Utshintsho kwiMagunya kaMqeshi, iiNhlawulo, ingxelo yoMqeshi
Amalungiselelo oshishino axhomekeke kubukhulu bomqeshi; oko kukuthi, ngenani labasebenzi. . . Ngoko umqeshi omkhulu umqeshi omncinci?
Ukuqaphela Inani labasebenzi
Kuzwakala kulula, kodwa ngokuqinisekileyo nge-IRS akukho nto ilula. Ukufumanisa ukuba i-ACA iyakuchaphazela njani ishishini lakho, kufuneka uqale ubale inani labasebenzi, kuchazwe ngezantsi. Kumele ugqibe inani labasebenzi kunyaka ophelileyo (ngo-2014, kweli phepha) kwaye kulo nyaka (2015).
Ingaba iqumrhu lakho likhulu okanye elincinci le-Obamacare lixhomekeke kwinani labaqeshwa abalinganayo bexesha elipheleleyo (FTE). Akuyena nje inani labasebenzi bexesha elizeleyo, kuba unokuba nabasebenzi abathile abasebenza ixesha elipheleleyo kunye nabanye abangenayo. Okokuqala, kufuneka umisele inani labaqeshwa ngokusebenzisa ukubala ngokulingana nexesha elipheleleyo.
Ngoku ukuba ubale inani le-FTE, unokugqiba ukuba ungumqeshi omncinci okanye umqeshi omkhulu.
Abaqeshi Abancinci
Umqeshi omncinci, ngenjongo ye-ACA, ishishini elinabasebenzi abangaphantsi kwe-50 FTE. Ukuba ungumqeshi omncinci, ishishini lakho akufanele lihambelane neMibandela yoXanduva loMsebenzi, kwaye unakho ukufumana ilungelo lokuthenga ngetyala lezempilo.
Abaqeshi Abakhulu
Ngeenjongo ze-ACA, umqeshi onama-50 okanye ngaphezulu kwe-FTE ubhekwa njengomqeshi omkhulu osebenzayo (ALE). Abaqashi abakhulu kufuneka bahambisane nezibonelelo zoXanduva lwabaSebenzi, abachazwe ngezantsi, kwaye kufuneka banikele ingxelo yomsebenzi wezempilo.
Iingcamango zee-ACA Izibonelelo, ngohlobo lomqeshi (ukusuka kwi-IRS)
Abaqeshi:
- Abasebenzi abangaphantsi kwama-25 abalinganayo bangexesha elipheleleyo bangafanelekile kwiNkcazo yeMali yokuThengwa kweNkcazo yeMpilo yokuNcinci ukuze bancede bahlawule iindleko zokubonelela ngeenkonzo. Funda ngokubanzi malunga nendlela ibhizinisi lakho lingayifumana ngayo le Ngxowa-mali yeNtlawulo yeNtlawulo yezeMpilo.
- Abasebenzi abangama-50 okanye abancinci banokukwazi ukuthenga ukuthengwa ngeNkqubo yeZiko leMpilo eNcinane (SHOP), ngokubambisana kwezempilo.
- Abasebenzi abangama-50 okanye abangaphezulu bexesha elipheleleyo baya kufuneka bafake ingxelo yonyaka yengxelo yokubuyisela ingxelo nokuba ingaba yintoni inshuwalense yezempilo ayinike abasebenzi.
Umxhasi weMqeshi kunye noMhlawuli-mali oXanduva lwabaSebenzi
Isibonelelo sokuqala se-ACA esele sisebenza ngokubhekiselele kumalungiselelo asebenza ngabakwa-Employed Shared (ESR) .
Abaqashi abakhulu (abo abanabasebenzi abalingana nabo abangama-50 okanye abangaphezulu) kufuneka banikeze i-inshorensi yokunakekelwa kwempilo yonyango kubasebenzi abasebenza ixesha elipheleleyo, ubuncinane kwiiyure ezingama-30 ngeveki, abaphakathi. Abaqeshi abangaboneleli mali kufuneka bahlawule intlawulo.
Abaqeshi abangaboneleli ngekota ukuya kwi-70% yabasebenzi bexesha elizeleyo kufuneka bahlawule intlawulo. Ngo-2016, ukukhutshwa kufuneka kuhanjiswe kuma-95% wabasebenzi, kwaye ixabiso liphezulu.
Abaqeshi kufuneka banikeze ngokukhawuleza "ukuthenga" kubasebenzi. Ukuba i-coverage ayihlangabezananga novavanyo lokufikelela, umqeshi kufuneka akhokhe intlawulo kumsebenzi ngamnye wexesha elizeleyo ofumana inkokhelo yentlawulo ngokuthenga intengiso ngokutshintshiselana. Umlinganiselo uthathwa ngokuthi "unokuhlawuleka" ukuba umqeshi wokuzibophezela yena ngokwakhe ngokwakhe awukho ngaphezu kwe-9.56% wemvuzo. Isicwangciso kufuneka sikhowule ubuncinane ama-60% eendleko zeenkonzo zempilo ezikhuselekileyo.
Ingxelo yomqeshi kubo bonke abaqeshi
Abaqeshi kufuneka baqale ukuqokelela idatha ye-inshurensi yomqeshwa ngo-2015 kwaye babike ingxelo ngaloo datha ngo-2016. Nguwo lowo umqeshi ngamnye kufuneka anike ingxelo ebonisa ukukhutshwa kwe-inshorensi yempilo yomqeshwa ngamnye, kubandakanywa nokuba umqeshi unikezela ngokunika ingxelo nokuba ngaba umqeshwa uyamkela okanye wenqatshelwe, ukwenzela ukuba abasebenzi abakhetha ukungahlawuli i-inshurensi yempilo banokuhlawulwa.
Iingxelo ziya kufunwa ukususela ngoJanuwari 2016, ngo-2015 kwaye kuza kugqitywa ngeFomu 1095-C.
Ulwazi lwe-IRS kuMthetho woNonophelo ongenakuncedo
Ukufumana ulwazi oluninzi malunga nefuthe lomsebenzi weqela lomsebenzi kwiinkonzo zempilo, khangela le khasi lewebhu le-IRS kwiMigqaliselo yoNonophelo olungabonakaliyo lwabaqeshi, ichaza ukuba yimaphi amalungiselelo asebenzayo kubaqeshi abancinci nabancinci.