Nzira 4 Dzakasarudza Pakati Pezvakagadzirirwa uye Job-based Based Health Insurance

Haisi chokwadi kuti chii chaunofanira kusarudza, Obamacare kana inshuwalhu yehutano inopiwa nebasa rako? Unofanirwa kuziva kuti chii chinokupa mari yakawanda kune buck yako, Obamacare pamwe nehutano-based health insurance? Iyi ndiyo nzira yekufananidza basa-based health health inshuwarano nezvirongwa zveBobamacare zviripo pane yako Affordable Care Act hutano hwehutano huri nani mu 4 nyore matanho.

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Danho 1-Tsvagai Icho Chinyorwa Chekukosha kweJobho-Based Health Plan

Kufananidza zvakanyatsojeka mashoko zvakaoma zvakaoma apo uri kuedza kusarudza pakati pezvirongwa zvehutano hwakawanda. Zvisinei, pane mutsutso mutsva uri nyore kwazvo: enzanisa zvinoarial maonero .

Ikozvino kukosha kwerongwa hwehutano rinokuudza kuti zviyamu zvipi zvehutano hwemari zvegore negore, pahuwandu, urongwa hwehutano huripo kune avo vanhengo. Iyo yakakosha nhamba yezvinoarial yenhamba, iyo inonyanya kukosha hurongwa hwehutano huripo. Somuenzaniso, urongwa hwehutano hwakakosha hunosvika 85% huchabhadhara anenge 85% evanhu vose vanochengetwa hutano hwemari. Nhengo dzinotarisirwa kubhadhara imwe 15% yehutano hwavo hwehutano hwehutano kuburikidza nekubhadhara mari dzinoshandiswa sezvinodiwa kubhadhara , copays uye coinsurance .

Kuti uwane kukosha kwezvinokosha zvezvirongwa zvehutano zvinowanika kuburikidza nebasa rako, unofanira kubvunza. Mushandi wako anobatsira dhipatimendi kana dhipatimendi rezvehupfumi kuvanhu ndiyo nzvimbo yokutanga. Imwe nzira ndeyokutumidza nhamba yebasa revanhu nekuda kwebasa rehutano hwehutano raunofunga iwe uye unowana kukosha kwezvinobva kune imwe chirongwa chehutano hwevashandi.

Kana wakaziva kukosha kwezvinodiwa kwebasa rako-based health plan, iwe wagadzirira kuenda kune imwe danho repiri.

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Danho 2-Enzanisa naJobho-based Health Plan & Obamacare Plan Actuarial Values

Kana uchinge wakaziva kukosha kwezvinokosha kwehutano-hwehutano urongwa wako waunoshandira ari kupa, sarudza chirongwa kana maviri ehuwandu hwezvinodiwa kubva kubasa rako reObamacare. Iwe unogona kutaurira chirongwa cheBobamacare chazvinoarial inoshandiswa nesimbi-tier .

• Bronze zvirongwa zvehutano zvine chinyorwa chinokosha che 60%.
• Sirivha yehutano zvirongwa zvine kukosha kwekuwana 70%.
• Zvigadzirwa zvehutano zvegoridhe zvine kukosha kwezvinoenderana ne80%.
• Platinum zvirongwa zvehutano zvine chiitiko chezvinoarial che 90%.

Semuenzaniso, kana basa-based health health inshurenzi yako yaunoshandira inopa kukosha kwezvinoenderana ne 72%, iwe unosarudza mari shomanana-yekuti Obamacare inoronga kuenzanisa nayo sezvo zvigadzirwa zvesirivha zvine unhu hunotarisirwa pedyo nemabasa ako-based ronga.

Nokuenzanisa zvirongwa zvehutano zvezvinoenderana nemari yezvinodial, iwe uri kuvimbisa kuti uri kuenzanisa maapuro nemaapuro. Kana iwe uchienzanisa 90% yezvinoarial yehutano hurongwa hwehutano huripo pakushanda ne 60% actuarial kukosha kwekushandura-sarudzo yehutano, inenge iine mutsa wekuenzanisa Porsche 911 ne Ford Mustang. Pane kudaro, unofanirwa kuenzanisa Honda Accord neToyota Camry kuitira kuti iwe uwane kukosha kwekuti uri kutora buck yako kana uchienzanisa chirongwa chako chekuita nezvehutano neBamamacare.

Kana uchinge watora chirongwa cheBobamacare kana maviri nechikwereti chakakodzera chinobva pakutsinhanisa, iwe wakagadzirira kuenda kune imwe nhanho.

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Danho 3-Sarudza Zvaunoshandisa Kuti Uwane Obamacare & Job-Based Health Insurance

Kusarudza Mwedzi Wokutanga Kwemari Yevashandi-Inotsigirwa Health Insurance

Job-based based health inshuwarisi kazhinji inotsigirwa neunoshandira. Vashandi vako vanobhadhara chikamu chemari yepamwedzi yehutano inshuwarisi yako, uye iwe unobhadhara chikamu. Chikamu chako chinowanzobviswa kubva kubhadhara yako yekuteresa kuitira kuti usabhadhara mitero yemari pairi.

Kumbira mushandi webasa rako rekubatsira mari yako mari yakawanda sei pamutengo wemishonga yako yemainishuwarenzi yehutano ichave mwedzi mumwe nomumwe kana ukasarudza basa-based health health insurance.

Kusarudza Mwedzi Wokutanga weKutengesa Kwekushandura-Inobva Utano Inishuwarenzi

Kuti uone mari yako yezvirongwa zvehutano hweBobamacare, unofanira kudzokera kuhutano hwehutano inshuwarheni. Iwe unogona kutarisirwa kubhadhara nekutengesa uye kugadzira kambani nekupinda muhuwandu hwehuwandu hwevanhu. Kubva pane zvirongwa zvehutano hwehutano-shanduro vanobvumirwa kuchinja mahora avo maererano nezera renyu, kwaunogara, uye kana iwe kana usati utsi, iwe uchafanirwa kufudza mashoko aya muIndaneti yehutano yehutano exchange portal usati wakwanise kuwana chero ruzivo pamusoro pemari.

Kunyange zvazvo Inishuwarenzi yehutano yehutamacare inowanzobatsirwe, hazvibviri kupiwa rubatsiro kwauri . Kana iwe wakapiwa hutano hwehutano newaunoshandira, hauna kukodzera kubhadhara mari yeBobamacare kunze kwekuti inshurensi yehutano iyo waunoshandira inopa ichine lousy kana kuti isingagoneki.

Muchiitiko ichi, zvakasiyana-siyana lousy zvinoreva kuti chirongwa chebasa rehutano-svondo chine huwandu hunokosha hunopfuura 60%. Ushuwarisi hwehutano wehutano hwako hunofunga kuti hauna kugadziriswa kana chikamu chako chemari yekuzvipa iwe pachako, kwete mhuri yekuvhara, inodarika zvinopfuura 9.56% yemari yako yemhuri.

Iwe unogona kukodzera kubhadhara mutero wehutano hwehutano hwehutano hwekwereti yekubhadhara mutero kubatsira kubhadhara inshuwarhu yehutano uchatenga kubva kune imwe shanduko kana

• Kana mari yako iri pakati pe100% uye 400% yehurumende yehurombo , uye
• inishuwarenzi yehutano iyo iwe waunoshandira inopa inezvinoarial kukosha kudarika 60% kana
• mugove wako wepamuimari yebasa-based health insurance inopfuura 9,556% yemari yako yemhuri.

Kana ukasangana nemitemo iyi, iyo nzira yakanakisisa yekuona mari yako yeBobamacare inoronga iwe kuenzanisa nebasa rako-based health plan irikukumbira rubatsiro kuburikidza nehutano hwehutano hwehutano. Kungofanana nekunyora nekugadzira nhoroondo nehutano hwehutano inshuwarheni hauna kukubvumira kuti utenge chirongwa cheBobamacare, uyewo kusakumbira rubatsiro kunokutengesa kutenga inshuwarisi yehutano kana kubvuma rubatsiro rwemari. Iwe unogonazve kusarudza kusarudza hurongwa hwehutano hwemushandirwi, pane kudaro.

Utano Inishuwarenzi Inobatsira Sei?

Kunyange kana iwe usingakodzeri kubhadhara mari yeBobamacare, iwe uchange uchida kushandisa yako Affordable Care Act yehutano inshuwarano yekutengesa kuwana zvisizvo zvisingabatsiri zveurongwa hwehutano hwawakasarudza.

Kana uchinge uine mari yepamwedzi yezvikamu zvako zvakasarudzwa zveBamamacare uye nezvehutano hwako hwehutano inshuwarisi, wakagadzirira kuenderera mberi kusvika kuchitanhatu.

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Nhanho 4-Enzanisa Nhadharo yeOmbamacare Vs Job-Based Health Insurance

Sarudza Chiito Chakanakisisa

Kana uchinge wawana kuti iwe unofanirwa kubhadhara sei mwedzi mumwe nomumwe wehutano hwako hwehutano-inshuwarheni uyewo yeBamamacare zvirongwa iwe unozvienzanisa nazvo, wava kuda kupera. Kana imwe hurongwa ichinyanya kudhura kupfuura yevamwe, sezvo iine zvose zvinoenderana nezvinodiwa, chirongwa chiduku chinodhura ndicho chinokupa bhuru rakanakisisa yebha yako. Sarudza iyo hurongwa hwehutano inshuwarheni kana uri kutsvaga zvakanakisisa kugadzirisa.

Kana Obamacare uye Job-Based Based Health Insurance Izvo Zvose Zvakanaka Mazano

Kana mari yako yezvirongwa zvose yakafanana, iwe unogona kusimbisa sarudzo yako pane hurongwa hwehutano hwehutano iwe unofarira. Ongorora zvakakosha zvakakwana zvezvinodiwa zvako nekutarisa

• Rudzi rwehutano hwehutano.
• Maitiro ekugoverana mari zvakagadzirwa sei.
• Urongwa hwehutano hwekupa mukana .
• Urongwa hwehutano hwemishonga inomarara .
• Utano hurongwa hwehutano uye kugutsikana zviyero.

Kana iwe uchida rusununguko rwekubuda kunze kwe-network uye iwe unoda kubhadhara zvishoma pane iyo paunoita, funga PPO kana chirongwa chePOS. Kana iwe usingafungi uchigara mumutambo kuti uchengetedze mari yako shoma, HMO kana EPO inogona kukushandira zvakanaka. HMO, PPO, EPO & POS-Ndechipi Kusiyana Uye Ndezvipi Zvakanakisisa?

Kana iwe usina mari kana kuti usingakwanisi kubhadhara zvakanyanya deductible, hurongwa hwehutano hwakakosha huripo asi huwandu huripo hwekubhadhara mari kana hutengo hwekubhadhara mari hunoita kuti unzwe uchinetseka.

Kana iwe uine mwoyo wako wakagadzikana pakuchengeta chiremba wako wekuchiremba iye zvino kana nyanzvi, chengetedza chirongwa cherongwa hwehutano hwese hwehutano. Usati waenda kune chirongwa chehutano PCP yako iri mu-network , sidza hofisi yechiremba kuti uone kuti ivo vachiri mu-network pamwe neurongwa hwehutano uhwu uye kuti havasi kuronga kuregera kubva mumusangano wayo chero nguva pfupi.

Kana iwe ukatora mishonga yemishonga, chengetedza chirongwa chimwe nechimwe chehutano chemishonga yehutano kuti uone kuti mishonga yako yemishonga inogadziriswa yakavharwa. My Prescription Drug Haisi paMutano Wangu Hwemishonga yekurapa. Chii Zvino?

Pakupedzisira, chengeta hutano uye kugutsikana kwezvikwereti zvezvirongwa zvehutano zvaunofunga. Iwe unogona kuita izvi nemakadhi ehupfumi yemapurogiramu ezvehutano anowanika paNational Committee yeUnited Assurance's website. Zvimwe zvinhu zvose zvakaenzana, kana munhu ane mazano makuru kana mumwe munhu ane uwandu hwekukwirira, chisarudzo chichava nyore.