Nzira Yokuda Kusununguka kana Inotengesa Mari Yveshuwarenzi

Kana iwe uri mutsva kune inshuwarhu yehutano inshuwarheni muUnited States, uchawana kuti inodhura. Asi mari haisi iyo bedzi dambudziko revatangadzi vanoedza kuwana inshuwalhu yehutano. Iyo yakaomawo hurongwa hwakawanda nehuwandu hwekupinda. Sezvo iwe unogona kuwana hutano hwehutano kubva kune dzimwe nzvimbo dzakasiyana-siyana, somuenzaniso, hurumende, kubva kubasa rako kana yunivhesiti, kana kubva kune imwe yekambani yveshuwarisi, haisi nguva dzose yaunofanira kutanga kutarisa apo unotenga inshuwarhu yehutengo shoma.

Usati wataura nezvekusarudza kwako kwehushuwarisi hwehutano husingabhadhari kana huri pasi, kunzwisisa chinhu chimwe: inshuwarisi yehutano haisati yakasununguka uye inowanzoshaya mari yakaderera. Inishuwarenzi yehutano iyo yakasununguka kana yakaderedzwa kune iwe inoreva chimwe chezvinhu zviviri

• Mumwe munhu ari kutsigira miriyamu yemwedzi kuitira kuti iwe usabhadhara zvizere iwe pachako.

• Zvikomborero zvakaderedzwa kuitira kuti kugoverwa kwauri kutenga hakusi utano hwehutano hwehutano; kushandiswa kwakanyanya kwakasimba.

Zvadaro, uchawana nzira dzakasiyana-siyana dzehutano hwehutano husingabhadhari kana husingadhuri, pamwe nekutsanangurwa kwaani akakodzera, maitiro ekushandisa, uye chii chaunotarisira.

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Kusununguka kana Kuderera Kunoita Utano Inishuwarenzi Option 1: Medicaid

Medicaid chirongwa chehupfumi hwehupfumi hunopa hurumende yakazara -yehutano inshuwarheni kune vanhu vane mari shoma. Medicaid ishuwarhu yehutano yehutano kune avo vanofanirwa. Mune zviitiko zvakawanda, hapana mahora ekubhadhara pamwedzi, uye hapana kana kana kudhura-kugovana-kugovana nenzira yezvakabhadharwa kana zvikwereti.

Medicaid inoshanda zvakasiyana zvakasiyana muhurumende imwe neimwe, asi kuti ive yakakodzera, unofanirwa kusangana nemitemo ine mari shoma. Munyika dzakawanda, iwe uchafanirwa neMedicaid kana yako inowana 138% yehurumende yehurumende yepamusoro kana pasi. Zvisinei, vamwe vanoti vane kodzero yakasimba yekugadziriswa. Mune dzimwe nyika, iwe unofanirwa kusangana nemitemo yakasununguka uye ugova nhengo yeboka revanhu vanotambura sezvakaita mukadzi ane pamuviri, munhu akwegura, mapofu, akaremara, kana mwana.

Medicaid inogona kuwanika kune vanoenda kune dzimwe nyika vanogara zviri mumutemo muUnited States kwemakore mashanu kana kupfuura kana vachikwanisa kugadziriswa. Medicaid haigoni kuwanika kune vasina kunyorwa vanobva kune dzimwe nyika, kunyange zvazvo kungave kune zvimwe zvakadai sekupfupi kwenguva pfupi Medicaid kuparidzirwa mumamiriro ezvinhu anonetsa, nekugoverwa kwekukurumidza kwevakadzi vane pamuviri.

Medicaid inobhadharwa nehurumende nehurumende mitero. Kana ukawana Medicaid, shamwari dzako, vavakidzani, uye vagari vemo vanobhadhara hutano hwako nemutero wavo wemitero. Kunyange zvazvo Medicaid ishuwarisi yehutano yehutano, huwandu hwakawanda hwekutarisirwa hupi hupi hwakapiwa kuMedicaid vanogamuchira hunogoverwa nemabhizimisi ega ega uye vatano vezvoutano. Kana ukawana Medicaid, iwe unogona kutarisirwa pane zvipatara zvakafanana uye navanachiremba vakafanana sevakidzani vako vane hutano hwehutano.

Iwe unogona kushanda kuMedicaid kuburikidza neHomes Affordable Care Act yehutano kushandiswa kwehushuwarani kana nekukurukura yako state Medicaid program zvakananga.

• Maonero aMedicaid
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Kusununguka kana Kuderera Kunoita Utano Inishuwarenzi Ipo 2: Inishuwarenzi Yemazuva Ekupedzisira Utano

Nguva shomanana yehutano inshuwalhu inowanzopa mari shoma kudarika hutano hwehutano inshuwarisi Nokuda kwechikonzero ichi, chinhu chakanaka kune vamwe vanhu vachitsvaga kuvhara kwenguva pfupi. Zvirongwa zvenguva pfupi zvinowanikwa kwemwedzi mitanhatu yekuvhara. Havagoni kuvandudzwa. Mune dzimwe nyika, iwe unogona kutenga imwe mwedzi mitanhatu yemagetsi kwenguva pfupi mushure mekunge wako wokutanga apera, zvichida kukupa gore rimwe chete rekugovera. Mune dzimwe nyika, haubvumirwi kutengesa-kudzoka shure kwenguva pfupi hurongwa hwehutano hwehutano, kuitira kuti iwe ugove wakatarwa kusvika pamwedzi mitanhatu yekuparidzirwa.

Kunyange zvazvo inshuwarano yehutano yemazuva mashomanana inogona kunge iri mari shoma yehutano yveshuwarhu sarudzo, hazvina kunaka kune munhu wose. Chimwe chinhu, hachigutsikane neAntordable Care Act's inoda kuti uve nehutano hwehutano inshuwarheni, naizvozvo hazvizokubatsiri kudzivisa mutero wekubhadhara wekusabvumirwa .

Uyezve, hurongwa hwehutano hwehutano hwehutano hushoma hahufaniri kutevera mitemo yose yeCountordable Care Act. Semuenzaniso, nguva shomanana yehutano inishuwarenzi inogona kuisa kota pamabhadharo, kuvhara iyo inshuria inogona kurasikirwa kana iwe ukave wakanyanya (uye uchikurumidza) uchirwara paunenge wakavharwa. Nguva yemazuva mashoma yveshuwarhu yehutano inshuwarheni haifaniri kuvhara zvose zvezvinokosha zvehutano. Semuenzaniso, zvingave zvisina kubata kuchengetwa kwekuberekwa kana kuberekwa .

Makambani eInishuwarenzi anogona kuisa vashandi vehushandi hwehutano kwenguva pfupi kuburikidza nekunyora pasi, saka iwe uchapomerwa zvakanyanya kana uine mamiriro ezvinhu akambovapo . Iwe unogona kunyange kutendeuka kuti ugozvivharira zvachose kana inshuwarisi ichifunga kuti iwe uri mukuru zvikuru wekuchengetedza. Zvisinei, kana uri muduku, uine hutano, uye uine pangozi shoma yemitemo inodhura yemu inshuwarisi, inshuwarisi yehutano yemazuva mashomanana inogona kunge inoshamisa kusingabhadhari inshuwalhu yehutano.

Iwe unogona kutenga nguva shomanana yehutano yemishandiro yveshuwarisi yakananga kubva kune imwe kambani yehushuwarhu yehutano, shandisa yako inyanzvi yehushuwarisi, tsvaga mutengesi wehutano wehutano kana mutengesi kuWestern Association of Health Underwriters webusaiti, kana kushandisa sangano rehurumende risina gavhuna kushandiswa kwakafanana ehealthinsurance.com. Kunyange zvakadaro, inshuwarhu yehutano yveshuwarisi haisi kutengeswa pa Affordable Care Act kushandiswa kwehutano hwehutano hwehutano hwakadai saHealthCare.gov.

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Kusununguka kana Kuderera Kunoita Utano Inishuwarenzi Nzira 3: Obamacare Rubatsiro

Iko inogadziriswa Care Act inopa hurumende rubatsiro kunotenga inshuwarhu yehutano isingadhuri kune vanhu vane mari shoma, uye vanobatsira kuita zvose nekushandisa nekushandisa utano hwehutano husingadhuri kune vanhu vane mari shoma.

Kana iwe uine mari pakati pe100% uye 400% yehurumende yehurumende yehurombo, iwe unogona kukodzera kubhadhara mutero wekubhadhara mutero wechikwereti . Kana iwe uchigamuchira rubatsiro urwu, hurumende inobhadhara chikamu chemishonga yako yehutano yemwedzi wehutano yehutano, uye iwe unobhadhara zvimwe zvacho.

Kana mari yako iri pakati pe100% uye 250% yehurumende yehurumende yehurombo, haugoni kuwana rubatsiro rwehurumende kubhadhara inshuwarhu yehutano, iwe unogona kuwana humwe hurumende rubatsiro kubhadhara mari yako yakabviswa, copays, uye coinsurance paunoshandisa utano hwehutano hwako. Izvi zvinozivikanwa sebhadharo yekugoverana kuderedza mari .

Izvi zvinogona kushandiswa chete kutenga inshuwarisi yehutano yeObamacare inotengeswa paAne Affordable Care Act yehutano hwekutengesa inshuwarheni, inozivikanwawo seMusika. Havagoni kushandiswa kubatsira kubhadhara inshuwarhu yehutano kuburikidza nebasa rako kana urongwa hwehutano hwakatengwa kubva kuMusika. Obamacare rubatsiro hahuwaniki kune vasina kunyorwa vanobva kune dzimwe nyika. Zvisinei, vazhinji vari pamutemo-vanogara kune dzimwe nyika vanogona kushandisa. Dzidza zvakawanda pamusoro pevakabva kune dzimwe nyika uye Obamacare kubva kuHealthCare.gov pano.

Kana iwe uri mutemo unogara, iwe unogona kushanda kwehutano hwehutano inshuwarheni uye unyoresa muurongwa hwehutano hwehutano hwehutano hwehutano hunoshandiswa nehurumende yako kana nehurumende yehurumende. Tsvaga hutano hwehutano hwehutano hwako huchishandisa shanduro iyi.

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Kusununguka kana Kuderera Kwemutano Inishuwarenzi Iko 4: Job-Based Health Health Plan

Vashandi vakawanda muUnited States vanotsigira inshuwalhu yehutano yevashandi vavo uye mhuri dzavo dzevashandi sechikamu chekubatsira kwebashandi uye kubhadhara mari. Izvi zvakajairika kune vashandi venguva yakazara vemakambani makuru. Hazvisi zvakanyanya kune vashandi venguva yakazara kana kune vashandi vemabhizimisi maduku.

Heino nzira iyo inoshanda. Paunowana basa rinouya nehutano inshuwalhu dzinobatsira, iwe une nguva shoma yekunyora kune inshuwarhu yehutano iwe waunoshandira. Kana iwe usingaregi kusati yatarisira, iwe unofanira kumirira kusvikira gore rinotevera rekunyora kuzarura .

Washandi wako angapa chirongwa chimwe chete chehutano, kana kuti inogona kupa mikana yakawanda kubva pane yaunosarudza. Kana ukangopinda muurongwa hwehutano hwakabhadharwa nekambani, pane nguva pfupi yekumirira usati watanga kuvhara. Izvi zvinowanzobva mumazuva 30-90.

Paunenge uine bhizinesi yehutano inshuwarani, iwe waunoshandira anowanzobhadhara chikamu chemariyamisiro emwedzi uye iwe unobhadhara chikamu chemariyamisiro emwedzi. Chikamu chako chemishandirapamu yacho yakabviswa kubva pamari yako yega-oga saka haufaniri kuyeuka kubhadhara mwedzi mumwe nomumwe. Muzviitiko zvakawanda, kubviswa kwebhadharo iyi kunotorwa kubva mubhadharo yako mari yako isati yawanikwa; nenzira iyi, hauri kubhadhara mitero yemari pamari yawakashandisa pamishonga yehutano yemishuwarenzi.

Kusiyana neurongwa hweUbamacare, nebasa-based health health inshuwarisi, wako waunoshandira haawanzokubatsira iwe kubhadhara mari-kugovana mari zvakadai sekudzvora , copays uye coinsurance . Zvisinei, vashandi vanogona kupa zvirongwa zvekuchengetedza seFlexible Spending Accounts , Maintenance Health Savings , kana Kuronga Kwekubhadhara Kweutano kubatsira kubatsira kubhadhara mari iyi zviri nyore.

Muzviitiko zvakawanda, paunorega kana kurasikirwa nebasa rako , iwe unorasikirwa nebasa rako-based health assurance inshumo. Zvisinei, iwe unogona kukodzero yekuenderera mberi nekugoverwa kwemwedzi gumi nemasere kuburikidza nekuenderera mberi kweCOBRA kana iwe uchida kubhadhara zvose zviri mugove wepurayamisi uye chikamu chemishandirapamwe iyo waishandira iwe.

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Kusununguka kana Kuderera Kwemishonga Inishuwarenzi Icho Chinhu Chechipiri: Utano Hwomukadzi Wemudzimai

Kana wawakaroorana naye ane basa-based health insurance, iwe unogona kunge uchikodzera kugoverwa kwakafanana. Vashandirwi vazhinji vanowedzera kupiwa kwehutano hwehutano hwehutano kune vakaroorana vevashandi vavo, vana, uye nhanho-vana. Iwe unofanirwa kuina chikamu chechipiri ichi panguva yekunyora kwokutanga apo wako wako anotanga kutanga basa rake. Kana ukarasa mukana uyu, uchava nemumwe mukana panguva yekubhabhatidzwa kwegore negore.

Kana wawakaroorana naye wako achipa urongwa hwehutano hwekambani kwauri nevana vako, hausi wemhosva yekuigamuchira. Kana iwe ukagona kuwana tsvaga iri nani pane utano hwehutano inshumo iwe nevana, zvakanaka kuti wawakaroorana naye aise benzi wako chete, iwe iwe nevana muchida zvimwe zviitiko.

Kunyange zvazvo vashandi vanowanzopa rubatsiro rwehushandi hwehutano hwehutano hwakakosha kuburikidza nokubhadhara chikamu chemariyamisiro emwedzi, mushandi haagoni kupa rubatsiro rwekuroorana kana mhuri. Kana muvakidzani wako akakupa inshuwarano yehutano kumhuri yake, chikamu chako chemishandirapamu chichaderedzwa kubva pamubhadharo wemumwe wako.

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Kusununguka kana Kuderera Kwemutano Inishuwarenzi Nharo 6: Utano Hwevabereki

Kana uri pasi pemakore makumi maviri nemapfumbamwe uye mubereki wako ane basa-based health inshuwarisi, Obamacare, kana iwe pachako-wakatenga inshuwarisi yehutano yakakwana, iwe unokodzera kugoverwa pasi peurongwa hwehutano hwomubereki wako kunyange iwe hausi mutero wemubereki wako , iwe wakaroorana, kana iwe uri kugara uri wega.

Iwe unogona kunge wakamirira kusvika nguva inotevera yokunyora yakasununguka neurongwa hwehutano hwomubereki wako kuwedzerwa kumutano wemubereki wehutano inshumo. Zvisinei, kana iwe uchangobva kurasika humwe hutano hwehutano hwehutano hwehutano, iwe unogona kukwanisa kunyora kunyange usati wasvika pakunyoresa kana uchingosangana nezvirongwa zvehutano zvekunyora nguva yakakosha .

Vamwe vashandi vanosimbisa kwete vashandi vavo vehutano inshuwarheni chete asiwo hutano hwehutano hwehutano hwevashandi vemhuri. Vamwe vashandi vanobhadhara chikamu chevashandi vavo vehutano yemishonga yehutano asi havakatsigiri miriyamisi yemhuri.

Kana mubereki wako ane basa-based health inshuwarisi uye uyo waanoshandira achipa mari yemishonga yemhuri, zvikwereti zvemishonga yehutano yehutano ichabhadharwa chikamu nemushandi wevabereki vako. Zvose zvinotora mwedzi wemwedzi unozobviswa pamubhadharo wemubereki wako. Kana mubereki wako asingashandisi kubhadhara mhuri, purogiramu yako yose yepamwedzi ichaderedzwa kubva mubhadharo yemubereki wako.

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