IAACA Inoita Kuti Vanhu Vashandise Zvimwe Zvimwe Zvinogadzirika Kupfuura Zvazvaive Zvichida Kuve
Kana iwe wakarambidzwa kana kana kambani yako iri kupera, unogona kunge uine hanya nezvokurasikirwa newaakaro-mazano, kunyanya inshuwarhu yehutano. Kusina inshuwarisi yehutano kunogona kuva chiitiko chinovhundutsa, kunyanya kana urongwa hwako hwehutano hunopa hutano hwemhuri yako. Uyewo, unogona kunyanya kunetseka kana iwe kana nhengo yemumhuri mune chirwere chisingaperi chinofanira kushanya kazhinji nachiremba wako kana kudikanwa kwemishonga inodhura yemishonga.
Zvakakosha kuedza nekuwana rumwe rudzi rwehutano inshuwarano chirongwa munguva yako yekushaiwa basa. Kana iwe kana nhengo yemumhuri unotsvaka kutarisirwa pasina utano hwehutano inshumo, iwe uchange wakaramba uchibhadhara chikwereti chose. Iwe unogona kunge uchitora mari isingadikanwi yemari nekusava nehutano inshuwarisi. Paunenge uchienda usina inshuwarhu yehutano inshumo inogona kuratidzika mari-inoshanda kana iwe usina kana zvishoma, iwe ungasava! Chikonzero chikuru chinokonzera kukanganisa muUnited States chirwere uye mishonga yemishonga.
Zvakakoshawo kunzwisisa kuti ACA inokonzera chirango chemari kana uine mukana wekugoverwa kwemwedzi inopfuura miviri mugore . Kuti urege kupiwa chirango (kunze kwekuti iwe usingabhadharwi nayo ), unofanirwa kuchengetedza zvishoma zvakakosha kugoverwa. Izvi zvinogona kusanganisira COBRA kana chirongwa chakatengwa mumusika mumwe nomumwe (kana kuti pane kushandiswa-kushandiswa ), asi hauna kusanganisira yemazuva mashoma inshuwarhu yehutano .
Nenzira yakanaka, kana iwe ukapiwa pfuti yepiniki, une zvimwe zvingasarudzwa zvekugara uine inshuwarisi kwechinguva chekutsvaga kupera kwako.
Waroorana naye kana Mudiwa Health Insurance
Kuwana inshuwarano yehutano kuburikidza nemumwe wako (kana weimba yevashandi) inogona kunge iri yako yakawanda-inoshandiswa. Vakawanda vanoshandira inshuwarano yehutano inshuwarano vanobvumira vashandi vavo kuwedzera nhengo dzemhuri dzave dzarambidzwa - muwani wako anogona kukuwedzera iwe / chirongwa chake.
Kana basa rako rakapa inshurense yehutano yemhuri yose, wako wako anogona kutanga kuparidzira mhuri, nokuti kurasikirwa kwekugoverwa ndicho chiitiko chinofanirwa chinokonzera nguva yakanyoresa , pasinei kana ichiitika mugore.
Kana iwe ukakwanisa kushandisa utano hwehutano wehutano hwako , iva nechokwadi chokuti unoshanda mukati memazuva makumi matatu ekurasikirwa nehuwandu hwekugovera-vamwe vashandisi-vanorayirwa hupenyu hwehutano hurongwa hwavo vangarega kugamuchira kunyora kwako kana iwe ukamirira kwemazuva makumi matatu.
COBRA
Kana waimbova mushandirwi ako ane vashandi makumi maviri kana kupfuura, kambani inotarisirwa nemutemo wekutonga muna 1986 kuti ikupe iwe sarudzo yekubhadhara kuwedzerwa kwehutano hwehutano hwehutano kwemwedzi gumi nemasere. Uyu mutemo unozivikanwa seCOBRA, unomiririra Consolidated Omnibus Budget Reconciliation Act .
Panguva yawakarambidzwa, mushandirwi wako anofanira kukuudza nekunyora pamusoro pekodzero dzako pasi peCOBRA. Iwe zvino une mazuva makumi matanhatu kubva pazuva rekuzivisa kana musi wako inshuwarisi yehutano yakaguma kunyoresa kana kusainira kugoverwa pasi peCOBRA. Kana kambani yako yakabuda kunze kwebhizimisi kana yakashata, COBRA haigoni kuwanikwa.
Apo iwe unyoresa kuCOBRA, iwe ucharamba uine inshurensi yehutano yakafanana yawaive nayo pawakashanda.
Zvisinei, iwe unofanirwa kubhadhara premium yehutano yehutano iyo yako yekare yaakashandira yaibhadhara iwe, kuwedzera pamariyamisi iwe waimbove uchibhadhara kuburikidza nebhadharo rakabviswa. Mushandi anogonawo kuwedzera 2% yekubhadhara mari.
Zvichienderana nemamiriro ako ega, COBRA inogona kudhura. Vashandi havawanzoziva kuti vashandirwi vavo vanozvipira zvakadini pavanotora mari yemarikiti. Maererano ne2016 Kaiser Family Foundation kuongororwa , muvhareji anoshandira anopa hutano huripo huripo huripa chikamu chikamu chikamu chikamu chezana chemari yemari yemishonga yemishuwarenzi yehutano hwehutano hwehutano, uye 82 muzana yemari yekubhadhara mari yevashandi vasina kuroorwa.
Kushandura kuCOBRA kunoreva kuti iwe uri mutoro wemari yakazara iwe pachako. Zvikomborero zvese, kusanganisira chikamu chakabhadharwa nevashandi nevashandi, chikamu chemadhora gumi nematanhatu nemakumi mapfumbamwe nemakumi mapfumbamwe nematanhatu muna 2016 pamhuri yekuvhara mhuri, uye $ 6 435 nokuda kwekugoverana chete.
Ndiyo mari yakawanda uye zvichida kupfuura zvaunotarisira kubhadhara, kunyanya kana iwe wakarasikirwa nemari yako uye uri kuunganidza inshurensi yehurombo. Kune vamwe vashandi, kubhadhara kweCOBRA kunogona kuwedzera kune makumi matanhatu kusvika ku70 muzana yehutachiwana hwemwedzi hwekushaya mabasa. Vashandi vakawanda vakagadziriswa vanofanirwa kuramba vachienderera mberi nehutano hwavo hwehutano neCOBRA havagone kuita kudaro.
Kana iwe usingakwanisi kutenga COBRA, panogona kunge kune dzimwe sarudzo dzehushuwarano yehutano huchapa hutano hwehutano hunodikanwa iwe iwe nemhuri yako. Izvi zvinonyanya kuitika ikozvino kuti ACA yakashandura hutano hwehutano inshuwarheni.
COBRA inotungamirirwa neUnited States of Labor. Dhipatimendi reDhipatimendi rine mazita emibvunzo inowanzobvunzwa pamusoro peCOBRA. Iwewo unogona kudana 866-444-3272 kuti uwane ruzivo kana rubatsiro.
Cherechedza: COBRA haina kuchinja pamwe nekutenderera kweExpordable Care Act
Private Health Insurance: Kuwana Mazano, Tanga ne Exchange muNyika Yako
Iwe unogona kutenga inshuwarhu yehutano kuburikidza nekushandura munharaunda yako (chinyorwa kuti iyi ndiyo nzvimbo bedzi apo rubatsiro rwepayimusi uye kubhadhara mari dzinowanikwa mari dzinowanikwa), zvakananga kubva kune kambani yehutano yveshuwarisi, yakadai seBlue Cross, kana kuburikidza nemushuwarenzi mutengesi anomiririra multiple inshuwarisi makambani.
Iwe unofanirwa kutarisana nekubvumirana neinishuwarenzi yechipatimendi broker uyo angakwanisa kukubatsira iwe kuwana hurongwa hwehutano hwehutano husingadhuri kupfuura COBRA uye uchiri kukwanisa zvaunoda. Iwe unoda kuve nechokwadi chokuti mutengesi wacho ane mvumo nekutengeserana muhurumende yako, kuitira kuti anogona kukubatsira kunyora kuburikidza nekushandirana kana mari yako inogona kuita kuti iwe uwane rubatsiro rwekubhadhara mari yekutora kwako, uye zvichida yako kunze kwehomwe mari.
Iwe unogona kuenzanisa zviri nyore premiums uye hutano hunobatsira paIndaneti, kunyanya kana iwe uchishandura webhusaiti yekushandura (kutanga pa HealthCare.gov, uye ichakutungamirira kune imwe nzvimbo inoshanda kana nyika yako inotora chikwangwani chekunyora chikwata). Utano hwehutano hwekambani inopesana nemhando yehutano hwehutano hwavanopa uye nekutenga zvakapoteredza iwe unogona kuchengetedza mari. Semuyenzaniso:
- John Skillset, ane makore makumi matatu nemasere, akaiswa pasi kubva panzvimbo yepamusoro yevatungamiri pane imwe bhadha yemari. Mhuri yake inopararira kuburikidza neCOBRA iri $ 1450 pamwedzi. Akakwanisa kugadzirisa zvakakwana mhuri yake kubva kune-kwete-profit-inshurensi kambani ye $ 785 pamwedzi. Kunyange zvazvo chirongwa ichi chinoda kuti abhadhara mari yekutanga $ 3000 yemari yezvokurapa (iyo deductible), mhuri yake ine utano uye yakatora mari shoma munguva dzekare.
- Jenny Techwhiz, ane makore makumi maviri nemaviri, akaiswa panze panguva yekuderedzwa kwekambani yekombiyuta software. Kuzvipira kwake kuburikidza neCOBRA kune $ 390 pamwedzi. Akakwanisa kuwana chirongwa chakakosha kubva kuBlue Cross kuvanhu vane makore 18-26 kune $ 280 pamwedzi.
Obamacare Uyewo Kwakapedzisira Kunyoresa Zvipingamupinyi Zvevanhu vane Mamiriro Ekufanovapo
Murwere Anodzivirirwa uye Anotengeswa Nezvokuchengetedza Mutemo (ACA) akachinja mamiriro ezvinhu maererano nekuwana kune humwe hutano hwehutano inshumo. Musati gore ra2014, mutengo wehutano hwehutano (mararamiro aunozvitenga iwe, kunze kwekuwana kubva kune waunoshandira) akanga ari kunyorwa pasi mune zvematongerwo enyika. Izvi zvaireva kuti vanhu vane mamiriro ezvinhu akambovapo akambobhadhara zvikwereti zvakakwirira, vakaramba kubhadharwa zvachose, kana kuti vakaronga zvirongwa izvo zvisingabatanidzi mamiriro avo akambovapo.
Kune vanhu vakaiswa kunze uye vaiva nemamiriro ezvinhu akambovapo, izvi kazhinji zvaireva kuti COBRA ndiyo chete yechokwadi yakasarudzwa, pasinei nemutengo wepamusoro.
Asi kutanga muna 2014, inshuwarhu yehutano yega yehu huga huse yakave yakavimbiswa-nyaya; bhizimisi havasisiri kubvumirwa kupa mutemo chero upi zvake huripo huripo . Kunyoresa iko zvino kwakagadzikana nenzira imwechete iyo inogumira kumagadziro anotsigirwa nevashandirwi. Vanhu vanogona kunyoresa kugoverwa mumusika mumwechete mukuwa (November 1 kusvika December 15 ndiyo purogiramu ichazotevera inotangira pakuwa kwe 2017 nekuenderera mberi), nokuda kwekushandiswa kunoitwa munaJanuary anotevera. Kana kuti vanogona kunyoresa chero nguva mukati megore kana vakawana chiitiko chakakodzera chinoita kuti pave nenguva yekunyora inokosha .
Kurasikirwa kweurongwa hunoshandiswa nevashandirwi kunofungidzirwa sechiitiko chakakodzera, kunyange kana iwe uchikwanisa kuenda kuCOBRA. Iwe unogona kuderedza COBRA uye kunyoresa pane imwe purogiramu yemakethe (pane kana kuti kurega-kushandiswa, asi uchichengeta mupfungwa kuti rubatsiro kuti ruite kuti ruwedzereke ruwanika chete pakutsinhanisa), asi iwe unofanira kuzviita mukati mememazuva makumi matanhatu ekurasikirwa nemushandi wako anotsigirwa ronga. Kana iwe ukamirira kwenguva yakareba kupfuura iyo, nguva yako yokunyora yakakwana ichapera, uye iwe unofanira kutarisira kusvika panguva inotevera yekunyora.
Nenguva Yemazuva Ekurapa Inishuwarenzi Inoshandiswa: Inokwana kusvika 3 Mwedzi
Nguva shomanana yehutano inshuwarisi yemitemo, inozivikanwawo segap inshuwarisi kana inshuwarisi yenguva pfupi, yakagadzirirwa kukupa imwe yehutano hwehutano hwehutano kwenguva shoma. Kubva munaApril 2017, zvirongwa zvenguva pfupi hazvikwanise kuva nekureba kwemazuva anopfuura 90. Zvakawanda zvezvirongwa izvi zvine chokuita nekukurumidza kwehutano-huno, kusanganisira kugara kwechipatara, nemishonga yekurapa kwakanyanya.
Kunyange zvazvo zvirongwa izvi zvingave zvisingabatsiri kudarika hutano hwehutano inshuwarheni, vane zvikamu zvakakosha zvinokonzera, kusanganisira pasina kugoverwa kwemamiriro ezvinhu akambovapo uye kuchengetwa kwehutano nguva dzose, uye kubhadhara zvakakwirira uye kunze kwemari . Panewo chivimbo chokuti iwe unogona kuvandudza chirongwa mushure mekunge uchitanga nguva yekuvhara.
Sangano rehutano hwehutano hwehutano rinogona kunge rakakodzera iwe kana uine mararamiro anorarama, usina hutano huripo, uye unotarisira kubhadharwa kana kukwanisa kutenga inshuwarisi yehutano nguva dzose musati wapera nguva yekuvhara kwenguva pfupi.
Cherechedza kuti hurongwa hwenguva pfupi hauna kufungidzirwa hukuru hunokosha huri pasi pe ACA. Izvi zvinoreva kuti kana iwe uchitarisira purogiramu yenguva pfupi kwemwedzi inopfuura miviri, iwe uchatungamirirwa nehana yeAACA yemvumo yega , kunze kwekuti iwe usina kukodzera kubhadhara kubva pane chirango.
Zvidhura-kana Zvisarudzo Zvisingabhadharwi: Kuwedzerwa kweMedicaid Kunoita Kuti Pave Nokuwedzera Inogoneka
Kana mari yako inoderera zvakanyanya uye iwe haugoni kutenga inshuwarano yehutano, iwe unogona kukodzera kune imwe nzvimbo, yehurumende, kana yehurumende purogiramu.
Pasi peAACA, nyika inogona kukurudzira Medicaid kukodzera kusvika 138 kubva muzana yehurombo huri (anenge $ 28,000 kune mhuri yevatatu muna 2017). Kana mari yako yakaderera pasi peyero iyi semugumisiro wekurasikirwa nebasa rako, unogona kunge wakakodzera kuMedicaid, zvichienderana neunogara. Iko kune dzimwe nyika 19 dzisina kuwedzera Medicaid, uye mune 18 yeiyo nyika, kune "kuparadzanisa" kwevanhu vane mari iri pasi peurombo hwehutano.
Kana iwe usingakwanisi kukodzera kuMedicaid uye usingakwanisi kuwana mari yekushandura kunyange nemari inowanika, nzvimbo yakanaka kutanga kutarisa ruzivo ndiyo webhusaiti yeShealth for Health Coverage Education. Iri sangano-risina kubatsirana rinopa zvishandiso zvinoshandiswa kukubatsira kuti uwane inshuwarheni yehutano yakakwana kana zvimwe zvingasarudzwa munzvimbo yako. Nzvimbo iyi inopawo unhu hweUnitedured Hot Line (800-234-1317) iyo inobvumira kuti utaure kune munhu anorarama chero nguva-maawa makumi maviri nemazuva, mazuva manomwe pavhiki.
Kana iwe usina hutano hwehutano inshuwarheni, pane nzvimbo dzaunogona kuenda kune kutora mari shoma kana kutarisirwa pasina. Izvi zvinosanganisira:
- Inishuwarenzi yevana: Kana mhuri yako yawana mari iri pasi peimwe nhanho, vana vako (pasi pemakore 19) vanogona kunge vakakodzera rusununguko rwehutano hwehutano husingabhadhari kana huri pasi. Iyi mitemo, yakapiwa nehurumende yehurumende nehurumende yako, inobata mabasa ose ehutano ehutano evanhu kusanganisira mazino uye maonero ekutarisira . Chikamu chevana chinowanikwa kunyange mumatunhu gumi nematanhatu umo pane kuvhara kweMedicaid kwevanhu vakuru. Kuti uwane ruzivo, taura neDhipatimendi reHurumende rako kana Dhipatimendi revana neveMhuri. Iwe unogona kudzidza zvakawanda pamusoro pehutano hwehutano inshuwarheni uye uwane purogiramu yako yehurumende paIndureKidsNow!
- Community Health Centers: Inotungamirirwa nehurumende yehurumende, masangano ehutano emunharaunda anogona kuwanika munzvimbo dzakawanda dzenyika. Aya makiriniki anopa kutarisira kune vanhu vasina inshuwalhu yehutano uye vane shanho dzemari dzinotsvaga zvichienderana nemari. Vakawanda vemakiriniki aya vane mazano ekupa mazano kubatsira vanhu kuwana hutano hwehutano kana kuchengetedza mari shoma. Wana chiremba wehutano munharaunda yako.
- Zvipatara Zvitsva : Makiriniki aya, ari mumharaunda yakawanda, anopa utano hwakasununguka pasina kana mari shoma kuvanhu vasingabatsiri. Vanowanzotarisirwa navanachiremba vanozvipira uye vanamukoti uye vanovimba nemipiro inobva kumunharaunda. Tsvaga kliniki yakasununguka munharaunda yako.
- Veterans Benefits: Dhipatimendi reVeterans Administration (VA) rinopa rusununguko ruregerero kana rusingabhadharwi kuchipatara uye mishonga yekushandisa mishonga yemishonga kusvika kune veterans vakakodzera kuburikidza nezvivako zvehutachiona zveV VA. The VA webhusaiti ine ruzivo pamusoro pekugonesa uye nzvimbo yeHIV mahofisi.
Zvibate zvakanaka
Kurasikirwa nebasa rako, mari yako, uye mararamiro ako ehutano zvinogona kunyanya kunetseka uye, kune vanhu vazhinji, zvinotambudza kuzviremekedza kwavo. Chimwe chezvinhu zvinonyanya kukosha zvaunofanira kuita ndezvokuti iwe uzvichengete iwe!
Pane matanho aungatora kuti akubatsire munguva ino:
- Iva nechinangwa chekuwana inshuwarhu yehutano kugoverwa pamwe nekutsvaga basa idzva
- Ramba uine mhuri nemhuri neshamwari
- Tsvaga boka rekutsigirwa rekune dzimwe nzvimbo rave rakarambidzwa
- Taura nachiremba wako pamusoro pechinamato chako uye utano hwehutano inshumo. Anogona kukwanisa kupa mamwe maitiro ekuchengetedza mari zvakadai sekushandura mishonga yako yezita remagetsi kune zvinyorwa zvekare kana kushandisa chirongwa chokubhadhara chemari yako yezvechiremba.
Uye, chinonyanya kukosha, kuchengetedza mararamiro ane hutano nekugadzirisa nguva dzose uye tsika dzakanaka dzokudya! Iwe uchanzwa zviri nani uye iwe hausi muduku unoda hutano hwehutano!
> Sources:
> Dhipatimendi reMari; Dhipatimendi reVashandi; Dhipatimendi reHutano neHuman Services. Kunze kweZvibatsiro; Upenyu Hwese uye Zvikamu zvegore negore; uye Yenguva Pfupi, Yakawandisa Nguva Inoshuwarenzi . 2016
> Kaiser Family Foundation. Utano Inishuwarenzi Misika Inoshandiswa: Kuvimbiswa Issue. June 2012.
> Kaiser Family Foundation. The Coverage Gap: Kusagutsikana Nevarume Vakuru Munyika dzisina Kuderedza Medicaid. Gumiguru 19, 2016.