Mune zvimwe zviitiko, zvingava zviri nani kana zvakakosha kuva nezvirongwa zvakasiyana
Vakaroorana vanowanzove vakafukidzwa pane inshuwarisi yehutano. Asi izvi hazviiti nguva dzose, kana kuti nguva dzose ndiyo nzira inonyanya kukosha. Ngatitarisei mitemo inoshanda kumubatsiro wekuroorana, uye mibvunzo yaunofanira kuibvunza usati wasarudza kana iwe iwe nemumwe wako musingafaniri-kana kuti munogona kuva mune inshuwarisi yehutano.
Kunze kwe-Pocket Exofure
Mhuri dzinofanirwa kuongororai zvese zvekubuda kwechikwata chechirongwa chipi nechipi chehutano kana zvirongwa zvavari kana kuti vari kufunga. Iko kusingakwanisi Care Act Mitemo inenge isingabhadharwi ne $ 14,700 yemhuri muna 2018 , uye inodzivisa chero munhu mumwe chete wemhuri kubhadhara mari yakawanda mune zve-in-pocket zvinodarika $ 7 350 . Asi misiro yemhuri yakabuda kunze kwekushandisa inoshanda kune imwe nzira inobatanidza nhengo dzemhuri.
Kana mhuri ikaparadzaniswa pane zvirongwa zvakasiyana-kusanganisira mushandi-anotsigirwa inshuwarisi, mumwe wekutengeserana kwemakethe, kana kuti Medicare-mamiriyoni emhuri kunze kwechikwata anoshandisa zvakasiyana pamutemo wega wega. Saka kana mhuri inosarudza kuva nemudzimai mumwe pane imwe chirongwa uye mumwe mukaroorana pane chirongwa chakasiyana nevana vevari vaviri, chirongwa chimwe nechimwe chichava nemiganhu yayo yekunze, uye kuburitswa kwese kungave kwakapfuura zvingave kana mhuri yose yaiva pane imwe chirongwa.
Healthcare Needs
Kana mumwe mudzimai akave noutano uye mumwe ane zvirwere zvakanyanya, sarudzo yakanakisisa yezvemari inogona kuva yekuti vave nemitemo miviri yakasiyana.
Mudzimai ane hutano angasarudza hurongwa huri pasi-hutengo nehuwandu hwekugadzirisa muchengeti wepamusoro uye huwandu hwekunze kwehupfumi, asi mudzimai wako ane chirwere chinogona kuda chirongwa chinodhura chakange chine muchengeti wemuchina wepamusoro uye akadzika kunze kwe -pocket cost.
Izvi hazvizoiti nguva dzose, kunyanya kana mumwe mukadzi aine ruzivo rwehupamhi-hutano hwevanoshandira-urongwa hunotsigirwa huchavafukidza zvose pamwe nekodzero yakakodzera. Asi zvichienderana nemamiriro ezvinhu, dzimwe mhuri dzinoona kuti zvakangwara kusarudza zvirongwa zvakasiyana zvichienderana nezvido zvekurapa zvakananga.
Migumisiro yeAalth Savings Accounts
Kana uine Health Savings Account (HSA) kana unofarira kuva nechimwe, iwe unoda kuziva kuti zvinorevei kuva nehutano hwehutano hwehutano.
Iwe unogona kuwedzera kusvika ku $ 6 900 kusvika kune HSA muna 2018 kana iwe uine "mhuri" kugoverwa pasi peHSA-yakakosha chirongwa chehutano chakakosha (HDHP). Kuvharana kwemhuri zvinoreva kunge nhengo mbiri dzemhuri dzinovharwa pasi peurongwa (kureva, chero chimwe chinhu kunze kwekuti "pachake bedzi" iri pasi peHDHP).
Kana iwe uine chirongwa cheHSA-chimiro chaunenge uri iwe chete iwe nhengo yechipupuriro, muganhu wako weHSA muganhu muna 2018 ndeye $ 3 450. Iwe nomudzimai wako mune imwe neimwe inogona kuparadzanisa HSA uye kupatsanurwa kweHSA-yakakodzera yakagadziriswa zvirongwa zvehutano hwakakosha. Asi kana mumwe wenyu ane chirongwa cheHSA-chakanaka (asina vamwe vedzimba dzemhuri purogiramu) uye mumwe ane hurongwa hwehutano hwehutano husati huri HSA-hunofanirwa, mupiro wako weHSA uchasvika kuma $ 3 450 muna 2018.
Mushandi-Apihwa Health Health Insurance
Vanenge hafu yevaAmerica vose vanowana inshuwarhu yehutano yavo kubva kumushandi-anotsigirwa-nechepamusoro-soro kune imwe nzira yakawanda yekugovera. Kana vaviri vakaroorana vachishanda kune vashandi vanopa ruzivo rwekugovera, mumwe nomumwe angave ari purogiramu yavo pachavo. Kana vashandi vachipa rubatsiro kune vakaroorana, vaviri vacho vanogona kusarudza kana zvine musoro kuti vave nezvirongwa zvavo, kana kuwedzera mumwe mukadzi kune imwe yeurongwa hunotsigirwa nevanoshandira.
Kune zvinhu zvakawanda zvekuchengeta mupfungwa apo uri kusarudza nzira yakanakisisa yekuita:
- Vashandi havakwanisi kupa kugovera kune vakaroorana. Iko kusingakwanisi Kuchengetedza Mutemo inoda vashandi vakura ( 50 kana kupfuura vashandi ) kuti vape ruzivo kuvashandi vavo venguva yakazara, uye vanovada kuti vape kupa ruzivo kuvana vanovimba nevashandi. Asi hapana chikonzero chekuti vashandi vanopa kugoverwa kuvashandi vevashandi.
- Izvo zvakati, ruzhinji rwevashandi vanopa ruzivo runobvumira vakaroorana kunyora muurongwa. Vamwe vashandi vanopa kuvhiringidza murume nomudzimai bedzi kana mudzimai wacho asingakwanisi kupiwa purogiramu yavo yebasa.
- Pasi peAACA, kuparidzirwa kwevashandirwi vakakura kunopa kuvashandi vavo venguva yakazara kunofanirwa kufungidzirwa kutenga, kana zvisina kudaro mushandirwi anotarisana nemukana wekutengesa mari. Asi kukwanisa kugadzirisa kunobva pamutengo wekambani yevashandi, pasinei nemari yekuwedzera vanovimba kana mumwe wako kumurongwa . Izvi zvinozivikanwa sehutano hwemhuri , uye zvinoguma mune dzimwe mhuri dzinotarisana zvakakosha mari yekuwedzera mhuri kune chirongwa chinoshandiswa nevashandirwi, asiwo kusina kukodzera kubatsiri pakugoverana.
- Asi vashandi vakawanda vanobhadhara chikamu chechirango chemari yekuwedzera mhuri, kunyange zvazvo vasina kudiwa kuita kudaro. Muna 2017, zviyero zvepamuhuri zvakakwana zvekugadzirisa mhuri pamagadzirirwo ehurumende-zvakabhadharwa aiva $ 18,764. Pamusoro pezviyero izvi, vashandi vakabhadhara muvhareji ye $ 13,049, kana kuti inenge 70 muzana. Asi izvi zvakasiyana zvikuru zvichienderana nehukuru hwesangano; makambani mashomanana haatombokwanisi kubhadhara chikamu chakakura chepayamuro yekuwedzera vanovimba uye vakaroorana kuvashandi vavo.
- Vamwe vashandi vanowedzera zvikwereti kune zvikwereti zvavanobhadhara kune vakaroorana kana mudzimai wacho ane chisarudzo chekugoverwa kubasa ravo. Kana iwe waunoshandira achiita izvi, mari yose yaunoda kuonekwa iwe kana iwe uchipwanya nhamba kuti uone kana zviri nani kuva nevakaroora vaviri muurongwa humwechete, kana kuti mumwe nomumwe wavo anoshandisa chirongwa chavo chavanoshandisa.
- Kusiyana naizvozvo, vanenge 10 kubva muzana yevashandi vanopa mari kune vashandi vavo vanozvinyorera muurongwa hwemumwe wavo pane kunyora muurongwa hwebasa raanoshandira. Iyi mibvunzo iwe waunoda kutarisana nedhipatimendi rako rehupfumi panguva yaunotora nguva yekunyora pakutanga uye nguva yako yekunyora yakasununguka gore negore. Kana iwe unonyanya kunzwisisa nezvechinzvimbo chako chaunoshandira pakuroorana nemukadzi wako (nzvimbo yewawakaroorana naye), iwe unofanirwa kuve iwe unofanirwa kuita sarudzo.
Individual Health Insurance
Kana iwe uchitenga utano hwako hwehutano inshumo, zvichida kuburikidza nekutsinhanisa kana kusina -kushandurana , uri mune izvo zvinozivikanwa semumwe mutengesi. Iwe une sarudzo yekuisa vaviri vakaroorana pane imwe chirongwa, kana kusarudza zvirongwa zviviri zvakasiyana.
Iwe unogona kusarudza zvirongwa zvakatsaurwa kunyange kana iwe uri kunyoresa muchitsinhanisi nemabhadharo ekubhadhara kuti uwane rubatsiro rwekubhadhara, vakaroorana vanyoresa vanofanira kutora mutero wekubatanidza mutero, asi haafaniri kuva nehutano hwehutano hwehutano. Shanduro ichaverenga mari yako yose yekubhadhara mari zvichienderana nemari yako yemhuri uye inoshandisa iyo mazano amunosarudza. Iwe uchayananisa rubatsiro rwemutero wako unodzoka nenzira imwecheteyo iwe waizodaro kana iwe uine chirongwa chimwe chekufukidza mhuri yako, uye mari yose yekubhadhara iwe waunowana ichave yakangofanana neyoizoita kudai iwe waiva pamwe chete pane imwe chirongwa (mari yaunobhadhara muzvikomborero zvichange zvakasiyana, zvisinei, sezvo kubhadhara mari yose yekutanga-kubhadhara kwezvirongwa zviviri zvingangodaro zvakasiyana kubva kubasa rose risati rabhadhara mari yekuti vaviri vakaroorana pane imwe chirongwa).
Iwe unogonawo kusarudza kuva nemumwe muwanasikana awana purogiramu yechitsinhanisi uye imwewo chirongwa chekutsinhanisa. Izvi zvinogona kuva chimwe chinhu chokufunga kana, somuenzaniso, mumwe murume ari kugamuchira kurapwa kubva kune vanotakura avo vari mu-network pamwe chete nevatengesi-vatengesi. Asi chengetedza mupfungwa kuti hapachina mari inowanikwa kunze kwekutsinhanisa, naizvozvo muwani ane chirongwa chekutsinhanisa achabhadhara mutengo wakakwana wekugoverwa. Uye nepo mudzimai wacho achitsinhanisa kugoverwa achiri kukodzera kubhadhara mari inobva pamhuri yose yepfuma uye nhamba yevanhu vari mumba, mari yose yekubhadhara mari inogona kunge yakaderera ( pano ndiyo mienzaniso kuratidza kuti izvi zvinoshanda sei ).
Kana mumwe mukana akwanisa kugadzirisa chirongwa chinogona kubhadharwa nevanoshandira uye mumwe mudzimai anenge akakodzera kuwedzerwa kune chirongwa ichocho asi anosarudza kutenga imwe purogiramu yemakethe panzvimbo, hapana ruzivo rwepamberi runowanikwa kuti huderedze mari yeurongwa hwega, sezvo hazviwanikwi kuvanhu vane ruzivo rwekubhadhara mari inoshandiswa nevashandirwi.
Hurumende-Inotsigirwa Health Health Insurance
Mune zvimwe zviitiko, mumwe mukadzi angave akakodzera kuhurumende-inotsigirwa nehutano inshuwarisi, asi imwe isiri iyo. Mimwe mienzaniso inosanganisira:
- Mumwe mudzimai anoshanyira 65 uye anove akakodzera kuMedare , asi mumwe wacho achiri muduku kudarika 65. Kunyange kamwe vaviri vakaroorana vanofanirwa neMurengeti, kuparidzira kwose kweMedare kune mumwe munhu, pane mhuri. Mumwe nomumwe wavo achave nekuparadzanisa pasi peMedarere, uye kana vachida kuwedzera kubhadhara (zvichida kuburikidza nepurogiramu ye Medicare Advantage inotsiva Original Medicare, kana Medigap uye Medicare Part D kuti iwedzerwe Original Medicare), mumwe nemumwe wavo achava nemitemo yavo.
- Mumwe murume akarovererwa uye anokodzera kuMedicaid kana Medicare, asi mumwe wacho akakwanisa.
- Mukadzi ane pamuviri anogona kukodzera kuMedicaid kana CHIP (mirayiridzo inopesana nehurumende), asi mudzimai wake haaiti.
Kana mumwe mudzimai akakodzera hurumende inotsigirwa nehutano inshuwarisi, imwe inogona kuramba ichiine inshuwarhu yehutano yega. Mamiriro ezvinhu akadaro angashanduka munguva. Semuenzaniso, mukadzi ane pamuviri angasazofanirwa neMedicaid kana CHIP mushure mokunge mwana aberekwa, uye angave achida kudzokera kune hurongwa hwehutano hwehutano hwehutano panguva iyoyo.
Hapana humwe-hutano-hunofanirwa-zvose maererano nezvokuti varoorana vanofanira kunge vari pane imwe hurongwa hwehutano inshuwarano. Mune zvimwe zviitiko, havakwanise kuwana zvirongwa zvakafanana, uye mune dzimwe nguva, zvinobatsira kuti vave nezvirongwa zvakasiyana, nekuda kwezvikonzero zvakasiyana-siyana.
> Sources:
> Dhipatimendi Rezvoutano uye Human Services. Murwere Anodzivirirwa uye Anogadziriswa Care Care Act; HHS Chinyorwa cheBatsiro neZokubhadhara Zvikamu zve 2018; Kugadziriswa Kunyoresa Zviitiko Zvenguva Dzakasiyana uye Mutengi Anoshandiswa uye Akarongwa Purogiramu. December 22, 2016.
> Internal Revenue Service, Nzira dzeMutero 2017-37 .
> Kaiser Family Foundation, Average Annual Workplace Family Premium Health Premium Rise Modest 3% kusvika $ 18 142 muna 2016; Vashandi Vanyori Vanyoresa muHurumende-Deductible Plans NeKuponesa Kwekupfuura Kwemakore maviri apfuura.
> Kaiser Family Foundation, Employer Health Benefits, 2017 Chidimbu cheZvitsva.
> Kaiser Family Foundation, Health Insurance Coverage ye Total Population.
> Medicaid.gov. Medicaid uye CHIP Zvigadziriswa Nhamba.