Ngeke kusize ngokuhamba kwesikhathi
Ingabe ucabanga ngokulala emshwalweni wakho wenkxaso yomshuwalense wezempilo ukuze uthole imali eyisibonelelo esikhulu (aka, isikweletu somklomelo we-premium) ngakho-ke uzofaneleka ukuthola usizo uma ungakufaneleki? Nakhu kungani ungafanele.
- Uzobanjwa.
- Kuzodingeka ukhokhele insizakalo emuva.
- Ungaba nenecala lokukhwabanisa, ubugebengu obujeziswa.
Indlela Ozobe Utholwa Ukukhohlisa Ngayo Imali Yakho.
Uma ufaka isicelo somxhaso womshuwalense wezempilo, imali yakho yesibonelelo isekelwe ekulinganeni kwemali engenayo yonyaka ozayo.
Imali uhulumeni ayithumela inkampani yakho yomshuwalense wezempilo inyanga ngayinye empeleni inkokhelo ephakeme yentengo yesikweletu ongayifanele uma ufaka ukubuyela kwentela yakho kulo nyaka. Umxhaso wangempela (okungukuthi, isikweletu somthelo) akenzeki uze ufake intela yakho ekuqaleni kwonyaka olandelayo.
Uma ufaka intela yakho, i-IRS izokwazi ukubona ukuthi imali oyizuzile ngempela. Kuzoba ngamafomu akho e-W2 no-1099. I-IRS izokwazi ukuthi uzuze kangakanani emisebenzini yakho nokuthi ungakanani owaluthole kusuka ezithakazelweni nasezinhlakeni.
Okulandelayo, uthola inqubo ebizwa ngokuthi ukubuyisana . Lapho, uzoqhathanisa inani lemshuwalense wezempilo lisekela uhlelo lwakho lwezempilo olutholiwe egameni lakho ngemali eyisibonelelo esilungile esekelwe engenayo yangempela. Uma uthola okuningi ekusizeni unyaka wonke kunokuba ufanelekile ngokusekelwe engenayo yangempela, kungenzeka ukuthi ukhokhele noma yonke imali eyengeziwe onayo.
Uma imali yakho engenayo iphelela ngamaphesenti angaba ngu-400 wezinga lobuphofu lase-federal futhi ngaleyo ndlela awufanelekile ukuthola izinsizakalo nhlobo, kuzodingeka ukhokhe amaphesenti angu-100 ensizakalo eyanikezelwa unyaka wonke ngenxa yakho; uma imali yakho ingapheli ngamaphesenti angaba ngu-400 ebunini bobuphofu, i-IRS ifaka inani le-subsidy eyengeziwe ongayikhokha, kuye ngokwemali engenayo (bheka ikhasi 14 lemilayezo ye- IRS yeFomu 8962 ).
Abomthetho baye bacabangela ukuqeda lezi zinhlamvu, kodwa lokho akukaze kwenzeke.
Futhi uma inkokhelo ikhokhwa ngenxa yakho inyanga ngayinye futhi uhluleka ukufaka ifomula 8962 (ifomu lokubuyisana lokukhokha intela ye-premium) ngokubuyisela kwakho intela, izinsizakalo zakho zizonqunywa ukuya phambili kuze kube yilapho usuqedile inqubo yokubuyisana-mali. . Awukwazi ukuthola iqiniso lokuthi konke okumele kugcwaliswe nge-IRS.
Indlela ozothola ngayo ukukhohlisa mayelana nokunikezwa komshwalense wezempilo osekelwe ku-Job.
Awunelungelo lomxhaso womshuwalense wezempilo uma umsebenzi wakho unikeza umshuwalense wezempilo ongabizi futhi unikeza inani elincane. Ngumnikelo wakho womqashi womshuwalense okwenza ube ongagunyaziwe, hhayi empeleni ube nomshuwalense. Ngakho-ke, noma ngabe unqatshelwe ukuqashwa komqashi wakho ngoba kungcono ube necebo ongayithenga ekushintsheni komshuwalense wempilo yakho, uma nje umqashi wakho enikezwa ukukhokhelwa okungabizi, awuvumelekile kumxhaso wesikweletu sentela ye-premium.
Kuthiwani uma uqamba amanga futhi uthi awuzange unikezwe umshuwalense wezempilo ongabizi nge-umqashi wakho? Ungase ukwazi ukukhohlisa ukushintshaniswa ekunikezeni uhlelo lwakho lwezempilo ukukhokha kusengaphambili kwenkxaso.
Kodwa, i-IRS izokubamba, kuzodingeka uyikhokhele, futhi uzobe wenza ubuqili.
Njengoba nje bethumela ama-W2s noma ama-1099 njalo ngonyaka, abaqashi abakhulu manje bagcwalisa ifomu lestela elisha: Ifomula 1095-C . Leli fomu litshela kokubili wena kanye ne-IRS ukuthi ngabe unikwe yini umshuwalense wezempilo noma cha, kungakhathaliseki ukuthi umshuwalense wezempilo unikeza inani elincane, nokuthi ngabe lowo mshwalense wezempilo uzokubiza kangakanani. Ngalolu lwazi, i-IRS izokwazi ukuthi ngabe umnikelo womqashi wakho wokukhokhela wawungabizi futhi unikezwe inani eliphansi (inothi lokuthi ukukhokhela kuncike kwizindleko zemali ye-premium yomsebenzi, kungakhathaliseki ukuthi amalungu omndeni ayengezwa ohlelweni ; kubhekwa njengengakhokhwa uma izindleko zomsebenzi we-premium zingaphansi kwamaphesenti angama-9.56 wemali engenayo yomndeni).
Uma ngabe usukhohlise imali yokukhokhela umshuwalense wempilo yomshuwalense osezingeni eliphakeme unyaka wonke, ifomu le-1095-C lizocaca ukuthi awufanelekile kulowo mxhaso. Kuzodingeka uyikhokhele, futhi ungaba necala lokukhwabanisa.
Vele utshele iqiniso.
Imithombo:
Insizakalo yangaphakathi yeRevenue, Isefomu 1095-C Ehlinzekwa Umshuwalense Wezempilo Nomhlinzeki Wempilo.
Insizakalo yangaphakathi yeRevenue, Inqubo Yokuthola Imali 2017-36 .