Thola i-Scoop ku-ACA Izigwegwe Zentela 2014 kuya ku-2017
Izakhamizi zaseMelika zidinga ukuba zithole umshuwalense wezempilo noma zizobhekana nezinhlawulo ezithile zentela ngaphansi koMvikeli Wezokwelapha ka-2010 kanye noMthetho Wokunakekelwa Kwezinkinga. Lezi zinhlawulo zentela ziphoqelelwa yi-Internal Revenue Service (IRS) futhi kulo nyaka njengoba izigidi zabantu base-United States zifaka izintela zabo zentela, zizophazamiseka kulo mthetho. Ngenhlanhla, izinhlawulo zentela zizofakwa ezinyathelweni ukuze izakhamuzi zithole isikhathi sokuthenga umshuwalense wezempilo ohlangabezana nezidingo ezingaphansi.
Nakhu okudingeka ukwazi nge-Affordable Care Act izintela zentela ezakhamuzi zaseMelika ezihamba phambili.
Izijeziso Zonyaka Wentela 2014
Kulabo abafaka intela yabo yokukhokhwa kwentela ka-2014, kunezinhlawulo eziphumelelayo emva kokuqala kokubhalisa kukaJanuwari kuya ku-Mashi ngonyaka ka-2014. Umuntu ongenawo umshuwalense odingekayo obuncane obhekene nesimo somshuwalense uhlolwe imali engu-$ 95 ngomuntu oyedwa noma 1% imali engenayo, noma yikuphi okukhulu.
Izijeziso Zonyaka Wentela 2015
Kusukela ngoJanuwari 1, 2015, kulo nyaka ozayo wentela, izinhlawulo ziphakamisa kakhulu, ingxenye yeluhlelo lokukhipha imali yentela eminyakeni embalwa. Ngonyaka wentela ka-2015, inhlawulo yokungabi nomshuwalense wempilo encane edingekayo yi-$ 325 ngabanye, kungakhathaliseki ukuthi imali engenayo yonyaka ingakanani. Isibonelo, umndeni wesine sentela yentela ingaba ngu-$ 1,300.
Izijeziso Zonyaka Wentela 2016
Ukungena esikhathini sonyaka sentela ka-2016, abantu abazoqala ukufaka ngoJanuwari ka-2017, izinhlawulo ze-ACA ziphindaphindiwe kusukela ngonyaka wentela wangaphambilini.
Lesi yisikhathi sokugcina sabo bonke abakwaMelika abafanelekile ukuba babe nomshuwalense wabo wezempilo obuncane. Inkokhelo yonyaka wentela ka-2016 ingu-$ 695 umuntu ngamunye noma amaphesenti angama-2.5 emali engenayo yonyaka obikiwe, noma yimuphi omkhulu. Kubalulekile ukuqaphela ukuthi imindeni izokhokha isigamu salesi sijeziso ($ 347.50) sabantwana abaneminyaka engama-18, ngekhanda lika-$ 2,085 umndeni ngamunye ngemali engenayo yonyaka.
Ukungahlawuliswa kweNtela yentela yezinkinga zezezimali
Akuyona inhloso ye-Care Affordable Act ukudala ubunzima obunzima kumuntu ovamile noma kumindeni e-USA. Esikhundleni salokho, i-ACA iklanyelwe ukukhuthaza wonke amaMelika ukuba abe nezinga elithile lokunakekelwa kwezempilo ukunciphisa nokuphatha izifo eziningi ezivimbelayo eziqhuba izindleko zokunakekelwa kwezempilo. Ngokuhambisana nezidingo zomshuwalense wezempilo we-ACA, kukhona okunye okuhlukile kulabo ababhekana nobunzima obuthile bezezimali noma ukulinganiselwa kwemali engenayo.
Ngaphansi kokushayisana kombuso omusha, abantu ngabanye nemindeni bangakwazi ukuthenga umshuwalense wezempilo ngokusekelwe emazingeni abo okuthola imali. Abaningi bayakufanelekela izinsizakalo zikahulumeni ezikhokhela ingxenye enkulu yamaphrimiyamu yomshuwalense wenyanga, kuhlelo lokuhlelwa kwemali. I-Henry J. Kaiser Foundation ikhishwe i-Health Insurance Marketplace Calculator ewusizo ukuze abathengi bakwazi ukuhlola ukuthi bangafaneleka yini kumxhaso kahulumeni futhi banciphise amaphrimiyamu omshuwalense asekelwe emholweni wekhaya.
I-ACA Imali Yokukhokha Nekhokha noma Yenza Amacala Ebaqashi
Ingxenye enkulu yoMthetho Wokunakekelwa Okungenakuthengiswayo ukuchitha phansi abaqashi abanganikeli izinzuzo zomsebenzi ezanele zabasebenzi babo. Umshuwalense wezempilo, umshuwalense wamazinyo nezinye izinzuzo kubalulekile ngenhlalakahle yabo bonke abantu abasebenzayo, ngakho-ke i-ACA iklanyelwe ukuphoqa ngokomthetho izidingo zokubambisana okuncane.
Ngokuhambisana nezidingo, kunezijeziso ezithile kubaqashi abangahambisani ne-ACA njengoba bewela ngaphansi kwalo mthetho.
Ngo-2014, abaqashi akudingeki banikeze abasebenzi babo umshuwalense wezempilo, kodwa labo abanamathuba angama-50 noma ngaphezulu (noma abalingani) abakhokhelwa ukukhokha ukuthi ngabe abasebenzi babo bazuzisa yini izinhlelo ezihlangabezana nezidingo ezincane. Ngamanye amazwi, abaqashi bahlolwa ukuthi ngabe banikela noma banganikezeli umshwalense wokunakekelwa kwempilo ongabizi. Lokhu kubalwa kanjani? Umqashi kufanele akhokhe amaphesenti angaba ngu-60 wezindleko zeprimiyamu yokuhlomula kanti amaphesenti angu-40 asele akufanele alinganise ngaphezu kwamaphesenti angu-30 engenayo engenayo yabasebenzi.
Kubaqashi abanabasebenzi abangaba ngu-50 noma ngaphezulu abathobela i-ACA, bangalindela ukuthola imali engu-$ 2,000 yesikweletu somsebenzi ngamunye (ngaphezu kokubalwa kokuqala okungenani-30) uma ngabe omunye wabasebenzi bawo uthola usizo lwemali yentela ngokusebenzisa indawo yemakethe yezwe.
Labo abaqashi abangahlangabezane nezidingo zokuqashelwa okungenani kwe-ACA bazobhekana nemali yentela yonyaka wentela ka-2015, okubandakanya u-$ 2,000 ngomsebenzi wesikhathi esigcwele. Lokhu kubizwa ngokuthi yi-Pay noma Play igunya, lichazwe ngokulula kwakho.
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