Sirivha Kuronga Inopa 70 Percent Actuarial Value
Mune mararamiro evanhu vehutano nehutano hudiki , chirongwa chehutano chesirivha chinobhadhara, paavhareji, inenge 70 muzana yehutano hwemari yako. Iwe unobhadhara mamwe makumi matatu ematatu ehutano hwako hwehutano maererano nemari yekubhadhara mari , coinsurance uye zvigadziriswa.
Izvi zvinozivikanwawo seine 70% yechokwadi actuarial , kana AV. Izvi hazvirevi kuti iwe, iwe pachako, uchawana 70 muzana yehutano hwako hwehutano hwakabhadharwa nemari yako yegoridhe.
Pane kudaro, urongwa hunobhadhara makumi manomwe kubva muzana yehuwandu hwemari yehuwandu hwevanhu. Asi ivo vachabhadhara chikamu chakaderera chemazana emari yevanhu vanoratidzira vane hutano hushoma hutano hwekushandisa, apo ivo vachabva vazobhadhara zvakapfuura makumi manomwe kubva muzana yezvikamu zvacho zvekuti munhu anorwara zvikuru anokwira mamiriyoni emadhora muzvikwereti .
Cherechedza kuti kunyange zvazvo chirongwa chesirivha chichava neAV inenge makumi manomwe kubva muzana, kune zvigamuchirwa zve minimus range, sezvo zvingave zvakaoma zvikuru kuvatsigiri vehutano kugadzira zvirongwa zvakakunda 70% yeAV. Kubva muna 2017, the de minimus range yaiva +/- 2, saka zvirongwa zvesirivha zvaive neAV mumakero 68 kusvika 72 muzana. Asi munaMuvhuro 2017, HHS yakagumisa mitengo yakagadziriswa yemakemikari inowedzera kumucheto kwakadzika kwezera, zvichiita kuti zvirongwa zvesirivha zvive neAV chero ipi zvayo kubva pa66 kusvika ku72 muzana.
Zvisingabatsiri kutarisirwa kwehutano mari hazviverengi kana uchitarisa hurongwa hwehutano hwehutano.
Semuenzaniso, kana chirongwa chako chesirivha-tier yehutano isingatauri kuvhara mishonga inopfuura-in-counter , mutengo wavo hauna kubatanidzwa kana uchiverenga kukosha kwepurogiramu yako. Kunze kwe-network services hazvirevi, uyewo hazvirevi kuti hazviiti pasi pemutsara weAACA wezvinodiwa zvehutano hunokosha .
Inotengeswa Nechirongwa Chekuchengeta Nheyo dzeZvibatsiro Zvakakosha
Kuita kuti zvive nyore kwauri kuti uenzanise kukosha kwauri kuwana mari yaunoshandisa pamishonga yehutano yemishonga yehutano , iyo inogadziriswa Care Act yakaenzana yehuwandu hwehutano hwezvirongwa zvehutano mumakambani emunhu mumwechete uye maduku. Aya mazinga, kana matatu, ndeaya:
- bronze
- sirivha
- ndarama
- platinum
Zvose zvehutano hwehutano mune imwe nzvimbo dzakapiwa dzinopa huwandu hwakafanana hukuru:
- Sirivha-mipiro inopa 70 muzana actuarial kukosha (nzvimbo ye 68 kusvika 72 muzana, ichiwedzera kusvika 66 kusvika 72 muzana muna 2018).
- Zvigadziri zvemhangura zvinopa 60 muzana actuarial kukosha (kureva 58 kusvika ku 62 kubva muzana, zvichiwedzera kusvika 56 kusvika ku 65 muzana muna 2018; zvirongwa zvendarira zvine -4 / + 5 de minimus range kubva muna 2018 ).
- Zvigadziro zvegoridhe zvinopa 80 muzana yezvinoarial kukosha (nzvimbo ye 78 kusvika 82 muzana, ichiwedzera kusvika 76 kusvika 82 muzana muna 2018).
- Platinum zvirongwa zvinopa 90 muzana actuarial kukosha (nzvimbo ye 88 kusvika 92 muzana, ichiwedzera kusvika 86 kusvika 92 muzana muna 2018)
Chii Chandichafanira Kubhadhara Nesirivha Kuronga?
Sirivha yepirati yehuvha inofanirwa kunge isingadhuri kupfuura goridhe kana platinum-tier zvirongwa sezvo zvigadzirwa zvegoridhe zvinotarisira kubhadhara zvishomanana kune zvigadzirwa zvehutano hwako.
Mukuwedzera pamishandiro enyu emwedzi pamwedzi, nguva imwe neimwe paunoshandisa utano hwako hwehutano, iwe unofanirwa kubhadhara mari-kugoverana sezvokuderedza, kubhadhara, uye copays .
Kuti imwe sarani yegoridhe inoita sei kuti iwe ubhadhe chikamu chako chezvikwereti chichasiyana. Semuenzaniso, imwe chirongwa chesirivha inogona kuva ne $ 4000 inokonzerwa pamwe chete ne20 muzana. Purogiramu yesirivha yekukwikwidza inogona kuva nechezasi ye $ 2 000 inotorwa, asi iri pamwe chete neyepamusoro coinsurance uye $ 40 copay yemirairo.
Asi kune vanhu vanotenga mimwe yemakethe mune zvekutsinhana uye vane mari pakati pe100 muzana yehurombo huwandu (138 muzana mumatunhu ayo akawedzera Medicaid) uye 250 muzana yehurombo, huwandu hwekugovana -kudhura (kugovana-kubhadhara mari) inowanika kuita mapiritsi esirivha-uye chete zvigadziri zvesirivha-vane AV yakakwirira kudarika 70 muzana.
Kune vanyori vanotora mari shoma, AV inowedzera kusvika kusvika 94 kubva muzana, zvichiita kuti zvive nani kupinda kune chirongwa cheplatinum, pasina mari yakawedzerwa kune iyo inyoresa (hurumende yehurumende inobhadhara vatsigiri vekubhadharira kupa iyi kubatsirwa).
Nei Ndichifanira Kusarudza Chirongwa CheSirivha?
Sarudza chirongwa chehutano chesirivha kana iwe:
- vari kutarisa kuenzanisa mari yekubhadhara mari yako yemwedzi nemari yekutora kwako kwemahomwe
- vanoda kuvhara mari yepamusoro yemari yegoridhe uye platinum zvirongwa , asiwo unoda kuzvizvidzivirira kubva mukana wekubhadhara zvinodhura zvakakwirira zvinowanzouya nemarongwa emabhandi ,
- vakakodzera kubhadhara mari-mari , nokuti iwe unofanira kusarudza chirongwa chesirivha-tier kuwana mari. Ichi ndicho chimwe chezvikonzero zvakakosha zvokusarudza chirongwa chesirivha. Kana mari yako isingadariki 250 muzana yehurombo (uye kunyanya kana isingapfuuri 200 muzana yehurombo uhu), chirongwa chesirivha pamwe nekubhadhara mari mari inogona kuve yakakosha iwe.
Kugovana- kubhadhara mari inobhadhara kunoderedza kuderedzwa kwako, copays, coinsurance, uye nechokunze chehomwe kuitira kuti iwe ubhadhara zvishoma kana uchishandisa inshuwalano yehutano hwako . Vanowedzera kukosha kwekugadzirisa kweurongwa hwehutano hwako pasina kukwidza mubayiro.
Sei Ndichifanira Kudzivisa Sirivha Pan?
Iwe haufaniri kusarudza chirongwa chehutano chesirivha kana:
- Iwe unoziva kuti iwe uchatora mari yakawanda yezvokurapa mukati megore uye uone kuti chirongwa chegoridhe kana platinum nechepasi chekunze kwehomwe yehomwe ichakuchengetedza iwe mari, kunyange apo kuverenga kwepamuhorosi yakakwirira.
- Iwe uri kuedza kukugadzirisa mari yako nguva dzose iwe uchishandisa utano hwako hutano-zvakare, chirongwa chegoridhe kana platinum chinogona kunge chiri chakanaka.
- Kana ukashandisa utano hwako hwehutano huzhinji uye uchiziva zvisati zvaitika iwe kunze kwemari yezvokudhura zvinopfuura kudarika kwekunze kwehomwe, unogona kukwanisa kuchengeta mari nekusarudza chirongwa chemhangura-chengetedze nemamwechete- muhomwe huru asi mihoro mikuru . Zvose zvegore negore zvese zvehomwe mari zvichave zvakafanana, asi iwe uchabhadharira mari shoma shoma.
- Iwe hauna kukodzera kubhadhara mari mari uye unofungidzira zvishoma zvishoma muhutano hwehutano munguva yegore rinouya. Ronga hurongwa hwemhangura inogona kuva yakanakisisa yako, sezvo ichava nemapurayamisi maduku kupfuura chirongwa chesirivha, mukutengeserana kwekushambadza kwakanyanya.
Iwe unogona kuverenga zvakawanda pamusoro pekuti nzira iyi inoshanda sei, " Nzira Yokuchengetedza Sei PaInishuwarenzi yehutano kana Unosvika kunze kwePocket Maximum ."
> Sources:
> Dhipatimendi Rezvoutano uye Human Services. Murwere Anodzivirirwa uye Anononoka Kuchengetedza Mutemo: Misika Yakadzika . April 2017.
> HealthCare.gov. Verengai Mutengo Wakanaka Wenyu. Chikamu 1402.