An sanya hannun Dokar Kulawa da Shari'ar zuwa doka a shekarar 2010, kuma mafi yawan abubuwan da aka tanadar da shi sun fara ne tun farkon 2016. Amma wani bangare na doka da aka sanya "haraji Cadillac" ba zai yi tasiri ba sai 2020. Lambar Cadillac ta samo asali ya kamata a aiwatar da shi a shekara ta 2018, amma a cikin watan Disamba na shekarar 2015, 'yan majalisa sun kulla yarjejeniyar kashe kuɗin da suka hada da jinkirta shekaru biyu akan harajin Cadillac.
A lokacin da aka aiwatar da shi, haraji na Cadillac zai ba da haraji na kashi 40 cikin kashi na kudaden asibiti na asibiti mai aiki a sama da ƙimar da aka ƙayyade (ƙimar harajin haraji za a yi amfani da shi don rufe wasu abubuwan ACA, kamar tallafin bashi a cikin musayar ). Ƙofa na farkon da za'a biya takardar haraji shine $ 10,200 a cikin jimlar kuɗin shekara daya ga mutum guda a cikin dala 2018, kuma $ 27,500 a cikin shekara-shekara na biyan kuɗi na iyali. Wannan ya haɗa da kyautar da ma'aikaci ya biya, tare da gudummawar mai aiki ga kyauta.
Don haka idan lamarin kuɗin kuɗin inshora na lafiyar ku ya fi yawan kuɗin, ma'aikacinku zai biya biyan harajin kashi 40 cikin kashi na mafi girma a sama da waɗannan matakan. A bayyane yake, wannan ya sa ma'aikata su dauki matakai don ci gaba da biyan kuɗi a ƙarƙashin matakin da harajin Cadillac ya shafi.
Mene ne Amfanin Kuɗi na Cadillac?
Manufar da aka yi a kan harajin Cadillac ita ce samar da kyakkyawan tsarin kiwon lafiya wanda ba shi da kyau ga masu daukan ma'aikata, kuma hakan ya zama maras kyau. Abin damuwa ita ce, lokacin da mutane ke da tsarin kiwon lafiyar da suke da raɗaɗi da yawa da "karrarawa da wutsiya," suna iya ƙwarewa wajen kula da lafiyar tun lokacin da asusun inshora - maimakon marasa lafiya - yana biya wa kowa ko kusan duk kuɗin.
Kuma an yi watsi da inshora na asibiti na asibiti wanda aka yi amfani da shi a cikin aiki . Don haka, idan muka dubi cikakken biyan bashin ma'aikata - ciki har da albashi ba tare da asibiti na kiwon lafiya da sauran amfani ba - akwai abin damuwa ga masu daukan ma'aikata su samar da wani ɓangare mai yawa na biyan kuɗi a cikin nau'i na asibiti na kiwon lafiya, maimakon haɓaka. Ya haɗa da karuwar farashin kiwon lafiyar, abin da ya damu da damuwa game da yin amfani da ita ya haifar da hada da harajin Cadillac a ACA.
Abin da Game Game da Fluguwa?
Tun lokacin da aka karbi haraji na Cadillac a farkon 2020 maimakon 2018, ana sa ran kullin da ake amfani da shi a matsayin wanda zai biya haraji zai kai $ 10,800 don ɗaukar aure, kuma $ 29,100 don ɗaukar iyali, saboda sharuddan farashi wanda ya shafi harajin Cadillac .
Don haka a cikin 2020, idan tsarin kiwon lafiyar yana da kimanin $ 11,500 na shekara ɗaya don ma'aikaci guda ɗaya, kashi daga cikin kyauta fiye da $ 10,800 (a wasu kalmomin, $ 700) zai kasance ƙarƙashin haraji na Cadillac. Kuma yayin da za a tantance wannan haraji a kan mai aiki, masana harkokin tattalin arziki sun yarda da cewa ana amfani da irin waɗannan kudaden zuwa tsarin kula da lafiyar jiki (ta hanyar mafi yawan kuɗi, misali).
Tun daga shekarar 2021, babbar kofa mai mahimmanci wanda harajin Cadillac ya shafi - zai karu da kashi ɗaya kamar yadda farashin mai amfani (CPI) ya karu a kowace shekara.
Matsalar? Harkokin kula da kiwon lafiya ya karu da sauri fiye da CPI na dogon lokaci. Kuma yayin da yiwuwar zai iya canzawa a cikin shekaru masu zuwa, yiwuwar yiwuwar cewa ba zai nuna cewa haraji na Cadillac zai zama "Chevy tax" ba, kamar yadda adadin kuɗi ya karu sama da babbar kofa inda harabar Cadillac ta shiga.
Yayinda yake da wuya a yau don samun tsarin inshora na kiwon lafiya tare da kimanin shekara 10 na dala miliyan 10 don mutum guda, ko $ 29,100 ga iyali, bazai da wuya a sami tsarin kiwon lafiyar wanda ya samo kuɗin (karuwar CPI) a 2030 ko 2035, idan kamfanonin inshora na kiwon lafiya sun ci gaba da karuwa sosai fiye da CPI.
Sakamakon zai kasance cewa yawancin tsare-tsaren zai zama batun harajin haraji a kowace shekara, ganin cewa ci gaba mai girma zai ci gaba da fadada yawan farashi. Kuma a ƙarshe, shirye-in-mill (da tsayayya da kawai tsare-tsaren shirin) za a tasiri.
Ta yaya haraji na Cadillac zai shafi Abubuwan Abokai
Yin aiwatar da haraji har yanzu 'yan shekaru ne, amma yarjejeniya ta gaba shine ma'aikata za su so su guje wa biyan kuɗin, kuma za su yi aiki don tsara tsarin tsare-tsaren kiwon lafiyarsu don haka adadin kudade na shekara-shekara zai kasance a karkashin ƙofar inda Cadillac haraji ya fara amfani.
Hanyar mafi mahimmanci wajen yin haka shine don ƙara yawan raba farashi a kan shirin, ta hanyar mafi girma daga cikin ƙididdigar, ƙwaƙwalwa, da ƙananan kwata-kwata (a cikin ƙuntataccen ƙuntataccen lakabin da ACA ta buƙaci ). Tabbas, wannan zai magance matsala da aka tsara dokar ta Cadillac don magance shi, tun da dukan tunanin shi ne ya guje wa tsare-tsaren da ke rufe duk ko kusan duk wani nauyin kula da lafiyar mai kulawa, a kokarin kokarin tabbatar da cewa mutane ba overutilizing kiwon lafiya.
Kuma yayin da wannan zai kasance mai yiwuwa, matsalar ita ce, lokacin da farashin kayan aiki ya karu, mutane sukan sa su koma baya ba kawai a kan kiwon lafiya ba, amma har ma a kan kula da lafiya . Yawancin lokaci, wannan zai iya haifar da yanayin rashin lafiya wanda ba a kula da shi ba, kuma farashin lafiyar da ya fi yadda zasu kasance idan ba'a kaucewa kulawa saboda farashi ba.
Har ila yau akwai damuwa cewa wasu ma'aikata zasu iya samun tsarin kiwon lafiyar wanda ba "Cadillac" ba ne a cikin yanayi (watau, amfaninsa ba ta da kyau sosai fiye da matsakaicin), amma hakan yana da karfin kuɗi mafi girma fiye da yadda ake biyan kuɗi ko masana'antun mai aiki.
Ƙaƙidar ACA ta hana yin amfani da tarihin ƙira ko kungiyoyin masana'antu don ƙaddamar da kuɗi kawai ya shafi ne kawai a cikin kasuwanni da ƙananan kasuwa; a kasuwar babban kamfani, da'awar tarihin da masana'antu har yanzu suna iya taka rawar gani. Don haka, yayin da harajin Cadillac yake nufin rage yawan tsare-tsaren da ke ba da babbar matsala, yin amfani da matakan da alƙalai suka yanke shawara dangane da kuɗin da aka samu kawai zai iya zama maras kyau, a cikin cewa wasu shirye-shiryen haɗin kai na iya samun babban kuɗi don dalilai wanin amfaninsu.
Haka kuma akwai damuwa cewa, a jihohi kamar Wyoming da Alaska, inda kiwon lafiya - da kuma haka, asusun inshora na kiwon lafiya - ya fi tsada fiye da matsakaici, karin shirye-shirye zai shiga cikin haraji na Cadillac, duk da samar da amfani mai mahimmanci.
Za a Kashe Kudi na Cadillac?
Daga tsakanin yanzu zuwa 2020, yana yiwuwa a iya soke haraji na Cadillac. Tashin haraji yana da goyon baya daga masana tattalin arziki (ciki har da Shugaban Majalisar Shugaban Tattalin Arziki na Tattalin Arziki). Amma ma'aikata, ƙungiyoyi, masu amfani, da kuma 'yan siyasa-a bangarori biyu na hanya-sun saba da shi.
Jam'iyyar Democrat ta 2016 ta bukaci a shafe haraji na Cadillac, kuma GOP ya dade yana kira don soke haraji - tare da duk ko mafi yawan ACA. Idan aka ba dan adawa na biyan haraji, akwai yiwuwar cewa ba zai tsira ba tsawon lokacin da za a aiwatar da ita a 2020.
> Sources:
> Congress.gov. HR2029, Dokar Bayar da Hanyoyi, 2016. An kafa 12/18/2015.
> Ofishin Jakadanci na Ƙasa, Tsarin Gida na 2016, Yuli 2016.
> Gable, Jon; Pickreign, Jeremy; McDevitt, Roland; Briggs, Thomas. Kayayyakin Kiwon Lafiya na Taxilla Cadillac na iya haifar da sakamako na Chevy. Harkokin Kiwon Lafiya, Janairu 2010, Vol 29, Nu. 1.
> Haviland, Amelia M ;; Eisenberg, Matiyu D .; Mehrotra, Ateev; Huckfeldt, Bitrus J; Sood, Neeraj. Shin "Shirye-shiryen Kasuwanci" Shirye-shiryen Kiwon Lafiyar Lafiya Bada Kudin Kudin Kwafin Lokaci? Ofishin Harkokin Tattalin Arziki na kasa, Maris na 2015.