Kamoo Molao oa Bophelo oa Amerika oa Bophelo o Fokolang Medicare Taxes
Batho ba fetang lilemo tse 65 le ba nang le bokooa ba itseng ba itšetlehile ka Medicare ka litlhoko tsa bona tsa tlhokomelo ea bophelo. Ba bangata ba bona ba lefella tokelo ka tsela ea lekhetho. Bala pele ho utloisisa hore na lekhetho le sebelisetsoa ho lefella Medicare, ke mang ea le lefang, le hore na ba sebetsa joang. Habohlokoa le ho feta, American Health Care Act e ne e tla fetola joang chelete eo ue lefang ka pokothong ea makhetho a Medicare?
Kamoo Mesebetsi ea Mesebetsi ea Meriana e sebetsang kateng
Medicare e robehile likarolo tse 'nè: Karolo ea inshorense ea sepetlele , inshorense ea karolo ea B ea bongaka , Karolo ea C Medicare Advantage coverage , le karolo ea D e ngotsoeng kalafo ea lithethefatsi .
Lekhetho le lefuoang ho 'muso oa federal le kenngoa ho Fundare Trust Fund, e sebelisetsoang ho tšehetsa Karolo ea A boitsebiso feela. Sena ha se kenyeletse tlhokomelo ea hau ea sepetlele feela empa le lits'ebeletso tse ling tse kang tlhokomelo ea tlhokomelo ea tlhokomelo ea tlhokomelo ea tlhokomelo ea tlhokomelo ea tlhokomelo le tlhokomelo ea bophelo bo botle ba malapa
Litefiso tsa khoeli li ka boela tsa sebelisoa ho tšehetsa Medicare Part A, empa hangata li bua, ke batho ba seng bakae feela ba li lefang. Lebaka ke hore li-premium li lokolohile ho mang kapa mang ea sebelitseng karolo ea 40 kapa ho feta mosebetsing o tšoanelehang oa Medicare , ho bolela hore ba se ba lefile karolo ea bona ea lekhetho. Batho ba sebetsang ka tlase ho tse 40 tsa khoeli ba tla lefella litšenyehelo tsa khoeli le khoeli tse kenyelletsoeng Letlōleng la Medicare Trust.
Bakeng sa 2017, batho ba sebetsang pakeng tsa tse 30 ho isa ho tse 39 mosebetsing oa Medicare-o lefang lekhetho ba tla lefa $ 227 ka khoeli matlong a phaello ea Karolo ea A, ha ba sebetsang ka tlase ho tse 30 ho tla lefa $ 413.
Medicare Likarolo B ho feta D li tšehetsoa haholo-holo ka li-premium tsa khoeli le khoeli. Ho fapana le Karolo ea A, bohle ba lefella moputso oa khoeli le khoeli bakeng sa lits'ebeletso tsena. Ba bang ba hau, leha ho le joalo, ba tla lefa haholoanyane ho latela mokhoa oa hau oa chelete.
Phetoho ea Khoeli le Khoeli e Amanang le Lekhetho (IRMAA)
Kakaretso ea Khoeli le Khoeli e Amanang le Lekhetho Chelete (IRMAA) ha e lekhetho ka ho lekaneng, empa ke tefello e eketsehileng eo u tla e lefa bakeng sa Likarolo B le / kapa D haeba chelete ea hau e ka holimo ho tekanyo e itseng.
Chelete eo e ea ka ho toba ho Medicare, eseng k'hamphani ea inshorense e ikemetseng e tšehelang moralo oa hau oa Medicare, 'me e tla itšetleha ka chelete e fetotsoeng ea chelete e fetotsoeng kapa MAGI.
Lichelete tsa hau tse ngata li thehiloe moputsong oa hau (ho akarelletsa le lits'ebeletso), chelete e tsoang ho likhoebo / matsete, phaello e fumanoang, phaello ea mesebetsi le alimony. E "fetohile" e itšetlehile ka lits'enyehelo tse amohelehang tsa IRS tseo u ka li etsang, mohlala, litšenyehelo tse tsoang meputsong ea IRA ho phaello ea likoloto tsa seithuti. Bohloko "bo fetotsoe" ka ho eketsa phaello efe kapa efe ea phaello eo u nang le eona. Puso ea federal e sebelisa marang-rang ho fumana hore na u tla lefa bokae bakeng sa lekhetho, 'me haeba u tšoaneleha bakeng sa Medicaid , likoloto tsa lekhetho kapa litšehetso tse ling tse tšehetsoang ke feshene.
Bakeng sa merero ea Medicare, MAGI e sebelisetsoa ho fumana hore na o tla lefa IRMAA. Batho ba fang $ 85,000 kapa tlaase ka lichelete tsa bona tsa lekhetho, kapa banyalani ba kopang hammoho ka $ 170,000 kapa tlase, ba ke ke ba lefa IRMAA. Haeba u fumana chelete ka holim'a litekanyetso tsena, u tla lefisoa theko e eketsehileng.
Bakeng sa 2017, Medicare Karolo ea B IRMAA ke $ 53.30, $ 133.90, $ 214.30, le $ 294.60 ka khoeli ha u kena licheleteng tse phahameng tsa chelete. Bakeng sa Medicare Part D, IRMAA ke $ 13.30, $ 34.20, $ 55.20, le $ 76.20 ka khoeli.
Li-bracket tse fumanehang ka IRMAA li qala ka $ 85,001- $ 107,000 bakeng sa li-filer tse se nang mohala le $ 170,001 ho $ 214,000 bakeng sa li-filer tse kopanetsoeng.
Li nyolohela ho $ 214,000 le $ 428,000 bakeng sa li-filers tse le 'ngoe le tse kopane ka ho latellana.
Bakeng sa tlaleho, Karolo ea B IRMAA e qalile ka molao oa Congressional ka 2007, 'me Karolo ea D IRMAA ka 2011 e le karolo ea Molao oa Tlhokomelo o kgonehang, aka Obamacare .
The Medicare Tax
Medicare Tax e simolohile ka 1966 'me e sebelisetsoa chelete ea hau e fumanoeng, ho fokotsa litšenyehelo leha e le life tsa phaello ea bophelo bo botle ba mohiri kapa bakeng sa ho fokotsa lekhetho pele ho lekhetho. Ha e sebetse ho phaello ea lichelete le chelete e meng ea matsete. Chelete e tsoang lekgetlong lena e ea ka ho toba ho Mokhatlo oa Medicare Trust.
Hore na u lefa bokae ka lekhetho ho itšetlehile ka boemo ba hao ba mosebetsi.
Batho ba hiriloeng ba tla lefa halofo ea lekhetho le hlokahalang la Meriana, mme tjhelete ena e tla tlosoa ka ho toba ho lefa la hao la moputso. Lebaka ke hore mohiri oa hao o lefella phapang.
Ba ikemetseng ba tlameha ho lefa chelete eohle ea Medicare Tax, bobeli ba mesebetsi le mohiri. Ho lebeletsoe hore basebetsi ba ikemetseng ba lefelle makhetho a bona a lekhetho ho ea mmuso kapa ho seng joalo ba tobane le kotlo e khutšoanyane.
Ka 1966, Medicare Tax e qalile ka tekanyo e tlaase ea 0,7 lekholong. Kajeno, lekhetho la lekhetho le eketsehile ho ea ho karolo ea 2.9 lekholong.
Haeba o hirile, o tla lefa karolo ea 1,45 lekholong 'me mohiri oa hao a lefa karolo ea 1,45 lekholong ea monehelo. Haeba u sebetsa, u na le boikarabelo ba tekanyo e feletseng ea 2.9 lekholong.
The Additional Medicare Tax
Haeba u fumana chelete e eketsehileng, u tla lefa ho feta.
The Affordable Care Act e kenyelelitse Lekhetho le Eketsehileng la Medicare le ileng la sebelisoa ka lekhetlo la pele ka Mantaha oa 2013. Le ile la ama batho ba fumaneng chelete ka holimo ho likhaolo tse latelang tsa MAGI.
- Ke masoha kapa ke hlooho ea lelapa - $ 200,000
- Banyalani ba kopanya hammoho - $ 250,000
- Motho ea nyalaneng o kopanya ka thoko - $ 125,000
- Mohlolohali ea tšoanelehang (er) le ngoana ea itšetlehileng ka $ 200,000
Chelete leha e le efe e fetang chelete ena e tla lefshoa karolo ea 0.9 lekholong ea makhetho a Medicare. Ho fapana le tloaelo ea Medicare Tax, lekhetho lena le lefuoa ka ho feletseng ke mosebeletsi. Mohiri ha a etse monehelo.
Ka mohlala, motho ea se nang molekane ea fumane $ 250,000 ka selemo o ne a tla lefa karolo ea 1,45 lekholong lekhetho la Medicare bakeng sa $ 200,000 ea pele empa lekhetho la 2,35 lekholong (1,45 lekholong + ea 0,9 lekholong) li setseng $ 50,000. Mohiri o ne a tla tsoela pele ho lefa karolo ea 1,45 lekholong bakeng sa chelete eohle ea chelete.
Haeba u se u sebetsa, u ne u tla lefa tekanyo ea tekanyetso ea 2.9 lekholong ea Medicare bakeng sa chelete leha e le efe e ka tlaase ho moeli oa litefiso le ea Additional Medicare Tax ea 3.8 lekholong (2.9 lekholong + 0,9 lekholong) ho chelete leha e le efe ho feta monyako.
Lekhetho la Lekhetho la Chelete ea Matsete
Lekhetho le leng le kenyelletsoeng ke Theko e tlaase ea Care Act ke Net Investment Income Tax (NIIT), e tsejoang hape e le chelete e sa fumaneheng ea Monehelo oa Monehelo oa Meriana. E sebetsa ho batho ba fumanang chelete ka holimo ho likhaolo tse latelang tsa MAGI le ba nang le phaello ea matsete:
- Ke masoha kapa ke hlooho ea lelapa - $ 200,000
- Banyalani ba kopanya hammoho - $ 250,000
- Motho ea nyalaneng o kopanya ka thoko - $ 125,000
- Mohlolohali ea tšoanelehang (er) le ngoana ea itšetlehileng ka $ 250,000
Ha e le hantle, ke karolo ea 3.8 lekholong ea lekhetho la Medicare le sebelisetsoang chelete ea hau ea letsete. Sena se ka kenyelletsa li-annuities tse itseng, phaello ea chelete, likhaello, chelete ea khiriso, le meputso. NIIT ka ho toba ha e sebetse ho moputso, chelete ea boipheliso, phaello ea penshene, phaello ea akhaonto ea tlohela mosebetsi, melemo ea ts'ireletso ea Sechaba, thahasello ea lekhetho, kapa phaello ea mosebetsi.
The Additional Medicare Lekhetho le fapane le NIIT hobane ha e sebetse ho chelete ea matsete ea letlooa. Leha ho le joalo, IRS e bolela hore hoa khoneha u ka tobana le litefiso tse peli.
U tla lefshoa lekhetho bakeng sa NIIT ho latela chelete e nyane ea chelete ea hau ea letlooa kapa letlotlo leo u fetang ka lona moeli oa MAGI.
Kamoo Molao oa Bophelo oa Amerika o neng o ka be o fetotse Medicare Taxation kateng
Liphetolelo tsa pele tsa American Health Care Act (AHCA), hamorao e bitsoa Better Care Reconciliation Act (BCRA), e ikemiseditseng ho fokotsa lekhetho la Medicare ka ho felisa Meriana ea Tekanyo ea Additional and Net Investment Revenue Tax. Sena se ile sa hlahisa khang e kholo mabapi le khefu ea lekhetho bakeng sa barui.
Komiti e Kopaneng ea Lekhetho e bolela hore ho tlatlapa ho eketsehileng ka Medicare Tax ho tla fokotsa lichelete tsa lichelete ka $ 117 limilione tse 2026. Ka chelete e fokolang e kenang Medicare Trust Fund, Medicare e tla fokotsa chelete ea eona ka 2025 , lilemo tse tharo pele ho moo ho lebelletsoeng. Sena se fapane ka ho toba le theko e tlaase ea Care Act e hlileng e atolositseng solvency ea Medicare ka lilemo tse 11.
Litlaleho tsa lichelete li boetse li bontša hore boholo ba Maamerika ha bo na monyetla oa ho rua molemo ka ho lefshoa lekhetho lena. Ha e le hantle, ba limilione ba tla fumana karolo ea 79 lekholong ea likhetho tsohle tsa lekhetho. Ka 2025, ba limilione ba ne ba tla rua molemo ka chelete e ka bang $ 50,000 ka selemo, ba limilione tse ngata ho fihlela ho $ 250,000 ka selemo, le ba ka holimo ho 400 ba fumanang chelete e ka bang $ 7 million ka selemo.
Batho ba fumanang chelete e ka tlaase ho $ 200,000 kapa banyalani ba ka tlaase ho $ 250,000 ba ke ke ba bona phetoho ea lekhetho la bona.
Ha e le hantle, hase feela hore baahi ba tlase le ba bohareng ba lichelete ba ntse ba lefshoa ka tekanyo e lekanang, empa ba limilione ba bangata ba ne ba tla lefshoa lekhetho le tlaase ho feta Maamerika a lefshoang ka tlaase ho moo. Lebaka ke hobane barui ba fumana chelete e kholo ea liranta tsa bona ka chelete e sa lefelloeng. Kaha karolo eo ea chelete e ke ke ea hlola e lefshoa ke NIIT, ba na le monyetla oa ho kotula meputso e kholo.
Joalokaha ho qalong ho bontšitsoe, American Health Care Act / Better Care Reconciliation Molao e ne e tla lefa batho ba Amerika hampe ha ba ntse ba fokotsa chelete ea Medicare, lenaneo la tlhokomelo ea bophelo e hlokahalang ho baahi ba rona ba khale le ba kulang. Ka la 13 Phupu, 2017, ha ho arajoa mohoo oa sechaba, GOP e ile ea lokolla phetolelo e ncha ea Molao oa Better Care Reconciliation Molao o ileng oa emisa ho tlosa lekhetho lena. Qetellong, molao ha oa ka oa fetisoa.
Lentsoe le Tsoang ho
Mesebetsi ea lenaneo la ts'ebeletso ea bophelo bo botle ea 'muso e tla ea ka theko-e leng e lekanang ho e meng kaofela. Medicare lekhetho e se e ntse e sebetsa ho tloha ka 1966 le litefello tse eketsehileng tse ekelitsoeng ho feta lilemo. Sepheo e ne e le ho eketsa lichelete tsa Medicare le ho lumella Maamerika ho kenya letsoho ho ea ka litsela tsa bona.
> Mehloli:
> HI 01101.020 IRMAA Sliding Scale Tables. Websaete ea Ts'ireletso ea Sechaba. https://secure.ssa.gov/poms.nsf/lnx/0601101020. E fetotsoe ka la 23 November, 2016.
> Huang C, Marr C, Horton E. House GOP Health Plan e felisa tse peli Medicare lekhetho, ho fana ka kholo e kholo haholo lekhetho ho ba ruileng. Setsi sa Budget le Lintho tsa bohlokoa tsa Leano. http://www.cbpp.org/research/federal-tax/house-gop-health-plan-eliminates-two-medicare-taxes-giving-very-large-tax-cuts. E hlalositsoe ka la 20 March, 2017.
>> Medicare Premium: Melao ea Bafani ba Phaello e Phahameng. Websaete ea Ts'ireletso ea Sechaba. https://www.ssa.gov/pubs/EN-05-10536.pdf. E hatisitsoe ka January 2017.
>> Lipotso le Likarabo bakeng sa Meriana e Eketsehileng ea Meriana. Websaeteng ea IRS. https://www.irs.gov/businesses/small-businesses-self-employed/questions-and-answers-for-the-additional-medicare-tax. E fetotsoe ka la 6 December, 2016.
>> Lipotso le Likarabo Litabeng tsa Lekhetho Lekhetho la Lekhetho. Websaeteng ea IRS. https://www.irs.gov/uac/newsroom/net-investment-income-tax-faqs. E ntlafalitsoe ka la 13 October, 2016.