Vhura Mazuva Ekunyora Mavhesi
Kuvhura kunyoresa nguva yenguva gore negore apo iwe unogona kunyora kunishuwarenzi yehutano. Kana iwe usingaregi kuishuwarenzi yehutano panguva yekunyora kusununguka, iwe unogona kunge usingakwanisi kubhadhara inshuwarhu yehutano kusvikira panguva inotevera yokunyora, kunze kwekuti iwe uwane chiitiko chakakodzera.
Kana iwe uchikodzero uye ukanyorera hutano inshuwarhu munguva yekunyora kuzarura, chirongwa chehutano chinofanira kukusimbisa.
Kambani haibvumirwi kushandura pasi kana kudikanwa uchapupu hwekusagadzikana, zvose zvingakonzera kuti zvive zvakaoma kuti iwe uwane inshuwarhu yehutano.
Ihupi Hwehutano Inishuwarenzi Sources Shandisa Nguva Yokunyoresa Nenguva?
Vhura nguva yekunyora yakajairika uye panzvimbo ye:
- Medicare
- Job-based health health insurance
- Mumwe nemusika wemishonga inshuwarano yehutano, semugumisiro weAne Affordable Care Act (kuverenga mawindo anoshandisa zvose muhutano hwehutano hwehutano uye kunze kwekutsinhana)
Rini Rwakareruka Kunyoresa?
Nguva yegore yekunyorwa kwakasununguka zvinoenderana neurongwa hwehutano hwehutano hwako hwaunosarudza:
- Medicare Inyoresi yakasununguka inomhanya kubva Kubvumbi 15 kusvikira munaDecember 7 gore negore. Cherechedza kuti izvi hazvisati zvichishandiswa kumiganhu yeMedigap, iyo isina gore rekunyora rusununguko. Medigap zvirongwa zvinowanikwa chete pasina rubatsiro rwechiremba panguva yekunyora kwako panguva yekutanga, kana panguva imwe chete yakanyanyisa nguva dzekunyora dzinoshandiswa kune zvirongwa izvozvo.
- Job-based health inshuwarisi yakasununguka nguva yakanyoreswa inoshandiswa neaunoshandira uye inogona kuitika chero nguva yegore. Zvisinei, inowanzo mumotsika kuitira kuti chiitiko chitsva chinotanga musi waJanuary 1 wegore rinotevera.
- Vhura kusungirirwa mumusika mumwe nomumwe (pane uye kunze-kushandura) zvakasiyana zvakanyanya mumakore mashomanana apfuura. Kutanga ne 2018 kuparidzirwa, purogiramu yokunyora yakasununguka yakagadzirirwa musi waNovember 1 kusvika kuDecember 15, uye zvirongwa zvose zvinobudirira munaJanuary 1 wegore rinouya. Saka kunyorwa kwakasununguka kwekugoverwa kwe 2018 kwakatanga munaNovember 1, 2017 uye kupera kwaDecember 15, 2017 (ine zvinyorwa mumatunhu gumi anoshanda ivo pachavo kugoverana ). Iyi ndiyo nguva yakafanana iyo yakarongerwa kushandiswa kwemakore anotevera zvakare. Kuzarura kunyoresa kwegore ra2018 kwakaratidza kuti nguva yokutanga yekunyorwa kwapera kupera kwegore idzva, uye kuronga kusarudzwa hakugone kuitwa mushure megore rinotanga (risati rasvika gore ra2014, kuverengwa kunowanikwa gore rose mumusika mumwe nomumwe, asi mune dzakawanda masangano anishuwarenzi kutsunga kugadziriswa kwakabva kune avo vanoita mishonga yezvokurapa, izvo zvaireva kuti vanhu vane mamiriro ezvinhu akambovapo vangave varambidzwa kuparidzirwa, kuti hazvizoitiki, nokuda kweAACA). Dzidza zvakawanda pamusoro pekunyora kuzarura mumusika mumwe nomumwe .
Kunyoresa Kunokosha Ndicho Chinhu Chisingatauri Kuzarura Kunyoresa
Inishuwarenzi mapurogiramu anoshandisa nzira yekunyora yakasununguka inewo zvimwe zvinokubvumira kunyora kunze kwekunyora kwakasununguka pasi pekuwedzera mamiriro ezvinhu, anowanzonzi zviitiko zveupenyu. Unozivikanwa sekunyorwa kwenguva yakakwana , chikamu ichi chinokubvumira kuti usayine inshuwarhu yehutano kana iwe warasikirwa neimwe yveshuwarhu yehutano nekuda kwako:
- kurasikirwa nebasa rako
- moved
- vakarambana kana kuroorwa
- akava chirikadzi kana murikadzi
- vakwegura kubva purogiramu yemubereki
- rega COBRA inshurenzi ipere
- vane mwana mutsva
Iwe haungakodzeri kubhadharwa panguva yakakosha kana iwe wakarasika imwe yveshuwarhu yehutano hwehutano nokuti iwe hauna kubhadhara miriyamisi yemwedzi, kunyange kana iwe uchida kubvisa chinyorwa chako chekutanga.
Cherechedza kuti kunyange zvazvo zviitiko zvinokodzera uye nguva dzekunyoresa zvakananga mumusika mumwechete zvakafanana kune izvo zvakambove zviripo kune vashandi-zvakarongwa, hazvina kufanana. Heano mutsara unoreva zvakananga nguva dzekunyoresa zvakapetwa mumusika mumwe nomumwe, uye pane-kushandiswa-kushandura.
Ndeapi Marudzi Ehutano Inishuwarenzi Usashandisa Kuverengwa Kwakasununguka?
Vakawanda vehutano vehutano muUnited States vanoshandisa chirongwa chekunyora chekunyora chinogadzirisa kusainika kune imwe nguva gore negore.
Pano pane zvimwe zvisiri izvo:
- Medicaid , iyo-state-based health inshuwarisi, hairegi kuzvinyoresa kusvika pakunyoresa nguva yakasununguka. Kana iwe ukafanirwa neMedicaid, unogona kunyora chero nguva.
- CHIP , hurumende yeUnited States yeHealth Health Insurance Program, hairevi kunyora kune imwe nguva, zvimwe.
- Inishuwarenzi yekufamba haisi pasi pemirairo yekunyora, kana. Pamusana pemazuva mashoma ekufamba kweinishuwarenzi yekutenderera, havawanzozviisa pasi pakunyoresa. Zvisinei, mamwe makambani einishuwarenzi ekufambisa anoita kuti iwe uwane kukwanisa kutenga inshuwarisi yekutenderera kune imwe nguva nguva pfupi mushure mekunge maverenga mafirimu enyu.
- Nguva shomanana yehutano inshuwarhu haishandisi nguva yekunyora yakasununguka kana. Kufanana neinishuwarenzi yekufamba, inshuwalisi yenguva pfupi haisi kutongerwa neAACA, uye zvirongwa zviripo gore rose mumatunhu anovabvumira. Mutemo mutsva muna 2017 unogadziriswa hurongwa hwenguva pfupi husingagoni kudarika mwedzi mitatu murefu, asi mutemo iwoyo unotarisirwa kuchinjwa pasi pemitemo mitsva iyo iri kuongororwa nehurumende yehurumende (mitemo yekare yaibvumira zvirongwa zvenguva pfupi kuti zvivepo kusvika mumazuva 364; iyo mirayiridzo inogona kudzorerwa, kana kuti pangava nemitemo mitsva zvachose, asi mwedzi mitatu yemwedzi inenge yava kuda kuparadzwa).
- Mune zvimwe zviitiko, supplemental insurance products . Supplemental zvirongwa zvehushuwarisi zvinotengeswa kuvanhu zvinowanikwa gore rose. Asi kana wako waunoshandira achipa rubatsiro rwekuwedzera inshuwarisi, mukana wako wekunyora unogona kunge wakakwana kune nguva yaunoshandisa yevanyori.
Mamwe Mikana Yokunyora Yakasununguka
Vashandi vakawanda vanokubvumira kuti iwe usayine kana kuti uchinje mamwe maitiro-based inobhadharo paunyoresa pachena, zvakare. Kazhinji, iwe unongobvumirwa kuita shanduko idzi panguva yekunyora. Somuenzaniso, unogona ku:
- kuisa shanduro yekushandisa yakajeka kana nhoroondo yekuchengetedza utano
- chinyoresa, kana kugadzirisa mari, inshuwarisi yehutano, inshurensi yekuremara, inshuwarisi yemuono, inshuwarisi yemeno, yerishuwarenzi yemutemo, supplemental inshumo yekubatsira , nezvimwewo.
Uyewo Anozivikanwa Se: kuverengwa kwegore negore, kunyorwa kwegore negore kunobatsira
> Sources:
> Dhipatimendi reZvipatano neHuman Services, Final Notice yeZibatsiro uye Zvokubhadharwa Kwemari ye 2018 . December 17, 2016.
> Internal Revenue Service, Zvisina Kubatsirwa; Upenyu Hwese uye Zvikamu zvegore negore; uye Yenguva Pfupi, Yakawandisa Nguva Inoshuwarenzi . 2016
> Norris, Louise. washingtoninfo.org. Kutungamira Kunyoresa Zviitiko Zvimwe MuMusika Wega. February 2017.
> Office of Information and Regulatory Affairs, Office of Management uye Budget. > Pfupi-Pfupi > Yakawandisa Nguva Inoshuwarenzi (CMS-9924-P). Ongororo yakapedzisa 2/7/2018.