimiyamu avela njengokulungiswa kwemali yakho engenayo esikhundleni sokudonswa . Esimweni sakho, inani ongalitshela lilinganiselwe ngenzuzo yakho. Awukwazi ukufaka isicelo sokulungiswa kwemali engenayo yemishwalense yomshuwalense wezempilo eyinkulu kunaleyo engenayo.
Kubuyekezwe nguLouise Norris.
> Imithombo:
> Insizakalo yangaphakathi yeRevenue, Publication 502, Izindleko zezokwelapha nezamazinyo.