Uri kuwana dambudziko rokupa inshuwarisi yehutano here? Hausi wega.
Inishuwarenzi yehutano inogona kunge inodhura zvokuti vanhu vakawanda vanochera uye vari pakati havagoni kutenga iyo pasina rubatsiro. Asi, kana iwe usina hutano inshuwarheni, unofanirwa kuripa chikwereti . Saka, iwe unoitei kana iwe uchifanira kutenga inshuwarhu yehutano asi iwe haugoni kutenga? Nenzira, kune rubatsiro runowanikwa.
Inotengeswa Care Care Act yakasika hurumende rubatsiro kuti vabatsire vanhu vakaderera uye vari pakati-kati vanobhadhara inshuwarhu yehutano. Izvi zvinotsigira kubhadhara mari yemishonga yemishonga yemishonga yehutano yepamwedzi, pamwe chete nemari yakafanana nekubhadharisa , kubhadharwa , uye kubhadharwa kana uine hutano hwehutano.
Ndechipi Chekubhadharwa Kwemari? Ndingawana Here?
Pane zvirongwa zvitatu zvakasiyana zvevanhu vanoda rubatsiro kubhadhara utano hwehutano.
- Medicaid: Purogiramu yekutanga, kana iwe uine mari shoma kwazvo, inyoresa ku Medicaid . Kazhinji kacho, Medicaid inopiwa pachena kune avo vanofanirwa. Kukodzera kunoparadzaniswa kubva kune imwe nyika kuenda kune imwe nyika, saka iwe haugoni kuziva zvechokwadi kana iwe unokodzera kusvika wapedza. Munyika dzakawanda, mitemo yeMedicaid kukodzera yakashandurwa neAACA, saka kunyange kana iwe wakashandisa kare uye wakashandurwa, unofanira kushandazve kuburikidza nehutano hwehutano hwehutano hwehutano . (Iwe uchadzidza zvakawanda pamusoro peizvi gare gare.) Pano ndiyo inowanikwa mitsva yakakosha yeMedicaid uye CHIP kukodzera, nehurumende.
- Premium Revenue Credits: Chirongwa chechipiri, kana iwe uine mari shoma kana mari yakaenzana (kusvika panguva inenge urombo uhu), unopa chikamu chemishonga yako yemainishuwarenzi yehutano yepamwedzi . Zvakafanana nokuwana kuderedzwa pamutengo wehutano inshuwarisi nokuti rubatsiro runopa chikamu chemari yako. Iyi mari yebhasiro inotumirwa kubva kune hurumende zvakananga kune imwe yekambani yehutano inshuwarani panzvimbo yako-iwe haumboiti kuwana mari iwe pachako. Kunyange zvazvo izvi zvichiita inshuwarano yehutano yakawanda zvikuru, zvisingaenzaniswi neChirongwa cheMedicaid pamusoro apa, iwe uchave uchiripo kubhadhara chimwe chinhu kune mari yehutano hwako humwe mwedzi (chinyorwa chekuti dzimwe nyika dzinotora zvimiridzo zviduku zveMedicaid zvinyoresa mari pane urombo level). Zvikwereti zvepamusoro zvemitero zvakabva pakuchengetedza mari inotevera-rubatsiro rwechipiri-pasi-yakawanda-ine mari yegoridhe hurongwa huripo, asi inogona kushandiswa kune chero hurongwa hwehuta hwezinga.
- Kurasikirwa Kwekugoverana Kugoverana: Kune avo vane mari shoma kana mari dzisina mwero, purogiramu yechitatu inoderedza mari yako yekutengesa mari yakadai sekudzvora , copays uye coinsurance kana ukashandisa utano hwehutano uhu (izvi zvinowanikwa kune vanhu vanowana kusvika kusvika 2.5 nguva urombo level). Semuenzaniso, kana iwe wakatenga hutano hwehutano inshumo iyo ingada kuti iwe ubhadhara $ 50 copay nguva dzose paunoona chiremba, mari yako yekugovera rubatsiro inogona kuderedza iyo inobhadhara $ 30 nguva dzose paunoshanyira chiremba. Purogiramu yakaderera-kugoverana-purogiramu inogadzirisawo kunze kwe-pocket yepamusoro iwe uchabhadhara kana iwe wapedzisa kushandisa yako yehutano inshuwarisi yakawanda. Kubva sezvo kambani yeinishuwarensi inobhadhara chikamu chikuru chekuchengetedza kwehutano hwako, kubhadhara mari yekubhadhara mari kwakafanana nekuwana kusununguka kusununguka kwehutano hwehutano. Kugovana-kubhadhara mari inowanikwa chete pazvirongwa zvesirivha, uye zvinowanzobatanidzwa mune zvese zviripo zvesirivha zvirongwa kana mari yako inokuita kuti uwane kodzero. Kune avo vasingabvumirwi, zvirongwa zvinosanganisira kugovana-kubhadhara mari-soro hazviratidzi pane zviripo .
Vamwe vanhu vanowana mari shoma vanowana rubatsiro kubva kumabhadharo emari ekubhadhara mutero wechikwereti uye kuderedzwa kwemari yekugovera rubatsiro panguva imwe chete. Vanhu vanofanirwa kubhadhara mari yekugovana-mari inenge nguva dzose vanogonawo kukodzera kubhadhara mari yepamusoro. Asi havasi vose vanofanirwa kubhadharwa mari yepamusoro-soro vanokodzera kubhadhara mari yekubhadhara mari.
Ndinowana Sei Rubatsiro Kubhadhara Utano Woutano?
Iwe unogona kushanda nokuda kwehutano hwehutano inshuwarisi, pamwe chete neMedicaid, kuburikidza nehutano hwehutano hwehutano. Paunenge uchitsvaga inshuwalhu yehutano kuburikidza nehutano hwehutano inshuwarheni, shanduro ichasarudza kana iwe uchikwanisa kubhadhara mutero wechikwereti, kuderedza kugovana mari, kana Medicaid.
Ndichakwanisa Kubhadhara Kubatsiro Kubhadhara Utano Woutano?
Mvumo yehutano hwehutano inshuwarheni inobva pakuenzanisa zvaunowana kune federal paurombo . Urombo hwehurumende hunochinja gore roga roga, uye hunobva pane zvose zvaunowana uye mhuri yako kukura.
Iwe unogona kutarisa FPL yegore iri pano.
Iwe uchakwanisa kubhadhara mutero wekwereti yekwereti kana mari yako inenge iri pakati pezana nezana ne400 muzana yeFPL yegore rapera (negore rapera richienderana negore iro kugoverwa kwako kuchaita basa; vanhu vanokumbira kugovera 2018 vachashandisa FPL 2017 chengetedza rubatsiro rwekubhadhara). Cherechedza kuti muhurumende dzakawedzera Medicaid, muchengeti wezasi wekubhadhara mari inobatsira ndeye 139 muzana yehurombo hwehutano, sezvo vanhu vari pasi pechikwata ichochi vanofanirwa neMedicaid panzvimbo.
Kuti zvikwanise kuwana rubatsiro muna 2018, shandisa maitiro 2017: munhu ane mari yekuwana $ 12,060- $ 48,240, vakaroorana vane mari kubva ku $ 16,240- $ 64,960, uye mhuri yevatatu vanobhadhara kubva $ 20,420- $ 81,680 (asi zvakare, iyo inokodzera kubvumirwa yakakwirira mumatambudziko ose muhurumende akawedzera Medicaid).
Kana iwe uri pedyo nehurombo, humwe huripo huchakubatsira. Iwe uchakwanisa kubhadhara mari yakaderera-kugovera rubatsiro kana iwe ukasarudza chirongwa chesirivha-tier kubva pakutsinhanisa uye mari yako inenge iri pakati pe100 ne 250% yeFPL yegore rapera. Kuti uwane kukwanisa kuderedza mari yekugoverana muna 2018, iwe uchashandisa 2017 FPL mirayiridzo: munhu anowana kubva $ 12,060- $ 30,150, vakaroorana vane mari kubva ku $ 16,240- $ 40 600, uye mhuri yevatatu vanowana $ 20,420- $ 51,050 vaizogona kubatsirwa kubhadhara kubhadhara mari, kubhadharwa uye kubhadhara mari (zvakare, Medicaid inowanikwa kune dzimba dzine mari kusvika ku 138 muzana yehurombo huri muDDC uye nenyaya 31 dzakaparadzira Medicaid; mune dzimwe nyika, rubatsiro rwekubhadhara runotangira apo Medicaid inokodzera kuguma, saka kudzivirira zvikumbaridzo zvekubhadhara rubatsiro kwakakwirira kune iyo nyika).
Chii Chichange Chichikanganiswa Nekuwana Inishuwarenzi yehutano Inotsigira?
Iwe haungakodzeri kubhadhara inshuwarhu yehutano inshuwarheni kana iwe ukwanisa kuwana inshuwarhu yehutano inotengesa nedzimwe nzira. Somuenzaniso, kana iwe ukwanisa kuwana inshuwarhu yehutano inotengesa kuburikidza nebasa rako, asi iwe unoda kuva nehutano hwehutano hwakatengwa kuburikidza nehutano hwehutano inshuwarheni, haugoni kukodzera rubatsiro.
Mutemo unoita zvisarudzo pamusoro peizvi kana inshuwalhu yehutano inoshandiswa nemuhanzvadzi yako iine lousy, kana kana kuvhara kusingakwanisi. Munyaya iyi, iyo Affordable Care Act inotsanangura "zvigone" sekushuwarhu yehutano iyo inokubhadhara iwe kudarika 9.56% yemari yako muna 2018 (chinyorwa ichi chinoverengerwa chinongowanikwa chete nemari yevashandi yekuzvipira-oga, mari yekuwedzera mhuri nhengo haisi kutorwa mukufungisisa, izvo zvinoguma mumhuri inobwinya ). Uye kana hutano hwehutano hunowanika kuburikidza nebasa rako hahupi huri huwandu hunokosha, mune mamwe mazwi hahuripo huwandu hwemazana makumi matanhatu emazana ehupfumi hwakavharwa, saka hahuzogutsiri iwe kubva pakuwana rubatsiro chete nokuti huripo.
Zvisinei, kana ukasarudza kunyoresa muhutano-hupi hwehutano hwehutano kunyange zvazvo husingakwanisi kana husingakwanisi kupa huwandu hunokosha, iwe haugoni kukodzera rubatsiro chero bedzi iwe wakanyoresa chirongwa chehutano ichocho. Hurumende haisi kukupa rubatsiro kubhadhara inshuwarhu yehutano kana iwe uine basa-based health health insurance.
Iwe haungakodzeri kubhadhara rubatsiro kana iwe uchikodzera kuhurumende-inotsigirwa nehutano inshuwarheni yakadai sevana Health Insurance Program , Veterans Administration, Medicare kana Medicaid. Cherechedza kuti iwe haufaniri kutonyora muzvirongwa izvi kuti urege kukodzera kubatsirwe; kungova kukodzera kune imwe yezvirongwa izvi zvakakwana kuti iwe usakurega.
Iwe haungakodzeri kubhadhara kana uri mujeri kana kuti iwe hausi kurarama muUnited States zviri pamutemo.
Kana iwe wakaroorana, mamiriro ako ekutsvaga mutero anofanira kunge ari "akaroorana nekunyora pamwe chete" kuitira kuti akwanise kuwana rubatsiro. Iwe haugoni kuwana rubatsiro kana rubatsiro rwako rwekutsvaga "rwakawanikwa ruchiita zvakasiyana," kunze kwekukanganisa kwenyaya dzinosanganisa kushungurudzwa kana kusununguka.
Kunyengera sezvazvinonzwika, haungakodzeri rubatsiro kana mari yako isiri yepo asi 100% yeFPL, kunyange iwe uri mune imwe nyika isina kukura Medicaid (kunze kwekuti iwe uri muchangobva kubuda aripo iyo US pasi pemakore mashanu ). Ndizvozvo; varombo varombo havasi kuwana mari yekubhadhara mitero kana kugoverana mari.
Izvi ndezvokuti vateereri vemitemo vakanyora Mutengo Wakanaka Wechirongwa waida kuti munhu wose anowana kudarika 138% yeFPL awane Medicaid. Zvisinei, Dare Repamusorosoro rakatonga kuti hurumende yehurumende yaisagona kumanikidzira nyika kuti ipe vanhu vose Medicaid. Izvi zvinoreva kuti humwe hurumende inogona kusarudza kana kuti ihwo huchawedzerwa Kufanirwa kweMedicaid kune munhu wese anowana zvishoma kudarika 138% yeFPL, kana kuikwanise kune vanhu chete vanogona kuMedicaid pasi pevakuru, zvishoma.
Kana nyika yako yakasarudza kuti iwedzere chirongwa cheMedicaid uye iwe uri kurarama pasi pehurombo, iwe uri mune izvo zvinonzi Medicaid kuvhara kwepakati (iyo yakanga isiri chikamu cheAACA, uye yakanga isina kumbofungidzirwa kuva nyaya) uye iwe haungakwanisi kubatsirwa kubhadhara utano hwehutano. Pane kudaro, funga kushandiswa kweMutano Wehutano unopa hutano hutano husinei nokuti unokwanisa kubhadhara sei. Tsvaga yaunogara yeChealth Health Centre.
Ndekupi Kwandinogona Kudzidza Zvakawanda?
- Premium tax yekwereti yehutano inshuwarisi yehutano
- Kuderedza mari yekugoverana kuderedza kuderedza kwako, copays, uye coinsurance
- Inotsigira kubhadhara kwako kwepamusoro pehomwe
- Maonero aMedicaid
- Kuwana Medicaid
- Dzidza zvakawanda pamusoro peVanhu veMagariro eZvipatara kune vasina uninsured
> Sources:
> Utano neHuman Services, 2017 Kuverengwa kwakanyatsorodzwa Snapshot . June 12, 2017.
> Utano neHuman Services, Office yeMubatsiri Munyori weGadziriro nekuongorora. Urombo hwehupfumi hwe 2017.
> Internal Revenue Service. Revenue Procedure 2017-36 .
> Medicaid.gov. Medicaid uye CHIP Zvigadziriswa Nhamba. June 2016.