Malamulo a Kusintha kwa Zaumoyo Amaphatikizapo Malamulo Othandizira Zaumoyo
Chimodzi mwa zotsutsana kwambiri ndi Zopindulitsa Care Act ndi nkhani ya udindo wa inshuwaransi - chofunika kuti kuyambira 2014, onse a ku America ayenera kukhala ndi chithandizo chaumoyo.
Anthu ambiri m'dzikoli ali ndi inshuwalansi ya umoyo kudzera mu ntchito kapena ndondomeko ya anthu monga Medicare ndi Medicaid, ndipo izi zinali zisanafike chaka cha 2014 pamene ntchito yoyendetsera ntchitoyo ikugwira ntchito.
Choncho, udindowu umalowera gawo la Amereka omwe analibe inshuwalansi zisanafike chaka cha 2014, komanso omwe sanatsitsimikizidwe zaka zotsatira.
Kodi Ndiyenera Kukhala ndi Inshuwalansi Yathanzi?
Kuchokera mu 2014 nzika zonse za US ndi malamulo akufunika kukhala ndi "zofunikira kwambiri," zomwe zimaphatikizapo kufalitsa ntchito yanu, dongosolo la boma (monga Medicaid, Medicare, Veterans Administration, ndi Armed Services), kapena ndondomeko yaumoyo adagula nokha. Koma sizinaphatikizepo "zopanda phindu" monga inshuwalansi ya nthawi yayitali , zopatsirana zoopsa, kapena ndondomeko zoopsa za matenda.
Ngati mulibe inshuwaransi yaumphawi, mudzalipira chilango cha msonkho chomwe chinayambika kuyambira chaka cha 2014 chaka (pamene anthu anabweretsa msonkho kumayambiriro kwa 2015). Chilango chochepa chaka cha 2014 chinali $ 95, koma IRS inanena kuti pakati pa anthu okhometsa msonkho omwe analipira ngongole ya 2014, chilango chachikulu chinali pafupi madola 210.
Chilango chaching'ono chinawonjezeka mu 2015 komanso kachiwiri mu 2016. Kwa anthu omwe sanalimbikitsidwe mu 2016, chilango chochepa ndi $ 695, koma Kaiser Family Foundation inati chilango chachikulu chidzakhala pafupifupi $ 1,000 .
Ndalama zokwana madola 695 zokhazikika (zomwe zingakhale zochepa katatu ngati mamembala angapo savomerezedwa) zidzakonzedweratu chifukwa cha kupuma kwa ndalama chaka chilichonse, kuyambira mu 2017.
Kwa mabanja opindula kwambiri, chilango ndi 2.5 peresenti ya ndalama, zomwe zidzapitirira kukhala choncho (inu mumalipira chilango chomwe chiri chokwanira-chiŵerengero chapafupi, kapena kuchuluka kwa ndalama).
Kodi Kuperekedwa Kapena Thandizo Lilipo?
Mukhoza kulandira ufulu kapena mutha kupeza thandizo kulipira inshuwalansi ngati ndalama zanu zili zochepa. IRS inati ngakhale kuti anthu 7,9 miliyoni okhometsa misonkho adayenera kulandira chilango chosavomerezedwa mu 2014, anthu ena 12,4 miliyoni a msonkho sankapatsidwa chilango, ngakhale kuti sanalandike.
Zitsanzo zimaperekedwa kwa zotsatirazi:
- muli ndi mavuto azachuma
- muli ndi kutsutsa kwenikweni kwachipembedzo
- ndiwe wamwenye wachimerika
- simunali odwala matenda osapitirira miyezi itatu (chilango chokwanira chikugwiritsidwa ntchito ngati simukulimbikitsidwa kwa miyezi itatu kapena kupitirira)
- ndiwe wochokera kunja
- muli m'ndende
- Ndondomeko yotsika mtengo kwambiri yaumoyo yomwe ilipo m'dera lanu iposa 8 peresenti ya ndalama zanu (indexed for inflation; mu 2017, ndi 8.16 peresenti).
- zomwe mumapeza zili pansi pa msonkho
- ndinu membala wa utumiki wa kugawana nawo zaumoyo
- mumakhala kunja kwa masiku osachepera 330 m'miyezi 12
- muli ndi kufalitsa kwafupikitsa kudzera mwa AmeriCorps, VISTA, kapena NCCC.
- muyenera kulandira Medicaid pansi pa ACA, koma simukuyenera chifukwa dziko lanu silinayambe Medicaid.
Kupanga Zolemba Zogulitsa
Kuyambira mu 2014, Medicaid yowonjezedwa pansi pa ACA ku mabanja omwe amapeza ndalama zokwana 138% za boma la umphaŵi (pafupifupi $ 16,400 kwa munthu mmodzi mu 2016).
Koma Khoti Lalikululi linagamula kuti kuwonjezeka kwa Medicaid kukanakhala kotheka, ndipo pofika kumapeto kwa 2016, pali zigawo 19 zomwe sizinawonjezere Medicaid. Mu 18 mwa maikowa, pali kusiyana kwa anthu : Anthu omwe ali ndi ndalama zoperewera pa umphawi sayenera kulandira ndalama zothandizira ndalama zowonjezera kapena kusintha kwa mankhwala, zomwe zimapangitsa kuti ntchitoyi isatheke. Anthu oterewa sawerengedwa ngati chilango cha msonkho chosavomerezedwa, komabe, monga IRS yawapangira ufulu.
A Dr. Mike kutanthawuza: Mkhalidwe wa Umphaŵi Wachigawo - Kumayambiriro kwa chaka, boma limatulutsa "ndalama" zaumphaŵi. Ndalamayi ndizochepa zomwe zimapezeka pachaka kuti munthu kapena banja ayenera kupereka zosowa zofunika monga chakudya ndi nyumba. Ndalama zenizeni za ndalama zimasintha chaka chilichonse ndipo zimasiyana malinga ndi chiwerengero cha anthu m'banja. Bungwe la Federal Poverty Level likugwiritsidwa ntchito pozindikira kuti munthu ayenera kulandira mapulogalamu a boma monga Medicaid.
Ngati chuma chanu chaka ndi chaka chapamwamba kwambiri kuposa 138% ya umphaŵi wadziko lonse koma osauka kwambiri kuposa 400% (chifukwa cha kufotokoza kwa 2017, pafupifupi $ 47,500 kwa munthu aliyense), mudzalandira ngongole kuti muthe kulipira malipiro anu . Ndipo ngati malipiro anu sali oposa 250 peresenti ya umphaŵi, palinso ndalama zothandizira kuchepetsa ndalama zomwe mumakhala nazo.
Ndalama zothandizira ndalama zowonongeka zimaperekedwa mwachindunji kwa inshuwalansi ya thanzi lanu. Koma ndalama zowonjezera ndalama zingathe kubwezedwa mwachindunji kwa inshuwalansi yanu, kapena mungathe kuitanitsa pa msonkho wanu. Ndi ngongole yobwezeretsa msonkho, kotero inu muzilandira izo ngakhale simukulipira ngongole iliyonse ya msonkho.
Kodi Ndingatani Kuti Ndizisangalala?
Pakhoza kukhala anthu ena omwe sangakwanitse kulipira ngongole za inshuwalansi ngakhale ndi chithandizo, kapena kubwezera msonkho. Ngati izi ndizochitika mungathe kupempha kuti musamapereke ndalama kuchokera ku mavuto a zachuma . Ngati mtengo wa ndondomeko yamtengo wapatali kwambiri wa Bronze m'dera lanu ndi oposa 8.16 peresenti ya zomwe munapeza mu 2017 (mutatha kupereka ndalama, ngati mukuyenera, mukuganiziridwa), muyenera kulandira malipiro okhudzana ndi kufotokozera kosayenera .
Ngati Ndikugula Inshuwalansi, Kodi Mpata Wathanzi Ungandilepheretse Ngati Ndikudwala?
Ayi! Mapulani onse a malonda adakhala otsimikiziridwa kuyambira mu Januwale 2014. Kulembetsa kumangopangidwira pawindo loyamba lolembetsa lomwe likuyamba kugwa pa November 1, kapena nthawi yolembetsa yapadera yomwe imayambitsidwa ndi choyenera , koma inshuwalansi safunsanso za mbiri yachipatala pamene mumapempha kuti mudziwe. Zomwe zakhalapo kale zimayikidwa pazinthu zonse panopa, kupatulapo ndondomeko za msika zapamwamba.
Kodi Ndiyenera Kubweza Misonkho Yapamwamba Chifukwa cha Kusintha kwa Zaumoyo?
Pogwira ntchito pa 1 January 2013, anthu omwe amapeza ndalama zoposa $ 200,000 pa chaka kapena mabanja omwe amalandira ndalama zokwana madola 250,000 pachaka - pafupifupi 2% a ku America - anayamba kuwonjezeka misonkho yawo, kuphatikizapo:
- Ndalama yowonjezera ya 0.9% pa inshuwalansi ya inshuwalansi ya Medicare Part , kuwonjezeka kwa 1.45% kufika pa 2.35% - mwachitsanzo, ngati ndinu banja lolemera lomwe muli ndi $ 350,000, mumalipira $ 900 pachaka mu Medicare msonkho .
- Misonkho ya Medicine 3.8% pa ndalama zopanda malipiro monga zopindulitsa ndalama, malipiro, ndi malipiro. Poyamba, misonkho ya Medicare inangosankhidwa pokhapokha pazopindula, monga malipiro kuchokera kuntchito kapena ndalama kuchokera kuntchito.
Komabe, palinso nkhani zokhudzana ndi msonkho zomwe zimakhudza anthu ambiri. Izi zikuphatikizapo:
- Chilango cha msonkho chosakhala ndi inshuwalansi ya thanzi yomwe inayamba mu 2014.
- Zina zimasintha momwe mumayendetsera akaunti ya ndalama (HSA). Kuyambira pa January 1, 2011, simungathe kubwezeretsanso pa msonkho wopanda malipiro a ndalama za mankhwala owonjezera . Ndipo, msonkho pa zopereka kuchokera kwa HSA (asanakwanitse zaka 65) zomwe sizinagwiritsidwe ntchito pazofunikira zothandizira zamankhwala zawonjezeka kuchoka ku 10% kufika 20%.
- Ngati muli ndi msonkho wa msonkho pa Pulogalamu A, pa January 1, 2013, chiwerengero cha ndalama zomwe mudapereka pazomwe mukugwiritsa ntchito kuchipatala chawonjezeka kuchokera pa 7.5 peresenti ya ndalama zowonongeka mpaka 10 peresenti ya ndalama zowonongeka. Kuwonjezeka kumeneku kunachotsedwa ngati muli ndi zaka 65 kapena kupitilira zaka zamtengo wapatali kuyambira 2013 mpaka 2016 koma ndikufunsanso aliyense kuyambira mu 2017. Mwachitsanzo, ngati ndalama zanu zowonongeka ndi $ 80,000, mutha kupereka ndalama zoposa madola 8,000, Zakale, mukanatha kupereka ndalama zowonjezera madola 6,000.
Kuphatikizanso apo, pali misonkho yomwe siikulunjika mwachindunji kwa inu yomwe ingakukhudzeni. Mwachitsanzo, malipiro operekedwa kwa makampani a inshuwalansi a zaumoyo angathe kuonjezera mtengo wa malonda awo, omwe angaperekedwe kwa inu. Chochititsa chidwi, ntchito zowonongeka m'mabedi tsopano zimakhala ndi msonkho wa 10 peresenti, zomwe zingakhale zabwino kwa thanzi-ndibwino kuti mukhale ndi dzuwa.
Kusinthidwa ndi Louise Norris.
> Zotsatira:
Healthcare.gov. Werengani Yopanda Thandizo Labwino.
> Healthcare.gov. Mitundu ya Inshuwalansi ya Umoyo Yomwe Imadziwika Ngati Mphamvu.
> Mapulogalamu a Pakhomo la mkati. Ndalama Zamtengo Wapatali pa Mapulogalamu Opangira Nsalu M'malo, Mafunso Ofunsidwa Kawirikawiri.
> Utumiki Wopezeka M'ntchito: Udindo Wagawo Wagawo Wopereka Ntchito: Kuwonetsera Zowonetsera Kapena Kuyankha.
> Koskinen, John, Internal Revenue Service, Zotsatira zoyambira kuchokera mu 2015 nyengo yosungiramo ndalama zokhudzana ndi Careable Care Act monga October 2015 . > January 8, 2016.