Minimum Essential Coverage: ACA Terminology Iyo Inowanzowanidza
Iwe ungangodaro wakanzwa izwi rinotarisirwa rinokosha rinokosha, uye iwe unogona kuziva kuti inobva kune Inotengeswa Care Act (ACA). Asi kana iwe wakafanana nevanhu vakawanda, ungangodaro unofunga kuti zvakasiyana sei nedzimwe mazwi akafanana, se "ACA-inoenderana nekuvhara" uye "zvishoma kukosha." Saka ngatitsvake kuti zvinorevei kuva nehuwandu hunokosha hwekugovera, uye nei zvichikosha.
Chii Chinonzi "Minimum Essential Coverage" Chinorevei?
Zvishoma zvishoma zvinokosha kugoverwa zvinongorondedzerwa sehuwandu hunofanirwa huchigamuchirwa mukuzadzisa kweAACA yaanogoverwa mutoro wekugovera-iyo, mutemo wega wega. Mune mamwe mazwi, chero bedzi iwe uine zvishoma zvakakosha kuparidzirwa panzvimbo, hausi pasi pekutongwa kweAAC kumunhu mumwechete (kunyange kana iwe usina uwandu hunokosha huripo, hauzovi pasi pechirango kana iwe uchikodzera nokuda kwekuregererwa , asi izvozvo hazvina kufanana nekuve nekushambadzira kunokosha).
Zvakakosha kunzwisisa kuti kubhadhara hazvirevi kuti kuve neAACA-inoenderana kuitira kuti ionekwe kuti inonyanya kukosha kukosha.
Chii Chinopupurira Chechidiki Chinokosha Chinhu?
Pane zvirongwa zvakasiyana-siyana zvinotaridzika sehuwandu hunokosha hwekugovera, uye nokudaro kugutsa hurumende yeAACA. Kana uine imwe yemhando inotevera ye inshuwarisi, iwe unofungidzirwa wakavharwa uye hauzovi pasi pekubhadhara mutero wekusaiswa uninsured:
- Bhuku rakapiwa nemushandirwi, kusanganisira kubudiswa kweCOBRA uye zvirongwa zvehutano hwekurasikirwa
- Nharaunda yawakawana kuburikidza neCAA kushandiswa munyika yako
- Coverage pasi peAACA Basic Health Program ((Minnesota neNew York chete ine zvirongwa zvakadaro)
- ACA-inoenderana nekugadzirisa kwawakawana kunze kwekutsinhanisa (zvakananga kubva kune inshuwarisi, kana kuburikidza nesarudzo kana mutengesi)
- Zvikuru zvehutano zvirongwa (zvirongwa zvakatanga kushanda pashure pekuti ACA isayinwe mutemo munaMarch 2010, asi zvisati zvaitwa neAACA zvakagadzirwa muna 2014). Zvirongwa izvi hazvikwanisi zvizere neAACA, asi vakabvumirwa kugara vari munzvimbo dzakawanda.
- Zvirongwa zvehutano hwakakura (zvirongwa zvakanga zvatoitika apo ACA yakasayirwa mumutemo muna March 2010 uye haina kuchinjwa kubva ipapo). Zvirongwa izvi hazvikwanisi zvizere neAACA, asi vanobvumirwa kuramba vari munzvimbo dzisingagumi, munyika dzose.
- Inishuwarenzi yehutano yevadzidzi yakagamuchirwa sechinhu chiduku chinokosha kugoverwa
- Medicare Chikamu A kana Medicare Kubatsira (iwe unogonawo kuva ne Medicare Part B , Medicare Part D , kana chirongwa cheMedigap , asi izvo hazvisi zvikamu zvinonzi zvishoma nezvishoma zvakakosha zvinokosha)
- Vana Health Health Program (CHIP)
- Most Medicaid coverage
- TRICARE (mauto) kuvhara, Nonappropriated Fund Health Benefit Program yekugoverwa, uye yakazara Veterans Administration (VA) kugoverwa
- Refugee Medical Assistance
- Ita huwandu hwehuwandu hwekudzivirira dzimba (mune zvinyorwa zvichishanda dzimba dzakawanda)
Mamwe maitiro ehutachiwana anokosha ekugoverana anowirirana neAACA, kusanganisira zvirongwa zvinotsigirwa nevanoshandira (kunyange zvazvo mitemo yeAACA yakasiyana nemakoronga makuru uye maduku maduku), uye zvirongwa zvemakethe zvakatangwa munaJanuary 2014 kana gare gare.
Asi mamwe mhando dzehuwandu hunokosha hwekugovera hazvienderani neAACA, kana kuti dzakanga dzisinganyanyi kutongerwa neAACA. Izvi zvinosanganisira zvikwata zvemahombekombe uye zvizvarwa zvakawanda, madhara makuru, uye Medicare neMedicaid (kune mamwe ACA mazano anoshanda kune mamwe emhando idzi dzekuparidzira, asi kwete kusvika pakatarisa kuti urongwa hwevanhu nehudiki huri kurongwa).
Saka chokwadi chokuti chirongwa chako hachikwanisi kusangana nemirairo yeAACA kutevera, kana kutangira nguva iyo ACA, hazvireve kuti haisi yepamusoro inokosha kukosha. Kana usina kusava nechokwadi, chengetedza neurongwa wako mutungamiri kuti uwane chokwadi.
Ndezvipi Zvisingaverengi Sekidiki Chinokosha Chinhu?
Pakati pese, kuparidzirwa uko kusati kwanyatsoonekwa hakusi kunotarisirwa kukosha kunokosha. Saka zvirongwa izvo zvakagadzirirwa kuwedzera mamwe ekugoverwa, kana kuti kupa zvishoma zvingabatsiri, hazvifungidziri zvishoma zvakakosha kugoverwa. Kana iwe uchitendeseka pane imwe yezvirongwa izvi sewe iwe pachako kugoverwa, iwe uchatungamirirwa nehana yeAACA chirango chairo kunze kwekuti iwe usingabhadharwi.
Mienzaniso yezvirongwa izvo zvisinganyanyi kukosha kugoverwa zvinosanganisira:
- Chinhu chipi nechipi chinoonekwa se "kunze kwekubatsirwa" pasi pe ACA, zvinoreva kuti haisi kutongwa nemutemo wehutano hwekuchinja. Izvi zvinosanganisira kumira-ndoga mazino uye maonero ekuonekwa, zvirongwa zvakagadziriswa-zvigadziriswa, hurongwa hwekugadzirisa matambudziko, zvirongwa zvekurwara zvakakomba, kuvhivha kwevashandi, nezvimwewo. Muzvizhinji, kunze kwezvikomborero hazvina kumbogadzirirwa kushanda semunhu chete anopa kugovera-ivo aifanira kuwedzera "chaiyo" yehutano inshuwarano chirongwa.
- Zvirongwa zvenguva pfupi zvehutano inshuwarano zvirongwa , kusanganisira kuvhara kwenguva pfupi kunopiwa kune vachangobva kudzoka veKugare Corps Volunteers.
- Zvigaro zvishoma zvigaro Medicaid zvirongwa (kugoverwa kunongogumira kurongwa kwemhuri bedzi, kana kungoita zvekuita pamuviri-kana kutarisirwa chete, zvimwewo). Iwe unogona kusarudza nyika yako peji ino uye ichakuratidza kuti Medicaid chinyorwa chinorevei sezvinonyanya kukosha kugoverwa, uye izvo zvisingaiti.
- AmeriCorps kugoverana (chirongwa chacho chiri kutarisira pakupedzisira kuvandudza ruzivo rwayo kuitira kuti rwuve rucharangarirwa kuti hutachiona hunokosha hunokosha)
Chinhu Chinokosha Chinokosha Chinoreva Chinhu Chimwe Chete Chechidiki Chaicho Chinhu Chinokosha?
Chinhu chiduku chinokosha uye zvishoma zvishoma zvinotarisirwa kugoverwa zvose zviri mumashoko akaiswa neAACA. Uye kunyange zvazvo zvichitaura zvakafanana, zvinoreva zvakasiyana.
Sezvinorondedzerwa pamusoro apa, zvishoma zvinotarisirwa kugoverwa ndezvekugoverwa kunozadzisa dare reAACA. Zvisinei, kukosha kwehuwandu, zvisinei, kune chokuita nemutemo wemushandi wemushandi .
Pasi peAACA, vashandi vane makumi mashanu kana vatatu venguva yakazara vashandi vanofanirwa kupa hutano hwehutano panguva yavo yakazara (30+ maawa nevhiki) vashandi. Kuti uite maererano nehurumende yevashandi uye udzivise kutengesa mitero, kune mitemo miviri inokosha inoshandiswa maererano nemashoko ekuzvidzivirira pachayo pachayo:
- Imari yepuraimari inofanirwa kuve yakakwanisika (iyo inoreva kuti inodhura mushandi haasi yepamusoro pe 9.56 kubva muzana yemari inowanikwa mumhuri muna 2018, nokuda kwekushandiswa kwevashandi chete ).
- Iko kugoverwa kunofanirwa kupa huwandu hunokosha , zvinoreva kuti huchafukidza huwandu makumi matanhatu kubva muzana hwemari yezvokurapa kwehuwandu hwevanhu, uye kupa "huwandu" hwekuchengetwa kwezvipatara uye zvechiremba.
Vashandi vanowanzopa zvirongwa zvinopa huwandu hunokosha, zvose nokuti zvirongwa zvakarongwa nevashandirwi zvakagara zvisinganyatsogoni, uye nokuti vashandi vanoda kudzivisa mushandi wekutonga chirango. Kuburitswa kwebashandi-basa kunotaridzirwawo kunokosha kugoverwa kunokosha, asi zvakajeka kuti mazwi maviri ane zvinoreva zvakasiyana.
> Sources:
> Centers for Medicare uye Medicaid Servies. Nzvimbo yeVatengi Ruzivo uye Inishuwarenzi Kutarisa. Minimum Essential Coverage VaPomeri Vanogamuchira Kubvumirwa , Gumiguru 12, 2017.
> Centers for Medicare neMedicaid Services. Nzvimbo yeVatengi Ruzivo uye Inishuwarenzi Kutarisa. Minimum Essential Coverage Categories.
> HealthCare.gov. Verengai Mutengo Wakanaka Wekuita Mutemo (Nyaya Yese yeChechi Chinodiwa Nekutarisira Mutemo uye Reconciliation Act).
> Internal Revenue Service. Mumwe Mutoro Wekugoverana Mumwechete Zvigadzirwa-Minimum Essential Coverage.
> Internal Revenue Service. Revenue Procedure 2017-36 .