Iwe unofanirwa kubhadhara here chero ipi zvayo yekubhadhara kubhadharo yepa premium?
- Chii Chiri Kuita: Kana iwe wakagamuchira zvikwereti zvakanyanya zvekambani yemutero wekwereti yemutero, uchada kuzadza Fomu 8962 kuti uone kana kutora kwako kusati kwasvika kwakanyanya kuduku, zvakanyanya kana kuti kungozvienzanisa nokuzvienzanisa nemari chaiyo yekwereti
- Ndivanaani: Vanhu vakagamuchira mberi mari yekubhadharwa kwekambani yekubhadhara mitero yechikwereti
- Sei: Fomu 8962
- Sei: kana iwe waibhadharwa chikwereti, mamwe mahedheni emitero anogona kusunungurwa kwauri. Kana iwe ukabhadhara chikwereti, iwe unobhadhara zvikwereti zvemitero zvakapetwa. Zvisinei, mari yaunobhadhara kune IRS inogona kunge isina kukwana.
Mutengo wekubhadhara mutero wechikwereti ndeye federal subsidy inowanikwa kuvanhu nemhuri dzine mari shoma pane inowanikwa kane federal poverty line. Mutengo wekubhadhara mutero wechikwereti unoreva kubhadhara vanhu nekuda kwemari yehutano inshuwarheni iyo yakatengwa pachavo kuburikidza nekutsinhanisa. Iyi chikwereti inogona kubhadharwa kare.
Kana iwe wakagamuchira zvikwereti zvekubhadhara kwekambani yekubhadhara mutero wechikwereti, iwe uchazofanira kuyananisira kubhadhara kwako mberi. Kuyananisira zvinoreva kuenzanisa mari yepamusoro yebhadharo iyo kambani yako yeinishuwarenzi yakagamuchira nokuda kwenyu kubva ku IRS kusvika pamari chaiyo yekodzero yemari yekubhadhara mitero yaunofanirwa nayo. Chinangwa chekuyananisira ndechokuwana kana kubhadharwa kwekuripo kwakanyanya kudarika, kuenzana, kana kudarika chikamu chaiyo chekwereti yemutero.
Pamusoro Pokubhadhara Kwebato reKubhadhara Mutero
Apo iwe unyoresa muhutano hwehutano hwehutano hwakatengwa kuburikidza nehurumende kana hutano hutano inshuwarheni yokushandura, shanduko inotora yako premium rubatsiro rwekwereti yekwereti inotarirwa kuongororwa kweimba yako mari yegore.
Pamberi pebhadharo inongova kungofungidzira. Iko mari chaiyo yepamuyamu rubatsiro rwekwereti yekwereti inowanikwa kuburikidza neFomu 8962 uye yakavakirwa pamashoko ako okuwana mari anoratidzwa mumutero wako wekubhadhara we 2017 uye zvikwereti zvemishonga yehutano yehutano, izvo zvinoratidzwa paFomu 1095-A.
Pamberi pekubhadhara kwekambani yekubhadhara mutero wekwereti inobva ku IRS kuenda kune kambani ye inshuwarhu yehutano kuburikidza nekushandiswa kweinshuwarisi
Kuenderera mberi kuripo kunoshandiswa kune zvikwereti zvako, nokudaro nekuderedza kuwanda kwemaimariyamu yaunofanira kubhadhara kubva muhomwe yako.
Kuyananisira kusiyana pakati peApeance Payments uye Gore Rokupedzisira
Kuwanda kwemari yekubhadhara mitero yechikwereti yakabhadharwa kare kunogona kuve yakasiyana neyoyo chaiyo yekwereti yemutero waunokodzera.
- IRS inogona kunge yakabhadhara zvishomanana zvisati zvaitika, panguva iyo iwe unogona kugamuchira chero mimwe mitero yechikwereti.
- Kana kuti IRS ingangodaro yakabhadhara mari yakawanda zvisati zvaitika, panguva iyo iwe unobhadhara mari yakawedzera kune IRS.
- Kana kuti IRS ingangodaro yakabhadhara zvakakwana zvakakwana, pane izvozvi iwe haungakwereti mari ku IRS kana kugamuchira mitsara yakawedzerwa yemitero kubva ku IRS.
Nzira yekuenzanisa zvikwereti zvakapfuura nemari chaiyo yekwereti yemutero inonzi kuyananiswa. Izvi zvinowanikwa apo iwe unogadzirira mutero wako wekudzokera kwegore.
Vanhu vachadikanwa kuyananisa pakati pehuwandu hwekubhadharwa kwekubhadharwa kwakagamuchirwa uye iyo chaiyo yekwereti yemutero.
Zvamuchada:
- Fomu 1040A kana 1040 yakapedziswa kuburikidza nechokuguma peji 1.
- Fomu 8962, Premium Tax Credit . Iyo yomufomu mutsva wakagadzirwa ne IRS uye yakatanga kushandiswa mugore ra 2017.
- Fomu (kana Fomu) 1095-A, Health Insurance Market Market Statement . Icho chimwe chimiro chitsva chakagadzirwa neRR uye chakatanga kushandiswa mugore ra2017. Fomu 1095-A yakagadzirwa nekambani yehutano inshuwarisi uye inotumirwa kwauri neJanuary 31.
Kutanga, iva nechokwadi chokuti wakagamuchira Fomu 1095-A kubva kune imwe yekambani yehutano inshuwarisi. (Kana iwe usina kutenga inshuwalhu yehutano kuburikidza nekutsinhanisa, iwe haugoni kuwana Fomu 1095-A yeurongwa uhwu. Iyi fomu inoshanda chete kune inishuwarenzi yehutano inotengwa kuburikidza nekutsinhana.)
Chechipiri, gadzirira Chikamu 1 cheFomu 8962. Chikamu ichi chemufomu chinotarisa chaiyo yehuwandu hwemari yekubhadhara mutero wechikwereti.
Zvadaro, zadza Chikamu 2 cheFomu 8962. Chikamu ichi chemufomu chinokonzera kubhadharwa kwekubhadharwa pamwe chete nemari chaiyo yekambani yekubhadhara mutero wechikwereti.
- Iko chaiyo yehuwandu hwekubhadhara mutero wekwereti inowanikwa pamutsara 24 weFomu 8962.
- Kuwanda kwekubhadhara mberi kunowanikwa pamutsara 25 weFomu 8962.
Migumisiro inobvira:
Kana iyo chaiyo yehuwandu hwekwereti yekwereti yekwereti inopfuura yekutengesa kubhadhara, IRS ichabhadhara mari yakawedzerwa.
Izvo zvichawedzera kupiwa kwemunhu kana kuderedza kuenzanisa. (Onai mirayiridzo yeFomu 8962 Line 26.)
Kana iyo chaiyo yemari yekambani yekwereti yekwereti inokwana nekubhadharwa mberi kwekubhadhara, ipapo mari yakagamuchirwa isati yasvika yakanyatsokodzera. Hapana chimwe chekuti iwe udzorere kune IRS, uye hapana kune zvikwereti zve IRS kukubhadhara iwe.
Kana iyo chaiyo yemari yekambani yekwereti isati iri pasi pekubhadhara kusati kwaitika, munhu wacho anofanira kubhadhara zvimwe zvekubhadharisa mberi seimwezve mitero-izvi zvinogona kuderedza kubhadharwa kwemunhu kana kuwedzerwa chikamu chakanaka. (Izvi zvinokurukurwa zvakajeka zviri pasi apa.)
Zvinyorwa Zvokubhadharisa Zvokuwedzerwa
Kana kufambisa mberi kwekubhadhara kwakawanda kudarika mutengo wekwereti yemutero, ipapo mari yakawandisa inobhadharwa semutero unowedzera. Zvisinei, mari iyo inoda kubhadharwa inogona kunge isina kukwana. Kuwandisa kwekuwedzera kwekubhadharwa kwakabhadharwa kuri kubhadharwa kune IRS kunogadziriswa zvichienderana nemari yemhuri pane imwe chibvumirano inobva pane zvikamu zvehupfumi hwomukoma huri mhuri inowira. (Mhuri inowanikwa semuwandu wehurumende urombo hunoverengwa uye inoratidzwa paNzira 5 yeFomu 8962.)
| Mienzaniso yekubhadhara Premium Assistance Tax Credit ye 2016 ne 2017 | |||
| Kana mhuri inowana mari yepamusoro yehuwandu hwehurombo huwandu ndeyekuti: | Zvadaro kuwedzera kwemutero hakungapfuuri mari inoshandiswa pasi apa: | ||
| Mukuru kukunda kana akaenzana | Uye Pasi pane | Single Filer | Chimwe Chimwe Chekudzidzira |
| - | 200% | $ 300 | $ 600 |
| 200% | 300% | $ 750 | $ 1,500 |
| 300% | 400% | $ 1,275 | $ 2,550 |
| 400% | - | Hapana Chikwereti | Hapana Chikwereti |
| Mienzaniso yekubhadhara Premium Assistance Tax Credit ya2014 uye 2015 | |||
| Kana mhuri inowana mari yepamusoro yehuwandu hwehurombo huwandu ndeyekuti: | Zvadaro kuwedzera kwemutero hakungapfuuri mari inoshandiswa pasi apa: | ||
| Mukuru kukunda kana akaenzana | Uye Pasi pane | Single Filer | Chimwe Chimwe Chekudzidzira |
| - | 200% | $ 300 | $ 600 |
| 200% | 300% | $ 750 | $ 1,500 |
| 300% | 400% | $ 1,250 | $ 2,500 |
| 400% | - | Hapana Chikwereti | Hapana Chikwereti |
Iko mari inoshandiswa inowanikwa mutafura yepamusoro ichave yakakonzerwa nekutengesa kwegore negore. Zvinyorwa: Mukati Revenue Revenue Chikamu 36B (2014 mari), Nheyo yeMutero 2014-61 (2015 mari, pdf file), Gwaro Revenue Revenue 2016-53 (2017 zvinyorwa, pdf file), uye Nzira yeRepare 2017-53 (2018 mari, pdf file ).
Kuverenga Zvakare
- The Premium Tax Credit (IRS.gov)
- Mibvunzo neMhinduro paPeum Premium Imitero (IRS.gov)
- Kunzwisisa MuNew Premium Assistance Tax Credit (Michael Kitces)
- Kubhadhara Kwakaitwa Premium Assistance Tax Credit For Health Insurance Zvinokonzerwa neMarginal Tax Rate (Michael Kitces)
- Utano Inishuwarenzi Inobatsira Sei? (Elizabeth Davis)