Kodi chilango ndi chiyani ngati mulibe inshuwalansi ya thanzi?
Kodi mudzayenera kulipira msonkho wa msonkho chifukwa chosakhala ndi inshuwalansi ya thanzi ? Kodi chilango cha inshuwalansi chaumoyo ndi zingati? Kodi ndi ndalama zochepa zotani: kulipira msonkho wa msonkho kapena kugula inshuwalansi ya thanzi?
Chimodzi mwa zovuta kwambiri pa gawo la mtengo wodalirika Care Act ndiyekha udindo umene umafuna kuti Achimerika akhale ndi inshuwalansi ya thanzi. Ngakhale kuti anthu angapo a ku America samasulidwa kufunika kokhala ndi inshuwalansi yothandizira, tonsefe timakumana ndi chilango, zomwe timagawana nazo , ngati tili osatsimikiziridwa.
Tsogolo la ACA-kuphatikizapo chilango chogawana nawo-sichidziwika, koma kuyesa mobwerezabwereza kwa malamulo a Republican mu 2017 kukaphwanya ACA sikulephereka. Pofika kumapeto kwa chaka cha 2017, ACA, yonseyo, imakhalabe yolimba.
Pulezidenti woyamba wa Pulezidenti Trump adalangiza mabungwe a federal kukhala omvera monga momwe angathere pokakamiza msonkho wa ACA ndi chilango. Zotsatira zake, IRS inalengeza mu February 2017 kuti ikanakana kukweza misonkho 2016 yomwe siidayankhe funso lokhudza inshuwalansi (mzere 61 wa Fomu 1040). Amasungira ufulu wotsatila ndi mafayilo omwe samayankha funsolo, koma kubwezera sikunakanidwe mwatsatanetsatane (zindikirani kuti ndilololedwa kubodza kwa IRS muzochitika zilizonse; simungathe kunena kuti muli ndi chithunzi ngati mulibe 't).
Komabe, kuyambira mu 2018 misonkho yobweretsera msonkho (kwa 2017 idzabwerenso), IRS sichidzavomerezanso ma msonkho omwe samayankha funso lokhudza inshuwalansi ya umoyo.
Zilonda zonse ziyenera kufotokoza ngati zilibe chithunzi kapena ayi, kukumbukira, monga nthawi zonse, kuti n'kosaloleka kubodza kwa IRS.
Pano pali zomwe muyenera kudziwa za momwe chilango chimagwirira ntchito ndi kuchuluka kwake:
Dziko lirilonse liri ndi Inshuwalansi ya Umoyo wa Umoyo kuthandiza anthu kupeza inshuwalansi, ndipo thandizo la premium liripo kuthandiza anthu ambiri kulipira inshuwalansi ya umoyo (kuyenerera ndalama kumapitirira 400 peresenti ya umphaŵi, womwe uli $ 48,240 kwa munthu mmodzi mu 2018, ndipo $ 98,400 kwa banja la anai).
Koma, ngati mumakonda kukhala opanda inshuwalansi ndipo simukuyenera kulandira chithandizo, muyenera kufalitsa inshuwalansi ya umoyo wanu mu bajeti kapena kulipira chilango cha munthu aliyense.
Ngati mukuganiza zopita ku inshuwaransi mukuyembekeza kuti mupulumutse ndalama , mtengo wa chilango udzadyeramo ndalama zanu. Kudziwa kuchuluka kwa chilango kungakuthandizeni kupanga bajeti.
Ngati mukuyesera kuwerengera chilango cha banja osati munthu, dziwani momwe ziliri pano .
Kuwerengera Chilango cha Inshuwalansi Zaumoyo
Choyamba, yang'anani pa Chigamulo cha Chigamulo cha Munthu aliyense payekha. Mukatha kuyang'ana pa tebulo, werengani kuti muphunzire momwe mungagwiritsire ntchito molondola, kotero simukulipira zambiri.
| Chaka cha 2014 | Chaka 2015 | Chaka 2016 | Pambuyo pa 2016 | |
|---|---|---|---|---|
| Chilango chozikidwa pafupipafupi | Phindu la 1% pamwamba pa kujambula | Maperesenti 2% a ndalama pamwamba pa kujambula malire | 2,5% ya ndalama zowonjezereka pamwambapa | 2,5% ya ndalama zowonjezereka pamwambapa |
| Chiwerengero chochepa cha chilango | $ 95 pa wamkulu & $ 47.50 pa mwana, mpaka $ 285 pa banja | $ 325 pa wamkulu ndi $ 162.50 pa mwana, mpaka $ 975 pa banja |
| Chimodzimodzi ndi kusintha kwa chaka cha 2016 + (kusintha kwa $ 0 kwa 2017 ndi 2018) |
Chilango chimene mudzalipire ndicho ndalama zosachepera kapena peresenti ya ndalama zanu zonse.
Pogwiritsa ntchito tebulo, muwerengere chilango monga chiwerengero cha ndalama zanu poyamba. Ndiye, yerekezerani zimenezo ndi chilango chochepa cha inshuwaransi ya inshuwalansi chaka chimenecho. Chilango chanu chaumwini chidzakhala chachikulu kwambiri.
Pulogalamu ya msonkho idzawerengera chilango chanu, koma ngati mukufuna kudziwa momwe ikugwirira ntchito, kapena mukufuna kutsimikiza kuti ndi yolondola, apa pali malangizo ena:
- Musamalipire boma kwambiri. Lembani chilango cha inshuwaransi ya umoyo pa gawo lanu la ndalama zomwe ziri pamwamba pa malo opumira. Chotsani chilolezocho kuchokera ku ndalama zanu musanayambe kulandira chilango. (Inu mudzawona zitsanzo za izi pansipa.)
- Kuikapo malire ndi kuchuluka kwa ndalama zomwe mukufuna kuti mupereke msonkho. Anthu omwe ali ndi malipiro ochepa pansi pazomwe akulowetsa sayenera kupereka msonkho wobwereka; anthu omwe ali ndi malipiro apamwamba ayenera kulemba.
- Kulemba kwa 2017 ndi $ 10,400 kwa mafayilo osakaniza ndi $ 20,800 kuti maanja okwatirana aziphatikizana pamodzi. Mukhoza kupeza malo opatsirana kwa zaka zina ndi zina zolemba malemba kuchokera ku chigawo cha 501 ku mafomu a IRS ndi tsamba lofalitsa.
Mavuto Amene Angachepetse Chilango Chanu
- Kodi simungapeze inshuwalansi yapamwamba? Ngati simungapeze inshuwalansi ya zaumoyo yomwe imakhala ndi ndalama zosakwana 8.05 peresenti ya zomwe mudapeza mu 2018 , simungathe kupatsidwa chilango. (Zomwe zinayambira pa 8 peresenti mu 2014. Zinawonjezeka chaka ndi chaka kupyolera mu 2017, popeza mtengo wa inshuwalansi ya umoyo wawonjezeka mofulumira kuposa momwe ndalama zowonjezera zowonjezera, koma zinachepa pang'ono kuyambira 2017 mpaka 2018.)
- Kodi muli ndi inshuwalansi ya umoyo kwa chaka chimodzi?
Pereka chilango kwa miyezi yomwe udapita popanda inshuwalansi. Mwachitsanzo, ngati simunapange inshuwaransi kwa miyezi isanu ndi iwiri ya chaka, mutangopereka chilango cha inshuwalansi chaka chilichonse. - Kodi muli ndi chilango chachikulu?
Chiwerengero cha chilango chimaikidwa pa mtengo wadziko lonse wa inshuwalansi yothandizira inshuwalansi ya chaka chimenecho. Ndalamayi imasintha chaka chilichonse, choncho IRS imalengeza miyezi ingapo chaka chilichonse anthu asanayambe kukonzekera msonkho wawo. Misonkho yanu 2017 (yomwe yatumizidwa kumayambiriro kwa chaka cha 2018), ndalamazo ndi $ 272 pamwezi kapena $ 3,264 pachaka kwa munthu mmodzi (kwa banja la asanu kapena kuposerapo, ndalama zokwana $ 16,320)
Chitsanzo A
Stan ndi mtsikana wosakwatiwa wa zaka 24 yemwe adapanga $ 45,000 mu 2017 ndipo sanalimbikitsidwe chaka chonse. Ngakhale kuti bwana wake anapereka inshuwalansi ya mtengo wathanzi okwera madola 280 pa mwezi, Stan anamva kuti sangathe kulipira $ 280 mwezi uliwonse, choncho anasankha kupita popanda inshuwalansi. Tidzagwiritsa ntchito chiwerengero cha ndalama zokwana $ 10,400 chaka cha 2017, ndipo ndalama zokwana $ 3,264 pachaka zimagwiritsa ntchito ndalama zokwana 2017. Nazi mawerengero a Stan:
Gawo 1
$ 45,000 - $ 10,400 = $ 34,600
Ndalama za Stan - kufikitsa mafelemu osakwatiwa = gawo la ndalama za Stan zomwe zimagwiritsidwa ntchito powerenga chilango.
Gawo 2
$ 34,600 X 0.025 = $ 865
Gawo la ndalama za Stan zimagwiritsidwa ntchito powerenga chilango cha X chiwerengero cha chilango cha 2017 chomwe ndi 2.5% kapena 0.025 = chilango cha Stan cha phindu.
Gawo 3
Fufuzani tebulo. Yerekezerani chilango chaching'ono cha 2016 ndi chilango cha phindu la ndalama zomwe mwangoziwerengera, ndipo chilango cha Stan cha munthu aliyense chidzakhala chachikulu kwambiri.
Popeza $ 865 ndi yaikulu kuposa chigamulo cha inshuwalansi ya $ 695 ya 2017, Stan adzayenera kulipira chigamulo cha $ 865 pamene ataya msonkho kumayambiriro kwa 2018.
Chilango cha Stan chinali chochepa kuposa ndalama zomwe dziko lonse limagwiritsa ntchito pa inshuwalansi yapamwamba ya bronze, $ 3,264, kotero kuti chikhomo cha chilango sichikhudza chilango cha Stan. Bwana wa Stan anapereka insurance inshuwalansi zomwe zingawononge Stan zosakwana 9,69% za ndalama zake, zomwe zikutanthauza kuti abwana ake akugwirizana ndi ntchito ya ACA, popeza ndalamazo zikanakhala kuti Stan anali ndi ndalama zopitirira 9.69 peresenti ya ndalama zake (gawoli likhoza kusinthidwa chaka ndi chaka, chawonjezeka pang'onopang'ono kuyambira 2014, koma chikuchepetsanso pang'ono mu 2018).
- Langizo: Ngati simungathe kukumbukira momwe mungagwiritsire ntchito kuchuluka kwa chiwerengero, pano pali peresenti ya chiwerengero.
Chitsanzo B
Maria ndi wosakwatiwa wazaka 45 yemwe sanamuthandize miyezi isanu ndi itatu mu 2017. Zonse za 2017, anali ndi inshuwaransi ya thanzi. Anapeza $ 75,000. Nazi zotsatira:
Gawo 1
$ 75,000 - $ 10,400 = $ 64,600
Malipiro a Maria mu 2017 - kufotokoza malo osungira osakwatiwa = gawo la ndalama za Maria zomwe adagwiritsa ntchito powerenga chilango.
Gawo 2
$ 64,600 X 0.025 = $ 1,615
Gawo la ndalama za Maria lidawerengera chilango X chiwerengero cha chilango cha 2017 chomwe ndi 2.5% kapena 0.025 = chilango cha Maria cha phindu.
Gawo 3
Fufuzani tebulo ndikusankha zikuluzikulu za zilango ziwirizo. Chilango chochepa cha 2017 ndi $ 695. Popeza kuti ndizochepa kuposa chiwerengero cha ndalama za Mary peresenti ya Mary peresenti ya $ 1,615, Maria adzayesa chilango chachikulu, peresenti ya phindu.
Gawo 4
(8/12) X $ 1,615 = $ 1,076.67
Mary akuyenera kulipira zaka khumi ndi zisanu ndi zitatu za chilango (madola 1,076.67) popeza iye sanalimbikitsidwe kwa miyezi isanu ndi itatu.
Khwerero 5
Onetsetsani kuti Maria salipira zambiri. Chilango chimaperekedwa pa mtengo wapakati pa dziko lonse wa dongosolo la thanzi la mkuwa. Chiwerengero cha chaka cha 2017 cha ndondomeko yamkuwa ndi $ 272 pamwezi:
$ 272 X 8 miyezi = $ 2,176.
Chilango cha Mary chimaikidwa pa mtengo wa dziko lonse wa miyezi isanu ndi itatu ya inshuwalansi ya umoyo wa bronze. Popeza chilango cha Maria cha phindu la peresenti kwa miyezi isanu ndi itatu, $ 1,076.67 ndi osachepera pa miyezi 8 ya $ 2,176, chikhocho sichitha kuchepetsa chilango chake.
Mary adzayenera kulipira chilango cha mwini wake $ 1076.67 pamene adatumiza misonkho m'chaka cha 2018.
Ngati Mary kapena Stan adawerengera chilango choposa chiwerengero cha ndalama zomwe zimapangidwa ndi ndondomeko yazitsulo, chilango chawo chikanatha pokhapokha ngati mtengo wapatali wazitsulo wamtunduwu umakhala wochepa.
Ngati mukulipira chilango chifukwa simunalimbikitsidwe chaka chatha, mwinamwake munalipiritsa ndalama zomwe mumagula. Nthawi zina, ndalama zothandizira zaumoyo zomwe mumalipiritsa zingagwiritsidwe ntchito ngati msonkho wokhoma msonkho pa msonkho wa boma, koma ndalama zomwe mukugwiritsa ntchito kuchipatala ziyenera kupitirira 10 peresenti ya ndalama zanu musanalowetsedwe.
Zotsatira:
US Code 2011, mutu 26, subtitle D, Chaputala 48, sec5000A.
IRS: Mafunso ndi Mayankho pa Ntchito Yogwirizana Yokha.
IRS: Udindo Wagawo Wagawidwe Wopereka-Kupoti ndi Kuwerengera Malipiro.
IRS: Ndondomeko ya Malipiro a 2016-24 ndi Ndondomeko ya Ndalama 2016-43 ndi Ndondomeko ya Ndalama 2017-36 , Ndondomeko ya Ndalama 2017-48
Bungwe la Congressional Research Service lipoti: Malamulo Aumwini ndi Zowonjezereka Zowonjezera Zomwe Zili pansi pa PPACA