I-ACA ivumela "igebe elifushane" ekubukeni-nansi ukuthi lisebenza kanjani
Umgomo oyinhloko woMthetho Wokunakekelwa Onganakekelwayo wukuthi ukwandise umshuwalense wezempilo kubantu baseMelika abaningi ngangokunokwenzeka. Kule ndaba, kube nempumelelo ephawulekayo, ngezinga elingavunyelwe ukuwela phansi ngaphansi kwamaphesenti angu-9 ngo-2016 (nakuba likhuphuke futhi ngo-2017-2018). Kusukela ngo-2010 kuya ku-2016, inani labantu abanomshwalense wezempilo e-US liye landa ngamaphesenti angama-20.
Kodwa ngenkathi ukufinyelela kumshuwalense wezempilo kubalulekile, kubalulekile futhi ukuthi abantu bagcine ukuhanjiswa kwabo phambili. Ukugcina abantu abaningi ngangokunokwenzeka echibini lobungozi-ikakhulukazi uma bephilile futhi bengadingi ukunakekelwa okusheshayo-kugcina ama-premium athengekayo. Futhi ngenkathi umshuwalense wezempilo ungashibhile, kungaba kubi kakhulu uma abantu bengalinda baze bagule ngaphambi kokuthenga.
Isijeziso Sokungaqinisekisiwe-Kusasebenza Ngonyaka ka-2018
I-ACA inezinhlayiya eziningi ngendlela yokuqinisekiswa kokukhishwa okuqinisekisiwe kanye nezinsizakalo zokwenza umsebenzi nokukhathalela okungabizi kakhulu, kufaka phakathi izinsizakalo ze-premium, nezinsizakalo zokwabelana ngezindleko. Kodwa kukhona futhi induku, ngendlela yesigwebo sezimali kubantu abahluleka ukugcina umshuwalense wezempilo nsuku zonke.
Isijeziso senziwa ngo-2014, futhi saqhubeka kancane kancane ngo-2016. Ngonyaka ka-2017 no-2018, inhlawulo yahlala ezingeni elifanayo kwaba ngo-2016.
Isijeziso sizoqedwa ngemuva kokuphela kuka-2018, noma kunjalo, ngenxa ye-Tax Cuts and Jobs Act (HR1) eyasungulwa ngasekupheleni kuka-2017. Kodwa ngo-2018, inhlawulo isasebenza , njengoba isukela ngo-2014.
Isijeziso esiphezulu sabantu abangazange baqinisekiswe ngo-2015 kwakungu-$ 470-up kusuka ku-$ 210 ngonyaka ngaphambili.
Futhi ngokusho kwedatha yokuqala evela ku-IRS , isigwebo esiphezulu sasingama-$ 667 kubantu abafake intela abakhokhisa imali yokungaqinisekisiwe ngo-2016 futhi ababethumele izintela zabo ngasekuqaleni kuka-Mashi, 2017.
Isijeziso sabantu abangazange baqinisekiswe ngo-2017 sizofana nanjengo-2016, futhi kuzoba okufanayo kulabo abangaqinisekisiwe ngo-2018.
Igebe Elifushane Emkhakheni-Lokho Kusebenza Kanjani?
Kodwa kunezizathu eziningi zokukhokhiswa kwesigwebo. Enye yazo ilungiselelo elivumela abantu ukuba babe negebe elilodwa elifushane ekufundeni phakathi nonyaka, uma nje kungaphansi kwezinyanga ezintathu ubude . Lokhu kunengqondo ngokuzenzekelayo, kodwa kusekhona amaphuzu angadinga ukucaciswa:
- Igebe ekukhunjweni kufanele libe ngaphansi kwezinyanga ezintathu ubude. Uma nje unomsebenzi okungenani usuku olulodwa enyangeni, ucatshangwa ukuthi unomsebenzi wale nyanga. Ngakho-ke, uma uhlelo lwezempilo ngomqashi wangaphambili luzophela ngomhlaka-15 Mashi (hhayi isimo esivamile sohlelo lokuphela ngolunye usuku ngaphandle kosuku lokugcina lwenyanga, kodwa kungenzeka), ungase ube engaqinisekisiwe ngo-March wonke, ngo-Ephreli, nangoMeyi wonke. Kodwa kuzodingeka ube nokufakaza endaweni kaJuni ukuze ugweme isijeziso. Futhi umshuwalense wempilo ngamunye manje utholakala kuphela ngezinsuku zokuqala zenyanga eziphumelelayo (ngaphandle uma unomntwana omusha noma uthola ingane futhi uphinde uhlehlise ukulandelana kuze kube usuku lokuzalwa / ukutholwa).
- Uthola kuphela ukukhululwa kwekhasi elilodwa elifushane ekubanjweni ngonyaka. Ngakho uma ungaqinisekisiwe inyanga eyodwa ngoJuni bese ungaqinisekisiwe futhi ngenyanga enyangeni ka-Septhemba, ngeke ukhululeke esihlalweni ngo-September.
- Uma ungaqinisekisiwe ekupheleni kuka-2017 kodwa hhayi isikhathi eside ngokwanele ukuletha inhlawulo ngo-2017, i-IRS izokwengeza leso sikhathi esikhathini esiphelele sokungena kwekhasi lakho lokufaka uma ungahlali ungaqinisekisiwe ekuqaleni kuka-2018. Ngakho-ke, uma awuzange uqinisekiswe ngoNovemba, ngoDisemba, kuJanuwari noFebhuwari, ngeke ukhokhele inhlawulo ka-2017, ngoba igebe lakho lokufakazela ngalo nyaka langezinyanga ezimbili nje kuphela (ucabanga ukuthi u-insured kusukela ngoJanuwari kuya ku-Okthoba). Kodwa igebe lakho lokungena ngo-2018 lizoqala kusukela ngoNovemba, futhi lizoba njengezinyanga ezine-futhi uzothola inhlawulo. Uma igebe lakho lizofakwa ekupheleni konyaka ka-2017 lide ngokwanele ukuthi ukhokhelwe inhlawulo (isibonelo, Okthoba, Novemba, Disemba), khona-ke igebe lakho elizofakwa ngonyaka ka-2018 lizoqala ukubala ngoJanuwari-okungukuthi, ngeke phinda kabili izinyanga ezifanayo, kepha awukwazi ukubeka izikhala ezimbili ezinyangeni ezimbili emuva kokuqala / ekuqaleni konyaka futhi ugweme isijeziso.
- Uma igebe lakho ekubhaleni lihlala izinyanga ezintathu noma ngaphezulu, uzothola inhlawulo, futhi izosebenza kuyo yonke igebe. Inani lesikweletu lihlelwe ngokusekelwe ekutheni ungaqinisekisiwe isikhathi esingakanani (1/12 yesigwebo saminyaka yonke, ukwandiswa yinani lezinyanga ongazange uqiniseke ngazo), kodwa uma igebe lakho lizofakwa ezinyangeni ezintathu noma ngaphezulu, awekho izinyanga ezingavunyelwe akhululwe esijezisweni.
- Inkokhelo yonyaka ogcwele ngo-2018 ingaphezulu kwe : $ 695 umuntu omdala ongaqinisekisiwe (isigamu leso semali yengane), kuze kufike ku-$ 2,085 wonke umndeni wentela, noma u-2.5% wemali engenayo yasendlini ngaphezu kwensimu yokufaka intela (lena okufana nezijeziso zango-2016 no-2017; nakuba isilinganiso sendawo sasikelwe ukwandisa ukukhuphuka kwemali minyaka yonke kusukela ngo-2017, i-IRS yacacisa ukuthi ukukhuphuka kwezezimali ngonyaka ka 2017 no- 2018 kwakuyizero, ngakho inkokhelo ayizange ishintshe). Isijeziso sakho sanyangazonke esiphezulu yi-1/12 yesamba sentengo yonyaka. Uma unesiphakamiso sokubanjwa kwezinyanga ezintathu noma ngaphezulu (futhi awufanelekile kwenye yezinye ukukhululwa kulesi sijeziso), kuzodingeka ukhokhe u-1/12 wezikhathi zokukhokha inani inani lezinyanga owake waba nazo uninsuredured. Isijeziso siqoqiwe uma ufaka ukubuyiswa kwentela yakho (uma ukhokhwa ukubuyiselwa kwemali, i-IRS izokhipha isinqumo kumbuyiselo wakho).
- Uma unesiphakamiso esifushane esisodwa esitholakala ngaphansi kwezinyanga ezintathu, ungafaka isicelo sakho sokukhokha ekuhlawulweni uma ufaka ukubuyiswa kwentela yakho.
Ingabe i-Congress ayizange iphinde isetshenziswe?
Yebo, iCongress yachithwa isigwebo somuntu ngamunye, ngokwemigomo ye-Tax Cuts and Act Act, eyenziwe ngoDisemba 2017. Ngokusemthethweni, lo mthetho wawugcina igunya lomuntu ngamunye endaweni yakhe-umthetho uthi abantu kufanele baqhubeke nokuqashwa-kodwa inhlawulo incishisiwe ibe ngu-$ 0 ngomthetho.
Kodwa lokho kuhlinzekwa komthethosivivinywa wentela akusebenzanga kuze kufike ngo-2019. Abantu abangaqinisekisiwe ngo-2018 futhi abangafanelanga ukukhishwa kwesigwebo bazobe besabhekene nesigwebo lapho befaka ukubuyiswa kwentela yabo ngo-2018 ekuqaleni kuka-2019.
Futhi nakuba izinsuku zezinhlawulo zibalwa, i-IRS empeleni iqhubekele ukuqiniswa kwesigwebo ngo-2018. Kusukela ngo-2017 ukubuyisa intela (kufakwe ekuqaleni kuka-2018), i-IRS ayisekho ukwamukela ukubuyisa okungaphenduli umbuzo mayelana nokuthi Umfaki wentela wayenomshuwalense wezempilo phakathi nonyaka. Eminyakeni eyandulela, i-IRS yavumela ukuthi lezo zibuyekezo zizocutshungulwa, kodwa lokho akusasekho.
> Imithombo:
> Izikhungo Zokulawulwa Kwezifo, Isikhungo Sikazwelonke Sezibalo Zempilo. Umshuwalense wezeMpilo: Ukukhululwa kokuqala kwezilinganiso ezivela ku-National Health Survey Survey, ngo-2016 .
> IRS, Inqubo Yokuthola Imali Yezimali 2016-55 .
> UKhomishini we-IRS, uJohn Koskinen. I-letter to Congress mayelana nezinkokhelo kanye ne-APTC izinkokhelo ze-2014 intela r. NgoJanuwari 8, 2016.
> UKhomishini we-IRS, uJohn Koskinen. I-letter kuya kwi-Congress mayelana nezinkokhelo kanye ne-APTC izinkokhelo zonyaka ka-2015. NgoJanuwari 9. 2017.
> UMgcinimafa Umhloli Jikelele Wokuphathwa Kwezezimali. Imiphumela Yesikhashana ye-2017 Yokufaka Isizini . Mashi 31, 2017.