Inotengeswa Care Care Act Inowedzera Kuendesa Kwekuchengetedza Kusvika 26
Mutungamiri Obama akasayina Mutengo Wakatarisira Mutemo mumutemo muna March 2010. Zvizhinji zvezvakagadzirirwa zvakanonoka kusvikira gore ra2014, asi zvimwe zvikamu zvemurairo zvakatanga kushanda mumwedzi mishoma yapfuura mushure mekunge mutemo wakagadzirirwa.
Sezvo ACA ikasayirwa mutemo, Dhipatimendi reZvipatano neHuman Services (HHS), yakatanga kuparidzira mitemo yekuita zvigadziriswa mumutemo maererano nemitemo inoda nguva .
Chimwe chezvinhu zvakakosha mumutemo wehutano hwezvehutano hwakagadziriswa muna 2010 kwaive kuwedzera kwekuchengetedzwa kwehutano kuitira kuti vese vechidiki vaduku vave nehutano hwehutano inshuwarhu. Kunyange zvazvo urongwa uhwu hwakarongerwa kutanga musi waSeptember 23, 2010, Munyori weHHS apo, Kathleen Sebelius, akawana kuzvipira kubva kumakambani ehutano hwehutano hwehutano hutano kuti atange kushandiswa kwehuwandu hwekugadzirisa muna May 2010. Izvi zvakabvumira vadzidzi vazhinji vakapedza kudzidza kubva kuchikoro kumagumo echinyakare kuti arege kupedzisira kuripo.
Sei Kwakaparidzirwa Kuchengetedzwa Kwemagadzirirwo Aidiwa?
Pamberi pekufamba kweAne Affordable Care Act, makambani akawanda einishuwarenzi akakanda vaduku vechidiki kubva muzvirongwa zvehutano hwevabereki vavo nekuda kwezera ravo uye / kana kuti mudiki uyu haasati asangana neIrS tsanangudzo yevanhu vanozvimirira-kazhinji pakarepo vaduku munhu mukuru akanga asisiri mudzidzi wenguva yakazara. Izvi zvakasiya vakawanda vejijiji vashandi nevamwe vechidiki vaduku vasina inshuwalhu yehutano.
Uye, maererano nehuwandu hwakataurwa neB Obama Administration:
- Pre-ACA, vechidiki vechidiki vaiva nehuwandu hwepamusoro hweusina kuvimbiswa kune rimwe boka rezera. Vanenge makumi matatu kubva muzana vevechidiki vakuru vakanga vasingabatsiri - chiyero chaive chakakwirira kudarika rimwe boka rezera.
- Vechidiki vechidiki vane yepamusoro yehuwandu hwekusvika kune avo vanoshanda-based inshuwarisi. Nokuti vechidiki vakuru vatsva kumusika webasa, vanowanzova "mabasa ekupinda, maitiro emabasa, kana mabasa mumabhizimisi mashomanana asingawanisi kupa inshuwarisi yehutano." Izvi zvinoramba zvichiitika mumakore mashomanana gare gare, asi kusvikirwa kuvabereki vehutano inshuwarisi kwakabatsira kubhururuka muvharo.
- Utano hwevanhu vaduku nehupfumi hwaiva pangozi. Kunyange zvazvo vechidiki vakawanda (uye vamwe) vasingafungi kuti vanoda utano hwehutano inshuwarheni, ivo, kuti vatsanangure Munyori Sebelius, "danho rimwe chete kubva pangozi kana chiitiko chinokonzera." Kutaura zvazviri, mumwe muvaduku vatanhatu ane chirwere chisingaperi kenza, chirwere cheshuga kana chirwere cheputi uye pamberi peAACA, inenge hafu yevaduku vasina kuvimbiswa vakaudza kuti vane dambudziko rekubhadhara zvikwereti zvavo zvekurapa pamberi peAACA.
Utano Hwakachinja Sei Kunopa Rubatsiro Kune Vechiduku Vakuru?
Iko inogadziriswa Care Act inoda zvirongwa zvehutano zvinopa kugoverwa kune vana vanotarisira pane chirongwa chevabereki vavo kuita kuti kugoverwa kunowanikwa kusvika mwana mukuru akusvitsa makore makumi maviri nemakumi matatu, pasinei nokuti wechidiki uyu achiri kutaridzika akazvimirira pamutero wemitero.
Musi waMay 10, 2010, federal Departments of Health and Human Services, Labor, uye Treasury (IRS) yakabudisa mitemo inodikanwa yekuita kuti kuwedzerwa kwekuchengetedzwa kwevanhu vakaremara kusvika kune makore makumi maviri nemakumi mana. Mamwe emitemo inokosha inosanganisira:
Bhuku Rakawedzerwa Kune Vana Vakura Vana
Zvirongwa zvehutano zvinopa hutano hwehutano hunofanirwa kupa hutano hwehutano kuvanyoresa vana vevana vakuru kusvikira makore makumi maviri nemaviri, kunyange kana vana vakuru vasiri kuraramazve nevabereki vavo, havasi ivo vanovimba nemutero wemubereki wavo, kana kuti havachiri vadzidzi.
Mutemo uyu unoshanda kune vose vakaroorwa uye vasina kuroora vana, kunyange zvazvo avo vakaroorana nevana vasingakwanisi kugoverwa. Uye inoshandawo mune zvose uye boka rehutano inshuwarisi yemisika: Hazvina basa kuti vabereki vacho vanowana inshuwarhu yehutano kuburikidza nemushandi kana kuti vanozvitenga ivo pachavo, vana vavo vechidiki vaduku vanogona kuvharwa pane chirongwa chero bedzi chirongwa ichi inowedzera kuparidzira chero ani zvake anovimba navana.
Vose Vakagamuchirwa Vechidiki Vaiva Nenguva Yokunyora Inokosha Imwe
Chinodiwa kuti vechidiki vakuru vabvumirwe kuramba vari muzvirongwa zvevabereki vavo kusvikira makore makumi maviri nemakumi maviri nemakumi maviri (26) vachishandiswa kuronga / chinangwa makore kutanga kana shure kweSeptember 23, 2010.
Vakawanda vezvesitori vakashandura urongwa hwakapfuura, asi ivo vose vaifanira kuita saizvozvo nokuvandudzwa kwavo kwekutanga shure kweSeptember 23, 2010.
Uye zvirongwa zvose zvaifanira kuisa nguva yekunyora inokosha-inogara kwemazuva makumi matatu-panguva iyo vechidiki vaduku vakanga vasati vatarisana nevabereki vavo vakapiwa mukana wekuwedzerwa kurongwa. Iyi nguva yekunyora yakanga iripo pasinei nokuti yakabatana neyo chirongwa chekunyora nguva yakazara. Yakanga iripo kune vechidiki vangave vakwegura kubva kune zvirongwa zvevabereki vavo, pamwe nevechidiki vaduku vakange vasarudza kusavharwa pane chirongwa chevabereki vavo kune zvimwe zvikonzero.
Kubva panguva iyo, vechidiki vakuru vave vachikwanisa kuramba vari muzvirongwa zvevabereki vavo kusvikira vava nemakore makumi maviri nemaviri, asi vakangokwanisa kudzokerazve kuvarongwa vavabereki vavo panguva dzese dzevadzidzi dzekunyora dzakasununguka, kana panguva yekunyora yakakosha yakakonzerwa nechiitiko chinofanirwa-vaduku Vanhu vakuru havagoni kungobatanidza urongwa hwehutano hwevabereki pose pavanenge vachida.
Izvo Zvakanakira Zvikomborero Pamutengo Wakafanana
Urongwa hwehutano hwehutano huripo hunopa hutachiwana hwehutano hunofanirwa kupa munhu akakodzera wechidiki mhando imwechete iyo inowanikwa kune vanhu vakafanana avo vasina kurasikirwa nehutano hwehutano nokuti mamiriro avo akazvimirira akapera. Uyezve, chirongwa chehutano hachikwanisi kuti mudiki wechidiki abhadharwe zvakawanda nezvehutano hwehutano kunze kwevamwe vanovimba nemakore.
Asi mumashamba emunhu mumwe nomumwe uye maduku, ACA inongedza makore ekuwedzerwa anowedzera pazera remakore makumi maviri nemaviri, saka wechidiki wechidiki anopfuura makore makumi maviri nemaviri achabhadhara mari inowanikwa muhurukuro kupfuura mwana muduku.
Mitero Mitsva Inobatsira Yevaduku Vakura
Rimwe remamwe mazano asinganzwisisiki evashandi-vanochengeterwa utano hwehutano inshumo ndechokuti kukosha kwekugoverwa hakubvumirwi nemari yevashandi. Kana inshuwarisi yehutano yenyu inodhura madhora gumi nemashanu ($ 15,000) pagore (yakabhadhara chikamu newe uye chikamu nemushandi wako), iwe haubhadhara mutero pa $ 15,000 iyoyo. Izvi zvinopesana nevanhu vanozvitengera hupenyu hwavo hutano inshuwarisi, vanotarisana nemitemo yakawanda yekutendeseka maererano nemutero-kutengesa kwehutano hwavo hwehutano .
Pasi pemutengo unobhadhara Care Act, kubatsirwa uku kunoendeswa kune vechiduku vaduku kusvika pazera remakore makumi maviri nemaviri. Kana vashandi vakasarudza kuvhara vana vavo vaduku kusvika pazera remakore makumi maviri nemana, kukosha kwehushandi hwehutano huripo huripo huripo kubva kune mari. Izvi zvinopfuurira kusvika pakuguma kwegore rinotengeswa umo mudiki wechidiki anoshanyira 26 (vamwe vashandi vanosarudza kurega vana vechidiki vaduku vachirambira muchirongwa kusvikira pakuguma kwegore ravanosvitsa makumi maviri nemaviri, pane kuvadzivisa kubva kurongwa nokukurumidza pavanosvika 26).
- Mutero wekubhadhara wakatanga kushanda musi waMarch 30, 2010, uchiita kuti uwane pakarepo apo ACA yakagadzwa.
- Mutero wekubhadhara mutero unoshandawo kune avo vanofanirwa kubhadharwa nehutano hwehutano hwehutano pamusangano wavo wekubhadhara mutero . Inishuwarenzi yehutano haisi nguva dzose inobhadhara mutero, asi vanhu vanozvishanda vanogona kudhara miriyamu yavo pasina kuve nokudzikinura. Mukudaro, vanobvumirwa kutora mari yepayimari yevana vechidiki vaduku vanogara pazvirongwa zvavo kusvikira makore 26.
The Result
6.1 mamiriyoni evanhu vechidiki (vane makore 19 kusvika ku25) vakanga vawana rubatsiro pasi peAACA kutanga kwegore ra2016. Vanopfuura hafu yavo vakawana kugoverwa sezvo kugoverana , rubatsiro rwekutanga , uye kuwedzerwa kweMedicaid kwakagadzirisa muna 2014. Asi mamiriyoni 2.3 evanhu vakuru vakawana kuparadzanisa pakati 2010 uye 2013, zvichibva pamusangano weAACA wakavabvumira kuramba vari muurongwa hwehutano hwehutano hwevabereki kusvikira makore 26.
Uye kunyange zvazvo Mutungamiri weTrump neVaRepublican lawmakers vakamanikidza kubviswa kweAACA, urongwa hunobvumira vechidiki kuti varambe vari muzvirongwa zvehupenyu hwevabereki vane bipartisan kutsigirwa uye inogona kuramba iri munzvimbo inoenderera mberi, pasinei nokuti pane zvimwe zvingashandurwa kusvika kuAACA (sekutanga kwegore ra2018, kuchinja kwekutevedza kwemutemo chete kwakapedzisira kushandiswa kwehurumende yega, iyo inoshanda muna 2019; yose yeAACA inoramba isingaiti).
> Sources:
> CalCPA Health. Kunzwisisa Premium Rating Pasi pekutengesa Care Act. December 1, 2015.
> CMS.gov. Nzvimbo yeVatengi Ruzivo uye Inishuwarenzi Kutarisa. Vechiduku Vakuru uye Vasingakwanisi Kutarisira Mutemo: Kuchengetedza Vaduku Vakuru uye Kubvisa Mitoro Pamhuri neBhizimisi.
> HHS.gov. Vanhu vanosvika mamiriyoni makumi maviri vakawana hutano hwehutano inshuwarheni nekuda kweAne Affordable Care Act, maonero matsva anoratidza. March 3, 2016.