Kana iwe ukasvika kuhutano hwako hwehutano hunobuda kunze kwehomwe gore negore, unogona kuva nemikana yekuchengetedza mari. Mari yekubhadhara mari inogona kuvhara kana iwe:
- Ari pamishonga inodhura
- Anoda kazhinji kushungurudzwa
- Vanoda kudzokorora kurapa kunodhura
Asi, mari yako yepamusoro yehutano ndiyo chinhu chinokosha pamikana yekuchengetedza mbiri .
- Iwe unogona kukwanisa kuponesa paunenge uri kunze kwehomwe mari yakadai semakopays , coinsurance, uye zvakakonzerwa .
- Iwe unogona kukwanisa kuchengetedza pamisimamiro yveshuwarisi yehutano .
Aya maitiro ekuchengetedza chete anoshanda kune vanhu vanotarisira kusvika kune chirongwa chavo chekunze kwehomwe gore negore.
Sarudza Purogiramu Iri neChikamu Chisingasviki chePocket
Utano hwehutano hwekambani hunobhadhara zana muzana yemari yako yakavharwa kwegore rose mushure mokunge musangana negore renyu risati rapera. Chinhu bedzi chamunoramba muchibhadhara ndeyemwedzi yenyu yehutano yveshuwarisi premium , uye mitsara yemhando ipi zvayo inenge isina kuvharwa neurongwa hwako (zvinhu zvakadai sekurapa mazino, somuenzaniso, kana kuvhiyiwa kusarudzwa).
Saka, kana ukasarudza hurongwa hwehutano nehuwandu huri pasi pehomwe kupfuura iwe huripo huripo, iwe unogona kuchengetedza mari, zvichienderana nekusiyana kwepurayamisi. Muzviitiko zvakawanda, uchaona kuti muchengeti wekunze wepote-pocket kupfuura zvinokonzera mari yakakwirira.
Nzira Yokuwana Nayo Zvirongwa Zvine Zvishoma Zvishoma Zvisipo
Tsvaga chirongwa nechokukwirira chakakodzwa uye coinsurance , asi chidimbu chepasi chiri kunze.
Sezvo vanhu vakawanda vasingatombotauri kunze kwepamusoro pehomwe, yakakwirira iyo inokonzerwa uye inobhadharwa nechokanyanya iyo kambani inofanirwa kubhadhara nokuda kwehutano hwehutano kune avo vanowanzoita nhengo. Izvi zvinovabvumira kuti vabhadhara mubayiro wepasi.
Sezvo uchiziva kuti iwe uri kubhadhara mari yakazara kunze kwegoreti gore, iyo yakaderedza zvakaderedza uye mari yekutengesa haibatsiri mari yako yegore negore.
Kutaura zvazviri, sezvo uri kusarudza hurongwa uine huwandu hwakaderera huri kunze kwehomwe, mari yako yegore negore ichave yakaderera pane yaangadai iri pane chirongwa nepamusoro-chepamusoro pehomwe-zvisinei nokuti yakabviswa.
Mune mamwe mazwi, nhamba inonyanya kukosha ndeyepamusoro-pfu-ye-pocket exposure, sezvo uchiziva kuti uri kusvika kune iyo iyo imwe nzira kana imwe. Izvo hazvina basa kana iwe ukasvika ikoko kuburikidza neducuctible uri woga kana kuti uchibviswa pamwe nekubvumirana pamwe nemapayipi, saka chirongwa chekugadzirisa kunze kwekunze kwemahombekombe hachisi chakakosha apo iwe unotarisana nezvikwereti zvinodhura zvinodhura mukati megore.
Zvisinei, iyo yakakwirira deductible uye coinsurance ine simba pane iwe paunobhadhara mari yako yekunze, kuchinja iyo kusvika pakutanga kwegadziriro yegore. Iwe uchasvika kunze kwepamusoro-pocket kare kare mugore nokuti yakaderera kuitira kuti zvive nyore kusvika, uye nokuti iwe wakabviswa uye mari yepamusoro yakakonzera kuti ubhadire pakutanga kwegore.
Sarudza Purogiramu Izvo Zvekare Zviri Mukati-Muhomwe Maximum asi Nhamba Yokutanga
Imwe nzira yekuchengetedza ndeyokutenga chirongwa chemishonga inshuwarano yehutano nemiganhu yakadaro kunze kwepakona seurongwa hwako huripo, asi puroprium yakaderera pamwedzi. Paunenge uchinge uine mari yakafanana yegore rose kunze kwehomwe yehutano, iwe uchachengetedza mari mwedzi mumwe nomumwe pamutengo wepamberi.
Kamwezve, tarisa zvirongwa nechepamusoro deductible uye coinsurance kune urongwa hwako huripo. Kunyangwe iwe uchida kuva nemari inowanikwa mumwedzi mishoma yekutanga yegore kuti usangane nemitengo yako itsva, unenge uine wiggle room mubhadharo yako sezvo iwe uchange uchibhadhara zviduku mumashandiro emwedzi pamwedzi.
Mutengi Chenjerera
Kana iwe uine chirwere chekurapa chinoda kuchengetwa kwakanyanya kunowanzoitika, zvakakosha kuterera kune zvakananga - kunze kwekutanga uye kugovana-kugovana-kwezvirongwa zvaunofunga. Iwe unoda kuve nechokwadi chokuti hurongwa hutsva hunopa mutevedzeri wenyika unosanganisira vanachiremba vako, kana kuti iwe unenge wakanaka nekutsvaga kune vanachiremba vari purogiramu yehutano.
Uye ramba uchifunga kuti chirongwa chimwe nechimwe chinotakura mishonga yakasiyana-siyana yemishonga. Iro rakagadzirwa nemishonga pakurongwa rine chirongwa chinonzi formulary , uye formularies inosiyana kubva pane imwe chirongwa ichienda pane imwe. Kana iwe uchinyoresa muchirongwa chisingabatanidzi mishonga yako mu formulary yako, iwe unofanirwa kushandura zvinodhaka kana mishonga kana kubhadhara mari yose kunze kwehomwe. Nemhaka yokuti mari yako yehutano yepamusoro yakakwirira kwazvo, zvakakosha kuti unyatsoongorora chirongwa chitsva chehutano hwekubatsira usati wachinja.
Iko Inogadziriswa Care Care Act Inobatsira neMari
Iko kusingakwanisi Kuchengetedza Mutemo zvakare yakagadzira hutano hwehutano inshuwarheni kubatsira kubatsira kudarika kwekunze kwehomwe yevanhu vakakodzera vane mari shoma (kusvika kusvika 250 muzana yehurombo huri). Iwe unofanirwa kuverenga pamusoro pokuti sei rubatsiro rwekubhadhara runoderedza purogiramu yako yepamusoro .
Usati Wachinja Zvirongwa
- Iva nechokwadi chokuti uchava nemari yakakwana inowanikwa pakutanga kwegadziro-gore kubhadhara mari yepamusoro yepamusoro yekutanga sekuderedza uye kubhadhara mari isati yasvika iwe usati watarisana nemiganhu yekunze kwekugadzirisa uye wotanga kukohwa mari. Funga Nekushanda Kwekutsvaga Maaka Account kana wako waunoshandira achipa imwe, kana Aalth Savings Account kana iwe ukanyoresa kurongwa hwehutano huri HSA-hunofanirwa.
- Kana kuomerera kune chiremba wako iye zvino kuchikosha kwauri, iva nechokwadi chokuti ari mu-network neurongwa hwehutano hwaunofunga.