ACA imapereka "kusiyana kochepa" pakufotokozera-ndi momwe ikugwirira ntchito
Cholinga chachikulu cha Care Affordable Care Act chinali kupititsa inshuwalansi yaumoyo kwa Ambiri ambiri momwe zingathere. Pachifukwachi, zakhala zikuyenda bwino, ndi mlingo wosatsimikizirika wotsika pansi pa 9 peresenti pofika 2016 (ngakhale ukuwonjezeka kachiwiri mu 2017-2018). Kuchokera mu 2010 mpaka 2016, chiwerengero cha anthu omwe ali ndi inshuwalansi ku United States chawonjezeka ndi pafupifupi 20 miliyoni.
Koma pamene mwayi wathanzi inshuwalansi ndi wofunikira, nkofunikanso kuti anthu apitirize kufotokozera. Kuonetsetsa kuti anthu ambiri angathe kukhala panjodzi yoopsa kwambiri makamaka pamene ali ndi thanzi labwino komanso osasowa chithandizo mwamsanga. Ndipo ngakhale inshuwalansi yowonjezereka sizitsika mtengo, zingakhale zodula kwambiri ngati anthu angangodikirira mpaka atadwala asanagule chithandizo.
Chilango Chosavomerezedwa-Chimakhudzabe mu 2018
ACA imakhala ndi kaloti zambiri zomwe zimatsimikiziridwa kuti ndizowonjezereka komanso zothandizira kuti zitha kugulidwa komanso zosamalika, kuphatikizapo kupereka ndalama zothandizira, komanso kugawana ndalama. Koma palinso ndodo, monga chilango cha ndalama kwa anthu omwe amalephera kukhala ndi inshuwalansi ya umoyo chaka chonse.
Chilangocho chinayendetsedwa mu 2014, ndipo chinapitilira pang'onopang'ono mu 2016. Pakati pa 2017 ndi 2018, chilangocho chinakhalabe chimodzimodzi mu 2016.
Chilangocho chidzachotsedwa pambuyo pa kumapeto kwa 2018, komabe, chifukwa cha msonkho wa msonkho ndi ntchito (HR1) yomwe inakhazikitsidwa kumapeto kwa chaka cha 2017. Koma chaka cha 2018, chilango chikugwiransobe ntchito , kuyambira mu 2014.
Chilango cha anthu omwe sanalimbikitsidwe mu 2015 chinali $ 470-kuchokera ku $ 210 chaka chatha.
Ndipo molingana ndi deta yoyamba yochokera ku IRS , chilango chachikulu chinali $ 667 kwa osungitsa msonkho omwe analipira ngongole kuti asatonthozedwe mu 2016 ndipo adalemba msonkho wawo kumayambiriro kwa mwezi wa March, 2017.
Chilango cha anthu omwe sanalimbikitsidwe mu 2017 chidzakhala chimodzimodzi ndi chaka cha 2016, ndipo chidzakhala chimodzimodzi kwa iwo omwe sali olimbikitsidwa mu 2018.
Kusiyana Kwake Pachiwerengero-Kodi Zimagwira Ntchito Motani?
Koma pali zowonjezera zambiri za chilango. Mmodzi wa iwo ndi mwayi umene umalola anthu kukhala ndi kusiyana kochepa pa chaka, malinga ngati osakwana miyezi itatu . Izi ndizodzidzimutsa, koma palinso mfundo zina zomwe zingafunikire kufotokozera:
- Kusiyana kwa kufotokozera kumakhala kochepera miyezi itatu. Malingana ngati muli ndi chithandizo kwa tsiku limodzi mwezi umodzi, mumalingaliridwa kuti muli ndi chithunzi cha mwezi umenewo. Mwachitsanzo, ngati ndondomeko yaumoyo kudzera mwa bwana wakale iyenera kutha pa 15 March (osati zochitika zofanana pa tsiku lomaliza la mwezi, koma n'zotheka), mukhoza kukhala osatonthozedwa pa March onse, mwezi wa April, ndi May onse. Koma iwe uyenera kukhala ndi kufalitsa malo mmalo mwa June kuti upewe chilango. Ndipo inshuwalansi ya umoyo payekha ilipo pokhapokha ndi masiku oyambirira a mwezi (ngati mutakhala ndi mwana watsopano kapena mutatenga mwana ndipo mukubwezeretsanso kufotokozera mpaka tsiku lobadwa).
- Mukungopeza mpata umodzi pafupipafupi pa chaka. Kotero ngati simukulimbikitsidwa kwa mwezi umodzi mu June ndipo simungathandizikenso kwa mwezi umodzi mu mwezi wa September, simungapulumutse ku chilango mu September.
- Ngati simunavomerezedwe kumapeto kwa 2017 koma osati kwa nthawi yaitali kuti mutenge chilango mu 2017, IRS idzawonjezera nthawiyo pachitali chonse cha momwe mungathere ngati simunatsitsimikizidwe kumayambiriro kwa 2018. Mwachitsanzo, ngati inu simunalimbikitsidwe mu November, December, Januwale, ndi February, simungapereke chilango cha 2017, chifukwa choti mpata wanu wopeza chaka chimenecho unali miyezi iwiri yokha (ndikuganiza kuti ndinu inshuwalansi kuyambira January mpaka October). Koma kusiyana kwanu kwa 2018 kungayambike kuyambira November, ndipo iyenera kuwerengera ngati miyezi inayi-ndipo iwe ukhoza kulandira chilango. Ngati mpata wanu utatha kumapeto kwa 2017 unali utali wokwanira kuti mukhale ndi chilango (mwachitsanzo, mwezi wa October, November, December), ndiye kuti kusiyana kwanu mu 2018 kudzayamba kuwerengera monga Januwale-mwachitsanzo, iwo sangathe Pangani miyezi iwiri kuti muwonongeke, koma simungathe kuyika miyezi iwiri yam'mbuyo kumapeto / kuyamba kwa chaka ndikupewa chilango.
- Ngati mpata wanu wokhudzana nawo umatenga miyezi itatu kapena yotalikirapo, mudzalandira ngongole, ndipo idzagwiritsidwa ntchito pazale lonse. Chilango chokwanira chimawongolera malinga ndi nthawi yomwe simukulimbikitsidwa (1/12 ya chilango cha pachaka, kuchulukitsidwa ndi chiwerengero cha miyezi yomwe simunatsitsimikizidwe), koma ngati kusiyana kwanu kuli koyambira miyezi itatu kapena yotalika, palibe miyezi isanakwane samasulidwa ku chilango.
- Chilango cha chaka chathunthu mu 2018 ndi chachikulu kwambiri : $ 695 pa munthu wamkulu wosatetezedwe (theka la ndalamazo kwa mwana), mpaka $ 2,085 kwa banja lonse la msonkho, kapena 2.5 peresenti ya pakhomo pakhomo la msonkho (izi ndizo Chimodzimodzinso chilango cha 2016 ndi 2017, ngakhale kuti chiwerengero cha ndalama chiyenera kuwonjezeka chaka chilichonse mu 2017, IRS inafotokozera kuti kuwonjezeka kwa chuma cha mu 2017 ndi 2018 kunali zero, choncho chilango sichinasinthe). Chilango chanu cha mwezi uliwonse ndi 1/12 cha chilango cha pachaka. Ngati muli ndi kusiyana kwa miyezi itatu kapena kupitilira (ndipo simukuyenera kulandira chilango chimodzi mwa chilango), mudzayenera kulipira 1/12 pa chilango chokwanira chiwerengero cha miyezi yomwe munali osatonthozedwa. Chilango chimasonkhanitsidwa pamene mutayika msonkho wanu wa msonkho (ngati muli ndi ngongole yobwezeretsa, IRS idzachotsa chilango pazobwezera kwanu).
- Ngati muli ndi mphindi imodzi yochepa yomwe imakhala miyezi yosachepera itatu, mungathe kudandaula kuti mumapereka chilango pamene mutaya msonkho wanu.
Kodi Congress Sanabweze Chilango?
Inde, Congress inaphwanya chilango cha munthu aliyense, pansi pa malamulo a Tax Cuts and Jobs Act, yomwe inakhazikitsidwa mu December 2017. Mwachidziwitso, lamuloli linasunga udindo wa munthu payekha-lamulo likuti anthu adzalingalirabe-koma chilango yachepetsedwa kukhala $ 0 ndi malamulo.
Koma kupereka kwa msonkho wa msonkho sikugwira ntchito mpaka 2019. Anthu omwe sali ovomerezeka mu 2018 ndipo sakuyenera kulandira chilango cha chilango adzalandira chilango pamene apereka msonkho wawo wa 2018 kumayambiriro kwa 2019.
Ndipo ngakhale kuti masiku a chilango awerengedwa, IRS yakhazikitsa chilango mu 2018. Kuyambira pa 2017 kubwezera msonkho (kutumizidwa kumayambiriro kwa 2018), IRS sichilandira maubwezeretsowo omwe sakuyankha funso ngati wolemba msonkho anali ndi inshuwaransi ya thanzi pa chaka. M'zaka zapitazo, IRS inalola kuti abwezeretsedwe kuti akonzedwe, koma izi siziri choncho.
> Zotsatira:
> Zomwe Zidzasokoneze Matenda, National Center for Statistics Statistics. Inshuwalansi ya zaumoyo: Kutulutsidwa koyambirira kwa ziwerengero za National Health Interview Survey, 2016 .
> IRS, Ndondomeko ya Ndalama 2016-55 .
> Commissioner wa IRS, John Koskinen. Letter to Congress pankhani ya chilango ndi APTC malipiro a msonkho wa 2014 eya r. January 8, 2016.
> Commissioner wa IRS, John Koskinen. Kalata ku Congress potsatsa chilango ndi APTC chaka cha msonkho cha 2015. January 9. 2017.
> Treasury Inspector General ya Ulamuliro wa Zigawo. Zotsatira Zamkatimu za nyengo ya 2017 yobzala . March 31, 2017.