Utano Inishuwarenzi Ongororo yeVaduku Vakwegura Kubva Purogiramu Yemubereki
Kana uri kuda kusvika makore 26, unogona kuzviwana uri muhutano inshuwarisi. Pasi peAACA mazano, vabereki vako havagone kukuvhara pasi peurongwa hwehutano hwavo kana iwe uine makumi maviri nemaviri (kunyange zvazvo nyika dzichibvumirwa kuisa mitemo yavo chero bedzi dzisingachagadziri kupfuura ACA; Somuenzaniso, New Jersey inobvumira vechidiki kuti varambe vari purogiramu yemubereki kusvikira vadzoka 31).
Asi, pamakore makumi maviri nemaviri, vechidiki vakawanda havana basa rakasimba nebasa rakapiwa nguva yakazara rinopa utano hwehutano.
Kana iyi ndiyo mamiriro ako ezvinhu, une zvimwe zvingasarudzwa zvekutora inshuwarisi yehutano kana iwe uine makore makumi maviri nemaviri.
Tenga Chirongwa Pamusoro Poutano Hwenyu Inoshandiswa
Iwe unogona kutenga inshuwarhu yehutano muhutano hwehutano hwehutano . Kana iwe uine mari yakawanda, iwe unogona kukodzera rubatsiro rwehurumende kuti ubatsire kubhadhara miriyamisi yemwedzi. Kune munhu mumwe chete, kubhadhara mari yekubhadhara kunosvika kune imwe mari ye $ 47,520 muna 2017, asi mune dzimwe nzvimbo, miriyamu yakaderera zvakakwana kuti rubatsiro rwekubhadhara runomira pamucheto wechidiki. Iwe uchada kushandisa shanduro yekutsinhanisa zvishandiso kuti uone mutengo chaiwo munharaunda yako zvichienderana nemari yako.
Zvichienderana nemari yaunowana, iwe unogona kunge uchikwanisa kubhadharwa mari iyo inogona kuderedza mari yako yekunze (iwe unofanirwa kusarudza chirongwa chesirivha kuti uwane rubatsiro rwakawedzerwa; kana iwe uchikodzera, rubatsiro ruchava rwekutsvaga yakabatanidzwa kana ukasarudza urongwa).
Affordable Care Act Utano hwehutano hwehutano husinokubvumira kuti unyore muhutano hwehutano chero nguva yaunosarudza. Kazhinji, iwe unongobvumirwa kunyoresa panguva yekunyora yakasununguka iyo inoitika yoga yoga.
Zvisinei, sezvo uri kurasikirwa nehutano hwehutano inshuwarheni nekuda kwekukwegura kubva muchirongwa chemubereki wako, iwe uchakwanisa kuwana nguva yakanyoresa apo iwe unosvitsa 26.
Izvi zvichakupa mazuva makumi matanhatu mapurogiramu ako asati apera-uyewo mazuva makumi matanhatu apedza-apedza-kunyoresa mune chirongwa chehutano pane shanduko kunyange kana zvisingabvumirwi kuverengwa. Kana iwe uchinge uchitadza iyi pfupi yakanyora yokunyora kwewindo, iwe unofanira kumirira kusvika panguva inotevera yokunyora kuzarura kutenga inshuwarano yehutano muhutano hwehutano hwehutano hwako.
Cherechedza kuti nguva yakanyoresa munyaya ino inoshandiswa kunze kwekutsinhanisa , asi rubatsiro hahuwaniki kunze kwekutsinhana, saka haisi imwe nzira yaunofanira kushandisa kana mari yako inokuita iwe rubatsiro-rwakakodzera.
COBRA Continuation Coverage
COBRA mutemo unokubvumira kuti urambe uine hutano hwehutano inshumo yekuvhara kwemwedzi 18-36 mushure mokunge mava nemakore akawanda kubva muurongwa hwehutano hwevabereki venyu, vakarasikirwa nebasa renyu, kana kuti vakarambana. Hasi mapurogiramu ose ehutano anofanira kupa COBRA kuenderera mberi, kunyange zvakadaro. Dzidza kana hurongwa hwako hwehutano huchikupa COBRA .
Hezvino kuti COBRA inoshanda sei. Imi kana vabereki venyu muchizivisa chirongwa chehutano chaunenge uchirasikirwa nacho nekuda kwekurasikirwa nemamiriro ako anoenderana. Urongwa hwehutano hunokutumira iwe ruzivo kutsanangura nzira yekuenderera mberi kwako. Iwe uchava nemazuva makumi matanhatu ekusarudza kupfuurira kugoverwa kwako kuburikidza neCOBRA. Kana iwe usingaiti chisarudzo ichocho mumazuva makumi matanhatu, iwe ucharasika mukana wako nokusingaperi.
Iwe unofanirwa kubhadhara miriyamu yemwedzi pamwedzi yekutambira kwako kweCOBRA, uye inogona kutenga mari yakawanda . Parizvino, mubereki wako ane chikamu (kana mune zvimwe zviitiko, zvose) yemari yepuraimari yepamwedzi yakabviswa mubhadharo rake. Asi chikamu chepambamuro inogona kunge yakafukidzwa nomushandirwi wemubereki wako (kunyange zvazvo mamwe masangano anoda kuti vashandi vabhadhara mari yakazara yekuwedzera vanovimba kurongwa). Paunotora chirongwa cheCOBRA, mushandirwi wemubereki wako haabatsiri kutora chikamu chako chekuvhara. Iwe unofanirwa kubhadhara zvose chikamu icho mubereki wako ari kubhadhara uye chikamu icho mubereki womubereki wako aichiripa.
Mukuwedzera, iwe unofanira kubhadhara 2% mari yekutungamirira.
Iwe unobhadhara mwedzi miviri yeCOBRA mirimiyamu kwenguva yakareba apo kugoverwa kwako kweCOBRA kunoguma, kazhinji mwedzi 18. Kana iwe ukasasikirwa nebhadharo yeCOBRA premium , kuparidzira kwako kweCOBRA kunopera uye haugoni kuzvidzorera. Kana iwe ukawana zvimwe zvekuvhara, iwe unogona kubvisa chinyorwa chako COBRA chero nguva iwe uchida. Asi kana iwe ukatora COBRA, iwe haugoni kuwana nguva yakanyora yokunyora mumusika mumwe nomumwe (kuburikidza nekutsinhanisa kana kusagadzikana).
Dzidza zvakawanda pamusoro peCOBRA kuenderera mberi kwekuparidzirwa kubva kuDhipatimendi reBasa mu "Mushandi weVashandi veHumano hweHumamiro Pasi COBRA."
Utano Inishuwarenzi Kupfuura Basa Rako
Kana uri kushanda uye wako waunoshandira anopa hutano inshuwarheni, iwe unogona kuwanika kune iyo inshuwarisi yehutano kana iwe uchirasika yako yuri inshuwarisi. Kana iwe usingafungi kuti iwe unogona kusayina kunzvimbo yako yehutano yehutano inshuwarani nokuti haisi nguva yekunyora yakazaruka, fungazve. Kurasikirwa nemubereki wako kugoverwa kuchaita kuti iwe uwane chikamu chekunyora nguva yakakodzera kubasa rako, uchifunga kuti iwe unogona kubhadharwa pasi peurongwa hwako. Iwe uchava nemakore makumi matatu nemakumi matanhatu okutumira.
Kungoita kuti iwe uwane basa hakurevi kuti iwe uchazongobhadhara yunishuwarenzi yehutano kuburikidza nebasa rako rekushanda. Semuenzaniso, vashandi vakawanda vanoda kuti iwe ushande huwandu hwehuwandu hwebasa-maawa pavhiki kuti uwane chikwereti cheshuwarhu yehutano. Iwe uchafanirwa kusangana nechidimbu ichocho usati wave wakakodzera kubvumwa, kunyange nenguva yakanyora yokunyora.
Kunyange kana iwe uchikodzera, basa-based based health inshuwarisi haisi yekusununguka. Washandi vako achatora mugove wako wezvinodhura zvemariyamisiro emwedzi kubva pamari yako, saka tarisira zvikwereti zviduku. Izvozvo zvakati, zvishoma iwe waunoshandira ari kutora chikamu chemari yemishonga yako yemainishuwarensi yehutano. NeCOBRA, uri kubhadhara premium yose iwe pachako. Uye kana iwe ukanyora muchirongwa kuburikidza nekutsinhanisa asi mari yako inokunda zvakanyanya kuti uwane rubatsiro-inokodzera, iwe ungadai uri kubhadhara mubayiro wakakwana iwe pachako.
Medicaid
Kana zviwanikwa zvako zvakaderera, unogona kukodzera kuMedicaid , chirongwa chakabatana chehurumende / federal social welfare chirongwa chinopa inshuwarisi yehutano kune vamwe varombo vanotambura kana vanowanikwa mari shoma. Iwe unofanirwa kunge uri mutemo wemagariro ehurumende yaunenge uchikumbira kuti upiwe, uye Medicaid haigoni kupa kugoverwa kwekupa mutemo zviri pamutemo kune vanoenda kune dzimwe nyika kusvikira vagara muU.S. kwemakore mashanu.
Mune dzimwe dzidziso, humwe hurumende inogadza mitemo yake yekuti ndiani anokodzera kuMedicaid uye ndiani asingaiti. Kana zviwanikwa zvako zvikamu 138 kubva muzana zvehurumende paurombo kana kuti pasi, iwe uchafanirwa neMedicaid mumatunhu makumi matatu nemakumi matatu nematatu uye muDunhu reColumbia. Mune dzimwe nyika dzakasara, kukodzera kweMedicaid kunowedzera uye kwakaoma kune vanhu vanotambura vakadai sevakadzi vane pamuviri, vakaremara, mapofu, kana vakwegura (chinyorwa chokuti kunyange zvazvo Wisconsin iri pakati pematunhu asina kuwedzera Medicaid pasi pe ACA, vanoita asiri nehupfumi hwenyika ; Wisconsin vagari venyika shoma vanofanirwa kuti vawane Medicaid kana kuti kubhadhara mari inobhadharwa mukushandura, zvichienderana nemari yavo).
Zvikwereti, zvinokonzerwa, zvinyorwa, uye coinsurance zvinowanzonyanya kuwanda kana iwe uine Medicaid. Zvikamu zvizhinji zveMedicaid hazvibhadhari premiums chero zvachose (kunyange vamwe vachiita, kuti vanyorese nemari yepamusoro pamusoro pehurombo huripo), uye kugovana-mari-mari (copays, nezvimwewo) hazvirevi vanhu vakanyoresa muMedicaid.
Dzidza zvakawanda pamusoro pekuti Medicaid inoshanda sei munharaunda yako nekusarudza nyika yako pamepu iyi inobatanidza.
Vadzidzi Vehutano
Kana uri mujijiji, unogona kunge wakakodzerwa neshuwarhu yehutano inshumo kuburikidza neyunivesiti yako. Dzimwe dziyunivhesiti dzinoda kuti iwe utore imwe yepamusoro yekirasi mutoro kuti uwane akakodzera. Chengetedza zvakananga zvehuwandu hwekuita kuti uone kuti zvakakwana, kusanganisira kugoverwa paunenge uine zororo uye zvichida kunze kweguta kwenguva refu.
Alumni Association, Trade Association, & Other Options
Hauna kukodzera hutano hwevadzidzi nokuti hausi mudzidzi zvakare? Mamwe masangano e-alumni anopa hutano inshuwarheni kune nhengo dzavo. Tarisa neyunivhesiti yako alumni association.
Kuzvishandira? Tarisa nekutengeserana kwako sangano kana iwe uri nhengo yebhizimisi. Tarisa nekamuri yako yekutengeserana kana iwe uine bhizimisi rako duku. Mamwe emasangano aya anopa zvirongwa zvehutano zveboka kumapoka avo. Uyezve, mabhizimisi maduku anogona kutenga inshuwarisi yehutano kuburikidza nehurumende yavo SHOP yehutano yekutengesa inshuwarano.
Iwe unogona kutsvaga mamwe madiki-evanhu vakuru vehutano inshuwarano zvingashandisa uchishanda wehutano hwehutano huripo huripo huri hurumende yako. Vanhu ava vane nyanzvi mukubatsira vanhu kutora chirongwa chehutano hwakanaka chinoenderana nezvavanoda. Bhuku rako rakanakisisa nderokushandisa mutengesi uyo anozivikanwa nekutsinhanisa muhurumende yako, kuitira kuti iwe uone zvingasarudzwa zvose uye kurega kushandura uye uone kuti uri kuwana kugoverwa kunonyanya kukodzera mamiriro ako ezvinhu.
Ko GOP ichatsvaka Kudzorera ACA Shandura Zvasarudzwa zveVaduku Vakuru?
Vatongi veGOP vave vachiedza kubvisa ACA kubvira apo yakagadzwa, uye vakapedza 2017 vachitsvaga mutemo unogona kubvisa kana kuchinja zvinhu zvakasiyana zvemutemo. Iyo ACA inopa iyo inobvumira vechidiki kuti varambe vari purogiramu yehutano hwevabereki kusvika makore makumi maviri nemaviri inoratidzika kunge yakachengeteka asi-hapana chekuita mazano makuru akaedza kuchinja kana kubvisa icho chikamu cheAACA.
Asi mushumo wekuti Senate Republicans yatanga (iyo Better Care Reconciliation Act, kana BCRA) yaizoita kuti vanhu vakawanda vanotenga inshuwarisi yavo yehutano (pavanoshandiswa kana kutengeswa). Iko GOP kuderedza kushanda kunogona kuita kuti kugoverwa kwakasimba kuduku kunopiwa nevanoshandisa vaduku , zvichienderana nehutano hwemamiriro ekugadzirisa kurapwa kwehutano.
> Sources:
> Senate.gov, HR1628, Mutemo Wakawedzerwa Kuyananisa Kuyanana kwe 2017 , Hurukuro Dhaurirano. July 20, 2017.