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2018年の健康保険
- #1
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- ユーカリ
- 2017/11/15 13:13
高すぎる。
夫婦二人で年収$65K超えだとタックスクレジットが付かないようで厳しいよ。
有益な情報を交換しましょう。
- #2
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確認したいのですが、世帯収入として$65K超えですか?それとも旦那様も奥様もそれぞれ$65K以上で二人合わせて世帯収入として$130K超えですか?
- #3
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共和党のオバマケアつぶしも失敗におわったので来年はしょうがないです。 生活ぎりぎりの収入でもクレディットも出ず大変ですわ。 年収がボーダーラインをこえてもクレディットをもらうトリックはあるものの、あまりお勧めはできません。 早く65歳になってメディケアに入るのを待つばかり。
- #4
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- ユーカリ
- 2017/11/16 (Thu) 16:13
- Report
#2 すみませんさん、
夫婦二人 子供は独立(家内は専業主婦)の世帯総収入で$65K以上です。
タックスクレジットが付かなければ、夫婦二人の一番安いプランで月$850で、
Co Pay $75
Deductible ファミリーで$16300だったかな?
$62K~$64Kで見積もりすると4分の1くらいに保険料が下がるのですが、
フリーランスで自営業なので来年の収入がいくらになるのか分からないのも頭を悩ませる原因です。
ちなみに今年は約$80Kとなりそうです。
年収を安く見積もってアプライしても、来年度末に$65K越えのインカムがあったら結局高い保険料(ペナルティー)を払わなければいけません。
- #5
-
- ユーカリ
- 2017/11/16 (Thu) 16:18
- Report
#3 逃亡者さん、
トリックの話は色々聞きますが、ばれた時の処遇が怖いですね。
アメリカ人でさえ頭を抱えているこの問題、大きな社会現象となって改善されないですかね?
65歳まではまだまだ遠いです、かと言って無保険では心もとないですね。
- #6
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トリックというのはまったく合法的な方法です。システム自体が変にできていて、収入が思ったより多くなってタックスリターンの時に保険金払い戻しをしなくていけなくなる場合(これをペナルティーと思ってる人もいますが)意外と少額になったりします。会計士さんもTaxソフトに情報を入れるだけで結果が出るのであまりよくしらないとは思いますが。自分でタックスリターンをすればわかります。 来年はカバレージも下がり、保険金はぐっと上がりますが、これはこの15年ほどずっと続いています。
Posting period for “ 2018年の健康保険 ” has been closed.
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