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美国：纳税表决定健康保险补贴
Your 2012 federal income tax return holds special significance this year.
【据www.dallasnews.com消息】今年，你的2012年的纳税申报单会发挥重大的作用。
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.
这是因为这张纳税申报表主要用来决定你是否达到获得联邦援助的资格——购买健康保险——美国国有保险交易所将于明年开放。
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.
这是《联邦平价医疗法案》的一部分内容——将于2014年得以全面执行。大多数美国人都应该购买健康保险，或者面临税务罚款。
The new law provides two forms of federal subsidies to help pay for health insurance provided by the exchanges.
新的法案提供了两种形式的联邦补助，以帮助人们支付交易所所提供的健康保险业务。
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.
每个州都有自己的交易所为购买健康保险的人们直接提供服务，如一个单独的小企业一样的运作。大多数人都是由雇主的计划所蒙蔽，而看不到这一个变化。
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.
这并没有什么差错，每个州都将会设立保险交易所，甚至那些坚决反对卫生保健改革的共和党人领导的各州，如德克萨斯州州长里克•佩里。在德克萨斯州和其他近二十个州，交易所将由联邦政府管辖，不管各州的反对。
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.
补贴的第一种形式将是每月可以享受保险费援助税收抵免——这将会使个人或家庭必须支付的金额有所减少。这项税收减免将会直接送到你的保险公司，并且适用于你的保险费，因此，你自己支付的那部分费用会减少。
“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.”
“你要将按照一定的比例拿出一部份收入作为保险金的一部分，联邦政府将会支付剩余的部分，”布莱恩•海利表示，他是杰克逊•休伊特税务服务部门负责卫生政策的副主席。“你按照比例支付的那一部分将要依据你家庭的规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.
英联邦基金会平民医疗保险部门的副主席莎拉•柯林斯表示，消费者的收入在联邦贫困水平的100%到400%之间将有资格享受税收抵免。这就意味着，个人的收入水平将要在11490美元到45960美元之间,或者一个四口人的家庭的收入将要在23550美元到94200美元之间。
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 来源：天和网 评论(0)
美国的《联邦平价医疗法案》规定，全民要购买健康保险，其中个人缴纳部分要根据本人上一年的纳税表来决定所获得的补贴。
Tags： 美国纳税申报表 健康保险 所得税 责任编辑：曹静伟
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，举例来说，一对夫妇的工资是30000美元，每个月要支付160美元用于保险费；一个收入达到48000美元的三口之家将要支付320美元的保险费。
“The insurance will be free for some people, but this depends on your age and where you live,” he said.
“对于某些人来说，保险项目可能是免费的，但是这要依据你的年龄和住址，”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.
从十月份开始开放登记系统，对于你来说，仔细检查你的申请表是十分重要的，以确保所有的事情都是正确无误的。如果你所填写的收入是不正确的，那么你有可能将要花更多的钱购买保险。
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.
补贴的第二种类型就是限制个人的最大付现成本，对于某些人来说，也会减少其他的成本分担要求，比如自付额，共同保险和共同支付款等。
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.
为了帮助纳税人更加了解他们的纳税申请表将会影响他们的医疗保健成本，税务筹划机构为客户提供了一个免费的个性化审查课程——“卫生保健法律如何影响他们的生活”。
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.
举例来说，这项审查课程将会告诉客户：他们是否有资格获得补贴，他们每个月应缴纳的保险费，或者他们不购买保险的话将要受到的税收罚款。
“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.”
“当我们谈到ACA和许多卫生保健项目实际上是通过税法完成的，大多数消费者将会感到吃惊，”海利表示，“这就使得对税收编制者和税收顾问的教育非常重要了。”
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，税收和医疗保险之间的联系将会使你对纳税申报表的检查显得更加重要。
对于收入水平达到联邦贫困水平的133%的群体，你的保险费将要在你的收入的3%左右徘徊；对于收入水平达到贫困水平300%到400%的群体，你的保险费将会达到收入的9.5%。
