Kudhura-Kugovana Kugoverwa Kuchave Kuwanikwa Mu 2018, Pasinei Nokudzingwa
Musi waOctober 12, 2017, Mutungamiri weTrump akazivisa kuti mari yekubhadhara mari yekugovana (CSR, dzimwe nguva inonzi sekugoverana mari dzinobhadhara mari) inoguma pakarepo. Vanhu vanotenga inshuwarhu yehutano mumusika mumwe nomumwe zvinonzwisisika vachinetseka nezvechiziviso, vachifunga kana kubhadhara kwavo uye / kana kuti rubatsiro rwaizove ruchingowanikwa muna 2018.
Saka ngatitarisei zvakaitika uye kuti chii chichaguma. Chokutanga uye chikuru, izvi zvose zvinoitika munharaunda yemumwe mushambadziro wemisika, apo mamiriyoni 17.6 evaAmerica vanowana inshuwarisi yeutano hwavo. Kana ukawana kugoverwa kwako kubva kumushandi wako, kana kubva kuMedareidha kana Medicaid, sarudzo yeSRR yehupfumi haina kukanganisa utano hwako hwehutano.
Asi kune avo vane hutano hwehutano inshuo, ngatitarirei zvatinotarisira:
Kudhura-kugovana kugoverwa kuchave kuchiwanikwa muna 2018
Chinhu chinonyanya kukosha kuti uchinzwisise ndechekuti CSR icharamba ichiwanikwa muna 2018 . Kubva munaFebruary 2017, pane vanhu vane mamiriyoni gumi nezviviri vakanyoresa zvirongwa zvehutano hwehutano hwehutano kuburikidza nekugoverana muUnited States, uye 57 kubva muzana vavo vakanga vachibatsirwa kubva kuCSR, nevanodarika mari yepamusoro pane zvavaigona kuva vasina CSR. Izvo zvikomborero zvichaenderera mberi muna 2018.
84 muzana yechishandisirwo chekushandura vanotora rubatsiro rwema premium , izvo zvisiri chinhu chakafanana neC CSR.
Premium rubatsiro inoderedza mari yaunofanira kubhadhara mwedzi woga woga kuti uve nehuwandu hwako, asi CSR inoderedza mari yaunofanira kuripa kana iwe uchida kushandisa utano hwako hwehutano huripo kuti ubhadhara utano hwehutano. Vanhu vakawanda vanowana rubatsiro rwe premium kupfuura CSR nokuti muganhu wekuwana rubatsiro rwema premium yakakwirira, uye nokuti CSR inongowanikwa pazvigadziriswa zvesirivha , asi mari yepamusoro inoshandiswa inogona kushandiswa pakurati, sirivha, ndarama, kana platinum zvirongwa .
Pasinei nehurukuro dzose muna 2017, uye pasinei nokuti iyo Trump Administration Inopedza mari yeCRR, hapana chakachinja pamusoro pekukodzera kwe CSR kana mari yepa premium. Zvose izvi zvicharamba dzichiwanika kune vose vakanyoresa kuverengwa muna 2018.
Nzira chete iyo rubatsiro rwekugadzirisa huchapedza kuvapo rwaizova iyo kana vose vanobatanidza vatengesi vekutsinhanisa mune imwe nzvimbo vaifanira kubuda mumusika, uye kugovera pachako kwaizove kusisipo. Izvo hazvisi kunze kwemubvunzo, asi hazvina kumboitika kune dzimwe nzvimbo dzenyika. Vatsigiri vezvematongerwo enyika vaifanira kuzvipira kushandiswa kwehurumende (HealthCare.gov, iyo inoshandiswa munyika dzakawanda) musi waSeptember 27, asi chibvumirano chavo chine gwaro rekubuda iro rinovabvumira kubvisa kunze kwekutsinhanisa kana mari ye CSR ikatemwa.
Mari yekuchera mari yakaziviswa musi waOctober 12, asi vatsigiri vehurumende vakawanda vatove vakatsigira miriyamisi yavo ya2018 pamusana pekufunga kuti mari ichazogurwa. Uye vatsigiri vedzimwe nyika vakapiwa firiji shoma panguva iyo vaigona kuwedzera mitero nemari yeCRR yakawedzerwa pamayero ehurukuro. Izvi zvinobatsira kudzivirira vatsigiri vekuchengetedza kubva pamusika, sezvo vanogona kukanganisa kusakosha kwehurumende yekubhadhara mari nemishonga yakakwirira, yakawanda iyo inongowanikwa chete nezvikwereti zvakakura.
Saka Chii Chiri Kuitika Kuzvikwereti zve 2018?
Avhareji emitengo yemakambani ega ega ichakwirira muna 2018 kupfuura iyo ingadai yakave iyo kana CSR mari yakaitwa nehurumende yehurumende pakutanga kwegore ra2017. Kusina mari ye CSR inotaridzika seyo ichaita chikamu chinenge hafu yejairo yevhareji kuwedzera kwe 2018, kunyange zvazvo zvakananga zvichange zvichinyanya kugadzirisa zvirongwa zvesirivha, uye zvichave zvakaputirwa nehurumende yehurumende nenzira yekubhadhara mari yepamusoro.
Sangano reCRR rakagurwa rakaparidzwa muna Gumiguru, asi kusava nechokwadi pamusoro pekuti izvi zvaizoitika zvaive chinhu chakaitika gore rose.
Vatsigiri vekutanga vakaisa mazinga ekutsigira 2018 kumashure kwegore ra2017, uye hurumende dzekutonga dzakapedza nguva yechando ichichiongorora. Muzviitiko zvizhinji, vatsigiri vehurumende vakapa maitiro matsva mushure menguva yezhizha, uye chimwe chezvinhu zvakajairika kuchinja kwaiva kuwedzera mari ye CSR kumapurayamisi, nokuti pakanga pasati kuve nokuzvipira kubva kuhurumende yehurumende kuti ivabatsire.
Iwe unogona kuona kuwandisa mafungiro, kusanganisira actuarial memos iyo kazhinji inotsanangura zvikonzero zvehuwandu hunochinja, pa ratereview.healthcare.gov (sarudza "ACA michina yakagadzikana," zvino sarudza mamiriro ako uye isa January 1, 2018 mune zvose mavambo uye ekupedzisira mabhokisi nokuda kwekushandiswa kwezuva racho, sezvo dzose dzezvizvarwa zve 2018 zvinoshanda munaJanuary 1). Kutarisa kuwandisa kwezvipfeko kuchakupa pfungwa yakanaka yezvinhu zvinotyaira mari yepuremu muna 2018. Kusanzwisisa pamusoro peCRR mari yakawanda chikamu chemufananidzo. Uye kunyanya nemari yakadzokororwa yakaiswa gare gare muzhizha, vatsigiri vehurumende vakanga vachiwedzera kusarudza kufungidzira kuti CSR mari inenge isingarambi ichienderera mberi, uye yakanga yakatengesa mazano avo maererano.
Kwete dzose dzezvematongerwo enyika dzakabvumira izvi, zvisinei, saka vamwe vanoti nevanishuwarenzi vave vachitsvaga kuti vaenzanise mitengo muminiti yekupedzisira. Asi mari yekuchera mari haina kubuda mubhuruu, uye vazhinji vati vatsigiri vakanga vatozvigadzirira iko nemitengo yavakanga vapa 2018.
Apo Purogiramu Inowedzera, Izvozvo Zvinorevei Kubhadhara Kwekutanga?
Muzviitiko zvizhinji, vatsigiri vakawedzera mari yeCRR kumapurugiramu emaronga esirivha, sezvo zvirongwa zvesirivha ndezvimwe chete zvinosanganisira CSR. Iyi nzira inochengetedza vashandi vakawanda kubva pamagumisiro ehurumende yehurumende inoparadza CSR mari, sezvo inoguma ichangova nemigumisiro yakawanda yekubhadhara mari (premium rubatsiro inobva pamutengo wechipiri-yakaderera-mari yakawanda chirongwa munzvimbo imwe neimwe, seyesirivha hurongwa hwepurogiramu dzinomuka, saka itai rubatsiro).
Saka kunyange zvazvo Mutungamiri weTrump akagura rubatsiro rweCRR, hurumende yehurumende ichapedza zvakawanda pamusoro pekuwedzera kwekubhadharwa kwemari yepamusoro apo inenge ichichengetedza pakubhadhara CSR.
Maererano neAugust 2017 Congressional Budget Office kuongorora kuitika kwekuchera CSR mari, kudarika kwehurumende kuchawedzera ne $ 194 mabhiriyoni mumakore gumi anotevera, nekuda kwekubhadharwa kwemari yepamusoro uye kuwedzera kwenhamba yevanhu vanozokwanisa kubhadhara mari (semari yehurongwa hurongwa hwekuwedzera, vanhu vakawanda vanoda rubatsiro kuitira kuti vawane premium-funding premium kusvika pasi pekuwana mari yavo inofungidzirwa kutenga).
Chii Chandinofanira Kuita Panguva Yokunyoresa Vakasununguka?
Mutungamiri weTrump akagura mari yeCRR, uye mugumisiro wacho uchave wakanyanyisa kupedzisira kushandiswa kwehurumende pamabhadharo ekutanga. Asi mumwe mutengesi wavatengi vachatoda kubhadhara zvakanyanya zvirongwa zvinowanikwa muna 2018, zvose pamwe uye zvisingabatsiri.
Imari yepamusoro yepamusoro nekuda kweCSR defunding inonyanya kushandiswa kumitengo yezvigadziro zvemasirivha, asi kwete mumamiriro ezvinhu ose. MuIndia neColorado, mari yakawedzerwa iri kupararira kune ose masimbi ematare, pane kungoita sarani chete; kune dzimwe nyika apo mumwe mubhadhadziro akatora nzira yakasiyana, izvo zvinoreva kuti imwe inshuwaridzi ingangodaro yakafambisa mari kudarika zvese zvirongwa, apo imwe inshurensi yakasarudza kuishandisa chete kune zvigadziro zvesirivha.
Kune vanhu vanowana premium rubatsiro , mari inobhadharwa ichagadzirisa zvose kana kuwanda kwekutanga kwekuwedzera. Kubhadharwa kwepa Premium kunosvika kusvika 400 kubva muzana yehurombo, iyo iri $ 48,240 kune mumwe chete muna 2018, uye $ 98,400 yemhuri yevana.
Asi zvicharamba zvichikosha pakuenzanisa chikafu panguva yekunyora kusununguka. CSR inongowanikwa chete kana ukasarudza chirongwa chesirivha, asi CSR inowanikwa chete kune vanhu vane mari kusvika kune 250 muzana yehurombo huri ($ 30,150 kune mumwe chete, uye $ 61,500 pamhuri yevana muna 2018). Kana iwe uchikodzera CSR, kunyanya kana mari yako iri pasi pe200 muzana yehurombo uhu, iwe uchada kusarudza chirongwa chesirivha kuitira kuti ugone kuwana mhindu ye CSR.
Zvisinei, kana iwe usingakodzeri CSR asi iwe unofanirwa kubhadhara mari yepayimusi (kureva kuti, mari yako inenge iri pakati pe 250 muzana uye 400 muzana yehurombo uhu), unogona kuona kuti chirongwa chendarira kana chegoridhe chichapa zvakanakisisa kukosha 2018.
Izvozvo ndezvokuti rubatsiro rwekutanga rubatsiro ruchave rwakavakirwa pamutengo wechirongwa chesirivha, icho chichawedzerwa nehuwandu hwehuwandu mune dzakawanda pane zvirongwa zvendarira neyegoridhe zviripo munzvimbo iyoyo. Asi rubatsiro rwemari iyo yekutanga inogona kushandiswa kutenga zvigadziro pane imwe nheyo yesimbi-kwete kungoita zvesirivha. Izvo zvinoita kuti zvirongwa zvegoridhe neyegoridhe (uye zvirongwa zveplatinum, munzvimbo dzavanowanikwa) zviri nani zvakakosha mushure mokushandiswa kwepurogiramu yekubhadhara.
Mune zvimwe zviitiko, zvirongwa zvesirivha zvichange zvakadhura kupfuura zvigadzirwa zvegoridhe, izvo zvinozoita kuti zvive zvakakosha zviri nani kune vanhu vasina kuwana CSR, sezvo kubatsirwa kwezvirongwa zvegoridhe zvakasimba kudarika zvakabatsiri zvisiri zveSRR zvirongwa zvesirivha .
Kune vanhu vasina kuwana rubatsiro rwekutanga , zvichava zvakakosha kuona kuti zvirongwa sei pane imwe neimwe yesimbi zvinofananidzwa nemumwe. Kana sirivha zvirongwa zvinopera kuva inodhura kupfuura zvigadzirwa zvegoridhe mune imwe nzvimbo, zvinenge zvine musoro kutora chirongwa chegoridhe panzvimbo yegoridhe chirongwa (kana chirongwa chendarira, icho chisingasviki mari).
Uye vanhu vane ACA-vanobvumirana pamisika yemakethe kunze kwekutsinhanisa (kureva, vakatengwa zvakananga kubva kune kambani yveshuwarenzi, kwete kuburikidza nekutsinhanisa) vachatodawo kutarisa kune iyi nyaya. Kubva kushandiswa kwemari yegoridhe zvirongwa munzvimbo dzakawanda (uye kunze kwekugadzirisa zvirongwa kune ose masimbi ematunhu muIndia neColorado) ichava nebhadharo re CSR rakaiswa muhurukuro dzavo. Izvi ndizvo zvichaitika kune dzimwe nyika-zvigadziriswe zvirongwa izvo zvinotengeswa pa-kushandiswa, sezvo mutengo unofanirwa kuva wakafanana kune chirongwa chakafanana, pasinei nokuti inotengeswa kuburikidza nekutsinhanisa kana zvakananga nevatengi.
Shoko Rinobva
Nhepfenyuro pamusoro pehutano hwehutano hwehutano hwave dziripo nguva dzose muna 2017, uye chiziviso chokuti CSR mari ichapera nokukurumidza yakonzera kunzwisisika kunetseka kune vanhu vanozvitengera hutano hwehutano inshuwarheni.
Asi apo CSR mari yakabviswa, kuwanikwa kwe CSR pachayo kusina kuchinja. Kubhadhara mari yepamberi icharamba ichingowanikwa muna 2018, uye ichave yakakura kwazvo kupfuura iyo ingadai yakave iyo CSR mari yakaitwa kare kare muna 2017.
Nemhaka yekubhadharwa kwepamusoro kwekubhadhara, vashandi vakawanda vachachengetedzwa kubva pamagetsi ekuwedzera kunowanikwa kuvhara mari ye CSR. Asi zvichave zvakakosha kupfuura kare kare kune vatengi vemakethe-zvose uye vari kunze-kuchinjana-kuenzanisa zvakajeka zvingasarudzwa panguva yekunyorwa kwakasununguka, kuchengeta mupfungwa kuti kuzarura kuzarura kuchave kwakapfupika kudarika kwave kuri mumakore apfuura .
Kana uchida rubatsiro kuti uone kuti ndeipi chirongwa chekusarudza, svika kune vafambisi vehondo kana kuti mutengesi munharaunda yako, kana kuti kudana kushandiswa munyika yako (kutanga pa HealthCare.gov, uye kana nyika yako ine shanduko yako, iwe uchatungamirirwa apo paunosarudza nyika yako).
> Sources:
> Centers for Medicare neMedicaid Services. 2017 Kunyorwa kwakanyatsoitwa Snapshot . June 12, 2017.
> Congressional Budget Office. Migumisiro yekupedzisa Kubhadhara Kwekugadzirisa Kugovana-Kugoverwa . August 1, 2017.
> Mark Farrah Associates. Muchidimbu Tarisa Mushandi Wehutano Wehutano Inotengesa Misika. July 19, 2017.