Kuchinja Muvashandi Mutemo, Mari Kwemari, Kuburitswa Kwevashandi
Zvigadziro zvebhizimisi zvinoenderana nebasa guru; ndiko kuti, pane nhamba yevashandi. . . Saka chii chaunoshandira mukuru kumudzimai muduku?
Kusarudza Nhamba Yevashandi
Zvinonzwika zviri nyore, asi zvechokwadi ne IRS hapana chiri nyore. Kuti uone kuti ACA ichaita sei bhizinesi rako, unofanira kutanga uverenga nhamba yevashandi, yakatsanangurwa pasi apa. Unofanirwawo kuongorora nhamba yevashandi gore rapera (2014, munyaya ino) uye gore rino (2015).
Pasinei nokuti yakasimba here kana yakakura yeOmbamacare inobva pane yevashandi venguva yakazara yakafanana (FTE). Haisi uwandu hwevashandi venguva yakazara, nokuti iwe unogona kuva nevamwe vashandi vanoshanda nguva yakazara uye vamwe vasina. Kutanga, inofanira kusarudza nhamba yevashandi kuburikidza nekushandisa kuverenga kwehuwandu hwenguva yakazara.
Iye zvino zvawaverenga nhamba yeFTE, unogona kusarudza kana uri mudiki kana mushandi mukuru.
Small Employers
Mushandi muduku, nokuda kweAACA, ibhizinesi rine vashoma vanopfuura 50 FTE vashandi. Kana iwe uri mudiki muduku, bhizimisi rako harifaniri kutenderana neArayer Shared Responsibility provisions, uye iwe unogona kunge wakakodzerwa nekambani yekambani yehutano yekutengesa mutero.
Vakakura Vashandi
Nechinangwa cheAACA, anoshandira ane 50 kana kupfuura FTE inonzi inoshandiswa mubasa guru (ALE). Vashandi vepamusoro vanofanirwa kutevedzera Murairo weVaShared Responsibility provisions, vanotsanangurwa pasi apa, uye vanofanira kuudza vashandi nezvehutano hwehutano.
Chirongwa cheAACA Zvigadziriswa, neMushandi Wekukura (kubva kune IRS)
Vashandi ne:
- Vashoma vanopfuura 25 vashandi vakaenzana venguva yakazara vangave vakakodzerwa neBusiness Business Care Care Tax Credit kuti vabatsire kubhadhara mari yekugovera. Verenga zvakawanda pamusoro pekuti bhizimusi rako ringakwanisa sei kuwanikwa neBusiness Small Care Care Tax Credit.
- Kazhinji vashandi makumi mashanu kana vashoma vangave vakakodzera kutenga kugoverwa kuburikidza neBusiness Business Options Program (SHOP), kuburikidza nehutano hwekugoverana kwehutano.
- 50 kana kupfuura vanoshanda venguva yakazara vashandi vachada kuisa gore renhoroondo rekudzoka kwehupfumi kuudza uye kuti ndeypi inshuwarisi yehutano iyo yavakapa vashandi.
Mushandi weMatendi uye Mubhizimisi Mutoro Wekugoverana
Chekutanga ACA chirongwa icho zvino chiri kushanda chiri maererano neHurumende yeSvondo Shared Responsibility (ESR) .
Vakuru vashandi (avo vane 50 kana kupfuura vanoshanda venguva yakazara yakaenzana) vanofanira kupa rubatsiro rwehutano hwehutano kune vashandi vane nguva yakazara, maawa makumi matatu nevhiki, muvhareji. Vashandi vasingapei kugoverwa vanofanira kubhadhara zvakanaka.
Vashandi vasingatauri kuparidzira kusvika ku70% yevashandi venguva yakazara vanofanira kubhadhara mari yakanaka. Muna 2016, kugoverwa kunofanira kupiwa ku 95% yevashandi, uye chakanaka chiripamusoro.
Vashandi vanofanirawo kupa "kutengesa" kuparidzira kune ava vashandi. Kana kushambadzira kusingasviki nekugadzirisa kuongororwa, mubhadhari anofanira kubhadhara mubhadharo kune umwe neumwe mushandi wenguva yakazara uyo anowana chikwereti chemutero nokuda kwekutenga kugoverwa pakugoverana. Kuvharidzirwa kunonzi "inotengesa" kana mushandi anozvipira iye pachake haasi anopfuura 9.56% yemari. Chirongwa ichi chinofanirawo kubhadhara zvinenge 60% yemari yehutano hwehutano.
Mushandi Anopupurira Vashandi Vese
Vashandi vanofanira kutanga kutora inshurensi yevashandi yemunharaunda yegore ra2015 uye vanoriparidza nezvemashoko aya muna 2016. Izvozvi, mumwe nomumwe mushandirwi anofanira kupa ruzivo rwuri kuratidza hutano hwehutano hwevashandi, kusanganisira kana muridzi wehupi achipa kugoverwa uye kana mushandi akagamuchira kana kuramba, kuitira kuti vashandi avo vanosarudza kusabhadhara inishuwarenzi yehutano inogona kubhadharwa.
Iyo mitsara ichadikanwa kutanga munaJanuary 2016, yegore ra2015 uye ichapedzwa kuburikidza neFomu 1095-C.
IRS Information pamusoro peChinakidza Care Care Act
Kuti uwane mamwe mashoko pamusoro pekukanganisa kwehukuru hweboka hwevashandi pahutano hwehutano, ona iyi peji yeURS yepaIndableable Care Act Zvigadziriswa zveVashandi, izvo zvinotsanangura kuti zvipi zvinogadziriswa kune vashandi vaduku.