Uri Kushayikirwa Nevatsigiri veObamacare?
Vanhu vazhinji vanofunga kuti Affordable Care Act yakagadzirirwa kubatsira varombo. Zvechokwadi, inopfuura hafu (56 kubva muzana) yemari inobhadhara ichaenda kumhuri yepakati-inowana mari.
Semuenzaniso, iyo mhuri yevana ine mari yepakati pe $ 47,100 uye $ 94 200 pagore. Vanobatwa mumusungo apo vanoita zvakanyanya kuMedicaid, asi hazvikwanise kuwana zvirongwa zvehutano hwega. Maererano neMhuri dzeU.SA, ivo vanowanzoita basa rakaoma nevabereki vari mumabasa akadai sevashandi vekudya, vashandi vehutungamiri, uye ruzivo rwehutano husingawani hutano hwehutano.
Obamacare ichapedza $ 1.039 triloni pamabatsiro emhuri idzi dziri pakati nepakati pegore ra2015 uye 2024. Izvo zvinodarika $ 792 bhiriyoni ichapedza pakuwedzera Medicaid uye CHIP kune varombo.
Iva nechokwadi kuti Unowana Rubatsiro Iwe Unofanirwa
Nzira yakareruka yekuona kana iwe ukawana rubatsiro ndewokuenda kuHealthcare.gov. Iwe unopinda yako inotarisirwa kugadziriswa mari yakawanda uye ichakuudza kuti mari yakawanda yaunotora iwe uchawana. Iwe unogona kunyora kuObamacare mumatanho mana chete ari nyore .
Tarisa chati iri pasi apa. Kana imba yako yepfuma iri pasi peizvi, iwe unokodzera rubatsiro:
| Family Size | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|
| Inowanikwa | $ 47,520 | $ 64,080 | $ 80,640 | $ 97,200 | $ 113,760 | $ 130,320 |
Kana mari yako inenge kusvika 225 muzana yehurombo uhu, iwe unogona kuchengetedza kunyange kupfuura yakawanda pane yako kunze kwehomwe mari. Chero kambani yeinishuwarenzi inotengesa pakutsinhanisa inofanira kuderedza mari idzi kune imwe yepamusoro.
Nzira Yokuverenga Nayo Mhuri Yako Inowanikwa
Iwe uchada kuenzanisa mari yako yemhuri yegore. Nokuda kwechikonzero ichi, imba yako ndiyo munhu anoda inishuwarenzi, asi mari inobhadharwa kune ani zvake akabatanidzwa pamutero wako wekudzokera. IRS inoverenga mhuri yako se:
- Iwe nemumwe wako. Iwe uchafanirwa kuisa pamwe chete kwegore raunoda rubatsiro, uye unosanganisira mari yavanowana, kunyange iwe iwe uchingozvitsvakira inshuwarisi.
- Vana vako vanogara newe, kunyange kana vakazvidzorera ivo pachavo.
- Chero ani zvake akachengetedzwa pane zvakanyorwa pamutero wako wekubhadhara, kunyange kana asingagari newe.
- Ani naani pasi pemakumi maviri nemumwe waunotarisira uye anogara newe.
- Musikana wako asina kuroora kana bedzi kana iye / iwe ndiye anovimba nemutero wako, kana mubereki wemwana wako.
Usapindira: vana vako varoorana vasina kuroorwa kana iwe usingarenge ivo sevaya vanovimba navo; dzimwe hama dzinogara newe, kana dzikaisa mutero wavo wekudzoka uye haisi ivo vanovimba navo; vana vako, kana iwe nemumwe mubereki vakarambana uye iwe hausi kuvaita semutero unotarisirwa.
Nzira iri nyore yekuenzanisa mari yako ndeyekutanga nemari yako yakagadziriswa yakawanda kubva kumutengo wegore rakapera. Ndiyo mutsara 37 pane fomu 1040, mutsara 4 pane fomu 1040 EZ, uye mutsara 21 pane fomu 1040 A. Wedzera kusabhadharwa kune dzimwe nyika, kusagadzikana kweHurumende kuchengetedza rubatsiro, uye kubhadhara mutero usingabhadhari kana iwe uine ivo (vanhu vakawanda havaiti).
Usasanganisira Supplemental Security Revenue.
Kana iwe uchifunga kuti uchatora gore rinotevera, shandura mabasa, kana kuwedzera / kubvisa vese vanovimba mumba mako, fungidzira kuti izvo zvichachinja sei mari yako. Healthcare.gov inokurongedza iwe kuburikidza nekufungidzira iwe mari yako.
Nzira Yokuwana Mari Yako Rubatsiro
Iyo rubatsiro inowanikwa pamutero wako wekubhadhara mari. Nenzira yakanaka, rubatsiro runowanzoshandiswa kuderedza purogiramu yako yemwedzi. Kana iwe usingaregi mitero, iwe haungatori rubatsiro. Kune zvipo mapfumbamwe kubva kuna Obamacare .
Kana mari yako inowedzera mukati megore, ipapo rubatsiro rwako ruchatapudzwa. Mutero wako wekubhadhara uchave wakakura semugumisiro. Kuti udzivise izvozvo, shandura account yako pane webhusaiti yehutanocare.gov uye chero ipi zvayo yakakosha kana kuchinja kwemhuri.
Inguva Yakawanda Inobatsira Inowanikwa Sei?
Kubhadhara kunobva pane zvinodiwa zveSiria inshuwarisi chirongwa.
Icho ndechimwe chezvikwata zvina zve inshuwarisi pane shanduko.
- Zvigadziri zvemhangura zvinobhadhara 60 muzana zvehutano hwako hwekutarisira , apo iwe unobhadhara makumi mana kubva muzana. Vane mapurogiramu ezasi.
- Zvirongwa zvegoridhe zvinotora 80 muzana, asi iwe unobhadhara 20 muzana. Mipurani yeGoridhe yakawanda ine yepamusoro yepamusoro, asi yakaderedzwa zvishoma, kupfuura zvirongwa zveBronze.
- Zvirongwa zveSirivha zvinobhadhara 70 muzana, uye iwe unobhadhara 30 muzana. Deductibles inowanzova mu $ 2,000 ye singles / $ 4,000 kuti mhuri dzive dzakasiyana.
- Platinum zvirongwa zvinotora 90 kubva muzana zvehutano hwehutano, uye vazhinji vane zero vanobviswa.
Zvose zvinopa zvakafanana 10 zvehutano zvinobatsira , kupa pachena kusachengetedza kwekuchengetedza , nekuteerera kune imwe mimwe mitemo yeAACA. Misiyano iri kugoverwa icharatidzwa mumapurayamisi, ekudzvora, uye copays.
Kubhadhara kunobva pane chibvumirano chekuti iwe haubhadhara zvinopfuura 9,5 kubva muzana yemari yako yechipiri chechipiri cheSirivha chirongwa. Zvinotorwa nokutora mari iyo uye kubvisa 9.5 kubva muzana yemari yako. Iwe unogona kushandisa chikamu ichi kune chirongwa chaunosarudza.
Heano muenzaniso wekuti ungave wakaverengwa sei:
- Mari yeSirivha chirongwa = $ 9,500 pagore.
- Mari yako = $ 50,000.
- 9.5% yemari yako = .095 * $ 50,000 = $ 4 750.
- Nhare yako = $ 9,500 - $ 4 750 = $ 4 750.
Nenzira yakanaka, hutanocare.gov huchishandura zviyero zvacho zvose kwauri.Ukubhadhara kwako chaiwo kungave kwakakura, kana kuti kudukusa, zvichienderana nemari yako, mari yevanhu vari mumhuri yako, makore ako, uye kana iwe utsi kana kwete.
Nzira Iyo Basa Rinotsigira
Izvi zvinotsigirwa nehurumende yehurumende . Izvi zvinotsanangura kuti hurumende inofunga kuti iri kurarama sei muurombo, zvichienderana nemari inowanikwa uye huwandu hwemhuri.
Iwe haufaniri kunge uri muurombo hwekugamuchira rubatsiro rweObamacare. Kunyange kana mari yako yakawanda kanopfuura kane FPL, iwe uchine chimwe chinhu. Kune mazano mashanu ekutsigirwa.
- Iko mari yekutanga yekuwana mari ndeye 138% yeFPL (38 muzana kupfuura FPL). Iyi yepamusoro yepfuma inokodzera kuMedicaid. Zvisinei, nyika yako yaifanira kubvumirana kuti iwedzere, uye hafu haina.
- 150 muzana yeFPL. Zvose zvakasara mari inowana mari yekubhadhara. Kana iwe uri pedyo nehurombo, hukuru hwekubatsira kwako.
- 200 muzana yeFPL (kaviri urombo hwehutano).
- 250 muzana yezana reFPL.
- 400 muzana yeFPL (kanowanikwa urombo hutatu).
Kubatsirana Pfungwa Nezvokwadi
Ongororo yeKaiser yakawana kuti inenge hafu yevaya vanowana rubatsiro rwehurumende kuburikidza nekutengesana havana kuzviziva. Rimwe Dhipatimendi reZvipatano neHuman Services ripoti rinoti 87 kubva muzana yevaya vakanyoreswa muhurumende yekushandura vari kutora rubatsiro rwehurumende, asi 46 chete muzana vakaudza Kaiser kuti vaiva.
Zvichida nekuti 43% vanoti vakawana kubhadhara mari yavo yemaimari "yakaoma." Zvisinei, iyo Congressional Budget Office yakawana kuti zvikwereti zviri pasi peBobamacare zvaive makumi mapfumbamwe nemazana pasi kudarika zvaiitwa pakutanga. IC CBO inofungidzira kuti 60 muzana yevaya vanoronga zvirongwa kubva kugoverana vachabhadhara mari inopfuura madhora 100 pamwedzi kuti mumwe munhu apiwe.
Zvimwe paObamacare
Chinoshanda sei? | Kubatsira Vanhu Vakawanda Havazive Nezve | Chii Chakaipa neOmbamacare? |
Obamacare Taxes | Ichandiwana Zvakawanda Zvakadini? | Nzira Yokuwana Sei Obamacare Inotanga Rini?
Kuti uwane zvakawanda pamusoro pekuchengetedza mari paObamacare, ona bhuku rangu The Ultimate Obamacare Handbook (2015 - 2016) .