Mhuri dzakagadziriswa dzakagadzirirwa kuitira kuti mhuri huru dzisazoenda dzakaputsika kubhadhara imwe yehutano yehutano yehutano kune imwe nhengo yemhuri. Iwe unofanirwa kunzwisisa kuti mabasa emhuri anotsvaga sei kuitira kuti ugone kubhadharira mari yekutarisira utano hwemhuri yako.
Chokutanga, kana iwe usingazivikanise nheyo dzezvinodiwa deductible, verenga " Health Insurance Inotsvaga-Chii Chaicho uye Iyo Inoshanda Sei " usati waenda mberi.
Iwe uchada kunzwisisa uku kwekutanga kwezvikwereti iwe usati wanyatsonzwisisa kuti mhuri inobviswa sei inoshanda.
Mhuri Yakawanikwa Sei Mishonga Yehutano Hwemutano
Zvizhinji zvehutano inshuwalhu yehutano hunoita kuti zvose zvigadziriswe uye mhuri inopedzerwa. Nguva imwe neimwe munhu ari mukati memhuri anokwereta kune mumwe munhu akazvitsaurirwa, chikamu ichocho chinotarisirwawo kumhuri inotsvitswa. Coverage inotanga kumunhu chero upi zvake pakarepo kana iye kana akasangana nemumwe munhu akadzikinurwa. Bhuku rinotanga kumhuri yese, kunyange iyo nhengo dzemhuri dzisina kumbosangana nemadzinza avo pachavo, pakarepo kana mhuri inobviswa inosangana.
Pane nzira mbiri dzemhuri yehutano inshuwarisi inotanga kubhadhara mari kune mumwe munhu mukati memhuri.
- Kana mumwe munhu akasangana nemunhu wake akadzikinurwa, zvirongwa zvehutano zvinopinda mukati uye anotanga kubhadhara mari yekutarisira hutano 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.
Mhando iyi yemhuri yakagadziriswa nzira inozivikanwa seyo yakabatanidzwa yakabhadharwa nokuti munhu mumwe nomumwe anokwidziridzwa akabatanidzwa mukati uye anotarisa kumhuri yakakura inobviswa.
Muenzaniso Wekuti Mhuri Yakawanikwa Sei Mabasa
Ngatitaurire kuti mhuri yevashanu ine munhu inokonzerwa nemadhora mazana mashanu uye mhuri inokonzerwa ne $ 1,500:
- Ndira:
Baba vanobhadhara $ 500 muzvakabhadhara mari.
Baba vakaonana nemunhu wake akadzikinurwa.
Mhuri inobviswa inokwana $ 500 yakarongwa, $ 1 000 kuti iende isati yakwana.
Utano hwehutano huripo huripo huripo hwekutarisira utano hwababa .
Urongwa hwehutano hahuri kubhadhara mari nevana navana zvakadaro. - Kukadzi:
Mwana anokwereta $ 500 mukutengesa mari.
Mwana mumwe akasangana naye mumwe munhu akadzikinurwa.
Mhuri yakabviswa ikozvino ine $ 1 000 inonzi chikwereti, $ 500 kuti isati yasvika.
Urongwa hwehutano huripo huripo huripo huripo huri kupa baba nehutano hwemwana.
Urongwa hwehutano hahuri kubhadhara mari, amai vaviri kana vana vatatu. - Kurume:
Amai vanokwereta $ 200 muzvigadziriswa mari.
Amai havana kumbosangana nemurume wake akadzikinurwa zvakadaro, $ 300 kuenda.
Mhuri yakabviswa ikozvino ine $ 1,200 inokwidzwa, $ 300 kuti isati yasvika.
Urongwa hwehutano huripo huripo huripo huripo huri kupa baba nehutano hwemwana.
Urongwa hwehutano hwakaramba huri kubhadhara mari, amai vaviri kana mwana vatatu. - Kubvumbi:
Mwana wechipiri anokwereta $ 300 mu deductible cost.
Mwana wechipiri haana kumbosangana nemunhu wake akatengesa zvakadaro, $ 200 kuenda.
Mhuri yakabhadharwa $ 1,500 ikozvino yasangana.
Urongwa hwehutano hunotanga kubhadhara zvikwereti kumhuri dzose.
Sezvo mhuri yakasangana nemhuri yayo yakabviswa, chirongwa chehutano hwakatanga kubhadhara mari kune vose vemhuri, kunyange zvazvo vatatu vavo vakanga vasati vasangana nematoro avo.
Mhuri Inobviswa Sei Kuchengetedza Mari Pamunhu Mumwe Chete Deductibles?
Zvizhinji zvehutano inshuwarisi mitemo ine mhuri inotsvitswa iyo iri pakati peviri neane nguva iyo munhu ari kubviswa. Kunze kwekuti mhuri ishoma, mhuri inodonhedzwa inowanzopera kudarika chikamu chezvose zvinotapudzwa.
Semuenzaniso, ngatiti iwe une nhengo dzemhuri mishanu, mumwe munhu akadzikinura $ 1 000 uye mhuri yakabhadharwa ye $ 2,000, kaviri purogiramu yakabviswa. Kana pakanga pasina mhuri yakakodzwa uye nhengo yemhuri imwe neimwe yaifanira kusangana nemumwe munhu akadzikinurwa musati urongwa hwehutano hwakatanga huripa zvikwereti kwaari, mhuri yako yevashanu yaizobhadhara $ 5,000 musati wambotarirwa hutano mune wese nhengo yemhuri.
Zvisinei, kubva pakugoverwa kubatsiro kunopera mumhuri yose apo mhuri inodzingwa madhora 2 000 inosangana, mhuri inochengetedza kusvika ku $ 3,000 muzvakabhadhara mari.
Chii Chisina Kubatanidzwa muDeductible?
Zvinhu zvisingafukidzwi nehutano hwehutano hwako hazvizoverengi kune yako yakabviswa kunyange iwe uchibhadhara kubva muhomwe yako. Somuenzaniso, liposuction haigoni kuvharwa nehutano inshuwarisi. Kana iwe uchibhadhara $ 1,500 ye liposuction, iyo $ 1,500 haizobvumirwi kumunhu mumwechete kana mhuri yako yakabviswa sezvo isiri rubatsiro rwakakosha rweurongwa hwako hwehutano.
Utano hwekuchengetedza hwekuchengetedza hahudi kubhadharwa, kubhadharwa , kana kubhadhara mari muUnited States nekuda kweAne Affordable Care Act . Izvi zvinoreva kuti inshuwarhu yako yehutano ichabhadhara zvinhu zvakadai semuviri wako wepanyama, chirwere chinoputika , uye mammogram kunyange kana iwe usati wambosangana newe zvakabviswa.
Copays yehofisi yekushanyira uye mitemo kazhinji hairevi kudivi kune yako yakabviswa, asi zvinyorwa zvinogona kusiyana neurongwa. Dzidza zvakawanda pano: Ko Copays Inotarisa KuInishuwarenzi Yako Yehutano Yakagadziriswa here?
High Deductible Health Plans Ndizvo Zvisizvo, asi mitemo mitsva inoshanda
Kana iwe uine chirongwa chakakosha chehutano, mhuri yako inobviswa inogona kushanda zvakasiyana. Zvizhinji zveHDHs zvinoshandisa zvakagadziriswa zvinokonzerwa panzvimbo iyo iyo yakagadzirirwa ductible system inotsanangurwa pamusoro apa. Iwe unogona kudzidza zvakawanda pamusoro peizvi mu " Mhuri Yakawanikwa Sei MuHDHP ."
Ngwarira kuti hurongwa hwako hungave huri HDHP nekuda kwekuti iwe wakabviswa unenge wakanyanya zvikuru. IHHHP chirongwa chehutano hwehutano, kwete nguva inotsanangurwa. Nemhaka yokuti HDHP dzinowanzobatanidzwa nekodzero-dzakanakira Accounts Savings Accounts , dzine mitemo yakasiyana inoita kuti iparadzanise nezvirongwa zvehutano hweHHHP.
Zvisinei, kubva muna 2016 , zvirongwa zvehutano zvisingabatsiri zvinofanira kushandisa ACA-inoenderana nemunhu wese kunze kwemahombekiti madiki kune vose vemuurongwa hwehutano hwemhuri, kunyange kana iri HDHP ine mhuri yakawanda yakabviswa. Muna 2018, iyo yakawanda kunze kwehomwe yakabvumirwa inokwana $ 7,350 kune mumwe chete, uye $ 14,700 yemhuri. Saka mhuri HDHP inogona kuva nemhuri yakawanda inokonzerwa ne $ 7,000 semuenzaniso, asi haikwanise kuva nemhuri yakawanda inokonzerwa ne $ 10 000, nokuti izvi zvingaita kuti mumwe wevemhuri aripe mari $ 10 000 asati atora rubatsiro pasi pechirongwa, uye haasisina kubvumirwa .
Kwegore ra2019, HHS yakaronga kugadzira mumwe munhu kunze kwemari mari ye $ 7 900. Mitemo inogadzirisa mumwe wemhuri yemari mari yekuti mari iyo inoramba ichishanda.
Ko Mitemo Ichachinja MuChin Republican Health Care Reform?
VaRepublican lawmakers vakapedza zvakawanda zve 2017 vachishanda pamabasa ekubvisa uye kutsiva ACA. Kuedza ikoko hakuna kubudirira, kunze kweGOP mutero wekubhadhara iyo inodzokorora hurumende yeAACA kutanga muna 2019 .
Imari yakatangwa muna 2017 kazhinji haina kudana chero shanduko kune mutemo unoda kuti uiswe mukati ma-pocket maximums pamazano emhuri. Vaiwanzove vasina kuchinja mitemo yekunze-ye-pocket iyo ACA inokonzera zvirongwa zvehutano.
Zvisinei, zvakakosha kuona kuti chikwata cheAACA pane zvekubuda kwehomwe zvinoshandiswa chete kune zvinonzi zvinoonekwa nezvehutano hunokosha . Iro chirongwa chekugadzirisa kwehutano hwehutano hwezvehutano hwakanyatsosanganisira kusimbisa kupa kupa hukodzero yekudzokororazve hutano hunokosha huripo. Kana bhiri rakafanana naro raifanira kugadziriswa, rinogona kuita kuti zvirongwa zveinishuwarenzi mune dzimwe nyika dzisafukidze zvinhu izvo zvino zvaidiwa kuvharwa pasi peAACA (kutarisira kubereka, kana kutarisira utano hwepfungwa, somuenzaniso).
Kana izvozvo zvikaitika, zvirongwa zvehutano zvingava zvishoma, uye mhuri inogona kuve yakakwana kuvhara mari yekurapa iyo ikozvino yakavharwa pasi pezvirongwa zveAACA-zvinoenderana. Muchiitiko ichocho, kunze kwe-podha mari inowanikwa kune zvinhu zvisingafukidzirwi nepurogiramu yaisazoverengeka kune ductible rakagadziriswa kana kunze kwehomwe. Panzvimbo pezvo, vaizoita kuti zvive zvepamusoro zvakanyanya zvekunze kwemahomwe evanhu vanoda rubatsiro rwusingafukidzwi nekuda kwemitemo miduku ine simba pamusoro pezvipo zvehutano hunokosha.
> Sources:
> Federal Register (Dhipatimendi reHutano neHuman Services), > Murefu > Kudzivirirwa uye Kutengeswa Kunobatsira Mutemo; HHS Chinyorwa cheBatsiro neZokubhadhara Zvikamu zve 2018; Kugadziriswa Kunyoresa Kwemazuva Akazotevera uye Mutengi Akashandiswa uye Akarongeka Zvirongwa Purogiramu. December 22, 2016.
> Federal Register (Dhipatimendi reHutano neHuman Services). Murwere Anodzivirirwa uye Anogadziriswa Care Care Act; HHS Cherechedzo yeBatsiro neKubhadhara Zvirongwa zve 2019. November 2, 2017.
> HealthCare.gov, Preventive Health Services.
> Kaiser Family Foundation. Chidimbu cheAmerica Health Care Act, May 2017.