Mulibe Chilango mu 2017, Ngakhale Olemba Olemba GOP Akufuna Kuwukonza
Chimodzi mwa zovuta kwambiri pazochitika za Care Affordable Care Act ndizogawidwa ndi udindo, zomwe zimatchulidwa ngati chilango cha munthu aliyense. ACA imafuna kuti anthu ambiri asunge inshuwalansi ya umoyo kapena kulipira chilango.
Izi zinagwira anthu ena mosadziwa pamene adawombera misonkho yawo ya 2014 - adapeza njira yovuta pamene anazindikira kuti ali ndi ngongole chifukwa chosakhala ndi inshuwalansi ya umoyo mu 2014.
Popeza kulembetsa kwa anthu a ku 2015 kunatha kale anthu ambiri a ku America atapereka msonkho wawo wa msonkho chaka cha 2014, boma linapereka mwayi wolembetsa nthawi yapadera m'chaka cha 2015, kuti anthu athe kupeza mwayi wolembetsa mu 2015 ngati atangomva kumene chilango pamene iwo anapereka msonkho.
Panthawi imeneyi, pakati pa chaka chachitatu cha ACA kukhazikitsidwa ndi pakati pa GOP kuyesa kubwezeretsa ndikuthandizira ACA, kuzindikira kuti udindo womwe wapatsidwa wapamwamba kwambiri kuposa umene unalipo chaka cha 2014. Koma pali chisokonezo chachikulu za chilango chochuluka ndi momwe zidzakhalira mtsogolomu, poganiza kuti sizinasinthidwe.
Chiwerengero cha Chilango mu 2014 chinali $ 200
IRS inanena kuti wolemba msonkho wamba yemwe anali ndi ngongole yothandizira chilango cha 2014 anali ndi chiwerengero cha chilango cha madola 200. Izi zimadalira kuti chilango cha 2014 chinali chachikulu kwambiri cha madola 95 pa munthu wamkulu wosatetezedwa (theka la ndalamazo kwa mwana), kapena 1% ya ndalama zapakhomo pa msonkho.
Chiwerengero cha chilango mu 2015 chinali $ 470
Chilango chinali chokwanira kwambiri kwa anthu omwe sanatsitsikidwe m'chaka cha 2015. IRS inati anthu ambiri omwe amapereka msonkho amene anali ndi ngongole yogawa chilango cha chaka cha 2015 anali ndi chilango cha ndalama zokwana $ 470-zochuluka kuposa kaŵirikaŵiri chilango chapakati pa chaka.
Koma uthenga wabwino ndi wakuti anthu ochepa adzalangidwa chigamulo mu 2015. IRS inati anthu pafupifupi 6,5 miliyoni a msonkho amafunika kulandira chilango pakubweranso kwawo kwa 2015, poyerekeza ndi pafupifupi 7.5 miliyoni omwe adzalandira chilango pa 2014.
Chilango Choyembekezeredwa Kukhala Pafupifupi $ 1,000 kwa 2016
Chilangochi chinakwera mobwerezabwereza kwa anthu omwe analibe inshuwalansi yaumoyo mu 2016. Kwa anthu omwe sali olimbikitsidwa mu 2017, chilangocho chikhalabe chimodzimodzi mu 2016.
Msonkho wa 2016 wa msonkho watha, koma sitidziwa momwe chilango cha 2016 chikhalire chinali mpaka IRS itatha kulembetsa deta. Koma tikhoza kulingalira, ndipo chiwerengerochi chimatsimikizira kuti anthu omwe sanatsitsikidwe mu 2016 anakumana ndi zilango zazikulu pamene adawombera misonkho yawo 2016 kuposa momwe adayang'anirana zaka zapitazo.
Kafukufuku wa Kaiser Family Foundation wa December 2015 adanena kuti chilango cha 2016 chidzakhala $ 969 pa msonkho kwa anthu omwe sanatsitsimulidwe mu 2016 ndipo anali "malonda oyenerera" (pa gululo, kusanthula kunapatula anthu omwe ali oyenerera Medicaid, Kusiyana kwa malire chifukwa mayiko awo sanakwanire Medicaid, kapena akuyenera kulandira chithandizo kudzera mwa abwana awo).
Choncho chilango cha 2016 chidayembekezeredwa kukhala pafupifupi madola chikwi, ndipo sichigula kanthu konse ...
anthu omwe ali ndi ngongole adakali osatsimikiziridwa ndipo alibe chitetezo ngati atha kukhala ndi chithandizo chamankhwala chachikulu chaka chonse.
Chilango chenichenicho chimasiyanasiyana malinga ndi kukula kwa banja ndi ndalama (mungathe kuwerengera chilango cha vuto lanu), koma chiwerengero chogwiritsira ntchito kulanga chilango mu 2015 ndi 2016 chinachititsa kuti chilango chachikulu chikhale chachikulu kuposa chaka cha 2014:
- Mu 2015, chilango chinali chachikulu cha madola 325 pa munthu wamkulu wosalimbikitsidwa ndi $ 162.50 pa mwana wosalimbikitsidwa (kufika pa $ 975 pakhomo lililonse), kapena 2 peresenti ya pakhomo pakhomo la msonkho.
- Mu 2016, chilango chinali chachikulu cha madola 695 pa munthu wamkulu wosalimbikitsidwa ndi $ 347.50 pa mwana wosalimbikitsidwa (kufika pa $ 2,085 pakhomo lililonse), kapena 2.5 peresenti ya pakhomo pakhomo la msonkho.
- Kuyambira mu 2017, chiwongoladzanja cha chiwongoladzanja chimawongolera kuwonjezeka kwa mitengo, koma 2.5% ya chilango cha pakhomo cha pakhomo amakhalabe pamtunda umenewo kupita patsogolo. Kwa 2017 kokha, IRS inatsimikizira kuti sipadzakhalanso kusintha kwa chiwongoladzanja kwa flat rate rate penalty. Kotero chilango cha kusavomerezedwa mu 2017 ndi chimodzimodzi monga zinaliri mu 2016.
- Poganiza kuti chilango cha ACA payekha sichichotsedwa, anthu ayenera kuyembekezera kusintha kwa chiwongoladzanja ku chiwongoladzanja cha chiwerengero cha 2018 (ie, chidzakhala chapamwamba kuposa $ 695 pa munthu aliyense), koma chiwerengero cha 2.5% cha chilango cha ndalama chidzakhalabe m'malo.
Chilango chimachotsedwa kubwezeredwa
Ngati mutenga ndalama kuchokera ku IRS pa nthawi ya msonkho, chilango chogawidwa chogawidwa chichotsedwa kuchoka ku kubwezera kwanu. Otsatsa msonkho 80% amapeza ndalama zowonjezera, zomwe zakhala pafupifupi $ 2,800 m'zaka zaposachedwa - zowonjezera zokwanira kuti zikhomere chilango chokwanira choyenera ndi osowa msonkho osatetezedwa.
Zindikirani mmalo mwake
Ngati simukulimbikitsidwa ndikuganiza kuti mutsala pang'ono kutero, onetsetsani kuti mukudziwa kuti chilango chanu chidzakhala chotani mukamapereka misonkho chaka chotsatira. Makamaka ngati muli oyenerera kulandira ndalama zowonjezereka pogwiritsa ntchito kusinthanitsa, mungapeze kuti chilango chomwe mungakakamize kulipira chingakhale chokwanira kuti muthe miyezi yambiri ya ndalama zothandizira inshuwalansi ya umoyo-m'malo mopereka chilango ndi kupeza kanthu phindu lonse.
Lembani mwachindunji ngati mukuyenerera ndalama, kapena ngati mukuganiza kuti mwayi wanu ukhoza kukupatsani mwayi wodalirika pakapita nthawi m'chaka. Koma ngati muli otsimikiza kuti mulibe mwayi wopereka ndalama zothandizira ndalama, mungathe kuganiziranso ntchito zotsatsa malonda (zopereka zothandizana ndi ndalama zowonjezereka ngati ndalama zanu sizingapitirire msinkhu wa umphaŵi wadzai 400% $ 98,400 kwa banja la anai).
Kodi chilango cha ACA chidzapitirirabe?
Kwa nthawi yomweyi, pakadalibe chilango chosavomerezedwa mu 2017 . Koma American Health Care Act (AHCA), yomwe inadutsa Nyumbayi mu May 2017 ndipo ikuyang'aniridwa mu Senate , idzachotsa chilango mofulumira kumayambiriro kwa 2016.
Ngati lamuloli liyenera kukhazikitsidwa, IRS iyenera kubwezera zilango zomwe zinasonkhanitsidwa mu nyengo ya kufikitsa msonkho ya 2017, popeza izo zinayesedwa kwa anthu omwe analibe chithunzi mu 2016. Malingana ndi Congressional Budget Office, kubwezeretsa kubwezeretsa za chilango cha munthu aliyense payekha chidzachititsa kuti anthu pafupifupi 1 miliyoni amalekeze kufotokozera pa msika wina aliyense mu 2017, ndipo anthu 8 miliyoni ochepa akulembetsa malonda payekha mu 2018.
Chotsatira chake, CBO imalinganiranso kuti ndalama zothandizira inshuwalansi payekha pamsika zikanakwera ndi 20 peresenti mu 2018 (kuphatikizapo kuwonjezeka kulikonse komwe iwo akanawona pansi pa lamulo lino), chifukwa anthu omwe angayambe kutaya ntchito angakhale olembetsa wathanzi omwe ali ofunikira kuti athetse batala loopsya.
> Zotsatira:
> Congressional Budget Office, HR1628, American Health Care Act wa 2017, Zomwe Zimagwiritsidwa Ntchito . May 24, 2017.
> Mapulogalamu apakati a zapakhomo, ndondomeko ya msonkho 2016-55 .
> Kaiser Family Foundation, Mtengo wa Chigamulo cha Munthu Aliyense Chokhalira Wosagonjetsedwa. December 9, 2015.