Zimene Mukuyenera Kudziwa Ponena za Kuchokera Kisonkho kwa Ndalama Zamankhwala
Mukukonzekera misonkho yanu? Mwinamwake mukuyang'ana mitu yochuluka ya msonkho momwe zingathere. Chithandizo chamankhwala n'chokwera mtengo, kotero ngati mungathe kulemba mtengo wa chithandizo chamankhwala anu , mukhoza kuchepetsa msonkho wanu.
Komabe, malamulo a IRS ndi ovuta komanso omveka bwino. Mukuyenera kumvetsa kuti ndalama zomwe mumagula ndizofunika kuti mutengere msonkho, kodi ndi ndalama zotani zimene mumagula, komanso ngati muli ndi ndalama zokwanira zolipirira msonkho kuti muzipindula.
Njira Zili Zolemba Zolemba Zamankhwala pa Zamankhwala
Njira ziwiri zolembera ndalama zowonjezera ndi:
- Azineneni ngati chiwongoladzanja cha misonkho pamene inu mutasankha ndalama zanu.
Izi ndi momwe anthu ambiri amalephera kulipira ndalama zawo. Muyenera kugwiritsa ntchito ndondomeko A ya Fomu 1040. Ngati mutenga ndalama zochepa kusiyana ndi zomwe mumapereka, simungathe kulemba ndalama zomwe mumagwiritsa ntchito pokhapokha ngati mukuyenera kugwiritsa ntchito njira yachiwiri. - Awuzeni ngati kusintha kwa ndalama zanu.
Izi zimachepetsanso ndalama zomwe mumapeza kuti zikupangitsani kuti mupange ndalama zochepa. Zothandizira zamankhwala zomwe zingathe kulembedwa mwanjira imeneyi sizikhala zochepa koma zingaphatikizepo mtengo wa inshuwalansi ya inshuwalansi kwa ogwira ntchito.
M'nkhaniyi, tiyang'ana njira yoyamba. Zimakupatsani inu kulemba ndalama zambiri za mankhwala ngati ndalama zanu zonse zogula ndizokwanira, ndipo palibe chofunikira kuti mukhale ogwira ntchito.
Kodi Muli ndi Ndalama Zambiri Zamankhwala Kuti Muzipindula Nanu?
Pofuna kudula msonkho wa zamankhwala pa ndondomeko A , ndalama zanu ziyenera kuwonjezera pa 10 peresenti ya ndalama zanu.
Mukungotenga ndalama zomwe zikuposa 10 peresenti. Mwachitsanzo, ngati ndalama zanu zowonjezera ndi $ 100,000 ndipo muli ndi $ 12,000 pazofunikira zothandizira zamankhwala, mudzapeza ndalama zokwana madola 2,000. Ndalama zoyamba zokwana madola 10,000 zoyamba zamankhwala zimagwiritsidwa ntchito pokwaniritsa 10 peresenti. Zotsala $ 2,000 zikhoza kudzinenera ngati kuchotsedwa msonkho.
Kuchotsa malire kumagwiritsidwa ntchito kukhala 7,5 peresenti ya ndalama zowonongeka, koma chinawonjezeka kufika pa 10 peresenti mu 2013. Komabe, ngati inu kapena mnzanuyo muli ndi zaka 65 kapena kuposerapo, IRS inasunga chiwonongeko cha 7.5% cha ndalama zanu zowonongeka kupyolera mu 2016. Kuyambira mu 2017, gawo locheperapo 10 peresenti likugwira ntchito kwa aliyense.
Bungwe la American Health Care Act (AHCA), limene a Republican House omwe adapereka mu May 2017 pofuna kuyesa kubwezeretsa ACA, lidapangitsa kuti 5,8 peresenti ya ndalama zowonongeka zitheke mpaka 2017. Lamuloli silinapite Senate, komabe, kutanthauza kuti kuchepa kwake kumakhalabe pa 10 peresenti.
Ndalama Ziti Zamankhwala Zimayesa?
Malingaliro anu pa zomwe zimapanga ndalama zothandizira ndalama zingakhale zosiyana ndi maganizo a IRS. Malingana ndi IRS, "Zopereka za chithandizo chamankhwala ayenera kukhala makamaka kuchepetsa kapena kuteteza vuto la thupi kapena maganizo kapena matenda. Sizimaphatikizapo ndalama zomwe zimangothandiza kuti mukhale ndi thanzi labwino, monga mavitamini kapena tchuthi. "Kuti muwerenge malamulo anu, onani Gawo 213 la Internal Revenue Code.
Simungathe kuitanitsa ndalama zomwe kampani yanu inshuwalansi ya zaumoyo inalipiritsa, kapena ndalama zomwe mumalipiritsa ndi akaunti yanu yosagula msonkho kapena ndalama za ndalama .
Mwa kuyankhula kwina, palibe "kubwereza kawiri."
Ngati munalandira chithandizo chamankhwala chaka choperekedwa, koma munalipiritsa chisamaliro chaka chosiyana, mumadzinenera ndalama zomwe mudalipira, osati chaka chomwe munalandira. Mwachitsanzo, ngati mutalandira chithandizo m'dzinja la 2015 koma simunalipire chithandizochi kufikira mwezi wa 2016, mutadandaula ndalama zowatengera pa misonkho yanu 2016, yomwe mudaperekedwa pa April 18, 2017.
Nthaŵi zina, mukhoza kutenga ndalama za inshuwalansi ya umoyo monga ndalama zothandizira odwala. Phunzirani zambiri mu " Kodi Inshuwalansi ya Thandizo la Umoyo? "Ngati muli ogwira ntchito, muli ndi mwayi wogula malipiro omwe mumadzilipira nokha (osaphatikizapo ndalama zothandizirapo zomwe mumalandira, kapena ndalama zomwe aliyense akulipirirani).
Zikatero, simusowa kuti mutenge ndalama zanu. Koma kwa anthu omwe sadzigwira ntchito, inshuwalansi ya inshuwalansi imatha kuloledwa ndi ndalama zina zowonjezera kuchipatala kuti zifike padera (10 peresenti ya ndalama zowonongeka).
Mndandanda wafupipafupi wa ndalama zowonongeka zokhudzana ndi zamankhwala ndizo:
- Thanzi lanu la inshuwalansi deductible , copayments , ndi coinsurance
- Ndalama zanu zogwiritsira ntchito mankhwala osokoneza bongo (Izi siziphatikizapo chamba kapena mankhwala osokoneza bongo omwe amatumizidwa kudziko mosavomerezeka.)
- Kusamalidwa kwa psychotherapy kapena psychoanalysis ndalama
- Ma Bandage ndi Matenda Akhuni
- Ma lens ndi magalasi ogwiritsidwa ntchito pofuna kukonza masomphenya
- Pezani njira yothetsera lens
- Zothandizira kumva ndi mabatire othandizira kumva
- Pampu yamatumbo imapereka
- Mavitamini opangira mavitamini
- Makina oyesa mimba
- Zogwiritsira ntchito nthawi yaitali (malamulo oyenerera akugwira ntchito) komanso mapepala apadera a inshuwalansi a nthawi yaitali .
Pa mndandanda wa IRS wa ndalama zoyenera zamankhwala, onani IRS Publication 502.
Ndani Amene Amawononga Ndalama Zamankhwala?
Kawirikawiri, mungathe kuitanitsa msonkho wa misonkho chifukwa cha ndalama zanu, zomwe mumagula komanso zomwe mumagwiritsa ntchito.
Zotsutsa
Ndine RN ndi katswiri wa inshuwalansi ya umoyo, osati woimira msonkho, CPA, kapena katswiri wamisonkho. Choncho, mfundo zomwe zili m'nkhaniyi siziyenera kutengedwa ngati msonkho, ndalama, kapena malamulo. M'malo mwake, gwiritsani ntchito kuthandizira kufotokozera zomwe mukufunikira kupeza akatswiri amisonkho za akatswiri. Funsani malangizo kwa katswiri wamisonkho kapena mudziwe zambiri kuchokera ku IRS musanayambe kuchita ndalama. Elizabeth Davis, RN
Zotsatira:
Congress.gov. HR1628. Bungwe la American Health Care Act la 2017 (lomwe linatulutsidwa pa March 20, 2017, lapita nyumba ya May 4, 2017)
Chikondwerero cha Chilamulo cha Cornell, Institute Institute Information Information, 26 US Code 213, Medical, Manyowa, ndi zina zotero.
Utumiki Wopezeka M'zinthu. Zofalitsa 502, Zamankhwala Zamankhwala ndi Zamano .