Iyo yakawanda kunze kwe-pocket ichaita 12,6% yakakwirira kudarika yaive muna 2014
Kana uine chirongwa chehutano chinowirirana neAne Affordable Care Act (ACA), mari yako yepamusoro ye $ 9,850 muna 2016. Kana uine vanhu vanopfuura mumwe chete chirongwa chako, mhuri yakabatanidzwa iri kunze kwehombodo inogona ' t inodarika $ 13,700, kunyange zvazvo chirongwa chacho chinofanira kunge chakabatanidzwa chiri kunze kwepamusoro pehomwe risingakwanisi kudarika $ 6 850.
Zvakakosha kunzwisisa kuti hurongwa hwako huri kunze kwehombodo hunogona kuva hwakaderera pane izvi zviyero ...
hazvigone kuve yakakwirira (kunze kwekuti iwe uine chirongwa chakaberekwa kana chikuru). Saka iwe unogona kunge uine mazano ane $ 1 000 deductible uye yakawanda kunze kwehomwe ye $ 4,000. Icho chiri mukati memirairo yemitemo, uye yakajairika, zvichienderana nesimbi yesimbi yesarongwa (zvirongwa zvebhandi zvinowanzova nepamusoro-pese-e-pocket maximums - kazhinji pamatunhu akakwirira - apo goridhe uye platinum zvirongwa zvinowanzoita vane yakaderera pasi-in-pocket maximums, kazhinji inenge yakadzika zvishoma kudarika iyo yakagadziriswa yepamusoro).
Chikwata chepamusoro chepamusoro pehomwe muna 2017
MunaFebruary 2016, Dhipatimendi reZvipatano neHuman Services (HHS) rakabudisa Bhizimusi neZvipo Zvokubhadhara zve 2017 . Mariri, HHS yakataurira nyaya dzakasiyana-siyana, kusanganisira kunze kwe-pocket marefu emiganhu.
Kubva muna 2017, HHS yakagadziridza mari yepamusoro ye $ 7,150 kune mumwe munhu, uye $ 14,300 yemhuri (yakaiswa mukati me-pocket maximums icharamba ichidiwa pamhuri zvirongwa).
Zvakare, kuchava nemiganhu yakawanda inowanika nechepasi pasi-ye-pocket maximums. Asi hapana mapurogiramu matsva achakwanisa kuva ne-out-of-pocket maximums pamusoro peizvi.
Nokuda kwemaonero, kubuda kwe-pocket mu 2014 - gore rokutanga mazano eAACA-anogamuchirwa aivepo - aiva $ 6,350 kune mumwe munhu, uye $ 12,700 yemhuri.
Pakazosvika gore ra2017, huwandu hwekubuda kwehomwe huchawedzera ne12,6% kubva muna 2014.
Nei chikwata chiri kunze kwehomwe chiwedzera gore negore?
Chaizvoizvo, inzira yekuchengetedza mapeamisi mukutarisa, nekuchengetedzwa nehutano hwezvokurapa. HHS inoshandisa fomu inofanidza kuenzanirana kwegore rega rega ye-insrollee yehutano yehushumo yehutano yevashandi-inoronga zvirongwa ($ 6076 muna 2016), pamwe nevhareji yegore yega-inscription yehutano yehutano premium nokuda kwevashandi-vanoronga zvirongwa muna 2013 ($ 5,365).
Muchiitiko ichi, tinotora 6076 - 5365 = 711. Isu tinotora 711 takaparadzaniswa na 5365 kuona kuwedzera kwemazana pamusana pekubhadhara mari yepurogiramu yezvirongwa zvinoshandiswa nevashandirwi. Tinowana 0.1325256291, kana anenge 13.25%.
Iye zvino tinotora chikamu chekutanga chechikwata chemahombekiti chakasimbiswa muna 2014 ($ 6 350), uye chichiwedzera ne 13.25%. Tinopedzisira tine $ 7 191.
Asi kune urongwa huri mumutemo unoda kuti HHS ienderere kusvika kune $ 50 inoswedera pedyo, saka mugumisiro wacho wakaderedzwa kusvika $ 7, 150.
Nenguva yakajeka, pfungwa yacho ndeyokuti inowanzoshandiswa nehurumende-inobhadharwa premium yakawedzera ne13.25% kubva muna 2013 kusvika muna 2016, saka kunze kwe-pocket maximums inofanirawo kuwedzerwa neanenge yakaenzana nemapato kubva muna 2014 kusvikira muna 2017 (nokuti inotsika pasi, Kuwedzerwa kwakanaka kwekunze kwema-pocket maximums kunongoda kusvika 12,6% pane).
Nechirevo ichi, zvinogonawo kuti kunze kwe-pocket maximums inogona kuderera kubva kune rimwe gore kuenda kune inotevera, kana muvhareji yemari inobhadharwa nevashandirwi yakaramba. 2017 ichange iine gore rechina rokutumirwa mitsara ye-out-of-pocket maximums (gore ra2014, vatsigiri vehurumende vaisununguka kuisa mavoti avo kunze kwevakaona zvakakodzera). Uye kunyange zvazvo kunze kwe-pocket maximums yakawedzera gore rimwe nerimwe kusvika ikozvino, hapana mutemo unoti ivo vacharamba vachidaro gore negore.
Chii chinonzi kunze kwechikwata chinorevei?
Chirongwa chekunze kwehomwe (iyo inonziwo yakawanda kunze kwehomwe) ndiyo mari yakazara iyo murwere aizoda kubhadhara mugore rakapiwa kuitira mu-network kurapwa kunoratidzirwa sezvinokosha zvehutano.
Kana iwe ukagamuchira kutarisirwa kunze kwepurogiramu yako yemutanho , huwandu hwepachipfuva hunogona kuva hwepamusoro, kana hunogona kuva husingagumi.
Chero bedzi iwe uchigara mu-network uye uchigamuchira kutarisirwa kunoiswa pasi peurongwa hwehutano hwako, yako yose kushandiswa kwegore ichave yakasungirwa pasina $ 6 850 muna 2016. Izvo zvinosanganisira kusanganiswa kwako
- deductible (mari yaunobhadhara usati wanyanya kubatsirwe inotora)
- copays (chikamu chiduku chaunobhadhara kuti uone chiremba, gadza chiremba, shanyira nyanzvi, enda kune imwe nzvimbo yepamhanho, etc), uye
- coinsurance (iyo chikamu chekuti iwe unobhadhara mushure mekunge wakabhadhara yako yakagadzirirwa, asi usati wasangana nehuwandu hwako hwepamusoro).
Hasi mapurogiramu ose anosanganisira zvose zvitatu zvezvinhu izvi zvekushandisa. Semuenzaniso, HSA-yakakodzera High Deductible Health Plan inenge isingasanganisi copays, asi ichave yakakodzwa uye inogona kunge isina mari (mune zvimwe zviitiko, iyo inobviswa paHHHP isiri yakakwana ye-pocket, nepo dzimwe HDHPs dzichange dziine deductible plus coinsurance kuitira kuti dzive nechokuita kunze kwepamusoro pehomwe).
Kana uchinge wasvika pakudarika kwe-pocket kwegore, hurongwa hwako hwehutano huchabhadhara 100% yako mu-network, yakavharwa mari yezvasara zvegore. Asi kana ukashandura zvirongwa mukati megore (zvichiguma nekuda kwechiitiko chinokonzera chinokonzera kunyora nguva yakakosha ), mari yako kunze kwehomwe inotanga kupfuura neurongwa hutsva. Uye kunyange iwe ukachengeta chirongwa chakafanana gore negore, mari yako yekunze inotanga paunotanga gore rimwe nerimwe.
Izvo zvinotarisirwa neAACA kuti zvirongwa zvehutano zvinenge zvisingabhadhari zvinoshandiswa kune zvirongwa zvevanhu neboka, kusanganisira zvirongwa zveboka guru. Asi zvirongwa zvakawanda zvakagadziriswa hazvibvumirwi, sezvinoitwa mukuru wevanhu uye mapoka maduku maduku. Mapoka makuru emapoka haafaniri kutarisirwa kuvhara kubatsiro kweAAC inokosha , asi kusvika pamwero iwoyo, havagoni kubvunza kuti nhengo yacho inobhadhara mari yakawanda kupfuura yegore rose rinoshandiswa gore iroro.