Kunzwisisa Mutsva unoderedza Deductibles, Copays, uye Coinsurance
Kutenga utano hwehutano inodhura, asi kubhadhara mutengo wepa mwedzi wega wega kwete iyo chete mari inoshandiswa. Iwewo unofanirwa kuribhadharira madhadharo , zvikwereti, uye coinsurance nguva imwe neimwe yaunoshandisa utano hwako hwehutano.
Izvi zvinowanikwa kunze kwehomwe mari inozivikanwa semari yekugovana mari. Vanogona kuwedzera kusvika kuzviuru zvemadhora gore negore.
The Affordable Care Act yakagadzira rubatsiro rwekutenga nekushandisa utano hwehutano huripo kune vanhu vane mari shoma.
Kune marudzi maviri akasiyana ekutsigirwa:
- Mari inobhadhara mari yemishonga yemishonga yemishonga yemishonga yehutano kwemazuva ose kuitira kutenga unhu hwehutano hwehutano hwakakosha. Dzidza zvakawanda pamusoro peizvi, " Maitiro eUnited Health Insurance Subsidy Work-Kunzwisisa Premium Tax Credit ."
- Kunotsigira kunobatsira kubhadhara mari-ye-podha mari zvakadai sokuderedza, zvinyorwa, uye coinsurance. Izvi zvinozivikanwa sekuderedzwa kwekugoverana mari uye inouya mune zvikamu zviviri zvakajeka, zvose zviri zviviri zvinosanganiswa pamagadziro anokodzera kugoverana mari mari.
- Yokutanga inoderedza kupera kwako kwe-pocket . Dzidza zvakawanda mukati, " Kupi Rubatsiro Rwunoita Kuderedza Basa Rako Rokunze-Kwemahombekiti ."
- Chechipiri, rubatsiro rwakataurirwa pano, runoderedza mari yaunobhadhara kudhara, kubhadharwa uye kubhadhara mari imwe neimwe paunoshandisa inshuwarhu yako yehutano.
- Kugovana-kugovera rubatsiro kunowanikwa chete kana iwe ukatenga chirongwa chesirivha, uye zvinowanzobatanidzwa pane zvese zvesirivha kana mari yako isingapfuuri 250 muzana yehurombo uhu. Izvi zvinopesana nekubhadharwa kwepayimusi, iyo inogona kushandiswa kumhangura, sirivha, goridhe, kana zvirongwa zvekusimudzira, uye izvo zvinogona kugamuchirwa kana kurambwa pamubvunzo wevanyori.
Ko Kuderedzwa Kunoderedzwa-Kugoverana Kubatsiri Kushanda Kunoshanda Sei?
Iko kuderedzwa mari-kugovera rubatsiro kunoderedza yako-ye-podhazvino mari yako paunoshandisa utano hwako hwehutano. Somuenzaniso, kana urongwa hwako hwehutano hwaizoda mari yekubhadhara mari ye $ 50 nguva dzose paunoshanyira chiremba, rubatsiro rwekugoverana mari dzinogona kuderedza mari yekubhadhara kuitira kuti iwe ubhadhara $ 20 paunoona chiremba.
Kana hurongwa hwako hwehutano hwaizowanzoda mari inodarika $ 2,000, mari yekugovera mari inogona kuderedza iyo inoderedzwa.
Zvakafanana nekuwana kusununguka kusununguka kwehutano inshuwarisi. Iwe unobhadhara mwedzi umwechete wepurogiramu yaunenge waibhadhara kwehuwandu hwehutano hwehutano inshuwarheni , asi inshuwalhu yehutano yaunowana inobatsira kupfuura yevhareji nekuti inopa chikamu chikuru chekuchengeta utano hwako.
Mari Inobhadharwa Zvakadini?
Iko kuderedzwa mari-kugovera rubatsiro rubatsiro hakunokubhadhara iwe mari . Pane kudaro, inokuchengetedza mari nekuderedza mari yako-kugovana mari. Mari iyo inokuchengetedza iwe inofanirwa nemari yako uye nezvehuwandu hunoshandisa utano hwako hwehutano.
Varombo iwe uri, kunyanya kugovana-mari yako kunoderedzwa. Kuwanda kwekuderedzwa uku kwakavakirwa pakuenzanisa zviwanikwa zvako kune federal paurombo huri nani . Urombo hwehurumende hunochinja gore roga roga, uye hunobva pane zvose zvaunowana uye mhuri yako kukura.
Pasina mari yekugovera mari , kambani yako yehutano inshuwarheni yaizobhadhara zvinenge makumi manomwe kubva muzana yezana rose rehutano hwehutano hwehutano kune vose vanyoresa (yeuka, unofanirwa kusarudza chirongwa chesirivha kuti uwane mari yekugovera mari, uye zvirongwa zvesirivha zvinowanzobhadhara zvakanyanya 70 kubva muzana yezvinokwana mari yeboka ravo rose revanyorese).
Nekubhadhara mari yekugovana, kambani yako yehutano inshuwarheni ichabhadhara:
- 94 muzana yevhareji yekutengesa (kureva, yakanaka pane chirongwa cheplatinum) kana mupiro wako uri 100 kubva kune 150 muzana yeFPL.
- Kune vanhu vane mari ya2017 kubva ku $ 11,880 kusvika ku $ 17,820.
- Kune vakaroorana vane 2017 mari kubva ku $ 16,020 kusvika ku $ 24,030.
(cherechedza kuti muchengeti wepasi wepakati wemagadziro anokodzera kugoverana mari mari ndeye 139 muzana yeFPL mumatunhu akawedzera Medicaid , sezvo vanhu vari mumatunhu iwayo vakakodzera Medicaid nemari inowana kusvika 138 muzana yehurombo huri).
- 87 muzana yevhareji yekutengesa (kureva, yakanaka kudarika chirongwa chegoridhe, chinenge chakanaka seurongwa hweplatinum) kana mupiro wako 150 muzana kusvika 200 muzana yeFPL
- Kune vanhu vane mari ye 2017 kubva ku $ 17,820 kusvika ku $ 23,760.
- Kune vakaroorana vane 2017 mari kubva ku $ 24,030 kusvika ku $ 32,040.
- 73 muzana yevhareji yezvokudya (kureva, yakanaka kudarika chirongwa chesirivha chaiyo) kana mari yako iri 200 muzana kusvika 250 muzana yeFPL
- Kune vanhu vane mari ye 2017 kubva pa $ 23,760 kusvika ku $ 29,700.
- Kune vakaroorana vane 2017 mari kubva ku $ 32,040 kusvika ku $ 40,050.
Kambani yveshuwarhu yehutano yehutano inogona kugadzirisa kudhura-kugovana kudhura asi inoda chero bedzi urongwa hwehutano huripo huwandu hwemazana ehuwandu hwehutano hwehutano hwemari. Semuenzaniso, inogona kusarudza kuderedza yako yakabhadharwa nemuzhinji, asi siya mari yako yepayinari isingashanduki. Kana kuti, zvinogona kuderedza kuderedza kwako, asi kubvisa mari yako yepayidi uye kuderedza yako coinsurance.
Zvakakoshawo kuyeuka kuti chikamu chemari inowanikwa nehutano hwehutano inshuwarano inoreva kuwandisa kwakawanda kune vanhu vose-kwete kugoverwa kweumwe munhu. Kana iwe ukaramba uine hutano mukati megore rose uye uchingopinda zvishoma muhutano hwekuchengetedza hutano, iwe uchabhadhara chikamu chikuru chemari yako yose kupfuura munhu ari kurwara zvikuru uye inokonzera mari zvakanaka pamusoro peiyo yose ye-ye-pocket yakawanda yeurongwa .
Zvimwe zvekutarisira mari yehutano hazvibatanidzi mukuderedza kudhura kwako. Zvaunoita kunze kwehomwe yemari yezvinhu zvisingafukidzwi nehutano hwehutano inshuwarheni kana kuti hazvibatsiri hutano hunobatsira hazvingaderedzwi. Chikamu chekoderedhi-chikwereti chekuchengetedza iwe unowana kunze-kwe-network hachizogadziriswa, saka unamatire ne -in-network providers kuti uwane zvakanyanya kubva kubhadhara yako.
Ndiani Anokodzera Kubhadharwa Kwemishonga Inishuwarenzi Yehutano?
Kuti uwane chikamu chekuderedzwa kwekubhadhara mari, iwe unofanira:
- Tenga utano hwako hwehutano kuburikidza nehutano hwehutano hwehutano .
- Sarudza chirongwa chehutano -silver-tier .
- Iva nemari kubva kubva ku100 kusvika ku 250 kubva muzana yeFPL (139 muzana kusvika 250 muzana mumatunhu akawedzera Medicaid).
- Gara kuUnited States zviri pamutemo.
- Kwete kuiswa mutirongo.
- Iva nemutero wekunyoresa mutero wekuroorwa nekuroorana pamwe chete kana iwe wakaroorwa.
Nzira Yokushandisa Nayo Kubhadhara-Kugovera Rubatsiro
Shandisa iyo yakaderedzwa mari yekugovera rubatsiro kuburikidza nehutano hwehutano hwehutano huripo iwe uri kutengesa hutano hwehutano. Iwe unogona kubhadharira mari yekubhadhara mitero-chikwereti chekubhadhara uye iyo yakaderedzwa kunze kwe-pocket-yakanyanya rubatsiro panguva imwechete. Iva wakagadzirira kupa shanduko mashoko pamusoro pemari yako, hukuru hwemhuri, uye mushandirwi kana iwe uine basa. Kana iwe uchikodzero yekugoverana mari dzinobhadhara mari, huwandu hwekugoverwa huchavakwa mune zvose zvese zvesirivha zvinowanikwa kwauri kuburikidza nekushandura.
Kunze kwemamiriro ezvinhu chaiwo, iwe unongonyora chete muhutano inshuwarhu kuburikidza nehutano hwehutano hwehutano hwehutano panguva yekunyora kuzarura nguva. Vhura kusungirirwa kwe 2017 kumhanya kubva munaNovember 1, 2016 kusvika munaJanuary 31, 2017. Purogiramu imwechete ichashandiswa muna 2018, asi kutanga nehuwandu hwegore ra2019, kubhadhara pachena kunopera muna December.
Kana iwe unyoresa mune sirivha-plan uye wogamuchira rubatsiro asi mari yako inoshandiswa mukati megore, regai utano hwehutano inshuwarani uzive. Kana mari yako yakaburuka, iwe unogona kukodzera kuwana mari yako kugovera kuderedzwa kunyanya.
> Sources:
> Dhipatimendi Rezve Utano uye Humana Services, Actuarial Value uye Mari-Kugoverana Kuderedza Bulletin ,
> Dhipatimendi reZvipatano neHuman Services, Chiziviso cheBatsiro neZvipo Zvokubhadhara zve 2017.
> Jost, Timothy, "Implementing Health Reform: Kubatsira uye Kubhadhara Parameters Final Rule" yakawanikwa paHealthAffairs.org,
> Murwere Muchengetedzo & Affordable Care Act , chikamu 1402 (c).