Nzira Yokuwana Nayo Utano Wehupfenyuro Yehutano
Kune vamwe vatengi, kutenga imwe yveshuwarhu yehutano inshuwarheni ndiyo chete inoshandiswa kwehutano yekusarudza. Zvisinei, kunyange kana iwe uine utano hwehutano kubva kune waunoshandira, mumwe munhu / mhuri yehutano inshuwarisi inogona kunge ichiri sarudzo yekuchengeta mari. Nemisimamende yehutano yehutano inowedzera gore negore uye vashandi vachipfuura mari yakawanda kune vashandi vavo, inshuwarano yehutano yekambani yako ingasave yakanakisisa kubata.
Maererano neKaiser Family Foundation, muna 2016, muvhareji weAmerica ane mushandi wehutano hwehutano hwakapa mari inokwana $ 1,129 nokuda kwehutano husina basa hwehutano uye $ 5 277 nokuda kwerongwa hwehutano hwemhuri. Sezvo ichi chiri chiyero, vamwe vashandi vanogona kuripa zvakawanda (vashandi vaibhadhara huwandu hwemarikiti yakakwana, iyo inokwana $ 6,435 yevashandi vasina kuroora uye $ 18 142 nokuda kwekuvhara mhuri).
Tora paIndaneti Kuti Uve Noutano Hwakanaka Inishuwarenzi
Tenga zvakapoteredza online uye ona kana iwe unogona kuwana purasinisi yega yega inokupa iwe chinyorwa chaunoda asi hachidhura kupfuura mari yaunobhadhara pabasa.
Nzvimbo yakanaka yekutanga ndiyo HealthCare.gov. Iyi ndiyo inishuwarenzi yehutano inoshandiswa neThe Patient Protection uye Affordable Care Act , uye iri rimwechete-stop shop yega yega mararamiro ehutano hwehutano hwehutano (cherechedza kuti shanduko pachayo inotungamirirwa nehurumende, asi zvirongwa zvehutano zvinotengeswa kushandiswa kune vose vari voga, kubva kumakambani ehutano inshuwarano ayo watoziva kare).
Vanhu vari munyika 39 vanoshandisa HealthCare.gov kunyoresa pane zvirongwa zvemisika. Zvimwe 11 zvinotaura uye Chirongwa cheColumbia chiri kugoverana nehurumende, uye iwe unotungamirirwa kunzvimbo dzavo kubva kuHealthCare.gov kana ukasarudza nyika yako.
Imwe nzvimbo yekutsvaga ruzivo rwezvirongwa zvehutano hwehutano munharaunda yako ndeye ehealthinsurance.
Iyi kambani yepaIndaneti inopa ruzivo uye inopinda kune 1000s yehutano hwehutano inshupfumi uye inobvumirwa mune zvese makumi mashanu neDunhu reColumbia. Kunyange kana iwe usingatengi inshuwarisi kuburikidza navo, ehealthinsurance ndiyo nzvimbo yakanaka yekutsvaga chirongwa chehutano uye kuwana manzwisisiro emitemo yakawanda inowanika munharaunda yako uye kuti yakawanda sei. Ehealthinsurance inogona kuratidza iwe zvirongwa zvinowanikwa -kushandiswa , uyewo kushandiswa kwekugadzirisa.
Cherechedza kuti mararamiro ose emakethe, pasinei nokuti anotengeswa muchitsinhanisi kana kwete , iva newindo rekunyoresa gore negore . Kana uri kutengesa kunze kwekunyora kwakasununguka, iwe uchada kuva nechiitiko chakakodzera kuitira kuti unyore.
Kutenga Kuzvipira Kwemunhu / Mhuri Inogona Kubatsira
Pakati pevashandi pamakambani maduku (kusvika kune vanosvika 199) vane hutano hwehutano inshuwarheni, 34 muzana vanobhadhara kupfuura hafu yemhuri yavo yose yehutano yehutano inshumo semubhadharo webhadharo (pamwe nemushandi ari kubhadhara zvakasara).
Sezvo muvhareji wepamuviri wemhuri inopfuura $ 18,000, vashandi vazhinji vari kubhadhara mari inodarika madhora 9 000 pagore kuzvifukidza ivo nemhuri dzavo. Vamwe vevashandi ava vanogona kutengesa kutenga inshuwarisi yavo pachavo. Semuyenzaniso:
Doug Jones anoshandira kambani duku inopa chirongwa che inshuwarhu yehutano yePPO (pamwe negore redu re $ 1500) kune vashandi nemhuri yavo. Nekuda kwekupedzisira kwekupedzisira kuchinja mune zvehupfumi, kambani yaDoug yakawedzera mugove wake wemhuri yemwedzi yepamwedzi kusvika 60%, izvo zvinoita Doug anenge madhora 950 mwedzi mumwe nomumwe.
Mudzimai waDoug anoshanda nguva yakawanda seanonyora mabhuku uye haana hutano inshuwalisi yekubatsira. VanaJeses vane vana vaviri vane makore 7 ne10. Vose vedzimba dzemhuri vane hutano hwakanaka uye vane mararamiro akanaka.
Munyika dzakawanda, pamberi pegore ra2014, Doug angangodaro akawana kurapwa kwemishonga pasi pehutano muhutano hwehutano hutengesheni husingadhuri kudarika basa rake-based plan. Asi ACA yakarambidza makambani einishuwarenzi yehutano kubva pakuongorora nhoroondo yezvechiremba yevanoshandiswa pavanenge vachigadzirisa mutengo uye vachigadzirisa kukodzera kwekugoverwa.
Somugumisiro, musiyano mumutengo pakati pevanhu / mhuri zvirongwa uye zvirongwa zvevanoshandira-zvakatsigirwa zvakaderera. Zvimwe zvirongwa zvemakemikari zvinodhura kudarika zvaiimbova, kunyange kune vakawanda vakanyoresa, mari inobhadhara mari (premium tax credits) inokanganisa yakawanda yemari yepamusoro, zvichiita kuti zvigone kuwanikwa.
Zvinosuruvarisa kuti Doug, iye nemhuri yake vanenge vasingakwanisi kubhadhara mari yepayimusi. Chero bedzi Doug's pachake kuparidzira (pasina mhuri yake) inonzi inokwana uye inopa huwandu hunokosha, iye nemhuri yake havana kukodzera kubatsirwe. Izvi zvinozivikanwa semhuri inobwinya .
Zvisinei, vangave vachikwanisa kugadzira hurongwa husingadhuri mumusika mumwechete / wemhuri, kunyange kutora mutengo wakakwana wepamuyamisi. Icho chaizoda kuva nechepamusoro zvakanyanya seductible uye kunze kwe-pocket exposure kupfuura chirongwa chaDoug chaanoshandisa, asi iyo inogona kuva yekutengeserana iyo mhuri inofunga kuti inokosha.
Nzwisisa Zvaunosarudza; Verenga Nyaya Yakanaka
Kana iwe uchikodzero kunyoresa kune umwe munhu / mhuri chirongwa (kana panguva yekunyora kusununguka kana somugumisiro wechiitiko chinofanirwa) uye iwe uchida kuita shanduko, iva nechokwadi chokuti iwe unonyatsonzwisisa zvikomborero uye zvisingakwanisi kuronga hurongwa hunoenzaniswa kumushandi wako-based plan.
Zvikomborero zvakasiyana sei? Chii chaunokweretesa kunze kwemari yehomwe kana iwe uchikuvara kana kurwara zvakanyanya? Izvozvo zvinofananidzwa sei nekunze kwekunze kwemahombekiti kune chirongwa chavanoshandira? Ndiko vanachiremba vako mumutambo wemurongwa wega? Iwe unoda kunyatsotarisisa zvinhu zvose izvi usati wachinja, uye uchengete mupfungwa kuti haungakwanisi kudzokerazve kune chirongwa chebasa rako kusvikira pazotevera kuzarura mawindo ekunyorwa anopiwa nemushandi wako.
Kana iwe ukanyorera inshuwarhu yehutano yega yega, usabvisa chero hupi hwehutano hwehutano hwehutano hwaunayo iye zvino kusvikira iwe wagamuchira tsamba yekubvumirwa uye inishuwarenzi, kana chibvumirano kubva kurongwa hwehutano hwakasarudza.
Usati waita chero upi zvaunozvipira, nyatsorongorora inishuwarenzi itsva.
Yakarongwa naLouise Norris.
> Sources:
> Kaiser Family Foundation, Employer Health Benefits, 2016 Chirongwa cheZvitsva .