Chengetedza Mari muUnishuwarenzi yeUtano Kuti Ubatsire Kuenzanisa Mari Yenyu Yemajeri
Mari yekuchengetwa kwehutano inogona kudhura, uye iri kuwedzera gore negore uye vanhu vazhinji havazivi nezvekuwana mikana yekuchengetedza mari kana iri pabasa rehutano hwavo.
Mukati weChitatu 23, 2010, iyo yakasayirwa mutemo nemutungamiri weAmerica, inonyanya kutaura nezvehutano hwehutano inshuwarheni uye inovimbisa kuti vose veAmerica vanoda kugoverwa vachakwanisa kuwana inshuwarhu yehutano.
Pane zvinhu zvaunogona kuita iye zvino kuti ubatsire kuderedza hutano hwehutano inshuwarheni, kana kuti zvichibatsira kubatsira kudzivirira iyo mari yekukwira.
Kunyangwe iwe uine inshuwarhu yehutano kubva kune waunoshandira kana kutenga inshuwarisi yako, iwe unenge uchibhadhara mari yakawanda yemwedzi wako wehutano inshuwalisi yehutano . Imishandirapuru yemishonga yehutano yehutano iri kuwedzera gore negore uye vashandi vazhinji vari kukumbira vashandi vavo kubhadhara kuwedzera kwemazana emutambo wavo wehutano sezvinobviswa kubva mubhadharo wavo. Unogona kuwana mazano anotevera anobatsira:
Wedzerai Mari Yenyu Yekunze-ye-Pocket
Mazhinji makambani einishuwarenzi ane zvirongwa zvehutano zvehutano zvinokubvumira kusarudza kubva pakati pemishonga yemishonga yemainishuwarenzi ane mihoro miviri yemwedzi miviri kana iwe uchibvumirwa kubhadhara mari yakawanda kunze kweiyo, seyakadharawa gore negore uye mishandisirwo yemishonga uye mishonga yemishonga. Kana iwe uine hutano uye usatarisira chero (kana kuti zvishoma) kushandisa mari yezvechiremba mugore rinouya, kusarudza hurongwa hukuru huri kunze kwehomwe mari inogona kuve yakanakira iwe.
Zvimwe .
Tenga Indasitiri yeUnited Health
Kune vamwe vashandi, kutenga inshuwalhu yehutano ndeye chete kugoverwa kwehutano. Zvisinei, kunyange kana iwe uine utano hwehutano kubva kune waunoshandira, inshuwarisi yega yega inogona kunge iine sarudzo yekuchengetedza mari. Nemisimamende yehutano yehutano inowedzera gore negore uye vashandi vachipfuura mari yakawanda kune vashandi vavo, inshuwarano yehutano yekambani yako ingasave yakanakisisa kubata.
Ongorora Wako Washandi Wehutano Inishuwarenzi Options Gore Rinoga
Kana iwe newawakaroorana naye / mukaroorana musingakwanisi kubhadharwa nehutano hwehutano, chengetedza hutano hwehutano hwekambani imwe neimwe kuti uone kuti chii chingaita kuti iwe uwedzere. Vashandi vanosiyana zvakasiyana nemari yemipiro yepamberi yavanoita, uye iwe unogona kuchengetedza mari kuburikidza nekushandura mhuri yemumwe wako. Zvimwe .
Kurambidzwa - Iva Nehanya NeCOBRA (Consolidated Omnibus Budget Reconciliation Act)
Kana iwe wakarambidzwa kubva kubasa rako uye wako wekare iwe waine vashandi makumi maviri kana kupfuura, kambani inodaidzwa muna 1986 mutemo wezvematongerwo enyika (unozivikanwa seCOBRA) kukupa iwe sarudzo yekubhadhara kuwedzerwa kwehutano hwehutano hunovhara pa kwemwedzi 18.
Kana iwe ukanyorera COBRA , iwe ucharamba uine inshuwarisi yehutano yakafanana uye hurongwa hwehutano hwakafanana hwawaiva nawo pawakashanda. Zvisinei, iwe unofanira kubhadhara premium yehutano yepayimende iyo yako yekare yaakashandira yaive achibhadhara iwe pamwe ne 2% mari yekutarisira.
COBRA inogona kudhura zvikuru. Kana uri kuzviwana iwe pachako, unogona kubhadhara kusvika ku $ 400 pamwedzi. Uye kugoverwa kwemhuri kungave kudarika $ 1000 pamwedzi, iyo mari yakawanda uye inogona kuva yakawanda kupfuura yaunotarisira kubhadhara, kunyanya kana iwe wakarasikirwa nemari yako uye uri kuunganidza inshurensi yehurombo.
Kana iwe nedzimwe nhengo dzemhuri yako maine hutano, unogona kuwana chirongwa chakakosha chehutano chinodhura chinodhura kudarika COBRA. Iwe une mazuva makumi matanhatu kuti uite chisarudzo pamusoro peCOBRA mushure mekunge warambidzwa, saka enda kuIndaneti kana kuti sarudza nguva yako neinishuwarenzi broker kuti udzidze pamusoro pezvaunogona kuita. Verenga zvakawanda pamusoro pehutano hwako hwehutano inshuwarheni kana wakarambidzwa.
Wana Utano Uye Urambe Wakasimba
Kutungamira mararamiro ane hutano hwakanaka, kusanganisira kurega kusvuta, kupfeka mabhanhire emakumbo kana iwe uchityaira, kudzidzira, nekuchengetedza hutano hwakanaka kunogona kuderedza mari yako yehutano. Zvinonakidza zvingabatsirawo kuderedza mapeamisi enyu ehutano yehutano.
Vashandirwi vakawanda vari kupa zvikwereti zvemari kuti vashandi vavo varambe vakagwinya. Nokupinda muhurongwa hwehukama hwekambani yako, haungagoni kuchengetedza chete mari yako mugoverwa wekutanga, asi iwe unogonawo kuvandudza heath yako.
Semuenzaniso, Safeway, shanje rechitatu rekutsvaga guru rehurumende rakatanga chirongwa chekuzvidira kwehutano muna 2005 uye iye zvino 74% yevashandi vanobatanidzwa. Vashandi vanotora chikamu zvakakwana purogiramu vanogona kuona mari yegore roga roga kuchengetwa kusvika ku $ 780 kune mumwe munhu uye $ 1560 yemhuri.
Tarisa nehurumende yako yehupfumi hwevanhu kuti uone kana kambani yako inopa hurongwa hwehutano hwakanaka nehupenyu hunofadza hukurudzira. Kana kambani yako isingatauri chirongwa chakadaro kana iwe uri wekushanda, kana kusashanda, enda kunze uye utore kufamba uye uine saladi yemasikati panzvimbo yekudya zvinokurumidza!