f****a
发帖数: 847 | 1 【 以下文字转载自 Money 讨论区 】
发信人: feliza (山寨王), 信区: Money
标 题: 关于今年报税医疗保险的问题
发信站: BBS 未名空间站 (Thu Mar 19 20:00:43 2015, 美东)
如果我到2014年沒有醫療保險，會怎樣？
美國國稅局會發給您一份有關新法律的提醒通知。您可
能必須付罰款。如果您不購買醫療保險，罰款金額會逐
年上升。
這項法律是否有任何例外情況？
是。有些人如果沒有保險不會被罰款。
如果符合以下情況，您可能不必付罰款：
• 您無法找到費用低於您的家庭收入8%的保險；
• 您是美洲原住民、因宗教信仰反對加入保險者或受監禁
者；或者
• 您的收入很低，但不符合參加任何政府計劃的資格
微整理里一下有关Obamacare的常见问题，希望可以帮到大家。
Obamacare Act (奥巴马医疗保险政策)
问：2014年如无医疗保险的罚款是多少？
答：成人每人$95，小孩每人$47.50 或应纳税收入的1%（罚两者中较高金额），一家庭
最高罚款为$285。 例1：一家3口（爸爸、妈妈加一小孩），2014应纳税收入为$15,000
。按人数算的话，罚款是$237.50($95+$95+$47.50), 按应纳税收入的话，罚款是$150
($15,000*1%)。那这家人的罚款就是$237.50. 例2：一家5口（爸爸、妈妈和3个小孩）
，应纳税收入为$30,000。按家庭人数算的话，罚款是$332.50 ($95+$95+$47.50+$47.
50+$47.50),按应纳税收入计算的话，罚款是$300。那这家人的罚款是$285 (最高罚款
金额)。
问：是不是所有人都要买保险？
答：按照奥巴马医疗保险政策，大多数的人都会需要购买或申请医疗保险。但在8种情
况下，个人可豁免，不需要有医疗保险。
问：那在哪8种情况下可以豁免没有保险而不被罚款？
答：1. 获取医疗保险会违背宗教信仰者 2. 美国联邦政府认可的印第安人部落。 3.
家庭年收入低于联邦贫穷线者。 4. 正在处于监禁者（如正在坐牢者）。 5. 保险的保
费多于家庭收入的百份之8以上。 6. 家庭情况困难者（如无家可归，露宿者，过去6个
月内申请破产、近亲在进6个月内过世） 7. 非法移民 8. 无保险少于3个月。
现在问题来了，如果自己是自雇。如何买医疗保险省钱划算？ | f****a
发帖数: 847 | 2 The Internal Revenue Service was created in 1913 with the passage of the
16th Amendment. It is the government agency responsible for the collection
of all income tax. Prior to the 16th Amendment, a tax on income was
explicitly illegal as set forth in the Constitution. There was a brief time
during the Civil War that the government imposed an income tax on the people
, but it was later shut down in court as being unconstitutional. In the
early days of the IRS, the new income tax was intended to only affect a
small percentage of the population, primarily very wealthy individuals who
made their money investing or in financial transactions. "Income" up until
this point was defined that way.
The IRS and the Income Tax were never supposed to tax money earned from your
labor. It was sold to the people as a tax that would only target what we
would consider capital gains today, and then only the capital gains of the
very rich. Since its inception, the income tax has gone from a tax of about
3% on the financial gains of the very wealthiest peoples, to now a top
bracket of 35% that ensnares much of the population. And that is just the
federal tax. States also tax income, and tax us they do.
The IRS codes and rules are so complicated that abuses run wild. I ask you
is it right to have to hire a team of professionals just to figure out your
taxes? Is it right for the IRS to be able to turn your life upside down with
an audit because they want to make sure you really have that home office
you wrote off? The IRS is intentionally complicated and on their own record
state that they use fear and intimidation in order to make people comply. In
the least, the IRS can be used to turn honest people into cheats, at worst,
people go to jail at the point of a financial gun. Much more can be said
about the IRS, but what says it all is a poll taken of Americans who were
asked which is the most feared agency in the government. The overwhelming
answer: the IRS | f****a
发帖数: 847 | 3 If you didn’t have coverage in 2014, you’ll pay the higher of these two
amounts:
1% of your yearly household income. (Only the amount of income above the
tax filing threshold, about $10,000 for an individual, is used to calculate
the penalty.) The maximum penalty is the national average premium for a
bronze plan.
$95 per person for the year ($47.50 per child under 18). The maximum
penalty per family using this method is $285.
Most families here probably have to pay 1% of your yearly household income
for the penalty if you did not buy insurance in 2014. | f****a
发帖数: 847 | 4 引自
https://www.healthcare.gov/fees-exemptions/fee-for-not-being-covered/
The fee for not having coverage in 2014
If you didn’t have coverage in 2014, you’ll pay the higher of these two
amounts:
1% of your yearly household income. (Only the amount of income above the tax
filing threshold, about $10,000 for an individual, is used to calculate the
penalty.) The maximum penalty is the national average premium for a bronze
plan.
$95 per person for the year ($47.50 per child under 18). The maximum penalty
per family using this method is $285.
家庭收入1%和$285两者选最高的那个，所以如果你家庭收入>$28,500的话所交罚款就大
于$285了，15万AGI（不清楚是不是用AGI算的）要罚$1500,2015 tax year要罚$3000,
2016年度要罚$3750 | f****a
发帖数: 847 | 5 多谢大家的建议,我认为还是不要因为百来块美金惹来大麻烦。Irs 和 state 的
agencies 都有接触过, 也听过很多horror stories都是真人真事, 咱们华人在美国不
管是什么身份..公民绿卡,都还是外人。二等公民,政府惹不起,躲不起。有时只有从了,
谁要咱要赖在人家这呢。 甚至都有很多土生土长的老白认为irs 是
unconstitutional . 本来个人所得工资不属于revenue (公司盈利)
以前只有商人公司需要赋税, 对劳工的工资(劳动所得)是不需要缴税的。 后来great
depression 大萧条后, 有几大控制美国的elite group 大财团改变了游戏 规则,当时
洛克飞勒就是其中一位。现在普通百姓人人都得交所得税。
但是还是有很多有种的白人敢跟irs斗。说这些制度和机构违宪。违背了founding
father 建国先贤们的制国纲领。拒付个人所得税。irs 不是为美国人民谋福祉为
公众 服务的机构。它们和federal reserve 按理说都是凌驾于法律之上的富人的游戏
工具。 | f****a
发帖数: 847 | 6 A little background history of income tax and corrupt system.
Woodrow Wilson was elected President in 1913, beating incumbent William
Howard Taft, who had vowed to veto legislation establishing a central bank.
One year earlier, in 1912, Wilson was brought to Democratic Party
headquarters by Bernard Baruch, a conspiring banker mogul. Here Wilson
agreed to a deal with the devils in exchange for political and financial
support from the Rockefeller-Morgan bankers. Wilson swore in secret that if
elected President, he would support the banker's Federal Reserve scam and
push for the first ever progressive income tax on the American people.
To divide the Republican vote and elect this relatively unknown Wilson, J.P.
Morgan and Rockefeller bankers played both sides of the election battle and
poured money into the candidacy of Teddy Roosevelt and his Progressive
Party to pave the way for Wilson's ticket to win. These sophisticated
political maneuverings were unknown to our great grandparents, but today we
are beginning to wake up to the truth.
Once elected, President Wilson obeyed his dark masters and enacted
unprecedented changes to our great Constitution. In that single year of 1913
, President Wilson signed the Federal Reserve Act and the Revenue Act of
1913, chaining all future Americans to the dual horrors of the FED and the
IRS. In order to make these acts binding and appear legitimate to Americans,
President Wilson pushed through congress two Constitutional Amendments: the
16th and 17th Amendments. These two amendments remain in our Constitution
like a malignant cancer destroying the once healthy body of our great nation
. The year 1913 stands as the year that America changed forever and the
seminal year in Federal Reserve history. It is time to repeal these
amendments, and right the wrongs that Wilson did to our great nation.
President Wilson knew what he did was wrong. After serving the dark forces,
he would later lament in his diary, "I have unwittingly ruined my country."
Wilson also broke his campaign promises and took America into WW1, and later
the failed League of Nations. Wilson shows us a revelation that Americans
must guard against elected officials who guide us into unrighteous wars and
desire to establish entangling international systems of rules, organizations
and government.
Key Quote: "I am a most unhappy man. I have unwittingly ruined my country. A
great industrial nation is controlled by its system of credit... all our
activities are in the hands of a few men. We have come to be one of the
worst ruled, one of the most completely controlled and dominated Governments
in the civilized world, no longer a Government by free opinion, no longer a
Government by conviction and the vote of the majority, but a Government by
the opinion and duress of a small group of dominant men." | f****a
发帖数: 847 | 7 大家都知道当初美国独立建国就是因为要拒绝和抵抗殖民宗主国的统治,压迫和赋税。
立国之本,宪法本
保护美国人不被乱增税和限制政府的权利。因为建国先贤和美国人民都是痛恨和排斥剥
削不公平奴役人民的政府的。
结果先贤们仙逝后,他们万万都没想到他们用心血生命换来的立国之本的根基也早已被
挖空和篡改。一小撮corrupt的歼商资本家和他们的傀儡政治家把美国挖得就剩下空壳
。这个卖给我们的american dream , freedom liberty, democracy 都是海市蜃楼,蛊
惑人心的迷天大幌。 |
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