Zviitiko zvinofanirwa zvinotora nguva dzekunyora dzakadzama
Vhura kushanda kune imwe yehutano yemishuwarisi yemari yakaguma musi waJanuary 31. Muzviitiko zvakawanda, chirongwa chinoshanduka nekunyorwa kwevatsva kwe 2016 kunogona kupedzisa chete kana iwe uine chiitiko chakakodzera, kunyange zvazvo veNative America vanogona kunyora gore rose muurongwa kuburikidza nekushandura (Kunyorwa kwaMedicaid uye CHIP kunewo gore rose).
Iwindo rokunyoresa rakasununguka rinoshandisa zvose pairi uye kurega kugoverana , uye zviitiko zvinokodzera zvakakosha kana iwe uri kunyore kunze kwekunyoresa kusununguka, zvisinei pasinei kuti uri kutenga hurongwa hwako kuburikidza nekushandura kana zvakananga kubva kunehutano inshuwarisi carrier (note kuti premium rubatsiro runowanikwa chete kana iwe ukanyora kuburikidza nekushandura asi kana usina mubvunzo, urongwa hwekutsinhanisa ndiyo yakanakisisa yekutengesa, sezvo inopa iwe mukana wekudzorerazve rubatsiro rwemari yepamusoro kana mari yako inopera iri pasi kudarika iwe waifunga kuti ingadai iri) .
Sei kuverengwa kunopera?
Misika yemumwechete inofanira kuva newindo rekunyoresa zvishoma nokuti kugoverwa iko zvino kwakagadziriswa-nyaya yevadzidzi vose, zvisinei pasinei nemamiriro ezvinhu akambovapo. Iwindo rekunyoreswa gore negore rakasununguka rinodzivirira vanhu kuti vasatarise kusvikira vanorwara kutenga kugoverwa. Asi dzimwe nguva, vanhu vane chiitiko chehupenyu - kunze kwekurwara! - iyo inoda kukwanisa kupinda muurongwa hutsva hwehutano kunze kwekunyoresa.
Ndiko kunosvika nguva dzakanyoreswa dzekunyora. Vakagara vachishandiswa mumushandi-anorayirwa hutano hutengesheni yemusika, uye iye zvino vari chikamu chemusika mumwechetewo zvakare. Uye kunyange zvazvo pane zvakawanda zvakapindirana maererano nezvinoita kuti pave nenguva yekunyora, pane zvimwe zviitiko zvinokodzera izvo zvakasiyana nemusika mumwechete pasi peAne Affordable Care Act.
Chii chinokosha sechiitiko chakakodzera?
Pane chinyorwa chakakosha chezviitiko zvinokubvumira kuti iwe unyorese muurongwa kana kuchinja kune rimwe urongwa kunze kwekunyora kuzarura.
Nenzira yakawanda, ivo vanowanzotonga mitemo, uye havangashandisi kune avo vakangoshandura pfungwa dzavo pamusoro pekushaiwa hutano hwehutano inshumo munzira nenzira yegore. Uye zvakakosha kuziva kuti HHS yakawedzera nzira yekuongorora yezviitiko zvinokodzera gore rino - kana uri kunyora uchishandisa chiitiko chakakodzera, gadzirira kupa uchapupu hwekukodzera.
Asi kana iwe ukawana chimwe chezviitiko izvi zvinokodzera, iwe uchange uine nguva yakanyoresa, iyo inowanzogara kwemazuva makumi matanhatu (munguva zhinji, kugoverwa kuchave kwakabudirira kutanga kwemwe mwedzi unotevera chero bedzi iwe uchinyora ne15 mwedzi, kunyange zvazvo pane zvimwe zvisiri izvo uye mashoma mashomanana akazotevera matanho):
- Kurasikirwa kwevamwe kugoverwa . Urongwa huri kurasikirwa hunofanirwa kuonekwa sehuwandu hunokosha hunodiwa (kureva, haugoni kuva chinhu chakafanana nehupfumi kwenguva shoma kana kuwedzerwa kwepakuvadza). Uye kurasikirwa kwekugoverwa hakugoni kuva chikonzero chekusabhadhara mari yepurayamisi, kuregererwa, kana kuzvirambidza. Saka izvi zvinoshanda mumamiriro ezvinhu akadai seurongwa hwehutano hwako hunobva pamusika, kana kurasikirwa kwekushandira kumushandi-anorongwa nekuda kwekurambana, kusiya basa, nezvimwewo (kunyange kana iwe uchipiwa COBRA , iwe uchiri kukodzera kubhadhara zvakakwana nguva iyo iwe unogona kutenga imwe chirongwa pane iwe). Iwe une mazuva makumi matanhatu uye mazuva makumi matanhatu mushure mekurasikirwa kwekugoverwa panguva yaunogona kunyora mune chirongwa chitsva. Iyi nguva yekunyora yakakosha inoshanda kune vanhu vazhinji vakarasikirwa nehuwandu hwezvikonzero zvakasiyana-siyana pakupera kwa2015 .
- Kuve munhu anovimba kana kuti akawana anovimbiswa semubairo wekuberekwa, kubvumidzwa, kana kuiswa muhutano hwevana. Kana iwe uine mwana, nguva yako yokunyora yakatanga zuva rinotanga kuberekwa, uye kugoverwa kunogona kushandiswa shure kwezuva rekuzvarwa kana kuberekwa kwomwana. HHS yakaita nguva yakanyoreswa yakadaro inoshanda kune vanhu vane hutano hwemhuri humwe hunochinja kune zvimwe zvikonzero, kusanganisira kurambana kana kufa kwevanhu vanozvimirira (chinyorwa kuti apo kuberekwa kwecheche chiitiko chinofanirwa, kutora pamuviri hakusi - kunze kweNew York).
- Kuroora . Kana iwe ukaroorwa, mazuva ako ekuverengwa kwemazuva makumi matanhatu anotanga zuva remuchato wako, uye kugoverwa kuchave kwakabudirira kutanga kwemwedzi zvichienderana nekunyora kwako, pasinei nezuva raunyoresa.
- Kuva mugari weUnited States . Vagari vatsva veUnited States vanokwanisa kuwana nguva yekunyora inokosha, kunyange zvazvo inoshanda chete mukati mekutengesana - zvirongwa zvisingabhadharwi-zvisingabvunzi kunyoresa vanhu nekuda kwechiitiko ichi chinofanira, kunyange vachigona kusarudza kuita saizvozvo.
- Kushandirwa kwekusingaperi kunzvimbo umo zvirongwa zvehutano zvakasiyana siyana zviripo . Kufamba hakugoni kuva kwechinguva, uye zvimwe zvezvirongwa zvehutano zviripo munzvimbo itsva zvinofanira kunge zvakasiyana kune izvo zvaive zviripo munzvimbo yako yekare. HHS yakatsanangurwa munguva pfupi yapfuura kuti kuenda kune chimwe chipatara kunotapwa mune imwe nzvimbo inenge isina kukodzera kusununguka zvachose. Uye kubva munaJuly 2016, kufamba kwechigarire kunongotora nguva yekunyora inokosha kana iwe watova nehuwandu hunotarisirwa kugoverwa kwemazuva makumi matanhatu isati yasimuka. Mune mamwe mazwi, haugone kuenda uninsured ndokubva wawana kugoverwa nekuenda kune imwe nzvimbo iyo iwe uri mukuda kwehutano hwehutano (pane zvakasununguka kune vanhu vachangobva kusunungurwa kubva mujeri, kubuda kunze kweMedicaid kuparara , kana kudzokera shure kuenda kuUnited States pashure pokugara kunze kwenyika).
- Urongwa hwehutano hwehutano huripo kunze kwekunyoresa . Pasi peAACA, zvirongwa zvitsva zvinotungamira pagore rekarenda, uye vose vanovandudzwa munaJanuary. Asi zvirongwa zvekurukuru uye zvizvarwa zvakawanda zvinogona kuva nemazuva ekuvandudza panguva ipi zvayo yegore. Kana hurongwa hwako huripo hwokuvandudzwa kunze kwekunyora kwakasununguka, unobvumirwa kutendeukira kune chirongwa cheAACA-chinopesana panzvimbo yekuvandudza urongwa hwako huripo.
- Chikanganiso kana dambudziko nekunyorwa kwenzira iyo yakanga isiri mhosva yevanyori (kureva, yakakonzerwa nokutsinhanisa, kana nevanyoresa mubatsiri kana inshuwalisi yehutano). Kushinhanisa uye / kana mutakuri vanogona zvakare kunyoresa munhu anenge akakumbira kunze kwekunyora kwakasununguka kuitira kugadzirisa dambudziko racho.
- Mushandirwi-chirongwa chinoritsigirwa hachina kugadziriswa kana kuti hachigoni kupa huwandu hunokosha . Muna 2016, zvirongwa zvinoshandiswa nevashandirwi zvinotarisirwa zvigadziriswa chero bedzi chikamu chevashandi chemari yepamusoro (nokuda kwekushandiswa kwevashandi - kusaverengera mari yekuvhara vanhu vanozvidzivirira ) hakusi kupfuura 9,66% yemari inowanikwa mumhuri. Kana chirongwa chebashandi chikava chisina kunaka pakati pegore (zvichida nokuti mushandi wekambani yevashandi anowedzera, kana kuti mari yebasa iri inodonha), mushandi ane ruzivo rwekunyora nguva yakakosha. Nguva yekunyora yakakosha inoshandiswa kana chirongwa chebashandi-chinotsigirwa chinoderedza zvigaro zvakadai zvokuti hazvisati chavhara zvinenge makumi matanhatu kubva muzana zvemazana evhairire mari dzekutora (kureva, zvishoma zvishoma).
- Iwe uri muchengeti wekuvharidzira mune imwe nyika isina kuwedzera Medicaid uye mari yako inowedzera kusvika ku100% yehurombo uhu . Kubatsiridzirwa kwepa Premium muchitsinhanisi hazviwanikwi kune munhu ane mari iri pasi pehurombo. Mune dzimwe nyika dzisina kuwedzera Medicaid, vanhu vane mari iri pasi pehurombo hunoti havafanirwi neMedicaid pasi pemitemo iripo haisati yambosvika pakuwana inshuwarano yehutano. Kana ruzivo rwavo ruwedzerwa mukati megore kuti vaite kuti vakwanise kutenga mari yepayimusi, vanokwanisa kunyora panguva iyoyo.
- Iwe unotova neurongwa hwekuchinjana uye mari yako inoshanduka yakadai sokuti iwe uchangobva kukodzera kana unenge usingachagoni kutenderwa kubatsiro. Ichi chiitiko chakakodzera chinongoshanda kune vanhu vatotonyora mubato rekuchinjana.
- Iwe unenge uine chirongwa chekuchinjana uye chirongwa "chinoputsa zvikuru" chibvumirano chako newe . Pane hurumende yekugadzirisa kutyora kwezvinhu uye kukumbira nguva yakanyora yekunyora kuti ichinje kune rimwe chirongwa.
Nguva yekunyora yakasununguka kwekugoverwa kwe 2017 ichava musi waNovember 1, 2016 kusvika paJanuary 31, 2017. Kana iwe usingawani chiitiko chakakodzera, mukana unotevera wokunyora uchave uri panguva iyoyo-nguva, uye zuva rekutanga ringave rinoshanda richave January 1, 2017. Asi kana iwe uine chiitiko chakakodzera pane imwe nguva mukati megore, iwe uchava nemukana wekunyoresa panguva iyoyo.
Sources:
Cornell Univerity Law School, Legal Information Institute, 45-CFR-155.420, Periods Special Periods. Yakasvika 4/20/16.
Dhipatimendi reHutano neHuman Services, PPACA; Kugadziriswa Kunyoresa Kwemazuva Akazotevera uye Mutengi Akashandiswa uye Akarongeka Zvirongwa Purogiramu . Yakasvika 5/25/16.
Internal Revenue Service, Nzira yeRubatsiro 2014-62 . Yakasvika 5/25/16.