Zvinogona kuonekwa zvisina kururama kuti iwe ubhadhara yako yose yakagadziriswa kana iwe usingaregi kunishuwarenzi yehutano kusvikira pakati pegore. Pashure pezvose, uri kungowana inshuwarhu yehutano kwehafu yegore kana iwe unyore pakati pemakore; Ko hazvifaniri here kuderedzwa kugoverwa kusvika hafu yegore negore rakabviswa?
Sezvo kudzvanyirira kwakadhura, zvichida kubhadhara kwegore rose rekudzikinurwa kana iwe unyorevera shure kwechikamu chegore-rekutevedzana kwapera kunowedzera kuti iwe uwane kusvika kune yako yakakodzwa gore iroro.
Muchiitiko ichi, iwe hauzove wakakwanisa kuwana kukosha kwekuti wako wehutano wehutano atore chikamu chetabhadhara mari yako yekurapa.
Zvinosuruvarisa, yveshuwarisi yehutano inopedzerwa yehutano haisi kuenderedzwa kwegore risina kunyorwa kunyoresa pasinei nokuti mwedzi mishomanana yasara papi plan-gore apo iwe unyoresa inshuwarhu yehutano. Izvo -kunze-muhomwe yepamusoro haisi kugoverwa, zvimwe.
Mienzaniso
Calendar-Year Policy
Iwe hauna kuvimbiswa kwemwedzi yaJanuary kusvika munaJune. Iwe unoroora mukati memwedzi waJune uchiita kuti iwe uwane chikamu chekunyora nguva yakakosha . Iwe unyoresa kuhutano hwehutano inshuwarheni pane yako nyika ine Affordable Care Act yehutano yveshuwaridho kushandiswa kutanga musi waJuly 1 negore rinodhindwa re $ 2,000.
Zvose zvirongwa zveOmamacare (pane uye kunze-kushandiswa ) zvine urongwa gore rinotangira kubva munaJanuary 1 kusvika munaDisemba 31. Kana ukashandisa utano hwako hwehutano pakati peJuly 1 neDecember 31 kune chimwe chinhu kunze kwekuchengetedza utano hwehutano , mushandi wako wehutano haatangi kutanga kubhadhara chikamu chemishonga yako yehutano yehutano iyo inotarisirwa kudhakwa kusvikira wabhadhara mari yose ye $ 2,000 inotengwa.
Kunyange zvazvo iwe unongova nehutano hutano hunovhara kwehafu yegore, iwe unotofanira kubhadhara iyo yose yakabhadharwa mushure mekunge inshuwarisi yako ichatanga kutora tab (kana iwe uine chinyorwa chinosanganisira copays yezvinhu zvakadai sehofisi yekushanyira uye zvinyorwa, izvo zvinobatsira kukanda kubva kubva pakutanga, pasinei nokuti iwe wakabhadhara chero chii kune deductible).
Non-Calendar-Year Policy
Iwe wakashandira basa idzva pakutanga kweFebruary. Vashandi venyu vatsva vachapa hutano hutano hunoita sehukamu chevashandi vako vanobhadhara purosi kubva musi wa1 March. Mushandi anyoresa pachena maAgasti gore rezvirongwa rinotangira kubva munaOctober 1 kusvika Svondo 30 wegore negore.
Sezvo uri mushandi mutsva ane kunyorwa kwokutanga pakati pepurogiramu yemakore, iwe unongova nemwedzi minomwe yekugoverwa gore risati rapera gore rebumbi rinotanga munaOctober uye mari yawakabhadhara kune yegore rako rekudzikinurwa resets back to zero. Pasinei negore rekupfupisa rakapfupika, iwe wakabatwa kune imwechete yakabhadharwa semari sevamwe vashandi vakasarudza chirongwa ichocho panguva yekunyora kuzarura muna August.
Cherechedza kuti vashandi vakawanda vanosarudza kushandisa zvirongwa zvegore remakarani, uye vanobatisa kuvhura kwavo pachena pakuwa kunopindirana neJanuary 1 kutanga musi wegadziriro yegore. Asi vashandi vane zvakawanda zvinochinja mune izvi, uye vanogona kutenga chirongwa chero nguva mukati megore kuvhara vashandi vavo.
Utano Hwepahutano Deductibles Hausi Kudzingwa Kubva Purogiramu Yokuronga
Kana ukashandura chirongwa chimwe chehutano uchienda pane imwe nguva mugore rebumbiro, mari yawakabhadhara kare kune yako yegore inobviswa muurongwa hwehutano hwakanga uine pakutanga kwegore hauna kutaridzirwa kune gore negore rakabviswa muurongwa hwehutano uhu gare gare gore.
Apo iwe unyoresa muurongwa hutsva hwehutano, mari yawakabhadhara kune yako itsva deductible inotanga pa zero kunyange dai iwe wakatove wakabhadhara gore rose rako rakagadziriswa mune rimwe urongwa.
[Kunyange zvazvo inenge iri nguva dzose iyo iyo inokwidziridzwa isingashandurwi kubva pane imwe chirongwa ichi kuenda kune imwe, izvi dzimwe nguva zvinogona kugadziriswa zvichienderana nekugadzirisa mamiriro ezvinhu anokonzera nhamba yakawanda yevatsigiri vezvematongerwo enyika uye kupindira kubva kuUnited States Commissioner. Muenzaniso ndiyo mhinduro yakagadzirirwa nhengo dzeNew York's Health Republic Insurance, iyo yakavhara munaNovember 2015. Chibvumirano pakati pe NY state regulators uye matatu makambani emishuwarenzi ega ega akabvumira Health Republic nhengo kuti dziwane chikwereti (pamwedzi wavo weDecember 2015) nokuda kwemari yavo yakakodzwa uye yekunze-ye-iyo yavakanga vatovapa kare mumwedzi 11 yekutanga yegore.
Oregon vatungamiri vakaita sangano rakafanana kune avo veOregon Health CO-OP nhengo apo CO-OP ikavhara pakupera kwaJuly, 2016]
Muenzaniso
Iwe wakanga uine inshuwarhu yehutano yehutano newe purogiramu yemusika wega (kureva, chirongwa chawakazvitenga iwe, zvichida muchitsinhanisi kana zvakananga kubva kune insurer) kubva munaJanuary 1 kusvikira munaJuly 31. Panguva iyoyo, iwe wakabhadhara $ 1,300 kutarisa $ 2,000 yako inshuwarisi yehutano deductible. Iwe unodonha urongwa hwako pachako kana iwe uwana basa-based health insurance inshumo kutanga munaAgasti 1. Ichi chitsva chekugadzirisa basa rine gore rinodarika re $ 1 000.
I $ 1,300 iwe wakatobhadhara kune yako Obamacare chinyorwa hachiverengi kune basa idzva re-health insurance remuctible. Iwe unofanira kutanga kubva pakutanga, uchibhadhara mari yose ye $ 1 000 yebasa-based health inshuwarheni yepurogiramu yakabviswa kare iyo iyo inshurenzi inotanga kutora tabhi yemishonga yako yezvechiremba iyo inotarisirwa kudhakwa.
Kana Ndiine Chekubhadhara Deductible Twese Gore negore mugore rimwe chete, Ndingawanazve Mari?
Hapana nzira yekuwanazve mari yakawedzerwa yawakashandisa kune yako yehutano inshuwarheni inobviswa kana iwe ukashandura zvirongwa pakati pemakore pashure pokubhadhara chirongwa chekutanga chekubviswa. Kunyange zvakadaro, kugovana-kugovana-kudhura mari yakadai sekuderedza, kubhadhara, uye kubhadhara mari dzimwe nguva kunoshandiswa sekutora mutero kunobhadhara mitero yakaderera. Dzidza zvakawanda pamusoro peizvi mu " Nzira Yokunyora Nayo Mari Dhepheni SeMutoro Wokubhadhara Mutero ."
Yakarongwa naLouise Norris.