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上善若水 厚德載物
美國：納稅表決定健康保險補貼
Your 2012 federal income tax return holds special significance this year.
【據www.dallasnews.com消息】今年，你的2012年的納稅申報單會發揮重大的作用。
That’s because the return will be the main tool used to determine whether you’re eligible for federal assistance to buy health insurance through state-based insurance exchanges that will open next year.
這是因為這張納稅申報表主要用來決定你是否達到獲得聯邦援助的資格——購買健康保險——美國國有保險交易所將於明年開放。
This is all part of the federal Affordable Care Act, which takes full effect in 2014. Most Americans will be required to buy health insurance or face a tax penalty.
這是《聯邦平價醫療法案》的一部分內容——將於2014年得以全麵執行。大多數美國人都應該購買健康保險，或者麵臨稅務罰款。
The new law provides two forms of federal subsidies to help pay for health insurance provided by the exchanges.
新的法案提供了兩種形式的聯邦補助，以幫助人們支付交易所所提供的健康保險業務。
Each state will have its own exchange serving people who buy their health insurance directly, as well as a separate one for small businesses. The vast majority of people now covered by employer plans will not see a change.
每個州都有自己的交易所為購買健康保險的人們直接提供服務，如一個單獨的小企業一樣的運作。大多數人都是由雇主的計劃所蒙蔽，而看不到這一個變化。
And make no mistake, the insurance exchanges are coming to every state, even those led by staunch GOP opponents of the health care overhaul, such as Texas Gov. Rick Perry. In Texas and almost 20 other states, the exchanges will be operated by the federal government, over state opposition.
這並沒有什麽差錯，每個州都將會設立保險交易所，甚至那些堅決反對衛生保健改革的共和黨人領導的各州，如德克薩斯州州長裏克•佩裏。在德克薩斯州和其他近二十個州，交易所將由聯邦政府管轄，不管各州的反對。
The first type of subsidy offered will be a monthly premium assistance tax credit that will lower the amount an individual or family must pay. The tax credit will be sent directly to your insurance company and applied to your premium, so you pay less out of your own pocket.
補貼的第一種形式將是每月可以享受保險費援助稅收抵免——這將會使個人或家庭必須支付的金額有所減少。這項稅收減免將會直接送到你的保險公司，並且適用於你的保險費，因此，你自己支付的那部分費用會減少。
“You will pay a percentage of your income as your share of the premium, and the federal government will pay the rest,” said Brian Haile, senior vice president for health policy at Jackson Hewitt Tax Service. “The percentage that you pay will depend on your household size and your income.”
“你要將按照一定的比例拿出一部份收入作為保險金的一部分，聯邦政府將會支付剩餘的部分，”布萊恩•海利表示，他是傑克遜•休伊特稅務服務部門負責衛生政策的副主席。“你按照比例支付的那一部分將要依據你家庭的規模和你自己的收入水平。”
Sara Collins, vice president of Affordable Health Insurance at the Commonwealth Fund, said consumers will be eligible for tax credits if their income is between 100 and 400 percent of the federal poverty level. That would be $11,490 to $45,960 for an individual or $23,550 to $94,200 for a family of four.
英聯邦基金會平民醫療保險部門的副主席莎拉•柯林斯表示，消費者的收入在聯邦貧困水平的100%到400%之間將有資格享受稅收抵免。這就意味著，個人的收入水平將要在11490美元到45960美元之間,或者一個四口人的家庭的收入將要在23550美元到94200美元之間。
Your premium would range from 3 percent of your income for people with incomes at 133 percent of the federal poverty level to 9.5 percent of your income for consumers whose income is between 300 and 400 percent of the poverty level.
2013-03-05 08:56 來源：天和網 評論(0)
美國的《聯邦平價醫療法案》規定，全民要購買健康保險，其中個人繳納部分要根據本人上一年的納稅表來決定所獲得的補貼。
Tags： 美國納稅申報表 健康保險 所得稅 責任編輯：曹靜偉
For example, a couple making $30,000 would pay about $160 per month for insurance, and a family of three making $48,000 would pay about $320 for insurance, Haile said.
海利表示，舉例來說，一對夫婦的工資是30000美元，每個月要支付160美元用於保險費；一個收入達到48000美元的三口之家將要支付320美元的保險費。
“The insurance will be free for some people, but this depends on your age and where you live,” he said.
“對於某些人來說，保險項目可能是免費的，但是這要依據你的年齡和住址，”他表示。
When open enrollment starts in October, it’s important to double-check your application to make sure everything is accurate. If the amount of income you report isn’t accurate, you may end up paying more for insurance.
從十月份開始開放登記係統，對於你來說，仔細檢查你的申請表是十分重要的，以確保所有的事情都是正確無誤的。如果你所填寫的收入是不正確的，那麽你有可能將要花更多的錢購買保險。
The second type of subsidy will limit a person’s maximum out-of-pocket costs, and for some it will also reduce other cost-sharing requirements, such as deductibles, co-insurance and co-payments.
補貼的第二種類型就是限製個人的最大付現成本，對於某些人來說，也會減少其他的成本分擔要求，比如自付額，共同保險和共同支付款等。
To help taxpayers become more informed about how their tax return will affect their health care costs, H&R Block is providing clients with a free personalized review of how the health care law would impact them.
為了幫助納稅人更加了解他們的納稅申請表將會影響他們的醫療保健成本，稅務籌劃機構為客戶提供了一個免費的個性化審查課程——“衛生保健法律如何影響他們的生活”。
For example, the review tells clients whether they’re eligible for a subsidy and their estimated monthly insurance premium and their potential tax penalty if they don’t buy health coverage.
舉例來說，這項審查課程將會告訴客戶：他們是否有資格獲得補貼，他們每個月應繳納的保險費，或者他們不購買保險的話將要受到的稅收罰款。
“When we talk about the ACA and the fact that many of the main health care programs are actually done through the tax code, many consumers find that to be a surprise,” Haile said. “That makes it a really important educational effort on the part of tax preparers and tax advisers.”
“當我們談到ACA和許多衛生保健項目實際上是通過稅法完成的，大多數消費者將會感到吃驚，”海利表示，“這就使得對稅收編製者和稅收顧問的教育非常重要了。”
The link between your taxes and health care coverage makes it even more critical that you check your math on your tax return this year.
今年，稅收和醫療保險之間的聯係將會使你對納稅申報表的檢查顯得更加重要。
對於收入水平達到聯邦貧困水平的133%的群體，你的保險費將要在你的收入的3%左右徘徊；對於收入水平達到貧困水平300%到400%的群體，你的保險費將會達到收入的9.5%。
