Mhuri Deductible Works Kusiyana neHDHP Kune Zvimwe Zvimwe Zvirongwa
Kana hutano hwehutano hwemhuri yako urongwa hwehutano hwakakosha, mhuri yako inobviswa inogona kushanda zvakasiyana nezvakaitwa pawakave nemamwe inshuwarano yehutano. Kana iwe usinganzwisisi kuti mhuri inobviswa sei muurongwa hwehutano hwakakosha (HDHP), unogona kushamiswa. Utano hwehutano hwehutano hwako hahukwanisi kutanga kubhadhara zvikomborero kana iwe uchifunga kuti zvichadaro, kana nhengo yemhuri inogona kubhadhara kupfuura iwe unotarisira.
Kana iwe usina kunyatsojeka pane zvinyorwa zvekuti deductible chii, chii chakakodzwa pamusoro pacho, uye chii chinoitika mushure mekunge mabhadhara mari yako yakabviswa, verenga " Health Insurance Deductible-Chii Chaicho uye Iyo Inoshanda Sei " usati waenda chero mberi. Iwe uchada kunzwisisa uku kwekutanga kwezvikwereti iwe usati wanyatsonzwisisa kuti mhuri yeHDHP yakabviswa sei yakasiyana nezvinodiwa.
Mhuri Iyo Isingabhadharwi Inoshanda MuDeductible Health Plan
Nehutano hwemhuri muHDHP, hurongwa hwehutano hunotangira hahutangi kune nhengo chero ipi zvayo yemhuri kusvikira mhuri yose yakabhadharwa yakabhadharwa, kana kusvikira iyo yemhuri inogamuchira kurapwa yakasangana nepamusoro-soro yakagamuchirwa kunze kwekodzero yegore (muna 2017, chikamu ichocho ndeche $ 7,150; muna 2018, iri $ 7 350). Murairo unodzivisa nhengo yemhuri imwe chete kuti ive nehuwandu hwekuwedzera kune mumwe munhu kunze kwehupfumi yakashandiswa muna 2016, uye inotsanangurwa pasi apa.
Sezvo nhengo yemhuri imwe neimwe inobhadhara mari yekurapa, mari yavanobhadhara kune idzi zvinodhura inoratidzirwa kumhuri yakabviswa. Kana izvi zvikwereti zvinowedzera kusvika kumhuri yakabviswa, ruzivo rweHDHP runokwidza uye runotanga kuripa chikamu chayo chemari yezvoutano zvemari kune umwe neumwe wemhuri.
Mune HDHP, mhuri inokwaniswa inogona kusangana nenzira mbiri dzakasiyana:
- Mumwe nhengo yemhuri ane utano hwakawanda hwekutarisira mari. Nokubhadhara mari yekutarisira iyo, anosvika kumhuri yakabviswa uye kugoverwa kwekuvhara kune yese mhuri. Asi kana mhuri inodzingwa yakakwirira kudarika iyo yakagamuchirwa kunze kwechikwata chemunhu mumwe chete, zvikomborero zvichatsiviwa kune imwe nhengo yemhuri kana chikamu ichi chasangana, kunyange kana ductible yakasati yasati yasangana.
- Nhengo dzinoverengeka dzemhuri dzakasiyana dzine utano hushoma hutano hwemari. Mhuri inotsvitswa inosangana apo iyo maduku maduku akawedzerwa pamwe chete kusvika kumhuri inokonzerwa nemari.
Izvozvo Zvakasiyana Sei neMhuri Yakagadziriswa mune Hasi-HDHP Purogiramu?
Mune imwe tsika yehutano yehutano, nhengo yemhuri imwe neimwe ine munhu inobviswa uye mhuri yese seyakazara ine mhuri yakabviswa. Zvose zvakabhadharwa kune zvinokonzerwa nemunhu mumwe nomumwe zvinotarisirwawo kumhuri inobviswa.
Kune nzira mbiri idzi zvirongwa zvehutano zveHHHH zvichange zvatanga kutanga kubhadhara mari kune mumwe munhu mukati memhuri.
- Kana mumwe munhu akasangana nemunhu wake achibviswa, urongwa hwehutano hwakanaka hunopinza-uye hunotanga kubhadhara mari yekutarisira kwehutano kune iye oga, asi kwete kune dzimwe nhengo dzemhuri.
- Kana mhuri inobviswa ichizadziswa, zvirongwa zvehutano zvinokanganisa-kune mumwe nomumwe nhengo dzemhuri kana kana vasina kutarisana nevanoda kubhadhara.
Iwe unogona kudzidza zvakawanda pamusoro pekuti mhuri inodedzeswa sei inenge isina HDHP inoronga mu " Maitiro Ekuti Mhuri Isingabhadharwi Mabasa ."
Kusiyana pakati pemhando yemhando yehutano inshuwarheni deductible system uye mhuri inobviswa muurongwa hwehutano hweHDHP ndeyekuti munhu anenge achibviswa anobva abviswa mumhuri yeHDHP . Pane imwe nzira imwe chete iyo chirongwa cheHIVHHP chinotanga kubhadhara mari kune chero nhengo yemhuri: mhuri inobviswa inosangana. Asi pasi pemitemo mitsva inotanga kushanda muna 2016, zvikomborero zvichatsvaira kune mumwe munhu wemhuri kana achingosangana nemiganhu yekunze kwegore regore iroro, kunyange kana mhuri yakabviswa isati yasangana.
Kusiyana neizvi, neurongwa hweHDHH, mhuri inobviswa haigoni kuonekwa nehutano hwemishonga yemumwe wemhuri yemunhu oga. Zvinotora zvinodheredzwa zvakawedzerwa zvemhuri dzakawanda pamwe chete kusvika kumhuri yakabviswa.
Mitemo Yakashandurwa Muna 2016
Dhipatimendi rehutano nehutano hwevanhu huri kutora mitemo zvishoma kune hurongwa hwehutano husina huwandu hunoshandiswa uchishandisa yakawanda yakabviswa. Izvi zvinokanganisa mararamiro emhuri akawanda eHHHP. Izvo yakawedzerwa wrinkle ndeyokuti: chirongwa chehutano hachikwanisi kuti munhu upi zvake abhadhara deductible iyo yakakwirira kudarika federal muganhu wepamusoro -kunze kwehomwe yega yega kugoverwa, kunyange kana munhu iyeye akafukidzwa pasi pemhuri yakawanda yakabviswa. Kwegore ra2016, huwandu hwehuwandu hwemapurisa kune mumwe munhu hunokwana $ 6 850.
Muenzaniso: Ngatitaurire kuti zvakakwana zvakakonzerwa neurongwa hwemhuri ye 2016 ndeye $ 12,000. Kana imwe nhengo yemhuri yakabhadhara $ 6 850 kumari yakawanda yakabhadharwa, kugoverwa kweiye munhu chaiyo inofanira kukanda pasina kudai kuwedzera kudhura-kugovana semakambani kana mari. Kuburitswa kwomunhu uyu kunokwakuka nokuti iye zvino asvika pamutemo wepamutemo wekunze-we-pocket munhu. Zvisinei, kugoverwa kwevamwe nhengo dzemhuri yako zvakadaro hazvizogadziri kusvikira mhuri yose yakabviswa yakagadzirirwa.
Izvi zvinogadziriswa pamitemo inoitika nokukurumidza apo urongwa hwehutano hwehutano hunovandudza muna 2016. Kusvikira panguva iyo, urongwa hwako hwehutano huchakwanisa kutevera mitemo yakwegura. Hurumende inomutsa chikamu chepamusoro pamusoro pe-out-of-pocket maximums zvishoma gore negore kuti iongorore kutengesa.
Iwe Unoziva Sei Nzira Iyo Mhuri Yako Ichishandiswa?
Vazhinji veHDHP vanoshandisa mhuri inokonzerwa nekudzikinura uye hapana munhu ari mumhuri anowana rubatsiro kusvikira mhuri yakabviswa inosangana. Izvi zvinozivikanwa seguru redu rinobviswa .
Asi zvakare, izvo zvino zvinoenderana nokuti mhuri inodedzerwa yakakwirira kana yakaderera kupfuura yepamusoro yekunze kwe-pocket muganhu wekugoverwa kune mumwe munhu mugore iroro. Semuenzaniso, kana mhuri HDHP ine mhuri ye $ 6,000 inodzingwa, mumwe wemhuri anogona kudiwa kuti asvike zvakakwana zvakabviswa muna 2017. Asi kana mhuri yakabhadharwa iri $ 10, imwe nhengo yemhuri haifaniri kushandisa mari inodarika madhora 7,150 musati yatanga aizopinza munhu uyo, pasinei nemhuri yakabviswa isati yasangana. Saka kana iri mutemo mutsva unoshandura chinhu chipi nechipi nezvehutano hwemhuri yako hunoenderana nekukwirira kwako zvakakonzerwa.
Mazhinji mapurogiramu ehutano eHCDHP anoshandisa nzira iyo inobatsira vanhu vanotanga kusangana nemunhu mumwe nomumwe akatorerwa kusati kwaitwa mhuri. Izvi zvinozivikanwa sechinyorwa chakaiswa deductible . Iwe unogona kurangarira izwi iri kana iwe uchifunga sezvo seductibles zvakasiyana-siyana zvakabatanidzwa mukati memhuri yakakura yakabviswa.
Zvinyorwa zverongwa hwehutano hwako zvinofanira kukuudza kuti mhuri yako inobviswa sei mabasa. Iyo inogona kushandisa mienzaniso, kana inogona kushandisa mazwi aya aggregate deductible vs yakaiswa zvakabviswa. Kana zvisiri pachena, dana chirongwa chehutano uye bvunza kana, kana iri basa-based health health inshuwarise, chengeta nebasa rako rebasa rinobatsira.
Kana yako HDHP Summary of Benefits uye Coverage inoratidzira zvose zvinokonzerwa nemari yakakwana uye mari inoderedza mari, usangofunga kuti inoshandisa nzira yakagadziridzwa yakagadzirwa. Iyo imwechete yakagadzirirwa inogona kuva yevanhu vasina kunyora mhuri yose panzvimbo yevanhu vari mukati mehutano hwemhuri.
Ndezvipi Zviri nani, Aggregate Deductible kana Yakasimudzwa Deductible?
Sezvo mutemo wega wega, kutengesa zvakaputika kunowanzochengetedza mhuri pamari yekutengeswa kwemari sezvo hutano hwehutano hunokwidza-mune dzimwe nhengo dzemhuri mhuri yose isati yabviswa. Izvi zvinoguma kune avo vanorwara zvikuru vemhuri vane hutano hwavo hwehutano inshuwarano-inopera neine mhuri yakabatanidzwa inodzingwa kupfuura iyo vangadai vakagadza-mukushandisa nzira yeHDHP yeboka rakawanda rinodzingwa.
Zvisinei, kuti nhengo dzemhuri imwe neimwe dzinoshandisa sei rubatsiro rwehutano hwakasiyana. Tongai nzira iyo inoshanda zviri nani kumhuri yako maererano nehutano hwehutano hwehutano hunoshandiswa.
Chenjerera-Hasi Zvose Zvakakwirira-Deductible Plans NdeHHHs
Usafungidzira kuti, sezvo iwe une ductible yakakwirira, unofanira kuva neurongwa hwehutano hwakakosha. An HDHP inorudzi rwehutano inshuwarheni ( HSA-yakakodzera ), kwete chero chirongwa chakare chekare chakanyanya kubviswa. Sezvo HDHPs yakakudzidzisa kuti uite mukana wekutarirwa neHome Savings Account , vane mamwe mitemo inokosha inovaisa kunze kwezvirongwa zveHSHP. Kunyangwe iwe unogona kuva neHDHP PPO kana HDHP EPO, zvicharamba zvichitevera mitemo yose inokosha inoita kuti ive HDHP, kwete kungodhura zvakanyanya.
Kana hurongwa hwako huri HDHP, urongwa hwehutano hwako mabhuku hunofanirwa kutaridzira seHDHP kana chirongwa chakakosha cheutano. Uyezve, inogona kutaura nezvekubatanidza inshuwarisi yehutano neHSA.
Dambudziko rehutano hwehutano hweVH HDHP - Haisi iyo imwechete Nyaya zvakare
> Sources:
> Federal Register. Dhipatimendi reHutano neHuman Services. Murwere Anodzivirirwa uye Asingakwanisi Kuchengetedza Mutemo, Chiziviso Chekubatsira uye Kubhadharwa Kwemitambo ye 2016. February 27, 2015.
> Federal Register. Dhipatimendi reHutano neHuman Services. Murwere Anodzivirirwa uye Anogadziriswa Kuchengetedza Mutemo, Chiziviso Chekubatsira uye Kubhadhara Zvikamu zve 2017. March 8, 2016.
> Federal Register. Dhipatimendi reHutano neHuman Services. Mucherechedzo Kuchengetedza uye Zvisingakwanisi Kuchengetedza Mutemo, Chiziviso Chekubatsira uye Kubhadhara Zvikamu zve 2018. December 22, 2016.