Maererano nekufungidzira kwekupedzisira kubva kuFidelity, vanhu vanoverengeka vanogona kutarisira kushandisa mari iri pasi pe $ 250,000 muhutano hwehutano muhutano hwavo hwose. Nhepfenyuro yekuchengetedza hutano inowanzonyanya kunetseka kune vati vabva mubhadharo uye vasati vatora mari vachigadzirira kuita shanduko yekurega basa.
Pasinei nezvakatarisirwa nguva yakawedzerwa yekushandiswa mumahofisi echiremba, zvipatara, uye dzimwe nguva kufamba-muchechi, chigadziro chesirivha chinogona kuwanika pamutero wako wekubhadhara nenzira yekusanganisa mitero yemari.
Mari Inoshandiswa Kurapa Inopedzwa Here?
Sezvo kurapwa uye mazino mari kune imwe yezvinhu zvakanyanya kudhura zvevakabhadharwa zvinobatsira kuziva kuti kunyanya kurapwa uye mazino emari kunotsvaga. Kubviswa kwemitero kunowanzowanika pamishandirapuru yemishuwarenzi (kusanganisira mapeamamiro eMedare) uye mapurogiramu ekuchengetedza kwenguva refu kwenguva refu. Izvo zvinowanzoitwa kuvhiya, kushandiswa kwemishonga yemishonga, kana kunyange kutarisira musha kune vakwegura mutero deductible .Chekutanga kusarudzwa hakusi mishonga yemishonga uye iyo inodhura iyo inonyanya kuchena mumasikirwo echisikiro, semeno ekuchenesa.
Heano mienzaniso yezvimwe zvishoma zvinodzingwa zvezvechiremba zvinowanzorambwa nevateresi:
- Zviratidzo zvekurapa zvinotarisirwa nachiremba. Izvi zvinoreva kana chiremba wako akuudza iwe kuti uwedzere humidifier kumba kwako kupisa uye air-conditioning system kusunungura matambudziko ako asingagumi ekufema, chigadziro - uye mamwe magetsi anodhura kuti aishandise-anogona kunge asina kukwana zvishoma nezvishoma.
- Kufamba mari yekuenda uye kubva kuchirapa. Muna 2017, kuderedzwa kwemairenda kwakaderera kusvika masentimita 17 pamiraira.
- Uninsured medical treatments. Izvi zvinogona kusanganisira zvinhu zvose kubva pane rimwe girazi remaziso kusvika kune imwe yechirangaridzo, mazino, manzwiro ekunzwa uye zvipfeko zvemuviri.
- Kushandisa zvinodhaka kushandiswa kwezvinhu zvinodhura. Doro rekushandisa doro uye kushandiswa kwezvinodhaka zvinokonzerwa nekuderedzwa kweizvi.
- Laser chiratidzo chekugadzirisa chirwere. Izvi zvinogonawo kushandiswa sechinhu chakakonzerwa nemitemo yakanyorwa paShedu A.
Kuti udzidze zvakawanda pamusoro pemari chaiyo yezvokurapa iyo inokodzera kubhadhara mutero ona Mutero Wekuteerera Kwevakuru (IRS bhuku 544) rakapiwa ne IRS.
Bvisai Kubhadharwa Mukuverenga Kurapa Kwokurapa Kwokurapa
Kuti uve wakarurama, haugoni kubvisa chero mari yaunenge waita iyo inobhadharwa. Izvi zvinonzwisisika, sezvo iwe usina kunyatsobhadhara chikwereti mumamiriro akadaro mushure mezvose.
Health Insurance Premium Deductible!
Chimwe chezvokurapa zvekurapa chinogona kukushamisa iwe: miriyamisi yemishonga yehutano yehutano inogonawo kuwedzerwa kune yako yose yezvokudya zvekurapa zvinodhakwa. Izvi zvinosanganisira, zvechokwadi, mapeamamiro aMedare chero ipi zvayo. Izvi zvinosanganisira mari yekutora inshuwarisi yenguva yakareba, kusvika kune zvimwe zvikamu zvichienderana nezera rako. Inishuwarenzi mari inofanira kuitwa kubva mushure mekubhadhara mutero.
Zviyero pamusoro pekubatsira kweMari yekurapa kudhura
Kunyange zvazvo mhando dzakawanda dzemari dzekurapa dzinodzingwa, iwe unofanirwa kuitemize kuitira kuti utore mari yekubhadhara mari. Izvi zvinoreva kuti zvikwereti zvako zvose zvinokwidza kudarika kushandiswa kwako kwakakwana. Izvi zvinowanzova dambudziko kune vakwegura veAmerica, sezvo mutengo wakatarwa unowedzera kana iwe uchisvika makore 65 uye / kana uri mapofu.
Kunyange kana iwe itemize, zvakare zvakare, mari yekurapa inongotorwa chete kusvika pamwero iwoyo anodarika 10% yemari yako yakawanda yakagadziriswa (AGI) .
Gore ra2017 risati rapera kubhadhara mari yezvokurapa kwaifanira kudarika 7.5% yeAAGI kune avo vane makore 65 kana kupfuura. Chikumbaridzo chakanga chave chakatarwa pa10% yeAAGI kune vanhu pasi pemakore makumi matanhatu nemashanu. Asi icho chachangobva kuchinja kune vese vanobhadhara pasinei nezera. Kutanga musi waJanuary 1, 2017, munhu wose anogona kutora chikamu chemari yose isina kubvumirwa yekuregererwa kwekurapa kwegore rinopfuura 10% ye AGI. Pano ndipo paunenge uchiwana mari yako yepasi paunenge uchirasikirwa, inogona kunge yakakosha; nokuti AGI yako yakadzika, ndizvo zvakaita chikumbaridzo icho mari yako yekurapa inofanira kudarika kuitira kuti ikupe iwe mutero unobatsira.
Kunenge kwakapoteredza chikamu chimwechete chetatu chevateresi vese vanobvisa zvinyorwa pakutanga.
Asi pane mamiriro ezvinhu apo kubhadhara mari yekurapa kunogona kuva nzira inobatsira yekuderedza mitero. Kana iwe uri muhotera uye mari yako yaunotengesa yakaderedza AGI yako pane mari inokubvumira kuti utore kuderedzwa uku kunofanirwa iwe unofanira kutanga kutora pamwe chete zvikwereti zvezvechiremba uye mabhizimisi. Uyewo, kana mari yako yepamusoro yakakonzerwa nechiitiko chekurapa kamwe chete kana kuti chirwere unogona kushandisa mari yekudhara mari.
Purogiramu A (Fomu 1040) inoshandiswa kuverenga zvakabviswa zvayo. Iwe unogona kuona kopi yeChechi A apa. Zvinyorwa 502 zvinotsanangura nezvemishonga uye mazino mari anogona kuverengerwa pana Purogiramu A.
Kana iwe uchifungidzira kudiwa kwokubhadhara mari yakawanda yemari yezvokurapa iwe pachako kana vamwe paunenge uchirasikirwa, kazhinji kuchenjera kuchengetedza mishonga yako yezvokurapa mune chimwe chiitiko chaunoda kuwedzera izvi zvakaderedzwa. Saka chengetedza mabhizimisi - Amai Sam vangangokubatsirai nemari yekurapa mari!
Yakarongwa naScott Spann