Mhuri Yakagadzikana Sei Isingashandisi Basa?

Zvikamu Zvitsva Zvisingagadziri Zvichiripo, Asi Nemitemo Mitsva

Chikwata chinotengeswa chinoreva maitiro ezvirongwa zvehutano zvakanyanya-zvakaderedza (HDHPs) zvakagara zvichishandiswa kuti mhuri dzigadziriswe . Inoshanda nenzira yakasiyana neyakanyanya kuwanikwa yakabhadhara inoshandiswa muhutano husina hutano hweHHHHP.

Kuti ikubatsire kunzwisisa chirongwa ichi, regai titarise maitiro avanoita pamwe nekushandurwa kwezvino kuhuwandu hwematongerwo enyika.

Kuchinja Kwakawana Migumisiro Muna 2016

Zvose zvinokanganisa zvinogona kushandiswa uye zvinotsanangurwa zvakadarika pasi apa.

Asi kutanga muna 2016, zvirongwa zvose zvehutano hwemhuri dzinofanira kunge dzakabatanidzwa kunze kwemahombeksi maximums . Izvi hazvikwanise kudarika mumwe munhu kunze kwehomwe muhomwe gore iroro. Izvi zvinoshanda kune zvose zvirongwa zvehutano zvisina hukuru (uye zvirongwa zvehutano zvisiri zvekurukure) zvirongwa zvehutano huripo huripo mune dzimwe nyika) mumunhu oga uye boka rehushuwarisi yemisika.

Semuenzaniso, muna 2017 munhu mumwe chete kunze kwehomwe ndeye $ 7,150 . Pasinei nokuti chirongwa chekuti zvirongwa zvaro zvigadziriswe sei, hapana nhengo imwe chete yeurongwa hwemhuri inogona kutakura zvinodarika madhora 7,150 pamhosva yekubhadhara mari muna 2017 (izvi zvichawedzerwa kusvika $ 7 350 muna 2018, kunyange zvazvo zvirongwa zvakawanda zvichiri kuve neunhu kunze kwe- muhomwe mipera zvakanyatsonaka pasi pemutengo uyu).

Izvozvo zvinoreva kuti mazuva ezvirongwa ane $ 10 000 zvakagadziriswa zvakakwana. Chirongwa chingave chichiri ne $ 6,000 akabatanidzwa zvakasiyana-siyana, somuenzaniso, sezvo ichocho chiri pasi kudarika munhu wese kunze kwehomwe.

Uyezve, zvirongwa zvingave zvichitadzisa mhuri kuti dzive dzakakwirira kudarika munhu wese kunze kwehomwe. Asi ivo vaigona kungosangana chete kana vakawanda vemuviri yavo vaifanira kuva nekutaura. Izvi zvinoreva kuti chirongwa hachichagoni kudikanwa kuti nhengo imwe yemhuri isangane nemhuri yakawanda inokonzerwa iyo inodarika iyo munhu wese kunze kwehomwe yepamusoro (inogadzwa gore negore neHHS).

Tine izvozvo mupfungwa, ngatitarirei kutaridzika kwezvikwereti zvinoshanda.

Basa reAggregate Rinoshandiswa Sei?

Nemhuri yakawanda yakabviswa, chirongwa chehutano hachikwanisi kubhadhara mari yekuchengetwa kwehutano hwemunhu wese mumhuri kusvikira mhuri yose yakabviswa inosangana. Kana kamwe chete mhuri yakabviswa yakagadziriswa, inishuwarenzi yehutano inotambirwa mumhuri yose.

Pane nzira mbiri dzekugadziriswa kwezvikwata zvinogona kusangana:

1. Sezvo nhengo imwe neimwe yemhuri inoshandisa uye ichibhadhara mabasa ehutano hwehutano, mari yavanobhadhara kunze kwehomwe yevhisi iyo inonzi yakatarisana nehuwandu hwemhuri hunobviswa. Mushure mekunge nhengo dzemhuri dzakawanda dzakabhadhara mari inodhura, iyo yakabatanidzwa yose yezvikwereti inosvika kune yakawanda inotorwa. Urongwa hwehutano hunotanga kubhadhara mari yekuchengetedza hutano hwemhuri yose (zvichida zvakakwana kana neine coinuranceurance yakaparadzanisa iyo inoshanda kune chirongwa mushure mekunge ductible inosangana).
2. Mumwe nhengo yemhuri ine utano hwakawanda hwekutarisira mari. Mari yaanobhadhara kunze kwehomwe yezvikwereti iyo yakakura zvokuti inosangana nemhuri yakawanda inobviswa. Urongwa hwehutano hunotanga kubhadhara mari yekuchengetwa kwehutano hwemhuri yose, kunyange zvazvo mumwe chete wemhuri aripo akabhadhara chero chinhu chinotarisana nehuwandu hwekudzikinurwa.

Ndezvipi Zvinotarisirwa Kuverenga Kumhuri Yakagadzikana Deductible?

Iko chete inoshandisa yako HDHP inotarisa kune yako yakawanda deductible iyo mari yehutano hwehutano hwehutano. Semuenzaniso, kutarisana nehupenyu hakuwanzo hutano hwehutano hunobatsira. Kana iwe ukawana chiso chisimudza, mari yaunenge uchibhadhara iyo haingaverengi kune yako aggregate deductible.

Kambani yako yveshuwarhu yehutano haigoni kubhadhara chero yako yekunze-ye-pocket yezvokurapa mari kune yako yakabviswa kana ikasaziva pamusoro pavo. Iva nechokwadi chokuti iwe kana chiremba wako mafaira madhora kune imwe neimwe yemari yako yekurapa.

Faira zvikwereti kunyange kana iwe uchiziva kuti unofanira kuzvibhadhara iwe pachako nokuti iwe hausati wawana zvakakosha iwe.

Iyi ndiyo nzira iyo kambani yako yehutano inshuwarano inoziva kuti iwe wakabhadharwa sei kune yako deductible.

Ndezvipi Zvinodhura Zvinobudiswa Kubhuku reAggregate Deductible?

MuUnited States, Inotengeswa Care Care Act inoda kuti zvirongwa zvehutano zvibhadhara mabasa ekuchengetedza kwehutano hwekudzivirira kunze kwekuti uwane chero maitiro ekugoverana mari . Izvi zvinoreva kuti inishuwarensi ichabhadhara zvinhu zvakadai sekuputira kwako kuputika, vana vako vaconisheni, uye mammogram yako kunyange kana usina kubhadhara yako yakagadzirirwa zvakadaro (cherechedza kuti haisi yose yekuchengetedza inochengetedzwa yakavharwa pasina mari).

Iyo Aggregate Deductible Inoshanda Sei muna 2016 uye Inopfuura

Pasi pemitemo mitsva iyo yakatanga kushanda muna 2016, chirongwa chehutano hachikwanisi kuti chero munhu upi zvake abhadhara deductible iyo yakakwirira kudarika federal muganhu wekunze kwe-pocket yepamusoro yehuwandu hwekugovera, kunyange kana munhu iyeye akafukidzwa pasi pe mhirizhonga mhuri inobviswa. Kubva muna 2017, nzvimbo yepamusoro yepamusoro kune mumwe munhu inokwana $ 7, 150, uye muna 2018 inenge $ 7,350.

Uku kugadziriswa kwemitemo kwakazadziswa nokukurumidza apo hurongwa hwehutano hwehutano huchavandudzwa muna 2016. Hucharamba huchienderera mberi kunze kwekunge mitemo ichichinja zvakare.

Muenzaniso unoratidza kuti izvi zvinoshanda sei:

Ngatitaurirei kuti zvakakwana zvakagadziriswa purogiramu yemhuri yako ye 2017 is $ 12,000. Kana imwe nhengo yemhuri yakabhadhara madhora mazana manomwe nemakumi maviri nemakumi maviri nemakumi maviri nemakumi maviri nemakumi maviri nemakumi mashanu emadhora makumi maviri nemakumi mashanu emadhora makumi maviri nematanhatu.

Kuburitswa kwomunhu uyu kunotsvaga nokuti iye zvino asvika pamutemo wepamutemo wekunze-we-pocket munhu. Zvisinei, kugoverwa kwevamwe nhengo dzemhuri yako zvakadaro hazvizogadziri kusvikira mhuri yose yakabviswa yakagadzirirwa.

_Sources:

_{Dhipatimendi reZvipatano neHuman Services, Chirwere Chekuchengetedza uye Chinhu Chisingakwanisi Kuchengetedza Mutemo, Chirevo Chinobudiswa cheBabatsiro neZvipo Zvokubhadhara zve 2016.}

_{Dhipatimendi reZvipatano neHuman Services, Final Notice yeZibatsiro neZvipo Zvokubhadhara zve 2016 (80 FR 10823). 2015.}

_{Dhipatimendi reZvipatano neHuman Services, Final Notice yeZibatsiro neZvipo Zvokubhadhara zve 2018 . December 17, 2016.}