Zvirongwa zveMakurukota zvakagadzirirwa Kugumisa pakupera kwa2018
Apo ACA yakasayirwa mutemo muna 2010, yakada kushandurwa kwakanyanya mumakambani ehutano hwehutano hwehutano hwevanhu nehudiki. Chirongwa chakavakwa mumutemo kuti zvibvumire hurongwa hwakange huripo huripo hweMarch 23, 2010 kuti hurambe huchiramba huchishanda zvisingaperi, chero bedzi pasina kuchinja kukuru kwakagadzirwa kurongwa, uye chero bedzi mutakuri wacho akaramba achipa chirongwa chacho.
Zvirongwa izvi zvakaberekwa uye hazvisunungurwi kubva kune zvakawanda zveAACA zvaidiwa.
Asi ACA haina kuita zvipo zvakasiyana-siyana zvezvirongwa zveboka rimwe nerimwe uye zviduku zvakazoshanda mushure meMarch 23, 2010, asi zvisati zvaitwa neAACA yemitemo yemishuwarenzi yaifanira kutanga muna 2014. Tarisiro yekuti vaizoguma pa mugumo wegore ra2013 uye inotsiviwa neAACA-inopindirana kugoverwa panguva iyoyo.
Rubatsiro rwekutsvaga rwakaumbwa "Zvirongwa zveMhuri"
Zvadaro pakuwa kwegore ra2013, sezvo kushandiswa kwemishonga inshuwarisi yehutano kwave kuenderera mberi-uye nepamusoro-soro magetsi-uye sezvo zviratidzo zvekudzima kwezvirongwa zvisiri pamutemo zvakatanga kuratidzira mumakosita evashambadziro, ruzivo rwekuregererwa kwepurogiramu rwakasvika pane fever-pitch .
Mukupindura, HHS yakabudisa rubatsiro rwekutsvaga rwakabvumira nyika kubvumira zvirongwa izvi zvisingagoni kuzadzirwa zvekuvandudza zvekare kusvikira pakupera kwaOctober 1, 2014, nekugadziriswa kunobvumirwa kuramba kuchimanikidza kusvika Svondo 30, 2015.
Pasina mwedzi mina gare gare, muna March 2014, HHS yakabudisa kuwedzerwa kwekuregererwa kwekutsvaga, kupa sarudzo yekubvumira zvirongwa izvi (zvinonzi "shanduko" kana kuti "zvirongwa zvepamusoro-soro") kuvandudza kusvika pakupera kwaOctober 1, 2016, nekutaurirana iyo inogona kubvumidzwa kuti irambe iri kushanda sekupera kweSeptember 30, 2017.
Musi waFebruary 29, 2016, CMS yakabudisa kumwe kuwedzerwa kwakabvumira zvirongwa zvekukurukura zvekugara zvakashanda kusvika musi waDecember 31, 2017. Uyezve imwe shanduro yakabudiswa kutanga kwegore ra2017, richibvumira zvirongwa zvekuronga kuramba zvichiri kushanda kusvikira pakupera kwa2018.
Somugumisiro, mune huzhinji hwehurumende, kune huri hwega uye boka duku rezvirongwa huripo huripo husina kuberekwa, uyewo harisi kunyatsopindirana neAACA. Izvi zvinoratidzika, kana zvikuru, zvirongwa zvinogona kuramba zvakashanda kusvikira musi waDecember 31, 2018. Hezvino izvo zvaunoda kuziva pamusoro pavo:
1. Zvirongwa zvekukurukurirana hazvizi chinhu chakafanana nehukuru hwakave nemaronga . Ivo vane zvakasiyana-siyana zvinodiwa maererano nekuteerera nezvikamu zvakasiyana zveAACA, uye havabvumirwi kuramba vachishanda zvisingaperi. Zvirongwa zvekurukuru zvine zuva rekupera, zvakasiyana nemarongwa akakura, ayo aigona--pfungwa-inoramba iri kushanda nekusingaperi kana vatakuri vacho vakasarudza kuenda nenzira iyoyo ( iyo isingaiti ).
2. Dzimwe nyika dzakasarudza kusabvumira zvirongwa zvehukuru kune vamwe, vamwe vakazvigumisa kare 2018 . Kunyange mumitauro iyo yakabvumira zvirongwa zvekukurukura kuti zvirambe zvichivandudzwa, vamwe vatakuri vakagumisa zvirongwa zvacho, uye vakatsiva ivo neAACA-inoenderana nekugadzirisa.
Sangano rekuregererwa kwechirongwa rakabudiswa mushure megore mugore ra2013, apo vamwe vanoti uye vatakuri vakanga vari kure nemugwagwa weAACA-kushanda iyo yavakasarudza kuti haisi kuzova nehanya nepamusoro pezvikwereti zvekushandura nzira panguva iyoyo. Mune zvinyorwa gumi nemashanu neDDC, pakanga pasina zvirongwa zvekukurukura zviripo muna 2016. Uye kunyange humwe humwe hurumende dzakabvumira hurongwa hwemhuri hukuru kuti hurambe huchienderera mberi, pane makumi mana ematunhu aya apo pane zvisirizve zvirongwa zvikuru zvekuvapo.
3. Zvirongwa zvekukurukurirana zvinotarisira kuchengetedza kudzivirira pasina kugovana-mari, asi hazvibvumirwi kuvhara zvakasara zvekubatsira kweAIDS kwehutano hunokosha .
IAACA yakatanga inoda kuti zvirongwa zvehutano zvose zvive nehutano hwekuchengetedza pasina kubhadhara mari (kureva, pasina kana panguva iyo iyo inopa hutano) zvezvirongwa zvose makore anotanga kana kuti mushure meSeptember 23, 2010. Izvi zvakashandirwa kune zvitsva uye zvitsva zvekuvandudza, kunyange zvazvo hazvina kushandiswa kune zvirongwa zvakawanda . Saka zvirongwa zvekukurukura zvakange zvichishanda mushure meMarch 23, 2010 asi pamberi peSeptember 23, 2010, zvaifanira kutanga kuvhara kuchengetedzwa kwekuchengetedza pasina kugoverwa mari-soro sekutanga kwekuvandudzwa kwezuva. Uye mapurogiramu ose emakurukota anobatsira kana kuti mushure meSeptember 23, 2010 yakabatanidza kuchengetedzwa kwekuchengetedza pasina kubhadhara mari kubva pakuwana-kuenda.
4. Zvirongwa zvekukurukura hazvigone kutengeswa . Zvirongwa zvekukurukurirana ndezviya zvakatanga kushanda mushure meMarch 23, 2010, asi kwete mushure meOctober 1, 2013, kana mune dzimwe nguva, December 31, 2013. Mushure mekunge, iyo yakanga isisakwanisi kutenga chirongwa uye ichave inofunga sekurukuru. Imwe nguva yaJanuary 2014 yakapoteredzwa, hapana boka duku kana chirongwa chikuru chezvemishonga chinogona kutengeswa zvachose (kusanganisira kunze-kushandiswa) dai vakanga vasina kunyatsopindirana neAACA. Cherechedza kuti vanovimba vanogona kuwedzerwa kune chirongwa chikuru (kana iwe uri pane chirongwa chikuru uye une mwana, unogona kuwedzera mwana kurongwa), uye vashandi vatsva vanogona kuwana ruzivo pasi pegadziriro yavanoshandisa vashandi . Asi zvirongwa zvitsva zvitsva hazviwanikwi kutenga kubvira muna 2013.
5. Zvirongwa zvehukuru hazvikwanisi kubhadhara mari kana bhizinesi rehutano hwehutano inshumo . Havana kutengeswa muchitsinhanisi, izvo zvinoreva kuti havakwanisi kubhadhara mari yepayimusi. Kana iwe uine chirongwa chemunhu mukuru, iwe uri kuripa premium yakazara iwe pachako.
6. Kana hurongwa hwako hukuru husingabatanidzi mamiriro ako epanguva yakavapo, urongwa uhwu hunoshanda . Muzvinhu zvose kunze kwechishanu, hutano inshuwarhu yehutano yakange iine mishonga-inonyorwa pamberi pegore ra2014. Uye mumatunhu akawanda, kugoverwa kweboka duku kunogona kupiwa nepamusoro-soro yakakonzerwa nenyaya yezvechirongwa cheboka. Kunyangwe izvo zvisiri zvakare nyaya yezvigadziro zvitsva, mazwi emugadziro wako mukuru haashanduki-kana asina kubvisa mamiriro ako akagara akambovapo kana kuti akakupa chikwereti chepamusoro nekuda kwenyaya yako yezvechiremba, iyo ichiri kushanda nhasi.
7. Apo chirongwa chako chekukurukura chinopera (kana kudzokazve), iwe uchave nekodzero yekunyora nguva yakakosha . Kunyange kana chirongwa chako cheutano chinopera kunze kwekunyora kwakasununguka, iwe uchakwanisa kunyora muurongwa hutsva panguva iyo , pasina chinyorwa chiripo. Pasi pekutungamirirwa kunobudiswa neCMS kutanga kwegore ra2017, zvirongwa zvekukurukurwa zvinotenderwa kuwedzera patsva musi waOctober 1, 2018, asi kugoverwa kunofanira kupedzisira kusati kwapera musi waDecember 31, 2018. Kana chirongwa cheutano chako chichitevera iyi purogiramu uye inobvumira hurongwa hwako hunoenderera mberi kuti ugarepo kusvikira musi waDecember 31, 2018, uchakwanisa kunyora panguva yekunyora kwekuzarura kwegore ra2019, uye ugova nehuwandu hwekuvhara pasi pasi peCAA-chirongwa chinogamuchirika chinosvika musi waJanuary 1, 2019.
Asi kana urongwa hwako huchiri nehuwandu hwesaramende-gore (semuenzaniso, unotangira kubva munaJune kusvika munaMei, somuenzaniso, uye unovandudzazve musi waJune 1 gore rimwe nerimwe), wako mubhadhari angasarudza kupedza chirongwa panguva yekuvandudzwa, pane kuchivandudza icho kwegore rakasarudzwa uye kuchibvumira kuti chirambe chichishanda kwegore rose ra2018. Kana zvakadaro, iwe uchave nekwaniso yekunyora nguva yakakosha apo iwe ungasarudza chirongwa chitsva, chinokonzerwa nokurasikirwa kwekugoverwa, chiitiko chakakodzera .
Mukuwedzera, iwewo une nguva yakanyora yokunyora panguva yaunogona kusarudza urongwa hutsva, ACA-inogamuchirika, kana chirongwa chako chisina gadziriro yegore-guru (kana kuti chakaberekwa) chidzokorora mukati megore, kunyange kana chirongwa chacho chisingagumi pa iyo pfungwa.
> Sources:
> Centers for Medicare neMedicaid Services, Dhipatimendi reHutano neHuman Services. Tsamba kuInishuwarenesi Vatungamiriri-Transitional Plan Relief . November 16, 2013.
> Centers for Medicare neMedicaid Services, Dhipatimendi reHutano neHuman Services. Inishuwarenzi Bulletin Series-INFORMATION-Kuwedzerwa Kwematongerwo Enyika Kupfuura Kare Gore 2018 . February 23, 2017.
> Cornell Law School, Legal Information Institute. 45 CFR 155.420 (d) (1) (ii).