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Announcement 最新公告

報稅季已來臨,健康保險如何影響我的報稅  02/24/2017

 今年報稅時,您將需要一同準備好您2016年的健康保險計畫方案根據您的保險方案會有不同的報稅步驟。以下是常見的情況:
1. 透過健康保險交易市場(Health Insurance Marketplace or Exchange)購買保險方案:

您將會收到1095-A表,或是可以在您的Healthcare.gov 帳號中下載 (請點選2016年的申請表,而非2017的申請表)。

當收到1095-A表格時,請確認表上的資料都正確,例如保險開始與結束的日期、保險方案、及您的家庭人口數。若您發現表格上的資料有錯誤,請聯繫健康保險交易市場24小時免費客服專線1-800-318-2596 (TTY: 1-855-889-4325)或與亞美健康關懷服務聯絡469-358-7239 *請確認您有正確的1095-A表再開始稅。

如果您透過健康保險交易市場購買保險方案,並獲得降低保費的稅務優惠降低月費(Marketplace plan WITH premium tax credits): 您必須提交8962表,並與稅務優惠對帳調節(reconcile)也就是說您需要比對去年的最終收入和您當初申請時所填入的收入金額是否有差異,因為當初申請時的全年收入是預估的然後使用1095-A的資訊填入8962表,並在提交聯邦所得稅申請表時附上8962表,而不是附上1095-A。

– 您實際符合的稅務優惠與申請時有差異,那您的退稅金額將會多退少補
– 若您沒有提交納稅申報表以及沒有與稅務優惠對帳調節,將來您將不會有稅務補助的資格。

如果您透過健康保險交易市場購買保險方案,但是並未獲得降低保費的稅務優惠降低月費(Marketplace plan WITHOUT premium tax credits):建議您還是再和對一次您全家的收入及人口數,因為您可能仍有資格獲得稅務優惠若您不符合或是沒有申請您的1095-A表單在Part lll, 欄C的地方應該會是0,您不用填8962表,只要將1095-A的表格存檔即可。若您想再次確認是否有符合稅務優惠資格,請瀏覽HealthCare.gov/tax-tool

2. 通過工作、小型雇主健康保險方案(Small Business Health Options Program (SHOP))或是其他管道(Medicare, Medicaid, the Childrens Health Insurance Program (CHIP))獲得健康保險:                                                                               

若您通過工作取得保險,您將會收到雇主或是保險公司給的表格1095-B或是表格1095-C。

若您通過其他管道獲得健康保險, 您將會收到政府部門寄出的表格1095-B或是表格1095-C。

只需要在報稅表上勾選”全年涵蓋(Full-year coverage)”,在報稅時您將不需要附上表格1095-B或是表格1095-C,只要自行存檔即可,因此您不需要等到拿到表格才能開始報稅。

3. 您沒有健康保險:                                                                                                 

若您在2016年中有幾個月,或是全年都沒有健康保險,您可以查看是否符合豁免的資格。否則,在您提交聯邦所得稅時,您將需要支付一定的罰款費用 (一般稱作”penalty,” “fine,” 或 “individual mandate.”)罰款費用成人$695,小孩(未滿18歲) $347.5,或2.5%的家庭收入(取較高者)。若您只有部分月份沒有保險,則罰款只會計算沒有保險的月份。若欲估計您的罰款費用,請瀏覽https://taxpayeradvocate.irs.gov/estimator/isrp/

 

欲了解更多信息:

瀏覽HealthCare.gov/taxes ,或是撥打健康保險交易市場專線1-800-318-2596 (聽和說有障礙的用戶 TTY users,請撥打 1-855-889-4325) 或與亞美健康關懷服務聯絡469-358-7239.

一般通過健康保險交易市場購買保險的人,可以獲得國稅局(I RS) 提供的免費的報稅協助,包含報稅軟體的的免費使用或是現場人員協助。欲了解更多信息請參考IRS.gov/freefile or IRS.gov/VITA.

若您有關於稅的問題,請參考IRS.gov

本文資料來自: Healthcare.gov

 

2016 health coverage & your federal taxes

Choose your 2016 health coverage status for step-by-step directions & tax forms.

  1. If you had a Marketplace plan with premium tax credits:
  • Find your Form 1095-A, Health Insurance Marketplace Statement.
  • Make sure your 1095-A is correct — and if not, call 1-800-318-2596 (TTY: 1-855-889-4325.)
  • Fill out Form 8962 to “reconcile”.
  • Attach Form 8962 when you file your federal income tax return. But do not attach your 1095-A to your return. Keep it with your other tax documents.
  1. If you had a Marketplace plan without premium tax credits:
  • Get your Form 1095-A, Health Insurance Marketplace Statement.
  • Make sure your 1095-A is correct — and if not, call 1-800-318-2596 (TTY: 1-855-889-4325.)
  • If you paid full price and are sure you don’t qualify for a premium tax credit – You don’t have to fill out or include Form 8962, Premium Tax Credit, when you file your federal taxes.
  • If you paid full price and want to see if you qualify for a premium tax credit based on your final 2016 income – Use the Health Coverage Tax Tool to find the premium for the second lowest cost Silver plan (SLCSP) that applied to you for 2016. (If you paid full price, this information won’t appear on your 1095-A.)
  1. If you had job-based health coverage:
  • You should have Form 1095-B or Form 1095-C by mid-March.
  • Complete your tax return – If you and your dependents were covered by job-based health insurance for all months of 2016: Check the“Full-year coverage”box on your federal income tax form.
  • Don’t delay filing your taxes only because you didn’t get Form 1095-B or 1095-C.
  • If you got Form 1095-B or 1095-C, don’t include it with your tax return. Save it along with your other tax documents.
  1. If you had other health coverage:
  • If you had coverage through Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), or another source. Depending on the coverage you had, you may get Form 1095-B, Health Coverage, to help you complete your taxes.
  • If you receive Form 1095-B – You should have it by mid-March.
  • Read Parts III and IV to find information about: Your 2016 insurance coverage; Covered individuals and the months they had coverage
  • If you got Form 1095-B or 1095-C, don’t include it with your tax return. Save it along with your other tax documents.
  1. If you had no health coverage:
  • If you weren’t enrolled in qualifying health coverage for all or part of 2016, you must either claim a health coverage exemption or pay a fee with your federal income tax return.
  • You will NOT get Form 1095-A unless you or someone in your household had Marketplace coverage for all or part of 2016.
  • If you didn’t have health coverage for only 1 or 2 consecutive months of the year, you may not have to pay the fee.
  • Exemptions are available based on a number of situations, including certain hardships, some life events, health coverage or financial status, and membership in some groups.
  • See if any 2016 exemptions work for you by visiting https://www.healthcare.gov/exemptions-tool/#/
  • The penalty for 2016 is 2.5% of your household income or $695 per adult ($347.50 per child), whichever is higher. Your penalty is based on your income and how many months you didn’t have coverage. Generally, the higher your income and the more months you didn’t have health insurance, the higher the fee.
  • Learn more about the penalty for not having coverage in 2016 by visiting https://www.healthcare.gov/fees/fee-for-not-being-covered/

Source: healthcare.gov

 

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