I-Premium Tax Credit Ngokuvamile ibhekwa njengeNsizakalo
Ikhredithi yentela ye-premium iyingxenye ye-Care Affordable Act Act ( Obamacare ). Kuvame ukubhekwa njenge- premium subsidy , futhi yakhelwe ukusiza ukwenza amaphrimiyamu omshwalense wempilo angabizi kakhulu kubantu abaphakathi nalabo abahola imali encane (imigomo "engenayo imali" kanye "neklasi eliphakathi" yizithobayo; ukucacisa, izikweletu zentela ye-premium etholakalayo kubantu abanezindleko zomndeni njengamaphesenti angama-400 ezinga lobuphofu.
Lokho kungu-US $ 98,400 emndenini wesine ngo-2018)
Nakuba abameli beRiphabhuliki basebenzise okuningi ngo-2017 bezama, bengaphumeleli, ukususa i-ACA, akukho lutho mayelana nomthetho olushintshile isikhathi. Ikhredithi ye-premium yentela yase-ACA isatholakala ngo-2018, futhi emazweni amaningi, izikweletu zikhulu kakhulu ngo-2018 kunokuba zikhona eminyakeni eyandulela . Ngakho ake sibuke ukuthi yikuphi isikweletu sentela yesikhokhelo nokuthi isebenza kanjani:
I-ACA's Premium Tax Tax
Insizakalo iyatholakala kuphela kubantu abanemali engenayo eguquliwe ehleliwe kusukela kumaphesenti angu-100 kuya ku-400 ezingeni lobuphofu elisemthethweni (emazweni angu-31 naseDkt lapho iMedicaid isandisiwe ngaphansi kwe-ACA, isikhokhiso esiphansi sokufaneleka kwekhredithi yentela ye-premium ngamaphesenti angu-139 izinga lobuphofu, ngoba i-Medicaid ihlanganisa abantu abangaphansi kwezinga). Ukwengeza, insizakalo iyatholakala kulabo abathengwa umshuwalense wezempilo ngokusebenzisa ukushintshwa komshuwalense wezempilo kuhulumeni esifundazweni ngasinye.
[phawula ukuthi inkokhelo yentela ye-premium itholakala kubafaki bamuva abasemthethweni e-US kepha abanenzuzo engaphansi kwezinga lobuphofu. Leli lungiselelo lengezwe ku-ACA ngoba abafuduki bakamuva abakufanelekeli i-Medicaid baze babe se-US okungenani iminyaka emihlanu.]
Uma ufanelekile kusibonelelo somholo wesikweletu se-premium, ungakhetha ukuthi ukhokhwe kusengaphambili inkampani yomshuwalense wezempilo inyanga ngayinye. Lokhu kuzokwehlisa imali oyodingeka uyikhokhele ama-premium inyanga ngayinye. Noma, ungakhetha ukuwuthola njengemali encane ehlanganiswe nembuyiselo yakho yentela yenzuzo. Kungakhathaliseki ukuthi yikuphi, kuyisikweletu sentela ekhokhelwa kabusha, okusho ukuthi uyitholile ngisho noma idlula imali okhokhwa ngayo intela yentela.
Ufuna ukufunda kabanzi mayelana nenkokhelo yentela ye-premium? Thola ukuthi ufanelekile, ukuthi ungayifaka kanjani, ukuthi unjani isikweletu, nokuthi kungani kufanele ukhokhe ingxenye yesikweletu ngokufunda, " Umshwalense Wenkxaso Yomshwalense Wenkokhelo Yenkokhelo Yenkokhelo? "
" Ngingayithola Yini Usizo Lokukhokhela Umshwalense Wezempilo? "Uzokunika ulwazi oluthe xaxa mayelana nezinhlelo zikahulumeni, kufaka phakathi isikweletu somklomelo we-premium, ukusiza abantu abaphansi nabangaphakathi abayithole umshuwalense wezempilo ngaphandle kokuphuka.
Obeye aziwe njengo
Uma ukhokha intengo egcwele yokuthenga kwakho okuthengiselana ngawo wonke unyaka bese ucela isikweletu ngokubuyisela intela yakho, kuthiwa yi-credit premium tax (PTC).
Kodwa abantu abaningi bakhetha ukuthi isikweletu sikhokhwe kusengaphambili, ngqo kubathwali bomshuwalense wezempilo inyanga ngayinye (lokho kunciphisa inani ababhalisile okufanele balikhokha ngenyanga yokuqala).
Kuleso simo, kubizwa ngokuthi i-credit premium tax tax (APTC).
Noma ngabe yikuphi, isikweletu somthelo ngokuvamile sibizwa ngokuthi yi-premium subsidy, noma ngezinye izikhathi nje "uxhasomali lwe-ACA." (nakuba kunesinye isibonelelo se-ACA esisebenza ekunikezeni izindleko futhi akufanele sidideke nekhredithi yentela ye-premium).
Ubani Abafanele?
Njengoba kuchaziwe ngenhla, isikweletu sentela se-premium sitholakala kuphela kubantu abathola imali engenayo engaguqukiyo engadluli ezingamaphesenti angu-400 ezingeni lobuphofu elisemthethweni, kanti okungenani amaphesenti angu-100 ebuningi bobuphofu (amaphesenti angu-139 emazweni asandise iMedicaid) .
Ngaphezu kwalokho, isikweletu somholo se-premium sitholakala kuphela uma kunesidingo ukuze wenze uhlelo lokubheka (uhlelo lwesibili lwesiliva eliphansi kunazo zonke endaweni yakho) elingabizi ngokusekelwe emibhalweni ye-ACA.
Izinga lobuphofu laseSweden lishintsha njalo ngonyaka, futhi lusekelwe ebukhulu bomndeni wakho.
Ungabheka idatha ye-FPL lapha, futhi leli shidi lifaka amaphesenti ahlukene obukhulu bobuphofu obuwusizo ekunqumeni ukufaneleka kwekhredithi yentela ye-premium.
Amanani e-FPL wonyaka odlule asetshenziselwa ukunquma ukufaneleka kwekhredithi yentela ye-premium. Ngakho-ke, noma ubani ofuna isicelo se-2018 uzosebenzisa izinombolo ze-2017 FPL. Lokhu kuyiqiniso kungakhathaliseki ukuthi babhalisile ngoNovemba 2017 noma babhalisa ngoJulayi 2018 ngenxa yomcimbi ofanelekayo
Usebenzisa amazinga ka-2017 FPL:
- Ungakwazi ukuthola umxhaso womshuwalense wezempilo njengomuntu onomholo we-$ 12,060- $ 48,240 (umngcele ophansi u-$ 16,643 uma usesimweni esandise iMedicaid).
- Abashadile banelungelo lokuthola imali engu- $ 16,240- $ 64,960 (umngcele ophansi u-$ 22,412 uma usesimweni esandise iMedicaid).
- Umndeni wabathathu abahola u-$ 20,420- $ 81,680 ufaneleka (umngcele ophansi u $ 28,180 uma usesimweni esandise iMedicaid).
Ukuze uhlole ukuthi ingakanani isikweletu sakho sokukhokha intela , kufanele wazi:
- Igalelo lakho elilindelekile mayelana nezindleko zemshuwalense wakho wezempilo (kuxhomeke kwimali engenayo, futhi ichazwa lapha)
- Izindleko zepulani lakho lokuhlola uphawu lokuhlola
Uhlelo lwakho lokubheka uphawu luhlelo lwezempilo lwe - silver-tiered kanye nama-premium aphansi kakhulu ngenyanga. Ukushintshaniswa komshwalense wakho wezempilo kungakutshela ukuthi yiliphi uhlelo nokuthi libiza kangakanani.
Isamba sakho sekhredithi yentela ye-premium (aka aka premium subsidy) umehluko phakathi komnikelo wakho okulindelekile kanye nezindleko zesicwangciso sokubheka endaweni yakho. Ungafunda kabanzi mayelana ne-Premium Tax Credit lapha .
> Imithombo:
> Healthcare.gov. Funda uMthetho Wokunakekelwa Onganakekelwa (Umbhalo Ophelele Womthetho Wokunakekelwa Onganakekelwayo noMthetho Wokubuyisana).
> Isikhungo Sezisebenzi ze- UC Berkeley, Imali Elinganiselwe Yokuguqulwa Kwemali Eshintshiwe Ngaphansi Komthetho Wokunakekelwa Ongenakusiza . Julayi 2014.
> UMnyango wezeMpilo waseMelika kanye Nezinsizakalo Zabantu, iHhovisi loMsizi Wezinhlelo Zokuhlela Nokuhlola. Izinkombandlela zaseNtshonalanga ze-US ezisetshenziselwa ukucacisa ukufaneleka kwezezimali kwezinye izinhlelo zikahulumeni. NgoJanuwari 26, 2017.