Vazhinji vekuAmerica vanofanira kuchengetedza hutano inshuwarheni
Uninsuredured? Kufungisisa kana iwe uchifanira kutenga utano hwehutano nekuda kweAne Affordable Care Act ? Hezvino izvo zvinoda murairo, nzira yekuteerera, nzira yekuwana nayo Obamacare kana iwe uchida, uye kuti dzimwe nzira dzako ndeipi.
Ndinofanira Kuwana Inishuwarenzi Yehutano Here?
Kana iwe usina kuvimbiswa uye iwe hauna utano hwehutano inshuwarheni , iwe unoda kuwana hutano hwehutano. Kana iwe usingaiti, iwe uchataridzirwa chirango apo iwe uchishandisa mutero wako wekudzorera.
Iko ine basa rinogadziriswa re Care Care romunhu mumwe nomumwe rinoda kuti munhu wose asina kukwanisa kuchengetedza utano hwehutano . Izvi ndizvo zvave zvichiitika kubva panaJanuary 1, 2014.
Kana iwe uine inshuwarhu yehutano kuburikidza nebasa rako kana chirongwa chehurumende seMedareid, Medicaid kana Tricare, iyo inshuwarisi inogutsa zvinodiwa nemutemo. Iwe haufaniri kuita chero chimwe chinhu.
Kana iwe uine chirongwa chehutano hwehutano, wako insurer anogona kukuudza kana yako ikozvino inotarisana nechinotsanangurwa chekukosha kwehuwandu hunokosha. Icho hachisi chinhu chakafanana neC ACA-chinogamuchirika zvakadaro. Kana iwe une imwe purogiramu yemakethe yakatanga kushanda pamberi pegore ra2014, inenge isinganyatsopindirani zvakakwana neAACA, asi ichiri kutaridzirwa zvishoma nezvishoma kukosha kwakakosha chero bedzi ichi chikuru chehutano hwehutano inshuwarisi.
Kana iri huru yehutano inshuwarisi yehutano uye iwe wakambove nayo kubvira gore ra2014 risati rasvika, zvinogona kunge rakakura kana kuti rakaberekerwa . Muzviitiko zvose izvi, unogona kuramba uine huwandu hwehuwandu hwehutano hwehutano hwehutano huchibvumira, uye iwe haugoni kutongerwa - pasinei nokuti chirongwa chako hachienderani neAACA zvido zvezvirongwa zvitsva.
Kune rumwe rutivi, kana iwe chete yunishuwarenzi iwe une chirongwa chawakazvitenga icho haCHI chaonekwa sechinhu chinokosha chinokosha, haufaniri kuenderana nemvumo yeAAC yemunhu mumwe nomumwe, izvo zvinoreva iwe uchatungamirirwa kurangwa kunze kwekuti iwe ndine mvumo. Zvirongwa zvisingaverengi sezvinokosha zvakanyanya kugoverwa zvinosanganisira zvinhu zvakadai sehutano hwehutano hwemazuva mashoma , njodzi dzinowedzera, zvirongwa zvinorwara zvirwere (kureva, mutemo unobatanidza zvirwere zvakananga bedzi), uye zvirongwa zvishoma zvishoma.
Kana usina mubvunzo, tarisa nekambani yakakutengesa iwe chirongwa.
Kana iwe usina uninsured, iwe uchafanirwa kuwana hutano inshuwarisi. Kana zvisina kudaro, iwe uchabhadhara chirango iwe paunokanda mitero yako, kunze kwekuti iwe uine chikwereti.
Pane Nzira Iripo Pakutenga Utano Inishuwarenzi?
Kana iwe usina kuvimbiswa uye usingafariri kuwana inshuwarisi, kuwana inshuwarisi yehutano huchakubatsira iwe kudzivisa mutero wemitero. Kuti uwane kana iwe uchikodzera kubhadharwa uye kuti ungawana sei chivimbiso chekuregererwa, verenga " Ndingakwanisa Kuwana Inishuwarenzi Yezvemutano Here? "
Chii Chichaitika Kana Ndisingakwanisi Kuwana Inishuwarenzi Yehutano ?
Kana iwe usina kukanganiswa uye iwe ukasasarudza kuwana utano hwehutano, iwe uchabhadhara chirango chemutero chinonzi chikamu chekugoverwa kubhadhara . Ichi chirango chinowedzera pamusoro penguva, uye mari yacho inobva pane zvaunowana.
Chirango chakatanga kuongororwa mukati megore ra2015, apo vanhu vakaisa mutero wavo wekutora muna 2014. Nemhaka yekuti vanhu vakawanda vakabatwa nemurango, hurumende yakabvuma kupa nguva yakanyoresa gore iroro kune vanhu vaisaziva nezvechirango kusvikira vasvika mutero wavo wegore re2014. Vakanga vachiri kubhadhara mutengo wegore ra2014, asi nguva yekunyora yakapiwa yakavapa mukana wekugoverwa kwevakawanda ve 2015.
Zvitongwa zve 2016 zvichaongororwa apo vanhu vanoisa mitero yavo yekudzosa kumavambo kwe 2017. Pamusoro pevateresi vematare avo vane chikwereti chekubhadhara mutero wavo mugore ra2014, chiyero chechibharo chaive chakanga chiri madhora mazana maviri. Izvo zvinotarisirwa kuwedzera kusvika madhora madhora 1 000 emitero yevateresi vane chikwereti pamutero wavo we 2016 .
Ihutano yehutano inshuwalano mitemo inogona kuva yakaoma. Semuyenzaniso,
- Chikamu chemari yako yaunosanganisa haisati yakabatanidzwa kana uchifungidzira chikwereti chemari - chete mari inenge iri pamusoro pemutero wokutumira mutero inotarwa.
- Kune chikamu chepamusoro kune chirango chaunofanira kubhadhara kana iwe uri mupfumi - ndiyo inotengeswa yenyika yepamusoro yeurongwa hwemhangura, yaiva $ 2 484 kune mumwe chete muna 2015, uye $ 12,240 yemhuri yevashanu kana kupfuura.
- Pane mari shoma yaunofanira kubhadhara kunyange iwe uri murombo (uchifunga kuti hauna kukodzera kubhadhara). Nokuda kwegore ra2016, chikamu chiduku ndeche $ 695 pamunhu mukuru, uye $ 347.50 pamwana, kusvika pamadhora mazana maviri nemazana maviri emakumi maviri emhuri.
Iko Utano HwepaInishuwarenzi Huru Ndeupi Wakawanda?
Mari Yehutano Inotengesa Mhuri Ndeipi?
Kana iwe uchiyera mari yekutsvaga inshuwarhu yehutano pamusoro pemari yekubhadhara hutano hwehutano inshumo, usakanganwa kuverenga zvakanamirwa mari mumusanganiswa. Mitengo inofambidzana nechisarudzo chekugara isina uninsured inosanganisira mari yekubhadhara kunze kwehomwe yehutano hwako hwose hwekutarisira, kwete kungoita mari yemutero. Uyewo, rubatsiro rwehutano hwehutano hwehutano huri hurumende , kana iwe uchikodzera, unogona kuderedza mari yekutenga inshuwarhu yehutano.
Ndingawana Rubatsiro Kubhadhara Utano Woutano ?
Iwe unogona kukodzera kugamuchira rubatsiro kuti uite inshuwarano yehutano inodhura. Iko Inogadziriswa Care Care Act yakasika marudzi maviri ehutano inshuwalense rubatsiro; zvose zviri zviviri zvakagadzirwa.
Mutengo wekubhadhara mutero wechikwereti uripa chikamu chemishonga yako yepurogiramu yehutano yepamwedzi kuitira kutenga inshuwarano yehutano isingadhuri. Zvakafanana nekuwana kuderedzwa pamutengo wehutano inshuwarisi .
Iko -kugovana-kugovera rubatsiro kunowedzera kuderedza yako, copays uye coinsurance apo iwe uchishandisa utano hwako hwehutano. Urongwa hwako hwehutano huripo humwe huwandu hwemari yako yezvokurapa, uye iwe unobhadhara zvishoma Zvakafanana nekuwana kusununguka kusununguka kwehutano inshuwarisi.
Pakupedzisira, kana mari yako iri pasi, unogona kukodzera kuMedicaid . Mapurogiramu akawanda eMedicaid haatengi mari yemwedzi yega yega yega yekubhadhara, kana kukwereta mari shoma. IAACA yaida kuti kuwedzererwa kweMedicaid, asi Supreme Court yakaita kuti zviitike kuti nyika dzitore. Kubva munaJune 2016, 31 inotaura neDDC yakawedzera mapurogiramu avo eMedicaid, asi 19 nyika dzisina.
Dzidza zvakawanda pamusoro pekuti sei rubatsiro runobatsira uye kuti iwe unokodzera rubatsiro kunyoresa kuObamacare nekuverenga " Ndingawana Rubatsiro Kubhadhara Health Insurance? "
Ndinotenga Sei Utano Hwemutano?
Kunyange zvazvo iwe unogona kutenga inshuwarhu yehutano zvakananga kubva kune yehutano inshumo yekambani (kureva, " kure-kushandiswa "), kana iwe uchifungidzira kuti uri kukodzero yekubhadhara, tenga inshuwarhu yako yehutano kuburikidza nehutano hwehutano hwehutano , zvimwe zvinonzi soke, panzvimbo.
Kubatsira kunogona kushandiswa chete kune inshuwarhu yehutano uchatenga kuburikidza nekutsinhanisa. Pasinei nokuti iwe unoda kutora rubatsiro rwako mumwedzi wepamusoro kune yehutano inshuwarisi yekutengesa, kana kuitaura gare gare pamutero wako wekubhadhara , inongowanikwa chete kana iwe uchitenga chirongwa chako kuburikidza nekutsinhanisa.
Shanduro inogonawo kutaura kana uri kukodzera kuMedicaid uye kukubatsira iwe kuishandisa. Mune dzimwe nyika, kunyorwa kwose kweMedicaid kunoitwa kuburikidza nekushandura. Mune dzimwe nyika, iwe unogona kunyora zvakananga kuburikidza nehofisi yehurumende Medicaid, kana kuburikidza nekushinhana. Munyika dzose, shanduro inogona kukubvisa iwe ku Medicaid kana iwe uchikodzera.
Kunyange kana iwe usingakodzeri Medicaid kana rubatsiro, iwe utano hwehutano inshuwarano hunoita kuti zvive nyore kuenzanisa zvirongwa zvehutano. Sezvo zvirongwa zvakapiwa kuburikidza nekushandurana zviri mumakwikwi akakomberedzana kune mumwe nemumwe, vanogona kunge vane mihoro miviri yepamwedzi yepamusoro pane zvirongwa zvehutano zvakasiyana kubva kune vamwe vatakuri izvo zvinongowanikwa kunze kwekutsinhanisa (kunyange kunyange kunze kwekugoverana, zvose zvinowanikwa zvirongwa zvehutano zvakakura zvinofanira kuva kunyatsopindirana neAACA).
Tsvaga kuti ungasangana sei nehutano hwehutano inshuwarheni.
Ndinosarudza Sei Purogiramu Yakanakisisa?
Kuti usarudze chirongwa chehutano chinonyatsokodzera zvaunoda, iwe kutanga unoda mamwe mashoko ehukuru pamusoro pezvinowanikwa.
Zvose zvezvirongwa zvehutano zvinotengeswa pamusoro pehutano hwehutano hwehutano-pamwe chete neavo vanotengeswa kushandiswa-kushandiswa , chero bedzi ivo vachikurukura kurapwa kwehutano - kupa zviyamura zvakakosha zvehutano. Zvimwe zvirongwa zvinogona kupa zvikwereti kumusoro nepamusoro pezvinokosha zvehutano.
Zvose zvezvirongwa izvi zvakarongerwa mune chimwe chezvikamu zvina zvakafanana. Izvi zvinokuudza kuti urongwa huripo. Iwe unogona kudzidza zvakawanda pamusoro pekuti vateereri vanoshanda sei uye kuti ndiani angave akakodzera zvakakwana kwauri mu " Bronze, Sirivha, Ndarama & Platinum-Kunzwisisa Metal-Tier System ." Zvimwe chirongwa chehutano chinosarudza, njodzi yehutano inshuwarheni , inowanikwa vanhu vasiri pasi pemakore makumi matatu, kana vanhu vane dambudziko rakasununguka .
Kuwanda kwekutsinhana kune marudzi akasiyana-siyana ehutano inshuwalhu inopiwa pane imwe yega yepamusoro. Somuenzaniso, kana iwe uchida chirongwa chehutano-silver-tier, unogona kusarudza pakati peHMH yesirivha, sirivha PPO , uye chirongwa chePOS chesirivha . Kana iwe usinganyatsozivi kuti mararamiro ehutano ehutano akasiyana sei, verenga " HMO, PPO, EPO & POS-Chii Chinosiyana Uye Ndezvipi Zvakanakisisa? "
Sources:
Internal Revenue Service, Mutoro Wega Wega Kugoverwa Kupa - Kuzivisa uye Kuverenga Kubhadhara.