Nā kumuhana
ʻO kaʻauhauʻauhauʻauhauʻupena he 3.8 pakeneka ka nui ma ka'āpana o kāu kālā i hoʻololiʻia i hoʻoiliʻia ma luna o kekahi paepae: $ 200,000 inā he hoʻokahiʻoe, $ 250,000 inā ua hoʻopaʻaʻiaʻoe ma ka hui a $ 125,000 inā hoʻokaʻawaleʻiaʻoe ma ke keʻena.
ʻAʻole i helu inoaʻia kēia mau kumukūʻai no ka hoʻonuiʻana,ʻo ia hoʻi,ʻaʻole lākou e hoʻonui ke hikiʻole i ka'aha'ōlelo ke hoʻololi hou iā lākou ma o ke kānāwai hou.
Akā, aia kahi iʻa, a hiki ke hana i kou makemake. Inā he emi ka waihona kālā o kāuʻupena ma mua o ka hapa o kāu MAGI ma luna o kēia mau kumukū, e ukuʻoe i 3.8 pakeneka o kēia.
Aʻo ia, he "surtax" keʻano o ka hoʻonuiʻana,ʻoi aku aʻoi aʻe ma luna o kāu 'auhau auhau kālā. Ua hala aʻoi aku hoʻi ma luna o nā mea āu i uku ai i Medicare ma o kaʻauʻaʻana i kāu kālā loaʻa a iʻole ka ukuʻauhau i manaʻoʻia. Akā, ke kuleana wale neiʻoe inā loaʻa iāʻoeʻelua kālā loaʻa kālā a me kāu MAGIʻoi aʻe ma kēia paepae.
Ka Hanana Hōʻike
Ua hoʻoliloʻia kaʻauhauʻauhau waihona kālā ma keʻano he lālā o ke Keʻena Ola Ola a me ka Hoʻonaʻauao o 2010,ʻo ia, me ka Law Affordable Care Act, hoʻololi i ka mākaʻi mālama ola ma ka makemakeʻana i nā kānaka e loaʻa kaʻinikua mālama ola a iʻole e uku i kaʻauhauʻauhau.
Ua hoʻokomoʻia kēiaʻauhau ma keʻano he mea loaʻa kālā e hoʻohui nei ma ia kānāwai. ʻO kaʻaha hui o nāʻauhauʻauhau i hoʻoholoʻia me kaʻauhau'ānamai'ē aʻe ,ʻo ka uku kālāʻauhau kālā kālepa e loaʻa he $ 20.5 biliona hou i nā kālāʻauhau i ka makahiki 2013,ʻo ka makahiki mua e hoʻokōʻia ai ka huakaʻi.
ʻO ka hui kūkā o nāʻauhauʻauhau e hoʻonuiʻia he $ 210.2 piliona i nā kālāʻauhau ma ka makahiki 10 mai 2019 a hiki i ka 2019.
Ke helu nei i kaʻauhauʻauhau kālā no nā kānaka hoʻokahi
Eia ka pehea e hoʻomaopopo ai i ka nui o kāu aie, inā he mea. ʻO ka mua, e helu i kāu MAGI. E hoʻomaka me kāu kālā i hōʻiliʻiliʻia, e hōʻikeʻia ma ka laina 37 o kāu Form 1040. E hoʻohui hou i kekahi o nā unuhi i laweʻia e hōʻea i kēia helu, e like me:
- ʻO ka uku kālā haumāna, nā kālā hoʻonaʻauao kūikawā, a me ka unuhiʻana i nā haʻawina a me nā uku
- ʻO ka unuhiʻana no ka hapalua o kāuʻauhauʻoihana hana
- Nā hoʻolako IRA
- Ukuʻauhau mālama ola
- ʻO nā lilo i uku
- ʻO ka poho palekana a me ka loaʻa kālā palekana
- Hoʻololi i nā lilo i ka hoʻoneʻe
- ʻO ka loaʻaʻana o ka uku pilikino mālama kālā
- Ua halaʻo ia mai kahi hana pāʻoihana lehulehu
ʻO kēia kāu kālā kālā i hoʻololiʻia i hoʻololiʻia. I kēia manawa, hoʻohālikelikeʻia i kāu kālā loaʻa kālā no ka makahiki. Loaʻa kēia i nā mea i loaʻa iāʻoe mai nā hoʻohui waiwai likeʻole me nā dālā, nā kāmeʻa, nā kālā likeʻole, nā makahiki, nā uku, nā uku hoʻolimalima, a me ka ukupanee ma nā loina āu i hoʻonui ai i kekahi.
Lawe pū ia me ka waiwai i laweʻia mai kahiʻoihana aʻoihana paha i loaʻa ka loaʻaʻana o ka loaʻa kālā, ka loaʻa mai i kahiʻoihana waiwai kālepa waiwai kālepa, a me nā waiwai waiwai'ē aʻe, koe nā waiwai i loaʻa i kaʻoihana aʻoihana paha.
Hiki iāʻoe ke unuhi i kāu mau hoʻolālā mai ka huina - nā koina āu i mālama ai no ka mālamaʻana i kēia mau kālā, e like me nā uku hōʻai'ē a me nā uku hoʻolimalima kālā. ʻO nā hoʻoemi'ē aʻe i hiki ke hōʻemi i ke kālā no ka loaʻaʻana o nāʻupena kālā ma:
- ʻO nā hoʻowalewale pili i ka hoʻolimalimaʻana i nā uku a me nā kālā aliʻi
- ʻO nā hoʻopauʻana i pili i ka hoʻonuiʻana i ka loaʻa kālā
- ʻO ka hoʻopaʻi ma ka wehe kokeʻiaʻana o ka waihona
- Nā uku hoʻolimalima kālā
- Nā hoʻonui kālā kālā
- ʻO ka hapa o kaʻauhau kālā kālā e pili ana i ka loaʻa kālā kālā
- ʻO nā pohō a me nā lilohue i pili i ka waiwai i kūʻaiʻia aiʻole i hoʻokuʻuʻia.
Ua komo kekahi o kēia mau wehewaleʻana i nā huina kālā kālā kālā. ʻO ka loaʻa kālā o ka uku , nā kālā aliʻi, nā waiwaiʻoihana, a me nā kālā kālā kālā ma ka pūnaewele, e lilo i ka nui o ka loaʻa kālā ma hope o ka unuhiʻana a me nā poho.
Akā,ʻaʻole i hoʻokomoʻia nā unuhi'ē aʻe ma kēia mau huapalapala pūnaewele, no laila, e hoʻokaʻawaleʻia lākou i ka loaʻa kālā kālā e hiki ai i ka loaʻa kālā loaʻa kālā. ʻO kēia hoʻokaʻawaleʻokoʻa i loko o ka weheʻana o ka hoʻopakele, ka uku hoʻopiʻi, nā lilo hoʻolimalima, kaʻauhau kālā a ka moku'āina i hoʻokaʻawaleʻia i nā kālā kālā kālā, a me nā lilo pohō e pili ana i ka waiwai waiwai.
ʻO nāʻauhauʻauhau e hoʻokomo nei i nā hui kū i waho o nā aupuni'ē aʻe a me nā hui komo kālā'ē aʻe e pono ana e hoʻololi hou i kā lākou mau uku pilina i hoʻololiʻia. Inā loaʻa iāʻoe kekahi kālā mai kēia mau kumuhana a hiki i kāu MAGIʻoi aʻe i ka paepae no kāu hoʻonohonohoʻana, hiki paha iāʻoe ke kūkākūkā me kekahi mea kālepa kālā e hōʻoiaʻoe e loaʻa kāu pololei koho.
ʻO kaʻauhauʻauhau waihona kālā hōʻailona ma muli o ka hapaʻuʻuku o kāu kālā kālā hoʻoili waiwai a iʻole ka'āpana o kāu MAGIʻoi aʻe i nā paepae: $ 200,000, $ 250,000 a $ 125,000 paha. E hoʻonui i kēlā helu ma 3.8 pakeneka.
ʻO wai ka mea i pili i kaʻauhauʻauhau kālā o Net Net
Hoʻonuiʻia kaʻauhauʻauhau kālā kālā ma nā'āina a me nā hilinaʻi a me nā kānaka. No nā kānaka pākahi, pili kēia i nā poʻeʻAmelika a me nā haole'ē aʻe. ʻAʻole pili kēia i nā malihini'ē aʻe keʻole e kohoʻia kēlā mea e mālamaʻia e like me he mea noho i ka US no nāʻauhauʻauhau.
ʻO kaʻauhauʻauhau kālā kālepa e pili ana i nā'āina a me ka hilinaʻiʻana i ka manawa iʻoi aku ka nui o ka loaʻaʻana o ka waiwai o ka waiwai a me ka hilinaʻi i ka makahiki i ka hoʻomakaʻana o kaʻauhauʻauhau kiʻekiʻe loa.
Kahi e hele ai nāʻauhauʻauhau
ʻO ka inoa kūlana o kaʻauhau kālā kālepa hōʻailonaʻo ia ka "Tax Debt Medicare Tax Contribution." Hōʻike kēia i ka loaʻaʻana o nāʻauhau kālā no ka ukuʻana i Medicare, akā,ʻo ka uku i loaʻa i kēiaʻauhau e komo maoli ana i loko o ka Pūʻulu Lahui a ka lehulehu. I loko o kā lākou hōʻuluʻuluʻana o ka hōʻailona Medicare hou, ua hōʻikeʻia e ka Hui Hui Kūkā o ka Auhau "ʻaʻole i hāʻawiʻia no ka hoʻololiʻana i kaʻauhau i hāʻawiʻia e kēia waihona mai ka Moku'āina Nui o kaʻAmelika Hui PūʻIa i kekahi Pūnaewele Trust."
I loko o kāna preamble i nā rula, ua'ōlelo aku ka IRS, "ʻAʻole i kohoʻia nā'āpana i hōʻiliʻiliʻia ma lalo o ka paukū 1411 no ka Waihona Trust Medicare." ʻO kaʻauhauʻauhauʻauhau waihona kālā,ʻo ia ka'ōlelo i hoʻohanaʻia e IRS ma kahi puka kālā 8960, he inoa maikaʻi loa no kēiaʻauhau.