{"id":49552,"date":"2024-11-29T07:52:00","date_gmt":"2024-11-29T11:52:00","guid":{"rendered":"https:\/\/www.univistainsurance.com\/?p=49552"},"modified":"2024-11-27T19:56:25","modified_gmt":"2024-11-27T23:56:25","slug":"impacto-obamacare-impuestos","status":"publish","type":"post","link":"https:\/\/www.univistainsurance.com\/es\/blog\/impacto-obamacare-impuestos\/","title":{"rendered":"\u00bfQu\u00e9 impacto tiene el Obamacare en sus impuestos?"},"content":{"rendered":"\n<p>El&nbsp;<strong>Obamacare<\/strong>, tambi\u00e9n conocido como la Ley de Cuidado de Salud Asequible (ACA), es un programa del gobierno federal que ofrece&nbsp;<strong>subsidios<\/strong>&nbsp;en forma de cr\u00e9ditos fiscales avanzados para reducir el costo de las primas de los seguros m\u00e9dicos. Esto puede afectar su&nbsp;<strong>declaraci\u00f3n de impuestos<\/strong>&nbsp;y el c\u00e1lculo de reembolsos o pagos adicionales.<\/p>\n\n\n\n<p>Si se pregunta:&nbsp;<strong>&#8220;\u00bfC\u00f3mo afecta Obamacare mis taxes?&#8221;<\/strong>, aqu\u00ed le explicamos todo lo que necesita saber.<\/p>\n\n\n\n<p><strong>Impacto de los subsidios del Obamacare en sus taxes<\/strong><\/p>\n\n\n\n<p>Cuando solicita un seguro m\u00e9dico bajo&nbsp;<strong>Obamacare<\/strong>, debe estimar sus ingresos anuales para el pr\u00f3ximo a\u00f1o fiscal (<strong>MAGI<\/strong>). Seg\u00fan este c\u00e1lculo y el plan seleccionado, el gobierno federal paga un subsidio directamente a la aseguradora para ayudarle a cubrir los costos.<\/p>\n\n\n\n<p>Sin embargo, al presentar su declaraci\u00f3n de impuestos al&nbsp;<strong>IRS<\/strong>, se verificar\u00e1 cu\u00e1nto dinero realmente gan\u00f3 durante el a\u00f1o, y se ajustar\u00e1 el subsidio recibido. Esto puede resultar en tres escenarios:<\/p>\n\n\n\n<p>1.<strong>&nbsp;Sus ingresos coinciden con la estimaci\u00f3n inicial<\/strong><\/p>\n\n\n\n<p>Si los ingresos que calcul\u00f3 al inscribirse coinciden con los que realmente recibi\u00f3 durante el a\u00f1o, no habr\u00e1 impacto en su declaraci\u00f3n de impuestos.<\/p>\n\n\n\n<p>2.&nbsp;<strong>Sus ingresos son mayores a los estimados<\/strong><\/p>\n\n\n\n<p>Si gan\u00f3 m\u00e1s de lo que estim\u00f3 inicialmente (por ejemplo, debido a un aumento de sueldo, cambio de trabajo o ingresos extras), deber\u00e1 devolver una parte o la totalidad del subsidio recibido.<\/p>\n\n\n\n<p>3.<strong>&nbsp;Sus ingresos son menores a los estimados<\/strong><\/p>\n\n\n\n<p>Si sus ingresos fueron inferiores a lo estimado (por ejemplo, por una reducci\u00f3n salarial o p\u00e9rdida de empleo), el gobierno le deber\u00e1 completar el subsidio faltante, y es posible que reciba un&nbsp;<strong>reembolso<\/strong>.<\/p>\n\n\n\n<p><strong>Deducci\u00f3n de primas de seguros m\u00e9dicos para trabajadores independientes<\/strong><\/p>\n\n\n\n<p>Si usted es&nbsp;<strong>trabajador independiente<\/strong>&nbsp;y paga su propio seguro m\u00e9dico, las primas pueden ser deducibles de impuestos. Esto significa que puede reducir su ingreso gravable, lo que podr\u00eda representar un ahorro significativo en su declaraci\u00f3n de impuestos.<\/p>\n\n\n\n<p><strong>Ventajas de inscribirse con 51³Ô¹ÏºÚÁÏÍø&nbsp;<\/strong><\/p>\n\n\n\n<p>El&nbsp;<strong>Obamacare<\/strong>&nbsp;no solo ofrece cobertura de salud asequible, sino que tambi\u00e9n le permite ahorrar en sus&nbsp;<strong>primas mensuales<\/strong>&nbsp;gracias a los subsidios basados en sus ingresos. Adem\u00e1s, si elige un seguro a trav\u00e9s de un especialista de 51³Ô¹ÏºÚÁÏÍø, puede asegurarse de seleccionar el plan del mercado que mejor se ajuste a sus necesidades y presupuesto.&nbsp;<\/p>\n\n\n\n<p><strong>Aproveche los beneficios del Obamacare<\/strong><\/p>\n\n\n\n<p><strong>\u00a1No espere m\u00e1s!<\/strong>&nbsp;Llame ahora a 51³Ô¹ÏºÚÁÏÍø para recibir asesoramiento gratuito y en espa\u00f1ol o ingl\u00e9s. Lo ayudaremos a obtener un seguro&nbsp;<strong>Obamacare econ\u00f3mico<\/strong>&nbsp;dise\u00f1ado espec\u00edficamente para su situaci\u00f3n. Recuerde que el&nbsp;<strong>per\u00edodo de inscripci\u00f3n cierra el pr\u00f3ximo 15 de enero<\/strong>. \u00a1Aproveche esta oportunidad y evite sorpresas en sus impuestos!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El&nbsp;Obamacare, tambi\u00e9n conocido como la Ley de Cuidado de Salud Asequible (ACA), es un programa del gobierno federal que ofrece&nbsp;subsidios&nbsp;en forma de cr\u00e9ditos fiscales avanzados para reducir el costo de las primas de los seguros m\u00e9dicos. Esto puede afectar su&nbsp;declaraci\u00f3n de impuestos&nbsp;y el c\u00e1lculo de reembolsos o pagos adicionales. Si se pregunta:&nbsp;&#8220;\u00bfC\u00f3mo afecta Obamacare mis [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":49554,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[42],"tags":[1253,1251,1249],"class_list":["post-49552","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguro-de-salud","tag-deduccion-de-seguro-medico","tag-impuestos-y-obamacare","tag-subsidios-de-salud"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v24.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Impacto del Obamacare en sus Impuestos: Subsidios y Deduccione<\/title>\n<meta name=\"description\" content=\"Descubra c\u00f3mo el Obamacare afecta sus impuestos. 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