Kunyatsonzwisisa ACA's Premium Tax Credit Health Insigiro yeInishuwarensi
Inotengeswa Care Care Act inosanganisira hurumende inobatsira kubatsira vanhu kubhadhara utano hwehutano inshuwarheni. Imwe yezvipo zvehutano yveshuwarensi yehutano ndiyo mvumo yekubhadhara mitero inobatsira kubhadhara mari yemishonga yemishonga yemishonga yehutano yepamwedzi.
Pasi pekutonga kweTrump, vatongi veRepublican vakapedza zvizhinji zve 2017 vachiedza kubvisa ACA uye kuitora nedzimwe nzira dzakasiyana, asi havana kubudirira.
Mitero Cuts uye Jobs Act (HR1), yakagadzwa munaDisemba 2017, ichapedzisira ichitsvaira chirango chemumwe munhu weAACA, asi icho hachizogoni kusvika kusvika muna 2019 ( kuchine chirango chekusabatsirwe muna 2018 ). Uye gwaro reJanuary rinoramba richienderera mberi rakarambidza mashoma emitero yeAACA, kusanganisira Cadillac Tax .
Asi zvakasadaro, hapana chakachinja pamusoro peAACA. Kugovana-kugovana kudhura kunoramba kuripo kune vanotora chikwereti chakakodzera, pasinei nekuti hutungamiri hweTrump hwakabvisa mari yavo kwavari pakupera kwa2017 (bhizimisi vakangowedzera mari yekubhadhara mari panzvimbo payo, iyo inonyanya kukanganiswa nemari inowanikwa yakawanda inobhadharwa mari yepamusoro). Uye iyo yepamusoro yekwereti yekwereti, aka premium rubatsiro, inoramba ichishanda, uye ichiripo kune vanhu vanotenga kugoverana kuburikidza nekutsinhanisa .
Mutengo wekubhadhara mutero / kubhadhara kwakaoma. Kuti uwane rubatsiro rwemari uye urishandisa nenzira yakarurama, unofanirwa kunzwisisa kuti hutano hwehutano hwehutano huri kushanda sei.
Kana iwe usingashandisi zvakanaka, unogona kupedzisira uri muchero wemari. Hezvino izvo zvaunoda kuziva kuti uwane rubatsiro waunokodzera uye unoshandisa rubatsiro rwakachenjera.
Ndinokumbira sei Kubhadhara Mari yeInishuwarenzi yeUkwereta Kwemutero?
Shandisa mari yekubhadhara mutero wekubhadhara muhutano hwehutano hwehutano hwako .
Kana ukawana inshuwarhu yako yehutano pane imwe nzvimbo, haugoni kuwana mubayiro wekwereti yekwereti (Senators Lamar Alexander naBob Corker, vose veRepublicans vanomiririra Tennessee, vakaunza American Health Care Options Act ya2017, iyo ingadai yakabvumira kunyora kuti vawane premium mutero wechikwereti nokuda kwezvirongwa zvakatengwa kunze kwekutsinhanisa, kana zviitiko zvisingabatsiri vauye zvirongwa mukushandura mune imwe nzvimbo; murairo hauna kufambira mberi mumusangano we2017, uye nzvimbo dzose dzenyika dzakaguma dziine zvirongwa zvinowanikwa kuburikidza nekushandura for 2018).
Kana iwe usina kunetseka kuzviisa iwe pachako kune inshuwarhu yehutano kuburikidza nekushandura kwehurumende yako, unogona kuwana rubatsiro kubva kune imwe yerinishuwarenzi yehutano yehutano iyo inopupurirwa nechitsinhanisi, kana kubva kune anyoresa mubatsiri / navigator. Vanhu ava vanogona kukubatsira kunyora muurongwa uye kupedza chirongwa chekugonesa mari chekugonesa kuti uone kana iwe uchikwanisa kubhadhara (pasina mutero wekubatsira kwavo).
Ndichanyatsokodzera Kubhadhara?
Vanhu vanoita pakati pe100 ne400 muzana ye federal poverty level vanogona kukodzera mari yepamusoro yekwereti yehutano yveshuwarensi yehutano (iyo yakaderera muchero ndeye 139 muzana yehurombo uhu kana uri mune imwe nyika yakawedzera Medicaid, sezvo Medicaid kugoverwa iripo pasi pemutengo iwoyo).
Urombo hwehurumende hunochinja gore roga roga, uye hunobva pane zvaunowana uye ushamwari hwemhuri. Iwe unogona kutarisa FPL yegore iri pano.
Iwe uchashandisa zvikwereti zveFPL zvegore rino kuti ushandise rubatsiro rwehutano hwehutano hunotevera. Semuenzaniso, kana iwe wakakumbira hurongwa hwe 2018 hweBobamacare panguva yekunyora kuzarura pakuvhurwa kwa2017, kana kana iwe uchikumbira kugoverwa kwe 2018 pakati pema 2018 uchishandisa nguva yakanyoresa (yakakonzerwa nechiitiko chinodiwa), iwe uchashandisa iyo FPL nhamba kubva muna 2017. Ndokusaka kunyorwa kwakasununguka kwekugoverwa kwe 2018 kwakaitwa pakupera kwe 2017, iyo inotangira nhamba dze 2018 FPL dzichiwanika. Nokuda kwekusagadzikana, nhamba imwecheteyo yeFPL inoshandiswa pakuzara kwegore rose.
Nhamba itsva dzeFPL dzinouya gore negore kunopera kwaJanuary, asi hadzisi kushandiswa kuti rubatsiro rwekubhadhara ruzivo ruvepo kusvikira hurumende yakatanga kuzarura inotangazve munaNovember, kuitira kuparidzirwa zvakanaka gore rinotevera.
Nokuda kwehupfumi hunobudirira muna 2018, uchishandisa 2017 FPL mazinga, mumakondani eSouth America (FPL yakakwirira muAlaska neHawaii), iwe uchakwanisa kubhadhara inshuwarhu yehutano yehutano sewe munhu ane mari yekuwana:
- $ 12,060 kusvika ku $ 48,240 kune munhu mumwe chete (muchero wakaderera uri $ 16,763 kana uri mune imwe nyika yakawedzera Medicaid)
- $ 16,240 kusvika ku $ 64,960 kune mumwe murume nemudzimai (muchengeti wezasi uri $ 22,823 kana uri muhurumende yakawedzera Medicaid
- $ 24,600 kusvika ku $ 98,400 kune mhuri yevana (pasi pfupi iri $ 33,194 kana uri mune imwe nyika yakawedzera Medicaid).
Kana ukasangana nemari yekuwana mari, unogona kunge usingawanikwi kubhadhara. Izvozvo zvingava zvakadaro kana:
- Yechipiri-yakaderera-purogiramu yemari yesirivha munharaunda yako inofungidzirwa inotengesa pamutero wako, kunyange pasina rubatsiro.
- Iwe unokodzera kuwana zvisingakwanisiki, zvishoma zvigadziro chirongwa kubva kumushandi (yako kana wewawakaroorana naye). Cherechedza kuti kukwanisa kwezvirongwa zvinoshandiswa nevashandirwi kunotarirwa zvichienderana nemari yevashandi, zvisinei nokuti chii chinofanira kuwedzera mumwe mukadzi uye vanovimba naye. Asi mudzimai nemudzimai havakwanisi kuwana rubatsiro rwekubhadhara kana kugoverwa kwebashandi kunofanirwa kubhadhara kune mushandi uye kunopiwa kumhuri. Izvi zvinonzi mhuri inobwinya .
Mari Ipi Ichawana?
Kuti uone kuti mari yako yepamusoro yekwereti ichave yakadini, unofanira kuziva zvinhu zviviri:
- Nhengo yako inotarisirwa kumari yehutano inshuwarano yako yehutano
Iwe unogona kutarisa izvi mutafura iri pasi peji. Cherechedza kuti inochinja gore negore. Mipiro ye 2018 yaive yakanyatsotsanangurwa muRIS Revenue Procurementure 2017-36 , uye chaizvoizvo yakaderera kubva muzvikamu zvezvipo zve 2017 (iyi ndiyo nguva yokutanga iyo zvikamu zvakaderera kubva kune rimwe gore kuenda kune inotevera, panzvimbo yekuwedzera). - Mutengo weurongwa hwehutano hwehutano hwako
Purogiramu yako yepachiratidzo ndiyo hurongwa hwehutano -tiered yehutano neyepiri yechipiri chemwedzi miviri pamunharaunda yako. Utano hwehutano wehutano unogona kukuudza chirongwa ichi ichi uye kuti zvinorevei. Iwe unogonawo kuitsvaga iwe pachako nekungozvitora zvinyorwa zvako pakuchinjana, uchitarisa iwo nemutengo (izvo zvinowanzoitika), uye wotarisa purogiramu yechipiri-yakaderera-yakawanda yesarani.
Mari yako yekubhadhara ndiyo misiyano pakati pezvipo zvako zvinotarisirwa uye mari yepurogiramu yekufananidzira munzvimbo yako. Ona muenzaniso wekuverenga mari yako yemwedzi uye wekubhadhara mari yako pasi peji (asi uzive kuti shanduko ichaita zvose izvi kuverenga kwako-muenzaniso unongokubatsira kuti unzwisise kuti zvinoshanda sei, asi iwe haufaniri kuita zviyero izvi kuti uwane chikwereti chako chemutero!).
Ndinogona Kutenga Purogiramu Isingadhuri Yokuchengetedza Mari, Kana Kuti Ndinofanira Kutenga Purogiramu yeBanchmark?
Kungofanana nepurogiramu yezvibvumirano inoshandiswa kuverenga rubatsiro rwako harurevi kuti unofanira kutenga chirongwa chekufananidzira. Iwe unogona kutenga chero ndarira, sirivha, ndarama, kana platinum urongwa hwakanyorwa pahutano hwehutano inshuwarheni. Iwe unogona kusashandisa rubatsiro rwako kuti utenge chirongwa chakaipa , zvakadaro.
Kana ukasarudza hurongwa hunotora zvinopfuura chirongwa chekufananidzira, kuwedzera pane zvaunotarisirwa, iwe uchabhadhara musiyano pakati pemari yepurogiramu yekufananidzira uye mari yeurongwa hwako hwekuwedzera. Kana ukasarudza chirongwa chinodhura kupfuura chirongwa chekufananidzira, iwe uchabhadhara mari shoma sezvo mari yekubhadhara ichavhara chikamu chakawanda chemwedzi wepamwedzi. Kana ukasarudza urongwa husingadhuri zvokuti hunodhura zvishoma kudarika rubatsiro rwako, haufaniri kubhadhara chero chinhu chehutano hwehutano. Zvisinei, iwe haugoni kuwana mari yakawanda yekudzorera (nhamba yekuti vanhu vari munzvimbo dzakawanda vanokwanisa kuwana zvirongwa zvemhangura pasina purogiramu ye 2018-mushure mekushandiswa kwekodzero dzavo dzekubhadhara mitero-nekuda kwenzira yekudhura kwekugovana mari yakawedzerwa pamahora emari esirivha e 2018).
Kana uri kuedza kuchengetedza mari nekusarudza hurongwa uine huwandu hunokosha huri pasi , (semurongwa webhandi pane urongwa hwesirivha), ziva kuti iwe ungangove wakanyatsogadziriswa uye unobhadhara apo iwe uchishandisa utano hwako hwehutano. Asi mune chimwe chinhu chisinganzwisisiki chakaitika gore ra2018, zvirongwa zvegoridhe kune dzimwe nzvimbo zvinodhura zvishoma kudarika zvigadziriswa zvesirivha (sezvo mari yekudhura kugovana-mari yawedzerwa kune purogiramu yehupfumi yemapurisa), pasinei nokuti zvirongwa zvegoridhe zvine huwandu hunokosha hwekugadzirira .
Zvisinei, kana iwe uine mari iri pasi pe 250 muzana yeFPL-uye kunyanya kana iri pasi pe200% muzana yeFPL-funga kusarudza chirongwa chesirivha-teer, sezvo kukosha kwechirongwa chepurogiramu ichocho zvichange zviri nani kupfuura chirongwa chegoridhe, kana mune zviitiko, kunyange zviri nani kupfuura chirongwa cheplatinum. Izvi ndezvokuti kune rubatsiro rwakasiyana rwunotapudza mapepa, coinsurance, uye kubhadhara kune vanhu vane miriyoni pasi pe 250% yehurombo hwehutano. Vanhu vakakodzera vanogona kuishandisa kuburikidza nehurukuro yekubhadhara mari yechikwereti. Zvisinei, inongowanikwa kune vanhu vanosarudza chirongwa chesirivha-tier.
Ndinofanira Kumirira Kusvikira Ndaisa Mitero Yangu Kuti Ndiwane Rubatsiro Sezvo Iri Mutero Wakabhadhara?
Iwe haufaniri kumirira kusvikira iwe ukakanda mitero yako. Iwe unogona kuwana mubayiro wekambisi wekwereti kare. Zvisinei, kana iwe uchida, iwe unogona kusarudza kutenga yako yemari yekwereti yemutero semutero wokubhadhara mutero iwe paunotora mitero yako pane kuti iwe ubhadzwe nguva isati yasvika. Iyi sarudzo inowanikwa chete kana iwe wakanyoresa chirongwa kuburikidza nekushandura. Kana iwe uchitenga chirongwa chako zvakananga kubva kune kambani yemishuwarenzi, haungakodzeri kubhadhara mberi-premium rubatsiro, uye iwewo hauzokwanisi kutora rubatsiro pamutero wako wekudzokera.
Kana zviwanikwa zvako zvakanyanya kuderera zvokuti haufaniri kutora mitero, iwe unogona kuwana rubatsiro, kunyange iwe usingakwanisi kubhadhara kana mari yako iri pasi peurombo (kana kuti pasi pe 139 muzana yehurombo uhu mumitauro iyo yakawedzera Medicaid).
Pasinei nokuti iwe unotora rubatsiro rwako kumakore ose here kana kuti mubhadharo pamutero wako wekubhadhara, iwe uchada kuisa Fomu 8962 nemutero wako wekudzokera. Ndiwo maitiro ekuyananisa (kana kubvunza zvakakwana) yako chikwereti chemutero wechikwereti.
Ndinowana Sei Mari?
Kana ukasarudza kuwana mari yekubhadhara mari yekubhadhara kare, hurumende inotumira mari yacho zvakananga kune imwe kambani yehutano yehutano panzvimbo yako. Bhizimisi rako rehutano rinotendesa kuti mari inotarisa mari yako yehutano yemishonga yveshuwarensi, zvichideredza mari yauchabhadhara mwedzi mumwe nomumwe.
Kana ukasarudza kuwana mari yekubhadhara mutero semari yekubhadhara mutero, mari yacho ichabatanidzwa mumari yako yekubhadhara iwe paunotora mitero yako. Izvi zvinogona kureva kubhadhara mutero mukuru. Asi, iwe uchabhadhara zvakawanda kune inshuwarhu yehutano mwedzi wega wega sezvo uchange uri kubhadhara zvose zvako chikamu chekutanga uye mugove waizove wakaputirwa nebhasiro kana iwe ukasarudza kushandiswa kwekubhadhara. Ichazobuda kunyange pakuguma, asi kana iwe uri pasi nepakati-mari-mu-ruoko, unogona kuwana mubhadharo wekugadzirira kushandiswa kupfuura user-friendly.
Sei Uchimirira Kusvikira Ndaisa Mitero Yangu Kuti Ndiwane Rubatsiro?
Vanhu vazhinji havadi kumirira; ivo vanosarudza kusarudza kubhadharwa kubhadhara kusarudzo. Zvisinei, funga kusarudza kuwana mari yekubhadhara pamwe chete nemari yako yekubhadhara kana:
- Mari yako inoswedera pedyo ne400 muzana yeFPL.
- Mari yako inopesana kubva pagore negore kuitira kuti iwe usave nechokwadi kuti iwe uchaita zvakadini.
Apo rubatsiro runobhadharwa zvisati zvaitika, mari yebhasiro inobva pachiyero chemari yako yegore rinouya. Kana kuenzanisa kusina kunaka, mari yekubhadhara ichave isina kururama.
Kana iwe uchiwana zvishomanana kudarika kushandiswa, rubatsiro rwakapfuurira ruchange rwakaderera pane rwaifanira kunge rwaive. Iwe uchawana zororo sekubhadhara mutero.
Kana iwe uchiwana zvinopfuura kuongororwa, hurumende inotumira mari yakawanda yekubhadhara mari kune kambani yehutano inshuwarisi. Iwe unofanirwa kubhadhara chikamu kana zvose zvekuwedzera mari yekubhadhara kana iwe ukakanda mitero yako. Kunyanya kuipa, kana mari yako chaiyo yapera kune inopfuura 400 muzana yeFPL, iwe unofanira kubhadhara mari imwe neimwe yebhasiro . Izvi zvinogona kuva zviuru zvemadhora.
Kana iwe ukawana rubatsiro rwako apo iwe ukakanda mitero yako yemutero pane kutanga, iwe uchawana mvumo yakakwana yebhasiro nekuti iwe uchaziva kunyatso kukosha kwawakawana gore iroro. Iwe haufaniri kubhadhara chero yadzo zvakare .
Ndezvipi Zvimwe Zvandinoda Kuti Ndizive Nezvekuti Inishuwarenzi Yehutano Inobatira Sei?
Kana rubatsiro rwako rwakabhadharwa zvisati zvaitika, zivisa yako yehutano inshuwarheni shanduko kana mari yako kana mhuri yako ichichinja mukati megore. Shanduro inogona kuverenga zvakare mari yako yekubatsira kwegore rose zvichienderana nemashoko ako matsva. Kukundikana kuita izvi kunogona kukonzera kukura zvakanyanya kana kudukusa, uye kuita kuchinja kukuru kune mari yekubhadhara panguva yengoro.
Muenzaniso wekuti Ungaverenga sei Insirensi yeInishuwarenzi yehutano
Ramba uchifunga kuti kutengesa kuchaita zvose izvi kuverenga kwako. Asi kana iwe uchida kuziva kuti vanouya sei nemari yako yekubatsira, kana iwe uchida kuongorora kaviri kuti rubatsiro rwako rwakarurama, hezvino ndicho chaunoda kuziva:
- Ratidza kuti mari yako yaunowana inofananidzwa neFPL.
- Tsvaga zvaunotarisira kuti mupi wepamupi mutafura iri pasi apa.
- Verengai dhora ramari iwe unotarisirwa kugovera.
- Tsvaga rubatsiro rwako rwekubhadhara nekubvisa chikamu chako chaunotarisira kubva pamari yepurogiramu yekuenzanisa.
Tom haana kuroorwa ane mari ye $ 23,000 pagore. FPL ye 2017 (inoshandiswa nokuda kwekugoverwa kwa2018) i $ 12,060 yevanhu vasina kuroora.
- Kuti uone kuti mari yaTom inofananidzwa neFPL, shandisa:
mari inobata ÷ FPL x 100.
$ 23,000 ÷ $ 12,060 x 100 = 191.
Mari yaTom ndeye 191 muzana yeFPL. - Kushandisa tafura iri pasi apa, Tom anotarisirwa kugovera pakati pe 4.03 kusvika ku6,34 muzana yemari yake. Tinofanira kuziva kuti zviyero zvipi zvekufamba nenzira iyo iyo ine mari ye191 muzana yeFPL. Tinoita izvi nokutora 191-150 = 41, uye tichizoparadzanisa iyo ne50 (mutengo wose pakati pe 150 uye 200 muzana yeFPL 41/50 = 0.82, kana 82 muzana.
- Zvadaro, tinoona nhamba ye 82 yezana yenzira iri pakati pe 4.03 ne 6.34. Tinoshandisa 6.34-4.03 = 2.31, uye tinotora 82 muzana yeiyo. 2.31 yakawanda ne 0.82 = 1.89. Saka tinotanga ne 4.03 uye kuwedzera 1.89, uye izvozvo zvinotitorera 82 kubva muzana yemugwagwa nenzira iyo yakareba. 4.03 + 1.89 = 5.92
- Tom anotarisirwa kubhadhara 5.92 muzana yemari yaanowana nokuda kwechirongwa chekuvhara sirivha.
- Kuti uverenge kuti Tom anotarisirwa kuti apiwe, shandisa iyi equation:
5.92 ÷ 100 x mubereko = rubatsiro rwaTom rubatsiro.
5.92 ÷ 100 x $ 23,000 = $ 1,361.60.
Tom anotarisirwa kupa $ 1,361.60 yegore, kana $ 113.47 pamwedzi, kutarisa mari yehutano inshuwarisi. Mutengo wekubhadhara mutero wemari wechikwereti unobhadhara mari yose yeurongwa hwehutano hwehutano. - Urongwa hwehutano hwehutano hwakanaka pahutano hwehutano hweTom hunodhura $ 3 900 pagore kana $ 325 pamwedzi. Shandisa iyi equation kuti uone mari yekubhadhara:
Mutengo wepurogiramu yekuenzanisa - mupiro unotarisirwa = chiyero chebhasiro.
$ 3,900 - $ 1,361.60 = $ 2,538.40.
Tom's premium mutero wekubhadhara chikwereti ichava $ 2,538.40 pagore kana $ 211.53 pamwedzi.
Kana Tom akasarudza chirongwa chekufananidzira, kana imwe chirongwa che $ 325 pamwedzi, achabhadhara $ 113.47 pamwedzi nekuda kwehutano inshuwarhu. Kana akasarudza chirongwa chinodhura $ 425 pamwedzi, achabhadhara $ 213.47 mwedzi wega yehutano hwehutano inshuwarheni. Kana akasarudza chirongwa chinodhura $ 225 pamwedzi, iye achangobhadhara $ 13.47 pamwedzi nekuda kwehutano inshuwarhu.
Mupiro Wako Waunotarisira Kune Wako 2018 Health Insurance Premium
| Kana mari yako ipo: | Chipo chako chaunotarisira chichava: |
|---|---|
| 100% -132% yehurombo huwandu | 2.01% yemari yako |
| 133% -149% yehurombo huwandu | 3.02% -4.03% yemari yako |
| 150 -% - 199% yehurombo huwandu | 4.03% -6.34% yemari yako |
| 200% -249% yehurombo huwandu | 6.34% -8.1% yemari yako |
| 250% -299% yehurombo huwandu | 8.1% -9.56% yemari yako |
| 300% -400% yehurombo huwandu | 9.56% yemari yako |
> Sources:
> Congress.gov, S.761, Health Care Options Act ya2017.
> Dhipatimendi Rezvoutano uye Human Services, Mutevedzeri Kudzivirirwa uye Anogadziriswa Care Care Act: Market Stabilization . April 13, 2017.
> Internal Revenue Service, Nzira dzeMutero 2016-24 .
> Internal Revenue Service, Nzira dzeMutero 2017-36 .