Ngaba Uya Kufuneka Uhlawule Imirhumo Yentlawulo Kulo nyaka?
Isohlwayo sokungabi ne-inshurensi
Kuze kube ngo-2019, uya kuhlawula irhafu eyongezelelweyo ukuba unayo i- inshorensi yezempilo ubuncinane kwiinyanga ezilisithoba emva konyaka.
Ukuqala ngo-2016, irhafu yaphakanyiselwa kuma-2.5 ekhulwini kwerhafu yakho epheleleyo . Ngonyaka we-2019, isicwangciso serhafu sokuThumela sichitha irhafu.
Irhafu ifakwe kwizinga eliphezulu. Ngeze kube ngaphezu kweendleko zesizwe eziqhelekileyo zokuthenga isicwangciso se-inshurensi yezempilo yeBronze kwi- exchange . I-Ofisi yeBhajethi ye-Congressional iqikelele ukuba le mali ibe ngama-4,500 ngonyaka ngonyaka kunye nabantu abayi-12,000 kwiintsapho.
Irhafu ayisoze ibe ngaphantsi kwerhafu encinci yerhafu. Yiyo imali engama-695 kumntu omdala kunye ne-$ 347.50 ngomntwana ngamnye, ekhishwe kwi $ 2,085 nganye. Emva ko-2016, lo buncinci uphuma ngeNkcazelo yeNtengo yabathengi .
Ngo-2015, ii-6.7 yezigidi zerhafu zifake ihlawulo. Uqikelelo olusenyakalisiweyo lubonisa ukuba inani liye lancipha ngo-2016. Abo bafumana phakathi kwama-25,000 kunye ne-$ 50,000 banakho ukuhlawula isohlwayo. Uninzi loluntu awanakho ukuthenga iinshurensi. Abo bafumana imali encinci bangasebenzisa iMicicaid.
Izibonelelo zerhafu zinciphile
Ukuba uthetha, unokukrazula kuphela iindleko zonyango ezingabhekwanga yinshurensi yakho yempilo kwaye idlula iipesenti ezili-10 zomvuzo wakho.
Ngaphambi kokuba i-ACA, unokukrazula iindleko ezidlulileyo kwi-7.5 yepesenti yengeniso yakho. Ngo-2017 no-2018, isicwangciso serhafu sikaTrump sibuyisela le ncitshiswa kwizinga le-ACA ngaphambili.
Ukuba usebenzisa iAkhawunti yokuThengiswa kweMpilo okanye i-akhawunti efanayo, ungasindisa kuphela i-$ 2,500 ngaphambi kwentela. I-ACA ikhuphe izidakamizwa ezingaphezulu kwee-counter njengemali efanelekileyo yokuchithwa kwemali yeendleko zonyango.
Ukuba awusebenzisi iifom zeFSA zeendleko zonyango, isohlwayo serhafu sanda kuma-20 ekhulwini. Imiba ye-IRS ikhupha izikhokelo ezicacileyo kwi-HSA kunye ne- Akhawunti ze-Savings Health .
Ingeniso yerhafu ephakanyisiwe
Ngaba wenza imali engaphezu kwama-200,000 ngonyaka? Ngaba ufakela ngokubambisana njengoko isibini esitshatileyo sithola ubuncinane i-$ 250,000 ngonyaka. Ingaba utshatile kodwa ubeka ngaphandle kwaye ufumana okungenani i-$ 125,000 ngonyaka? Ukuba uphendule iwe ewe nawaphi na oku, uza kuhlawula irhafu yengeniso eyongezelelweyo. Ingeyongezelelweyo ye-0.9 yepesenti yebhedlele ye-Medicare kwingeniso yakho kunye neengeniso zengqesho yokuzimela ngaphandle kweembalo ezikhankanywe. Uhlawuliswe kwakhona i-3.8 ekhulwini kwiholo-mali. Ezi zibandakanya izahlulelo kunye neenzuzo ezinkulu eziphezulu ngaphezu komda.
Ukuba ingeniso yakho ingaphezu komda, unokuhlawula irhafu ye-Obamacare xa uthengisa ikhaya lakho. Iirhafu zisebenza xa wenza ngaphezulu kwama-250,000 amawaka njengomntu ongatshatanga okanye i-$ 500,000 njengesibini esitshatileyo kwimali eyinzuzo. Oko kuthetha ukuba kufuneka ususe umyinge we-threshold wexabiso emva kokunciphisa intengo yokuthenga yokuqala kunye nolunye utyalo-mali owenzile. Ukuba uthengisa ipropati yentengiso, awufumani oku kubandakanywa. Ieramacare irhafu iyayifana nayo nayiphi na enye inzuzo.
Intlawulo yezoshishino
ICaladilla Tax. Iinkampani ezinika iiplani ze-inshorensi zempilo ebiza ixabiso eliphezulu, ebizwa ngokuba yiCaldilc plan, iya kuhlawulwa i-40% yeerhafu yentlawulo.
Ezi zicwangciso zinemali yeprayimari okungenani i-$ 10,200 kubantu ngabanye okanye i-$ 27,500 kwiintsapho. Ziyimfuneko ngabo basebenzi bungozi. Kulibazisekile kude kube ngu-2020. AmaLobbyists asebenza ukuphelisa irhafu ngo-2018 kuba yiyo apho amabhizinisi aza kuqala ukucwangcisa u-2020.
IiNkonzo zoKhenyuza ngaphakathi. Ezi zihlawuliswa irhafu yerhafu ye-10 ekhulwini yeendleko zokucoca.
Abakhi beDivayli yezoLo. Ezi nkampani zihlawula iipesenti ze-2.3 zerhafu kwiirhweba ezithengiswayo. Le rhafu yaxinwa kwaze kwaba ngo-2018. Umbutho wezorhwebo wezonyango, u-AdvaMed, unyanzela ukuphelisa irhafu.
Abenzi bemichiza kunye nabangenisayo. Ezi shishini zihlawulwa intlawulo yonyaka.
I Nkampani. Ngo-2014, inkokhelo yokuhlawula irhafu eqikelelwa kwenyuka ngama-15,75 ekhulwini kwiinkampani ezinempahla ye-bhiliyoni eyi-1 billion.
Iinkampani zeeNtshumo zeMpilo
Banokukhipha imali eyi-$ 500,000 kuphela nayiphi na imbuyekezo yomqeshwa omnye.
Iinkonzo zeRhafu kunye nokuKhuselwa
Ukuba ingeniso yakho ingamaphesenti angama-400 okanye ngaphantsi kwinqanaba lehlwempu , ufanelekile ukufumana ityala leetyala. Oku kuhluka ngobuso.
Ukuba ingeniso yakho ingama-225 ekhulwini kwinqanaba lehlwempu, unakho ukukwazi ukugcina kwiindleko zakho. Naliphina inkampani yomshuwalense e thengisa ngotshintshiselwano kufuneka unciphise iindleko zakho kwizinga elifikelelekayo. Oku kuhluka ngobuso.
Ukuba ingeniso yakho ingama-138 ekhulwini okanye ngaphantsi kwintlupheko, awuyi kuhlawula irhafu. Kwiinkoliso ezininzi, uya kulungeleka kwiMedicaid.
Kwakhona akunakuze uhlawule irhafu ukuba:
- Ingeniso yakho iphantsi kangangokuthi i-coverage ayinakulungiswa.
- Awufuneki ukuba ufake ifayile yentlawulo.
- Unelungu lesizwe samaNdiya.
- Uthatha inxaxheba kwinkonzo yokwabelana ngononophelo lwezempilo okanye ilungu lenkolo efuna inshuwalense yezempilo.
- Ufaka isicelo sokukhutshwa kobunzima.
Amashishini
Abaqeshwa abangaphantsi kwama-25. Unako ukufumana i-yerhafu yengxowa-yerhafu ye-50 ye-inshorensi yezempilo. Uvumelekile ukuba umvuzo omvuzo wabasebenzi bakho ungaphantsi kwama-$ 50,000 kwaye uhlawula ubuncinci beeprayimari. Oku akusebenzi kwiindleko ze-inshorensi yezempilo yabanini.
Abasebenzi abangaphantsi kwama-50. Unokusebenzisa i- inshurensi yempilo yentsholongwane ukukunceda ufumane izicwangciso ezincinci.
Abaqeshwa abangama-50 okanye ngaphezulu. Ukususela ngo-2015, kufuneka uhlawule irhafu yerhafu ye-$ 2,000 ngomsebenzi ngamnye ukuba awuboneleli ngomshuwalense wezempilo. Okungafaniyo kusebenza kubasebenzi bokuqala abangama-30.
Onke amashishini - Unokufumana uncedo lwezemali xa unika i-inshurensi yempilo kubafundi abasuka kuminyaka-55 ukuya kuma-64 ubudala. Unokufumana inkokhelo yentela kwi-28 yeepesenti zeendleko zeziyobisi ukuba unika ingxelo yokubhaliweyo yabasebenzi abahlala phantsi.
Izibonelelo
Abaqeshi abahlawulwa ngerhafu banokufumana iitalenti zerhafu yeepesenti ezingama-35 njengembuyiselo phantsi kweemeko ezifanayo njengamashishini amancinci angentla.
Ekujuleni : Ziza kundinceda Kangakanani? | Iinkonzo kunye neNgcaciso | Indlela Esebenza ngayo | I-Obamacare Isishwankathelo | Ngaba Ingongeza kwiMatyala? | Undichaphazela njani?
Ukuba ufuna ukugcina imali kwi-Obamacare yentlawulo, funda incwadi yam ethi "Ultimate Obamacare Handbook".