Hezvino izvo zvaunoda kuziva kana chirongwa chako chikuru chakaguma
Apo Mutengo Wakawedzerwa Wakagadziriswa wakasayirwa kuva mutemo muna 2010, waida kuti kuwedzerwa kukuru kwemitemo ye inshuwarhu yehutano yehutano nehudiki, nehuwandu hwekuchinja hunoitika muna 2014. Asi mutemo waisanganisira urongwa hwekuchengetedza munhu mumwe nomumwe uye mapoka maduku maduku akanga atove ari kushanda panguva yaMarch 23, 2010, apo ACA yakagadzwa.
Zvirongwa izvi zvakaberekwa (izvo hazvisi zvakafanana nekurukuru) uye vanobvumirwa kuramba varipo nekusingaperi, chero bedzi zvirongwa zvingoramba zvisingashanduki uye hazvibatsiri zvakanyanya kubatsirwa kana kuwedzera mari (chinyorwa ichi chinoreva kurema mari kuitira rubatsiro rwehutano; zvikwereti zvinowedzera chete hazvizoiti kuti chirongwa chehutano chirasikirwe nehukuru hwakakura).
Kuti ijekeswe, chirongwa cheboka revanhu vaduku chakange chave chakasimbiswa kubva musi waMarch 23, 2010 - vashandi vatsva vanogona kuwedzerwa kune zvirongwa zvakakura zviripo, asi vashandi havana kukwanisa kutenga zvirongwa zvakakura kubva apo ACA yakasayirwa mu mutemo.
Chirongwa chevanhu pachavo chakange chave chakatengwa nemunhu saMarch 23, 2010 - hapana munhu akakwanisa kutenga chirongwa chevanhu pachavo kubva musi waMarch 23, 2010, kunyange zvazvo vanhu vatsva vanogona kuramba vachiwedzerwa kune zvirongwa zvakawanda (naizvozvo kana iwe une chirongwa chekuzvimirira uye iwe une mwana, unogona kuwedzera mwana kurongwa hwako).
Kana hurongwa hwako hwehutano hwakabereka, iwe unosarudza kuichengeta nokusingaperi. Asi chete kana hutano hwako inshuwarisi huri kuramba uchichipa. Hapana urongwa muAACA inoda kuti vatsigiri vehutano varambe vachipa chirongwa chakanaka, kana kuti varambe vachipa chero chekugoverwa zvachose, nokuda kwechinhu ichocho.
Sei maiti inshuwarisi inopera yaive yakawanda?
Mumushamba wega wega gore ra2014, inshuwarhu yehutano yakange ichinyorwa pasi mune zvese asi zvishanu . Saka vanhu vakaberekwa vari ivo pachavo vakaronga muhurumende dzakawanda ndevamwe vanhu vaiva nehutano hwakanaka sekuda apo zvirongwa zvavo zvakatengwa. Asi sezvo nguva inopera, kunyorwa kwechiremba "kunopera," sezvo hutano hutanga kukura muhuwandu hwaive hwakanaka kare.
Uye sezvo pasina munhu akakwanisa kutenga zvirongwa zvakawanda kubva muna 2010, masango ehutachiona nokuda kwezvirongwa izvi akawedzera kuderera muhukuru pamusoro pemakore matanhatu apfuura. Vanhu vanogona kudonha zvirongwa zvavo zvakakura uye vashandura kune imwe nzvimbo, asi hapana munhu anogona kubatanidza zvirongwa kunze kwekuti nhengo dziripo dziwane vatsigiri vatsva.
Sezvo zvirongwa zvehutano zvakaberekwa zvakachengetedza vatsigiri vashomanana, avo vari-nhengo yehutungamiri mari inowedzera. Kune vamwe vatsigiri, zvirongwa zvakawanda zvave zvisingabatsiri kana kuti hazvisati zvakakodzera zvakakwana nebasa ravo rose rebhizimisi. Mukudaro, kambani yeInishuwarensi inogona kusarudza kupedza zvirongwa zvakawanda.
Humana apedzisira agadzirira zvirongwa mumasangano 11
Humana inopa mumwe munhu inshuwarhu yehutano muhurumende 22. Mutakuri wacho akazivisa muna December kuti vaizogumisa mapurogiramu ehutano ehumwe muhurumende gumi nemaviri muna 2016: Alabama, Arizona, Colorado, Florida, Georgia, Mississippi, Ohio, Oklahoma, South Carolina, Tennessee neWisconsin (yakaberekwa mapoka maduku mashoma haatauriri pa iyi pfungwa).
Chirongwa chekugadzirisa chinotanga kutanga musi waMarch 1, uye chichave chakabudirira sechirongwa chekuvandudzwa kwezuva - naizvozvo kana chirongwa chako chakaberekwa Humana chine zuva rekuvandudzwa kweAugust 1, unogona kuchengeta hurongwa hwako kusvika pakupera kwaJuly.
Chirongwa chababa vangu chakapera ... chii chandinofanira kuita?
Kuti agone kupedza zvirongwa zvehutano zvakakura, mutakuri anofanira kuzivisa insureds zvishoma nezvishoma 90 anoti nguva isati yaitika kuguma kwezuva-saka kuchava nenguva yekugadzirira mberi. Uye mutakuri wako anofanirawo kukuudza iwe kuti une zvisarudzo maererano nekugadzirisa hurongwa hwako. Munhu wako anotakura angakupa kuchinja kune imwe yezvirongwa zvayo zveAACA-zvinoenderana, asi iwe uchakwanisawo kutenga kubva kune imwe yezvirongwa zvinopiwa nemumwe wehutano hwehutano inshuwarisi munharaunda yako.
Kana hurongwa hwako hukuru hwave huchipera, zvinokosha kuti unzwisise kuti nguva dzekubatsira dzeAACA dzakashanda sei. Kurasikirwa kwekugoverwa ndicho chiitiko chinofanirwa chinokonzera nguva yekunyora inokosha .
Nguva yako yekunyora inokosha ichavamba mazuva makumi matanhatu isati yasvika zuva raunoronga chirongwa chako, uye richaenderera mberi kwemazuva makumi matanhatu pashure. Uye nguva yakanyoresa inoshanda inoshandiswa pairi uye kunze kwekuchinjana.
Somuenzaniso, kana chirongwa chako chakarongerwa kupera musi waJuly 31, uchawana chiziviso pamusoro pekuguma kwekutanga kwaMay, uye nguva yako yekunyora inokosha ichapfuura kubva munaJune kusvika munaSeptember. Kana iwe ukanyoresa muurongwa hutsva mumazuva makumi matanhatu kusati kwasara kurasikirwa, chirongwa chako chitsva chichava chekutanga chemwedzi uchitevera urongwa hwako hwekare hunoguma. Saka kana chirongwa chako chiri kupera musi waJuly 31, unogona kunyora muchirongwa chitsva munaJune kana munaJuly - kusvika munaJuly 31 - uye chirongwa chako chitsva chichange chichishanda musi waAugust 1, pasina chinyorwa chiripo.
Kana iwe ukanyora muurongwa hutsva mumazuva makumi matanhatu mushure mekunge urongwa hwako hwekare huguma, iwe uchava nemugove wekugoverwa kwemwedzi mwedzi, sezvo pasina urongwa hunoita kuti zvirongwa zvive zvakare shure mumamiriro ezvinhu akadaro (kureva, kana iwe unyoresa pa July 1, urongwa hwako hutsva hahuzoshanda kusvikira muna 1 August).
IAACA inosanganisira mutero wemitero wekusabvumirwa, asi hapana chirango chepashoma pfupi pakuratidzirwa gore rose, chero bedzi iri pasi pemwedzi mitatu yakareba. Saka kana iwe usina kuvimbiswa kwemwedzi umwe chete kana miviri apo iwe wakamirira hurongwa hwako hutsva hwekuita, iwe haungatongororwi ne IRS, uchifunga kuti iwe wakanga uine chinyorwa mumamwe ose egore. Asi iwe unenge uine inshuwalhu yehutano munguva iyoyo, uye iwe unofanirwa kubhadhara iwe pachako zvikwereti zvezvokurapa kana mamiriro ezvinhu epamusoro aizomuka.
Izvo hurongwa hupi huchave hwakasiyana nehupenyu hwangu hwakawanda?
Vazhinji vane zvirongwa zvinongotarisana nemamwe mashoma eAACA, saka chirongwa chako chitsva chichava nekudzivirirwa kwevatengi zvakasimba. Uye kana iwe uchikwanisa kubhadhara mari yepayimusi, inogona kunge isingadhuri zvakare. Kune rumwe rutivi, kana iwe usingakodzeri kubhadhara mari yepayimusi, chirongwa chako chitsva chingaguma chave chinodhura kupfuura chirongwa chako chikuru.
Vabereki vane hutano hwehutano hwavo havagoni kuva noupenyu huripo maxums (kunyange vachigona kuva negore rebasa maximums). Vanofanirawo kubvumira vana vaduku vakuru kuti varambe vachironga zvirongwa zvehutano hwevabereki kusvikira makore 26, uye vanofanira kupedza mazana emadhora makumi mapfumbamwe emadhora ekurapa.
Asi zvirongwa zvakawanda zvakave nezvakawanda hazvifaniri kuvhara kubatsira kweAAC inokosha, uye haifaniri kuvhara mamiriro ezvinhu akambovapo. Saka kana chirongwa chako chisina kuburitswa nemamiriro ezvinhu akambovapo kana kuti akakutengesa purogiramu yakakwirira zvichienderana nenyaya yako yezvehutano pawakatenga chirongwa chacho, izvo zvikamu zvepurogiramu hazvina kuchinja sekuguma kweAACA.
Kana iwe uri kuchinja kurongwa hutsva - zvichida kuburikidza nekutsinhanisa kana kupedza-kushandiswa-uchaona kuti kugovera mutsva kunogona kunge kune huwandu hwakawanda hwezvinyorwa, kusanganisira zvinhu zvakadai sekuchengetwa kwekurera, mishonga yemishonga, uye kutarisira utano hwepfungwa. Uye kugoverwa kuchave kwakagadziriswa-nyaya zvisinei nenyaya yako yezvechirwere.
Vazhinji vane zvirongwa zvakare havakwanisi kubhadhara mari yeAACA yemari yepamusoro (rubatsiro), saka insureds vanobhadhara mari yakazara yekugoverwa kwavo pasi peurongwa hwakazara. Kana hurongwa hukuru hwakaguma huripo, unogona kuwana kuti iwe unokodzero yekubhadhara mari yepayimusi kana mari yako yemhuri isingasviki 400% yehurombo huno, iyo iri iye zvino $ 47,080 kune mumwe chete, uye $ 97,000 kumhuri yevana ( iyo mirayiridzo yehupfumi ye 2015 ichaenderera mberi kushandiswa pakubhadhara rubatsiro rwekubhadhara kusvika kusvika muna 2017 kuzarura kusvitsa kwekutanga kunotanga pakupera kwe 2016, kunyange zvazvo kuonekwa kweMedicaid / CHIP ikozvino yakabva mumitemo yenyika ye 2016 yehurombo).
Ndekupi kwandinofanira kuwana nzvimbo yangu yekugadzirisa?
Paunenge uine chikoro chekunyora, iwe unogona kutengesa muchitsinhanho, kana iwe unogona kuenda kune imwe yehutano inshuwarisi uye utenge urongwa. Asi kana iwe uchikwanisa kubhadhara mari yepayimusi - kana kana pane chero mukana wekuti mari yako inogona kuderera mushure megore uye kukuita kuti ukwanise panguva iyoyo - iva nechokwadi kuti utenge chigadziro chako chekugadzirisa mune shanduro. Kubatsirwa kwepa Premium hakuwaniki kunze kwekutsinhanisa, uye haugoni kutorwa pashure payo pamutero wako wekubhadhara kana iwe wakatenga chirongwa chako chehutano kunze kwekuchinjana.
Kana hurongwa hwako hukuru huri kupera uye iwe usina chokwadi chekanakisisa yekugadzirisa, tsvaka rubatsiro. Mabharani nevanofamba-famba vari munharaunda yese, uye mutengo wepurogiramu yako ichave yakafanana pasinei nokuti une rubatsiro nekugadzirisa hurongwa nekunyorwa kwenzira.