Kukho iintlawulo ezintathu zerhafu kwiMedareya ngo-2018
Isifo sikaLou Gehrig siye safunyanwa yi-Medicare ukususela ngo-2001.
Ukuba awuwa phantsi kweyiphi na iindidi, ungeke wanike ingqalelo kakhulu kuloo pesenti encinci umqeshi wakho ugodla kwi-payers yakho nganye kwerhafu ye-Medicare. Kodwa ukuba uke wazibuza, yile ndlela isebenza ngayo.
I-inshurensi ye-inshurensi ye-Hospital
Urhulumente waseUnited States ubeka irhafu yerhafu ye-Medicare ye-2.9 ekhulwini kwiimali zonke ezifunyenwe ngabasebenzi, kwakunye nakwimicimbi yezolimo okanye iifama ezifumana abantu abaqeshwe ngabanye. "Izinga eliphantsi" kuthetha ukuba wonke umntu-okanye malunga nawo wonke umntu-uyahlawula iipesenti ezifanayo 2.9, kungakhathaliseki ukuba bafumana phi. Kodwa abanye abakhokheli berhafu abaphezulu bafanele ukuhlawula irhafu yonyango eyongezelelweyo ngaphezu kwezi 2.9 ekhulwini.
Ngokungafani neRhafu yoKhuseleko lweNtlalontle-enye inxalenye yomthetho we-Federal Insurance Contributions Act okanye i-FICA-yonke imivuzo yakho kunye nomvuzo wezorhwebo ziphantsi kokungenani i-2.9 yepesenti zerhafu.
Ukhuseleko lweNtlalo lunomda wokuhlawula umvuzo wonyaka ukwenzela ukuba uhlawule irhafu kwirejista ukuya kule mali.
Ireyhafu yerhafu ye-Medicare iyahlawulwa ngabasebenzi ngokuchithwa kwemirhumo, kunye nehafu iyahlawulwa ngabaqeshi babo. Ngamanye amazwi, i-1.45 yeepesenti iphuma kwintlawulo yakho kwaye umqeshi wakho ufana noko, ukuhlawula nge-1,45 pesenti egameni lakho ngenani elingama-2,9 ekhulwini.
I-Self-Employment Tax
Uza kuthatha into yokubetha kabini kwerhafu ye-Medicare ukuba uyasebenza. Abantu abaqeshwe ngokuzimeleyo kufuneka bahlawule iinqunci zerhafu kuba bobabini umqeshwa kunye nomqeshi. Kanye kunye nokuhlawula irhafu yesibini yentlawulo yoLuntu, le mbopheleleko iyaziwa njengerhafu yokuqeshwa.
Kodwa iNkonzo yeNgeniso yangaphakathi iphosa encinci yethambo, nangona kunjalo. Uvumelekile ukuba ususe isahlulo sakho sokurhafisa irhafu njengomsebenzi wokulungiswa kwingeniso "ngaphaya komgca" kwiphepha lokuqala leFomu ye-1040 yentlawulo yakho yentlawulo. Ngokungafani nezinye izinto ezithathelwa zona ekufuneka uzenze ngaphambili kwiphepha lesibini lokubuya kwakho, lo unalo inzuzo yokunciphisa imali yakho engenayo epheleleyo okanye i-AGI, into enhle. Uninzi lwezikhefu zerhafu zixhomekeke kwi-AGI yakho ewela ngaphantsi kwemida ethile.
I-Supplementary Medicare Tax
I-Supplementary Medicare Tax yongezwa nguMthetho woKhathalelo ongenakuncedo ngoNovemba ka-2013. I-ACA yenyuka iMedare ngee-0.9 zeepesenti ezongezelelweyo, kodwa kuphela kubantu abanomvuzo ophezulu abanemali yabo engaphezulu komda othile. Abo bachaphazelekayo bahlawula i-3.8 ekhulwini kwiRhafu yeRhafu. Ukususela ngo-2018, umyinge wokufumana ingeniso:
Iimpawu zoLondolozo zerhafu ezongezelelweyo | |
Indawo yokufaka | Iintlawulo kunye / okanye iNgeniso yokuSebenza ngokungekho ngaphezulu |
Ukutshata Ukutshata Ngokubambisana | $ 250,000 |
Ongatshatanga okanye iNtloko yeMakhaya okanye uMfelokazi onelungelo (er) | $ 200,000 |
Ukutshata ngokutshatyalaliswa ngokwahlukileyo | $ 125,000 |
Ukuhlawula iRhafu yokuThengiswa kweRhafu yoLongezelelweyo
Abaqeshi kufuneka babambelele i-0.9 yeepesenti ezongezelelweyo kubasebenzi abanemivuzo engaphezu kwezi mali, kodwa ngezinye izihlandlo. Abaqeshi abanakho ukuba bahlale beqaphela ukuba umqeshwa uyaxhomekeka kulo mqathango obambelelweyo. Ukuba umqeshwa usebenza ngaphezu komsebenzi omnye, imali yakhe evela kumqeshi we-A kunye noMqeshi B kungenzeka ukuba nganye iwele phantsi komda ngamnye, kodwa umhlawuli-ntlawulo uya kuba noxanduva lokuhlawula irhafu xa engenayo imali engenayo.
Naliphi na i-shortfall engakhange ikhutshwe ngokubamba inkunkuma kufuneka ihlawulwe ngumntu ngexesha lokuhlawula irhafu. Abaqeshi bangaba phantsi kohlwayo kunye nomdla wokungabambeleli kwiRhafu yoLongezelelweyo, nangona ukuba kwakungenxa yezizathu eziqondakalayo.
IRhafu yeNgeniso yeNkxaso yeMpilo yeMali
Intlawulo yegalelo ye-Medicare ye-3.8 pesenti iphinda isebenze "kwingeniso engafumanekanga" -iyo yamkelwa kwiingxowa-mali kunokuba isebenze, njengenzala okanye izabelo.
Le rhafu ibizwa ngokuba yiNtlawulo yeNgeniso yeNgeniso yeNtengiso. Inqanaba le-3.8 ekhulwini lisebenza kwincinci yengeniso yakho yokutsalwa kweentengo okanye imali yakho ehlawulisiweyo yokuguqula imali engaphezulu kwemali. Ngomhla ka-2018, umyinge wemali yile:
Iingxowa-mali zokuNikwa kweRhafu yeNgeniso | |
Indawo yokufaka | Ukulungiswa kweMali ePhakamileyo |
Umtshato ozaliswayo kunye nomhlolokazi ofanelweyo (er) | $ 250,000 |
Ongatshatanga okanye iNtloko yoMakhaya | $ 200,000 |
Ukutshata ngokutshatyalaliswa ngokwahlukileyo | $ 125,000 |
Kwabaninzi bakhoerhafu, ingeniso yakho epheleleyo eguqulwayo okanye i-MAGI iyafana ne-AGI yakho, kodwa ukuba awuqinisekanga, qhagamshelana neengcali zerhafu.
Yonke into echazwe, unokuphelisa ukuhlawula ngaphezu kwepesenti kuphela kwi-Medicare ukuba ungumvuzo ophezulu kunye neengeniso-mali.