UMthetho woKhathalelo wezeMpilo uthinte njani iBhizinisi lam?

Imfuneko yoLondolozo lwezeMpilo kunye nokuPhinda

UMthetho Wokukhusela Umonde kunye noNonophelo ojongene noKhathalelo ka-2010 , okunye okubizwa ngokuba yi "Obamacare" okanye "uMthetho woLondolozo lwezeMpilo," uthintela amashishini amancinci namakhulu ngeendlela ezininzi. Indlela umyalelo wokunakekelwa kwempilo kuchaphazela ngayo ishishini lakho kuxhomekeke kwinani labantu oqashileyo, nokuba lixesha elipheleleyo okanye ixesha elilodwa (ukungabali iikontraki ezizimeleyo ).

Abaqeshi Abancinci

Amashishini abasebenzisa abasebenzi abangaphantsi kwama-25 apheleleyo (FTE) abaqeshwa banokufumana imvume yokufumana ityala leenkonzo zentlawulo yezempilo ngokubonelela ngoncedo lwempilo kubasebenzi.

Okokuqala, kufuneka uqikelele inani labasebenzi abalingana nexesha elizeleyo (FTE), kuquka nabasebenzi bexesha ngalinye njengepesenti yomqeshwa wesikhathi esigcwele. Emva koko kufuneka ubhekise ubuncinane ama-50 ekhulwini weendleko zokunikwa kweenkonzo zempilo kwabanye abasebenzi bakho, ngokusekelwe kumyinge womntu omnye, kwaye kufuneka uhlawule umvuzo wonyaka ongaphantsi kwe-$ 50,000. Ukuba udibana nazo zonke iziqinisekiso, kufuneka ufake isicelo kwi- IRS Ifomu 8941 (PDF) ukufumana iitaliti yentlawulo xa ufaka irhafu yakho yentela .

Amashishini amancinci angaphantsi kwabasebenzi abangaphantsi kwama-50 afanelekile ukuthenga i-inshurensi yempilo kubasebenzi ngokusebenzisa urhulumente we-inshurensi.

Abaqeshi Abakhulu

Isibonelelo esibalulekileyo soMthetho wokuNakekelwa ongenakuncedo ochaphazela abaqeshi abakhulu nguMyalelo woXanduva loXanduva lwabaSebenzi. Ngaphantsi kweli lungiselelo, abaqeshi abakhulu kufuneka banikele uncedo lwe-inshorensi yempilo engabonakaliyo kubaqeshwa okanye ubuso

• Abaqeshi abanabasebenzi abaphakathi kwabangama-50 no-99 akudingeki bahambisane no-2016, kwaye

• Abaqeshi nabasebenzi abangama-100 okanye ngaphezulu abanakufuneka banikeze ukunika ingxelo kubo bonke abasebenzi; kufuneka banikezele ukufikelela kwi-70% yabasebenzi besikhathi esigcwele ngo-2015 kunye nama-95% ngo-2016 nangaphezulu, ukuphepha ukuhlawulwa kwentlawulo.

Indlela uMsebenzi kaMatyala asebenza ngayo:

Umthetho wokunakekelwa kwempilo awufuni "abaqeshi abaninzi ukuba banikele ngononophelo lwempilo kubasebenzi, kodwa ukususela ngowama-2014 umthetho ubeka izigwebo kumashishini anabasebenzi abangaphezu kwama-50 abanganikeli" unyango "lwempilo kubasebenzi.

Nazi iinkcukacha zale ngxenye yomthetho:

• Ukuqala ngoJanuwari 1, 2015, amashishini amakhulu (abo abanama-50 okanye abangaphezu kwexesha abasebenza ngokugcwele) kufuneka banikeze inkxaso yezempilo kwaye banganiki i-inshurensi yempilo efanelekileyo kuya kufuneka ukuba bakhokhe uvavanyo ukuba abasebenzi babo bafumana iikhredithi zerhafu ye-premium ukuze bathenge i-inshurensi yabo . Olu vavanyo luya kunciphisa inxalenye yeendleko zezi khredithi zerhafu. Uvavanyo lomqeshi omkhulu ongeke unikezele ngokukhawuleza luya kuba ngu-$ 2,000 ngomsebenzi wesikhathi esigcwele ngaphaya komsebenzi wabasebenzi bokuqala abangama-30.
• Ukuba kuthathwa njengento "eyithengekayo," i-inshorensi yonyango enikezelwa ngumqeshi kufuneka ihlawule ubuncinane ama-60 ekhulwini kwiindleko zonyango zempilo, kwaye abasebenzi abanokunyanzeliswa ukuba bahlawule ngaphezu kwe-9,5 ekhulwini lomvuzo wabo wentsapho (phambi kokuncitshiswa kunye nokulungiswa) ukwenzela ukuhanjiswa kwabaqeshi. Umbuzo wendlela umqeshi ekufuneka ukuba azi ngayo inani "yengeniso yentsapho" ayilungiselelwanga.
• Ukuba ishishini lihluleka ukubonelela nayiphi na ingxelo okanye i-coverage ithathwa ukuba ayikwazi ukuhlawuleka, isixa sesohlwayo si-$ 2,000 ngomsebenzi ngamnye, kodwa abasebenzi base-30 bokuqala abafakiwe kwibala.

Isicwangciso sezempilo esincinane esamkelekileyo

Ukuze ugweme isohlwayo esisetyenziswe kumashishini amakhulu, isicwangciso sezempilo ababonelela abasebenzi babo kufuneka sihlangabezane nesimfuno esisemgangathweni esisemgangathweni.

Isebe lezeMpilo leSebe lezeMpilo (HRS), kwi-website yayo yezempilo), ichaza "iphakheji epheleleyo yezinto kunye neenkonzo, ezibizwa ngokuba" zibonelelo zezempilo ezibalulekileyo. "

Iimfuno zokuBika

Abaqashi abakhulu (kunye nabasebenzi abangaphezu kwama-50 kufuneka bafake ingxelo kwiinkonzo zonyango ababonelela ngabasebenzi, banikeze ikopi zombini kwi-IRS nakwabasebenzi kwiirhafu zabo zerhafu. Ingxelo yomqeshwa ngenjongo yokunika abasebenzi ukuba babonise ukuba banempilo yokukhathalela.

Ukufumana ulwazi oluthe xaxa malunga nendlela uMninimzi ojongene noKhathalelo ochaphazelekayo ochaphazela ngayo ishishini lakho elincinci, uye kwiziko lezeMpilo kunye neeNkonzo zoLuntu kwi-Healthcare.gov: https://www.healthcare.gov/