Chikonzero nei kunyora urongwa hwehutano hwakakosha kusvika pakunyoresa nguva yakasununguka
Wakaedza kuinaini yehutano inshuwarheni chete kuti uudze iwe haubvumirwi kutenga inshuwarisi yehutano kusvikira ureji hwekunyora ? Kana iwe uchienda kumutengesi yemotenga kunotenga motokari, mutengesi haanoramba kukutengesa imotokari kusvikira munaNovember inotevera. Asi makambani ehutano inshuwarano haazobvumi kuti iwe usayine inshuwarhu yehutano chero nguva iwe uchida, iwe uri kuedza kutenga chirongwa chehutano pa Affordable Care Act yehutano yehutano kushandiswa , chengetedza kuburikidza nemushandi wako, kana kuti kunyange kunyora kwaMedare .
Zvirongwa zvehutano zvinopera chikwangwani kunyoresa nguva dzekunyoresa kuitira kuti vadzivise kusarudzwa kusina kunaka . Kusarudzwa kusarudzo kunoitika apo vanhu vanorwara vanyoresa inshuwarhu yehutano, asi vanhu vane utano havaiti. Inokonzera kukanganisa kwehutano urongwa hwehutano hunotora apo unosimudzira mumwe munhu, saka iyo yose yehutano inshumbhi inoedza kuidzivirira.
Kusarudzwa Kwakaipa Kunoshanda
Kambani yveshuwarhu yehutano yehutano inogona kungovapo chete kana inotora mari yakawanda muhoyamisi gore roga roga kupfuura iyo inobhadhara muzvikwereti . Kuti izvi zviitike, inoda nhengo dzakawanda dzakanaka pane varwere.
Heino chirevo chakareruka. Ngatiti mumwe nhengo yezvirongwa zvehutano anokwereta $ 6,000 pagore nekuda kwehutano hwehutano. Kune nhengo imwe neimwe inoda madhora mazana mana emadhora ekutengesa marora gore iroro, kunofanirwa kunge kune nhengo 67 dzinobhadhara miriyamu yavo gore rose pasina kubvunza rimwe chete. (67 X $ 6,000 = $ 402,000.) Kambani yehutano yehutano inoshandisa iyo miriyamu kubva kune nhengo 67 dzisina kubhadhara kubhadhara zvikwereti zvemishonga kune imwe nhengo inoda kutarisirwa zvakawanda.
Sei Chisarudzo Chakaipa Chiri Zvakaipa Kwavose
Zvose izvi zvaizoparara kana vanhu vose vane hutano vakafunga ivo pachavo, "Sei ndichifanira kubhadhara $ 6,000 pagore nekuda kwehutano inshuwarano? Ndine utano. Ndichangochengetedza $ 6,000 iyoyo uye ndimirire kusvikira ndarwara kuti nditenge inshuwarano yehutano. "Zvadaro, ndivo vanorwara bedzi, vanhu vane zvirevo zvavo kupfuura zvikwereti zvavo, vanozonyora muhutano inshuwarheni.
Urongwa hwehutano hwakanga husingatori mari yakakwana mumishandirapamwe kubhadhara zvese zvinonzi. Kana izvi zvikaitika, urongwa hwehutano hwakanga huine zvingasarudzwa zviviri: enda kunze kwebhizimisi kana kusimudzira premiums.
Kana ikabuda kunze kwebhizimisi, izvo zvakaipa kune vose. Isu tese tine zvishoma zvingasarudzwa patinenge tichitenga inshuwarhu yehutano, uye paizova nemakwikwi mashoma. Nhamba shoma yekambani yehutano inshuwarani inokwikwidzana nebhizimisi zvinoreva kuti zvishomanana zvinokurudzira zvirongwa zvehutano kupa vhesi yakanaka yevashandi uye zvishoma zvinokurudzira kuti vachengetedze mitemo yepamusoro kukwezva vatengi.
Kana ikasimudza makambani ekutanga, izviwo zvakaipa kune wose. Isu tose tinofanira kubhadhara zvakawanda kune inshuwarhu yehutano. Sezvo mapurogiramu achiwedzera, vanhu vane utano vangave vakanyanya kufungidzira ivo pachavo, "Sei uchibhadhara zvakawanda izvozvi kune inshuwarhu yehutano? Ndinongomirira kusvikira ndarwara uye ndopinda muurongwa hwehutano. "Izvi zvingaita kuti mitero yepamusoro inokurudzire kusvika pasina munhu anogona kutenga inshuwalhu yehutano.
Kupi Utano Vehutano Vanodzivirira Kusarudzwa Kusina kunaka
Vatsigiri vehutano havakwanisi kudzivisa kusarudzwa kusina kunaka, asi vanogona kuita kuti zvive zvishoma kuburikidza nekugadzirisa apo iwe unogona kunyora kune inshuwarhu yehutano kune kamwe chete pagore. Nguva yekunyora yakasununguka inobvumira munhu wose anoda kuzvinyorera muchirongwa chehutano kuti aite kudaro, asiwo zvinodzivirira vanhu vane utano kubva pakufunga, "Ndichangomirira kusvikira ndarwara kuti nditenge inshuwarhu yehutano." Kana vasina kungoitika vanorwara panguva yekunyorwa kwegore rose, vanozove vasina ruzivo uye vasingakwanisi kuinaini yehutano inshuwarano pavanorwara.
Imwe nzira inodzivisa kusarudzwa kusarudzo ndeye nguva pfupi yekumirira pakati pekunyora kuzarura uye zuva rehutano hwehutano hwehutano hunotanga. Somuenzaniso, kana iwe ukanyoresa hutano inshuwarhu munguva yekuvhura kusanyatsozarura, kugoverwa kwako kunowanzotanga musi waJanuary 1. Izvi zvinodzivirira vanhu kuti vanyora muhutano inshuwarheni munzira yekuenda kuchipatara, vachitarisira kuti chirongwa chavo chitsva chehutano chichatsika musangano wekuchengetwa kwavo.
Mukuwedzera, iyo Affordable Care Act inotarisira kuderedza kusarudzwa kusarudzo kuburikidza nekuraira kuti munhu wose ave nehutano inshuwarheni kana kubhadhara mari yakanaka .
Kusiyanisa Kuzarura Kunyoresa
Kune zvidimbu zvishoma zvinobvumira vanhu kunyora muhutano inshuwarheni kunze kwekunyora kwakasununguka.
- Nguva yokutanga yekudzivirira.
- Nguva yokunyora inokosha .
- Medicaid uye CHIP.
- Vanhu vekuAmerica .
Chimwe chekutanga chekugadzirisa nguva chinowanikwa apo iwe unotanga kubhadhara utano hwehutano inshumo kubasa, kazhinji mwedzi kana maviri mushure mekunge wakashandira. Iyi iyi nguva yekugadziriswa ingangodaro haifananidzi nekunyoresa pachena nokuti vanhu vanobhadharwa gore rose. Zvisinei, nguva yekutanga yekugadzirisa inongopera; kana iwe usingaregi pawindo rimwe chete yemukana apo iwe unotanga kukodzera kugoverwa, unofanira kutarisira kusvika panguva inotevera yokunyora.
Iwewo uchava nemwedzi wechinomwe wekutanga kubvumirwa kwaMedare paunenge wava nemakore 65. Kana iwe usingaregi paunenge uchitanga nguva yekugadzirisa, haufaniri kumirira kusvikira panguva inotevera yekubhabhatidzwa kwenyika, iwe unogona uyewo inorayirirwa nemapuramu makuru.
Nguva yekunyora inokosha inokonzerwa nezvimwe zviitiko zvehupenyu zvakadai sokuroora kana kurambana, kuva nemwana, kurasikirwa nebasa rako-based health inshuwarisi, kana kutama kubva munzvimbo yako yehutano yebasa. Apo kunyora kunokosha kuchikonzerwa, une festi yemukana, kazhinji mazuva 30-60, kuti uchinje urongwa hwako hwehutano hwezvino kana kuti iwe unyoresa chirongwa chitsva. Kana iwe ukasarasikirwa nehwindo remukana, iwe unofanira kumirira kusvika panguva inotevera yokunyora kuzarura.
Cherechedza kuti pamusika wega wega hauna nguva yekunyora yakapfuura gore ra2014, asi iye zvino rine nguva dzekunyora dzakasiyana-siyana dzakafanana neaya inoshandisa kumashandi-akatsigirwa nehutano inshuwarisi. Musika mumwe chete haana kushandisa nguva dzakanyoreswa dzekunyora (kana kuti nguva yekunyora yakatangwa) pamberi pa2014 nokuti vanhu vanogona kunyoresa nguva ipi neipi yavanoda ... asi kushambadzira kwaiva kune vose asi vashoma vaiti, kukodzera kwekugoverwa mumusika mumwe nomumwe kunobva pane zvakaitika mune zvechiremba. Vatsigiri vanozopedza zvidzidzo zvachose (kana kusabvisa mamiriro ezvinhu akagarapo) kana vanhu vakaedza kunyora kana kuchinja zvirongwa mushure mekunge vaine chiremba.
Iye zvino kugoverwa kunovimbiswa-nyaya mumusika mumwechete (nenzira iyo chete kune vashandi vanofanirwa kuronga hurongwa hwehutano hwevanoshandira), mutengo mumwe nomumwe unoshandisa kuzarura kwakasununguka uye nguva dzakanyatsodzikodzera sevashandi-vanochengetedzwa nehutano inshuwarhu.
Medicaid, hurongwa hwehupfumi hwehupfumi hwevanhu hunopa hutano hwehutano kune vagari vepfuma yakaderera, hwakasiyana nedzimwe mhando dze inshuwarano yehutano mune zvekuti hazviregi kuverenga kune dzimwe nguva dzegore. Pane kudaro, inopedzisa kunyoresa kune vanhu chete vanowana mari yakasimba uye imwe mvumo yekufanirwa. Kana iwe uchikodzera kuMedicaid, iwe unogona kuinaini chero nguva yegore. Ndizvo zvakaitikawo neCIP ( Children's Health Insurance Program ).
Medicaid haibhadhari mari yayo kubhadhara Medicaid vaigamuchira mwedzi miviri. Pane kudaro, yakabhadharwa nehurumende uye yehurumende mitero. Sezvo vazhinji vanogamuchira Medicaid vasingabhadhara mari yemishandirapamu, pane ngozi shoma yekusarudzwa kusina kunaka nekuda kwevanhu vane hutano vanoedza kuchengetedza pamapurayamisi.
> Sources:
> Cornell Law School. Legal Information Institute. 45 CFR 155.420 Nguva Dzokunyora Dzakasiyana.
> Kaiser Family Foundation. Utano Inishuwarenzi Misika Inoshandiswa: Kuvimbiswa Issue . June 2012.
> Norris, Louise. Kutungamira Kunyoresa Zviitiko Zvimwe MuMusika Wega. February 2017.