Kuyenerera kwa ACA's premium subsidy kumachokera pa ndalama, osati chuma
Malipiro a msonkho woyamba (aka premium subsidies) ndiwo mbali yaikulu ya "yotsika mtengo" gawo la Affordable Care Act (ACA). Popanda iwo, kufalitsa pa msika pawokha sikungakhale kovuta kwa anthu ambiri.
Kuti muwone izi, kumbukirani kuti kawirikawiri chithandizo choyamba chithandizo chomwe chinagulidwa m'miyezi iwiri yoyamba ya nthawi yolembera 2016 kudzera mu Healthcare.gov ndi $ 408 pa munthu pa mwezi.
Koma pafupipafupi pambuyo-chithandizo cholipira ndi $ 113 pa munthu pa mwezi. Ndipo anthu 85 peresenti omwe adalowetsa mu mapulani kudzera ku Healthcare.gov akulandira thandizo, ndipo 78 peresenti ya anthu omwe analembetsa mabungwe ogwirizana ndi boma kuti sayenera kugwiritsa ntchito Healthcare.gov.
Mwachiwonekere, thandizoli limapangitsa inshuwalansi ya umoyo kukhala yovuta kwambiri kuposa momwe zingakhalire. Koma pali lingaliro lachinyengo lakuti thandizo la Obamacare premium ndilo labwino, ndipo / kapena kuti amangopindulitsa mabanja okhazikika.
Chifukwa chiyani thandizo la Premium silibwino
Zothandizidwa ndi ngongole ya msonkho - ngakhale ngongole ya msonkho imene mungathe kuitenga, imaperekedwa kwa kampani yanu ya inshuwalansi, osati kudikira kuti mutenge msonkho wanu monga msonkho wina. Ndipo zimagwira ntchito mofanana ndi zina zomwe zimapereka msonkho zomwe zimapereka malire chifukwa cha ndalama - mwachitsanzo, ngongole ya wopulumutsa komanso ngongole ya mwana.
Zina zomwe zimapindulitsa misonkho - monga zochepa zothandizira ndalama za IRA ngati muli ndi ndondomeko yopuma pantchito, zopereka za Roth IRA, ndi zopereka za ngongole za ophunzira - zimapezekanso ngati ndalama zanu zili pansi pa malo ena.
Zothandizira zapadera zilibe ndalama zothandizira , koma ngakhalenso zitsanzo zomwe tazitchula pamwambazi sizinapereke ndalama zopezera msonkho komanso zopereka zothandizira msonkho.
Izi zikutanthauza kuti mukuyenera kulandira ngongole ya msonkho sikudalira momwe muliri kale muzinthu; Zimangodalira ndalama zomwe mumapeza chaka chonse.
Izi zikusiyana ndi mapulogalamu monga SNAP (Supplemental Nutrition Assistance Program), omwe ali ndi malire oyenerera pogwiritsa ntchito phindu ndi katundu / chuma.
Ndalama zoyambilira zapakati pa ACA zilipo kwa mabanja omwe ali ndi ndalama zopitirira 400 peresenti ya umphaŵi. Kwa banja la anayi, ndi $ 97,000 mu 2016 (chifukwa cha kufotokozera kwa 2016, njira zowunikira umphawi za 2015 zikugwiritsidwa ntchito). Izi sizowonjezera ndalama zochepa ndi malingaliro alionse; Kuvomerezeka kwapadera kwapadera kumafikira pakatikati.
Koma Nanga Bwanji Anthu Amene Ali ndi Zapadera?
Imodzi mwa nkhani zomwe nthawi zina zimachitika pokhudzana ndi chithandizo cha premium zimakhudzana ndi kuyenerera kuti anthu azikhala ndi ndalama zambiri zomwe zimakhala ndi chuma chambiri koma ndalama zochepa pachaka. Otsalira pantchito oyambirira ndi chitsanzo chimodzi; angakhale atasungira kwa zaka makumi angapo kuti apeze ndalama zambiri, ndipo tsopano achoka pantchito - asanakwanitse zaka 65 pamene Medicare ikupezeka - ndikukhala ndi ndalama zomwe zimapangidwa ndi ndalama zawo. Zotsatira zake, ndalama zawo zikhoza kukhala zogwirizana ndi ndalama zothandizidwa, ngakhale kuti akhoza kukhala ndi zizindikiro zisanu ndi chimodzi kapena zisanu ndi ziŵiri zapadera.
Kodi ndizofunikira kuti anthuwa agwiritse ntchito thandizo la ACA's premium? Nkhaniyi imabwera nthawi zonse pazitukuko zosiyanasiyana za intaneti, ndipo nthawi zonse pali anthu omwe amati ndalama zoyendetsera pulogalamuyi zimagwiritsidwa ntchito ndi anthu omwe amawafuna, kapena ndi anthu osauka okha.
Koma palibe mwazinthu izi zomwe ziri ndi ndondomeko zomveka. Thandizo la Premium ndi ngongole ya msonkho. Malipiro a msonkho sali ozikidwa pa "zosowa," iwo amachokera pa manambala. Ngati muyenerera malinga ndi malamulo a IRS, mumayenerera - palibe chovomerezeka ponena za msonkho wa msonkho.
Ndipo monga tafotokozera pamwambapa, ndalama zothandizira ndalama zapadera zimapezeka kwa mabanja apakatikati - sizinapangidwe kokha kwa olemba "osauka".
Ngati olemba malamulo omwe analemba ACA adafuna kuti pulogalamuyi ikhale yopindulitsa kuti ikhale ndi mayeso oyenerera (ie, monga SNAP, kapena kulandira Medicaid kwa okalamba omwe akusowa chithandizo cha kumayi), akadatha kuwaphatikizapo ndipo angasankhe kuchita nthawi ina mtsogolomu.
Koma kuonjezera mayesero oyenerera kungapangitse dongosolo lovuta kwambiri, ndipo likanakhala lokonzekera cholinga cha olemba malamulo, chomwe chinali choti athe kupeza anthu ochuluka momwe angathere poika inshuwalansi ya thanzi kuti athe kuchepetsa chiwopsezo chosavomerezeka ndi kufalitsa chiopsezo cha umoyo kudutsa ngati dziwe lalikulu momwe zingathere.
Zotsatira zake, tili ndi ndalama zothandizira ndalama zomwe zimagwira ntchito mofananamo ndi zolembera za msonkho zochepa zomwe zimagwiritsidwa ntchito kwa anthu ambiri. Kuyenerera kwa msonkho wa msonkho sikukukhudzana ndi katundu, ndi chirichonse chochita ndi ndalama. Zoonadi, ndizosavomerezeka - ndizoletsedwa - kusokoneza ndalama zanu kuti muyenere kulipira msonkho. Koma malinga ngati mukulongosola molondola ndalama zanu ku IRS, palibe cholakwika chokhudza kutenga msonkho wa msonkho pamene mukuyenerera.
Chochititsa chidwi, ndizosavuta kumva anthu akunena kuti ndizolakwika, mwachitsanzo, kudandaula kuti ngongole ya mwanayo kapena ngongole ya wosungirayo pamene wolemba msonkhoyo ali ndi ndalama zambiri. Koma mwachindunji, palibe kusiyana pakati pa msonkho wa msonkho ndi msonkho wa msonkho wapadera, pokhapokha ngati ndalama zowonjezera msonkho zingatengedwe pasadakhale chaka, ndikuyanjanitsanso pa msonkho wanu .
Ndizodziwikiratu kuti aliyense angakayikire ngati ndalama zapamwamba zogwiritsira ntchito mabanja zimayenera kukhala ndi inshuwalansi yothandizidwa ndi abwana (ambiri), ngakhale kuti mapulani amenewa ndi ofunika kwambiri. Malingana ndi lipoti la 2016 la CBO, boma likuyesa kugwiritsa ntchito madola 3.6 trilliyoni akuthandizira inshuwalansi yothandizidwa ndi abwana kuchokera mu 2017 mpaka 2026 (chifukwa chochotserapo ndalama zowonjezera kuchokera ku msonkho wa msonkho ndi malipiro), koma gawo limodzi mwa magawo anayi a ndalamazo patsiku la ndalama msika wina aliyense.
Mwinamwake, ziphuphu zandale kuzungulira ACA ndizo chifukwa cha malingaliro okhudzana ndi ndalama zothandizira anthu kuti akhale chithandizo, pamene ali kwenikweni ngongole ya msonkho, ngati ena omwe kale analipo ACA.
Ngati Mukuyenera Kukhoma Misonkho, Tengani
Mwachidule, simukusowa kudandaula kuti ndizosavomerezeka kuti mutenge ndalama zanu zowonjezera chifukwa muli ndi dzira lalikulu. Ndiko ngongole ya msonkho, monga ngongole iliyonse ya msonkho. Okhazikitsa ndalama amatha kulengeza kuti adzakupezani ngongole iliyonse ndi ngongole, ndipo anthu okhometsa misonkho amakonda kuyamikira kulikonse komwe amapeza pa msonkho wawo.
Kaya ikutsitsa zinthu monga ngongole, zopereka za HSA, chiwongoladzanja cha ngongole ya wophunzira, kapena zopereka za IRA, kapena kutenga ngongole ya msonkho monga ngongole ya wopulumutsa kapena msonkho wa msonkho wapamwamba, ambiri okhoma misonkho amakhala okondwa kuthetsa msonkho wa msonkho wapansi. Ndipo kumapeto kwa tsiku, ndizo ndalama zonse zokhometsa msonkho.
Inu Mukhoza Kuyembekeza Kufunsira Thandizo pa Kubwerera Kwa Mtengo Wanu
Kwa anthu ena omwe ali ndi chuma chambiri, zimakhala zomasuka - ndizozoloŵera - kulipira mtengo wokhudzana ndi inshuwalansi ya umoyo chaka chonse (ndikuganiza kuti mungakwanitse kuchita zimenezo) ndikupempha kuti mutenge msonkho wa msonkho pa msonkho wanu pa Fomu 8962 .
Malingana ngati mutagula malingaliro anu pogwiritsa ntchito kusinthanitsa (malingaliro osagwirizana nawo sakuyenera kulandira malipiro a msonkho wapamwamba), ali oyenera kulandira ngongole pogwiritsa ntchito zomwe mumapeza ndi mtengo wa ndondomeko yachitsulo m'deralo malinga ndi zomwe mumapeza, ndi kukwaniritsa zofunikira zina za msonkho wa msonkho wapadera , mungathe kuitanitsa ngongole yanu yokhoma msonkho pasanapite nthawi (mwachitsanzo, kulipiriratu kwa chithandizo cha inshuwalansi yanu mwezi uliwonse), kapena pa msonkho wanu wobwereranso monga momwe mungakhalire ndi ngongole zina.
Koma njira iliyonse, onetsetsani kuti palibe cholakwika kuti mutenge ndalama zowonjezera ngongole ngati ndalama zanu zikukuthandizani. Zomwe muli nazo sizili mbali ya equation.