COBRA Inoita Kuti Chengetedzo Yako Ive Yakanaka, Asi Kwete Zvekuda Zvemari
Kana ukarasikirwa kana kusiya basa rako, bvisa kurambana, kana kuti makore kubva muhutano hwehutano hwevabereki vako , unogona kukodzera kuCOBRA . COBRA inokubvumira kuchengetedza sarudzo imwechete yehutano yakabhadharwa iwe waive usati wapera basa rako kana kurasikirwa. Asi kuva akakodzera kuCOBRA hazvireve kuti iwe unogona kuripa.
Kuwanda kwehutano inshuwarhu yako huchaderedzwa sei pasi peCOBRA inobva pakuti chirongwa chakafanana chehutano chinobhadhara sei kusati kwachinja kuCOBRA.
Mishandirapamwe yako yeCOBRA yemwedzi yega yega ichave iyo mari yose yehutano hwepurogiramu yako yezvehutano pamwe ne 2% yebhadharo yebasa.
Asi, kusungira musiti kunetseka kana iwe wakamboshandiswa kuva nemishonga yako yemainishuwarensi yehutano inobhadharwa nemushandirwi wako, wawaimbova wawakaroorana naye, kana mushandirwi wemubereki wako. Kubva pamishandirapamu yemabasa-based health health inshuwarheni inowanzobhadharwa muchidimbu nemushandi uye mune chikamu nemari yakabviswa pamarikiti yako, zvinowanzove zvisingazivi kuti mari yezvokwadi yepurogiramu yako yehutano yehutano kunyange iwe unoziva yakawanda sei yemari yako.
Vashandi vanowanzobhadhara huwandu hwemarikiti yakakwana (asi izvi zvinomira mushure mekunge maenda kuCOBRA). Bhuku re 2016 Kaiser Family Foundation rakaratidza kuti vashandi vanobhadhara muvhareji inenge 82 kubva muzana yemari yevashandi vavo vehutano inshuwarisi, uye inenge 70 kubva muzana yemhuri yepamusoro yevashandi vanowedzera nhengo dzemhuri kusvika pakugovera kwavo.
Kuti uone mishandirapamu yako yeCOBRA, unofanira kuwedzera zvawakashandira iwe mubhadharo kumabhadhayamu ako kune zvawakave uchibhadhara muzvikwereti, uye wobva wawedzera 2% yebhadharo yebasa.
An Example
Ngatiti iwe une $ 125 inotorwa kubva kune imwe mubhadharo yehutano inshuwarhu. Iwe unobhadharwa kaviri pamwedzi, saka yako chikamu chemariyamisiro emwedzi ndeye $ 250.
Washandi wako anopa $ 400 pamwedzi kuenda kumishonga yako yemainishuwarenzi yehutano, saka mari yose yebasa rako-based health plan iri $ 650 pamwedzi.
Kuti uwane 2% yebhadharo rebasa, wedzera $ 650 madhora emwedzi pamwedzi ne 0.02. Iwe uchawana $ 13. Wedzera iyi $ 13 yebhadharo yebhadharo ye $ 650 yemari yepamusoro uye mari yehutano yehutano yeCOBRA ichava $ 663 pamwedzi.
Kwatingawana Mashoko Aunoda
Mushandi wako anobatsirwa kana hufumi yehofisi inogona kukuudza kuti zvikwereti zvako zveCOBRA zvichave zvakadini, asi pane zvingangodaro zvaunoda kuzviona kunze kwekururamisa mushandirwi wako kuti uri kutarisa kusiya basa rako.
Dare reH HR rinogona kukuudza kuti mubhadhari wako ari kuve akaita sei mwedzi woga woga kune hutano hwehutano inshumo. Kubva ipapo, iwe unongoda kutarisa paystubs yako kuti uone kuti wange uri kugovera mwedzi woga woga pamarikiti yemari. Wedzera zvipo zvako kune zvipo zveushandi wako, uye wobva wawedzera 2 muzana kune yose.
Zvisinei, kana uri kuchinja kubva kune rimwe basa-based family plan kurudziro rweCOBRA rukura, somuenzaniso, nokuti uri kurambana kana kukwegura kuronga kwemubereki wako, zvingava zvakaoma kuverenga premiums nenzira iyi iwe pachako nokuti iwe 'kwete kuenzanisa maapuro nemaapulo.
Muchiitiko ichi, iwe unoda kubvunza wako mushandi anobatsirwa nehofisi kana ehofisi yehofisi yekuti zvikwereti zvako zveCOBRA zvichave zvakadini mushure mekuverenga kwehutano hwekuchinja kwehukama hwemhuri yako.
Somuenzaniso, ngatiti iwe ikozvino wakanyoresa kuronga kwemhuri kuburikidza nemushandi wako. Iwe uri kutora kurambana, saka unofanirwa kushandura kuCOBRA kumunhu mumwe chete kubvira apo wawakaroorana naye acharamba achifukidza vana. Mushandi anobatsira mukuru wehurumende anotarisa kumusoro kwehutano yehutano yepayimusi yeurongwa hwakafanana hwehutano hwaunayo ikozvino, asi uchishandisa maitirwo emunhu mumwe chete panzvimbo yemhuri. Iye achazowedzera izvo kambani iyo ingadai iri kuwedzera kune iyo premium, izvo munhu mumwe chete angave ari kuwedzera kune iyo premium (iyi ingadai yakave chikamu chako chekubhadhara kwemitero iyo wawakaroorana naye ari kubhadhara urongwa hwemhuri), uye 2% yebhadharo yebasa, kuti uwane premium yako yeCOBRA kuparidzirwa neurongwa hwehutano uhwu semunhu mumwe chete.
Chimwe Chikonzero cheSitiki Chinotyisa
Sezvo kana kushungurudzika kwechikwata kunobatanidzwa nekubhadhara chikamu chikamu chemushandi uye chikamu chevashandi chepurogiramu yehutano yezvoutano hazvina kukwana, kune imwezve yezvemari inotarisana nechekupedzisira neCOBRA: mutero wemari.
Kana waunoshandira achitora mari kubva kune imwe neimwe yekubhadhara yako kuti abhadhe chikamu chako chemutengo wehutano wehutano, iyo mari inotorwa kubva mubhadharo yako usati wawana mitero yako. Kufanana nemipiro kune yako 401 (k) hurongwa hwekurega basa, mapurogiramu ezvehutano zvakatorwa kubva kubhadhara yako yekutenga mutero anoita kuti mari yako ione sediki. Zviduku zvishoma zvinowanikwa mari yako, iyo yakaderedza mitero yako yaunowana ichave.
Zvisinei, kana iwe ukarasa kurasikirwa nebasa rako -based coverage uye kushandura kuCOBRA kubhadharwa, iwe uri kubhadhara mahora ako eCOBRA nemutero wemutero. Iwe unorasikirwa nemutero usingabhadhara mutero wemapurayamisi ari kubviswa kubva pamari yako yekuteresa.
Mune zvimwe zviitiko, unogona kukwanisa kubhadhara mutero uyu unotora nekubvisa chikamu kana kuti zvese zvemakambani ako eCOBRA, asi kwete munhu wese akakodzera kubhadhara iko. Kuti udzidze zvakawanda pamusoro pokuti ndiani angatora mutero wekubhadhara mutero pamishonga yemishuwarisi yehutano, ona " In Health Insurance Tax Deductible? "
Pane Zvimwe Zvimwe Here?
Iyo imwe yehutano inshuwarisi yemisika yakagara iri imwe nzira yeCOBRA. Nhoroondo yekuti mararamiro emakambani akanga asina mari shoma kupfuura COBRA, asi kubata kwaiva kwekuti kugoverwa kwaingowanika kune vanhu vanogona kudarika kurapwa kwechiremba, izvo zvaireva kuti vaifanira kunge vane utano hwakanaka. Vanhu vane mamiriro ezvinhu akambovapo kare kazhinji vakanga vasina chairo chaiyo kune COBRA.
IAACA (Obamacare) yakasika nzira itsva kune COBRA kuburikidza nekugadzirisa mune rimwe rega rega rekuchengetedzwa-risinei pasinei nenyaya yezvokurapa, uye nekupa rubatsiro rwekutanga kwevadzidzi vanoita zvishoma kusvika pamapato emapakati emapato (nokuda kwemaonero, rubatsiro runowanikwa kune mumwe chete rine mari inosvika ku $ 48,240 muna 2018, uye kumhuri yevana ina mari inosvika kusvika $ 98,400).
Saka kana uri kusiya basa kana kurambana uye uchitadza kuwana ruzivo rwerongwa hwehutano hwemushandi wako, iwe une imwe nzira yeCOBRA kana uchida kuwana kugoverwa mumusika mumwe nomumwe. Kurasikirwa kwekugoverwa kwekugoverwa (izvo zvinosanganisira kurasikirwa nekuparidzirwa nokuti iwe unofarira kusiya basa rako) chiitiko chinofanirwa , uye chinokuita kuti uwane chikamu chekunyora chakanaka mumusika mumwe nomumwe, zvichida mukutsinhanisa kana kusagadzikana . Izvi ndezvechokwadi kunyange kana iwe uchikodzero yekuenderera mberi chirongwa chinoshandiswa nevashandi kuburikidza neCOBRA (chinyorwa chokuti rubatsiro rwepayimusi pasi pe ACA inongowanikwa muchitsinhanisi)
Washandi vako achakutumira iwe chiziviso chichikuzivisa kuti iwe unokodzera COBRA, mari yakawanda sei, uye kukuudza kuti iwe une mazuva makumi matanhatu kuti usarudze kana uchienderera mberi chirongwa chako chehutano neCOBRA. Munguva iyoyo, unogona kuenzanisa mutengo uye kugoverwa kwako kune mumwe nemusika, uye usarudze kuti ndeupi unoratidza huri nani. Nguva yako yokunyora yakakosha mumusika mumwe nomumwe inoenderera mberi kwemazuva makumi matanhatu mushure mekunge iwe uchinge warasikirwa nekuwana kune chirongwa chako, kunyange iwe ukasarudza COBRA pakutanga kwewindo iroro (saka iwe unogonazve kuchinja pfungwa dzako uye kuchinja kune imwe purogiramu yemakethe, kunyange kana iwe ukasayina COBRA usina kunyatsonzwisisa zvinowanikwa zviripo).
Ndekupi Kwandingawana Mamwe Mashoko Pamusoro peCOBRA?
Dhipatimendi reUnited States of Labor rinotarisana neCOBRA kutevera. Vane urongwa hwemibvunzo inowanzobvunzwa pamusoro peCOBRA, uye iwe unogona kuvabatanidza pa 1-866-4-USA-DOL (1-866-487-2365).
Shoko Rinobva
Kana uri kurasikirwa nehuwandu hwerongwa hwebashandi-hwakakushandira zvakanaka, zvinokurudzira kuziva kuti munguva dzakawanda, COBRA inokupa sarudzo yekutenga chirongwa ichocho kwemwedzi 18. Asi sezvo izvozvo zvingava chirevo chinodhura, zvakakoshawo kunzwisisa zvinoshandiswa mumusika mumwe nomumwe, kuitira kuti iwe ugone kuita sarudzo yakanakisisa iwe nemhuri yako.
> Sources:
> Kaiser Family Foundation. Mushandi Wehutano Mazano, 2017 Chidimbu cheZvakawanikwa.
> United States Department of Labor. Zvirongwa Zvehutano & Zvibatsiro: Kuenderera mberi kwehutano Hugadzirwa-COBRA.