Iwe unokodzera kuenderera mberi kweCOBRA yehutano inshuwarisi nokuti uri kurasikirwa nebasa rako , kurambana, uchangobva kuva chirikadzi, kana kukwegura kubva kumubhizimisi wehutano-based health insurance ? Zvimwe zviitiko zvekufananidzira zvinokuita kuti iwe uwane chikamu chekunyora nguva yakakosha pahutano hweOmamacare hwehutano hwehutano.
Pasi paCOBRA, iwe uchabhadhara mutengo wakakwana wekugovera kwako iwe pachako, pasinei nemamiriro ako ezvinhu.
Asi kana ukasarudza hurongwa mukushandura, iwe unogona kukodzera rubatsiro rwemari ruchazadzisa chikamu chekutanga (uye mune dzimwe nguva, chikamu chekunze kwekodha mariwo).
Kuisa Zita kuUbamacare Kana Wakapa COBRA Health Insurance
Ehe. Iwe une nguva shomanana mushure mechiitiko chinokodzera (kurasikirwa nebasa rako kana kurambana, somuenzaniso) kunyora kuCOBRA. Chiitiko chirikuita kuti iwe urege kurasikirwa nehupurogiramu yako yaunobhadharwa ichaitawo kuti uwedzere nguva yakanyoresa nguva yakakosha paAne Affordable Care Act yehutano yehutano kushandiswa (kana kuti neAACA-inogadziriswa chirongwa chinopiwa kunze kwekutsinhanisa).
Iwe une window yemazuva makumi matanhatu ekunyora, pasinei nokuti uri kuzosarudza kuramba uchiita chirongwa chako chaunoshandisa kuburikidza neCOBRA, kana kusarudza urongwa hutsva hwemakethe mune shandiso (kana kusadzi-kushandiswa, kunyange zvazvo ACA premium rubatsiro hazviwanikwi kunze kwerudzikinuro).
Mumazuva okutanga eObamacare, mutemo waiva kuti kana ukasarudza kuenda neCOBRA, nguva yako yokunyora yakakosha yemusika mumwechete yaizoguma panguva iyoyo, pasinei nokuti mazuva makumi matanhatu ako apfuura sei. Saka semuenzaniso, kana basa rako-based coverage raizopera musi waJune 30 uye iwe wakasarudza musi waJuly 15 kuti uenderere mberi neCOBRA, iwe zvakakosha kurasikirwa nemazuva makumi mashanu ekupedzisira ekunyora kwawakaita kwawakaita pakusarudza hurongwa hwemisika.
Asi izvi zvakachinja kunopera kwegore ra2016. HHS yakaziva kuti vamwe vanhu vakanga vachinyora kuCOBRA panguva yevanenge vachibvunzurudzwa apo vakasiya mabasa avo uye vaiita izvi vasina kunzwisisa zvakakwana mararamiro emumwe mutengo nematengo zvichienzaniswa nekuchengetedza chirongwa chebashandi pamwe neCOBRA. Saka mitemo yakashandurwa kuitira kuti vanhu varambe vaine nguva yavo yakakwana yemazuva makumi matanhatu ekunyorwa kwepamusika pamusika mumwe nomumwe, pasinei nokuti vakagamuchira COBRA kana kuti kwete .
Zuva rekunyora kwemazuva makumi matanhatu pamusana pekugoverwa kwemusika (kureva, iyo yaunotenga iwe pachako, zvichida kuburikidza nekutengeserana kwaObamacare, asiwo zvakananga kubva kune vatsigiri vekuchengetedza) inotanga zuva iro kubhadhara-kubhadharwa kwebasa rako kwapera-kana kuti kwaizopera kana iwe usina 't akagamuchira COBRA.
Kunyangwe iwe ukasarudza COBRA pakutanga kwewindo, iwe unenge uine mazuva makumi matanhatu ekuzorora kusarudza pane imwe purogiramu yemakethe. Izvi zvinogona kunyanya kubatsira apo vanhu vanozviwana vari mumamiriro ezvinhu apo chirongwa chavo chavanoshandira-chinotsigira chinopera mukati memwedzi uye vari pakati pemishonga. Muchiitiko ichocho, zuva rokutanga rokutanga rinogona kugadzirisa hurongwa hwekutengeserana humwe hwakatengwa muchitsinhanisi hwaizova wokutanga wemwedzi unotevera.
Asi COBRA inogona kushandiswa kuvhara yakasara yemwedzi iyo chirongwa chinoshandiswa nevashandirwi chaizodai chapera, uye munhu wacho anogona kuchinja kune imwe purogiramu yemakethe kana izvozvo zvinopa kukosha kwakanakisisa.
Kamwe kana zera remazuva makumi matanhatu rapera, iwe hauna kuzosarudza kusarudza COBRA kana iwe usati watove, uye iwe hausisina charudzo chokutora hurongwa hwemusika wega kana iwe wakasarudza kutanga COBRA panzvimbo (iwe unenge uine mukana wekutenderera kune imwe purogiramu yemakethe panguva yekuzorora yakasununguka inotevera, inoitika gore negore rimwe nerimwe rawa, asi kusarudza kusarudza COBRA kunonyangarika zvachose kamwe mawindo ekutanga apera).
Saka zvakakosha kusarudza nokuchenjera, sezvo iwe uchanamirwa muchisarudzo chako kwechinguva chiduku gare gare. Asi mutemo wakasununguka wekunyoresa nguva yakakosha mumusika mumwechete (kana iwe unogonawo kuwana COBRA) zvinoreva kuti iwe unogona kutora nguva yako uye unogona kuchinja pfungwa dzako, chero bedzi uchizviita mumazuva makumi matanhatu.
Ndinogona Here Kuwana Rubatsiro Rwebamacare Kubatsira Kubhadhara COBRA?
Kwete. Zvose mari yemari yehutano yehutano yehutano yemari yekwereti uye mari yekugoverana mari inowanika paMusika inogona kushandiswa chete nemaronga ehutano akatengwa kuburikidza neMusika . Kana iwe uchitenga inshuwarhu yehutano kubva kuM Marketplace, kana iri COBRA kuenderera mberi nekuvhara kana imwe yveshuwarhu yehutano yega yega, haugoni kushandisa Obamacare rubatsiro kurambidza mari.
Pane Chipo cheCOBRA Inishuwarenzi Inondiita Ineligible nokuda Kwebatsiro reOmbamacare?
Aiwa. Kunyatsopiwa kwakapiwa COBRA hakuiti kukwanisa kwako kukwanisa kuwana rubatsiro rweBobamacare. Asi, kuti ushandise ruzivo rwekubhadhara, iwe unofanirwa kusiya chikoro chako cheCOBRA uye unyoresa pane chirongwa cheBobamacare kuburikidza nehutano hwehutano hwehutano panguva yako 60-day yakanyora kuverenga nguva. Iwe uchazofanirawo kusangana nemari uye zvimwe zvinoda kuti uwane rubatsiro.
Kana Ndikarasikirwa kana Kundisa My COBRA Coverage, Ndingaramba Ndichiwana Obamacare Rubatsiro?
Zvichida. Kurasikirwa kana kubvisa COBRA yako hakuiti kuti iwe hauna kukodzera kuti iwe uwane rubatsiro rweBobamacare, asi runogona kuita kuti iwe unokodzerwa neurongwa hweBobamacare. Sezvo iwe unogona kushandisa chete rubatsiro neurongwa hweBobamacare, unofanirwa kubhadhara mari haingakubatsiri zvachose kana iwe usina kukodzero yekunyora hurongwa hwehutano hweBobamacare.
Kana ukarashikirwa neshuwarhu yehutano yeCOBRA nokuti COBRA yakagadziriswa nguva yemwedzi 18-36 yakapera, unokodzero yekubhabhatidzwa kwemazuva makumi matanhatu emusika paMusika (zvakafanana nenguva yekufanirwa yakashanda iwe pawakatanga kubhadhara COBRA ). Iwe unogona kunyora muurongwa hweMasoko uye unoshandisa rubatsiro munguva iyi yekunyora kunokosha.
Kana iwe uchida kubvisa kero yako yeCOBRA kana iwe wakarasikirwa nokuti iwe hauna kubhadhara miriyamu yako , haugoni kukodzera kuWe Marketplace kunyorwa kwakakwana. Iwe unofanirwa kumirira kusvika panguva yakatevera yekunyora yakasununguka kunyoresa chirongwa cheBobamacare. Panguva yekunyorwa kwemashoko akazaruka, unogonawo kushandisa mari yekubhadhara mitero yehutano yehutano yehutano yevayiridzi kune avo vane mari yepasi pe 400% yehurumende yeupfumi yepamusoro uye mari yekugoverana mari kune avo vane mari inopfuura 250% yeFPL.
Ndinoitei?
Paunotanga kubhadhara kuCOBRA, nyatsocherechedza nezvemari yako uye kutsvakurudza kuti zvikwereti zvako zveCOBRA zvichave zvakadini . Zvibvunze kana iwe ukakwanisa kutenga mishonga yeCOBRA yakapa shanduko mumamiriro ako emari anokonzerwa nechiitiko chako chakanaka.
Zvadaro, tsvaga kana iwe ungave wakakodzerwa kubatsiri kubhadhara utano hwehutano uchatenga muMusika. Kana iwe uchikwanisa kubhadhara mari, chirongwa cheBobamacare chichave chakaenzana neicho chekuvhara mari yako mushure mekubhadhara mari?
Enzanisa nemari yako yekubatsiridzirwa kweAmamacare kugoverwa nemari yako yeCOBRA yekuenderera mberi. Chinhu mumunyaradziro wehutano pamwe nehutano hwehutano hwako hunoenderana nekushandura zvirongwa zvehutano, uye gadzirisa chisarudzo chako pane izvozvi.
Sources:
HealthCare.gov. COBRA Coverage uye Marketplace.
> HealthCare.gov. Glossary: > Nguva yakanyoresa Period
Kaiser Family Foundation. Health Reform FAQ FAQ Tag: COBRA
United States Dhipatimendi reVashandi, Bhizimisi Bhizimisi Zvekuchengetedzwa Kwekuchengetedza. FAQs About COBRA Kuenderera mberi Health Health.