Tanthauzo
Munthu yemwe ali ndi udindo wodzitcha kuti mwiniwakeyo ali ndi udindo wothandizira-amafuna pafupifupi nzika zonse ndi alamulo ku United States kukhala ndi inshuwalansi ya thanzi.
Anthu omwe alibe inshuwalansi ya umoyo ayenera kulipira msonkho wa chilango chomwe chimatchedwa kugawidwa kwa udindo , pokhapokha ngati akuyenera kulandira chilango.
Chiyambi cha Mwini Aliyense
Gawo lina la Affordable Care Act , otsutsa omwe ali ndi udindo wotsutsa kuti boma siliyenera kuloledwa kulanga anthu chifukwa chosagula kanthu. Mavuto kwa lamulo laumwini adapita ku Khoti Lalikulu.
Khoti Lalikulu linagamula kuti chilango chimene munthu anapatsidwa chinali kwenikweni msonkho kwa anthu omwe alibe inshuwalansi. Popeza kuti boma liri ndi ufulu kulandira nzika zake, Khoti Lalikululi linaganiza kuti munthu aliyense ali ndi udindo woyendetsera dziko lapansi.
Momwe Makhalidwe Aumwini Amagwirira Ntchito
Anthu ena sali ovomerezeka ndi udindo wawo, koma ambiri a ku America amagonjetsedwa ndi udindo wawo ndipo akuyenera kulandira chilango. Anthu omwe sakhala ovomerezeka koma sali oyenera kulipira malipiro omwe ali nawo pokhapokha atapereka misonkho yawo ku federal.
Pofuna kuthandizira anthu kuti azitsatira okha, udindo wodalirika wothandizira (ACA) umafuna kuti pakhale mgwirizano wa inshuwalansi , kapena malonda, kumene anthu angagule inshuwalansi ya thanzi.
ACA inaperekanso ndalama zothandizira anthu omwe ali ndi ndalama zapakhomo zomwe sizingapitilire 400 peresenti ya umphawi (ndi $ 97,200 kwa banja la anayi mu 2017), komanso ndalama zomwe zimapereka ndalama Zokwera mtengo kwa anthu omwe ali ndi ndalama zapakhomo zomwe siziposa 250 peresenti ya umphawi (ndiwo $ 60,750 kwa banja la anayi mu 2017).
ACA idapempheranso kuwonjezereka kwa Medicaid kwa aliyense amene ali ndi ndalama zapakhomo mpaka 138 peresenti ya umphaŵi, kuti apereke mwayi wothandizira odwala a ku America omwe alibe ndalama zambiri. Koma Khoti Lalikulu linagamula kuti kuwonjezeka kwa Medicaid kunali kotheka, ndipo mayiko 19 anali asanayambe kuwonjezera Medicaid kumapeto kwa chaka cha 2016. Pa 18 mwa maiko amenewo, anthu omwe ali ndi ndalama zoperewera pa umphawi ali pazomwe akupeza , popanda kupeza njira yeniyeni yothetsera thanzi inshuwalansi. Iwo samasulidwa ku chilango cha munthu aliyense payekha, komabe, popeza pali chithandizo chapadera kwa anthu omwe akanatha kulandira Medicaid koma omwe amakhala mu boma lomwe silinayambe Medicaid.
Ndi anthu angati omwe ali ndi chilango?
Kumayambiriro kwa chaka cha 2016, Internal Revenue Service inanena kuti chaka cha 2014 chaka chino, anthu okwana 7,9 miliyoni a msonkho amalemba ndalama zokwana madola 1.6 biliyoni omwe ali ndi udindo wogwiritsira ntchito chilango cha ndalama zokwana madola 210 pa msonkho wa msonkho.
Komabe, panali oposa 12,4 miliyoni omwe amalembetsa msonkho omwe sanathandizidwenso m'chaka cha 2014, koma omwe adanena kuti amalephera kupereka msonkho ndipo sanalandire chilango.
Kodi chilango chili ndi zingati?
Ngati simukuvomerezedwa ndipo simuyenera kulandira malipiro, chilango (cha 2016) ndicho chachikulu:
- 2.5 peresenti ya ndalama zanu zopezeka misonkho (izi zidzakhalabe zomwezo m'zaka za mtsogolo)
- $ 695 pa munthu wamkulu wosatetezedwe, kuphatikizapo $ 347.50 pa mwana wosalimbikitsidwa, mpaka pa $ 2,085 pa banja (izi zidzasinthidwa chaka ndi chaka kuti chiwerengero cha inflation chiyambire mu 2017)
Chilango chachikulu ndi mtundu wa mtengo wapatali wa ndondomeko ya mkuwa.
" Kodi Chigamulo cha Inshuwalansi cha Umoyo Chachuluka N'chiyani? "Amasonyeza momwe mungaperekere chilango chanu poti simukulimbikitsidwa. Izi zimakulolani kulosera zomwe mudzakongole monga momwe moyo wanu umakhalira komanso chuma chanu chikusintha. " Kodi Chigamulo cha Inshuwalansi Zaumoyo kwa Banja Ndi Wochuluka Motani? " Akulongosola momwe angawerengere udindo wogawidwa kwa banja.
Komanso monga: inshuwalansi ya umoyo wathandizira, ntchito yowunikila, udindo wogawana nawo
Kusinthidwa ndi Louise Norris.
> Zotsatira:
> Utumiki Wopezeka M'kati, Udindo Wagawo Womwe Wagawidwa Kupereka-Kulengeza ndi Kuwerengera Malipiro.
> Ntchito Yowonjezera Misonkho, Udindo Wagawenga Wodzipereka-Kupereka Zowonetsera: Kutenga kapena Kulengeza.
> Bwalo Loyamba la Zipatala, Kalata yochokera kwa IRS Commissioner John Koskinen ku Congress, kufotokoza deta yoyamba ya Chachikulu Chachidwi cha Ntchito . January 8, 2016.