Momwe American Health Care Act ikuthandizira Medicare Taxes
Anthu opitirira 65 ndi omwe ali ndi zilema zina amadalira Medicare chifukwa cha zosowa zawo zaumoyo. Ambiri a iwo adalipira mwayi chifukwa cha misonkho. Pemphani kuti mumvetsetse misonkho yomwe amagwiritsidwa ntchito kuti mugulitse ndalama za Medicare, omwe amawalipira, komanso momwe amagwirira ntchito. Chofunika kwambiri, kodi American Health Care Act ingasinthe bwanji ndalama zomwe mumalipira m'thumba la misonkho ya Medicare?
Momwe Kulipirira Zamagwiritsidwe Ntchito
Medicare yathyoledwa mu magawo anayi: Gawo A inshuwalansi ya chipatala , Gawo B inshuwalansi yachipatala , Gawo C Medicare Advantage coverage , ndi Gawo D Dokotala wothandizira mankhwala .
Misonkho yomwe imaperekedwa kwa boma la federal imayikidwa ku Medicare Trust Fund, yomwe imagwiritsidwa ntchito pothandizira gawo lachigawo chokha. Izi sizikuphatikizapo chisamaliro chanu cha chipatala chokhachokha koma mautumiki ena monga hospice , chisamaliro chithandizo cha anamwino, komanso chithandizo chamankhwala kunyumba.
Mipukutu ya mwezi uliwonse ikhoza kugwiritsidwanso ntchito kupepetsera Medicare Part A, koma nthawi zambiri, anthu ochepa amawalipira. Izi zili choncho chifukwa malipiro ndi omasuka kwa aliyense amene wagwira ntchito 40 kapena kuposa pa ntchito ya Medicare-qualification , kutanthauza kuti kale analipira misonkho yabwino. Anthu omwe amagwira ntchito zosakwana 40 peresenti amapereka malipiro a mwezi uliwonse omwe amawonjezeredwa ku Medicare Trust Fund.
Kwa 2017, anthu amene amagwira ntchito pakati pa zaka makumi atatu ndi makumi atatu ndi zisanu ndi zitatu (39) mu ntchito ya Medicare-msonkho wa msonkho adzalipira madola 227 pamwezi pa gawo la A premium, pamene iwo ogwira ntchito osachepera 30 koloko adzalipira $ 413.
Mankhwala a Medicare Mbali B kupyolera mwa D amathandizidwa makamaka pogwiritsa ntchito ndalama zanu za mwezi uliwonse. Mosiyana ndi Gawo A, aliyense amapereka malipiro pamwezi pazinthu izi. Ena a inu, komabe, adzalipiritsa pang'ono potsatira ndalama zanu.
Ndalama Zowonongeka Kwa Mwezi Ndalama (IRMAA)
Ndalama Zowonongeka Kwa mwezi uliwonse (IRMAA) si msonkho payekha, koma ndi malipiro owonjezera omwe mudzalipire Mbali B ndi / kapena D ngati ndalama zanu zili pamwamba pa mlingo winawake.
Ndalamazo zimapita kwa Medicare, osati kwa kampani ya inshuwalansi yapadera yomwe imalimbikitsa ndondomeko ya Medicare yanu, ndipo idzakhazikitsidwa ndi ndalama zanu zosinthidwa kapena MAGI.
Ndalama zanu zimachokera ku malipiro anu (kuphatikizapo ndondomeko), ndalama kuchokera kumalonda / malonda, zopindula, zoperewera za ntchito, ndi alimony. Ndicho "chosinthidwa" pogwiritsa ntchito zoperekera zothandizira IRS zomwe mungathe kuzichita, mwachitsanzo, ndalama zomwe zimaperekedwa kuchokera ku IRA zopereka zothandizira ngongole za ophunzira. Mtengo ndi "wosinthidwa" mwa kuwonjezera phindu lililonse la msonkho limene muli nalo. Boma la federal limagwiritsa ntchito MAGI kudziwa momwe mungaperekere msonkho, komanso ngati muli oyenerera Medicaid , ngongole za msonkho, kapena thandizo lina la federal.
Kwa cholinga cha Medicare, MAGI imagwiritsidwa ntchito kudziwa ngati mudzalipira IRMAA. Anthu akulemba $ 85,000 kapena osachepera pa msonkho wawo wa msonkho, kapena okwatirana omwe akugwirizanitsa $ 170,000 kapena osachepera, sangathe kulipira IRMAA. Ngati mupeza pamwamba pa magulu awa, mudzapatsidwa ndalama zambiri.
Kwa 2017, Medicare Part B IRMAA ndi $ 53.30, $ 133.90, $ 214.30, ndi $ 294.60 pamwezi pamene mukupita ku mabakiteriya apamwamba. Kwa Medicare Part D, IRMAA ndi $ 13.30, $ 34.20, $ 55.20, ndi $ 76.20 pamwezi.
Mabakitala oyenera a IRMAA amayamba pa $ 85,001- $ 107,000 kwa mafayilo osakwatiwa ndi $ 170,001 mpaka $ 214,000 kwa mafayilo ophatikizana.
Iwo amachoka pa $ 214,000 ndi $ 428,000 kwa mafayilo osakaniza ndi olowa limodzi.
Kwa mbiriyi, Part B IRMAA inayambitsidwa ndi malamulo a Congressional mu 2007, ndipo Part D IRMAA mu 2011 ngati gawo la Care Affordable Care Act, aka Obamacare .
The Medicare Tax
The Medicare Tax inayamba mu 1966 ndipo ikugwiritsidwa ntchito ku ndalama zomwe munapeza, kuchotseratu kudula kulikonse kwa ndalama zothandizidwa ndi abwana kapena zina zothandizira msonkho. Sichikugwiritsidwa ntchito pazopindulitsa zapadera ndi ndalama zina. Ndalama za msonkho umenewu zimapita ku Medicare Trust Fund.
Momwe mumalipira misonkho zimadalira ntchito yanu.
Anthu omwe amagwira ntchito adzalipira theka la msonkho wofunikira wa Medicare, ndipo ndalama izi zidzachotsedwa mwachindunji ku malipiro anu. Izi ndi chifukwa chakuti abwana anu amapereka kusiyana.
Anthu omwe amagwira ntchito pawokha amafunika kulipira ndalama zonse za Medicare Tax, onse ogwira ntchito ndi olemba ntchito. Zimayenera kuti ogwira ntchito okha azilipiritsa misonkho yawo pamtundu uliwonse kwa boma kapena mwina asalandire chilango chochedwa.
Mu 1966, Medicare Tax inayamba pang'onopang'ono cha 0,7 peresenti. Lero, msonkho wa malipiro ukuwonjezeka kufika pa 2.9 peresenti.
Ngati muli pantchito, mudzalipira 1,45 peresenti ndipo bwana wanu amapereka ndalama zokwana 1,45 peresenti zofanana. Ngati muli ogwira ntchito, muli ndi udindo wokwanira 2.9%.
Zowonjezera Medicare Tax
Ngati mumapeza zambiri, mumalipira zambiri.
The Affordable Care Act yowonjezeranso Kuwonjezera kwa Medicare Tax yomwe inayamba kugwiritsidwa ntchito mu Januwale 2013. Idawakhudza iwo omwe adalandira pamwamba pa magulu awa a MAGI.
- Osakwatira kapena oyang'anira - $ 200,000
- Kuphatikizana okwatirana pamodzi - $ 250,000
- Wokwatirana akujambulira payekha - $ 125,000
- Mkazi woyenerera (er) ndi mwana wodalira - $ 200,000
Ndalama iliyonse pamwamba pa ndalama zimenezi idzaperekedwe zina 0.9 peresenti mu misonkho ya Medicare. Mosiyana ndi mwambo wa Medicare Tax, msonkho uwu umalipidwa kwathunthu ndi wantchito. Wobwana samapereka zopereka.
Mwachitsanzo, munthu wosagwira ntchito amene amalandira $ 250,000 pachaka amalipira 1,45 peresenti mu Medicare msonko kwa $ 200,000 koma msonkho wa 2.35 peresenti (1,45 peresenti + 0.9 peresenti) pa otsala $ 50,000. Wogwira ntchitoyo adzapitiriza kulipira 1,45 peresenti kwa ndalama zambiri.
Ngati muli ogwira ntchito, mutha kupereka malipiro a 2.9 peresenti ya msonkho wa Medicare pa ndalama zilizonse zomwe zili pansi pa chiwerengero cha ndalama zomwe zilipo pakhomo la msonkho.
Ndalama ya Ndalama Yopereka Ndalama
Misonkho ina yowonjezeredwa ndi Care Affordable Care Act ndi Net Investment Income Tax (NIIT), yomwe imadziwikanso kuti Dipatimenti ya Medicare Contribution. Zimagwira ntchito kwa anthu omwe amalandira pamwamba pa magii awa omwe ali ndi ndalama zomwe ali nazo:
- Osakwatira kapena oyang'anira - $ 200,000
- Kuphatikizana okwatirana pamodzi - $ 250,000
- Wokwatirana akujambulira payekha - $ 125,000
- Mkazi woyenerera (er) ndi mwana wodalira - $ 250,000
Kwenikweni, ndi 3.8 peresenti ya msonkho wa Medicare yomwe ikugwiritsidwa ntchito kwa ndalama zanu zachitsulo. Izi zingaphatikizepo annuities, malipiro, malipiro, ndalama zogona, ndi ndalama. NIIT mwachindunji sichikugwiranso ntchito ku malipiro, ndalama zodzipangira ntchito, alimony, pensions, kupezeka kwa ndalama zapuma pantchito, zopindulitsa zaumphawi, zopindula za msonkho, kapena zopanda ntchito.
Zowonjezera Medicare Tax ndizosiyana ndi NIIT chifukwa sizimagwiritsidwa ntchito ku ndalama za ndalama zopezeka. Komabe, IRS imanena kuti n'zotheka kuti mungakumane ndi misonkho yonse.
Mudzapatsidwa msonkho kwa NIIT pogwiritsa ntchito ndalama zochepa zomwe mumapeza pakhomo lanu la ndalama kapena ndalama zomwe mumadutsa pa MAGI.
Momwe American Health Care Act akanadasinthira Medicare Taxation
Zakale za American Health Care Act (AHCA), zomwe zinadzatchedwanso Better Care Reconciliation Act (BCRA), zowonjezera kuchepetsa misonkho ya Medicare pochotsa Zoonjezera za Medicare Tax ndi Net Investment Income Tax. Izi zinayambitsa kukangana kwakukulu potsatsa msonkho kwa olemera.
Komiti Yowonjezera Imisonkho imanena kuti kubwezeretsa Zoonjezera za Medicare Tax kungachepetse ndalama za boma ndi $ 117 biliyoni ndi 2026. Ndi ndalama zochepa zomwe zikulowa mu Medicare Trust Fund, Medicare idzawononga ndalama zake pofika 2025 , zaka zitatu zisanachitike kuposa zomwe zikuyembekezedwera. Izi zikusiyana mosiyana ndi Zopindulitsa Care Act zomwe makamaka zinapereka solvens wa Medicare ndi zaka 11.
Malipoti a zachuma amasonyezanso kuti ambiri a ku America sangayembekezere kupindula ndi msonkho wa msonkho. Ndipotu, mamiliyoni ambili amalandira maperesenti 79 peresenti ya kuchepa kwa msonkho. Pofika chaka cha 2025, mamiliyoni amatha kupindula ndi ndalama zokwana madola 50,000 pachaka, mamiliyoni ambiri mpaka $ 250,000 pachaka, ndipo okwana 400 omwe amalandira ndalama zokwana madola 7 miliyoni pachaka.
Anthu omwe amapeza ndalama zosakwana $ 200,000 kapena okwatirana osachepera $ 250,000 sakanawona kusintha kwa msonkho wawo.
Ndipotu, nzika zapansi ndi zapakati zomwe zimapeza ndalama zowonjezera zakhala zikulipira msonkho womwewo, koma mamiliyoni ambiri angapereke msonkho wapansi kusiyana ndi anthu a ku America omwe amapeza ndalama zocheperapo. Izi ndichifukwa chakuti olemera amalandira ndalama zambiri za ndalama zawo kupyolera mu ndalama zopanda msonkho. Popeza kuti gawoli la ndalama silingathenso kuwerengedwa ndi NIIT, iwo akhoza kututa mphotho yayikulu.
Monga poyamba, bungwe la American Health Care Act / Better Care Reconciliation Act likanakhala lopanda malipiro amisonkho ku America pamene akuchepetsa ndalama za Medicare, pulogalamu yachipatala yofunikira kwa anthu akale komanso odwala kwambiri. Pa July 13, 2017, poyankha kulira kwa anthu, GOP anamasula lamulo latsopano la Better Care Reconciliation Act lomwe linaletsa kuthetsa msonkho. Pamapeto pake, lamulo silinaperekedwe.
Mawu Ochokera
Ndalama zothandizira pulogalamu yachipatala ya federal imadza pa mtengo wake - womwe ndi wokonzeka kumalo ake onse. Mankhwala a Medicare akhala akugwira ntchito kuyambira mu 1966 ndi misonkho yowonjezera yowonjezera pa zaka. Cholinga chake chinali kuwonjezera ndalama za Medicare ndikulola anthu a ku America kupereka zopereka mogwirizana ndi njira zawo.
> Zotsatira:
> HI 01101.020 IRMAA Sliding Mawindo Aakulu. Webusaiti ya Social Security Administration. https://secure.ssa.gov/poms.nsf/lnx/0601101020. Idasinthidwa November 23, 2016.
>> Huang C, Marr C, Horton E. House GOP Health Plan Yopatsa Awiri Medicare Misonkho, Kupereka Ndalama Yaikulu Kwambiri Kuchokera kwa Olemera. Pakati pa Ndalama ndi Zopindulitsa za Ndondomeko. http://www.cbpp.org/research/federal-tax/house-gop-health-plan-eliminates-two-medicare-taxes-giving-very-large-tax-cuts. Kusinthidwa pa March 20, 2017.
>> Medicare Premiums: Malamulo Opeza Mapindu Aakulu. Webusaiti ya Social Security Administration. https://www.ssa.gov/pubs/EN-05-10536.pdf. Lofalitsidwa mu January 2017.
>> Mafunso ndi Mayankho a Zowonjezera Medicare Tax. Webusaiti ya IRS. Chiwongoladzanja Idasinthidwa pa December 6, 2016.
>> Mafunso ndi Mayankho pa Net Investment Income Tax. Webusaiti ya IRS. https://www.irs.gov/uac/newsroom/net-investment-income-tax-faqs. Idasinthidwa pa October 13, 2016.