Chifukwa Chake Mukuyeneredwa Kuti Mukhale Wokhululuka Mumasankha Momwe Mumafunira.
Ndalama Yodalirika Yothandizira Aliyense payekha imafuna anthu onse a ku US kuti akhale ndi inshuwalansi ya thanzi kapena kulipira chilango chomwe chimatchedwa kugawana nawo udindo . Ndipo ngakhale chilangocho chidzachotsedwa monga cha 2019, pakadalibe chilango cha kusavomerezedwa mu 2018 . Komabe, ngati mutalandira chithandizo cha inshuwalansi , mukhoza kupita popanda inshuwalansi ndipo simungathe kulipira ngongoleyo.
Kusungidwa kwa inshuwalansi ya umoyo sikulingana ndi kukula kwake. Pali zifukwa zosiyanasiyana zolekerera. Zokhululukidwa zina ndi zabwino kwa chaka chonse, pamene nthawi ya kusungidwa kwina imatsimikiziridwa ndi zinthu zomwe zimakupangitsani kukhala osasamala.
Mukhoza kuphunzira zambiri za mitundu yosiyanasiyana ya inshuwalansi ya umoyo wathanzi komanso ngati mungakhale oyenerera. Kuwomboledwa kwa mavuto ndi mtundu umene anthu ambiri adzasangalale nawo. Phunzirani zambiri za izo " Mmene Mungapezere Mavuto Otsutsana ndi Inshuwalansi ya Umoyo ."
Kugwiritsa Ntchito Kuwombola
Popeza kuti chithandizo cha inshuwalansi cha umoyo sichikugwirizana-kamodzi, momwe mungagwiritsire ntchito ufulu wosasintha sizingakhale zofanana-kaya, kaya. Momwe mumapempherera kuti mutetezedwe chifukwa chake mulibe ufulu.
Ena amapereka inshuwalansi za umoyo wathanzi; inu simusowa kuchita chirichonse. Mitundu ina imadzinenera pambuyo-pokhapokha mutasintha fomu yanu ya msonkho.
Zolinga zina za inshuwalansi za umoyo zimafuna kuti muzipempha kuti mupereke ufulu wothandizira inshuwalansi . Kusinthanitsa kudzawunika ntchito yanu ndipo idzapereka kapena kuchepetsa pempho lanu.
Mosasamala kanthu kuti inu mumalandira ufulu wanu pa kusinthanitsa kapena ku IRS pa kubwerera kwanu kwa msonkho, inu mugwiritse ntchito Fomu 8965 kuti mufunse ufulu wanu pamene mutulutsa msonkho wanu wobwerera.
Mu January 2017, IRS inati anthu 6,5 miliyoni a msonkho a msonkho adalipira chilango choti asatetezedwe m'chaka cha 2015, pomwe maofesi 12,7 miliyoni adatsutsa chilango.
Zosowa zomwe mungapeze kuchokera KUTHANIZIRA kusinthanitsa kapena kubwerera kwa msonkho
Muzochitika zina, muli ndi mwayi wopezera mwapadera kusinthanitsa, kapena mukupempha mutayatsa msonkho wanu wa msonkho:
- Ndiwe membala wa utumiki wogawana nawo zaumoyo .
- Ndinu membala wa fuko lodziwika ku India.
- Iwe uli mu ndende.
- Simukugwirizana ndi Medicaid chifukwa dziko lanu lasankha kuti lisapitirize Medicaid. Pali mayiko 19 omwe sanayambe kuwonjezera Medicaid, kusiya anthu pafupifupi 2.4 miliyoni mu kusiyana kwa Medicaid .
Zokhululukidwa Zomwe Zimaperekedwa Pamene Mulipira Mitengo Yowonjezera Boma
Ngati mulibe inshuwalansi pa zifukwa zotsatirazi, mukhoza kudandaula kuti mutapereka msonkho wanu pa msonkhanowu pa April 15 chaka chotsatira.
- Muli ndi mphindi yochepa yowerengera yomwe inatha miyezi isanu ndi itatu (onetsetsani kuti ngati kusiyana kwanu kumakhala kwa miyezi itatu mukhoza kukhala pa chikole cha miyezi itatu).
- Simukukhala ku United States mwalamulo, kapena ndinu ovomerezeka osakhala nzika omwe sakhala ndi udindo wothandizira inshuwalansi, kapena ndinu nzika za ku America zomwe mukukhala kunja.
- Simungapeze inshuwalansi ya mtengo wapatali yokwana 8.05 peresenti ya ndalama zanu zapakhomo mu 2018, kuphatikizapo anthu omwe amakhudzidwa ndi banja labwino . Ngati muli oyenera kulandira malipirowa, ganizirani kuti mupereke mwayi wothandizira ufulu wanu wa inshuwaransi ngakhale kuti simukufunikira kuchita zimenezo. Kukhululukidwa kwapadera kumeneku kumakupangitsani kuti mugule ndondomeko yosawonongeka ya mtengo wapatali kudzera mu inshuwalansi ya umoyo wanu ngakhale mutakhala osayenera chifukwa muli ndi zaka zoposa 30.
Popeza mudzafunikira chitsimikiziro kuti mudzakonzekerere pulogalamu yowopsya, mudzapindula mwa kupeza ufulu wothandizira inshuwalansi kumayambiriro kwa chaka kusiyana ndi kuyembekezera mpaka mutapereka msonkho chaka chamawa.
Zowonetsera Zimene Mumapereka Kudzera mu Kusintha kwa Inshuwalansi ya Umoyo
Ngati mulibe inshuwalansi ya umoyo chifukwa cha zifukwa zotsatirazi, muyenera kugwiritsa ntchito inshuwalansi ya umoyo wanu kudzera mu inshuwalansi ya umoyo wanu.
- Inuyo muli membala wachipembedzo chodziwika bwino kuyambira zaka za 1950 zomwe zimapangitsa inshuwalansi yathanzi. Mwachizolowezi, izi ndizochepa ku mipingo ya Amish ndi Old Order Mennonite.
- Mukupempha kuti mukhale ndi umoyo wabwino wa inshuwaransi.
- Ndiwe woyenerera kupeza chithandizo chamankhwala kudzera mwa wothandizira zaumoyo wa ku India.
- Kufotokozera kwanu pochita kusinthanitsa kudzaonedwa kuti ndi kosayenerera malinga ndi ndalama zomwe mwapeza pa chaka chomwe chikubwerako (chaka cha 2017, malo osayenerera ndi 8.16 peresenti ya pakhomo lanu, mutatha kuwerengera ndalama zothandizira ndalama zanu).
- Mwalembedwera kufotokoza kudzera mwa AmeriCorp, VISTA, kapena NCCC.
Phunzirani momwe mungagwirizanitse inshuwalansi ya umoyo wanu ku HealthCare.gov. Konzekerani kupereka zotsatila ndi umboni wa mavuto anu kapena kulandila kwanu kupeza chithandizo chamankhwala kupyolera mwa wothandizira zaumoyo wa ku India.
Ngati mukugwiritsa ntchito chifukwa cha kutsutsa kwachipembedzo, mfundozo ndi zovuta kwambiri kuphatikizapo kulandira zopindulitsa zanu za Social Security. Onaninso zowonongeka mu " Kodi Mungapeze Ufulu wa Inshuwalansi Zaumoyo? "
Ngati mukupempha kuti mukhale ndi ufulu wotsalira ndipo dziko lanu likugwiritsa ntchito inshuwalansi ya health insurance ku HealthCare.gov, mukhoza kuyang'ana ntchito yovuta yoperekera pano.
Zowonongeka za Inshuwalansi Zaumoyo
Zotsatira zotsatirazi ndizodziwikiratu. Simusowa kuti muyiteteze kapena kuitanitsa pa msonkho wanu wobwereranso, chifukwa imagwira ntchito kwa anthu omwe safunikanso kubwezera:
- Ndalama zanu ndizochepa kwambiri moti simukufunikira kupereka msonkho wa boma. Zomwe zimadziwika kuti ndizosungira ndalama, ndalama zomwe mungapange ndipo simukufunikira kuti mupereke msonkho chaka chilichonse. Mukhoza kuyang'ana pa posachedwa kufotokoza kwa IRS chikalata 501 .
Ngati malipiro anu ali pansi pa malo osungirako, zowonjezera zanu zimangokhalapo. Mwina mukhoza kumaliza kufalitsa msonkho kuti mubwezeretse msonkho umene unagwidwa ndi abwana anu pachaka. Pankhaniyi, pali malo pa Fomu 8965 poyesa kukhululukidwa.
Ndani Sakusowa Kukhululukidwa?
Simukusowa ufulu ngati muli ndi inshuwaransi yaumoyo kale. Izi zimaphatikizapo inshuwalansi ya msika wina, inshuwalansi yogulitsidwa ndi abwana, chithandizo choperekedwa ndi boma (VA, Medicare, Medicaid, CHIP, Tricare), ndi mitundu yosiyanasiyana ya kufalitsa.
Pali anthu ena omwe boma la federal likuchita ngati iwo achita chofunikira kuti akhale ndi inshuwalansi ya umoyo ngakhale alibe insurance inshuwalansi. Anthu awa safunikira kuitanitsa ufulu wa inshuwalansi; iwo sadzayenera kulipira malipiro omwe anagawana nawo, mwina. Izi zikugwira ntchito kwa inu ngati:
- Ndiwe wokhala ku Puerto Rico, zilumba za Virgin za ku US, American Samoa, Guam, kapena Northern Mariana Islands. Kuti izi zitheke, muyenera kukhala pafupi kwambiri ndi dziko la US kumene mumati mukukhalapo kuposa momwe mukuchitira ku United States wokha kapena dziko linalake.
- Mukukhala kunja kwa United States kwa masiku osachepera 330 pachaka ndipo muli ndi msonkho kunja kwa US (ngati mukupitiriza kubweza msonkho wanu ndi US, ngakhale mukukhala kunja kwa masiku osachepera 330 pachaka, mudzakhala funsani kukhululukidwa ku chilango pa kubwerera kwa msonkho kwanu ku US).
> Zotsatira:
> Zowonjezera zapadera zapakhomo , Fomu 8965 . Inapezeka 5/31/16.
> Utumiki Wopezeka M'zinthu, Kupatsidwa Udindo Wawo Payekha - Kuperekedwa: Kutenga kapena Kulengeza. Inapezeka 5/31/16.
> Mapulogalamu apakati a zapakhomo, Njira Yopezera Ndalama 2016-24 . Inapezeka 5/31/16.
> Koskinen, John. Utumiki Wopezeka M'zinthu. Letter to Congress ponena za msonkho wa msonkho wa 2016 wokhudzana ndi Ntchito Yodalirika yothandizira . January 9, 2017.