Pezani Scoop pa ACA Zolakwa za Misonkho 2014 mpaka 2017
Nzika za ku America zikuyenera kukhala ndi inshuwalansi zowonjezera kapena zidzakumane ndi zilango zina zotsatila misonkho pansi pa 2010 Patient Protection ndi Affordable Care Act. Milandu imeneyi ya msonkho imalimbikitsidwa ndi Internal Revenue Service (IRS) ndi chaka chino pamene mamiliyoni ambiri a US akupereka ma msonkho awo a msonkho, adzakhudzidwa ndi lamulo ili. Mwamwayi, chilango cha msonkho chidzakonzedwa pang'onopang'ono kuti nzika zikhale ndi nthawi yogula inshuwalansi ya thanzi yomwe imakwaniritsa zofunikira.
Pano pali zomwe muyenera kudziwa zokhudza Wopindulitsa Care Act Tax msonkho kwa nzika za America akupita patsogolo.
Chilango cha Chaka cha 2014
Kwa iwo omwe amalembetsa misonkho yawo ya msonkho ya 2014, pali zilango zomwe zakhala zogwira ntchito pambuyo pa chaka cha Januari mpaka March kulembetsa kolembera kwa chaka cha 2014. Munthu yemwe alibe chiwerengero cha inshuwalansi chofunika kwambiri amayesedwa $ 95 pa chilango cha munthu aliyense kapena 1% ndalama zambiri, wamkulu ndi wamkulu.
Chilango cha Chaka cha 2015
Kuyambira pa 1 January, 2015, kwa chaka chino chisonkho cha msonkho, chilango chimakweza kwambiri, gawo la ndondomeko yowonjezera ndalama za msonkho kwa zaka zingapo. Kwa chaka cha msonkho 2015, chilango cha kusakhala ndi inshuwalansi ya thanzi laling'ono ndi $ 325 payekha, mosasamala kanthu za ndalama zamkati pachaka. Mwachitsanzo, kwa banja la anayi chilango cha msonkho chikhoza kukhala madola 1,300.
Chilango cha Chaka cha 2016
Kupita mu nyengo ya misonkho ya 2016, yomwe anthu adzayambe kulemba mu Januwale 2017, chilango cha ACA chikuphatikizidwa kuchokera chaka cha msonkho chakale.
Iyi ndi nthawi yomalizira ya onse oyenerera a ku America kuti azikhala ndi inshuwalansi yawo yaing'ono. Chilango cha chaka cha 2016 cha msonkho ndi $ 695 payekha kapena pa 2.5 peresenti ya ndalama zowonongeka za pachaka, chomwe chiri chachikulu. Ndikofunika kudziwa kuti mabanja azilipira theka la chilangochi (madola 347,50) kwa ana a zaka zoposa 18, ali ndi chikwama cha $ 2,085 pa banja limodzi ndi ndalama zomwe zimaperekedwa chaka.
Kuchokera kwa Misonkho Kuchokera ku Mavuto azachuma
Si cholinga cha Care Affordable Care Act kulenga mavuto aakulu kwa munthu wamba kapena mabanja ku USA. M'malo mwake, ACA yapangidwa kuti iwalimbikitse anthu onse a ku America kuti akhale ndi thanzi labwino kuti athe kuchepetsa ndi kuchiza matenda ambiri omwe amalephera kulandira ndalama zothandizira. Kuphatikizidwa ndi inshuwalansi yochepa ya inshuwalansi ya ACA, pali zina zosiyana kwa omwe akukumana ndi mavuto ena azachuma kapena kuchepa kwa ndalama.
Pansi pa mgwirizano wadziko, anthu ndi mabanja angathe kugula inshuwalansi ya umoyo malinga ndi ndalama zawo. Ambiri amatha kulandira thandizo la boma limene limalipira ndalama zambiri pamalipiro a inshuwalansi ya mwezi uliwonse, potsatsa ndalama. Bungwe la Henry J. Kaiser linatulutsa bungwe la Health Insurance Marketplace Calculator lothandiza kuti ogula athe kuyesa ngati angakhale oyenerera ndalama za boma ndikuchepetsa malipiro a inshuwalansi okhudzana ndi ndalama zapakhomo.
Malipiro a msonkho wa ACA ndi Malipiro kapena Pezani Chilango kwa Olemba Ntchito
Mbali yaikulu ya Care Affordable Care Act ndi kusokoneza olemba ntchito omwe sapereka antchito okwanira antchito awo. Inshuwalansi ya umoyo, inshuwalansi ya mano, ndi zina zabwino ndizofunika kuti anthu onse ogwira ntchito akhale ndi moyo wabwino, choncho ACA yapangidwa kuti ikhale yovomerezeka mwalamulo kuti izi zitheke.
Malingana ndi zofunikira, pali zilango zina kwa abwana omwe satsatira malamulo a ACA pamene akugwera pansi pa lamulo lino.
Mu 2014, abwana sayenera kupereka antchito awo inshuwalansi ya umoyo, koma omwe ali ndi nthawi 50 kapena yochuluka (kapena ofanana) ogwira ntchito akupangidwira kulipira momwe polojekiti yawo ikuthandizira pulogalamuyi ikukhudzana ndi zofunikira zochepa. Mwa kuyankhula kwina, olemba ntchito akuyang'anitsitsa ngati akupereka chithandizo cha inshuwalansi yodalirika. Kodi izi zikuwerengedwera bwanji? Bwanayo ayenera kulipira ndalama zopitirira 60 peresenti ya mtengo wa phindu lapindula ndipo otsala 40 peresenti sayenera kulingana ndi 30 peresenti ya ndalama zomwe antchito amapeza.
Kwa abwana omwe ali ndi antchito 50 kapena ambiri amene amatsatira ACA, angathe kuyembekezera kupeza ngongole ya $ 2,000 kwa wogwira ntchito aliyense (pa owerengedwa 30 oyambirira) ngati aliyense wa antchito awo alandira thandizo la msonkho kudutsa kumsika wa boma.
Olemba ntchito omwe sagwirizana ndi zofunikira zochepa za ACA adzayang'anizana ndi ndalama zowonjezera chaka cha 2015, zomwe zimaphatikizapo $ 2,000 pa antchito a nthawi zonse. Izi zimatchedwa udindo wa Pay kapena Play, anafotokozera kuti mumakonda.
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