Kuwonjezeka kwa Medicaid ndi thandizo la ACA zimadalira ndalama, osati chuma
The Affordable Care Act's (ACA) ndalama zothandizira ndalama (zopereka za msonkho wapamwamba) zilibe mayeso oyenera. Ngakhalenso kukula kwa Medicaid pansi pa ACA. Pazochitika zonsezi, kuyenerera kumangopeza ndalama. Zilibe kanthu kuti ndalama zimakhala ndi ndalama zingati ku banki kapena ku msika, kapena nyumba zawo ndizofunika bwanji. Thandizo limene likupezeka kudzera kuwonjezeka kwa Medicaid kapena thandizo la premium limangodalira ndalama za pachaka.
Kusintha kwa Medicaid
Mu District of Columbia ndi mayiko 31 omwe awonjezera Medicaid, chithandizo cha Medicaid chilipo kuti chilembedwe ndi ndalama zapakhomo mpaka peresenti yokwana 138% ya umphaŵi. Malire a munthu mmodzi yekha ndi $ 16,753 mu 2018, koma ngati umphawi ukuwonjezeka pa nthawi, chiwerengero cha ndalama chokwanira cha Medicaid chikuyeneranso kuwonjezeka (kuyesedwa kwa ndalama kumagwiritsidwabe ntchito ku Medicaid kuyenerera nthawi zina - mwachitsanzo, okalamba omwe ali m'nyumba yosungirako anthu okalamba omwe akulipidwa ndi Medicaid).
Mu 18 mwa ma 19 ena (onse koma Wisconsin), pali anthu pafupifupi mamiliyoni 2,4 omwe ali phokoso lachidziwitso, opanda mwayi weniweni wopezera inshuwalansi ya umoyo - sakuyenerera Medicaid, ndipo ndalama zawo ndizochepa kwambiri zopereka zothandizira, zomwe sizingafike pansi pa umphawi.
Malipiro a msonkho woyamba (aka, thandizo)
Mu maiko omwe sanawonjezere Medicaid, kulandira thandizo la premium muchitsulo kumayambira pa umphaŵi, ndipo kumapitirira mpaka 400% ya umphaŵi.
M'mayiko omwe adalimbikitsa Medicaid, kulandira thandizo la premium kumayambira komwe Medicaid ikuyenera kukwaniritsa (138% ya umphawi) ndikukwera kufika ku 400% ya umphaŵi.
Kwa banja la anayi, 400% la umphaŵi ndilo $ 98,400 pachaka. Kwa anthu awiri, ndi $ 64,960 pachaka.
Ndikofunika kuzindikira kuti anthu ena sapempha thandizo, ngakhale kuti ali ndi ndalama zoposa 400% za umphaŵi. Izi ndizowona makamaka kwa achinyamata (omwe ndalama zawo zowonjezera ndizochepa chifukwa cha msinkhu wawo) ndi anthu omwe amakhala m'madera omwe ndalama zowonjezera ndalama zowonjezera zimakhala zochepa.
Koma kwa aliyense amene ali ndi ndalama zokwana 400% za umphawi (kupatula, mwatsoka, anthu omwe atchulidwa kale pa Medicaid kusiyana), ACA imatsimikizira kuti ndondomeko ya Silver ya mtengo wotsika kwambiri siidzatha mtengo kuposa chiwerengero cha ndalama zawo.
Nchiyani chomwe chimakhala ngati ndalama?
Kuyenerera kuwonjezera Medicaid ndi premium chithandizo pansi pa ACA zimadalira kusintha kusintha ndalama zambiri (MAGI). Ndipo pali MAGI yeniyeni ya MAGI . Mukuyamba ndi ndalama zanu zowonjezera (AGI), yomwe ili mzere 37 pa Fomu 1040 (Line 4 pa Fomu 1040EZ, ndi Line 21 pa Fomu 1040A).
Ndiye palinso zinthu zitatu zomwe ziyenera kuwonjezeredwa kwa AGI yanu kuti mupeze MAGI yanu kudziwa kugonjera ndi kulandila mankhwala. Ngati muli ndi ndalama kuchokera ku magulu onsewa, muyenera kuwonjezera pa AGI yanu (ngati mulibe ndalama kuchokera ku magwero awa, MAGI yanu ndi yofanana ndi AGI yanu):
- Zopanda msonkho Zosungira Zosungira Zaumoyo
- Ndalama zosakhudzidwa ndi msonkho (mwachitsanzo, ngati muli ndi zomangira za foni pamsonkhano)
- Omwe amapeza ndalama zakunja komanso ndalama zogulira anthu ku America akukhala kunja
Kuyenerera kwanu kwachithandizo (ndi kugwirizana kwa Medicaid m'mayiko 31 omwe awonjezera Medicaid) kumadalira MAGI yanu. Koma palibe mayeso oyenerera.
Anthu ena otsutsa ACA akhala akudandaula, akudandaula kuti anthu omwe ali ndi ndalama zokwanira madola mamiliyoni ambiri angathe kulandira ndalama zothandizira ndalama. Ichi ndi chowonadi, ngakhale kuti ndalama zopezera ndalama kunja kwa akaunti ya msonkho (401k, IRA, HSA, etc.) zimawerengera ngati ndalama pachaka. Choncho munthu wosakwatira yemwe sagwira ntchito koma amalandira $ 50,000 muzopindulitsa zapakati pa chaka mu akaunti yokhoma msonkho sangathe kulandira thandizo la premium mu kusinthanitsa (malire apamwamba ali pano ndi $ 48,240 kwa munthu mmodzi).
Kupuma kwa msonkho kwa inshuwalansi ya umoyo ndilozoloŵera
Koma nkofunikanso kuzindikira kuti thandizo la ACA's premium ndi chabe ngongole ya ngongole. Kwa anthu omwe amapeza inshuwalansi yawo yaubwana kwa abwana-omwe ambiri omwe si achikulire Achimereka-akhalapo nthawi yambiri yopuma msonkho. Gawo la malipiro omwe amaperekedwa ndi abwana ndi malipiro a msonkho kwa wogwira ntchitoyo. Ndipo gawo la msonkho umene waperekedwa ndi wogwira ntchito ndi malipiro amachotsedwa misonkho isanafike.
Sipanakhalepo mayesero amtengo wapatali-kapena mayesero apadera pa nkhaniyi-ndi dongosololi.
Kumbali inayi, ndalama za inshuwaransi zaumoyo zimangopereka msonkho kwa anthu odzigwira okha. Anthu omwe adagula okha ntchito zawo koma osadzigwira ntchito (mwachitsanzo, amagwira ntchito kwa abwana omwe sapereka chithandizo) angaphatikizepo ndalama zothandizira inshuwalansi pa ndalama zawo zonse zachipatala chaka chonse, koma ndalama zokhazokha zowonjezera ndalama zopitirira 7.5 peresenti za ndalama zitha kuchepetsedwa. Chigawochi chidzawonjezeka kufika pa 20 peresenti mu 2019. [Zomwezo zinali zaka 7.5 peresenti, koma ACA inaonjezera mpaka 10 peresenti mpaka 2017. Komabe, lamulo la Tax Cuts and Jobs, lomwe linakhazikitsidwa mu December 2017, linatsika kumbuyo kwa 7.5 peresenti ya 2017 ndi 2018.]
Tsopano kuti ACA ikupereka ndalama zothandizira anthu mamiliyoni angapo omwe ali ndi inshuwaransi yaumwini, zimangowonjezera masewerawa phindu la msonkho kwa anthu omwe akugula inshuwalansi yawo ndi anthu omwe amalandira inshuwalansi kwa abwana (ngakhale anthu omwe amapeza ndalama oposa umphawi oposa 400% ndi kugula inshuwalansi yawo ya umoyo alibe phindu la msonkho poyerekeza ndi anzawo omwe amalandira inshuwalansi ya inshuwalansi).
Munthu amene ali ndi ndalama zokwana madola milioni koma ndalama zokwana madola 30,000 / chaka pokhapokha (phindu la ndalama kapena ndalama kuchokera kuntchito, kapena kuphatikiza awiriwo) angapindule ndi ngongole ya msonkho wa ACA. Otsutsa ena a ACA adandaula kuti izi sizowonongeka, ndipo zimagwiritsa ntchito "mbali" mu ACA.
Koma ngati munthu yemweyo ankagwira ntchito kwa bwana yemwe amapereka inshuwalansi ya umoyo, sakanalandira msonkho kwaulere pogwiritsa ntchito zopereka za abwana ake ku msonkhanowu, ndipo angakhale akulipira ngongole yake ndi ndalama zisanayambe kukhoma msonkho. Angakhale akulipilira $ 100 kapena ndalama zokhazokha mwezi uliwonse (kapena ayi, malingana ndi momwe abwana ake amaperekera). Ndipo izi sizikudziwikiratu kuti ndizochepa, ndipo sizikuwoneka ngati olemera "akugwiritsa ntchito" pulogalamuyi.
Mukawonekeratu kuchokera pazifukwa izi, ndalama za ACA zapamwamba zothandizira msonkho zathandizira kuika inshuwalansi yaumwini payekha ndi inshuwalansi ya inshuwalansi. Ndipo inde, apangitsa kuti achinyamata oposa 65 ayambe kugwira ntchito zawo, ntchito yamagulu, kapena ntchito yopuma pantchito, osadandaula kuti ndalama zothandizira inshuwalansi zaumoyo zidzasungira ndalama zawo zonse asanayambe kufika ku Medicare zaka.
> Zotsatira:
> Congress.gov. HR1, Kuchokera Misonkho ndi Ntchito Jobs. Inakhazikitsidwa 12/22/2017.
> Dipatimenti ya zaumoyo ndi zithandizo zaumunthu. Ofesi ya Wothandizira Wotsogolera Kukonza ndi Kufufuza. Malangizo Osauka. Nkhokwe za US Poverty Polikugwiritsidwa Ntchito Kuti Zitsimikizire Kuti Zolinga Zapadera za Federal Zidzatha.
> Nternal Revenue Service. Ndalama Zothandizira Ngongole-Zowonjezera.