Kudzokorora premium rubatsiro rweCOBRA pane federal tax tax yako
Vamwe vanhu, zvisinei, vangave vasina kukodzera kubhadhara inshuwarisi yehutano nekuda kwemari yavo. Muchikamu chino ndichakurukura:
- kupera kwemari kweCOBRA premium rubatsiro
- pasinei nokuti rubatsiro rwako rweKOBRA premium runotengesa uye kana zvakadaro, yakawanda sei
- nzira yekuverenga ipi yekudzoka kana kubhadhara kubhadharo yaKobra premium yawakagamuchira,
- nzira yekuzivisa izvi pane yako federal income tax return,
- mitemo inobatsira, mabhizimisi emitero, uye IRS midziyo.
Kurasikirwa kweMari kuCOBRA Premium Assistance
Ndinoda kujekesa kuti kubhadhara mari yeUnited States yeCOBRA rubatsiro ndeye nzira yekudzoka shure. Panguva yekuregererwa kana kuva nemaawa ekuderedzwa, vanhu vangave vakakwanisa kuenderera mberi nehutano hwehutano hwehutano pasi peCOBRA. Munhu wese anokwanisa kuenderera mberi nehushuwarisi yehupfumi ayo akabvumirwa kubhadhara 35% chete yemishandirapamu yavo. Vanhu vaiziva nezvekuti mari yavo yaizove yakakwirira kwazvo kuti iwane rubatsiro rwekubhadhara mari ingadai yakasarudza kunze kwekubhadhara uye yakasarudzwa kubhadhara 100% yemayero avo.
Vanhu vazhinji, zvisinei, vangadai vasingazivi kusvikira gare gare kana mari yavo yaizove yakakura zvokuti haigoni kubvumirwa nekodzero yeCOBRA premium rubatsiro. Ndichitarisa kumashure kune gore rapfuura, zvinogona kujeka kuti mari yomunhu yakakwirira kwazvo. Zvichida nokuti vakawana basa idzva kana kuti vaine zvimwe zvekuwana mari zvaisatarisirwe.
Mumamiriro ezvinhu akadaro, vanhu vanogona kuwana chido chekubhadhara kana kudzorera rubatsiro rweCOBRA rubatsiro rwavakagamuchira pamusangano wavo wekubhadhara mutero.
Kune vateresi vasati varoora uye kune vanhu vakaroorana vanoisa zvikamu zvakasiyana , kana "kushandurwa kwakagadziriswa mari yakawanda" iri pasi pe $ 125,000 kwegore, ipapo chero rubatsiro rweCOBRA rubatsiro rwavakagamuchira haruna zvachose rusununguko uye hapana kudiwa zvakare. Kana kukashandurwa kwavo kwakashandurwa mari yakawanda iri pakati pe $ 125,000 uye pasi pe $ 145,000 kwegore, zvino chikamu chekubatsira kwavo kweCOBRA premium mugore irorochete ichadikanwa kubhadharwa kuHarare. Kana yavo yakashandurwa yakagadziriswa mari yakawanda inodarika $ 145,000 kana kupfuura, ipapo yose yeCOBRA rubatsiro inoda kubhadharwa zvakare.
Kune vakaroorana vakaroora vanyorera kubatanidza kudzoka , mari yekusagadzikana inowedzera zviyero zvakataurwa pamusoro apa. Pasi pe $ 250,000 yemari inowanikwa, hapana COBRA yekudzoka inodiwa. Pakati pe $ 250,000 uye pasi pe $ 290,000, mamwe ekubhadhara kwe COBRA anofanira kubhadharwa. Pamari ye $ 290,000 kana kupfuura, yose yeCOBRA rubatsiro inofanira kubhadharwa.
Kugadziriswa kwakagadziridzwa mari yakawandisa kuitira chinangwa chokudzoka kwekubhadharwa kwepamberi yeCOBRA inotsanangurwa seyo mari yakawanda yakarongeka inoratidzwa pamutero wako wekubhadhara kwegore neyotevera mitero isina kubhadharwa yakadzorerwa zvakare: mari yakapiwa kune dzimwe nyika nemari inobva kuGuam, American Samoa, Northern Mariana Islands, uye Puerto Rico.
Kuverenga kugadziriswa kana kubhadhara kubhadharo yeCOBRA premium rubatsiro
Mutemo weInternal Revenue Manual unopa tsanangudzo yakajeka yekuti mari yekuwedzerwa inotorwa sei: "Kuti uone mutengo webhadharo yakawedzerwa, gurai mari yakashandurwa yakagadziriswa mari yakawanda kupfuura $ 125,000 ne $ 20,000, kana kuti mari inopfuura $ 250,000 ne $ 40,000 pamatafura akabatana. Nhamba yepamusoro inotarirwa, yakawanda nehuwandu hwekubatsira kwepamberi, ndiyo mari inoda kubhadharwa. Pepa Rokushandira F muBhuku 502 rinogona kushandiswawo. " IRM 21.6.4.4.18.1.
Yakawanda yei yako COBRA premium rubatsiro? Zvakanaka, unogona kuwana izvi kubva kune waimbova mushandirwi kana iwe unogona kuzviverenga nyore nyore. Sezvo makero emari yeCOBRA aibhadhara iwe aibhadhara, iwe wakabhadhara 35% chete yehuwandu hwemari. Hurumende yehurumende yakabhadhara imwe 65%.
Saka tora mari yawakabhadhara uye ugovana na 0.35 kuti uwane chikamu chakaenzana ne100% chemishonga yako yveshuwarisi, uye wozowedzera ne 0.65 kuti uwane mari yakatsigirwa nehurumende yehurumende.
Kubva ipapo unogona kuverenga mari yako yekudzoka. Chaizvoizvo mari inowanikwa zvakare inowanikwa yehuwandu hwemari yako maererano ne phaseout range, uye iyo yehuwandu inowedzera nehuwandu hwekubhadharwa kwekambani yeCOBRA kusvika pamari inofanira kubhadharwa kuhurumende yehurumende. Iwe unogona kushandisa "Worksheet F" iri papeji 24 ye IRS Publication 502 kuti uverenge mari yekudzoka.
Kurondedzera COBRA Kudzokorora Kubhadhara Mutero Wako Mutero
Mushure mekunge maverenga kuwanda kwekubatsira kwenyu kwekambani yeCOBRA inoda kubhadharwa zvakare, iwe unoripira mari yacho zvakananga paFomu yako 1040. Kana uri kugadzirira kudzoka kwako noruoko, mumutsara wakajeka uri pedyo neRwendo 60 nyora muCOBRA uye mari yakadzoka zvakare, uye wedzera ichi chiyero kumutero wako wose unonzi paNzira 60.
Nguva Yokutaura COBRA Kudzoka
Kubatsirwa kwekambani yeCOBRA kwaivepo kwemwedzi mipfumbamwe kana munhu asina kushanda kana kushanda zvisina basa pakati peSeptember 1, 2008, uye March 31, 2010. Saizvozvowo, COBRA inogona kudzokera kune makore emitero 2008, 2009, 2010, uye 2011.
Mitemo Inobata Mazano, Mitemo Yematero, uye IRS Resources
Kupiwa kwevanhu vepfuma yakakwirira kwakagadziriswa semutemo sechikamu cheAmerica Recovery uye Reinvestment Act, kunyanya muchikamu 3001 (b). Iwe unogona kuwana rugwaro rwakakwana rwemutemo iwoyo unotangira papeji 351 ye pdf file ye HR 1 .
IRS inotsanangura rubatsiro rweCOBRA premium uye kuburitswa kwekugadzirisa uye inopa Bhuku Rokushandira F rokuverenga mari yekudzoka pakudhindwa 502 , peji 24.