Bala ukuthi uzothola malini uma umndeni wakho ungenayo umshuwalense wezempilo
Ingabe umndeni wakho kufanele ukhokhe intela yentela yokungena umshuwalense wezempilo? Ngakanani umshwalense wempilo yomshuwalense wempilo? Ingabe kuyoba eshibhile ukuhamba ngaphandle komshuwalense wezempilo womndeni bese ukhokha inhlawulo, noma ukuthenga umshuwalense wezempilo?
Ukwazi inani lesigwebo sakho kungakusiza isabelomali, kodwa ukubala inhlawulo yomndeni kungaba yinkimbinkimbi kunokubala isijeziso somuntu ngamunye .
Ingemuva
Ingxenye ephikisanayo ye- Care Affordable Act , igunya lomuntu ngamunye lidinga amaMelika ukuthi abe nomshuwalense wezempilo. Labo abangenayo i-coverage babhekene nentela yenhlawulo, ukukhokhwa kwemfanelo okwabiwe . Abanye baseMelika bakhululekile emfunweni wokuthola umshuwalense wezempilo; i-IRS yaphawula ukuthi ngonyaka wokubika ka-2014, abafaki bamakhokhi abayizigidi ezingu-7.5 babhekene nesigwebo, kodwa abanye abayizigidi ezingu-12 bathi baxoshwa ekujezisweni.
Isimo ngasinye sinomshwalense wempilo yomshuwalense ukusiza imindeni nabantu ngabanye bathole umshwalense. Ukuxhaswa kuyatholakala ukusiza imindeni ephansi engenayo ukukhokhela umshwalense wezempilo. Kodwa, uma ujwayele ukuhamba ngaphandle komshuwalense futhi ungafaneleki ukuthola usizo, kuzodingeka ukhiphe le ntela entsha ngaphandle kwesabelomali somndeni noma uzokhokhwa intela yentela.
Indlela Yokubala Isijeziso Somshuwalense Wezempilo Lomndeni
Okokuqala, sibheke ithebula lesigwebo ngezansi.
Bese-ke, funda ukufunda ukuthi ungayisebenzisa kanjani ukuze ungakhokhi kakhulu.
| Unyaka ka-2014 | Unyaka ka-2015 | Unyaka wezi-2016 | Ngemuva kuka-2016 | |
|---|---|---|---|---|
| inkokhelo esekelwe engenayo | I-1% yengeniso ngenhla yokufaka umkhawulo | Amaphesenti angu-2 engeniso ngaphezu kokufaka isikhala | 2.5% yengeniso ngenhla yokufaka umkhawulo | 2.5% yengeniso ngenhla yokufaka umkhawulo |
| inani eliphansi lesigwebo | $ 95 | $ 325 | $ 695 | $ 695 + ukulungiswa kwezezimali |
Inkokhelo umndeni wakho izokweleta isamba esincane esinqunyiwe noma iphesenti lemali engenayo yomndeni wakho, noma yikuphi okukhulu . Inkokhelo yephesenti-ye-engenayo ngokuvamile ihlaba imindeni ephakathi noma ecebile. Iqinisekisa ukuthi isijeziso asiyona encane nje kuyisisulu. Isijeziso esincane esinqunyiwe ngokuvamile sihlasela imindeni ephansi engenayo. Iqinisekisa ukuthi wonke umuntu ukhokha okungenani isigwebo esincane.
Nakhu ukuthi uthola kanjani isijeziso somndeni wakho.
- Bala inani eliphansi lomndeni.
- Bala inani lokukhokhelwa kwephesenti lomndeni.
- Qhathanisa imiphumela emibili; uzoba nenkokhelo enkulu kunazo zonke.
Indlela Yokubala Isijeziso Esincane Esomndeni
Ukubala isigwebo esincane somndeni, engeza ndawonye inani lesigwebo somuntu ngamunye ilungu lomndeni usebenzisa inhlawulo yonyaka ofanele kusukela etafuleni elingezansi.
Imithetho emibili yenza inhlawulo encane yomndeni incane:
- Isijeziso esisodwa sinciphise izingane ezingaphansi kweminyaka engu-18 ubudala.
- Isijeziso esincane somndeni sithathwa kathathu ngesigwebo ngasinye.
Isibonelo
UTom noSandy banezingane ezintathu ezincane. Akekho emkhayeni onomshuwalense wezempilo. Kudingeka ukubala isigwebo esincane somndeni sonyaka ka-2015.
Ithebula libonisa ukuthi inhlawulo encane i-$ 325 yomuntu ngamunye emndenini.
Kodwa, abantu abadala kuphela abakhokhela imali egcwele. Inhlawulo encane yezingane ngayinye iyingxenye leyo mali, noma $ 162.50.
I-$ 325 (ye-Tom) + $ 325 (ye-Sandy) + $ 162.50 (enganeni engu-1) + $ 162.50 (yezingane ezimbili) + $ 162.50 (enganeni engu-3) = $ 1,137.50 (yomndeni)
Kodwa, isigwebo esincane somndeni sikhoxisa izikhathi ezintathu isigwebo esisodwa, noma $ 325 x 3 = $ 975. Kusukela ku-$ 1,137.50 kukhulu kune $ 975, bazosebenzisa u-$ 975 ngenani lemali encane yomndeni wabo njengoba behamba phambili ngezibalo zabo.
Indlela Yokubala Amaphesenti We-Percentage-of-Income Penal Family
Khombisa inhlawulo yephesenti-ye-engenayo yomndeni ngokusekelwe yinzuzo yonke yomndeni.
Kusukela etafuleni elingezansi, iphesenti lesigwebo sika-2015 lingu-2% wemali engenayo ngaphezu kwensimu yokufaka.
- Ithiphu: Ungakhokhi uhulumeni kakhulu. Khokha kuphela inhlawulo yomshuwalense wezempilo engxenyeni yengeniso yakho ephezu kwesihlalo sokufaka. Susa isikhwama sokungena kumholo wakho ngaphambi kokubala inhlawulo.
- Ithiphu: Umbundu wokufaka inani lemali engenayo elikudingayo ukuba ufake ibuyisela intela. Abantu abanemali engenayo ngaphansi kwembundu yokufaka akudingeki bafake ukubuya kwentela engenayo; labo abanemiholo engaphezu komngcele kumele bafake.
- Ithiphu: Isibalo sokufaka u-2015 singu-$ 10,300 amafayili angashadile, i-$ 13,250 yezihlungi zendlu, futhi $ 20,600 kumibhangqwana eshadile efaka ngokuhlanganyela. Kweminye iminyaka, ungathola umthamo wokufaka unyaka wombuzo osuka encwadini ye-501 kumafomu we-IRS kanye nekhasi lezincwadi.
Isibonelo
UTom noSandy babamba imali eyizigidi ezingu-100 500 ngonyaka ka-2015. Bafaka izintela zabo njengombhangqwana oshadile befaka ngokuhlanganyela, ngakho-ke bazosebenzisa u-$ 20,600 njengendlela yokulinganisa umkhawulo wabo wokufaka, bawukhipha emalini yabo ngaphambi kokubala iphesenti.
$ 100,500 - $ 20,300 = $ 80,200
Imali engenayo yomndeni - isibalo sokufaka = ingxenye yengeniso yabo ukuze ihlawulwe.
$ 80,200 x 0.02 = $ 1,604
Ingxenye yemali engenayo ukuze ihlawulwe x inhlawulo engu-2% (0.02) = inkokhelo yephesenti yenzuzo.
Ukukudonsa konke okuhlangene: Yazi ukuthi uzokwenzani
Manje ukuthi ulinganise isigwebo esincane somndeni wakho kanye nesaphulelo semali yephesenti yomndeni wakho, udinga ukuqhathanisa nabo. Ukukhokha komthwalo wakho womndeni wakho okwabelwana kuzobe kusekelwe emikhulu yalezo zimali ezimbili.
Kunezimo ezimbalwa ezingase zinciphise isigwebo somndeni wakho.
- Ingabe umndeni wakho uyoba nomshuwalense wezempilo ingxenye yengxenye?
Khokha kuphela inhlawulo izinyanga umndeni wakho awuqinisekisiwe. Isibonelo, uma umndeni wakho ungaqinisekisiwe izinyanga eziyisikhombisa zonyaka, uzokhokha kuphela ama-twelfths ayisikhombisa enhlawulo yomshuwalense wezempilo wonyaka. - Ingabe unesijeziso esikhulu?
Ijeziso lixoshwa ngezindleko zemali yomndeni we-bronze-tier yalowo nyaka. Lesi shintsho sishintsha njalo ngonyaka, kodwa ungakwazi ukulinganisa usebenzisa imali ka-$ 1,020 ngenyanga noma $ 12,240 ngonyaka ngomndeni wezihlanu noma ngaphezulu. Kumikhaya enabantu abangaphansi kwayisishiyagalombili, sebenzisa izindleko zezwe zethusi-tier abantu ngabanye ($ 207 ngenyanga noma $ 2,484 ngonyaka) bese wandisa ngenani labantu abangaqinisekisiwe emndenini. - Ayikwazi ukuthola umshuwalense wezempilo ongabizi?
Uma ungatholi umshwalense wempilo yomndeni obiza imali engaphansi kuka-8.13 wamaphesenti omholo wakho wendlu ngo-2016 (amaphesenti angu-8.16 ngo-2017), umndeni wakho ungase ukhululeke esihlalweni. Inani lamaphesenti angu-8.13 lisekelwe kulokho umndeni wakho okumele ukhokhele ukukhokhelwa, hhayi ngezindleko ngaphambi kokunikezwa komqashi noma izinsizakalo ze-premium.
Isibonelo
Isijeziso somndeni esincane sikaTom noSandy ngo-2015 sasingu-$ 975. Inhlawulo yephesenti yomndeni wabo-engenayo imali yayingu-$ 1,604. Njengoba inkokhelo yabo yephesenti-ye-engenayo iyinkulu kunesijeziso esincane, yilokho inani lesigwebo somndeni wabo lizosekelwe. Uma umndeni wabo ungaqinisekisiwe unyaka wonke, babezokhokhwa ukukhokhwa komthwalo wemali ohlanganyelwe we $ 1,604 lapho befaka intela yabo yentela ka-2015 ngo-Ephreli 15, 2016.
I-$ 1,604 ekhokhwayo ingaphansi kwezindleko ezilinganiselwe zikazwelonke zesimiso sezempilo se-bronze-tier somndeni wamahlanu ($ 12,240) ukuze ikhefu lesigwebo lingathinti.
Kodwa-ke, uma bekungagunyaziwe kuphela ingxenye yonyaka, isijeziso sabo sasizoba sincane. Ake sithi iSandy ishintshe imisebenzi ngoJulayi, futhi umqashi wakhe omusha unikeza umshuwalense wezempilo. Uma wonke umndeni wawuhlanganiswa nomshuwalense wezempilo kusukela ngoSeptemba, ngakho-ke abazange baqinisekiswe kuphela ezinyangeni eziyi-8 zokuqala zonyaka. Kulesi simo, kufanele bakhokhele inhlawulo yesabelo sonyaka ababengenakho ukufakaza.
$ 1,604 x 8/12 = $ 1069.33
Isijeziso sonyaka sonyaka x ingxenye yonyaka abazange baqinisekiswe ngayo = isigwebo somndeni sokugcina esasikhokhwa.
Kulesi simo, uTom noSandy banomthwalo wokukhokha ohlanganyelwe we $ 1069.33 ngoba umndeni wabo wawungekho ukukhokhelwa komshuwalense wezempilo ezinyangeni ezingu-8 zika-2015. Ngokwezintela zabo zentela ka-2015, le ntela yesikhotho yenziwa yi-IRS ngo-Ephreli 15, 2016.
> Imithombo:
Ikhodi yase-US 2011, Isihloko 26, Isihloko sombhalo D, Isahluko 48, sec5000A
> I-IRS: Imibuzo nezimpendulo kuhlinzekwa ngabomunye ngabanye
> I-IRS: Ukuhlinzekwa komuntu ngamunye okwabelwana ngokuhlanganyela - Ukubika nokubala Ukukhokha.
> I-IRS: Inqubo Yokuthola Inzuzo 2014-62 kanye Nendlela Yokuthola Inzuzo 2016-24 .
> Koskinen, John, Insizakalo yangaphakathi yeNgeniso, Incwadi eya eNkongweni, Julayi 17, 2015.
> Umbiko we-Congressional Research Service: I- Mandate Individual kanye Nezidingo Ezihlobene Nokwaziswa Ngaphansi kwe-PPACA