Ndalama Zothandizira Ndalama Zowonjezera Kawirikawiri Zimatchulidwa Monga Mphotho
Ndalama zothandizira msonkho ndizofunika kwambiri pazinthu zothandizira kuti ntchito yosamalidwa bwino ( Obamacare ). Nthawi zambiri zimatchedwa kuti ndalama zopereka ndalama zothandizira ndalama , ndipo zimapangidwira kuthandizira kupanga ndalama zothandizira inshuwalansi kuti zitheke kwambiri kwa anthu apakati ndi osauka (mawu akuti "ndalama zochepa" ndi "gulu lakati" ndizovomerezeka; kupezeka kwa anthu omwe ali ndi ndalama zapakhomo pamtunda kuposa 400 peresenti ya umphaŵi.
Ndi $ 98,400 kwa banja la anai mu 2018)
Ngakhale oweruza a Republican akhala akuchuluka kwa 2017 akuyesera, osagonjetsa, kubwezera ACA, palibe chokhudza lamulo chomwe chasintha kwa nthawiyo. Ndalama za msonkho wa ACA zowonjezerabe zikupezekabe mu 2018, ndipo m'mayiko ambiri, ngongoleyi ndi yaikulu kwambiri kwa 2018 kuposa momwe analili poyamba . Kotero tiyeni tiwone zomwe msonkho wa msonkho wapamwamba uliri ndi momwe umagwirira ntchito:
A ACA's Premium Tax Credit
Ndalamayi imapezeka kwa anthu omwe ali ndi ndalama zowonongeka kuchokera ku 100 mpaka 400 peresenti ya boma la umphawi (m'mayiko 31 ndi DC komwe Medicaid yakula pansi pa ACA, yomwe ikuyenera kuti phindu la msonkho wapamwamba ndi 139 peresenti ya umphawi, chifukwa Medicaid ikuphimba anthu pansipa). Kuphatikizanso apo, chithandizochi chimapezeka kwa iwo omwe akugula inshuwalansi ya umoyo kupyolera mu inshuwalansi ya umoyo ku boma m'mayiko onse.
[onetsetsani kuti msonkho wapamwamba wa msonkho ulipo kwa alendo omwe asamukira kumene omwe ali ovomerezeka mwalamulo ku US koma omwe ali ndi ndalama pansi pa umphaŵi. Ndondomekoyi inaphatikizidwira ku ACA chifukwa osamukira kumene sakadalitsidwa ndi Medicaid mpaka atakhala ku US kwa zaka zosachepera zisanu.]
Ngati mukuyenera kulandira ndalama zothandizira msonkho wapamwamba, mungasankhe kuti mutha kulipira kampani yanu inshuwalansi mwezi uliwonse. Izi zidzatsitsa ndalama zomwe mudzayenera kulipiritsa malipiro mwezi uliwonse. Kapena, mungathe kusankha kuti mukhale ndalama monga ndalama zanu zomwe zimaphatikizidwa ndi msonkho wanu wa msonkho. Mwanjira iliyonse, ndi ngongole yobwezeretsa msonkho, zomwe zikutanthauza kuti muzilandira ngakhale ziposa ndalama zomwe mumalipira misonkho.
Mukufuna kuphunzira zambiri za ngongole ya msonkho? Pezani ngati muli woyenerera, momwe mungagwiritsire ntchito, kuchuluka kwa ngongole, ndi chifukwa chiyani mungabwezere gawo la ngongole powerenga, " Kodi Inshuwalansi Yothandizira Ngongole ya Ndalama Yowonjezera Ngongole Imakhala Bwanji? "
" Kodi Ndingapeze Thandizo Kulipira Inshuwalansi Zaumoyo? "Idzakupatsani inu zambiri zokhudza mapulogalamu a boma, kuphatikizapo msonkho wa msonkho wapamwamba, kuthandiza anthu otsika ndi apakati kupeza chithandizo cha inshuwalansi popanda kupasuka.
Nathali
Ngati mumalipiritsa mtengo wanu wokhudzana ndi kugulidwa kwa malonda anu chaka chonse ndikuitanitsa ngongole pa msonkho wanu wobwereketsa msonkho, umatchedwa msonkho wa msonkho wapadera (PTC).
Koma anthu ambiri amasankha kuti ngongole iwalipidwe pasadakhale, mwachindunji kwa ogulitsa inshuwaransi yawo mwezi uliwonse (zomwe zimachepetsa ndalama zomwe olembetsa ayenera kulipiritsa pamwezi uliwonse).
Zikatero, amatchedwa msonkho wokhoma msonkho wapadera (APTC).
Njira iliyonse, ngongole ya msonkho nthawi zambiri imatchedwa kuti kupereka ndalama, kapena nthawi zina "ACA chithandizo." (ngakhale pali thandizo lina la ACA lomwe likugwiritsidwa ntchito kugawana mtengo ndipo sayenera kusokonezedwa ndi ngongole ya msonkho wapamwamba).
Ndani Akuyenerera?
Monga tafotokozera pamwambapa, msonkho wa msonkho wapadera umapezeka kwa anthu omwe ndalama zowonongeka zosasinthika siziposa 400 peresenti ya umphaŵi wa federal, ndipo pafupifupi 100 peresenti ya umphaŵi (139 peresenti m'mayiko omwe awonjezera Medicaid) .
Kuonjezerapo, msonkho wamtengo wapatali wa ngongole umapezeka pokhapokha ngati n'kofunikira kuti mupange ndondomeko yachitsulo (ndalama zamakono zotsika mtengo kumudzi wanu) zotsika mtengo pogwiritsa ntchito malangizo a ACA.
Umphaŵi wadziko lonse umasintha chaka chilichonse, ndipo umachokera ku kukula kwa banja lanu.
Mukhoza kuyang'ana deta ya FPL kuno, ndipo tchatichi chikuphatikizapo magawo osiyanasiyana a umphaŵi omwe amathandiza kupeza chiyeneretso cha ngongole ya premium.
Zaka zapitazo za FPL ziwerengero zimagwiritsidwa ntchito kuti zizindikire kulandira msonkho wa msonkho wapamwamba. Mwachitsanzo, aliyense amene akufunsira kufotokoza 2018 adzagwiritsa ntchito nambala 2017 FPL. Izi ziri zoona mosasamala kanthu kuti analembetsa mu November 2017 kapena akulembetsa mu July 2018 chifukwa cha choyenera
Pogwiritsa ntchito miyeso 2017 FPL:
- Mukhoza kulandira ndalama zothandizira inshuwalansi monga ndalama ndi $ 12,060- $ 48,240 (pansi pake ndi $ 16,643 ngati muli mu boma lomwe lawonjezera Medicaid).
- Anthu okwatirana amayenerera ndalama zokwana madola 16,240- $ 64,960 (pansi pake ndi $ 22,412 ngati muli mu boma lomwe lawonjezera Medicaid).
- Banja la ndalama zitatu zokwana $ 20,420- $ 81,680 likuyenerera (kumunsi kwake ndi $ 28,180 ngati muli mu boma lomwe lawonjezera Medicaid).
Kuti mudziwe kuchuluka kwa msonkho wanu wa msonkho , muyenera kudziwa kuti:
- Ndalama zomwe mukuyembekeza kupereka ku inshuwalansi ya umoyo wanu (zimadalira ndalama zanu, ndipo zikufotokozedwa apa)
- Ndondomeko ya ndondomeko ya thanzi lanu labwino
Ndondomeko yanu yachitsulo ndi ndondomeko ya umoyo wa siliva ndi yachiwiri pamwezi wapafupi pamwezi wanu. Inshuwalansi yanu ya inshuwalansi ingakuuzeni kuti ndondomeko iyi ndi yotani.
Ndalama zanu zowonjezera msonkho (aka premium subsidy) ndi kusiyana pakati pa zopereka zomwe mukuyembekezerapo ndi mtengo wa ndondomeko yachitsulo m'deralo. Mukhoza kuwerenga zambiri za Thupi la msonkho la Premium pano .
> Zotsatira:
> Healthcare.gov. Werengani Wopindulitsa Care Act (Full Text ya Affordable Care Act ndi Reconciliation Act).
> UC Berkeley Labor Center, Ndalama Yowonongeka Yosinthidwa Pansi pa Chithandizo Chachidwi Chachikulu . July 2014.
> Dipatimenti ya US Health and Human Services, Ofesi ya Wothandizira Wotsogolera Kukonzekera ndi Kufufuza. Malamulo a US Poverty Poverty Anagwiritsidwa Ntchito Kutsimikizira Ndalama Zopindulitsa kwa Mapulogalamu Ena a Federal. January 26, 2017.