Kana bhaamende yako yeUndamacare yehutano yakakanganiswa nokuti iwe wakanga uchinonoka kubhadhara mari yemisimamiro yehutano yehutano , unofanirwa kunzwisisa zviri kuitika kumabhadharo ako ezvokurapa asina kubhadhara, zvaunosarudza zvekuwana hutano hwehutano hunowanikwa ikozvino, uye kana uchizobhadhara chirango nekuda kwekusavimbiswa.
Chii Chinoitika Nemitemo Yenyu Yezvekurapa Isingabhadharwi Mushure Mehutano Hwenyu Hwehutano Inopedzwa
Kana iwe uri kuwana mari yekubhadhara mari yehutano yemari yehutano yekwereti yekukubatsira kuti ubhadharire inshuwarhu yehutano yaunotenga kuburikidza neAne Affordable Care Act yehutano inshuwarano, kune mukana wekuti iwe ungave nemari yemishonga inokudzorera iwe usina kubhadhara nehutano hwako hwekare ronga.
Izvi zvinoitika kana iwe wakagamuchira hutano hwehutano pawakanga uri pakati pemakore makumi matatu nemakumi matatu nemanomwe shure kwekubhadhara yako premium inshuwalisi yehutano.
Kana uchinge wapedza mazuva anopfuura makumi matatu uchibhadhara premium yako yehutano inshumo, urongwa hwako hwehutano huchaisa zvikwangwani zvinopinda pa "chimiro" chinzvimbo. Panzvimbo yekugadzirisa nekubhadhara zvirevo izvi, zvinosungirirwa apo kambani ye inshuwarisi inomirira kuti uone kana iwe uchibata pane yako yaunobhadhara kubhadhara. Kana iwe usingakwanisi kubata, inshuwarano yehutano ichakanganiswa kana iwe uri mazuva anopfuura makumi mapfumbamwe. Kuregererwa kuchadzoka shure panguva yawakava nemazuva makumi matatu nemaviri.
Mhosva dzehutano hwehutano hwawakawana iwe pawakanga uri pakati pemakore makumi matatu nemakumi matatu nemakumi mapfumbamwe nekutanhatu uchibhadhara mari yako yepurayamisi icharambidzwa uye mupi wehutano anotarisira kuti iwe uribhadhe. Sezvo kuregererwa kwehutano hwako hwehutano hwakadzokera shure pazuva rawakapera mazuva makumi matatu nemaviri, iwe hauchazokwanisi kubhadhara yako yaimbova chirongwa chehutano inotaurirana newe -in-network provider.
Chaizvoizvo, iwe hauna kuvimbiswa kana iwe uchitarisira izvozvo. Bhiri yako inogona kunge yakakwirira zvakanyanya kunze kwekutengesa kambani .
Kana iwe uchifunga kuti izvi zvinogona kuitika kwauri, chinhu chakaipisisa chaunogona kuita hapana. Iva nesimba. Endai kumutarisiri wenyu wehutano usati hutano hutano hutano huri kupera pazuva 91 uye taurirana nekutengesa.
Vakawanda vanopa mabhuku anotumira mari yakawanda kune mamwe masangano ekuunganidza, saka kusakwanisa kuita zvingakanganisa chikwereti chako uye kunowedzera zvakaoma kuwana chikwereti munguva yemberi.
Paunoswedera kune waunopa iwe nezvebhadharo risina kubhadhara, iva wakatendeseka pamusoro pemamiriro ako. Vazhinji vapeji vehutano vacharamba vachitaurirana zvirongwa zvekubhadhara nekuti vangada kubhadharwa zvishoma nezvishoma kupfuura zvisingabhadharwe zvachose. Kutaurirana chirongwa chekubhadhara kunogona kuchengeta mari yako kubva pamaoko ehurumende yekuunganidza. Kana iwe wakagamuchira kutarisirwa kubva kune sangano guru sechipatara, bvunza pamusoro pekuwanikwa kwekubhadhara kwekubhadhara kana kubatsirwa kwechipo.
Chirango chekusimbiswa
Kana iwe ukaramba usingabatsirwi kwemwedzi inopfuura mitatu inotevera, unogona kubhadhara mutero wemutero kana iwe ukaisa mutero wako wegore rinouya. Chirango chacho chinobva pamari yako uye inowanikwa pamwedzi wega wega; iwe uchatongerwa kwemwedzi yausina hutano hwehutano hwekuchengetedza kwezuva rimwechete.
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Mune mamwe mamiriro ezvinhu, iwe unogona kuwana kuregererwa kubva kumutemo kuti uve nehutano inshuwarisi. Muchiitiko ichi, iwe unenge usingafaniri kubhadhara chikwereti kunyange iwe wakaramba usingabatsiri.
Zvisarudzo zveUtano Assurance Inotora Mushure mekunge Urongwa Hwehutano Hwako Hwakabviswa
Kurasikirwa neshuwarhu yehutano yehutano nokuti iwe hauna kubhadhara mari yako yepurayamisi haikwanise iwe kuti uwane nguva yakakwana yokunyora pahutano hwehutano inshuwarheni. Iwe hauzokwanisi kuisa chikwangwani chegadziriro yeOmbamacare zvakare kusvikira panguva inotevera yekunyoresa . Pano pane zvimwe zvingasarudzwa zvehutano hwehutano huripo panguva ino.
- Medicaid. Purogiramu yeMedicaid ine zvikwereti zvakanyanya zvokuwana kuti zvikwanise asi inobvumira vanyori vese gore rose kune avo vanofanirwa.
- Job-based health health inshuwarisi (kunyora pakutanga pakutanga). Kana ukawana basa rinopa inshuwarisi yehutano, unobvumirwa kunyoresa panguva yekunyora kwekutanga yakagadzwa mushure mekunge watanga basa rako. Saizvozvowo, kana wako wako akawana basa rinopa murume kana mudzimai wehutano inshuwalhu yehutano, iwe uchava nemukana wekunyora pasi pekugovera pasi pebasa rake rinotarirwa nehutano hwehutano achangotanga basa. Kana uri pasi pemakumi maviri nemashanu uye mumwe wevabereki vako anotanga basa idzva rinopa hutano hwehutano inshuwalano yemhuri, iwe uchakwanisa kuwana ruzivo kusvikira wava nemakore makumi maviri nemaviri pasi peurongwa hutsva hwomubereki wako.
- Job-based coverage (kunyanya kuverenga nguva). Kana uine shanduko mumamiriro emhuri kana chimwe chiitiko chinofanirwa, iwe unogona kunge wakakodzerwa nenguva yekunyora yakakosha iwe pachako kana wewawakaroorana naye uripo-based based health insurance plan kunyange iwe wakashandura inshuwarisi yehutano iyo munguva yakapfuura. Zvisinei, kurasikirwa neshuwarisi yako yeObamacare nokuti iwe usina kubhadhara mubayiro wekutanga haungakodzeri kuti iwe unyore nguva yakanyora. Zvinhu zvakadai sokuroora kana kurambana, kuva nemwana, kana kubereka mwana zvingangoita kuti iwe uwane. Bvunza kune wako mushandi anobatsirwa nehofisi kuti uwane runyoro rwakakwana rwezviitiko zvose zvinokodzera.
- Medicare . Kana uine makore anenge 65, Medicare inogona kuuya kukuponesa kwako. Kana iwe, wako wako, kana mumwe wawakaroorana naye akabhadhara mumutambo we Medicare kuburikidza nemari yebhadharo kana mitero yokuzvishanda kwemakore akakwana kuti uwane, iwe uchave wakakodzera kuMedarere paunenge wava nemakore 65.
- Nguva shomanana yehutano inshuwalhu. Munhu wose anokwanisa kutenga inshuwarhu yehutano yemazuva mashoma zvakananga kubva kune kambani yveshuwarisi yehutano kana kuti kuburikidza nemushuwarisi wehuwarisi Hapana nguva yekunyora yakazaruka; iwe unogona kutenga chero nguva. Zvisinei, inshuwarhu yemazuva mashoma yveshuwarisi yehutano haizokubatsiri kudzivisa chirango chekusabvumirwa. Uyewo, vashandi vehutano venguva pfupi vanobvumirwa kushandisa zvinyorwa pasi uye vanogona kutora mamiriro ekutanga, mazera enyu, chikwereti chenyu chikwereti nezvimwe zvinhu zvinofungidzirwa paunenge uchitanga matanho ekutanga. Chii Chingafanira Kuchengetedzwa NeInishuwarenzi Yemazuva Ekupedzisira Youtano.
- Kunyorwa kunokosha pahutano hwehutano inshuwarheni . Kunyangwe uchirasikirwa neurongwa hwako hweBobamacare nokuti iwe hauna kubhadhara mari yako yepurayamisi haizotori nguva yakanyora yokunyora pahutano hwehutano inshumo, humwe hupenyu hunogona. Kana iwe wakanga uine hupenyu hwehupenyu hwekuchinja sekushandura kwehukuru hwemhuri, kufamba, kana kuchinja kunoshamisa muhuwandu hwemari yako, chengetedza nehutano hwehutano hwehutano kuti uone kana iwe unokwanisa kukodzera nguva yekunyora. Nguva yekunyora yakakosha inguva-isina kukwana, saka usamirira.
- Gore rinotevera rakanyoreswa . Imwe yoga yekuvhura , Affordable Care Act yehutano hwekushandiswa kwehushuwarisi ine nguva yekunyora yakasununguka. Iwe haugone kuregererwa nokuti wakundikana kubhadhara mari yako yemainishuwarensi yehutano munguva yakapfuura. Iwe haufaniri kubhadhara mari yepurayamisi yawakanga uri muzororo, kunyange iwe unyoresa nechinangwa chaicho chehutano zvakare.