Mayendedwe a GOP Angapangitse malire a zopereka ndikuwonjezera Kupeza Zopereka
Sizobisika kuti olemba malamulo a Republican akufuna kufalitsa mwayi wopezera ndalama (HSAs) , kuwonjezera ntchito zawo, kutaya ndalama zomwe anthu angapereke ku ma HSA, ndi kulola kusintha kwakukulu pa momwe anthu angagwiritsire ntchito ndalama zomwe akuzipeza mu nkhani. Silikudziwika bwino pakadali pano ngati atakwaniritsa izi, koma ndi malo omwe akhala akupitilira zaka.
Msonkhano wa GOP wothandizira zaumoyo wathanzi wakhala ukuthamangira ku Congress mu 2017. Ngakhale kuti malamulo ambiri oti abwezeretse ndikugwiritsanso ntchito ndondomeko yosamalira ndalama zowonjezereka, adayambitsidwa pa July 28, 2017, potsutsa ndondomeko yonse ya ndalama zomwe iwo akuganiza-pafupifupi onse a iwo atengera njira yomweyo kuti asinthe HSAs.
Ndi kutha kwa nthawi-yowonongeka ndi kuyimitsa ACA, zopempha za GOP zowonongeka kwa HSA zikhoza kuikidwa pamoto wambuyo kwa kanthawi. Koma nkotheka kuti kusintha kwa HSA kungakhale mbali yakumapeto kwa bipartisan kusamvana pa kusintha kwa chisamaliro, ndipo zingatheke kuti kusintha kwa HSA kukhoza kukhazikitsidwa ngati malamulo okhazikika panthawi inayake, osadalira kusintha kwakukulu kumene maphwando a ndale angakonde apange ku dongosolo lachipatala la America.
HSAs Yachita Kusintha Kwambiri Ndi ACA
Ndalama zosungirako zaumoyo zinayambitsidwa ndi Medicare Prescription Drug, Improvement and Modernization Act ya 2003, ndipo idapezeka kwa ogula kuyambira 2004.
ACA yapanga kusintha kwakukulu kwa HSAs:
- Maofesi a HSA ali ndi chilango ngati mutasiya ndalama zopanda chithandizo musanakhale 65. Chigamulochi chinali 10 peresenti, koma ACA inaonjezera mpaka 20 peresenti (izi zikuphatikizapo misonkho yomwe imawerengedwa ngati ndalama amagwiritsidwa ntchito osati mankhwala). Chilango chimapangidwira kuti ndalama za HSA zimagwiritsidwa ntchito monga izi: chifukwa cha zachipatala (pambuyo pa zaka 65, HSA ikhoza kugwira ntchito monga chikhalidwe cha anthu ogwira ntchito pantchito, ndi misonkho - koma palibe chilango choyesa ngati ndalama zatha osati ndalama za ndalama).
- Mankhwala onse-kupatula insulini-ayenera kukhala ndi chilolezo cha dokotala kuti agule ndi HSA ndalama (ie, kugwiritsa ntchito ndalama za msonkho mu HSA yanu kuti muwagule). M'mbuyomu, mankhwala osokoneza bongo amatha kugula ndi HSA ndalama, koma ACA inasintha.
Kusintha kwa Republican HSA Kusintha Kupeza Mapangano ndi Mapangano
Ambiri mwa mabanki omwe Congressional Republicans adalengeza kuti abwezeretse ndikuthandizira ACA ndi zinthu zomwe zingasinthe malamulo ena omwe amagwiritsidwa ntchito ku HSAs. Ichi ndichinthu chofunikira kwambiri cha kusintha kwa GOP Healthcare, kotero kuti kusintha kwa HSA kunaphatikizidwanso pamsonkhanowu wa " 8" wa " Health Care Freedom Act" umene a Senate Republican adayambitsa kumapeto kwa July 2017 (chiyeso chimenecho sichinadutse , monga a Republican atatu adatsutsa izo).
Ngakhale malingaliro okonzanso asinthapo pang'ono, pali zigawo zinayi zapakati za HSA kusintha zomwe olemba malamulo a GOP angafune kuchita:
- Bweretsani kuwonjezeka kwa chilango cha ACA, ndipo mubwerere ku chilango cha 10 peresenti ya ndalama zosakwana 65 zokha zopanda ndalama.
- Bweretsani zomwe ACA akupereka zomwe zimaletsa mankhwala osokoneza bongo kuti asagulidwe ndi ndalama za HSA.
- Kuchulukitsa malire a HSA, ndikulola okwatirana a zaka 55 kapena kupitilira kupereka zopereka kwa HSA yomweyo, osati kukhala ndi HSAs, monga momwe zilili panopa.
- Lolani HSA ndalama kuti zigwiritsidwe ntchito kulipilira ndalama zothandizira inshuwalansi. Pakalipano, mutha kulipira ndalama zokhazokha ndi HSA ndalama ngati za COBRA , inshuwalansi ya nthawi yaitali, Medicare Part B premium (ndi Gawo A ngati simulandira kwaulere), komanso malipiro a inshuwalansi a zaumoyo omwe mumalandira pamene mukulandira malipiro a ntchito. Zokambirana za GOP zikhoza kulola anthu ambiri ufulu wogwiritsa ntchito ndalama za HSA kulipira malipiro a inshuwalansi.
Zambiri mwazimenezo ndizodzifotokozera, koma tiyeni tiwone bwinobwino malire a zopereka. Ndalama zomwe munthu amaziika mu HSA ndizopanda msonkho (zomwe zimadulidwa msonkho usanatengedwe ngati malipiro amachotsedwa, kapena kuchotsedwa pa msonkho wa msonkho).
Monga momwe zilili ndi akaunti zina zopindulitsa msonkho, pali malire pa momwe mungathandizire ku HSA. Mu 2017 , ndi $ 3,400 ngati muli ndi chithandizo chokha chokhacho pansi pa HSA -dongosolo loyenera la thanzi la HDS (HDHP), ndi $ 6,750 ngati muli ndi kachilombo ka HIV pansi pa HSA-oyenerera HDHP (chitsimikizo kuti mungathe kupereka ndalama ku HSA ngati panopa muli ndi chithunzi pansi pa HSA-woyenera HDHP).
IRS imalepheretsanso ndalama zopezera ndalama za inshuwalansi zomwe zikuonedwa kuti ndi HSA-oyenerera HDHPs. Ambiri mwa mapulani a GOP okonzanso ma HSA amaitana kuwonjezera malire a HSA kuti akhale ofanana ndi omwe ali ndi HS-HDHP oyenerera (ie, kuti ndalama zomwe mungathe kuziyika mu akaunti yowonongeka kuti mupeze odwala ndalama zingakhale zofanana ndi kuchuluka kwa ndalama zomwe muyenera kulipira mu ndalama zomwe simukuzigwiritsa ntchito pothandizira inshuwalansi).
Pofuna kutanthauzira, chiwongoladzanja chomwe chili pansi pa HSA-HDHP yoyenera mu 2017 ndi $ 6,550 kwa munthu mmodzi yekha ndi $ 13,100 pamtundu wa banja (cholemba kuti ichi ndi chochepa kusiyana ndi zomwe zili kunja kwa mthumba zomwe zimagwiritsidwa ntchito pazinthu zina ). Choncho ngati kusintha komweku kukakonzedweratu, anthu angathe kupereka ndalama zambiri ku HSA zawo poyerekeza ndi malamulo omwe alipo, omwe amapereka msonkho wabwino kwa anthu omwe angathe kuthetsa ndalama zambiri mu akauntiyi. Zimathandizanso kuonetsetsa kuti anthu ali okonzeka kuthana ndi mavuto azachuma kapena matenda oopsa ngati ali ndi ndalama mu HSA. Koma ndithudi, zonsezo zimadalira munthu amene ali ndi ndalama zokwanira kuti azipereka patsogolo pake.
Cholinga ichi sichiri popanda kutsutsa. Malire apamwamba kwambiri a ma HSA sathandiza mabanja omwe ali ndi ndalama zochepa, popeza sangathe kupereka ngakhale ndalama zovomerezeka. Ndipo kwa mabanja omwe ali ndi ndalama zambiri, malire apamwamba kwambiri amapangitsa HSAs kukhala ndi malo ambiri okhomera msonkho, zomwe zimapangitsa anthu kusiya malipiro ambiri omwe angayambe kulipira msonkho ndipo potsirizira pake amagwiritsidwa ntchito ngati akaunti yowonjezera pantchito.
Ngakhale kuti mapulani onse a GOP okonzedwanso a HSA akhala akuthandizira kuti malipiro a HDHP asatulukidwe, ndizochititsa chidwi kuti Senator Rand Paul (R, KY) adayambitsa malamulo kumayambiriro kwa chaka cha 2017 chomwe chikanatha kuchotsa chikhomo cha HSA chonse. , kulola anthu kupereka zopanda malire ku HSA. Cholinga ichi sichinapite paliponse, koma zikanakhala bwino kuti pakhale misonkho kwa olemera.
Kodi Staller HSA Stalling ndi ACA Kuchita Khama?
Kusintha kwa HSA kwapangitsa kuti pakhale zaka zoposa makumi asanu ndi makumi asanu ndi awiri (7) akuthandizidwa kuti azitsatira ndondomeko ya zachipatala.
Olemba malamulo a GOP anapanikizika mwamphamvu kuti awononge ACA kumapeto kwa chaka cha 2017, koma khama lawo linathera kumapeto kwa July. Sindikudziwa bwino ngati padzakhala njira yatsopano yowonjezeramo zachipatala, kapena kuyendetsa ntchitoyi pamene olemba malamulo adzakambirana nkhani zina.
Koma kusintha kwa HSA ndi chinthu chomwe chingapeze chithandizo cha bipartisan ku Congress, ndipo ndichinthu china chomwe chikhoza kuchitidwa payekha, popanda malamulo atsopano a zachipatala a US.
Atsogoleri a Democrat amafuna kuti azikhalabe ndi chilango chachikulu cha ACA pa zaka 65 zochokera ku HSA chifukwa chosagwiritsa ntchito mankhwala, chifukwa cha HSA ndikuonetsetsa kuti ndalama zilipo ngati ndalama zowonjezera zikupezeka.
Atsogoleri a Democrats (ndi a Republican ambiri) mwachiwonekere sakupita kukapempha kuti awonongeke ngati Senator Paul alibe lingaliro loperekerapo zopereka, koma kuwonjezeka pang'ono mwa malire a zopereka ndi chinthu chomwe chingapeze chithandizo cha bipartisan. Zingakhale zodula kwa boma la federal, komabe, chifukwa cha malipiro a msonkho-monga momwe amachitira msonkho uliwonse wa msonkho, ndicho chopinga chimene chiyenera kuchitidwa.
Kulola anthu kubweza ngongole ya inshuwalansi ndi HSA ndalama ndi lingaliro lomwe lingathe kukonza thandizo la bipartisan, pofuna kuyesetsa kuti anthu apereke ndalama zowonjezera ndalama (ndizoyenera kudziwa kuti, ngakhale kuti HSA yaying'ono ndi yabwino , anthu ayenera kupereka zambiri ku HSAs kuti apange ndalama zopezera ndalama zowonjezera).
Mawu Ochokera
Ziribe kanthu momwe HSAs idasinthidwira, sizowonjezera mavuto omwe akuyang'aniridwa ndi dongosolo lachipatala la US. Iwo sathandiza anthu opeza ndalama kupeza inshuwalansi kapena kusowa thandizo, ndipo ngakhale kuti mapulani abwino a zaumoyo amachepetsa kuchepetsa kugwiritsa ntchito chithandizo chamankhwala (motero kuchepetsa ndalama), kugwiritsa ntchito kochepa ndizofunikira komanso zosafunikira. Kugwiritsiridwa ntchito kochepa kwa ntchito zofunikira (mwachitsanzo, munthu akugawaniza mapiritsi kuti apitirizebe kusunga ndalama, koma osatsata chithandizo choyenera) sikulabwino kwa zotsatira zaumoyo wamtsogolo.
Choncho ngakhale kuti njira yothetsera thanzi zowonjezera bipartisan zingaphatikizepo kusintha kosasintha kwa malamulo a HSA, njira yowonjezera ya HSA yochezera chisamaliro cha thanzi sizingatheke kukonza thandizo kuchokera ku Democrats ku Congress, kapena kuchokera kwa ovomereza odwala.
> Zotsatira:
> Pulogalamu Yopindulitsa Yogwira Ntchito. Account Account Savings Balance, Contributions, Distributions, ndi Zina Zofunika Kwambiri, 2015: Ziwerengero za EBRI HSA Database . Nov. 29, > 2016 > • No. 42.
> Mapulogalamu a Pakati pa Mapepala, Zowonjezera 969: Mawerengedwe a Zaumoyo Okhudzana ndi Umoyo ndi Zolinga Zowonjezera Za Thandizo. 2016
> Mapulogalamu apakati a zapakhomo, Njira zopezera msonkho 2016-28 .
> Paul, Rand MD, S.222, Obamacare Replacement Act, Gawo la Gawo lachidule.
> Senate.gov. Kusintha kwa 667 ku HR1628. Health Care Freedom Act wa 2017 . July 27, 2017.