Kumvetsetsa ndalama za ACA's Premium Tax Credit Health Inshuwalansi
Ndalama Zopindulitsa Zophatikizapo zimaphatikizapo thandizo la boma lothandiza anthu kulipira ndalama za inshuwalansi. Imodzi mwa inshuwalansi ya umoyo wa inshuwalansi ndiyo ngongole ya msonkho yomwe imapereka malipiro omwe amathandiza kulipira malipiro anu a inshuwalansi ya mwezi uliwonse.
Pansi pa Boma la Trump, olamulira a Republican anakhala zaka zambiri mu 2017 akuyesera kubwezera ACA ndikuwatsitsimutsa ndi zifukwa zina, koma sanapindule.
Msonkho wa Tax Cuts and Jobs (HR1), womwe unakhazikitsidwa mu December 2017, udzatha kubwezera chilango cha ACA payekha, koma izi sizidzatha kufikira 2019 ( pakadalibe chilango choti asatetezedwe mu 2018 ). Ndipo ndondomeko ya bajeti ya Januwale inalepheretsa misonkho yochepa ya ACA, kuphatikizapo msonkho wa Cadillac .
Koma ayi, palibe chomwe chatsintha pa ACA. Kugawidwa kwa ndalama zomwe zimagwiritsidwa ntchito pa ndalama zimakalipobe kwa olembetsa oyenerera, ngakhale kuti Boma la Trump linasiya ndalama zowonjezera kumapeto kwa 2017 (inshuwalansi amangowonjezerapo ndalama zowonjezerapo ndalama, m'malo mwake, zomwe zimapangidwanso ndi ndalama zowonjezereka zowonjezereka). Ndipo msonkho wokhoma msonkho wapamwamba, wakale wothandiza ndalama, umakhalabe wogwira ntchito, ndipo ukalipobe kwa anthu omwe amagula malonda kudzera kusinthana .
Ndalama / ngongole ya msonkho yoyamba ndi yovuta. Kuti mupeze thandizo la ndalama ndikuligwiritsira ntchito molondola, muyenera kumvetsa mmene thandizo la inshuwaransi la umoyo limagwirira ntchito.
Ngati simugwiritsa ntchito bwino, mungathe kumaliza ndalama. Pano pali zomwe muyenera kudziwa kuti mupeze thandizo lomwe mukuligwiritsira ntchito ndikuligwiritsa ntchito mwanzeru.
Kodi ndimayitanitsa bwanji ndalama zothandizira inshuwalansi?
Limbikitsani msonkho wokhoma msonkho pamalonda anu a inshuwalansi .
Ngati mutapeza inshuwaransi yanu paliponse, simungapeze msonkho wa msonkho wapadera (Otsatira a Lamar Alexander ndi Bob Corker, onse awiri a Republican omwe akuimira Tennessee, adatulutsa American Health Care Options Act ya 2017, yomwe ingalole kuti olembetsa apeze ndalamazo msonkho wa msonkho chifukwa cha mapulani omwe anagulidwa kunja kwa kusinthanitsa, ngati palibe mabungwe omwe amapereka ndondomeko yosinthanitsa kudera linalake; lamulo silinapite patsogolo mu 2017, ndipo madera onse a dziko adatha kukhala ndi ndondomeko zogwiritsira ntchito kwa 2018).
Ngati simukuvutikira kugwiritsa ntchito nokha ku inshuwalansi ya umoyo chifukwa cha kusintha kwa dziko lanu, mungapeze thandizo kuchokera kwa wothandizira inshuwalansi wathanzi amene amatsimikiziridwa ndi kusinthanitsa, kapena kuchokera kwa olembetsa / woyendetsa. Anthu awa akhoza kukuthandizani kulembera ndondomeko yanu ndikukwaniritsa ndondomeko yoyenera kuonetsetsa ndalama kuti muwone ngati muli oyenera thandizo (palibe malipiro awo othandizira).
Kodi Ndiyenera Kuyenerera Kwa Ndalama?
Anthu omwe amapanga gawo limodzi la magawo zana ndi makumi asanu mwa magawo makumi asanu ndi limodzi (100%) a federal level level angapereke ndalama zothandizira ndalama za inshuwalansi zothandizira msonkho. pansi pa mlingo umenewo).
Umphawi wadziko lonse umasintha chaka chilichonse, ndipo umachokera ku kukula kwanu kwa banja. Mukhoza kuyang'ana FPL chaka chino.
Mudzagwiritsa ntchito mafomu a FPL chaka chino kuti mugwiritse ntchito ndalama zothandizira inshuwaransi ya chaka chamawa. Mwachitsanzo, ngati mwafunsira dongosolo la 2018 la Obamacare panthawi yolembera kumapeto kwa 2017, kapena ngati mukufuna kuunikira 2018 pakati pa 2018 pogwiritsira ntchito nthawi yolembetsa (yochitidwa ndi chiyeneretso), mudzagwiritsa ntchito Ophunzira a FPL kuchokera mu 2017. Chifukwa chakuti kulembera kwa olembapo 2018 kumayambiriro kumapeto kwa 2017, zomwe ziwerengero za 2018 FPL zisanafike. Mwachizoloŵezi, nambala zofanana za FPL zimagwiritsidwa ntchito pa chaka chonse chofalitsa.
Nambala zatsopano za FPL zimatuluka chaka chakumapeto kwa mwezi wa January, koma sizigwiritsidwa ntchito popereka mwayi wothandizira ndalama mpaka pulogalamu yolembera imayambiranso mu November, kuti chaka chino chichitike.
Pofuna kufikitsa ntchito mu 2018, pogwiritsa ntchito mayendedwe 2017 FPL, ku US continental (FPL ndipamwamba ku Alaska ndi Hawaii), mudzayenerera ndalama zothandizira inshuwalansi monga munthu ndi ndalama zowonjezera:
- $ 12,060 mpaka $ 48,240 kwa munthu mmodzi (pansi pake ndi $ 16,763 ngati muli mu boma lomwe lawonjezera Medicaid)
- $ 16,240 mpaka $ 64,960 kwa banja (pansi pake ndi $ 22,823 ngati muli mu boma lomwe lawonjezera Medicaid
- $ 24,600 mpaka $ 98,400 kuti banja la anayi (pansi pake ndi $ 33,194 ngati muli mu boma lomwe lawonjezera Medicaid).
Mukakumana ndi ziyeneretso zapakhomo, mungakhalebe osayenerera pa chithandizo. Zingakhale choncho ngati:
- Dongosolo la siliva lachiwiri-la mtengo wapatali m'deralo likuwonedwa kuti ndi lopanda ndalama pazomwe mumapeza, ngakhale opanda chithandizo.
- Mukuyenera kulandira mtengo wapatali, wokhala ndi mtengo wapatali kuchokera kwa abwana (anu kapena a mwamuna kapena mkazi wanu). Onani kuti kuthekera kwa malingaliro omwe amagwiritsidwa ntchito ndi abwana akuwerengedwa pokhapokha pazofunikira kwa ogwira ntchito, mosasamala kanthu zomwe zimafunika kuwonjezera wokwatirana ndi odalira. Koma mwamuna kapena mkaziyo ndi odalirika sali oyenera kulandira ndalama zogulira ngati ntchitoyo ikuwerengedwa kuti ndi yotsika mtengo kwa wogwira ntchitoyo ndipo imaperekedwa kwa abanja. Izi zimatchedwa glitch banja .
Ndingapeze Ndalama Zotani?
Kuti muwone momwe ndalama zanu zowonjezera ngongole zidzakhalira, muyenera kudziwa zinthu ziwiri:
- Chopereka chanu choyembekezeredwa ku mtengo wa inshuwalansi ya umoyo wanu
Mukhoza kuyang'ana pa tebulo pansi pa tsamba. Onani kuti amasintha chaka chilichonse. Ndalama zokwana 2018 zinali zofotokozedwa mu ndondomeko ya IRS Revenue Process 2017-36 , ndipo kwenikweni zinali zocheperapo kuchokera ku zopereka zapakati pa 2017 (iyi inali nthawi yoyamba kuti magawo adatsika kuchoka chaka chimodzi kupita kumapeto, m'malo moonjezera). - Ndondomeko ya ndondomeko ya thanzi lanu labwino
Ndondomeko yanu yachitsulo ndi ndondomeko ya umoyo wa siliva ndi yachiwiri pamwezi wapafupi pamwezi wanu. Inshuwalansi yanu ya inshuwalansi ingakuuzeni kuti ndondomeko iyi ndi yotani. Mutha kuzilandila nokha mwa kungodzipangira nokha potsatsa malonda, kuwasankhira pamtengo (womwewo ndi wosasinthika), ndikuyang'ana dongosolo lachilidi la mtengo wapatali kwambiri.
Mphatso yanu yothandizira ndiyo kusiyana pakati pa zopereka zomwe mukuyembekezerapo ndi mtengo wa ndondomeko yachitsulo m'deralo. Onani chitsanzo cha momwe mungawerengere mtengo wanu wamwezi ndi ndalama zanu zothandizira pansi pa tsamba (koma dziwani kuti kusinthanitsa kudzachita mawerengero onse awa - chitsanzo ndikungokuthandizani kumvetsetsa momwe izo zimagwirira ntchito, koma inu musasowe kuti muwerenge izi kuti mutenge ngongole yanu ya msonkho!).
Kodi ndingagule Pulogalamu Yopanda Phindu Kusunga Ndalama, Kapena Ndiyenera Kugula Mapulani a Zowonetsera?
Chifukwa chakuti ndondomekoyi yagwiritsidwa ntchito powerengera ndalama zanu sizikutanthauza kuti muyenera kugula ndondomekoyi. Mukhoza kugula chilichonse chamkuwa, siliva, golide, kapena platinum yomwe ikupezeka pa inshuwalansi ya umoyo wanu. Inu simungagwiritse ntchito chithandizo chanu kuti mugule ndondomeko yowopsya , komabe.
Ngati mutasankha ndondomeko yomwe imapanga ndalama zambiri kuposa ndondomeko yachitsulo, kuphatikizapo zopereka zomwe mukuyembekezerapo, mudzalipira kusiyana kwa mtengo wa ndondomeko ya zizindikiro komanso mtengo wa mapulani anu okwera mtengo. Ngati mutasankha ndondomeko yotsika mtengo kusiyana ndi ndondomeko yachitsulo, mudzalipiritsa ndalama zochepa chifukwa ndalama zothandizira zidzakwaniritsa gawo lalikulu la mwezi uliwonse. Ngati mutasankha mtengo wotsika mtengo ndipo umakhala wotsika kusiyana ndi chithandizo chanu, simudzasowa kulipira kalikonse pa inshuwalansi ya thanzi. Komabe, simungapeze ndalama zowonjezera (zolemba kuti anthu m'madera ambiri amatha kupanga mapulani a mkuwa popanda malipiro a 2018 -kugwiritsa ntchito ndalama zawo za msonkho wapamwamba-chifukwa cha momwe mtengo wogawa ndalama zolipirira zawonjezeredwa ku malipiro a ndalama za 2018).
Ngati mukuyesera kusunga ndalama posankha ndondomeko yokhala ndi mtengo wapatali , (monga ndondomeko ya mkuwa m'malo mwa ndondomeko ya siliva), dziwani kuti mutha kukhala ndi chitsimikizo chokwanira komanso ndalama zothandizira ndalama mukamagwiritsa ntchito inshuwalansi ya umoyo wanu. Koma mwachinthu china chodabwitsa cha 2018 kufotokozera, mapulani a golide m'madera ena ndi otsika mtengo kuposa ndalama zasiliva (popeza mtengo wa kugawana mtengo kwawonjezeredwa ku siliva mapulani), ngakhale kuti mapulani a golide ali apamwamba kwambiri .
Komabe, ngati muli ndi ndalama zosakwana 250 peresenti ya FPL-makamaka ngati pansi pa 200 peresenti ya FPL-ganizirani kusankha ndondomeko ya siliva, momwe phindu lenileni la ndondomekoyi lidzakhala bwino kuposa ndondomeko ya golide, kapena ena milandu, ngakhale bwino kuposa dongosolo la platinum. Ndi chifukwa chakuti pali ndalama zosiyana zomwe zimachepetsanso ndalama, ndalama zothandizira anthu, komanso zoperewera kwa anthu omwe ali ndi ndalama zoposa 250% za umphaŵi. Anthu oyenerera angathe kugwiritsa ntchito kuwonjezera pa ndalama zothandizira msonkho. Komabe, zimapezeka kwa anthu omwe amasankha ndondomeko ya siliva.
Kodi Ndiyenera Kudikira Mpaka Nditapereka Misonkho Yanga Kuti Ndipereke Mphoto Kuyambira Iyo Ndiyo Ngongole?
Simuyenera kudikira mpaka mutapereka misonkho. Mukhoza kulandira msonkho wa msonkho pasadakhale. Komabe, ngati mukufuna, mungasankhe kupeza ngongole yanu ya msonkho ngati msonkho wa msonkho pamene mumapereka misonkho mmalo mokhala ndi ndalamazo pasadakhale. Njirayi imapezeka pokhapokha ngati mwalembetsa ndondomeko kudzera mukusintha. Ngati mugula ndondomeko yanu kuchokera kwa kampani ya inshuwalansi, simungayamikire ndalama zothandizira pulogalamu yapamwamba, ndipo simungathe kudandaula kuti mutha kubweza msonkho.
Ngati malipiro anu ali ochepa kwambiri moti simuyenera kupereka msonkho, mutha kupeza chithandizo, ngakhale kuti simungapereke thandizo ngati ndalama zanu zili pansi pa umphaŵi (kapena pansi pa 139 peresenti ya umphaŵi muzinena zomwe zawonjezera Medicaid).
Mosasamala kanthu kuti mutenga chithandizo chanu pachaka chaka chonse kapena ndalama zapadera pamabwerero anu a msonkho, muyenera kufalitsa Fomu 8962 ndi kubweza msonkho wanu. Ndiwo mawonekedwe a kubwezeretsa (kapena kudzinenera mokwanira) ngongole yanu ya msonkho yoyamba.
Kodi Ndingapeze Bwanji Ndalama?
Ngati mwasankha kupeza ndalama zowonjezera msonkho, boma limatumiza ndalamazo ku kampani ya inshuwalansi ya umoyo wanu m'malo mwanu. Malingaliro anu a inshuwalansi a zaumoyo kuti ndalama zimayendera mtengo wanu wa inshuwalansi ya inshuwalansi, kuchepetsa kuchuluka kwa momwe mudzalipirire mwezi uliwonse.
Ngati mukufuna kusankha msonkho wa msonkho wapadera ngati msonkho wa msonkho, ndalamazo zidzaphatikizidwa mu kubwezeretsa msonkho pamene mupereka misonkho. Izi zikhoza kutanthauza kubwezera msonkho waukulu. Koma, mudzalipiritsa inshuwalansi ya umoyo mwezi ulionse kuyambira mutapereka malipiro anu onse ndi gawo lomwe likanakhala loperekedwa ndi thandizo ngati mutasankha chithandizo chopambana. Icho chidzatulukanso ngakhale kumapeto, koma ngati inu muli otsika pakhomo, mungapeze chithandizo cholipira chongowonjezereka kuposa momwe mumagwiritsira ntchito.
Ndichifukwa chiyani ndikudikira mpaka nditapereka misonkho yanga kuti ndipeze chithandizo?
Anthu ambiri safuna kuyembekezera; iwo amasankha kusankha chongopeza chanzeru. Komabe, ganizirani kusankha kuti mupatse chithandizo ndi msonkho wanu wa msonkho ngati:
- Ndalama zanu zili pafupi kwambiri ndi 400 peresenti ya FPL.
- Mapu anu amasiyana chaka ndi chaka kotero simukudziwa momwe mungapangire.
Pamene chithandizo chikulipidwa pasadakhale, kuchuluka kwa ndalamazo kumachokera pa chiwerengero cha ndalama zanu za chaka chomwecho. Ngati kulingalira kuli kolakwika, ndalama zothandizira sizidzakhala zolakwika.
Ngati mutapeza ndalama zosachepera, ndalama zothandizira zapamwamba zidzakhala zochepa kuposa momwe ziyenera kukhalira. Mudzapeza zonse monga msonkho wa msonkho.
Ngati mutapeza zambiri kuposa momwe mukuganizira, boma lidzatumiza ndalama zambiri zothandizira kampani yanu ya inshuwalansi. Muyenera kubwezera gawo kapena ndalama zonse zothandizira mutapereka msonkho. Choipa kwambiri, ngati ndalama zanu zatha zoposa 400 peresenti ya FPL, mudzayenera kulipira ngongole iliyonse ya chithandizo . Izi zikhoza kukhala madola zikwizikwi.
Ngati mutapeza chithandizo chanu mukamapereka msonkho wanu m'malo mopititsa patsogolo, mudzalandira ndalama zowonjezera ndalama chifukwa mudzadziwa momwe mwakhalira chaka chimenecho. Simudzasowa kulipira .
Ndi Chiyani Zina Zomwe Ndiyenera Kudziwa Zomwe Momwe Inshuwalansi ya Umoyo Imathandizira?
Ngati chithandizo chanu chikulipiriratu pasadakhale, dziwitsani inshuwalansi yaumoyo wanu ngati ndalama zanu kapena kukula kwa banja lanu zisintha m'chaka. Kusinthanitsa kungabwererenso ndalama zanu zothandizira kwa chaka chonse chokhazikika pazomwe mumaphunzira. Kulephera kuchita izi kungabweretse ndalama zothandizira kwambiri kapena zochepa kwambiri, ndikuyenera kupanga kusintha kwakukulu ku ndalama zothandizira pa nthawi ya msonkho.
Chitsanzo cha Momwe Mungayankhesire Thandizo la Inshuwalansi ya Umoyo
Kumbukirani kuti kusinthanitsa kudzachita mawerengero onsewa. Koma ngati mukufuna kudziwa momwe amachokera ndi ndalama zothandizira, kapena ngati mukufuna kubwereza kawiri kawiri kuti chithandizo chanu chili cholondola, apa pali zomwe muyenera kudziwa:
- Onani momwe ndalama zanu zikufanizira ndi FPL.
- Pezani mlingo wanu wopereka ndalama mu tebulo ili m'munsiyi.
- Sungani ndalama zomwe mumayenera kupereka.
- Pezani ndalama zanu zothandizira pothandizira phindu lanu pa mtengo wapadera.
Tom ndi wosakwatira ali ndi ndalama zokwana madola 23,000 pachaka. FPL ya 2017 (yogwiritsidwa ntchito polemba 2018) ndi $ 12,060 kwa anthu osakwatira.
- Kuti mudziwe mmene ndalama za Tom zikufananirana ndi FPL, gwiritsani ntchito:
ndalama ÷ FPL x 100.
$ 23,000 ÷ $ 12,060 × 100 = 191.
Ndalama za Tom ndi 191 peresenti ya FPL. - Pogwiritsa ntchito tebulo ili m'munsi, Tom akuyenera kupereka pakati pa 4.03 mpaka 6.34 peresenti ya ndalama zake. Tiyenera kudziwa kuchuluka kwa njira yomwe alili ndi ndalama 191 peresenti ya FPL. Timachita zimenezi potenga 191-150 = 41, ndikugawanika ndi 50 (kusiyana kwathunthu pakati pa 150 ndi 200 peresenti ya FPL. 41/50 = 0.82, kapena 82 peresenti.
- Kenaka, timadziwa nambala 82 peresenti ya njira ya pakati pa 4.03 ndi 6.34. Timagwiritsa ntchito 6.34-4.03 = 2.31, ndipo timatenga 82 peresenti ya izo. 2.31 kuchulukitsa ndi 0.82 = 1.89. Kotero timayamba ndi 4.03 ndikuwonjezera 1,89, ndipo izi zimatipatsa 82 peresenti ya njirayo. 4.03 + 1.89 = 5.92
- Tom akuyembekezeredwa kulipira 5,92 peresenti ya ndalama zake pa ndondomeko ya siliva.
- Kuti muone kuchuluka kwa Tom akuyenera kupereka, gwiritsani ntchito izi:
5.92 ÷ 100 x phindu = chofunika cha Tom.
5.92 ÷ 100 x $ 23,000 = $ 1,361.60.
Tom akuyembekezeka kupereka $ 1,361.60 pachaka, kapena $ 113.47 pamwezi, poyerekeza ndi mtengo wa inshuwalansi yake ya umoyo. Ndalama zowonjezera ngongole zothandizira msonkho zimapereka ndalama zina zonse za ndondomeko ya thanzi labwino. - Ndondomeko ya thanzi labwino pa Tom inshuwalansi ya mgwirizano ndi ndalama zokwana madola 3,900 pachaka kapena $ 325 pamwezi. Gwiritsani ntchito equation kuti muzindikire ndalama zothandizira:
Ndondomeko ya ndondomeko ya malire - gawo loyembekezeka = kuchuluka kwa ndalama.
$ 3,900 - $ 1,361.60 = $ 2,538.40.
Ndalama ya Tom ya msonkho wa msonkho idzakhala $ 2,538.40 pachaka kapena $ 211.53 pamwezi.
Ngati Tom akusankha ndondomeko ya malipiro, kapena $ 325 pa ndondomeko ya mwezi, adzalandira $ 113.47 pamwezi pa inshuwaransi yake ya umoyo. Ngati amasankha ndondomeko yokwana madola 425 pamwezi, adzalipira madola 213.47 mwezi uliwonse chifukwa cha inshuwalansi ya thanzi. Ngati amasankha ndondomeko yokwana madola 225 pa mwezi, amalipira $ 13.47 pamwezi pa inshuwalansi yake ya thanzi.
Ndalama Yanu Yomwe Mukuyembekezera Yanu ku Nyuzipepala Yanu ya Inshuwalansi ya 2018
| Ngati ndalama zanu ndi: | Chopereka chanu choyembekezeka chidzakhala: |
|---|---|
| 100% -132% ya umphawi | 2.01% ya ndalama zanu |
| 133% -149% ya umphawi | 3.02% -4.03% ya ndalama zanu |
| 150 -% - 199% ya umphawi | 4.03% -6.34% ya ndalama zanu |
| 200% -249% ya umphawi | 6.34% -8.1% ya ndalama zanu |
| 250% -299% ya umphawi | 8.1% -9.56% ya ndalama zanu |
| 300% -400% ya umphawi | 9.56% mwa ndalama zanu |
> Zotsatira:
> Congress.gov, S.761, Health Care Options Act ya 2017.
> Dipatimenti ya zaumoyo ndi zithandizo zaumunthu, Chitetezo cha odwala komanso chithandizo chamtengo wapatali . April 13, 2017.
> Mapulogalamu apakati a zapakhomo, Njira Yopezera Ndalama 2016-24 .
> Mapulogalamu apakati a zapakhomo, Njira Yowonetsera Mapeto 2017-36 .