Kumirira kusvikira iwe uchirwara kungave kwakadhura
Inishuwarenzi yehutano inodhura, saka unoregerei kungomirira uye kutenga inshuwalhu yehutano apo iwe uchida? Sei uchibhadhara mwedzi miripo apo iwe ungasafanira kuishandisa?
Sezvo asingakwanisi Kutarisira Mutemo Mitemo inoda kuti iwe utenge utano hwehutano kubva kune imwe kambani, pane kuti iwe-mubhadhare hurumende inotsigirwa hurumende inowanikwa munyika dzakawanda dzakabudirira, zvingaratidzika sedhura uye yakachengeteka kunonoka kutenga iyo kusvikira iwe uchida iyo.
Asi, kune zvikonzero zvinokumanikidza kusaita.
Kuvhura Kunyoresa Haisi Kuvhura-Kwakaguma
Iwe unogona kungotenga inshuwarano yehutano mumusika mumwe nomumwe (unosanganisira kuburikidza nehutano hwehutano inshuwarisi pamwe chete kunze kwekutsinhanisa ) panguva yekunyora kusununguka , nguva yekuti munhu wese anokwanisa kutenga inshuwarano yehutano.
Kana iwe usingatengi inshuwarhu yako yehutano panguva yekunyorwa kwakasununguka, unofanira kutarisira kusvika pakanyoreswa kuzarura kune imwe mukana. Kana iwe uchirwara panguva iyo, iwe ungangove usiri kunze kwemahombekombe.
Nguva yekunyora kusununguka yava shoma. Kutanga ne 2018 kugoverwa, kuverengwa kwakasununguka kuchave kwemavhiki matanhatu chete, zvichienda kubva Kubva 1 kusvika kuDecember 15 gore roga rega, nekutarisa kunoitwa naJanuary 1 wegore rinouya ( nokuda kwekugoverwa kwa2018 chete, kune mapfumbamwe ekutengesana kwehurumende akawedzera kunyora kusvitsa kudarika December 15).
Kwegore ra2014, apo zvirongwa zveAACA-zvinotenderera zvange zvangotanga, kutanga kunyoresa kwakapedza mwedzi mitanhatu.
Kubvira muna 2015 kusvika muna 2017, kuverengwa kwakasununguka kwaive mwedzi mitatu gore negore.
Kusiyanisa Kuzarura Kunyoresa
Mamiriro ezvinhu anochinja muupenyu hwako (asi haasi kuchinja mune hutano hwako) ichaita nguva yakanyoresa panguva iyo iwe unogona kutenga inshuwarisi yehutano kana kuchinja hurongwa hwako hwehutano. Izvi zviitiko zvinokodzera zvinosanganisira:
- Kurasikirwa nehutano hwehutano hwehutano hwehutano hwako huripo nokuda kwezvikonzero zvimwe kunze kwekusabhadhara mari yepuraimisi kana urovhu (somuenzaniso, kusiya basa rako uye kurasikirwa nekuwana kune waunoshandisa-inotsigirwa inshuwarisi).
- Kuwana munhu anovimba kana kuti anozvidzivirira. Kuroora, kuva nemwana, kana kubereka mwana mienzaniso.
- Kugadziriswa nekusingaperi kunogona kuumba nguva yakanyoresa. Izvi zvinoshandawo kune vanhu vari kusunungurwa kubva mujeri. asi kubvira pakati pa2016, izvi zvakashanda chete kana iwe wakatova bhizimisi munzvimbo yako yapfuura-iwe uchange uine mukana wekushandura inshuwarheni kana uchifamba, asi kwete kuwana kugoverwa kwekutanga.
Nguva yekunyora yakakosha inguva-isina kukwana, uye iwe uine mazuva makumi matanhatu kubva pazuva rekufanirwa kwechiitiko kunyoresa muurongwa hutsva.
Utano Inishuwarenzi Kurindira Periods
Utano hwehutano hwehutano hunotora hahuna kutora zuva raunotenga naro. Pasinei nokuti iwe uri inshumo kuburikidza nebasa kana kuti nekambani yawakawana pakutsinhanisa kwehutano, kazhinji pane nguva yekumirira usati wapihwa kugovera. Somuenzaniso:
- Kana iwe ukasainira mukutenderera kwekuvhura kusununguka kwako kugoverwa kwako kunotanga musi waJanuary 1 (chinyorwa chokuti mumatunhu mapfumbamwe akawedzerwa kubatanidzwa kwakasununguka kwekugoverwa kwe 2018 chete, pane zvimwe zvisiri izvozvi )
- Kana iwe uri kuisa pasi kunze kwekunyora kwakasununguka (uchishandisa nguva yokunyora yakadzama) uye iwe unyoresa pamberi pemwedzi wegumi nemashanu wemwedzi, kugoverwa kwako kunotanga pakutanga kwemwedzi unotevera
- Kana iwe ukanyora mushure memwedzi wegumi nemwedzi wemwedzi, kugoverwa kwako hakuzotanga kusvika pakutanga kwemwedzi wechipiri unotevera. Semuenzaniso, kana iwe ukawana chiitiko chakakodzera uye ukanyoresa musi waMarch 25, 2018, kugoverwa kwako hakuzoperi kusvikira musi waMay 1, 2018 (kunze kwekuti chiitiko chako chakanaka chiri kurashikirwa nedzimwe shanduro kana kuroora, pane iyo mimwe mitemo inokosha inoshandiswa ku musi wekushanda, uye kugoverwa kwako kunogona kunge kuri kushanda musi waApril 1, 2018; ona kuti mumamiriro ezvinhu ose, unogona kuwana kuparidzirwa kunobudirira kune mwana mutsva kana mwana akagadzirirwa kugadziriswa zuva rokuberekwa kana kubvumirwa chero bedzi iwe unyoresa usati wasvika pakanyoresa nguva inopera).
Utano Hwepahutano Kwezvinhu Zvisingafanoonekwi Mamiriro Ezvinhu
Iyo chirongwa chakaipa chokumirira kutenga inshuwarisi yehutano kusvikira iwe uchida kuishandisa. Kunyange kana uri muduku uye ane utano, zvinhu zvakaipa zvinogona kuitika.
Zvakadini kana iwe ukanyora ruoko rwako apo girazi rewaini ravhunika iwe uchiri kushamba naro? Kusungirirwa mune imwe imba inokurumidzira kunogona kudhura. Zvakadini kana iwe ukatora katsi uchifamba pasi pamatanho? Simba rakaputsika haigoni kumirira kurapwa uye rinogona kudikanwa kuvhiyiwa.
Kunyangwe kana chimwe chinhu chakadai chikaitika kana iwe uchikwanisa kuinyora mukuvhara pakarepo (panguva yekunyora kuzarura kana panguva yekunyora kunokosha), kugoverwa kwako hakuzogoni kushanda pakarepo. Hazvina chokwadi kuti iwe unoda kumirira kwemavhiki kuti uende kunzvimbo yekukurumidzira. Iwe unofanirwa kumirira mwedzi kuti unyore.
Zvinodhura zveUtano Inishuwarenzi
Chikonzero chinonyanya kukosha vanhu kupa nekuda kwekushaya inshuwarisi yehutano ndechekuti inodhura. Asi ACA yakabatsira kugadzira mari yakawanda zvikuru kune vanhu vane mari yakaderera uye yepakati pezera.
Kana mari yako yaive isiri kudarika madhora 16,642 muna 2017 (kune munhu mumwe chete), iwe unogona kukodzera Medicaid. Izvo zvinoenderana nokuti nyika yako yakawedzera Medicaid, asi 31 inotaura neDDC zvadaro-yakasarudza kuwedzera Medicaid pasi pe ACA.
Kana mari yako yakakwira zvikuru kuMedicaid asi kusvika panguva ina urombo hwehutano, iwe unogona kunge uchikwanisa kubhadhara mari yekubhadhara chikamu chekutanga kwako mukutengesa. Muganhu wekumusoro-soro muna 2017 kune rubatsiro rwekugoverwa kwa2018 kumunhu mumwe chete wakanga uri ye $ 48,240-chokwadi chakati pakati peboka rimwe chete (kune mhuri yevana, muganhu wekupera unosvika kusvika $ 98,400).
Kuti uwane rubatsiro rwekubatsira mari, unofanira kutenga yako inshuwarhu yehutano kuburikidza nekutsinhanisa. Iwe unogona kutora mari inobhadharwa, inobhadhara zvakananga kune inishuwarenzi yako yegore rose, kana iwe unogona kubhadhara mutengo wakakwana wekugovera kwako uye wotora rubatsiro rwako pamutero wako wekudzokera .
Dambudziko Dzakaipa
Kana iwe uri muduku kudarika makore makumi matatu, kana kuti kana uine dambudziko rezvemari, unogona kunge uchikodzera chirongwa chinotyisa chehutano . Kunyange zvazvo zvirongwa izvi zvine zvakanyanya kuderedzwa uye kunze kwemari yemari inobvumirwa pasi peAACA, miriyamu yavo yakaderera pane imwe nzira inogona kuwanikwa, uye iwe unenge uine zvimwe zvingawanikwa.
Zvirongwa zvinoparadza hazvigone kutengwa nevanhu vanopfuura 30 kunze kwekuti vane dambudziko rekuregererwa. Uye zvakakoshawo kuziva kuti rubatsiro runogona kushandiswa kubatsira kubhadhara zvirongwa zvinotyisa, saka haisi ivo sarudzo yakanaka kune ani zvake anokodzera rubatsiro runobva pamari inowanikwa.
> Sources:
> Dhesi uye Nhamba Dzokupedzisira dze 2018 Inishuwarenzi yehutano. HealthCare.gov. https://www.healthcare.gov/quick-guide/dates-and-deadlines/.
> PPACA, Kuvandudzwa kweZuva Rokunyoresa Zvikwereti uye Mutengi Akashandiswa uye Akarongeka Zvirongwa Purogiramu . Dhipatimendi reHutano neHuman Services. https://s3.amazonaws.com/public-inspection.federalregister.gov/2016-11017.pdf.
> Nyaya yakanyoresa Period (SEP). HealthCare.gov. https://www.healthcare.gov/glossary/special-enrollment-period/.