Pamene nthawi ya msonkho ikuyendayenda, mukhoza kudabwa ngati wanu inshuwalansi premium ndi msonkho deductible. Zimadalira kuti ndinu ndani komanso kuti mumagwira ntchito yanji.
Wodzilemba ntchito
Ndimagwira ntchito ndekha, yankho nthawi zambiri ndilo inde-malipiro omwe mumalipira kuti mudziwe nokha ndipo okhulupilira anu mwina alipira msonkho, malinga ngati mukupeza inshuwalansi yanu ya umoyo.
Izi ziri zoona mosasamala kanthu kuti inu mutenga inshuwalansi yanu kupyolera mu kusinthana, kapena pa msika wina uliwonse kunja kwa kusinthanitsa. Zothandizira ndalama zowonjezera (zowonjezera msonkho wa msonkho) zimapezeka potsitsirana , koma osati kunja kwa kusinthanitsa. Njira iliyonse, anthu ogwira ntchito okha akhoza kungotenga ndalama zomwe amapereka kulipira. Palibe "kubwereza kawiri" komwe kumaloledwa, kotero ngati mutalandira ndalama zowonjezerapo kuti mutengere gawo lanu lapadera, mutha kuchotsa ndalama zanu zothandizira pa msonkho wanu.
Ndikofunika kumvetsetsa kuti kuchuluka kwa ndalama zowonjezera zomwe mumalandira zimakhudzana ndi ndalama zanu zowonongeka (kusintha kwa ACA , komwe kumasiyana ndi ndalama zowonongeka). munthu ndi chinthu chothandizira kudziwa ndalama zomwe mwasintha. Izi zimatha kukhala vuto lozungulira: Kulipira kwanu kwapadera kumadalira ndalama zomwe mwasintha, koma ndalama zomwe mumapeza zimadalira ndalama zanu zowonjezera.
Koma IRS yathetsa nkhaniyi, ndipo mlangizi wanu wamisonkho kapena pulogalamu ya msonkho ingakuthandizeni kukonza.
Koma ngakhale mutakhala ogwira ntchito, ngati inu, mwamuna kapena mkazi wanu, kapena abwenzi anu, muli ndi inshuwalansi yothandizira inshuwalansi (kaya zanu, ntchito yosiyana, kapena ndondomeko ya mkazi kapena mzanu), malipiro omwe mumalipira pakuti kufotokozera koteroko si chinthu chomwe mungathe kuchikweza pa msonkho wanu.
Ndi chifukwa chakuti iwo amakhala akulipidwa kale ndi ndalama zisanapereke msonkho kuyambira polemba ntchito-inshuwalansi ya inshuwalansi ndizoperekedwa kwa msonkho kwa abwana ndi antchito onse .
Mauthenga Osunga Zaumoyo
Ngati muli ndi ndondomeko yathanzi yowonjezera ya HSA (HDHP), mukhoza kukhala ndi akaunti ya ndalama (HSA). HSA yanu ikhoza kukhazikitsidwa kudzera mwa abwana anu, kapena ikhoza kukhala chinthu chomwe mumakhazikitsa nokha, monga momwe mungathere ndi HDHP yoperekedwa ndi abwana kapena ogula pamsika .
Ndalama zomwe mumapereka kwa HSA yanu ndi msonkho wa ndalama zokwana madola 6,900 pokhapokha pakhomo la ndalama komanso $ 3,450 pokhapokha mutha kugawanika mu 2018. Mphatso kwa HSA yanu ikhoza kupangidwa ndi inu kapena abwana anu, koma gawo lomwe mumadzipereka nokha ndi msonkho wogwidwa. Ngati mutapereka ndalama zanu ku HSA kudzera mu chiwongoladzanja cha ndalama, zoperekazo zidzaperekedwa pa msonkho wanyengo, ndipo izi zidzawonetsedwa mu W-2 omwe mumalandira (mwachitsanzo, simudzasowa kubweza pa msonkho wanu wa msonkho, monga iwo adzalandidwa kale kuchokera ku msonkho wokhoma msonkho). Koma ngati mutapereka ndalama zanu za HSA, muzitsatira zopereka zomwe mumapereka chaka chonse ndikuchotsa msonkho wanu.
Ndalama monga gawo la ndalama zonse za mankhwala
Ngakhale mutakhala osagwira ntchito, Internal Revenue Service (IRS) imakulolani kuwerengera ndalama za inshuwalansi zamankhwala komanso za inshuwalansi (ndi zina zoperewera, malipiro a inshuwalansi a nthawi yaitali) monga gawo la 7.5 peresenti ya ndalama zanu zowonjezera ( AGI) yomwe iyenera kugwiritsidwa ntchito pa chisamaliro chithandizo chamankhwala chisanafike.
Mndandanda wautali wa ndalama zokhudzana ndi zaumoyo ukhoza kuphatikizidwa, kuphatikizapo mankhwala opatsirana ndi opaleshoni, ngati opaleshoni ya maso laser kuti athetse masomphenya. IRS ili ndi mndandanda pa webusaiti yake. Lembani ndalama zomwe mumakhala nazo kunja kwa chaka - kuphatikizapo ndalama zothandizira inshuwalansi ngati mukugula ndondomeko yanu koma osadzigwira ntchito. Ngati ndalama zanu zonse ziposa 7,5 peresenti ya AGI yanu, mudzatha kulandira ndalama zomwe zili pamwambapa.
Mwachitsanzo, ngati AGI yanu ndi $ 50,000 ndipo mumagwiritsa ntchito madola 8,000 pamalipiro a zachipatala, kuphatikizapo ndalama zothandizira inshuwalansi zomwe mumadzilipira nokha, mutha kupereka ndalama zokwana madola 4,250 pazobwezera msonkho (7,5 peresenti ya $ 50,000 ndi $ 3,750, kotero mutha kutenga ndalama zokwana madola 3,750 pazochitikazi).
Onani kuti 7.5 peresenti yomwe idagwiritsidwa ntchito kukhala yowonjezera, koma ACA inaonjezera mpaka 10 peresenti (inakhalapo pa 7.5 peresenti kwa anthu a zaka 65 ndi zapakati, kumapeto kwa 2016). Komabe, msonkho wa msonkho wa GOP ( Tax Cuts ndi Jobs Act ) womwe unakhazikitsidwa mu December 2017 umagwiritsira ntchito gawo la 7.5 peresenti kwa onse osungira msonkho, chifukwa cha 2017 ndi 2018. Choncho m'malo momaliza ndalama zoposa 10 peresenti ya ndalama zanu ndalama zothandizira (kuphatikizapo ndalama zothandizira ndalama) kuti muyenerere ndalama zowonjezera, tsopano muyenera kugwiritsa ntchito zopitirira 7.5 peresenti. Izi zidzathera kumapeto kwa 2018, komabe, ndipo zidzabwereranso ku 10 peresenti kwa onse osungira msonkho. Kuyambira mu 2019, ndalama zokhazopiritsa ndalama zokwana 10 peresenti ya ndalama zidzatha kulandira.
Kuti mutengere ndalama zamankhwala, muyenera kuti mutengere ndalama zanu. Izi zikusiyana ndi zochitika ziwiri zomwe zatchulidwa pamwambapa-kuchotsedwa kwa ndalama za inshuwalansi yowonjezera umoyo wathanzi ndi kuchotsedwa kwa Aunti ya Health-zonse zomwe zingagwiritsidwe ntchito mosasamala kanthu kuti mwadula.
Izi ndizowona mwachidule momwe IRS imachitira malipiro a inshuwalansi ya thanzi. Ngati muli ndi mafunso okhudza vuto lanu, koma zedi mukalankhule ndi mlangizi wa msonkho.
> Zotsatira:
> UC Berkeley Labor Center. Ndalama Zowonongeka Zosinthidwa Pansi pa Chithandizo Chothandizira Chotsimikizika . July 2014.
> Nyumba.gov. Malemba a Malamulo a Misonkho ndi Ntchito (HR1) , yomwe inakhazikitsidwa pa December 22, 2017.
> Zowonjezera zapatala zapakhomo, Zofalitsidwa 502 (2015) .
> Zowonjezera za Mapepala a Zipatala, Mapulogalamu a Zipatala 2015-30 .
> Mapulogalamu apakati a zapakhomo, Njira zopezera msonkho 2016-28 .
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