Inde, chilango cha ACA payekha chikugwiritsidwabe ntchito, ndipo chidzapitirizabe kugwira ntchito mu 2018. Ngati simukulimbikitsidwa mu 2018 ndipo simungapereke ufulu, mudzakhala ndi chilango pamene mutaya msonkho kumayambiriro kwa 2019 Koma pambuyo pake, chilango sichingayesedwe.
Pafupifupi zaka zisanu ndi zitatu zitachitika, mbali zambiri za Care Affordable Care Act (aka Obamacare) zimathandizidwa ndi ambiri a ku America.
Izi zikuphatikiziranso chithandizo chotsimikiziridwa mosasamala kanthu za zikhalidwe zomwe zakhalapo kale , malipiro a msonkho wapamwamba omwe amapereka ndalama zowonjezera, kupereka chithandizo chofunikira pa thanzi , kuthetsa phindu la pachaka ndi phindu la moyo , komanso kukula kwa Medicaid .
Koma munthuyo adagawa chilango chaufulu , aka mwiniwake, udindo wake, wakhalabe wosakondedwa ndi lamulo. Lamuloli linayamba kugwira ntchito mu 2014 ndipo limafuna kuti anthu onse a ku America akhalebe ndi inshuwalansi yathanzi pokhapokha ngati ali oyenerera kupereka ufulu . Pali chilango chomwe IRS imayang'ana pa anthu omwe sakhala ndi chinsinsi komanso omwe sali oyenerera.
Chilango Chinayamba Pang'ono Pang'ono Koma Chakudutsa Nthawi
- Mu 2014, chilango chinali $ 95 pa munthu wamkulu wosatetezedwa (theka la ndalamazo kwa mwana), mpaka $ 285 pa banja, kapena 1 peresenti ya ndalama zapakhomo pa msonkho.
- IRS inanena kuti pakati pa olemba msonkho omwe anali ndi ngongole pa 2015 kubwerera, chilango chachikulu chinali $ 210.
- Mu 2015, chilango chinali $ 325 pa munthu wamkulu wosatetezedwe (theka la ndalamazo pa mwana), mpaka $ 975 pa banja, kapena 2 peresenti ya ndalama zapakhomo pa msonkho.
- IRS inanena kuti pakati pa olemba msonkho omwe anali ndi ngongole pa 2015 kubwerera, chilango chachikulu chinali $ 470.
- Mu 2016, chilango chinali $ 695 pa munthu wamkulu wosatetezedwa (theka la ndalamazo kwa mwana), mpaka $ 2,085 pa banja, kapena 2.5 peresenti ya ndalama zapakhomo pa msonkho.
- Chiwerengero cha 2.5 peresenti ya chilango cha ndalama chinakonzedwa kuti chikhalebe muyeso mu 2017 ndi kupitirira, koma chilango chapafupi chiyenera kusinthidwa chaka ndi chaka kuti chiwerengero cha chuma chiziyenda bwino, kuyambira mu 2017. Komabe, IRS inalengeza kumapeto kwa 2016 kuti kusintha kwa inflation kwa 2017 kudzakhala Zero, ndipo chinthu chomwecho chinachitika mu 2018 ; chilango cha chaka cha 2017 ndi 2018 chakhala cha $ 695 pa wamkulu, theka la ndalamazo kwa ana, mpaka $ 2,085 kwa banja.
Kodi Chigamulo Chikuyang'aniratu Tsopano Kodi Trump Ili M'ntchito?
Inde, chilango chikayesedwabe. Izi zidzasintha kuyambira mu 2019, koma anthu omwe sali ovomerezeka mu 2018 adzalandira chilango pamene adzapereke misonkho kumayambiriro kwa 2019.
Pulezidenti Trump adalonjeza lonjezo lochotsa ACA ndikulikonzanso ndi china chake. A Republican mu Nyumbayi adadutsa American Health Care Act (AHCA) kumayambiriro kwa mwezi wa May, koma malamulo adalephera ku Senate, ngakhale kuyesa mobwerezabwereza kwa GOP Senators kuti apereke.
Pamapeto pake, oweruza a Republican adapereka msonkho wa Tax Tax and Jobs Act ndipo Pulezidenti Trump adasaina lamulo mu December 2017. Ngakhale kuti msonkho wa msonkho umachokera ku ACA yonse, imaphwanya chilango cha munthu aliyense, kuyambira mu 2019 (zina mwa msonkho Ndalama zimagwira ntchito mu 2018, koma udindo wochotsedwawo umachedwetsedwa chaka.)
Tsiku lake loyamba ku ofesi ya Trump, adalamula akuluakulu a boma kuti azitha "kuchepetsa mavuto azachuma" a ACA. Izi zinkalangiza mabungwe a federal kukhala omvera monga momwe angathere pokwaniritsa misonkho ya ACA ndi chilango.
Chilangocho chimatchulidwa m'malemba a ACA , kutanthauza kuti lamulo (mosiyana ndi lamulo lokhazikitsa HHS kapena IRS) linali lofunikira kuti asinthe kapena kuthetsa chilango. Ndalama ya msonkho idzabwezera chilango cha 2019, koma mpaka nthawi imeneyo, IRS iyenera kupitiriza kuigwiritsa ntchito.
Komabe, malinga ndi lamulo la Trump, akuluakulu a IRS amatha kulephera kupereka chilango.
Ndipo iwo anasintha mwakachetechete mu February 2017, podziwa kuti apitiriza kuvomereza "kubwerera mwakachetechete" kwa 2016. Koma zimenezo zidzasintha kumayambiriro kwa 2018, pamene msonkho udzabwezeretsedwe mu 2017. Apa pali zomwe zikutanthawuza:
- Pa tsamba 61 la Fomu 1040 , IRS imapempha mafelepala onse a msonkho kaya ali ndi inshuwalansi yathanzi chaka chilichonse (izi zakhala zikuchitika kuyambira 2014). Ambiri Achimereka ali ndi inshuwalansi ya umoyo, ndipo akhoza kungoyang'ana bokosi lomwe likunena "chaka chonse chakale" ndikupitiriza kubwerera. Koma kwa iwo omwe analibe chaka chonse, ntchitoyi ndi yovuta kwambiri: amafunika kuti agwirizane ndi Fomu 8965 kuti apewe , kapena kuwerengera chilango choyenera.
- Kwa zaka za 2014 ndi 2015, msonkho wa IRS sunakane zobwezeretsa pamene mzere 61 unasiyidwa wopanda kanthu (mwachitsanzo, kubwerera "chete"). Ambiri opanga msonkho amamaliza mzere 61 ngakhale (pafupifupi 90 peresenti ya anthu a ku America ali ndi inshuwalansi ya umoyo, kotero izi sizovuta kwa mafelemu ambiri, ndipo mamiliyoni ambiri a msonkho anali ndi chiwerengero cha chilango cha 2014 ndi 2015).
- Kwa kubweranso kwa msonkho kwa 2016, komabe IRS inkafuna kulekerera kubwerera kwabodza. Iwo amayamba kukana kubwezeretsa zomwe sizinawonetse ngati wothandizira msonkho ali ndi inshuwalansi ya umoyo pa chaka (ndipo ngakhale IRS ilibe ulamuliro wawo wodalirika pa chilango cha ACA, nthawi zonse sikuletsedwa kubodza kwa IRS).
- Komiti ya IRS inasinthidwa, komabe, ndipo idapitiriza kulandira kubwezera kwapadera kwa chaka cha msonkho cha 2016. Iwo adanena kuti kusintha kumeneku kunabwera chifukwa cha ndondomeko yoyendetsera Trump.
- Komabe, chifukwa cha kubwerera kwa msonkho kwa 2017, kutumizidwa kumayambiriro kwa chaka cha 2018, IRS sichidzalandizanso kubwerera mwakachetechete. Wofalitsa msonkho aliyense ayenera kuyankha funso ngati ali ndi inshuwaransi ya umoyo m'chaka.
Kotero ngakhale kuti pakhala pali chisokonezo chachikulu pa zomwe zikuchitika ndi chilango chaufulu payekha pansi pa Dipatimenti Yoyang'anira Utumiki, kufotokoza kufotokoza za udindo payekha kunali kofanana ndi kubwerera kwa 2014-2016, koma kwakhala kovuta kwambiri kwa kubweranso kwa 2017, ngati kubwerera mwakachetechete kudzakanidwa. Ndipo ngakhale kuti chilangochi chidzatha, padzakhalanso chilango, chaka cha 2019, kwa anthu omwe sadzatsitsimulidwa mu 2018.
Kodi Kuchotsedwa kwa Chigamulo cha Mwini Aliyense Kumakhudza Bwanji Inshuwalansi Yanu ya Umoyo?
A Republican lawmakers adayambitsa madokotala osiyanasiyana kusintha ndondomeko mu 2017 zokambirana zokambirana, cholinga choletsa kapena kusintha zosiyanasiyana ACA. Kuchotsa chilango cha munthu aliyense payekha chinali chigawo chachikulu cha ndalamazo, ndipo ambiri a iwo akanachotsa chilangocho, mobwerezabwereza, kumayambiriro kwa 2016. Zonsezi zinathera pomwepo, koma ngati chilango choletsedwa chobwezeretsedwa chinali chitatha anthu omwe adalipira chilango chosavomerezedwa mu 2016 akanadalitsidwa, ndipo anthu adatha kutaya chiwongoladzanja chaka cha 2017 popanda kuweruzidwa.
Komabe, ngongole yomwe idapititsa, Tax Cuts ndi Jobs Act, imachokera ku ACA ambiri . Gawo lokha limene lasintha ndi chilango cha munthu aliyense. Ndipo pamene potsirizira pake amachotsedwa ndi msonkho wa msonkho, izo sizidzatha mpaka 2019. Anthu omwe sagwirizane nawo mu 2018 adzalangidwabe pamene atulutsa misonkho yawo 2018 kumayambiriro kwa 2019.
Chidziwitso Chochokera
Bungwe la ACA ndilosavomerezedwa, koma ndalama zothandizira inshuwalansi za umsika zimakhala zapamwamba pokhapokha zitachotsedwa ( malinga ndi Congressional Budget Office ), chifukwa chithandizo chidzapitirirabe. Pambuyo pa 2014, panalibe udindo, koma makampani a inshuwalansi m'mayiko ambiri akhoza kuchepetsa ntchito kapena kupereka malipiro oonjezera owonjezera pa mbiri yachipatala.
Pomwe chidziwitso chinkatsimikiziridwa (kutanthauza kuti a inshuwalansi sakanatha kuganizira mbiri yachipatala), zinafunika kuyikapo mtundu wina kuti zitsimikizidwe kuti anthu azikhala nawo nthawi zonse. Kupanda kutero, anthu amatha kupita popanda chidziwitso ngati ali ndi thanzi labwino, ndipo amangolembera kuti apeze chithandizo pamene akusowa chithandizo chamankhwala, zomwe zingabweretse ndalama zowonjezereka (nthawi yolembera malire ndi mbali ina ya chilimbikitso choonetsetsa kuti anthu apitirize kufalitsa chaka chonse).
Ngakhale ndalama zapayimayi zidzawonjezeka, kuyambira mu 2019, ndizoposa zomwe iwo akanadzakhala ngati chilango cha munthu aliyense chikanakhalabe m'malo mwake, ndalama zowonjezera zidzakula mofulumira, zowonjezereka kuwonjezeka kwa mamiliyoni ambiri olembetsa . Anthu omwe sapatsidwa thandizo la premium, komabe, omwe amadzigulira okha inshuwalansi ya umoyo, adzakhudzidwa kwambiri ndi ndalama zapamwamba za ndalama (anthu omwe sapeza thandizo la premium ndi omwe akukhudzidwa ndi banja la banja , mu kusiyana kwa chithandizo cha Medicaid , ndi anthu omwe ndalama zawo zapakhomo zimapitirira 400 peresenti ya umphawi, pambuyo pochotsa zopereka zapadera zothandizira anthu pantchito ndi ma HSA).
Ndipo tonsefe tikufunikanso kukhala ndi inshuwaransi ya umoyo mu 2018. Chilango chidzayankhidwa kumayambiriro kwa chaka cha 2019, pa msonkho wa msonkho wa 2018, kwa anthu omwe sali ovomerezeka mu 2018 ndipo sakuyenera kulandira ufulu. Koma ngakhale pambuyo pa 2018, kudzakhala kwanzeru kukhala ndi inshuwalansi ya thanzi. Kupanda kufalitsa kumatanthawuza kuti chithandizo chamankhwala cha matenda aakulu chingakhale chosasokonezeka kapena chosatheka kufikapo, ndipo chidzapitirira kukhala chosatheka kulembera kunja kwa kulembedwa kosavuta ngati mulibe choyenera . Matenda aakulu kapena kuvulala sizingakhale ngati choyenera.
> Zotsatira:
> Utumiki Wopezeka M'kati, Kugawana Kwawo Payekha Kukonzekera, kusinthidwa February 2017.
> Mapulogalamu apakati a zapakhomo, ndondomeko ya msonkho 2016-55 .
> Kaiser Family Foundation, Chidule cha American Health Care Act, March 2017.
> Koskinen, J., Internal Revenue Service, Letter to Congress pa zotsatira zoyambirira kuchokera mu nyengo ya 2015 yokhudzana ndi chisamaliro cha Care Care Act mu October 2015 . January 8, 2016.
> Koskinen, J., Internal Revenue Service, Letter to Congress pa zotsatira zoyambirira kuchokera mu nyengo ya 2015 yomwe ikukhudzana ndi Ntchito Yodalirika Yothandizira . January 9, 2017.
> WhiteHouse.gov, Executive Order Kuchepetsa Kukhwima kwachuma kwa Wodwala Chitetezo ndi Chachikulu Chachidwi Chachikulire Chikuyembekezeranso Kubwereza, January 20, 2017.