Tsanangudzo
Utano hwehutano inshuwarheni, zvichizivikanwa sehutano inshuwarheni Marketplace, iyo inofanirana-nzvimbo yekutengesa yehutano inshuwarisi . Pamwechete vehutano inshuwarisi makambani anonyora zvirongwa zvavo zvehutano pamwe nekushandura, uye vanhu vanofananidza nekutengesa kubva kune imwe yezvirongwa zvehutano huripo.
Mutsara wehutano inshuwarano yekushandura inowanzoreva kushandiswa kwehutano hwehutano hwehutano hunosimbiswa nehurumende nekuda kweAne Affordable Care Act , kunyange zvazvo kugoverana kwehutano hwehutano hwehutano huriko.
Kugoverana kwehutano wehutano yehutano inowanzogadzirirwa kushumira vashandirwi vakawanda vakakura, saka vanhu vazhinji vachasangana navo pavanopinda kushanda yehutano inshuwarisi. Nyaya ino inonyanya kutaura nezvekushandura kwehutano hwehutano hweAIDS.
Sangano rehutano hwehutano hwehutano hunoshandiswa kutenga maitiro ehutano ehutano hwehutano hwemhuri uye hwemhuri hunonzi Obamacare . Zvirongwa zvemapoka maduku zvinowanikawo mukukurukurirana kwevanhu vose, kunyange zvazvo kunyorwa kwose kwave kuri kugoverwa pamisika.
Kunyange zvazvo izwi rokuti Marketplace rinokurudzira chimiro chepfungwa chepanyama chaiyo apo vatengesi vanotsauka vachibva kune imwe nzvimbo kusvika padare vachicherechedza zvinhu zvavatengesi, vanhu vazhinji vanowana hutano hwehutano hwekutengesa neIndaneti. Chirongwa chikuru chehutano inshuwarheni, HealthCare.gov, inotungamirirwa nehurumende yehurumende, kushanda yehutano inshuwarhisi vanotengesa mumatunhu 39. Iyo dzimwe 11 dzinotaura uye District of Columbia imwe neimwe inotungamirana ivo pachavo.
Vanhu Vangani Vane Hupfumi kuburikidza neCAA's Exchange?
Nenguva yaDecember 23, 2017, kunyoresa muna 2018 kugoverwa kuburikidza nekukwikwidzana kwakamira kune vanhu vanosvika 11,5 mamiriyoni. Nenguva iyo kuzarura kwakasununguka kwapera mumatunhu akawanda, asi huwandu hwekutsvaga hurumende hwakanga huchiwedzera huwandu hwekunyora kusvika munaJanuary , saka nhamba dzakanga dzisati dzapera.
Kubva munaMarch 2017, kuverengwa kwekunyoresa mukutengeserana kwakamira pavanhu gumi nemamiriyoni gumi nezviviri . Kuverenga kunogadziriswa nguva dzose kunopfuvura nhamba yevanhu vanyoresa pakunyoresa kusununguka, sezvo kune nguva dzose vamwe vanhu vasingabhadhari premium yavo yekutanga kana kuti vanobvisa kubhadhara kwavo nguva pfupi mushure mekunge vanyora.
Mabhizimisi maduku anogona kunyora muzvirongwa kuburikidza nekukwikwidzana, asi kune vashoma kudarika 200 000 vanhu vakanyoresa mabhizinesi maduku emabhizimisi munyika yose-iyo yakawanda yeAACA shanduro inonyora inopararira mumusika mumwe nomumwe.
Kupi Utano Inishuwarenzi Inoshandiswa Basa
Kugoverana kwakagadzirirwa kuwedzera kukwikwidza uye nyore kuenzanisa kutenga. Makambani eInishuwarenzi anokwikwidzana nebhizimisi rako achishandisa Marketplace. Uku kukwikwidzana kwakananga kunoreva kuchengetedza mari yepuraimisi yehutano yehutano pasi. Misika inotadzisa kuenzanisa kwezvirongwa nekushandisa "maapuro nemaapuro" kusvika:
- Utano hwehutano hwehutano hwakapiwa kuburikidza nekukwikwidzana hunoita hutengo hwehutano hunokosha hwehutano.
- Utano hwehutano hwehutano hunopiwa hunofanirwa hunoenderana nemumwe wevanhu vana vanobatsirwa: bronze, sirivha, ndarama, uye platinum .
- Zvirongwa zvakarongeka zvinowanikwa mukutengeserana munyika dzakawanda. MuCalifornia's exchange, zvese zvarongwa izvi zvakagadziriswa.
Chirongwa chebumbiro rezvematongerwo enyika chinotsanangura kuwandisa kwemari yekuchengetwa kwehutano huripo huripo huchabhadhara, kana zvisingazivikanwi sezvinoarial kukosha (AV) yeurongwa. Iwe unogona kudzidza zvakawanda pamusoro pekuti mabatsiro aya anobatsira sei, " Bronze, Sirivha, Ndarama, uye Platinum-Kunzwisisa Metal-tier System ."
Kugoverana kunopa rubatsiro kuti rubatsire kubhadhara inshuwarhu yehutano. Kuparadzana kwehutano yehutano ndiyo chete nzira yekuwana mari yehurumende ( zvikwereti zvemari yepamusoro ) izvo zvinoita inshuwarheni yehutano inotengwa zvikuru kune veAmerica vane mari shoma. Iwe unogona kushanda kune hurumende yehutano yveshuwarenzi yehutano kuburikidza nehutano hwehutano inshuwarheni, uye rubatsiro runongowanikwa chete nehutano hwehutano hwakatengwa pahutano hwehutano inshuwarheni.
Dzidza zvakawanda nezvehutano hwehutano inshuwarheni mune, " Ndingakwanisa Here Kubatsirwa Kubhadhara Utano Woutano? "
Mukuwedzera kune kubhadhara mari yepamusoro, kugovana-kugovana-kubhadhara mari (inozivikanwawo sekudhura-kugovana mari ) inongowanikwa chete kuburikidza nekutengesana. Kana mari yako inokuita kuti uwane chikwereti-kugoverana mari uye / kana premium rubatsiro, iwe unoda kunyoresa kuburikidza nekukwikwidzana (kusiyana nekunyoresa zvakananga kuburikidza nekambani ye inshuwarisi) kuitira kuti ushandise rubatsiro rwezvinodiwa.
Kushandura kunobudisa zvikwereti zvekuregererwa. Kunyange kana iwe usingadi kutenga inshuwarhu yehutano, iwe ungaguma uine hutano nehutano hwehutano inshuwarano sezvo vamwe vehutano inshuwarheni rekuregererwa zvikwereti zvinongobva chete kuburikidza nehutano hwehutano kushandiswa (zvimwe zvinopiwa ne IRS panzvimbo). Kana iwe usina hutano yveshuwarenzi, asi iwe unoda kudzivisa mutero wemutero wekusaiswa uninsured, iwe unoda chikwata chekuregererwa . Tsvaga kana iwe uri kukodzero yekuregererwa kubva kumutemo wekutenga inshuwarisi yehutano mu " Ndingawana Unhu Hwokuvigwa KweInishuwarenzi yehutano Here ?"
Kuwana Utano Hwenyu Utano Inoshandiswa
Nyika yako inogona kushandura hutano hwehutano inshuwarheni yakadai seyomhanya neCalifornia, Covered California. Kana kuti, hurumende yako ingave yakasarudza kusagadzira inshuwarheni yehutano, kana kuti kugadzira shanduko asi shandisa sangano rekunyorwa kwehurumende. Muchiitiko ichocho, vagari vanoshandisa sangano rehurumende shanduko ku HealthCare.gov. Tsvaga kuti ungataurirana sei nehutano hwehutano inshuwarheni muhutano hwako, kana kuti vagari venyika yako vanoshandisa shanduko yehurumende yechitsinhanisi.
Kunyoresa muchitsinhanisi (uye kunze kwekutsinhanisa, pamusana pekugoverwa kwemakethe) kunongopera mahwindo ekunyoresa gore negore uye kuverengwa kwakakosha kunokonzerwa nezviitiko zvakakodzera. Vhura kusungirirwa kwegore ra2019 richava musi waNovember 1, 2018 munzvimbo dzose.
> Sources:
> Centers for Medicare neMedicaid Services. 2017 Kunyorwa kwakanyatsoitwa Snapshot . June 12, 2017.
> Internal Revenue Service. Mutoro wega wega wega Kugoverwa - Kuregererwa: Kudaidza kana Kuzivisa. 2017.