Kutenda kuAACA, Vazhinji vemajeri Vanogona Kuda Kushandisa Nguva Dzekuregererwa
Pamberi pezvinhu zvisingakwanisi kutarisira Mutemo wehutano hwehutano hwehutano muUnited States, mamiriro ezvinhu akambovapo aigara achiita basa rinokosha muhutano hwehutano hwehutano hwevanhu hwakakwanisa kuwana.
Muzvinhu zvose kunze kwechitanhatu , inishuwarenzi yehutano inotengeswa mumusika wega wega inogona kusabvisa mamiriro ezvinhu akambovapo zvachose, inouya nezvikwereti zvakakwirira zvichienderana nemuongorori wezvokurapa, kana kuti hazviwanikwi chero zvakashata kana mamiriro ezvinhu akambovapo akange akaoma zvakakwana.
Muchikwereti chinoshandiswa nevashandirwi, vashandi voga avo vakanga vasina kukodzera kubhadhara mari yavanoshandisa havakwanisi kurambidzwa kana kupomerwa zvikwereti zvepurayamisi zvakawedzerwa maererano nehutano hwavo hwezvakaitika (kunyange zvazvo mapeamamu emapoka aigona kunge akavakirwa mumabhuku ezvokurapa eboka rose mumatunhu akawanda) , asi vashandi vasingakwanisi kuratidza kuti vaive vaine chinyorwa chinopfuuridza vainge vakatarisana nemamiriro ezvinhu akange akagara asati akwana nguva dzakasiyana-siyana kuburikidza nekushanda kwenguva yakareba sei mushandi wacho asina kumbobvumirwa.
Iye zvino sezvo ACA yakashandiswa, vanhu vakawanda havasisiri pasi pemamiriro ekutanga asati asvika. Kunyange zvazvo sekurondedzerwa pasi apa, vazukuru uye vane zvirongwa zvakawanda vane mitemo yakasiyana.
Kufanirwa Kwakaitika Sei Mamiriro Ekusagadzikana Akashanda Pamberi peAACA
Kusati gore ra2014, apo ACA yakanyanyisa kunyanya kushandura indasitiri yehutano yehutano, dzimwe zvirongwa zvehutano zvinogamuchira vanyori vatsva asi nehuwandu huripo hunenge huripo nguva (kureva, nguva yekumirira).
Izvi zvaive zvakajairika kune zvirongwa zvinoshandiswa nevanoshandira pane zvirongwa zvemakethe pamunhu, sezvo zvirongwa zvemakethe pachedu zvaiwanzo kutora nzira yakawanda yekutengesa kumamiriro ezvinhu akambovapo (kusabatanidzwa navo nguva dzose, kutengesa premium yakakwirira, kana kuderedza kushanda zvachose). Asi dzimwe zvirongwa zvemakethe zvaiuya nehuwandu huripo huripo huripo huripo kwenguva shoma.
Kana iwe wakanga uine nguva yaimbovapo yakasunungurwa nguva, iwe hauna kuwana chinyorwa chero chekuchengetedza kana mabasa ane chokuita nehutano hwako hwakagara huripo kwenguva yakareba yakatarwa, pasinei nekubhadhara mihora yako yemwedzi . Izvi zvaireva kuti chero zvitsva, zvisiri zvehutano zvine chokuita nehutano zvakasimuka munguva iyoyo zvakafukidzwa nekambani yehutano inshuwarheni, asi chero hutano hunoenderana nehutano hwakagara huri husati hwakafukidzwa kusvika pakupera kwemamiriro ekutanga asati avapo nguva.
Pasi peHIPAA ( Health Insurance Portability and Accountability Act ya1996 ), zvirongwa zvevanoshandira (boka) zvakagamuchirwa kuisa mamiriro ekutanga asati asvika kana kusvitsa kwekutsvaga kwakanga kusina mwedzi gumi nembiri yekubhadhara chikwereti (kureva,, asina kubvumirwa asati asvika muchirongwa cheboka) pasina mapoka emazuva makumi matanhatu nematanhatu (mwedzi gumi nemasere ekubhadhara mari inogona kudiwa kana munhu wacho ari kunyora muchirongwa cheboka nguva pfupi, mushure mekunge firiji rake rokutanga kunyora rakanga rapfuura).
Chirongwa chakabvumirwa kutarisa kumashure kumwedzi mitanhatu yapfuura yehutano hwehutano hwemunhu, uye kusabvisa mamiriro ezvinhu akambovapo akabatwa mukati memwedzi mitanhatu, uye nguva yekuregererwa isingagumi kwemwedzi 12.
Kureba kwenguva yakagara iripo nguva yekuregererwa yakaderedzwa nenhamba yemwedzi iyo munhu akanga aine chikwereti chekubhadhara mumwedzi 12 yapfuura. Saka mutero uyo akanga asina kubvumirwa kwemwedzi mina angave ane mwedzi mina yemakore akambovapo panguva yekusagadzikana neurongwa hutsva, achifunga kuti akanga aporerwa nokuda kwehutano hwakagara huri mumwedzi mitanhatu yapfuura.
Zvimwe zvinotaura zvishoma zvisati zvavapo zviripo kunze kweHIPAA zvisingakwanisi, asi zvaiwanzo chimwe chinhu izvo vanhu vaifanira kurwisana nazvo kana vakaona mukana wekutarisana vasati vapinda muurongwa hutsva kusvika muna 2014.
Mumushamba wega wega, zvibvumirano zveHIPAA kazhinji hazvina kushanda. Vatsigiri vehurumende zhinji vanowanzotarisa kumashure emakore gumi kana kupfuura emakore ekutsvaga, uye vanogona kusabvisa mamiriro ezvinhu akambovapo kare kwenguva yakawanda zvisingagumi.
Pre-Maimo Anogara
Chimwe chiitiko chisati chavapo chiri dambudziko rehutano rakange rasati wasati wabvunza hutano hwehutano inshuwarano kana kunyora mune chirongwa chitsva chehutano.
Kunyanya chero nharo ipi zvayo yezvehutano inogona kuwira pasi pemaambura ehutano hwakagara huripo mumazuva ekutanga-ACA. Mamiriro ezvinhu akambovapo anokwanisa kubva pane chimwe chinhu chinowanzofanana nechirwere kune chimwe chinhu chakakomba sehosha yemwoyo, kenza, uye chirwere cheshuga. Matambudziko akasiyana-siyana ehutano anokonzera chikamu chikuru chevanhu vose aifungidzirwa kuva mamiriro akambovapo.
Affordable Care Act
Inotengeswa Care Care Act yakashandura nzira iyo yakagara yakagadzikana inoshandiswa muUnited States. Mumutengo wega wega, kubva muna 2014, vatsigiri vehutano havana hukwanisa kutora nhoroondo yehutano yenyu pavanosarudza kana kuti kwete kukutengesa iwe inshuwarisi yehutano. Haikwanise kuisa mamiriro ezvinhu akagara akambovapo kubva pakuvhara, uyewo haagoni kukubhadharira zvakawanda nokuti une mamiriro akambovapo.
Izvi ndizvo zvakafanana nemakambani anoshandira mari, uye zvirongwa zvehutano zveboka hazvisati zvave zvichange zvisati zvavepo pane nguva yekuregererwa, zvisinei pasinei nokuti vanyori vane nhoroondo yekuenderera mberi uye / kana kuti yakagara iripo. Pangosvika pakunyoresa kubhadhara, iye akazara zvakazara pasi pemitemo yehutano hwehutano, pasina kana kunze kwemamiriro akambovapo.
Vabereki vakuru uye vane zvirongwa zvakawanda zvakasiyana zvakadaro. Havafaniri kutevedzera mitemo yeAACA pamusoro pekugadzirisa mamiriro ezvinhu akambovapo, uye inogona kuramba ichidzivisa mamiriro ehutano huripo.
Mumusika mumwe nomumwe, vanhu havana kukwanisa kuinyora muzvirongwa zvakakura kubva munaMarch 2010, uye mumaronga makuru kubva muna 2013.
Asi mumakambani anoshandiswa nevashandirwi, vashandi vasati vashandi (uye avo vanyoresa panguva yekubhabhatidzwa kwavanoshandira gore negore) vanogona kunge vachizvinyorera kune vazukuru vakakura uye vane baba vakagadziriswa, izvo zvinoreva kuti kune vamwe vanhu vatsva kuti isati yakambovapo mamiriro ekubvisa nguva. Kana uine mibvunzo pamusoro pemitemo yako yechirongwa pamusoro peizvi, taura nehurumende yako HR kana chirongwa che inshuwarisi.
Zvimwe Zvinyorwa kubva kuna Dr. Mike
Mamiriro Ekutanga-Anowanika - Kunzwisisa Kusagutsikana uye Kukwereta
> Sources:
> Centers for Medicare neMedicaid Services. Mutemo Wemautano Ehutano Hwakachengetwa uye Kuzvidavirira (HIPAA) we1996 . Mazano anobatsira .
> Kaiser Family Foundation. Utano Inishuwarenzi Misika Inoshandiswa: Kuvimbiswa Issue . June 2012.