Earners Low Revenue uye New Health Insurance Penalty

Handiiti mari yakawandisa, inofanirwa here nehutano hutano yveshuwarisi huripo kwandiri?

"Kana iwe ukaitika kuti uri pasi pekutsvaga kwekutsvaga kudiwa, izvo zvingangoreva kuti iwe haufaniri kuisa, vanoziva sei kana utano hwako hunofanirwa huri pasi pekugadziriswa kwechitarisiko chine chikamu chekuongororwa kwemutero? Zvinoita sekuti iwe haafaniri kutarisirwa kubhadhara mari kuitira kuti iwe usafanirwa kunetseka pamusoro paro, asi zvinoratidzika seusingadi kuti usataura chero chinhu. "

Uyu mubvunzo unonakidza wakanditumirwa nemuverengi.

Uyu mubvunzo wakanaka uye unokodzera mhinduro yakasimba.

Kana munhu akawana mari yakaderera pane zvishoma zvido zvekutsvaga, ipapo munhu iyeye anenge asingabhadharwi kubhadhara mutoro. IRS haizoregi munhu akadaro nokuda kwekusava nehutano inshuwarisi. Ichokwadi, tinogona kutaura kuti munhu akadaro haadi kuti ave nehutano inshuwarisi. Kana munhu akadaro achikwanisa kubhadhara mutero, ipapo munhu anogona kuratidza paFomu 8965 kuti vanofanirwa kubhadhara kubva kune chikwereti chekugoverwa . Uye chimiro ichocho chinobatanidzwa uye chinotumirwa ku IRS pamwe chete nemamwe ose emitero yavo yekudzoka. Sezvo munhu wacho asingadi kuti ave nehutano hwehutano inshumo yegore, IRS haina hanya kana inshuwarano yehutano inofanirwa kunge inofanirwa kuparidzirwa pasi pasi peNotengeswa Care Care Act.

Ngatitsvake zvakadzama uye tione zviri kuitika pano.

"Kubvira muna 2014," IRS inoti, "vanhu vari voga vanofanira kuva nehutano hwekuchengetedza hutano, vanofanirwa nehutano hwekuchengetedza hutano, kana kuti kugoverana kubhadhara kubhadhara nemitero yavo yekudzoka." [1]

Kusvika ikozvino, pfungwa iyi iri nyore kuti unzwisise. Vanhu vanofanirwa kuva nehutano inshuwarisi. Mune mamwe mamiriro ezvinhu, munhu anogonawo kukodzera kubhadhara. Kuregererwa munyaya iyi kunoreva kuti munhu haafaniri kuva nehutano inshuwarisi uye haazoregi kurwara nekuda kwekushaya inshuwarisi yehutano. Kana munhu asina hutano yehutano uye asingakodzeri kubhadhara, ipapo mumamiriro ezvinhu akadaro munhu anenge achida kubhadhara chirango, chinonzi chikamu chekubhadhara chikwereti.

Mubvunzo saka zvinoitika zvakasununguka, zvakanaka, zvakadini nevanhu vanowana mari pasi pezvinyorwa zvegore negore zvinodiwa? Kana vasina kutarisirwa kuisa mutero wokudzoka, ivo vachiri kudiwa kuti vave nehutano inshuwarisi here? Uye kana vasina uine inshuwarhu yehutano, vanofanirwa here kuti vaite mutoro wekugoverwa? Uye kana ivo vachida kuva ne inshuwarisi, asi havakwanisi kuisa mutero wekudzoka, zvino IRS ichaziva sei kana inshuwarisi yavo yehutano inosangana nechinangwa chechidimbu chinokosha chinyorwa?

Iyi mibvunzo, inoratidzika kwandiri, ndizvo izvo muverengi arikumbira. Saka, ngatipei izvi zvakanyanya kufunga. Takatanga kupi?

Ngatitangei pano:

"Kana iwe usingatenderwi kuisa mutero unodzoka," IRS inoti, "imba yako yemitero haigoni kubhadhara chikwereti chakagoverwa uye iwe haufaniri kutora mutero wekudzorera kuti utaure kubhadharwa kwekubhadhara." Zvisinei, kana iwe usati uri inotarisirwa kuisa mutero wekudzorera asi kusarudza kuisa chero ipi zvayo, inokumbira kubhadhara muganhu 7a kana 7b yeFomu 8965. "[2]

Ndeupi murayiridzo kubva kuRIS unoti?

Kutanga, kana munhu asingadi kuisa mutero wekubhadhara, munhu iyeye anenge asingabhadharwi kubhadhara mutoro. Ngatitorei kuti izvi zvinorevei.

Kana munhu akaregererwa kubva pamubhadharo wezvakagoverwa, munhu iyeyo haazopihwa mhosva kana vasina utano hwehutano hwehutano panguva yegore. Mune mamwe mazwi, munhu iyeye haafaniri kuve nehutano hwehutano hwehutano hwegore. Kana vachidaro, vakakura. Kana vasina kudaro, hapana chinetso. Pasi pepamusoro: havazofaniri kubhadhara chirango chokusava nehutano inshuwarisi.

Iye zvino ngatimboti munhu haafaniri kutora mutero wekudzoka, asi vanokonzera mutero kudzoka chero zvakadaro. Zvichida vainge vaine basa uye imwe mutero yakanga isina kubviswa. Uye ivo vari kubhadhara mutero wokubhadhara kuti vawanezve mari yemitero kubva ku IRS. Mumamiriro ezvinhu aya, munhu ane zvinhu zviviri.

(1) Kana munhu uyu aine inshuwalhu yehutano kwemwedzi gumi nembiri yegore, ipapo munhu wacho anogona kutarisa bhokisi pamutsetse wakakodzera wemutero wokudzoka kuti aratidze kuti vane gore rose rakaparidzirwa.

(Iyi inowanika paNzira 61 yeFomendi 1040, Nhamba 38 yeFomu 1040A, uye Nhamba 11 yeFomu 1040EZ.) Izvi zvinoratidza ku IRS kuti munhu wacho ane inshuwalhu yehutano, uye naizvozvo kubhadhara mutoro wekugoverana kwaisazoshanda.

Kana (2), kana munhu wacho asina hutano hwehutano hwehutano hwegore rose, munhu wacho anogona kutaurira IRS kuti kubhadhara chikwereti chakagoverwa hakushandi kumamiriro avo ezvinhu. Izvi zvinoitwa nokuzadza Fomu 8965 uye kuongorora yebho yebhokisi kana yeLin 7a kana yeLine 7b (chero imwe inokodzera mamiriro avo). Kuita izvi zviratidzo kune IRS kuti munhu wacho haana hutano yveshuwarisi, asi ivo vanofanirwa kubhadhara, uye naizvozvo kubhadhara mutoro wekugovana hakuzoshandisi.

Heino chikonzero ichi maitiro anokosha. Makombiyuta anonzi IRS anogona (kana kuti haafaniri) kugadzirirwa kuti aongorore mamiriro ako ezvinhu. Mune mamwe mazwi, IRS ingangodaro isingazivi - kungotarisa pamutero wako wekubhadhara - kana iwe unofanirwa kuita kuti mutoro wekugoverana ubhadzwe. Uye isu hatidi IRS nemakombiyuta avo vachifunga nezvemamiriro ako ezvinhu. Nokuti apo IRS inofungidzira, inowanzoreva kuti uri kubhadhara mutero mukuru. Saka tinoda kuramba takachengetedzwa nekuudza IRS chaizvoizvo zviri kuitika.

The checkbox paFomu 1040 (kana 1040A kana 1040EZ) zvinoreva kuti iwe wakanga uine inshuwarhu yehutano kwegore rese. Kuongorora bhokisi iri kunoreva kuti kubhadhara chikwereti chakagoverwa hakushandi mumamiriro ako ezvinhu nokuti wakanga wakafukidzwa nehutano inshuwarisi.

Mabhokisi ekutsvaga mumutsara 7a kana 7b weFomu 8965 anoreva kuti iwe hauna yehutano inshuwarima kwegore rese, uye kuti kubhadharwa kubhadharwa kwebasa hakushandi kumamiriro ako ezvinhu. Kuongorora imwe yemabhokisi aya inotaurira IRS, "Hungu, mari yangu yaive yakaderera zvakakwana zvokuti handifaniri kuvharirwa."

Ndezvipi mabhokisi ekuongorora maLines 7a uye 7b paFomu 8965 anoreva?

Zvose izvi zvinofananidzwa nemari kune imwe nzvimbo yekuvhara chikumbaridzo. Mutsara 7a inotora mari yemari yemhuri, iyo ndiyo yakashandurwa yakachinjwa mari yakawanda kune wese munhu ari mumba memunhu nekuda kwekuteresa. Imba yemitero inoshandisa mutero inoreva mubhadhadzi, mudzimai wemubhadhara (kana akaroorwa uye achiisa pamwe chete), uye vose vanovimba. Kune munhu wese muimba yemitero, tinokumbira kana munhu iyeye achida kutumira mutero kudzoka. Isu tinowedzera kuwedzera kuwedzera kwakagadziridzwa mari yakawanda yakagadziriswa kune mumwe nomumwe mumhuri inofanirwa kuisa mutero wekudzoka. Uye iyo ndiyo mari yemhuri. Zvadaro, enzanisa nhamba iyi kusvika pachikumbaridzo chekufambisa zvichienderana nemamiriro ekutsvaga kwevateresi. Kana mari yeimba iri pasi pechikumbaridzo, ipapo munhu wacho anokodzera kubhadhara kubva kune chikamu chakagoverwa kubhadhara (uye naizvozvo haifaniri kuva nehutano inshuwarheni yekuvhara).

Mutsara 7b, nekusiyana, unotora mari yakawandisa. "Pfuma yakawanda," iyo IRS inonyora muChirangaridzo 17, "inosanganisira mari yose yaunogamuchira nenzira yemari, zvinhu, pfuma, nemabasa asingabhadharwi mutero. Inosanganisirawo mari kubva kune zvinyorwa kunze kweUnited States kana kubva kune kutengeswa kweimba yako huru (kunyange kana uchikwanisa kubvisa zvose kana chikamu chayo). "[3] Enzanisa nemari yakawanda yemunhu kusvika kune chikumbaridzo chekufambisa maererano nemamiriro ekubhadhara mutero. Kana huwandu huripo huri pasi pechikumbaridzo, ipapo munhu anokodzera kubhadhara kubva kune chikamu chekubhadhara chikwereti (uye naizvozvo haifaniri kuva nehutano inshuwarheni yekuvhara).

Mimwe mitemo inotaura kuti izvo zvatiri kunyatsoona ndezvokuti mari yeimba inenge isingasviki kudarika kunyorera. [4]

Notes.

1. IRS, Mirayiridzo yeFomu 1040 (2014) , mirayiridzo yeNzira 61, peji 50. PDF.
2. IRS, Mirayiridzo yeFomu 8965 (2014) , peji 1, chinyorwa 2. PDF.
3. IRS, Your Federal Income Tax (2014) , Publication 17, peji 5. PDF
4. Internal Revenue Code chikamu 5000A (e) (2) uye Mitemo yePaimari 1.5000A-3 (f).