Inishuwarenzi yakawanda yehutano yehutano isiri yehutano inshuwarheni inosanganisira mari inosangana nehosha yakakomba kana hospital hospital.
Inishuwarenzi yakakura yehutano yehutano ndiyo izwi rinoshandiswa pakurondedzerwa kurondedzera zvirongwa zvehutano zvakazara zvakanyatsochengetedza kutarisirwa kwakakosha. Pane imwechete iyo Inotengeswa Care Care Act yakashandiswa, izwi rokuti "zvishoma zvishoma rinokosha" rinowanzoshandiswa panzvimbo.
Zvishoma zvishoma zvinotarisirwa kuparidzirwa ndezvaunofanirwa kuva nazvo kuitira kuti usapinda chirango cheAACA chekusabvumirwa , uye zvikamu zvehutano zvehutano hwehutano hwehutano hunofanirwa sehuwandu hunokosha hunotarisirwa.
"Chaiye" Health Insurance
Mahombekisi makuru ehutano hwehutano mune zvinyorwa ndezvokuti vanhu vangawanzofunga sei "chaiyo" yehutano inshuwalhu. Hazvirevi zvishoma zvigadziro zvigadziro, zvirongwa zvemazino / maonero, zvikwata zvinokonzera njodzi, inishuwarenzi yehutano yemazuva mashoma , kana zvirongwa zvinorwara zvirwere, hapana chimwe chezvinhu izvo chinotungamirirwa neChinakidza Care Act.
Mazano makuru ezvokurapa anowanzova nemari yakatarwa, kana kuti inobviswa , izvo murwere ane mhosva yekubhadhara. Kana imwe iyo yakabhadharwa inobhadharwa, chirongwa chacho chinowanzovhara mari yakawanda yekusara kwekutarisira, zvichienderana ne -inshuwarisi inobhadharwa nemurwere. Zvimwe zvirongwa zvekare zvinobhadharwa kune mamwe mabasa.
Zvirongwa zvekurapa kukuru zvinotorawo zvekunze kwekubuda kwehomwe kwehutano hwe-in network.
Muna 2018, zvirongwa zvose zveAACA-zvinogadzirisa zvinofanira kuvhara mu--net -in-pocket mari (yezvakakosha zvehutano) pasina mari inopfuura $ 7,350 yemunhu uye $ 14,700 yemhuri.
Zvirongwa zvehutano zvakakura izvo zvisiri ACA-zvinokodzera (kureva ,, zvikwereti zvakakura uye zvakakura) zvinogona kuva nemiganhu yepamusoro-ye-pocket, asi zvingasave zvisingawanzozivikanwi nokuti kunyange zvirongwa izvi zvisingagumi zvisingabhadharwi zvehomwe mari Medicare , kunze kweMedigap kuwedzera , haina chekuvhara kunze kwemari, asi iyi haisi iyo muenzaniso iyo inshuwarisi yega yega inotevera).
Mazano makuru ekurapa anogona kunge akaoma kwazvo, asi anowedzerawo zvirongwa zvehutano zvakakosha zvinoshandiswa neHSA- uye zvirongwa zvinotyisa sezvinotsanangurwa neAACA.
Ndokupi Kwaunogona Kuwana Kurapa Kwokurapa Kwakawanda?
Iko kugoverwa kwaunowana kubva kumushandirwi wako ingangove yakakura yehutano inshuwalhu yehutano Kana iwe ukashanda kune waunoshandira mukuru, vanofanirwa kugovera kugovera kunopa huwandu hunokosha kuitira kuti uite maererano nehurumende yeAACA yekushandira. Chirongwa chinopa huwandu hunokosha huchawanzoonekwawo sehukuru hwehutano, sezvo huchava hwakakwana.
Chero hurongwa waunotenga mukushandura muhutano hwako huchaonekwa sehukuru hwekurapa. Kubva kushandura-zvirongwa zvirongwa zvakare zvirongwa zvehutano, chero bedzi dzichienderana zvizere neAACA (zvese zvirongwa zvitsva zvehutano zvinotanga kuva ACA-zvinotenderwa kubva muna 2014, kusanganisira izvo zvinotengeswa kunze kwekugoverana. , uye zvirongwa zvenguva pfupi zvinogona kutengeswa kunze kwekugoverana; zvirongwa izvi hazvisarongwi neAACA uye hazvifungidzirwe kuti zvakanyanya kurapwa mune zvehutano).
Kana iwe uchitenga kugoverana mune shanduko muhurumende yako, unogona kukodzera kubhadhara mari yepayimusi yekubvisa mari yekutenga kukurukura kwehutano.
Kubva muna 2018, rubatsiro rwekubhadhara mari yemhuri yevana inowedzera kumari yemhuri kana yakadarika $ 98,400 (kukodzera kunotarirwa ne400 muzana yehurombo uhu; chati ichi chinoratidza izvo zvakaenzana nemadhora emhando dzakasiyana dzemhuri; hazviwaniki kana mari yako iri pasi peurombo, kana iwe uchikodzera Medicaid).
Medicare uye zvirongwa zvakawanda zveMedicaid zvinotorawo sehuwandu hwehuwandu hunokosha, uye zvinogona kuonekwa sehukuru hwezvirongwa zvehutano (vamwe vanhu vanokodzera kuwana zvishoma-kubatsira Medicaid kuvhara-Medicaid iyo inongotaura chete nezvehutano hwehupombwe, semuenzaniso-uye izvi hazvingatariswi zvishoma kubatanidzwa kwakakosha kana kukurukura kwechiremba).
Zvirongwa zvehutano zvakakura uye zvikuru zvinotaridzika zvinotanga sekukurukurwa kwehutano, kunyange zvazvo vasingakwanisi kutengwa. Asi kana iwe uchiri kuvhara pasi pezvirongwa izvi, iwe une zvishoma zvakakosha kugoverwa (uye kukurukura kwehutano), uye hausi pasi peAACA chirango. Vane zvirongwa zvinogona kuramba zvichishanda zvisingaiti, chero bedzi dzisina kuchinja zvikuru. Zvirongwa zvekukurukura zvinogona kuramba zviripo kusvikira pakupera kwaDecember 31, 2018, pakubvumirana kwezvematongerwo enyika nevanishuwarenzi.
> Sources:
Nzvimbo dzeMedare uye Medicaid Services; Nzvimbo yeVatengi Ruzivo uye Inishuwarenzi Kutarisa. Inishuwarenzi Indaneti Bulletin Series - INFORMATION - Kuwedzerwa kweTendemic Policy kuburikidza neKendaneti Gore 2018 . February 23, 2017.
> HealthCare.gov. Minimum Essential Coverage (MEC).