Hurumende imwe neimwe ine yechitsvaga uye iyo yose yakasiyana
https: // www. / actuarial-value-and-your-health-insurrection-4147819 Sezvo chikonzero che Affordable Care Act, chakasayirwa kuva mutemo muna March 2010 naMutungamiri Obama, humwe hurumende ine hutano hwehutano inshuwarheni. Iko kushamwaridzana kwakavepo kuwanika kushandiswa muna Gumiguru 2013, uye yakashanda kubvira apo senzvimbo yevanhu vanozotenga padziviriro, mararamiro ehutano hwehutano hwehutengesi (mumusika mumwe nomumwe unobatsira vanhu vanoda kutenga yavo yveshuwarisi nokuti havana kuwana kugoverwa kubva kumushandi kana purogiramu yehurumende seMedare).
Vamwe vanhu vanofanirwa neMedicaid vanogonawo kunyoresa kuburikidza nekukwikwidzana, kunyange izvi zvichienderana nechikonzero icho munhu wacho Medicaid-akakodzera, sezvo kunyoresa kunoshandiswa zvakasiyana kune vanhu vanofanirwa kubva chete pamari, kune avo avo vanofanirwawo kunowirirana nezvimwe zvikonzero, sekuzvitakura kana kuremara.
Uye boka diki rinoronga mabhizimisi maduku anowanikwa kuburikidza nekukwikwidzawo, kunyange zvazvo chikamu icho chemisika yavo chave chichikwevera vashomanana vanyori, uye hurumende yehurumende yakashuma muna May 2017 kuti havachazoshandisi hurongwa hwekunyora kwebhizimisi maduku (inoshandiswa mumitemo 33 kubvira muna 2017) mushure mekupedzisira kwe 2017. Pane kudaro, kutanga muna 2018, mabhizimisi maduku mumatunhu iwayo anyoresa zvakananga kuburikidza nemakambani einishuwarenzi kana nekubatsirwa kwevatengesi, uye kubhadhara mari yebhadharo kuvatsigiri vehurumende panzvimbo yekuita mari yepamusoro kuburikidza nekutsinhanisa.
Iko Kunopatsananguka Kunyoresa Portals
Zvakakosha kunzwisisa kuti kugoverana kunongova chikwata chekutenga chinyorwa.
Kana ukatenga inshuwarano yehutano neCovered California, somuenzaniso (kushandiswa kwenyika muCalifornia), Covered California haisi yekambani yako ye inshuwarisi. Pane kudaro, kambani yako ye inshuwarisi ichave Health Net kana Blue Shield, kana Anthem kana imwe yevamwe vatsigiri vega vega vanopa kugoverwa neCovered California.
Kunyange zvazvo inshuwarano yehutano yakanyanya kuoma kupfuura matikiti emotokari, funga nezvekushandura seforutiki seTravelocity kana Expedia. Inokuratidza iwe kushandiswa kweinishuwarenzi munzvimbo yako uye inokubvumira kutenga iyo yaunoda. Asi sezvo sokuti ndege yako ichagoverwa nemhepo yaunosarudza-kwete neTravelocity kana Expedia-inshuwarisi yehutano ichagoverwa nemubhadhara wega wega, kwete nekutengeserana.
Nyika dzaive nechisarudzo chekugadzira kushamwaridzana kwavo pachavo kana kuvimba nehurumende yehurumende kuti vaite shanduko kwavari. Vamwe vanoti vane kugoverana kwehuwandu huri kubatana pakati pehurumende uye hurumende yehurumende, kana kushandiswa kwenyika-iyo inoshandisa sangano rekunyorwa kwenyika (HealthCare.gov). Muna 2018, pane 12 zvizere zvematongerwo enyika, masangano mashanu ehurumende anoshandiswa ayo anoshandisa HealthCare.gov kunyoresa, sangano rezvematongerwo enyika matanhatu, uye kushandiswa kwemasangano makumi maviri nemasere.
Uye kujekesa imwe imwe pfungwa iyo dzimwe nguva inouyisa kuvhiringidzika, mazwi okuti "kushandura" uye "pamusika" anoshandiswa zvakasiyana. Asi izwi rokuti "misika" rinoshandiswa kakawanda. Nokudaro apo inshuwarhu yehutano inoshandiswa kana yemusika inoreva zvakananga kune portal munharaunda imwe neimwe iyo vanhu vanogona kushandisa kuenzanisa nzira dzakasiyana-siyana nekunyora, shoko rokuti "yehutano yveshuwarisi yemisika" inoshanda zvakanyanya zvakanyanya, uye inogona kusanganisira zvirongwa zvekutsinhana-shanduka uye mushandi- zvirongwa zvinotsigirwa pamwe chete nemarongerwo makuru uye zvirongwa zvakawanda.
Chinangwa chekushandisirwa kwehutano inshuwarano ndekuita inshuwarano yehutano inotengesa uye yakaoma kutenga.
Premium Subsidies uye Mari-Kugoverana Kubatsirana: Inowanika muKushandura
IAACA inosanganisira premium rubatsiro (premium tax credits) uye kubhadhara mari dzinobatsirana (kugovana-kudhura kunodhura) kuisa premium zvakanyanya kutengesa uye kuderedza mari yekunze yekuti mari inotarisana nevamwe. Izvozvi rubatsiro kune mari-uye inowanikwa kune vose vanotora mari yakaderera uye yepakati-kati.
Mhando dzose dzekubhadhara dzinowanikwa chete kana iwe ukatenga kutenga kwako kuburikidza nekutsinhanisa. Kunyange kana zvakanyatsorongwa zvirongwa zviripo-kushandiswa (zvakananga kubva kune kambani yveshuwarenzi), iwe unofanira kubhadhara mutengo wakakwana kana iwe wakatenga chero kupi zvako kunze kwekutsinhanisa.
Uye kunyange zvazvo hurumende yekubhadhara mari yekudhura kugoverwa yakabviswa pakuwa kwe 2017, kubatsirwa kwekugovana-kudhura kunowedzera kuwanika kune vanyoresa vanotenga zvigadzirwa zvegoridhe mukutsinhanisa uye vane mari inowanikwa mumitemo yekufanirwa kugoverwa mari yekugoverana mari (kureva,, kwete 250 kubva muzana yehurombo, uye kwete pasi pe100 muzana yehurombo huri mumamiriro ehurumende asina kuwedzera Medicaid, kana kuti 139 muzana yehurombo huri mune hurumende dzakawedzera Medicaid).
Ndiani Angashandisa Kugoverana?
Vose vagari vemuUnited States uye vagari venyika zviri pamutemo vasina kuiswa mujeri uye vasingakwanisi kupiwa premium-isina Chikamu A Medicare vakakodzera kutenga chirongwa chehutano mukushandura munyika yavanogara. Vasingatauri vanoenda kune dzimwe nyika havagoni kupinda muchikwata kuburikidza nekukwikwidzana, kunyange pasina kubhadhara rubatsiro .
Mabhizimisi maduku anogonawo kutenga kugoverana muchitsinhanisi; muhurumende dzakawanda, izvi zvinongogumira kune mabhizimisi ane vashandi vanosvika makumi mashanu , kunyange zvazvo kune mashoma mashomanana (California, Colorado, New York, uye Vermont) apo mabhizimisi ane vashandi vanosvika 100 vanogona kushandisa shanduro kuti vawane kuchengetedza. Cherechedza kuti muhurumende iyo inoshandisa shanduko shoma reBreatCare.gov, kushandurirwa hakusi kunyora kuverenga, uye panzvimbo iyo kune mabhizimusi anyoresa zvakananga nevanishuwarenzi.
Somugumisiro weGrassley Amendment muAACA, Congress nevanoshanda navo vanofanirwa kuwana ruzivo rwekutsinhana. Kuti vagone kuita zvinodiwa izvi uye vanoona kuti Congress nevanoshandira havana kurasikirwa nemipiro yevashandi vehurumende, hurumende yakagadzira basa rinoita kuti Congress nevanoshanda vabatanidze mapoka maduku mashoma kuburikidza nekushandurwa kwehurumende muDunhu reColumbia (DC Health Link) . DC Health Link yakataurwa munaApril 2017 kuti vanenge 11 000 veboka ravo duku vakanyorera vaiva nhengo dzeCongress nevashandi vavo.
Rimwe-Stop Shopping uye Information Resources
Chimwe chikomborero chikuru chekushandisirwa kwehutano inshuwarano ndechekuita kuti zvive nyore kwauri kuenzanisa zvingasarudzwa uye kunyora muurongwa hwehutano. Mimwe yenzira dzinoshandiswa pakugoverana dzinokurudzira kusarudza uye kukwikwidza zvinosanganisira:
- Zvirongwa zvehutano zvirongwa mu zip code yako zvakanyorwa pawebsite yakachengetedzwa nehurumende yako kana hurumende yehurumende. Panzvimbo ino, unogona kudzidza nezvehutano hwehutano hwepano uye mari, uye unyore.
- Kana iwe uine kukwana kusvika paInternet, shanduro inogona kukupa ruzivo kuti iwe uwane ruzivo uye zvinyorwa zvekunyoresa kuburikidza nemeyili uye munzvimbo dzakasarudzwa nevanhu panzvimbo yako; kune mu-munhu anotsigira zviripo munyika yose panguva yekunyora kusununguka gore roga roga kuti zvive nyore kunyora kune vanhu vanosarudza chiso nechiso rubatsiro.
- Kubvumira kuti zvive nyore kuenzanisa zvirongwa, kugoverana kunofanira kushandisa fomu yakazara, tsanangudzo, uye zvinhu zvekutengesa. Iwe unogona kunyora paIndaneti, iwe pachako, nekutumira kana nefoni.
- A call centre kuti uve nechokwadi chekushumira zvakanaka kwevatengi
Health Plan Plan Zvipo
Kana iwe uchitenga inshuwarenzi kuburikidza nekushandura, iwe uchakwanisa kusarura hutano hwehutano hwakakosha iwe nemhuri yako. Zvose zvezvirongwa zvehutano zviripo zvinosanganisira zvikamu zvinokosha zvezvikomborero zvinopa hutano hwehutano hwehutano hwakasiyana nehutano hwakasiyana hwekugovana-mari.
Uyewo, gore rega rega -re-rekubhadhara mari (zvakaderedzwa, zvinyorwa, uye coinsurance) zvinongopedzerwa nemari yakaiswa nehurumende yehurumende gore rega rega. Muna 2018, mahombekiti akawanda emunhu mumwe chete ari $ 7,350 kune mumwe chete, uye $ 14,700 yemhuri. Zvirongwa zvinogona kuva nemiganhu ye-out-of-pocket zvakanaka pasi pemari iyi, asi kwete pamusoro pavo.
Zvose zvirongwa zvinotengeswa muchitsinhanho zvinokodzera mune chimwe chezvikamu zvishanu zvinotevera :
- Bronze Purogiramu: Inovhara muvhareji we60 muzana yemari yehutano hunokosha hwehuwandu hwehuwandu hwevanhu.
- Chirongwa cheSirivha: Inovhara mavhareji ezana makumi manomwe emazana emari yezvakakosha zvehutano hwehuwandu hwehuwandu hwevanhu.
- Kuronga Kwegoridhe: Inovhara muvhareji yezana makumi mapfumbamwe ematatu emari yezvakakosha zvehutano hwehuwandu hwehuwandu hwevanhu.
- Platinum Plan: Inosvika pavhareji ye 90 muzana yemari yezvakakosha zvehutano kune huwandu hwevanhu.
- Dambudziko Rakaipa: Inotarisa avhareji ye60 muzana yemari yezvakakosha zvehutano kune huwandu hwehuwandu hwevanhu, uye inosanganisira mamwe mahofisi ehurumende uye kuchengetedzwa kwekuchengetedza vasati vatsaurwa. Zvose zvinoshanda kune zvakabviswa, uye zvinongowanikwa mushure mekunge zvasangana. Zvirongwa zvinoparadza zvinongowanikwa kune avo kusvika kune makore makumi matatu kana makumi matatu kana kune avo vanokodzera kubhadhara kunetseka kubva kumutemo wekutenga kugoverwa
Cherechedza kuti mumatunhu akawanda, kune -4 / + 2 de minimis yakabvumidzwa kuti ive yegoridhe, yegoridhe, uye platinum zvirongwa, uye -4 / + 5 de minimis mararamiro anobvumira zvirongwa zvendarira. Saka chirongwa chegoridhe chinogona kuvhara pakati pe 76 muzana uye 82 muzana yevhareji mari, uye chirongwa chendarira chinogona kuvhara pakati pe 56 ne65 muzana yemari.
> Sources:
> Centers for Medicare neMedicaid Services. Remangwana reS SHOP: CMS Inotarisira Kubvumira Mabhizimisi Maduku mu SHOPs Kushandisa HealthCare.gov Kuwedzera Kunzwisisa paunyoresa kuHealthcare Coverage. May 15, 2017.
> Centers for Medicare neMedicaid Services. Nzvimbo yeVatengi Ruzivo uye Inishuwarenzi Kutarisa. State Specific Rating Kusiyana. June 2, 2017.
> Dhipatimendi Rezvoutano uye Human Services, Mushonga Kudzivirirwa uye Anogadziriswa Care Care Act, Market Stabilization . April 13, 2017.
> Federal Register, Mutevedzeri Kudzivirirwa uye Zvisingakwanisi Kutarisira Mutemo; HHS Chinyorwa cheBatsiro neZokubhadhara Zvikamu zve 2018; Kugadziriswa Kunyoresa Kwemazuva Akazotevera uye Mutengi Akashandiswa uye Akarongeka Zvirongwa Purogiramu. December 22, 2016.