Kuparadzanisa Chokwadi Kubva muHype
Kana iwe wakanga uchinyatsoteerera hutano hwehutano inshumo pamusoro pemwedzi mishomanana yapfuura, zvichida wakamboona mamwe mashoko anotyisa pamusoro pe 2017 yepumisiyamu yehutano yemishonga yehutano. Hezvino izvo zvaunoda kuziva kuti uise zvinyorwa mumugariro
Musoro unotarisana neMunhu mumwe oga
Zvinenge zvese zvinyorwa zvekuona-zera zvakange zviri pamusoro pemarikimari yehutano yehutano mumusika mumwe nomumwe.
Ndiyo apo vanhu vanotenga hutano hwavo hwehutano kana vasingakwanisi kuronga hurongwa hunoshandiswa nevanoshandira kana hupfumi kubva kuhurumende ( Medicaid , Medicare , CHIP , nezvimwewo).
Maererano nekuongororwa kwakaitwa neAACA Signups munaMarch 2016, mutengesi mumwechete unosanganisira vanhu vanosvika mamiriyoni 18.2 kana nezve5,6 muzana yehuwandu hweUnited States.
Kana ukawana hutano hwako hwehutano kubva kune waunoshandira, kana kubva purogiramu yehurumende, iwe unowedzera kuwedzera kwe 2017 haisi ivo vakave vachigadzira zvinyorwa muzhizha iyi (kunyange zvazvo chirongwa chiduku chekuongororwa kwepamberi chekutanga chichiitwa pamwechetezvo, chiyero chechidiki cheboka duku kuwedzera mumatunhu akawanda kunonyanya kuderera kudarika kuwedzerwa kwehuwandu hwekuwedzera kwemusika mumwe nomumwe).
PaAACA Signups, Charles Gaba ave achitsvakurudza huwandu hwehuwandu hwekuwedzera kwegore ra2017 uye kuenzana navo zvichienderana nemugove wemusika wevatakuri vose. Mugumisiro-wekupera kweJuly, kudarika makumi matatu nemazana makumi matatu nemasere uye nharaunda yeColumbia-inenge inenge inenge 23 muzana.
Asizve, izvo zvinongoshanda chete kumusika mumwe nomumwe; kune vanopfuura 94 muzana veAmerica, iyo iyo inorongedzwa yehuwandu inowedzera haishandisi.
Iko Matengo Haasati Yagadziriswa
Munenge mamiriro ose ehurumende, vatungamiri vari kutarisa matanho ekuchengetedzwa kwehutano hwehutano muna 2017. California neOregon vakapedza basa ravo rekuongororwa kwemajeri munaJuly 2016, asi nyika dzakawanda hadzizopedzisa dare kusvikira September kanaOctober.
Mune dzimwe nhatu (Missouri, Oklahoma, Texas, uye Wyoming), hurumende yehurumende inotarisira chirongwa chekuongororwa kwezvikwereti zvemakambani nemapoka emazana emapoka (Alabama akatora purogiramu yake yokuongorora kudarika muna April 2016, uye Missouri ichazotanga kutarisira purogiramu yacho kubvunzurudza kunotangira muna 2017).
Mamwe ose ehurumende uye District of Columbia vanoita purogiramu yavo pachavo, asi huwandu hwenyaya idzi dzakasiyana-siyana kubva kune imwe nyika kuenda kune imwe.
Vakawanda vanokumbira ruregerero rwevanhu pamusoro pehuwandu hwehuwandu hwehuwandu hwekuwedzera, uye vamwe vanotarisana nekunzwa kwevanhu kuti vataure nezvesarudzo uye vanounganidza mhinduro kubva kune vatengi.
Vatongi Havana Magetsi Wands
Kunyange zvazvo hutano hwehutano hwehutano hwakarongwa hunoongororwa nevatongi, huwandu hunotenderwa hunowedzera hunogona kupedzisira hukapamhidza kupfuura vatengi vangatarisira. Kana zviyero zvinorongwa zvichitongerwa zvakarurama zvichienderana nezvinotarisirwa kudare, pane zvishoma izvo vatongi vanogona kuita kuti vaderedze zvimiridzo.
Kunyange zvazvo hurumende uye hurumende inogadzirisa zvipfeko kuburikidza nevanishuwarenzi 'kutengesa mafikisi kuti vaone kana vakarurama, dzimwe dzinoti hadzina simba rekuramba kana kuchinja (zvichikwira kumusoro kana pasi, zvichienderana nematare) kutengesa mafungiro avanofunga kuti haana kukodzera.
Izvo zvishoma zvinotarisirwa nehurumende yehuwandu hwekuongororwa kwevheti ndeyekuti vatongi vanoongorora maitiro anotsanangurwa uye mabhuku anotsigira, uye vanoona kana iyo inhamba yezviri kuitika yakarurama. Kana isiri iyo, ruzivo irworwo rwunotumirwa kune inshuwarisi yehutano, uye kana iyo inshuwarisi inotanga kuzadzisa maitiro matsva pasina kuchinjwazve, vatongi vanozivisa vanhu kuti mari yacho haina kururama. Asi huzhinji hune huwandu hwakawanda hwekuongororwa hutsika hunoita kuti vatongi vave nesimba guru pamusoro pekuti inenge yakarongwa inodhindurwa inoshandurwa isati yabvumidzwa.
Zvisinei, hurumende yezvematongerwo enyika inogona kungoshandura chete maitiro anotsanangurwa kana iyo mitengo isingaruramiswi nedata.
Sezvo zvirevo zvinodhura zvinowedzera, saka mari yemishonga yehutano yehutano.
Vashandi vezvehutano mumakambani ega uye madiki mashomanana vanofanirwa kupedza mazana makumi mapfumbamwe emadhora emayero emari ekurapa uye nekuvandudza hutano hwehutano (pamapoka makuru, zvinodiwa zvinoda kusvika 85 kubva muzana yepamuyamisi). Kana bhizimisi vachipedza zvakawanda kupfuura zvavanobvumirwa pamitengo yehutungamiri, vanofanirwa kupa zvikwereti kune avo vanyoresa .
Kana vashandi vehutano vakagadzirisa mafaira egore rinouya, vanoziva kuti dheta ichaongororwa nevatongi vasati vazvironga kuvapo kuti vatenge, uye vanozivawo kuti kushandiswa kwavo pamari yezvechiremba zvichienderana nehutungamiri mari ichaongororwa mushure mekuronga kwegore gore .
Muchidimbu, vatsigiri vehutano havagoni kungotengesa zvirongwa chero ipi zvayo yavanoda. Asi kana deta ichiratidza kuti mihorosiyamu haisi kufambidzana nezvikwereti zvinodhura, vatsigiri havagoni kusarudza kunze kwekuti vawedzere mapeamisi. Uye kunyange mune zvinyorwa zvine hurongwa hwekuongorora mapurogiramu, vatongi havagoni kusarudza kunze kwekubvumira kuwedzerwa kwehuwandu hwehuwandu kana vachiri kururamisira.
Kubatsira Kunokanganisa Mafambiro Emitambo yeMamiriyoni evanhu
Premium rubatsiro ibwe rekona ye "inotengeswa" yeExpordable Care Act (ACA). Kunyangwe kana zvikamu zvekupedzisira zvakagamuchirwa zvakakwirira zvakanyanya sekusvika 23 kubva muzana yevoruzhinji zvakasarudzika kuwedzerwa kwehuwandu, hurumende inobhadharwa ichapedza chikamu chakakura chechiyero ichocho kuwedzera.
Kubva munaMarch 31, 2016, vanhu vanopfuura mamiriyoni 11 vakanyoreswa muhutano kuburikidza nehutano hwehutano hwehutano munyika yose, uye 84.7 muzana vavo vakanga vachiwana rubatsiro rwemari. Kune avo vanhu-uyewo vanhu vanozove vachangobvumirwa kubhadhara mari inobatsira muna 2017-rubatsiro runopedza mutengo wepurogiramu yekufananidzira kune imwe nhamba inofungidzirwa kuti inokwanisika pasi pe ACA.
Apo guruva rinogara pamitengo mitsva ye 2017, chirongwa chekufananidzira-chechipiri-yakadhura-purogiramu yesirivha-munharaunda imwe neimwe ichagadziriswa. Kana mavhareji emitengo yepurogiramu yezvidzidzo yakakwirira muna 2017 kupfuura yaive muna 2016, zviyero zvekubhadhara zvichamuka zvakare, sezvavakaita muna 2016 .
Zvichave zvakakosha pakutsinhanisa kunyoresa kuti udzoke zvakare mumabhuku avo panguva yekunyorwa kwakasununguka uye kuve nechokwadi kuti hapana chirongwa chitsva chinopa huri nani huri nani muna 2017. Uye kunyange zvazvo kuwedzera kwepurogiramu yepurogiramu yakadaro kungave yakakwirira kwazvo, rubatsiro rwe vanhu vari munharaunda iyoyo vachongowedzera zvakanyanya kana chirongwa chekufananidzira chiri kuwedzera kukura kwekutengesa (kuchengeta mupfungwa kuti chirongwa chekufananidzira chinogona kuva chigadziro chose chitsva; inongova yechipiri-yakadhura-purogiramu yesirivha mune imwe nzvimbo, uye kwete chaiyo chirongwa chakafanana gore negore).
Nokuda kwenzira iyo zvirongwa zvinogona kutenderera mberi maererano nemaitiro ayo matengo avo anoenzanirana kune umwe kune rimwe gore negore, hapana nzira yekuziva kuti iwe uchiri kuwana zvakanakisisa kubva purogiramu yekubatsira pasina kupinda muchikwata chako chekuchinjana uye uchienzanisa urongwa hwako huripo kune zvaunogona kuwanika mugore rinouya (kutengesa kwewindo zvinowanzowanika muvhiki inotungamirira kusvitsa, asi zvirongwa zvose zve 2017 zvichawanikwa nekuda kwekutsvaga uye / kana kutenga kubva munaNovember 1, 2017).
Off-Exchange Enrollees
Kana iwe wakanyoresa pamusika wehutano hwehutano hurongwa hwehutano kunze kwekutsinhanisa (kana kana uine chirongwa chekutsinhanisa asi uchiwana zvakawanda zvekubhadhara), unogona kutarisana nehuwandu hwekuwedzera kwe 2017, zvichienderana nekugara kwauri uye iyo iyo yehutano inshumo inoshandisa iwe.
Kana pane chero mukana wekuti iwe uri rubatsiro-iwe unofanirwa, iwe unoda kufunga nezvekuchinjana-kushandurwa kusarudzo panguva yekunyora kuzarura. Zviratidzo zvakakonzera kugoverana muna 2013 uye 2014 zvakanyanya kugadziriswa, uye kushandiswa ndiyo nzvimbo chete iwe unogona kuwana purogiramu yekubhadhara.
Kana pasina nzira iyo iwe uri rubatsiro-unokodzera, unogona kutengesa kana kuvhara kugoverana, asi iwe zvechokwadi unoda kuenzanidza maitiro anowanikwa panguva yekunyora kuzarura, pane kungoita kuti urongwa hwako huripo hugadziriswe.
> Sources:
> Centers for Medicare neMedicaid Services, Center for Consumer Information and Insurance Oversight. State Effective Rate Review Programs.
> Centers for Medicare neMedicaid Services. March 31, 2016 Kuverengwa kwakanyatsoitwa Snapshot.