Urongwa hwehutano hwemhangura rudzi rwehutano hwehutano huripo, paavhareji, 60 muzana yevashandi vevashandi vehutano vanobhadhara mari (asi iyi ivhareji kune vose vanyoresa-iyo yevheji yezvaunotarisira kuti chirongwa ichi chinosangana chichasiyana zvakanyanya zvichienderana kana unoda kurapwa kwakawanda mukati megore, kana kwete zvakanyanya zvachose). Vanyori vanobhadhara vamwe 40 muzana yehutano hwavo hwehutano hwehutano maererano nemari yekubhadhara mari, coinsurance , uye kubhadhara .
Kugadziriswa kwekuti chirongwa chinopindira mumwero webhandi wekugoverwa kunobva pane kukosha kwezvinodiwa, yakatsanangurwa pano zvakadzama . Zvigadziri zvemhangura zvinowanikwa mune zvose zviri zviviri uye neboka duku rehutano inshuwarisi yemisika, mukutengesa kana kusagadziriswa.
Nzira Yokuenzanisa Nayo Zvirongwa
Kuita kuti zvive nyore kuenzanisa kukosha kwako kuri kuwana mari yaunoshandisa pamishonga yehushuwarhu yehutano yehutano , iyo inoshandiswa Care Care Act yakaenzana nehuwandu hwehutano hwezvirongwa zvehutano hwemunhu mumwe nomumwe uye maduku muzvikamu zvina. Izvi zvinenge zvendarira, sirivha, ndarama, uye platinum.
Zvose zvehutano hwehutano hwehupi hupi hupi hupi hunopa humwe huwandu hunokosha, kunyange zvazvo huchigona kuchinja mukati me + 2 / -2 de minimus range (iyo yakakura yakawedzera kusvika + 2 / -4 ye 2018, uye zvirongwa zvendarira zvakakura zvakanyanya hutano hwe + 5 / -4; ichi chaiva chikamu chekutonga kwemakethe kwakagadziriswa neHHS muna April 2017).
Nokuda kwezvirongwa zvemhangura-mapurisa, inowanikwa actuarial inokosha inenge 60 muzana.
Asi neyakagamuchirwa ne minimus range, zvirongwa zve 2018 pamwe nehutano hwe 56% kusvika kune 65 muzana dzichaonekwa sezvirongwa zvendarira. Nokudaro kunyange zvazvo mazita eCAA ematunhu anobatsira pakuita kuti zvive nyore kuenzanisa zvizere pakati pezvirongwa, zvichiri kukosha kutarisa kudhindwa kwakanaka, sezvo zvirongwa zviviri zvebhuroni zvingave zvakasiyana zvakasiyana siyana zvigadziridzo uye mazinga ekugoverana.
Iko Kunokosha Kunoreva
Kukosha, kana kukosha kwekukoshesa , kunokuudza kuti zviyero zvipi zvehutano hwehutano hwehutano urongwa hwaizotarisirwa kuvhara kwehuwandu hwehuwandu hwevanhu. Izvi hazvirevi kuti iwe, iwe pachako, uine 60 peresenti yemari yako yekutarisira hutano inobhadharwa neurongwa hwako hwebhuroni. Zvichienderana nemashandisiro aunoshandisa utano hwako hwehutano, iwe unogona kuva neanopfuura 60 kubva muzana yemari yako yekubhadhara.
Munhu ane nhepfenyuro yepamusoro yehutano ichajekesa chikwereti chiduku kusvika makumi mana kubva muzana chemutengo wega wega nokuti chirongwa chekunze kwepakati chechikwata chichagadzirisa chikwereti icho chikwereti chiripa. Kune rumwe rutivi, munhu ane nhepfenyuro yakawanda mari yose anogona kutarisira kubhadhara zvakapfuura 40 kubva muzana yemutengo wose, sezvo angave asingakwanisi kusvika kune zvakakonzerwa negore. Izvi zvinotsanangurwa nekunyatsorondedzerwa pano .
Zvisingabatsiri kutarisirwa kwehutano mari hazviongororwi pakugadzirisa hurongwa hwehutano hwehutano. Izvo-zve-network zvinodhurawo hazvina kuverengwa, uyewo hazvina mari yekurapa iyo haina kuwira muAACA inobatsira yehutano hutatu.
Zvichava Nekubhadhara
Iwe unofanirwa kubhadhara miriyamu yemwedzi yepurogiramu yehutano. Iwe uchazofanirawo kubhadhara mari yekugoverana sezvikwereti, kubhadhara, uye copays paunoshandisa utano hwako hwehutano.
Purogiramu yegoridhe miriyamisi yemwedzi inowanzove yakaderera kudarika zvigadzirwa zvepamusoro nekuti zvirongwa zvebhandi zvinotarisira kubhadhara mari shoma kune yehutano hwehutano. Iwe unowana zvaunobhadhara.
Izvo chirongwa chimwe nechimwe chinokuita kuti iwe ubhadhe chikamu chako chehutano hwehutano hwako huchasiyana. Semuenzaniso, chirongwa chimwe chendarira chinogona kuva nechepamusoro-soro ye $ 6,000 inokonzerwa pairi nechepasi 10% yekutendesa. Sangano remaketani rakakwikwidzana rinogona kunge rakaderera $ 4,000 rakabhadharwa paine chikamu chepamusoro 35 kubva muzana chekusimbiswa pamwe ne $ 45 copay yekushanya kwehofisi (zvose ACA-zvinoenderana nemapoka emapoka evanhu mashoma ane mhedziso yepamusoro yezvose zvinenge zvisiri zvehomwe zvinoshandisa zvisinei tsvina yesimbi; hapana zvirongwa zvingava nemiganhu yega-in-pocket-kusanganisira deductible, copay, uye coinsurance-inopfuura $ 7150 muna 2017, kana $ 7350 muna 2018).
Zvikonzero Zvokusarudza Purogiramu yeBronze
Mukusarudza hurongwa hwehutano, kana chinonyanya kukosha kwauri iwe mubayiro wepamwedzi wepamwedzi, hurongwa hwehutano hwemhangura hunogona kuva sarudzo yakanaka. Kana iwe usingatarisiri kushandisa yako yehutano inshuwarisi yakawanda kana kana huwandu hwekugoverana mari huri muurongwa hwebhandi hahusi iwe, chirongwa chehutano chebhuroni chinogona kukodzera chikwereti.
Kana iwe uri pasi pe30 uye usingakodzeri kubhadhara mari yepayimusi, unogona kuona kuti chirongwa chinoparadza chinopa mwero wepamwedzi wepamwedzi, pamwe chete nehuwandu huri pasi hwezvinokosha (zvirongwa zvinotyisa hazvina kukosha kwezvinokosha zvinowanikwa nenzira yesimbi zvirongwa zvinoshanda, dzinofanira kunge dziine zvigadziri zvayo pasi pemakumi matanhatu kubva muzana, kunyange zvazvo dzinofanirwa kuvhara zvitatu zvekushanya kunoitwa gore negore uye kubatana nemiganhu yakafanana yepamusoro yezvinotengeswa kunze kwezvimwe zvirongwa).
Kana uine makore anopfuura makumi matatu, kunyange zvakadaro, iwe haugoni kutenga chirongwa chinoparadza pahutano hwehutano inshuwarheni kunze kwekuti iwe une chikwangwani chekuregererwa kwehutano yehutano. Uye rubatsiro rwepakutanga harugoni kushandiswa kune zvirongwa zvinotyisa, izvo zvinoita kuti vave chisarudzo chisina kunaka kune vanhu vakawanda vanofanirwa kubhadharwa mari yepayimusi.
Zvikonzero Zvokusasarudza Purogiramu yeBronze
Usasarudza hurongwa hwehutano hwemhangura kana iwe uchida hurongwa huripo huripo huzhinji hwehutano hwako hwekutarisira. Kana iwe unotarisira kushandisa utano hwako hwehutano huzhinji, kana iwe haugone kuwana mari yakakura, coinsurance, uye zvigadziriswa, urongwa hwebhandi hungave huri iwe.
Kana iwe uchikodzera kugoverana mari-mari nekuti mari yako inowanikwa 250 muzana ye federal poverty level kana kuti yakaderera, unogona kungowana kugovana-kubhadhara mari kana ukasarudza chirongwa chesirivha-tier. Iwe haugoni kuwana mari yekugoverana mari yaunokodzera iwe kana ukasarudza hurongwa hwebhandi.
Kugovana-kubhadhara mari inoshandiswa kunoita kuti iwe weductible, copays, uye coinsurance inoderedzwa kuitira kuti iwe ubhadharwe zvishoma kana uchishandisa utano hwako hwehutano. Zvechokwadi, mari yekugovana-mari inowedzera mari inowedzera kukosha kwesarudzo yako yehutano pasina kuwedzera miriyamisi yemwedzi. Zvakafanana nokuwana kusununguka kwepachena pane kukosha. Iwe haugoni kuwana shanduro yakasununguka kana ukasarudza chirongwa chemhangura.
> Sources:
> American Academy of Actuaries. Actuarial Value for Health Insurance Vatengi. April 1, 2013.
> Dhipatimendi Rezvoutano uye Human Services. Mucherechedzo kuchengetedzwa uye kutengesa zvakanyanya kuchengetedzwa kweMutemo, Market Market Stabilization . April 2017.
> Federal Register. Murwere Anodzivirirwa uye Anogadziriswa Kuchengetedza Mutemo, Chiziviso Chekubatsira uye Kubhadhara Zvikamu zve 2017. March 8, 2016.
> Federal Register. Murwere Anodzivirirwa uye Anogadziriswa Care Care Act; HHS Chinyorwa cheBatsiro neZokubhadhara Zvikamu zve 2018; Kugadziriswa Kunyoresa Kwemazuva Akazotevera uye Mutengi Akashandiswa uye Akarongeka Zvirongwa Purogiramu. December 22, 2016.