Indlela yokubala iRhafu yeNkxaso-mboleko yeNkxaso-mali

Indlela eyinxalenye ye-8 yokubala i-Obamacare yenkxaso-mali ye-inshorensi yempilo

© 2014 William Perez nge-About.com

Inkokhelo yentlawulo yerhafu ye-premium yinkxaso-mali efunyanwa ngabantu kunye neentsapho ezinomvuzo ongaphantsi kwesine kwi-federal line line. I-premium yerhafu yerhafu yenzelwe ukubuyisela abantu iindleko ze-inshorensi yezempilo ezithengwa ngabanye ngokutshintshiselana. Inani lemali-mboleko yerhafu ye-premium kuxhomekeke kwingeniso yomntu wonke ekhaya, ubungakanani bendlu, kunye neendleko ze-inshurensi yempilo kwindawo yakho.

Eli nqaku lihamba ngeemathematika ezibandakanyekayo ekubaleni ityala leerhafu.

I-credit premium yerhafu yerhafu iyancinci kwezi zimbini zilandelayo:

Ikhredithi yentlawulo ye-premium ingabalwa ngokusebenzisa indlela elandelayo:

  1. Bala umvuzo wekhaya.
  2. Bala umvuzo wekhaya njengepesenti yomgca wehlwempu.
  3. Bala ipesenti efanelekileyo.
  4. Bala igalelo elifunekayo.
  5. Fumana isicwangciso sesibini sexabiso elingaphantsi kwe-inshurensi yezempilo.
  6. Susa igalelo elifunekayo ukusuka kwindleko yesibini ephantsi kakhulu yecebo lesilivere.
  7. Emva koko uthelekise le nombolo kwiiprayimari zesicwangciso sezempilo apho umntu okanye usapho abhalise ngokwenene.
  1. Naluphi na inani elingaphantsi lixabiso lemali yerhafu ye-premium yerhafu ngonyaka.

Ulwazi olufunekayo ukulinganisa iNkcazo yeNkxaso-mboleko yeNkxaso-mali ye-Premium

Ulwazi olufunekayo ukubala Ixabiso langempela leNkxaso-mboleko yeNkxaso-mali yeNkcazo

Inkokhelo yentlawulo yerhafu ye-premium ingabalwa usebenzisa iFomu 8962 . Ngezantsi siza kuhamba ngezibalo ezibandakanyekayo.

Icandelo lokuqala: Ukubalwa kweNgeniso yeMakhaya

Ingeniso yomzi ingeniso kumntu wonke ekhaya. Le ndlela yendlela yokujonga ngayo.

Ngokukodwa, umvuzo wekhaya ngumvuzo ohlaziyiweyo oguqulwayo kubo bonke abantu abakhokhwa irhafu abanokubhenela ukukhululwa komntu kwaye unemfuneko yokufakela irhafu yentlawulo. (Oku kungaquka umhlawuli werhafu, iqabane lomhlawuli werhafu kunye nabani na abaxhomekeke kuyo.) Ingeniso epheleleyo eguqulwayo inikwe intsingiselo ethile. Kwimeko yerhafu yerhafu ye-premium, inzuzo engaguqukiyo engenayo iguqulwa ngumvuzo womntu ohlaziyiweyo kunye neenguqu ezilandelayo:

(Kwimeko apho umntu engenayo nayiphi na imali engenayo yangaphandle engenayo imali okanye inzuzo ehlawulwa yerhafu okanye inzuzo yeNtlalo, ke loo nto ingeniso yongeniso lomntu ifanelwe nemali engenayo epheleleyo.)

Ingeniso yomzi yinkcitho epheleleyo ehlengahlengisiweyo ingengomntu ofaka ingxelo yentlawulo yerhafu - kodwa nakwabanye abantu abayingxenye yentsapho yabahlawuli berhafu kwaye kufuneka bafake i-tax return. Ngenxalenye yentsapho yomhlawuli werhafu, sithetha ukuba umrhafi (umntu obhalwe phezulu kwinkokhelo yentela) uvumelekile ukucela ukukhululwa komntu lowo. Lo uza kuba ngumhlawuli werhafu ngokwakhe (ukuba ungumhlawuli werhafu ozimeleyo). Kuya kubandakanya umlingane womhlawuli werhafu (ukuba bafakela ngokubambisana), kunye nabani na abaxhomekeke kuyo. Yaye ke uqaphele kwakhona, ingeniso yomntu oguqulwayo etshintshileyo yongezwa kwingeniso yendlu kuphela ukuba loo mntu ufunwa ukuba afake irhafu yentlawulo.

Umxhomekeke, umzekelo, ngubani onomvuzo omncinci kodwa engenakwaneleyo ukuba afake ifayile yokubuyisela irhafu ayifanele ukuba afake imali ehlawulisiweyo yokulungiswa kwemali kwisilinganiso somvuzo wekhaya. Sifaka yonke imali ehlawulisiweyo yokulungiswa kwemali kumntu wonke osentsapho kwaye ngubani ofunekayo ukuba afake ibuyisela irhafu, kwaye le yinzuzo yekhaya.

Ingeniso yomzi iza kuguqulwa ibe yipesenteji yomgca-ntlupheko we-federal (kwicandelo lesi-2, ngezantsi). Eli phesenti yomgaqo-ntlupheko we-federal usetyenziselwa ukufumana ipesenti efanelekileyo, kwaye emva koko ubale igalelo elifunekayo. Ingeniso yekhaya engaphantsi ikhokelela kwi-credit premium yerhafu yerhafu.

Lephepha lephepha elilandelayo libonisa izibalo ezibandakanyekayo ekucingeni ingeniso yendlu yomnyaka.

Imali engenayo

Umntu 1

Umntu 2

Umntu 3

Ukongeza abantu njengoko kuyimfuneko

Ingeniso yekhaya yonke

Ingeniso epheleleyo yokulungiswa (Ifomu 1040, umgca 37)

Umdla okhutshwa yerhafu (umgca 8b)

Ingxenye engekho-ntlawulo yerhafu yeNtlalo (ulwahlulo phakathi komgca 20a no-20b)

Iingeniso ezingaphezulu kweengeniso zangaphandle (ukusuka kwiMigca 21 okanye 36)

Yongeza zonke ii-AGI eziguqulwayo:

AGI eguquliwe

Icandelo lesiBili: Ukubala Imali yeNgeniso njengePesenteji ye-Federal Poverty Line

Oku kubalwa kuhambelana nepesenti ezifanelekileyo (Icandelo lesithathu, ngezantsi). Kwimizekelo eyahlukileyo yamanqanaba entlupheko, iintsapho ziya kuba neempesenti ezahlukileyo.

Ukubala umvuzo wekhaya njengepesenti yomgca wobuhlwempu:

Ifom:

Imali yeNgeniso njengepesenteji ye-Federal Poverty Line = [Imali yeNkxaso yeMakhaya ÷ Isikhokelo soLohlwempu) × 100

Oku kuyahambelana neMida 1 ukuya kwe-5 yeFomu 8962. Ukufumana izikhokelo zenkqubela ngokukhawuleza, khangela i-website ye-HHS:

Kutheni ukuba izikhokelo zeNtsholongwane zonyaka owedlule zisebenzisiweyo xa kubalwa inani leNkokhelo yeThafu yeNyanga yeNyanga?

I-IRS isebenzisa izikhokelo zentlupheko ezisandul 'ipapashwe ngokutsha kwiSebe lezeMpilo kunye neNkonzo zoLuntu (HHS) esekelwe xa kubhaliswa ukubhaliswa okuvulekile (26 CFR 1.36B-1 (h)) xa kubalwa i-credit premium yerhafu yerhafu.

Ngokomzekelo, kunyaka wama-2014, ukubhaliswa okuvulekileyo kwaqala ngo-Oktobha 1, 2013, kwaye izikhokelo ezipapashwe ngokusesikhokelo esandul 'usandul Ngoko ke izikhokelo ze-2013 zisetyenzisiwe xa zibala i-premium uncedo lwekredithi ngonyaka werhafu ka-2014.

Icandelo lesithathu: Ukubala Ipesenti efunekayo

Kukho inqanaba elincinane le-7 lokubala ipesenti zomntu osebenzayo. Ipesenti echaphazelekayo isekelwe kwingeniso yasemakhaya njengepesenti yomgca wobuhlwempu. Le pesenti esebenzayo isetyenziselwa ukubala igalelo elifunekayo.

  1. Misela umvuzo wekhaya njengepesenti yomgca-ntlupheko. (Bona Ukubala Imali Yengeniso Kwemimiselo Kwimimiselo Yibini, ngasentla.)
  2. Ukuqala ngenzuzo yengeniso njengepesenti yomgca wobuhlwempu, ukususa ipesenti kwikholam A yomqolo ochaphazelekayo kwiitriki ezisebenzayo zonyaka.
  3. Susa ipesenti kwikholam B ukusuka kwipesenti kwikholam A yomgca ochaphazelekayo kwiitriki ezifanelekileyo.
  4. Hlukanisa imali kwisigaba sesi-2 ngemali kwisinyathelo 3.
  5. Susa ipesenti kwikholam D ukusuka kwipesenti kwikholam C yomgca ochaphazelekayo kwiitriki ezifanelekileyo.
  6. Yandisa inani elikwinqanaba lesi-4 ngemali kwisinyathelo sesi-5.
  7. Yongeza imveliso efunyenwe kwisinyathelo 6 ukuya kwipesenti ukusuka kwikholamu C yomgca ochaphazelekayo kwiitriki ezifanelekileyo. Impendulo yipesenti efanelekileyo yaloo mntu.

(Le ndlela ichazwe kwiCandelo leMimiselo ye-Nondyebo 1.36B-3 (g) (3).)

Amaphesenti asebenzayo ngonyaka ka- 2014

Imali yeNgeniso
(njengepesenti ye-Federal Poverty Line)

Ipesenti yokuqala efunekayo

Ipesenti yokugqibela efunekayo

Row

Nangona

Ngaphantsi ko

1

Ixhomekeke ku*

133%

2%

2%

2

133%

150%

3%

4%

3

150%

200%

4%

6.30%

4

200%

250%

6.30%

8.05%

5

250%

300%

8.05%

9.50%

6

300%

400%

9.50%

9.50%

Ikholamu

A

B

C

D

* Abantu abaneengeniso zemizi engaphantsi kwe-100% yeFPL bangakwazi ukufumana iMedicaid. Umthombo: I-Internal Revenue Code icandelo 36B, i-Legal Information Institute e-Cornell University School School

Amaphesenti asebenzayo ngonyaka ka- 2015

Imali yeNgeniso
(njengepesenti ye-Federal Poverty Line)

Ipesenti yokuqala efunekayo

Ipesenti yokugqibela efunekayo

Row

Nangona

Ngaphantsi ko

1

Ixhomekeke ku*

133%

2.01%

2.01%

2

133%

150%

3.02%

4.02%

3

150%

200%

4.02%

6.34%

4

200%

250%

6.34%

8.10%

5

250%

300%

8.10%

9.56%

6

300%

400%

9.56%

9.56%

Ikholamu

A

B

C

D

* Abantu abaneengeniso zemizi engaphantsi kwe-100% yeFPL bangakwazi ukufumana iMedicaid. Umthombo: Inkqubo yeNgeniso 2014-37 (pdf), IRS.gov.

Amaphesenti asebenzayo isilinganisi esikhohlelayo esahlukileyo kunye nezinga lemali engenayo. Iipesenti ezifunekayo ziphantsi kwizinga elingaphantsi lomvuzo. Ngo-2014, iipesenti ezichaphazelekayo zivela kwi-2% ephantsi kubantu abanemali engenayo engaphantsi kwe-133% yomgca-ntlupheko we-federal line (umgca woku-1) ukuya kuma-9,5% ephakamileyo kubantu abanemali yekhaya ukusuka ku-300% ukuya ngaphantsi kwama-400% umgca we-poverty line (umgca 6). Ngaphezulu kwoluhlu lwengeniso, asiyikulinganisela umvuzo wekhaya okanye iipesenti ezichaphazelekayo kuba abantu abafumana amaxesha angaphezu kwesine ubuhlwempu abafanelekanga kwi-credit premium yerhafu yerhafu.

Ipesenti efanelekileyo ihambelana negalelo elifunekayo. Abantu abaneempesenti eziphantsi ezenza i-credit premium yerhafu yerhafu, kwaye ngokuphambeneyo, abantu abaneempesenti eziphezulu ezifanele ukuhlawulwa ngetyala lezantsi.

Ipesenti esebenzayo ingatshintshwa unyaka unyaka. I-IRS iphinda ihlaziye iipesenti ezisebenzayo ngokusekelwe kwenyuka kwiindleko zomshuwalense wezempilo. I-IRS sele ikhulile ngonyaka we-2015 iipesenti ezifanelekileyo.

Imiqolo kunye neentsika zibhalwe ngamanani kunye neleta ukwenzela kube lula ukuchaza indlela yokwenza izibalo.

Umzekelo we-Applyable Percentage Calculation

UBernard unemali engenayo ye-$ 24,129 ngo-2014, okuyi-210% yomgaqo-ntlupheko wesigxina weBernard. UBernard uhlala eNew Hampshire, kwaye ngoko sisebenzisa izikhokelo zobuhlwempu kwiindawo ezingama-48 ezixhomekeke kwiinkalo zentsapho enye. Ingeniso yendlu kaBernard njengepesenti yomgca we-poverty-line we-210%, sisebenzisa umqolo wesine wetshathi, ephakathi kwe-200% ukuya kwi-250% yomgca wentlupheko. Lo mbhinqo unempesheni yokuqala ye-6.3% kunye nepesenti yokugqibela ye-8.05%. Ekubeni ingeniso yekhaya kaBernard iwela kuloluhlu, siya kufuneka sibale ipesenti ezisebenzayo eziwela ngo-6.3% kunye no-8.05%. Senza oku ngale ndlela:

Umzekelo we-Applyable Percentage Calculation

Imali engenayo

AGI

+ inzala ehlawulwa irhafu

+ Ukhuseleko lwezeNtlalo olungabikho

+ ukungeniswa kwemali kwamanye amazwe

= i-AGI eguquliwe

24,129

+ I-AGI eguqulwe kwabanye abantu kwintsapho

-0-

Ingeniso yekhaya yonke

24,129

Umgaqo wobuhlwempu waseFransi

Khangela phezulu kwiteksi yentlupheko

11,490

Uhlula

Imali engenayo / umgca wehlwempu

2.10

Inyathelo 1

Ukuyijika ibe yipesenti

210%

Fumana umgca ochaphazelekayo apho le pesenti iyawa

Khangela phezulu kwipesenti zerhafu

Row # 4

Yiyiphi ipesenti yokuqala kwikholamu A yomqolo ochaphazelekayo

200%

Yiyiphi ipesenti yokugqibela ukusuka kwikholamu B yomgca ochaphazelekayo?

250%

Isinyathelo 2

Ukuqala ngomvuzo wekhaya njengepesenti yomgca wobuhlwempu, ukususa ipesenti kwikholam A yomqolo ochaphazelekayo

210 - 200 = 10

Isinyathelo 3

Susa ipesenti kwikholam B ukusuka kwipesenti kwikholam A yomgca ochaphazelekayo

250 - 200 = 50

Isinyathelo 4

Hlukanisa imali kwisigaba sesi-2 ngemali kwisinyathelo 3.

10 ÷ 50 = 0.20

Isinyathelo 5

Ukukhupha ipesenti yokugqibela kwikholam yeD ukusuka kwipesenti yokuqala kwinqaku C lomgca ochaphazelekayo

8.05 - 6.30 = 1.75

Isinyathelo 6

Yandisa inani elikwinqanaba lesi-4 ngemali kwisinyathelo sesi-5

0.20 × 1.75 = 0.35

Isinyathelo 7

Yongeza imveliso efunyenwe kwisinyathelo 6 ukuya kwipesenti yokuqala yekholam C yomgca ochaphazelekayo

0.35 + 6.30 = 6.65

UBernard unepesenti efanelekileyo ye-6.65%. Sisebenzisa le nto ukubala igalelo elifunekayo likaBernard. Igalelo elifunekayo, kwakhona, liya kusetyenziswa ukubala i-credit premium yerhafu yerhafu.

Inyathelo 1. Hlaziya umvuzo wekhaya njengepesenti yomgca wehlwempu. 210%.

Iinkcukacha zesinyathelo soku-1: Ingeniso yomzi isisombululo samanani ahlawulweyo engeniso (MAGI) alungisiweyo kumntu ngamnye uBernard uvumelekile ukuba afake isicelo sokuxolelwa kwakhe. UBernard unelungelo lokumangalela ukukhululwa komntu omnye (yena ngokwakhe). Ngoko ke, usapho lwakhe bukhulu. I-MAGI yenkxaso-mboleko ye-premium iyalungiswa imali engenayo kunye nokungeniswa kwemali engenayo, ukungeniswa kwentlawulo, kunye nenxalenye yokuhlawulwa kwentela yeeNtlalo zeNtlalo. Emva kokukwenza le mathati, i-MAGI ye-Bernard i-$ 24,129. Sizahlula le mali ngemali engama-100% yenkxaso-ntlupheko yomgaqo-ntlalontle kwintsapho enye. UBernard uhlala eNew Hampshire, elinye lamazwe angama-48 anesithintelo, enomqolo wentlala ka-11,490 kwintsapho enye. Ngoko sihlula i-24,129 nge-11,490, eyi-2.10. Emva koko siphendukela kwipesenti, eyi-210%.

Inyathelo 2. Misela ukufumana imali engaphezulu kwemali yengeniso njengepesenti yomgca-ntlupheko wentlupheko kwi-percentage yepesenti yomhlala-phantsi kwikhaya elifanelekileyo. Ipesenti yokuqala yengeniso yomzi kwi-tier echaphazelekayo yi-200. 210 -200 yi-10.

Iinkcukacha zesinyathelo 2. Ingeniso yekhaya kaBernard njengepesenti yomgca-ntlupheko we-federal u-210%. Ukujonga kwitshati yamaPhesenti asebenzayo ngo-2014, sibona ukuba i-210% iwela phakathi kwe-200% ukuya kuma-250% (kumqolo wesine). Sithatha ipesenti zokuqala (200, ikholomu A yomqolo wesine) ukususela kwi-210 (umvuzo wekhaya kaBernard njengepesenti yomgca-ntlupheko). Isiphumo sishumi.

Inyathelo 3. Misela ukumahluko phakathi kwepesenti yokuqala yomvuzo wekhaya kunye nokuphela kwepesenti yomvuzo kwikhaya. Umgca ochaphazelekayo weeBernard ukusuka kwi-200% ukuya ku-250%. 250 - 200 ngu-50.

Isinyathelo 4. Hlukanisa inani kwisigaba 2 ngenani kwisigaba 3. 10 ÷ 50 = 0.20.

Inyathelo 5. Qhathanisa umahluko phakathi kweprayimenti yokuqala kunye ne-premium% kwi-tier efanelekileyo. Umyinge ochaphazelekayo unepesenti yokuqala ye-premium ye-6.3% kunye ne-premium yokugqibela ngu-8.05%. 8.05 - 6.3 yi-1.75.

Isinyathelo 6. Yandisa inani elikwinqanaba lesi-4 ngemali kwisigaba 5. 0.20 × 1.75 = 0.35.

Isinyathelo 7. Yongeza imveliso efunyenwe kwisinyathelo 6 ukuya kwipesenti yokuqala yeprayimenti kwi-tier efanelekileyo. 0.35 + 6.3% = 6.65%.

Ipesenti esebenzayo yeBernard ngu-6.65%. Sisebenzisa le pesenti efanelekileyo xa sibalwa i-creditar yerhafu ye-premium yerhafu. (Umzekelo washintshwa ukusuka kwi-26 CFR 1.36B-3 (g) (3), umzekelo 2.)

Ngokuyinene, iiproyamu ze-inshorensi zempilo zibhekwa njengexabiso elifanelekileyo xa zingaphantsi kwepesenti ethile yengeniso yomzi. Ukuba i-inshurensi yempilo ixabisa ngaphezulu kwesi sixa, umntu unokufumana ilungelo lokuthenga ngetyala yerhafu.

Nantsi iphepha lokusebenzela elingenanto ongayisebenzisa ukubala ipesenti efanelekileyo.

Ipesenti yePhepha yokuSebenza

Imali engenayo

Umgaqo wobuhlwempu waseFransi

Khangela phezulu kwiteksi yentlupheko

Uhlula

Imali engenayo / umgca wehlwempu

Inyathelo 1

Ukuyijika ibe yipesenti

Fumana umgca ochaphazelekayo apho le pesenti iyawa

Khangela phezulu kwipesenti zerhafu

Row #

Yiyiphi iipesenti zokuqala ukusuka kwikholam ye-A yomgca ochaphazelekayo

Yiyiphi ipesenti eziphelileyo ukusuka kwikholamu B yomgca ochaphazelekayo?

Isinyathelo 2

Ukuqala ngomvuzo wekhaya njengepesenti yomgca wobuhlwempu (Isinyathelo 1), shenxisa ipesenti kwikholam A yomgca ochaphazelekayo

Isinyathelo 3

Susa ipesenti kwikholam B ukusuka kwipesenti kwikholam A yomgca ochaphazelekayo

Isinyathelo 4

Hlukanisa imali kwisigaba sesi-2 ngemali kwisinyathelo 3.

Isinyathelo 5

Susa ipesenti kwikholam D ukusuka kwipesenti kwikholam C yomgca ochaphazelekayo

Isinyathelo 6

Yandisa inani elikwinqanaba lesi-4 ngemali kwisinyathelo sesi-5

Isinyathelo 7

Yongeza imveliso efunyenwe kwisinyathelo 6 ukuya kwipesenti ukusuka kwikholamu C yomgca ochaphazelekayo

Icandelo lesine: Ukubala Igalelo elifunekayo

Yandisa ipesenti efanelekileyo yomvuzo wekhaya. Oko kukuthi, inxaxheba efunekayo = inzuzo yomzi × ipesenti efanelekileyo.

Isiphumo sixa inani elithile kulindeleke ukuba lihlawule i-inshurensi yempilo ngaphandle kokuncediswa nguRhulumente.

Umzekelo: UBernard unemali engenayo ye-$ 24,129, kunye nepesenti yayo e-6.65%. Igalelo elifunwa yiBernard liyi-24,129 × 0.0665 = i-1,604.5785 = i-1,605 yezigidi (ijikelezwe). Ukuba uBernard uthenga i-inshurensi yezempilo ngokutshintshisana kwaye indleko yomshuwalense wezempilo ingaphezu kwe-1,605 yee-$, unokufumana ilungelo lokuthenga ngetyala yerhafu.

Le mali ihambelana neMida 8a no-8b yeFomu 8962.

Icandelo lesihlanu: Fumana iSicwangciso seSilivere seNqanaba eliPhantsi kweNkcitho kwi-Health Insurance Exchange

Isicwangciso sesibini sexabiso elingaphantsi kwexabiso lesilivere lihambelana nokubala kwe-credit premium yerhafu yerhafu. Enye inxalenye yokubala kwerhafu yerhafu kukukhupha ipesenti efunekayo ukusuka kwiplani yesibini yexabiso lexabiso eliphantsi. Ukwahlukana ngetyala le-premium yerhafu yerhafu.

Xa uthengisa i-inshurensi yempilo ngokutshintshiselana, imigaqo-nkqubo ye-inshorensi yempilo ihlelwe kwii-alers zebhedu, isilivere, igolide, kunye neeplatinum-level plans. Umtya ngamnye umele malunga nokuba ininzi i-inshurensi iya kufikelela kwiindleko zonyango. Amanqanaba aphakamileyo aphezulu (njengegolide kunye neplatinum) anikezela ngokubanzi inkcitho yeendleko zonyango efaniswa nezicwangciso ezincinci (njengethusi kunye nesiliva).

Isondlo sesibini esona siphantsi sexabiso lesilivere, njengoko igama lichaza, isicwangciso sesilivere ngexabiso lesibini elincinci kwaye lifumaneka kwindawo ekuhlala kuyo iintsapho eziza kubambisa umhlawuli werhafu okanye intsapho yomhlawuli werhafu. Xa uthengisa i-inshurensi yempilo ngokutshintshiselana, oku kufunyaniswa ngokuhlenga izicwangciso zesilivere ngamanani kunye nokufumana isicwangciso sesilivere ngexabiso lesibini eliphantsi. Xa ulungiselela iFomu 8962, iindleko zesicwangciso sesilivere esiphantsi kwesibini sichazwe kwiFomu 1095-Umgca 33B.

Isicwangciso sesibini sexabiso elingaphantsi kwexabiso lesilivere (esicacisiwe kwi-SLCSP kwifomu 8962) senza njengendlela yokubeka uphawu. Inani lemali-mboleko yerhafu ye-premium isekelwe ebuhlotsheni phakathi kwegalelo elifunekayo kunye ne-SLCSP.

Akunakufuneka ukhethe iSLCSP ukwenzela ukuba ufanele ukufumana ityala leerhafu. Ungabhalisa kwiiplani ezikhoyo kwi-inshurensi yezempilo. Kodwa inani lemboleko yerhafu lisekelwe kwiindleko ze-SLCSP. "Ukuba umntu ukhetha umgaqo-nkqubo ngaphandle kwesibini isicwangciso sesilivere esiphantsi kweendleko, umntu uhlawula umahluko phakathi kwepokhethi. Nangona umntu ekhetha isibini iplani yesilivere yexabiso, inkokhelo ayikwazi ukufaka iindleko zonke ngenxa yezinye iinguqu kubala i-credit, njengengeniso yomzi. Ngenkcazo i-credit ayikwazi ukudlulisa i-premium ehlawulwa ngumntu, "ibhala uMarko Luscombe, uMlawuli oyiNtloko weRhafu we-Tax for Wolters Kluwer, eCCH.

ISahlulo sesithandathu: Ukukhupha iNgalelo efunekayo kwiSicwangciso seSilivere seSibini esiphantsi kweNdleko

Imathematika: iipresimari zonyaka zeplani yexabiso lesibini ephantsi kwecebo lesilivere lithatha inxaxheba efunekayo.

Isiphumo nguMncedisi woNyaka oPhakamileyo ophezulu (kwaye uhambelana neMida ye-11D kunye nekholomu D ngemizila 12 ukuya kwe-23 yeFomu 8962).

Le nombolo ngumviwa onokuthi umlinganiselo we-credit premium yerhafu yerhafu.

Isiqendu sesisixhenxe: Thelekisa iNkxaso yeNkulumbuso yoPhuhliso lweNkulumbuso yoNyaka oPhambili kwiiNkulumbuso eziPhambili zeSicwangciso seMpilo apho uMntu okanye iNtsapho eBhalisile

Thelekisa la manani amabini alandelayo:

Icandelo lesibhozo: Naluphi na inani elisezantsi liNani leNkxaso-mboleko yeNkxaso-mboleko yeNyanga yoNyaka

I-credit premium yerhafu yerhafu yincinci yenkxaso ye-premium yonyaka okanye iindleko zonyaka ze-inshurensi yezempilo apho umntu obabhalisile khona. Uxhasomali oluphezulu lwama-premium wonyaka luyinto eyahlukileyo phakathi kwesicwangciso sesilivere esiphantsi kweendleko kunye negalelo elifunekayo. Igalelo elifunekayo umvuzo wemizi ukwandiswa yipesenti efanelekileyo. Ipesenti echaphazelekayo isilinganisi esilahlayo esekelwe kwingeniso yasemakhaya njengepesenti yomgca wentlupheko.

Umzekelo ukubeka konke ndawonye

UBernard uyindoda engatshatanga. Uhlala eNew Hampshire, kwaye umvuzo wakhe wendlu ngu-$ 24,129 ngo-2014. Siye safumanisa ukuba ingeniso ka-Bernard ingama-210% omgaqo-ntlupheko wesigcino kumazwe angama-48 axhasayo, ukuba ipesenti yayo esebenzayo ngu-6.65%.

Sasibale ukuba igalelo elifunekayo likaBernard li-$ 1,605 (yimivuzo yakhe yendlu yakhe yepesenti). Ukuya kwi-Healthcare.gov, nokukhangela izicwangciso kwi-Merrimack County, eNew Hampshire, sibona ukuba isicwangciso sesiqingatha sesilivere esiphantsi se-$ 277 ngenyanga. Kwizempilocare.gov, oku kuboniswa apho ifundwa "I-Premium phambi kwentlawulo yeerhafu $ 277 / mo."

Emva kokufumanisa isicwangciso sesibini sexabiso eliphantsi kakhulu, siyakwazi ngokubala uncedo lwe-premium yonyaka we-Bernard, eyona yesibini iplani yesilivere ephantsi kakhulu.

Isicwangciso sesibini sexabiso lesibini esiphantsi (SLCSP): 277 ngenyanga

Igalelo elifunekayo (RC) ngenyanga: 1605 ngonyaka / 12 = $ 133.75 ngenyanga = $ 134 (ijikelezwe kwidola elifutshane elisondeleyo)

SLCSP - RC = 277 - 134 = 143

UBernard, ngokoqobo, unelungelo lokufumana uncedo lwe-premium kwi-143 yezigidi ngenyanga. Emva kokuba uBernard ekugqibeleni anqume kwisicwangciso esiya kubhalisa kuso, sinokuthelekisa iindleko zesicwangciso ekubaleni ukulinganisa ukuze sibone okuphantsi.

Masithi uBernard ukhetha icebo lezempilo elibiza i-$ 232 ngenyanga. Inkokhelo yerhafu yerhafu ye-premium ingabalwa. UBernard ufumana ubuncinci beeprayimari zakhe zangaphambili ngenyanga (232) okanye umahluko phakathi kwesibini kwindleko yesilivere esezantsi kuncinci igalelo lakhe (143). Ixabiso eliphantsi kwezi zimbini ziyi-143. Leyo yenyanga yenyanga yentlawulo yerhafu ye-premium uBernard ifanelekile. (Oku akunako ukuhambelana ngokuthe ngqo kwizinto ezibonisa ukunakekelwa kwezempilo.gov ngenxa yemeko eyahlukileyo.)

UBernard uya kuhlawula i-$ 89 ngenyanga kwipokethi yecebo lakhe elikhethiweyo (232 - 143, umahluko phakathi kweendleko ezipheleleyo zesicwangciso sempilo kunye ne-premium yerhafu yerhafu yerhafu). Ukuba uBernard ubhalisile kule cwangciso kunyaka wonke, uya kubhatala i-$ 1,068 yee-premium ze-inshorensi yezempilo (89 × 12), engaphantsi kwenkxaso yakhe efunekayo ye-$ 1,605. UBernard uhlawula ngaphantsi kwegalelo lakhe elifunekayo ngenxa yokuba ukhethe isicwangciso se-inshurensi yempilo esabibiza ngaphantsi kweyona ndlela yesibini ephantsi kwexabiso lesilivere.

Ngokwahlukileyo, ukuba uBernard ukhethe icebo lezempilo elibiza ngaphezu kwe-SLCSP, uBernard uza kuhlawula ngaphezu kwegalelo lakhe elifunekayo.

Singafingqa imeko kaBernard njengale:

Inkokhelo yeRhafu yeNkxaso yeNyanga

Ngenyanga

Yonyaka

1

Imali engenayo (imali)

$ 24,129

2

Ipesenti efunekayo

6.65%

3

Igalelo elifunekayo

(Imali yeNyanga × Ipesenti efunekayo)

$ 133.75

$ 1,605

4

Okwesibini iindleko zexabiso zesilivere eziphantsi kakhulu

$ 277.00

$ 3,324

5

I-premium yexabiso eliPhantsi kweCandelo leeSyunithi zeSiliyam - Igalelo elifunekayo

$ 143.25

$ 1,719

6

IiNyanga zeSicwangciso sezempilo ozibhalisele kuyo

$ 232.00

$ 2,784

7

Incinci yale manani amabini yintengo yerhafu yerhafu yeprayim

(Umncinci wemali kumigca 5 okanye 6)

$ 143.25

$ 1,719

8

Ixabiso lentengo ye-inshurensi yezempilo

(Iimali zeeNyanga zingaphantsi kwekhredithi yerhafu, leyo nguNgcaciso 6 ongaphantsi kweNombolo 7)

$ 89

$ 1,065

Ekugqibeleni, uBernard uya kufuna ukugqiba isigqibo sokuba ngaba ufumana i-credit premium yerhafu yengeniso ngaphambili. Ukuba kunjalo, i-IRS iya kuthumela imali ye-premium yenkxaso-mali ye-premium kwinkampani yakhe yomshuwalense, kwaye uBernard uya kuhlawula u-$ 89 ephaketheni lakhe. Ngenjalo, uBernard angakhetha ukuthabatha iitaliti yakhe ekupheleni konyaka xa efaka ifayile yakhe yokubuya. Kule meko, uBernard uza kuhlawula i-$ 232 nganye inyanga nganye kwi-inshurensi yezempilo. Emva koko, xa efaka ifayile yokubuyela kwerhafu, uya kuthi ityala le-premium yerhafu yeenyanga ezili-143 kwinyanga nganye yahlanganiswa isicwangciso. Le ngetyala iya kunciphisa inani leerhafu ahlawulwayo. Okanye, ukuba sele sele ebuyisela imali, ityala le-premium yerhafu liya kwandisa inani lembuyiselo. Ngoko uBernard unquma phakathi kokufumana i-credit manje ngendlela yokunciphisa intlawulo ye-premium ngenyanga okanye ukufumana ityala emva koko.

Qaphela ukuba inani lemali-mboleko yerhafu ye-premium isekelwe kwingeniso yangempela yonyaka. Imali yerhafu yerhafu uBernard ifanelekile ukunyuka okanye yehla phantsi ngokutshintshwa kwengeniso kaBernard, ubungakanani bentsapho, nalapho ehlala khona. UBernard unokubonelela ngolwazi oluhlaziyiweyo malunga nenzuzo yakhe okanye usapho lwakhe ukutshintshiselwa kwe-inshorensi kulo nyaka. Ngale ndlela utshintsho luya kuphinda lubale inani lemali-mboleko yerhafu ye-premium apho uBernard ufanelekile. Oku kunokuthintela imeko apho uBernard efumana inkokhelo encinci okanye ukuhlawula kwangaphambili kwekhredithi. Ukuba uBernard ufumana imali encinci yokuhlawulwa kwangaphambili, intsalela iya kubuyiselwa kuye xa ifayile yokubuyisela irhafu. Ukuba uBernard ufumana uncedo olongezelelweyo lweprayimenti kwangaphambili, uya kufuneka ahlawule ezinye okanye zonke iintlawulo ezingaphaya kwexesha elizayo kwi-IRS.

Ukubeka le Nkcazelo Kusebenza Kuwe

Ukuqikelela ukuhlawulwa kwentlawulo yerhafu ye-premium ngo-2014:

Ukubala inani langempela lekhredithi yerhafu ye-premium ngo-2014:

Ukuqikelela ukuhlawulwa kwentlawulo yerhafu ye-premium ngo-2015:

Izinto zokubhekisela kunye nezibonelelo:

Ukuze ufunde kabanzi malunga nekhredithi yerhafu ye-premium, yibone:

U kufunda ngakumbi

Uncedo olongezelelweyo lwezeMpilo eziHlangeneyo

Related Content

Isikhokelo esicacileyo sokubeka iziTyala zeRhafu ze-IRS

Imirhumo

Ingaba Iindleko ZoPhepha Lweziliso ZaseLayira Zingasuswa Kwiirhafu Zakho?

Imirhumo

2014 - Iingxaki ngeFom 1095-A

Imirhumo

Indlela yokuseka iPlani yeNtlawulo ye-IRS

Imirhumo

Umgaqo-nkqubo weMfihlo woLuntu lwaBathengi beRhafu

Imirhumo

Izinketho zokuhlawula xa u-Owe i-IRS

Imirhumo

Iingcebiso zokulungiswa kweRhafu yakho yokuPhumela ukuPhepha ukuFumana incwadi evela kwi-IRS

Imirhumo

Ukunikezela Nge-Compromise: Ukulungiselela ifom ye-IRS 433-A

Imirhumo

Fresh articles

Fumana iNgxowa-mali eninzi kakhulu

Imboleko kunye namatyala

Uya Kuphila Kangakanani?

Izigqibo zomhlalaphantsi

Ukukhetha ifomu leRhafu elifanelekileyo: Iingcebiso zabafundi beekholeji nabazali babo

Imirhumo

Ngaba Ngaba Unayo Amasheya angaphandle?

Investment International

Intresting articles

Umehluko phakathi kwexabiso le-Stock Value and Price

Amasheya

Ukwahlukana Phakathi koTyalo-mali kunye neNgcaciso

Utyalo lwabaqalayo

IBhanki yeMandla eMelika iMbuyekezo yemivuzo yeVisa Card

Ukuhlolwa kweKhadi leKhadi

Izinto Omele Uzazi Ngokuboleka Kwakho 401 (k)

UkuCwangciswa koMhlalaphantsi

Izinto eziza kukunceda zibonise i-Domicile yakho

Ucwangciso lwezindlu

Ngaba Umsebenzi WabaKhuseli beKhadi leMatyala?

Ukwabiwa kweNkcukacha

Amatyala aMatyala kunye noTyala oluMbi

Imboleko kunye namatyala

Umthengisi uthengisa njani emva kokuvala?

Ukuthenga ekhaya

Ukuqeshisa kwi-Owner kunye ne-Seller Financing

Banking kunye neMali

Iveki yeeNkcazo zokuThengiswa kweeNkcazo

Ukuthengiswa kwangaphambili

Yintoni eyabangela iCrisis Financial Crisis 2008?

IMakethi