Iwe Uchafanira Kubhadhara Obamacare Mitero Gore Rino?
Chirango chekusava neInishuwarenzi
Kusvikira muna 2019, iwe uchabhadhara mutero unowanikwa kana iwe usina hutano inshuwarisi kwemwedzi mipfumbamwe kubva pagore.
Kutanga muna 2016, mutero wakakwidzwa kusvika ku2,5 muzana yemari yako yakagadziriswa yakawanikwa . Muna 2019, chirongwa cheTrump chinotora mutero.
Mutero unoiswa pamwero mukuru. Izvo hazvizovi zvakapfuura kuenzanisira mari yepamusoro yenyika yekutsvaga Bronze yehutano hurongwa hwehutano pahuwandu hwekugoverana . Hurumende yeCongressal Budget inofungidzira izvi zvinenge madhora 4 500 gore negore kune vanhu uye $ 12,000 pamhuri.
Mutero hauchazove uri pasi pemutero wepamusoro wepamusoro. Ndiyo $ 695 pamunhu mukuru uye $ 347.50 pamwana, akaiswa pa $ 2,085 pamhuri. Mushure megore ra2016, izvi zvishoma zvinowanzobuda neNhamba yeVakatengi .
Muna 2015, mamiriyoni 6,7 emitero yakabhadhara chikwereti. Kuongororwa kwokutanga kunoratidza kuti nhamba yakaderera muna 2016. Avo vanowana pakati pe $ 25,000 ne $ 50,000 vanowanzobhadhara chirango. Vakawanda vehurumende havakwanisi kutenga inshuwarisi. Avo vanowana mari shoma vanogona kutora mukana weMedicaid.
Mitero Yemitero Yakaderedzwa
Kana iwe itemize, unogona kubvisa chete mari yekurapa iyo isina kuvharwa nehutano hwako hutano uye inopfuura 10 kubva muzana yemari yako.
Pamberi peAACA, unogona kutora mari inopfuura 7,5 muzana yemari yako. Muna 2017 uye muna 2018, chirongwa cheTrump chekubhadhara mutero chinodzorera kuderedzwa uku kumwero wepamberi ACA.
Kana ukashandisa Aunti yeAalth Savings kana imwe nhoroondo yakafanana, iwe unogona chete kuchengetedza $ 2,500 kuteresa. IAACA yakasarudzwa pane-the-drug zvinodhaka sokukodzerwa kushandiswa kwemari kushandisa mari yekurapa mari.
Kana iwe usingashandisi mari yeFSA yemari yekurapa, mutero wekutere unowedzera kusvika 20 muzana. I IRS inopa hutungamiri hwakadzama pamusoro peHSAs uye Accounts Savings Accounts .
Mari Yemutero Yakasimudzwa
Unoita zvinopfuura $ 200,000 pagore here? Iwe unoshandisa pamwe chete sevakaroorana vanowana mari inenge madhora 250,000 pagore. Iwe wakaroorana asi uri kutengesa zvakasiyana uye unowana zvishoma $ 125,000 gore negore here? Kana wakapindura hongu kune chero ipi zvayo, iwe uchabhadhara mitero yemari yakawanda. Ndiyo imwezve ya 0.9% yemutero wezvipatara zveMedarere pamari yako yaunowana uye purojeni yekuzvimirira pane iyo inonzi miviri. Iwe unobhadharawo mari kune imwezve yehupfumi 3.8 kubva pamari yekuwana mari. Izvi zvinosanganisira zvikwereti uye mari inowanikwa zviri pamusoro pechikumbaridzo.
Kana mari yako iri pamusoro pechikumbaridzo, unogona kubhadhara Obamacare mutero kana iwe uchitengesa imba yako. Mitero inoshandiswa kana iwe ukaita zvinodarika madhora 250 000 semunhu asina kuroora kana $ 500,000 semurume nemudzimai vakaroorana muhomwe huru. Izvozvo zvinoreva kuti unofanira kubvisa mari inoshandiswa pamubhadharo mushure mekutora mutengo wokutanga wekutenga uye zvimwe zvikwereti zvawakaita. Kana uri kutengesa mabhizimusi pfuma, haugamuchiri kubviswa uku. Obamacare mutero unobata iyo seimwe humwe hupfumi huripo.
Bhizimisi Mitero
Cadillac Mutero. Makambani anopa zvikwereti zvehutano hwehutano hwepamusoro, iyo inonzi Cadillac plan s, ichabhadharwa 40% yemadhora emitero.
Aya mazano ane premium ye $ 10 200 pamunhu mumwechete kana $ 27 500 yemhuri. Dzinodiwa nevaya vari mumabasa ane ngozi. Yakanonoka kusvikira 2020. VaLobbyist vari kushanda kuti vadzidzise mutero muna 2018 nokuti ndiyo iyo mabhizimisi aizotanga kuronga kwe2020.
Indoor Tanning Services. Izvi zvinokwereta mutero wekodhi ye 10 muzana yemari chaiyo yekuchenesa.
Chirwere Chirongwa Vatori. Makambani aya anokwereta 2.3 muzana yepamusoro yekutengesa mutengo wakazara wekutengesa. Iyi mutero yakasimirirwa kusvikira muna 2018. Sangano rezvechiremba rinoshandiswa mune zvekurapa, AdvaMed, rinokumbira kubvisa mutero.
Vanachiremba Vanorapa Drug uye Vanopinda Mutoro. Aya mabhizimusi anotengwa mari yegore negore.
Makambani. Muna 2014, iyo inofungidzirwa mutero kubhadharwa inowedzera ne15,75 muzana yemakambani ane zvinhu zvinenge $ 1 bhiriyoni.
Health Insurance Companies .
Vanogona kungotora madhora mazana mashanu emadhora mazana maviri emadhora ekubhadharwa kwevashandi.
Credits Credits uye Exemptions
Kana zviwanikwa zvako zvikamu 400 muzana kana zvishoma zvehurumende paurombo uhu , iwe unogona kukodzera chikwereti chemutero. Izvi zvakasiyana nehurumende.
Kana zviwanikwa zvako zvikamu makumi maviri nezviviri zvezana zvehurombo, iwe unogonawo kuchengetedza paunenge uri muhomwe mari. Chero kambani yeinishuwarenzi inotengesa pakutsinhanisa inofanira kuderedza mari yako kune imwe yepamusoro. Izvi zvakasiyana nehurumende.
Kana zviwanikwa zvako zvikamu 138 muzana kana zvishoma zvehurombo, haufaniri kubhadhara mutero. Munyika dzakawanda, iwewo uchange wakakodzera kuMedicaid.
Iwewo haufaniri kubhadhara mutero kana:
- Imari yako yakaderera zvokuti kugovera hakugoni kuitika.
- Iwe hauna kutarisirwa kuisa mutero kudzoka.
- Iwe uri nhengo yedzinza reIndia.
- Iwe unobatanidzwa muhutano hwekugovana kwehutano hwehutano kana uri nhengo yechitendero chinotarisira inshuwalhu yehutano.
- Iwe unoshanda nokuda kwekutambudzika kusunungurwa .
Mabhizimisi
Vasingasviki 25 vashandi. Iwe unogona kukodzera chikamu chemakumi mashanu emitero yechikwereti yehutano yehutano. Iwe unokodzera kana muvhareji wemari yevashandi vako iri pasi pe $ 50,000 uye iwe unobhadhara chikamu hafu yepurayamisi. Izvozvo hazvirevi kuhutano hwehutano inshuwaridzi yevanini.
Vashandi vashoma makumi mashanu. Iwe unogona kushandisa hutano hwehutano inshuwarano kuti ubatsire kuwana zvirongwa zvakaderera.
50 kana kupfuura vashandi. Kubva muna 2015, unofanira kubhadhara mutero wemadhora e $ 2 000 pamushandi kana iwe usingapei inshuwarisi yehutano. Imwe inoshanda inoshanda kune vashandi vokutanga makumi matatu.
Zvose mabhizinesi - Unogona kuwana rubatsiro rwezvemari kana iwe uchipa hutano inshuwarheni kune avo vakangotanga kubhadhara kubva kune makore 55 kusvika ku 64. Iwe unogona kuwana chikwereti chemitero ye 28 muzana yezvinodhaka zvinodhaka kana iwe uchipa chinyorwa chokugadziriswa kwevashandirari.
Charities
Mutero-vasingabhadhari vashandi vanogona kuwana 35 muzana mutero wechikwereti sekubhadharwa pasi pamamiriro ezvinhu akafanana semabhizimisi maduku pamusoro.
Mukuderera : Ichanditengesa Zvakadini? | Pros uye Cons | Iyo Inoshanda Sei? Obamacare Summary | Inowedzera kuDhaka? | Rinondibatsira Sei?
Kuti uwane zvakawanda pamusoro pokuti ungachengetedza mari sei muAmamacare mitero, ona bhuku rangu "The Ultimate Obamacare Handbook".