Ukuxolelwa kwe-Obamacare: Ngubani ophephe i-ACA Tax?

Ngaba Uyakhululwa kuMthetho wokuNakekelwa ongenakuncedo?

I-Obamacare igunya lokuba wonke umntu athole i-inshorensi yempilo okanye ahlawule irhafu . Kodwa ngowama-2015, kwakukho abantu abayizigidi ezili-12.7 abaye baxolelwa. Umzekelo, nabani na ongenakwenza okwaneleyo ukuhlawula irhafu yengeniso uyahlawulwa. Awukwazi ukuhlawula isohlwayo kuba ityala. Akukho ntlawulo, akukho sihlwayo.

Umthetho uyaqaphela ukuba abantu batshintsha imisebenzi, bahambe, njl. Ngako oko, uxolelwe nje nje ngokuba unesi-inshurensi ubuncinane kwiinyanga ezisi-9 ngaphandle konyaka.

Kwakhona awuyi kuhlawula isigwebo ukuba awukwazi ukufumana i-inshorensi ngokwenyama kuba, umzekelo, wawukho longweni okanye wawungekho eUnited States.

Ukuxolelwa kwakhona kunikezelwa kumalungu amaNdiya amaNdiya, iinkonzo zokwabelana ngononophelo lwezempilo, okanye iinkonzo zonqulo ezichasene ne-inshurensi.

Ukukhutshwa Kobunzima

Kukho ukuxolelwa kabuhlungu obuthathu kulabo abangenako ukuthenga i-inshurensi. Unokufaka isicelo sakho ukuba:

1. Ayikwazi ukufumana i-inshurensi ebiza imali engaphantsi kwe-8 yengeniso yakho
2. Babengenamakhaya, baxoshwa, okanye bafumana isaziso sokuvalwa kwiinkampani ezisetyenziswayo.
3. Waxhatshazwa kwindlobongela yasekhaya, okanye olunye ubunzima obufanayo.
4. Ukufumana ama-138 ekhulwini okanye ngaphantsi kwinqanaba lehlwempu kunye nelizwe lakho alizange lwandise iMedicaid.
5. Eyilungiselelwe ukutyunjwa kwiinyanga ezintandathu zokugqibela.
6. Umonakalo owaziwayo kumlilo okanye umkhukula.
7. Ngaba ityala ngenxa yeendleko zonyango okanye ekunakekeleni ilungu leentsapho ezigulayo.
8. Babenqatshelwe iMedicaid okanye i-CHIP kumntwana wakho, kwaye omnye umntu ufanele ahlawule inkxaso yonyango kwaye akazange ayenze.

1. Babenelungelo lokufumana inkxaso, kodwa inkampani yomshuwalense ayinakukunika yona kwaye ke wayenayo inshuwalense.

Nantsi ifom yokufaka isicelo sokuxolelwa kanzima. Ukuba awuqinisekanga ukuba unako ukuthenga i-inshorensi, fumana ukuba u-Obamacare uya kundibiza ngantoni na?

Ngo-2013, abaninzi abantu bafumene izicwangciso zabo ze-inshorensi.

Kungenxa yokuba iinkampani ezininzi zanyula ukuba zingathobeli imfuno ye-ACA yokuba zibandakanya iinkonzo kuzo zonke iindleko ezi-10 ezibalulekileyo . Ukuba ungomnye walezo zicwangciso eziye zacinywa, kwaye awukwazi ukufumana isicwangciso esithengekayo kwiintengiso ze- inshurensi yezempilo , unokufaka ifayile yokuxolelwa.

Uya kulungela isicwangciso esiyingozi. Ezi zi-premiums eziphantsi kakhulu, kodwa i-deductible iyafana ne-out-of-pocket maximum ($ 6,600 kubantu ngabanye, kunye ne $ 12,300 kwiintsapho). Nabani na ukuya kuma-30 sele sele evumelekile kwisicwangciso esiyingozi. Fumana indlela ongayifaka ngayo ukukhutshwa kolu bunzima apha.

Ukuxolelwa kweThumela

Isicwangciso soRhafu soMongameli uTrump sinika wonke umntu ithuba lokukhululwa okuqala ngo-2019. Iphelisa irhafu ye-Obamacare.

Ikhulisa ukuxolelwa ngo-2018 . Unokufumana ukukhululwa xa uhlala kwindawo enomnye okanye ombalwa kwiinshorensi zempilo kwiingxoxo. Kufuneka ubonise ukuba ukungabikho kokukhetha kukuthintela ukuba ufumane i-inshurensi. Unokubango kwakhona ukuxolelwa ukuba bonke ababoneleli nge-inshorensi bakhupha isisu, kwaye oko kukuchasene neenkolelo zakho. Uyakuxolelwa ukuba ufuna i-specialist, kwaye akukho sicwangciso esigubungela eso sodwa.

Ulawulo lwaye lwayalela i-IRS ukuba iphendule ukuba abantu bangabonakali ukuba bane-inshorensi yempilo ngo-2017 okanye ngo-2018.

Ngeke kulandele abantu abangayihlawula isohlwayo.

Indlela Yokufumana Impilo Yonyango Ukuba Ukhululiwe

Nangona uxolelwe ungathanda ukufumana i-inshorensi ukuba unako. Kungenxa yokuba unokufumana ukunyuka kweendleko eziphezulu zempilo. Ingozi yemoto okanye ingalo ephukileyo ingadala i-$ 2,500 ukuya kuma-25,000. Nantsi indlela yokufumana i-Obamacare kwaye iqala nini?

Ukuba i-inshorensi okanye iMedicaid ayiyiyo into ekhethekileyo, uMthetho woNonophelo ongenakunceda unika neeklinikhi zempilo zamahhala. Yanikezela ngezigidi ezili-11 zeebhiliyoni ngaphezu kweminyaka emihlanu ukuxhaswa ngamaziko angama-8 500 ezempilo yoluntu. Zenzelwe ukukhonza izigidi ezingama-22 ezingaqinisekisiwe, abafumana iMedicaid, kunye nezigidi ezili-12 ezifudukela e-United States ngokungemthetho. Kwakhona ihlawula i-National Health Service Corps ehambisa iinkonzo zokunakekela eziphambili kwiindawo ezingekho kumaziko empilo. I-Healthcare.gov inesiza kukunceda ufumane amaziko ezempilo asekuhlaleni aphantsi kwendawo yakho

Iintlawulo ze- Obamacare zihlawulelwa i-$ 18 yezigidigidi ezibanjelwe kwiintlawulo ze-Medicare eziseburhulumenteni kwizibhedlele. Bavumelana nayo kuba yayiza kubasindisa kakhulu ngokunyanga izimo ezingapheliyo ngaphambi kokuba zifune ukunakekelwa kwegumbi eliphuculayo. Ezi cutshulwa zokuhlawula i-Medicare ziya kuhlala ziyingxenye yesicwangciso seTrump sokutshintshwa nokubuyisela i-Obamacare . Kodwa izibhedlele aziyi kuvuma ukuba unonophelo lokukhusela lunqunyulwa. Yiyo kanye eya kwenzeka phantsi kwecebo likaTrump. Uncedo lwe-inshurensi, ukwanda kweMedicaid, kunye nenkxaso ye-Planned Parenthood i-block block. Okumangalisa kukuba, inkxaso-mali yamanye amaziko empilo yoluntu iya kunyuswa. (Umthombo: "Impembelelo yokuThumela kwiNgxaki yakho yokuLungisa," i-HealthInsurance.org, ngoNovemba 12, 2016.)

Olungakumbi kwi-Obamacare

Kutheni Kufuneka Unakekelo Lwempilo Ukuba Luguquke | Iinkonzo kunye neNgcaciso | Iinyaniso Ngokuphathelele U-Obamacare | I-Obamacare ichazwe - Ilula ngokulula ukuyichazela abantwana bakho | Yintoni kwi-Actual Legislation Act

Ukufumana okungakumbi kwi-Obamacare exemptions, funda yam incwadi ethi Ultimate Obamacare Handbook (2015 - 2016).