Yebo, isigwebo somuntu ngamunye se-ACA sisasebenza, futhi sizoqhubeka sisebenza ngo-2018. Uma ungaqinisekisiwe ngo-2018 futhi awufanelekile ukukhululwa, uzothola inhlawulo uma ufaka intela yakho ekuqaleni kuka-2019 Kodwa emva kwalokho, isigwebo ngeke sihlolwe.
Eminyakeni engaba ngu-8 emva kokumiselwa, izingxenye eziningi zoMthetho Wokunakekelwa Ongenakusiza (aka Obamacare) zisekelwa iningi labantu baseMelika.
Lokhu kubandakanya ukutholakala okuqinisekisiwe okukhishwa kungakhathaliseki ukuthi sekukhona izimo ezikhona ngaphambili , izikweletu zentela ye-premium ( izinsizakalo ) ezenza ukukhokhelwa okungabizi kakhulu, ukukhokhelwa kwezinzuzo zezempilo ezibalulekile , ukuqedwa kwama-maximums okuzuzwayo wonyaka nesikhathi sokuphila , nokwandiswa kwe-Medicaid .
Kodwa lowo muntu wabelane ngesijeziso somthwalo wemfanelo , i-aka igunya lakhe ngabanye, liye lahlala liyisilungiselelo esingathandeki somthetho. I-mandate yaqala ukusebenza ngo-2014 futhi idinga wonke amaMelika ukuthi alondoloze ukutholakala komshuwalense wezempilo ngaphandle kokuthi afaneleke ukukhululwa . Kukhona inhlawulo ehlolwe yi-IRS kubantu abangagcinanga ukubika futhi abangakufanelekeli ukukhululwa.
Ijeziso liqale ukuphuma kancane kodwa likhulile isikhathi
- Ngonyaka we-2014, inkokhelo yayiyi-$ 95 kumuntu omdala ongaqinisekisiwe (isigamu leso semali ingane ngayinye), kuze kufike ku-$ 285 umndeni ngamunye, noma amaphesenti angu-1 emali engenayo yendlu ngaphandle kwesibalo sokufaka intela.
- I-IRS ibike ukuthi phakathi kwezihlungi zentela ezikhokha inhlawulo ngo-2015 ukubuya, isigwebo esijwayelekile sasingu-$ 210.
- Ngonyaka ka-2015, inhlawulo yayiyi-$ 325 ngomuntu omdala ongaqinisekisiwe (isigamu leso semali ngengane ngayinye), kuze kufike ku-$ 975 umndeni ngamunye, noma amaphesenti angu-2 emali engenayo yendlu ngaphandle kwesibalo sokufaka intela.
- I-IRS ibike ukuthi phakathi kwezihlungi zentela ezikhokha inhlawulo ngo-2015 ukubuya, isigwebo esiphezulu sasingu-$ 470.
- Ngo-2016, inhlawulo yayiyi $ 695 ngomuntu omdala ongaqinisekisiwe (isigamu leso semali ingane ngayinye), kuze kufike ku-$ 2,085 umndeni ngamunye, noma amaphesenti angu-2.5 wemali engenayo yasendlini ngaphezu kwensizakalo yokufaka intela.
- Amaphesenti angu-2.5 enhlawulo yokuthola imali ahlelwe ukuthi ahlale ezingeni ngonyaka ka-2017 nangaphezulu, kodwa isigwebo sezinga eliphansi kufanele sishintshwe njalo ngonyaka ngenani lentengo, kusukela ngo-2017. Nokho, i-IRS yamemezela ekupheleni kuka-2016 ukuthi ukuguqulwa kwe-inflation ngo-2017 kuyoba zero, futhi into efanayo yenzeka ngo-2018 ; isijeziso esishayela ngonyaka ka-2017 no-2018 sehlezi ku-$ 695 ngomuntu omdala, isigamu leso sibalo sabantwana, kuze kube ngu-$ 2,085 emndenini.
Ingabe Isigwebo Sisahlolwa Manje I-Trump Ikhona Ehhovisi?
Yebo, isigwebo sisacubungulwa. Lokhu kuzoshintsha kusukela ngo-2019, kodwa abantu abangaqinisekisiwe ngo-2018 bazobe benecala uma befaka intela zabo ekuqaleni kuka-2019.
UMongameli Trump wamkhankaso esithembisweni sokuqeda i-ACA futhi esikhundleni sakhe ngenye into. AmaRephabliki eNtendeni adlulisele uMthetho wezeMpilo waseMelika (AHCA) ekuqaleni kukaMeyi, kodwa umthetho wehluleka eSenate, naphezu kwemizamo ephindaphindiwe yeGOP Sen Senators ukuba idlule.
Ekugcineni, abameli beRiphabhlikhi baphoqa uMthetho Wokuqashwa Kwezimali NeMisebenzi futhi uMongameli Trump wasayina waba ngumthetho ngoDisemba 2017. Nakuba umthethosivivinywa wentela ushiya lonke i-ACA ehambelanayo, uphinde ususe isigwebo somuntu ngamunye, kusukela ngo-2019 (ezinye izinhlinzeko zentela ibhilidi iqala ukusebenza ngonyaka ka-2018, kepha ukuchithwa komuntu ngamunye kunqanyelwe unyaka).
Ngosuku lwakhe lokuqala ehhovisi, uTrump wakhipha i-oda elihle elihlose "ukunciphisa umthwalo wezomnotho" we-ACA. Ngokuyisisekelo i-ejensi eFederal kumele ibe nehlonipho ngangokunokwenzeka ekusebenziseni izintela ze-ACA nezinhlawulo.
Isijeziso ngokwayo sichazwe embhalweni we-ACA , okusho ukuthi umthetho (ngokuphambene nesenzo esisodwa sokulawulwa yi-HHS noma i-IRS) kwakudingeka ukuze ushintshe noma kuqede inhlawulo. Inkokhelo yentela izosusa inhlawulo kusukela ngo-2019, kodwa kuze kube yileso sikhathi, i- IRS kufanele iqhubeke ukuyiphoqelela.
Kodwa-ke, ngaphansi kwemigomo ye-Trump's executive order, i-IRS ingakwazi ukukhululeka ngokwemigomo yokwamukela ukukhululwa kwezigwegwe.
Futhi benza ushintsho ngoFebhuwari 2017 ngesibindi, beqaphele ukuthi bazoqhubeka bamukela "ukubuyisa okuthula" ngo-2016. Kodwa lokho kuzoshintsha ekuqaleni kuka-2018, lapho ukubuyiswa kwentela ka-2017 kusetshenzwa. Nakhu konke okushoyo:
- Emgqeni we-61 weFomu 1040 , i-IRS icela bonke abafakela intela ukuthi bangenawo yini umshuwalense wezempilo unyaka wonke (lokhu bekulokhu kwenzeka kusukela ngo-2014). Abaningi baseMelika banomshwalense wezempilo, futhi bangabheka ibhokisi elithi "ukugcwala konyaka ogcwele" futhi uqhubeke nokunye okubuyayo. Kodwa kulabo abangenakho ukufaka iminyaka yonke, lolu hlelo luyinkimbinkimbi kakhulu: kumele bafake ifomu 8965 ukuze baxolelwe , noma balale isijeziso esisebenzayo.
- Ngonyaka we-2014 no-2015, i-IRS ayizange inqabe ukubuyisa uma umugqa 61 ushiywe ungenalutho (okungukuthi, ukubuya "okuthulile"). Iningi labafaki bezentela baqedile umugqa 61 noma kunjalo (cishe amaphesenti angama-90 aseMelika anomshuwalense wezempilo, ngakho lokhu akuyona inkinga yezinhlanzi eziningi, futhi izigidi zabathengisi bamakhokhi babenezinkokhelo zokuhlawuliswa ngo-2014 no-2015).
- Ngokwezimali zentela ka-2016, noma kunjalo, i-IRS yayihlose ukuyeka ukwamukela ukubuyisa okuthula. Bazoqala ukulahla izinzuzo ezingazange zibonise ukuthi ngabe umfaki wentela unomshwalense wezempilo phakathi nonyaka (kanti nakuba i-IRS ingenayo igunya layo elijwayelekile lokuphoqa inhlawulo ye-ACA, kuhlale kungemthetho ukukhohlisa ku-IRS).
- Inkambo yokuguqulwa kwe-IRS, noma kunjalo, futhi yaqhubeka ukwamukela ukubuyiselwa okuthulile komnyaka wentela ka-2016. Bathi ukuguqulwa kwakuwumphumela oqondile we-oda lokuphatha likaTrump.
- Kodwa-ke, ukubuyiswa kwentela ka-2017, okufakwe ekuqaleni kuka-2018, i-IRS ngeke isakwazi ukubuyisa ukubuyisa okuthula. Wonke umuntu okhokhisayo intela kuyodingeka aphendule umbuzo mayelana nokuthi banemishwalense yempilo phakathi nonyaka.
Ngakho-ke nakuba kube khona ukudideka okukhulu ngokuqondene nalokho okwenzekayo ngesigwebo sokugunyazwa ngabanye ngaphansi kwezokuPhatha kweTrump, inqubo yokufaka ngokuqondene nomsebenzi ngamunye ufanelwe nokubuyiswa kuka-2014-2016, kodwa isibe sesiqinile kakhulu ekubuyiseni kuka-2017, njengoba ukubuya okuthula kuzonqatshwa. Futhi nakuba lesi sigwebo sizoqedwa ekugcineni, sizobe sesiba nesijeziso, sihlolwe ngo-2019, sabantu abahlala bengagunyaziwe ngo-2018.
Ukuqothulwa Kwesijeziso Somuntu Ngamunye Kuyokwenza kanjani Umshwalense Wezempilo?
Abameli beRiphabhliki babethula izikweletu ezihlukahlukene zokulungisa ukunakekelwa kwempilo ngesikhathi sesimiso somthetho ka-2017, okuhloswe ukuchithwa noma ukushintsha izici ezihlukahlukene ze-ACA. Ukuqeda isigwebo somuntu ngamunye kwakuyingxenye eyinhloko yalezo zimali, futhi iningi lazo lizoqeda inhlawulo, ngokuphindaphindiwe, emuva kokuqala kuka-2016. Zonke lezo zindleko zagcina zingaphumeleli, kodwa uma ukuqedwa kokubuyiswa kwesigwebo abaphumelele, abantu abakhokhele inhlawulo yokungaqinisekisiwe ngo-2016 babeyobe bewuthola ukubuyiselwa kwemali, futhi abantu bebezokwazi ukulahla ukukhishwa kwabo ngo-2017 phakathi nonyaka ngaphandle kokubhekana nesigwebo.
Kodwa-ke, umthethosivivinywa ogqitshelwe ekugcineni, uMthetho wokuThutha kanye neMisebenzi, ushiya ingxenye enkulu ye-ACA intac t. Ingxenye kuphela eguquliwe yilapho isigwebo somuntu ngamunye. Futhi ekugcineni ekuqedeni umthethosivivinywa wentela, lokho ngeke kusebenze kuze kufike ngo-2019. Abantu abangaqinisekisiwe ngo-2018 bazobe besabhekene nesigwebo lapho befaka intela zabo ezingu-2018 ekuqaleni kuka-2019.
Inothi Kusuka
Ukugunyazwa komuntu ngamunye ka-ACA akuthandi, kodwa amaphesomali omshwalense wempilo yamakethe ngamunye azobe ephakeme uma eseqedile (okwandiswa ngamaphesenti ayishumi ngonyaka ngonyaka, ngokusho kwehhovisi le-Congressional Budget Office ), njengoba ukuhlolwa kuzoqhubeka nokuqinisekiswa. Ngaphambi kuka-2014, kwakungenalo igunya, kodwa izinkampani zomshuwalense emazweni amaningi zingancipha izicelo noma zikhokhise amaphrimiyamu engeziwe asekelwe emlandweni wezobuchwepheshe.
Uma ukuphawula sekuqinisekisiwe (okusho ukuthi abahlinzeki bomshuwalense babengasakwazi ukucabanga ngomlando wezokwelapha), kwadingeka ukuba kwenziwe okuthile okuqinisekisiwe ukuqinisekisa ukuthi abantu balondoloza ukumbozwa ngonyaka. Uma kungenjalo, abantu bangase bahambe ngaphandle kokubheka uma bephilile, bese bebhalisela kuphela ukuhlinzekwa lapho bedingwa ukunakekelwa kwezempilo, okuyoholela ekukhokheni amaphrimiyamu aphakeme ( izinkathi zokubhalisa ezilinganiselwe yingxenye enye ukugqugquzela ukuqinisekisa ukuthi abantu balondoloza ukuhlanganisa ngonyaka).
Nakuba ama-premium azokhula, kusukela ngo-2019, ngokungaphezu kwalokho abazobe benakho uma ngabe isigwebo somuntu ngamunye sihlale sisekhona, izinsizakalo ze-premium zizokhula ngokukhululekile, zikhuphuke kakhulu ukwanda kwezigidi zabantu ababhalisile . Abantu abangatholi izinsizakalo ze-premium, noma kunjalo, futhi ngubani abathengisa umshwalense wabo wezempilo, bazobe bethwala ngokugcwele ama-premium aphezulu (abantu abangatholi izinsizakalo ze-premium kuhlanganisa nalabo abathintekayo yi -glitch yomndeni , egazini lokubamba i-Medicaid , kanye nabantu abahola imali engaphezulu kwamaphesenti angama-400 ezingeni lobuphofu, ngemuva kokukhipha izinkokhelo zamasu omhlalaphansi ngaphambi kokukhokhelwa intela kanye nama-HSA).
Futhi sonke sisadingeka ukuthi silondoloze umshuwalense wezempilo ngo-2018. Izijeziso zizohlolwa ekuqaleni kuka-2019, ngo-2018 ukubuyiselwa intela kwentela, kubantu abangaqinisekisiwe ngo-2018 futhi abangafanelekeli ukukhululwa. Kodwa ngisho nangemva kuka-2018, kuyoba ukuhlakanipha ukuba nomshuwalense wezempilo. Ukungenazo zokuxhumana kusho ukuthi ukunakekelwa kwezempilo ngesifo esibucayi kungenakwenzeka noma kungenakufinyeleleka, futhi kuzoqhubeka kungenakwenzeka ukubhalisa ngaphandle kokubhaliswa okuvulekile uma ungenalo umcimbi ofanelekayo . Ukugula okujulile noma ukulimala akubheki njengesenzakalo esifanelekayo.
> Imithombo:
> Insizakalo yangaphakathi yeNgeniso, Ukunikezwa Kwesabelo Somuntu Ngamunye, kubuyekezwa ngoFebhuwari 2017.
> Insizakalo yangaphakathi yeNgeniso, Inqubo Yokuthola Imali Yonyaka ka-2016-55 .
> Kaiser Family Foundation, Isifinyezo somthetho we-American Health Care Act, ngoMashi 2017.
> Koskinen, J., I-Internal Revenue Service, Incwadi yeCongress ngemiphumela yokuqala kusukela ngenkathi yokufaka isicelo ka-2015 ephathelene nokunakekelwa kwempahla enganakekelwa ngo-Okthoba 2015 . NgoJanuwari 8, 2016.
> Koskinen, J., i-Internal Revenue Service, Incwadi yeCongress mayelana nemiphumela yokuqala kusukela ngenkathi yokubhala ka-2015 ephathelene nokunakekelwa kokunakekelwa kwempahla okunganakekelwa . NgoJanuwari 9, 2017.
> WhiteHouse.gov, i-Executive Order Ukunciphisa Ukulawulwa Kwezomnotho Kokuvikelwa Kweziguli Nokwethenjelwa Kwezomthetho Okulindelekile Ukuphinda Ukuphinda, kuJanuwari 20, 2017.