Iko kuwedzera kwekuchinja kunogona kunge kuri-intuitive
Kana iwe uchitenga yako yehutano inshuwarisi (zvisinei nekutora kubva kune waunoshandira), iwe unogona kunge uchiziva iye zvino kuti kune mari yepayimusi inowanikwa kuburikidza nekukwikwidzana kana iwe mari yako iri mukati memhando yakakodzera.
Kupfuura izvozvo, zvisinei, kune zvakawanda zvekuvhiringidzika pamusoro pokuti kunyatsobatsirana kunoshanda sei. Mubvunzo umwe unowanzowanzoitika unopindirana nezvokuti mashandiro epamhuri inoshandiswa apo nhengo dzemhuri dzinowedzerwa kurongwa kana kubviswa kubva kurongwa.
Kuchinja kweAACA Inobatsira Kunogona Kuvhiringidza
Mune mamwe mamiriro ezvinhu, kubatana pakati pekuwana mari, ukuru hwemhuri, nekunyorwa kwekutsinhanisa kunobatanidza zvigaro zvinogona kunge zvisinganzwisisiki-zvinhu-zvakadai sekuderera mumapurayamisi anotevera-rubatsiro paunowedzera mwana mutsva purogiramu, kana kusina kuchinja mushure mekubhadhara premiums apo imwe nhengo yemumhuri inoshandura kune dzimwe nhepfenyuro, saMedare.
Pane dzimwe pfungwa shomanana dzinofanira kuchengeta mupfungwa apa:
- Idzi rubatsiro rwakagadzirirwa kukonzera mari yaunobhadharisa imba yako kuburikidza nekushandura. Asi mari iwe unobhadhara kune imwe nharaunda kunze kwekutsinhanisa (semuenzaniso, kubva kune waanoshandira, kana kubva kuMedare) haisi kushandiswa kumuganhu.
- Imba yako yose yemari inotorwa mukufungisisa, pasinei nokuti vangani vemhuri vari kunyora muurongwa hwokushandura.
- Nhamba yose yevanhu veimba yako inoverengwa maererano nekusarudza kwaunowana mari yako maererano nehurombo, pasinei nokuti vangani vemhuri vari kunyora muchirongwa chekuchinjana.
- Kune chikamu chikuru, mari yako inofanirwa kuratidzwa pamutero wako wekudzokera. Asi pane urongwa hwekutendera vechidiki kuti varambe vari mu inshuwarisi yehutano hwevabereki vavo kusvikira vasvika makumi maviri nemakumi matatu, pasinei nokuti vabereki vanovati ivo vanovimba navo. Kana mukomana wechidiki akabatanidzwa pane chirongwa chehutano hwehutano hwevabereki vake kuburikidza nekutsinhanisa, mari yechidiki yevaduku yaizowedzerwa kune mari yevabereki kuti vawane rubatsiro rwekubhadhara mari, kunyange kana vakapa mitezo yavo yemitero.
Kaiser Family Family Foundation ine mari yekubatsira inokubvumira kuti usarudze nyika, kana kushandisa svondo reU.S. Pamitambo iyi, tichashandisa svondo reUnited States, asi iwe unogona kutamba uchikomberedza ne calculator uye uwane mamwe nhamba chaiyo yemamiriro ako ega.
Heano mamwe mamiriro ezvinhu achakubatsira kunzwisisa kuti mari inobhadharwa sei uye inosangana sei neimba yako. Muzviitiko zvose, mienzaniso inoshandisa Kaiser Family Foundation calculator, uye mitero inowanikwa mumadhora eUnited States, zvichifunga kuti vanyori vanosarudza chechipiri-yakaderera-mari yeurongwa hurongwa (kureva, chirongwa chekufananidzira).
Waroorana Naye Moving Onto Medicare
Bob naSally Smith vane 60 ne64, maererano. Vose vari kugoverana mukutsinhanisa pasi peurongwa hwekuenzanisa munzvimbo yavo, uye mari yavo yemari inodarika $ 50,000. Kushandisa mari yekurenda yeUnited States, rubatsiro rwavo muna 2018 i $ 1,748 pamwedzi, uye yavo inotevera-rubatsiro rwemari yehurumende yechipiri yepasi-yakaderera purogiramu yesirivha (kureva, chirongwa chekuenzanisa) iri $ 398 pamwedzi (9.56 muzana yemari yavo yeimba, kubva $ 50,000 iri pakati pe300 ne400 muzana yehurombo hwehutano hweimba yemhuri mbiri).
[Cherechedza kuti chiyero chemari inowanikwa nevana vaduku-vanofanirwa kubhadharwa vanobhadhara chirongwa chekufananidzira chiri pasi muna 2018 kupfuura chaive muna 2017, iyo ndiyo nguva yokutanga iyo inenge yava nemakore anopfuura gore inopera.
Vanhu vanowana mari yakafanana muna 2018 zvavakagamuchira muna 2017 zvakaguma nekuderedzwa kuduku mumapurayamisi anotevera-kubhadhara kweurongwa hwekuenzanisa muna 2018.]
Iye zvino ngatimboti Sally anoshanduka makumi matanhatu nematanhatu uye anotamira kune Medicare . Anenge akafanirwa neMurengeti weApriare A , asi iye achava nemari yepamwedzi yeMedareti B , uye kana achisarudza kuwedzera kubhadhara, achawanawo mubayiro weMedigap uye chikamu cheD Part D chirongwa chemishonga kugoverwa .
Asi kunyange zvazvo achange ari kubhadhara mari yemari yezvikamu zveMedare, iyo mihoro inotadza kuverengerwa kune 9.56 kubva muzana yemari inowana mari iyo Smith inotarisirwa kuribhadharira hurongwa hwekuenzanisa.
Saka kana iwe uchimhanya nhamba zvakare, iwe nemhuri yevanhu vaviri asi munhu mumwechete (Bob) ari kunyoresa muchidimbu kuburikidza nekushandura, iwe unouya nemushure mekubhadhara mari ye $ 398 pamwedzi yeurongwa hwechipiri-pasi . Mari yose yekubhadhara ichava $ 621 pamwedzi, zvisinei, panzvimbo ye $ 1,748 pamwedzi kubhadhara iyo Smiths iri kuwanikwa apo Bob naSally vakanga vari purogiramu yekuchinjana pamwe chete.
Izvi ndezvokuti ivo vane imba yevanhu vaviri, uye mari inowana mari ye $ 50,000. Izvi zvinovaisa pa308 muzana yehurombo huripo (2017 mirairo yehutano hwehurombo inoshandiswa kugadzirisa kubhadhara kubhadhara kwezvirongwa ne 2018 mazuva anobudirira; izvi nguva dzose ndizvo, uye nhamba yegore risati yashandiswa kusvikira kunyora kusati kwatanga kunotanga pakuwa).
Sezvo mhuri inowana mari iri pa308 muzana yehurombo huri, huwandu hwemhuri huwandu mushure mekubhadharwa kwepurogiramu yepurogiramu yekuenzanisira mukutsinhanisa ndeye 9.56 kubva muzana yemari yeimba (iyi inenge inoshanda kune munhu ane mari yemhuri pakati pe300 ne400 muzana urombo hwehupfumi; zvikamu zvakaderera kune dzimba dzine mari iri pasi pe300 muzana yehurombo hutsika). Hazvina basa kuti nhengo dzakawanda dzemhuri dziri kunyorwa sei muurongwa hwekutsinhanisa, kana kuti imba yakawanda sei muzvikwereti zveimwe zvirongwa kunze kwekutsinhanisa.
Kuwedzera Wawakaroorana Naye kuGadziriro Yako
Amy naBill vari 51 uye 53. Vanga varoora makore akawanda, uye Amy ave ane hutano inshuwarisi kubva kune waanoshandira. Mushandi wake haaiti kupa mazano kune vakaroorana, saka Bill ave ari kugoverana mukushandura kubva muna 2014 (cherechedza kuti kudai Amy waaishandira akapa kugoverana kune vakaroorana, Bill haaikwanisa kubhadhara mari yekubhadhara chero bedzi Amy's inshuwarisi yakanga yakabhadhara nokuda kwekuzvimirira kwayo chete-ino inozivikanwa semhuri inobwinya , asi haina kushanda munyaya iyi kubva paBill akanga asingakodzeri kubatana neurongwa hwa Amy).
Amy naBill mari yemari inowanikwa iri $ 48,000 pagore. Kubva pamwero weUnited States, Bill anokwereta $ 377 pamwedzi muna 2018 nokuda kwechirongwa chekufananidza mukutsinhanisa, uye mari inosara $ 389 pamwedzi yakafukidzwa nemubatsiro wake.
Iye zvino ngatitii Amy anoshandira akamira kupa inshuwarisi yehutano. Kurasikirwa kwekugovera kune chiitiko chakakodzera , zvinoreva kuti Amy anogona kunyora muurongwa mumusika mumwe nomumwe. Kana iye akabatana naBill purogiramu yake, mari inotevera-rubatsiro rwechirongwa ichi chichave iine $ 377 pamwedzi, asi rubatsiro runosvika ku $ 1,089 pamwedzi. Amy naBill vachiri imba yemhuri mbiri, uye mari yavo inowanikwa yakafanana 296 muzana yehurombo huripo kare. Saka ivo vachiripo kubhadhara chikamu chimwechete chemuhodha wavo kune chirongwa chekufananidza muchitsinhanisi-chinongorira vaviri vavo ikozvino, pane imwe chete.
Izvi zvinenge zvakasiyana, zvisinei, kana Amy naBill vakanga vatsva. Kuroora zvakare chiitiko chakakodzera, uye kufunga kuti Amy akanga asina ruzivo kubva kune waaishandira, aizodai akakodzera kubhadhara mari inoshandiswa. Asi vasati varoorana, Bill angadai akave imba yemumwe chete, ane chete mari yake yaanowana kuverengerwa kubhadhara-kukodzera kugadziriswa. Pane imwe nguva vaviri vakaroorana, mari yavo inowanikwa pamwe chete, uye ivo vari vaviri veimba (vachifunga kuti havana vamwe vanovimba) maererano nekuenzanisa iyo mari kune urombo.
Ngatitaurire kuti mari yaBill ndeye $ 20,000 uye Amy's $ 28,000, uye hapana kana mumwe wavo anokwanisa kugadzirisa hurongwa hwevashandi. Vasati varoora, Bill anorayira $ 79 pamwedzi purogiramu yekuenzanisa muna 2018, uye mari yebhadharo ye $ 687 pamwedzi inobhadhara chikamu chake chokutanga. Amy anokwereta $ 174 pamwedzi, uye rubatsiro rwayo ndedhara $ 526 pamwedzi.
Kana vachinge vakaroora, mari yavo yemhuri ndeye $ 48,000. Mari yavo yekuzotevera-kubhadharwa kwepurogiramu yekufananidzira kwevari vaviri yava iye zvino $ 377 pamwedzi, uye mari yavo yose inobhadhara $ 1,089 pamwedzi.
Chikonzero chavari kubhadhara zvikwereti zvepasimusi mushure mekunge varoora ndeyekuti mhuri yavo yose yakawana mari yepamusoro yehurombo hwehutano hweimba yevaviri kune imwe yeiyo yaiva neimba yemumwe. Kuti vagamuchire rubatsiro, vakaroorana vanofanira kuisa pamwe chete mutero wekudzoka-ivo havakwanisi kuisa zvakasiyana uye vachitsvaga mari yepamusoro yekubatsira kwavakaita vasati varoora.
Kuwedzera Mwana
Muna 2013, hurumende yehurumende yakagumisa mitemo yekuisa mitero muAACA-inoenderana nemusika wekutengeserana. Mutemo wokupedzisira unotaura kuti kune imba imwe chete, hapana vanopfuura vana vatatu vari pasi pemakore makumi maviri nematanhatu vanoverengerwa nokuda kwechinangwa chokugadzirisa premium yemhuri.
Vana kubva kune makore makumi maviri kusvika pa25 vose vanoverengwa, pasinei nokuti vangani variko, kana kuti vana vangani vaduku vanopfuura 21 vari mumba.
Tom naRenee vane makumi mana ne39, uye vane vana vatatu, makore maviri, mana, uye vanomwe. Vanowana $ 80,000 pagore, uye mhuri yavo inyoresa purogiramu yekuenzanisa kuburikidza nekutsinhanisa. Kubva pahuwandu hwehuwandu hweUnited States, vari kubhadhara madhora 595 pamwedzi nekuda kwekugoverwa kwavo, mushure mekubhadhara mari ye $ 1,221 pamwedzi inotora purogiramu yakasara.
Kana Tom naRenee vane mwana wechina, vacharamba vari kubhadhara madhora 595 pamwedzi, uye rubatsiro rwavo rucharamba ruine $ 1,221 pamwedzi. Vanogona kuwedzera mwana mutsva purogiramu yavo (iyo inofanirwa kuitika ), asi ma-pre-subsidy rates haazoshanduki, saka kunyange mari yavo inobhadharwa kana mari yavo yema-premiums.
Enzanisa izvozvo nedzimwe nzira iyo Tom naRenee vane vana vaviri, uye vowedzera mwana wechitatu kumhuri yavo. Pakutanga, ivo mhuri yevana, uye shure kwavo-rubatsiro rwemari yehurumende ye $ 637 pamwedzi, nebhasiro ye $ 891 pamwedzi vachiunganidza zvese (nyora kuti premiums yevana inoshandiswa kungosiyana chete zvichienderana nezera apo mwana akatora makore 21, asi kubva muna 2018, premium dzevana dzinotanga kuwedzera kana dzava nemakore 15. KwaTom naRenee, izvi hazvisi chinhu, sezvo vana vavo vari vaduku kupfuura 15).
Kamwe kana mwana wechitatu akaberekwa, ivo mhuri yevashanu, uye shure kwavo-rubatsiro rwekubhadhara mari ye $ 595 pamwedzi, mushure mekubhadhara mari ye $ 1,221 pamwedzi. Kubhadhara kwavo shure-kubhadhara kunowira pasi pavanowedzera mwana wechitatu, nokuti mari yavo inowanikwa iye zvino muzana shoma yehurombo, sezvo vakava imba yevashanu panzvimbo yechina (heino chati inoratidza mararamiro ehutano hwemhuri chikamu chehurombo huri pamari yakasiyana-siyana)
Asi ngatitii Tom naRenee vane mari ye $ 140,000 pagore-zvakanaka pamusoro pechikumbaridzo chekubhadhara mari, kunyange nevashanu vemhuri. Muchiitiko ichocho, ivo vaizobhadhara mubayiro wakakwana ivo pachavo. Kana vachibva kubva kuvana vatatu kusvika kune mana, havangabhadhara mari yepurayamisi. Asi kana vachibva kubva kuvana vaviri kusvika kune vatatu, purogiramu yavo yemhuri yose yepurogiramu yekufananidzira ichakwira kubva pa $ 1,529 pamwedzi kusvika ku $ 1,816 pamwedzi. Nekubhadhara-mari yakakodzera, rubatsiro runotora mari yakawedzerwa yekuwedzera yechitatu mwana. Asi nemari inowanikwa pamusoro pekubhadhara mari inobhadhara, vanozofanira kubhadhara premium yega ivo pachavo.
Tsvaka rubatsiro kana une mibvunzo
Kana uine mibvunzo pamusoro pokuti mashandiro ako emari achachinja sei maererano nekuchinja kwehupenyu hwakasiyana-siyana, unogona kushandisa rubatsiro rwekubatsira, kana kuti uende kune imwe shanduko muhurumende yako kuti ubatsirwe. Mumwe mutengesi anotendwa kana kuti mugwagwa wekufamba munharaunda yako achakwanisawo kukubatsira kuti uite zvose zvese, uye hapazovi nemhosva yebasa ravo.
> Sources:
Zvikamu zveMedare uye Medicaid Services, Centre reKutengesa Mashoko uye Inishuwarenzi Kutarisa, Kukurukurirana: Chigumo Chekushandisa Utano Inishuwarenzi Inoshandurwa .
Mhuri USA. Federal Poverty Guidelines.
Internal Revenue Service. Revenue Procedure 2017-36 .
Kaiser Family Foundation, Health Insurance Marketplace Calculator.
Office of the Assistant Secretary for Planning and Evaluation, US Federal Poverty Guidelines Akashandisa Kugadzirisa Kwemari Kubvumirwa Kwezvikamu Zvimwe zvehurumende.