夫妻中一个人没有私人医疗保险，两个人都要交Medicare Levy Surcharge吗？

SunnyBay

如题。如果两个人税前总收入超过了免交上限，但只其中一个人没有私人医疗保险，是不是两个人都要交MLS（taxable income的１％）。我对E-tax的相关Help的理解是可能都要交，不知对否？

shuangchao

原帖由 SunnyBay 于 2010-11-30 13:13 发表
如题。如果两个人税前总收入超过了免交上限，但只其中一个人没有私人医疗保险，是不是两个人都要交MLS（taxable income的１％）。我对E-tax的相关Help的理解是可能都要交，不知对否？ ...

No, only the one that's not covered needs to pay.

SunnyBay

原帖由 shuangchao 于 2010-11-30 13:30 发表


No, only the one that's not covered needs to pay.

Thanks, but the Example below from the E-tax help seems to suggest otherwise:
---
EXAMPLE 2
Part-year liability
Carolyne and Mat have been married for a number of years. They have three dependent children. Carolyne, Mat and their children were not in a Medicare levy exemption category at any time during the year. Carolyne and the children were covered by an appropriate level of private patient hospital cover for the full income year. Mat had his name added to the policy on 10 January 2010.

Carolyne and Mat had a combined income for MLS purposes of $152,000. The family surcharge threshold for Carolyne and Mat is $149,000 ($146,000 plus 2 × $1,500). Because not everyone was covered for the period 1 July 2009 to 9 January 2010 and their combined income for MLS purposes exceeds the family surcharge threshold, Carolyne and Mat are both liable for the MLS for this period, that is, 193 days.

Carolyne and Mat both enter on the e-tax screen the number of days that they were not liable for the MLS in 2009–10, 172 (that is, 365 minus 193), and complete Private health insurance policy details.

---

SunnyBay

还望各位指点迷津，多谢！

leo727

are you sure, david?

i dont think you need pay for medical levey surcharge if one person have a private health insurance which also cover her/his spouse. But you need put spouse's information in each other's tax return.

shuangchao

lol, sorry, didn't read properly, in the case of families:
if a couples combined taxable income exceeds the couples threshold, both parties must hold appropriate hospital cover to avoid paying the Medicare Levy Surcharge. If only one of the couple holds private hospital cover and the other does not, the ATO will require both parties to pay the additional levy.

leo727

agree with david latest post,

but sunnybay need check her or his private health insurance to see wether it cover both of you and you spouse, if yes, both of you dont need pay medicare levy surcharge

gorilla

原帖由 shuangchao 于 2010-11-30 21:03 发表
lol, sorry, didn't read properly, in the case of families:
if a couples combined taxable income exceeds the couples threshold, both parties must hold appropriate hospital cover to avoid paying the Med ...

请问：有medicare insurances smart choices for the family, not cover hospital!
男方有收入， 需要交medicare surcharge 吗？？

shuangchao

原帖由 gorilla 于 2010-12-1 13 begin_of_the_skype_highlighting              2010-12-1 13      end_of_the_skype_highlighting:14 发表

请问：有medicare insurances smart choices for the family, not cover hospital!
男方有收入， 需要交medicare surcharge 吗？？

if your and your husband's combined income for MLS purposes was $146,000 or more (plus $1,500 for each dependent child after the first). you must have approved HOSPITAL cover

An appropriate level of private patient hospital cover is cover provided by a registered health insurer for hospital treatment in Australia which has an excess of:

    * $500 or less (for a policy covering only one person), or
    * $1,000 or less (for all other policies).

Excess is the amount you pay before your health insurer pays for any claim you make.

General cover (formerly called ancillary cover) or ‘extras’ is not private patient hospital cover because it covers only items such as optical, dental, physiotherapy or chiropractic treatment.

SunnyBay

原帖由 shuangchao 于 2010-11-30 21:03 发表
lol, sorry, didn't read properly, in the case of families:
if a couples combined taxable income exceeds the couples threshold, both parties must hold appropriate hospital cover to avoid paying the Med ...

Thanks David.
寻遍页面，也没找到加分的地方。咨询过老婆后才知道，我的分数太少，还没有资格给别人加分...只好口头谢谢了！