Kuronga pakuzvipira? Kunyangwe iwe uri kuve uchipa rubatsiro kuvanhu kuburikidza nebasa rako rekuzvipira, sangano haisi nguva dzose sechipo pakutarisira vanozvipira sezvazviri pakutarisira vashandi varo vanobhadhara. Kunyange zvazvo 55% yevanhu vakuru vezera rekushanda muUnited States vaiva nevashandi-vaibhadhara inshuwalhu yehutano muna 2013, musatarisira sangano renyu rekuzvipira rinopa hutano inshuwarheni.
Kunyange zvazvo mamwe masangano makuru anozvipira aine mari, vakawanda havaiti.
Kana uchizozvipira, iwe hausi kungoda utano hwehutano, iwe unoda zvimwe savvy kuti uende kunyika yakaoma yehutano yehutano inshumo. Kana iwe uri mutemo unogara kuU.S., kana iwe uri wekugara iwe, weAgordable Care Act inoda kuti iwe uwane inshuwarhu yehutano inosangana nekududzirwa kwechinguva chinokosha kukosha. Kana iwe usingaiti, iwe unogona kubhadhara mutero wemitero , munhu wacho akagoverana mutoro wemhosva .
Dzidza kuti mutengo wako waizove wakadii . Ona kana iwe ungasunungurwa kubva pane chirango .
Heano pane zvaunogona kuita zvehutano inshuwarheni yekugoverwa sekuzvipira.
Kuzvipira kune Sangano Rinopa Inishuwarenzi yehutano
Mamwe mapoka makuru, anozivikanwa, anotsigirwa nemari anobatsira anopa vamwe vanozvipira nguva yakazara vane utano hwehutano inshuwarheni. Peace Corps, AmeriCorps, Lutheran Volunteer Corps, uye masangano ayo ari nhengo dzeKaturike Volunteer Network ndevamwe vavo.
Kana ukasarudza kuzvipira kune sangano rinopa hutano inshuwarheni inobatsira, bvunza kana inshuwarhu yehutano inosangana neAne Affordable Care Act yezvinodiwa zvishoma nezvishoma zvakakosha . Kana zvisingaiti uye iwe uri mutemo wekuAmerica, iwe uchada kuwana ruzivo rwunosangana nezvishoma zvakakosha zvinodiwa zvinodiwa, kutarisa nyaya yechirango chemutero kuburikidza kana uchibhadhara kana kuwana chikwereti kubva pane chirango.
Medicaid
Medicaid chirongwa chehurumende yehutano hwehupfumi inopa inshuwarhu yehutano kune vagari vepasi vashoma vemuUnited States. Sezvo Medicaid inotungamirirwa nehurumende, Medicaid inopesana nehurumende kuenda kune imwe nyika. Munyika dzakawanda, iwe unogona kunge wakakodzerwa neMedicaid kana iwe wawana 138% yehurumende yehurumende yepamusoro kana yakaderera.
Zvisinei, Medicaid haisi nguva dzose inopa rubatsiro kune avo vanofamba kunze kwenharaunda yenharaunda yavo. Kana nyika yako Medicaid inoshanda seiyi uye iwe uri kuronga kuzvipira kunze kwenyika, Medicaid haizokubatsiri zvakawanda kunze kwekuti iwe udzoke kune hurumende inopa Medicaid kuparidzira kana iwe uchida utano hwakanaka.
Mishonga Yemazuva Ekupedzisira Youtano
Urongwa hwehutano hwenguva pfupi hunogona kutengwa zvakananga kubva kune imwe kambani yehutano inshuwarisi kana kuburikidza nemutengesi. Zvirongwa zvenguva pfupi zvehutano zvirongwa zvinopa kugoverwa kwenguva yakati kusvika kumwedzi mitanhatu uye hazvigadziriswi. Mune dzimwe nyika, unogona kutenga imwe chirongwa chenguva pfupi apo hurongwa hwako hwekutanga huchapera, nokudaro kubudirira kukupa gore rekuparidzira. Mune dzimwe nyika, haugoni kutenga shure-kushure kwekuvhara kwenguva pfupi; iwe unenge uine mwedzi mitanhatu yekuvhara.
Zvikomborero zvinowanzove zvakaderera kumapurogiramu emigumo kwenguva pfupi kunze kwekurapa kwechiremba zvakakwana, asi pane zvikonzero izvi zvirongwa zvinodhura zvishoma kudarika zvakajeka kugoverwa.
Zvirongwa zvenguva pfupi hazvifaniri kuita maererano nezvose zvinotengeswa nevatengi muNhepfenyuro Inotarisira Care Act. Izvi zvinoreva inshuwalhu yemazuva mashoma yehutano inshuwarisi ichiri pasi pekunyora pasi; iwe unogona kuisa iyo isingabatanidzi mamiriro ako ehutano aripo kare kana kuti inokwidza zvikwereti zvakakwirira nekuda kwavo. Inogona kutengesa zvimwe kune vakwegura kupfuura kuvaduku. Inogona kuisa miganhu yepamusoro yekuti ichabhadhara mari yakawanda sei muchiitiko kana iwe uchirwara kana wakakuvara, uye zvingave zvisingabatanidzi kugoverwa kwemamwe marudzi ehutano. Semuenzaniso, kubviswa kwemazuva ose ndiko kutarisirwa kwekurera.
Nemhaka yezviito izvi, hurisivhesi yenguva pfupi yemautano inshuwarisi haigutsikane neExpordable Care Act yehutano hunokosha hunodikanwa hwekugovera basa; iwe uchazofanira kutarisana nemutero wekuteresa.
Travel Insurance
Kana iwe uchifanira kufamba rwendo rukuru kusvika kune nzvimbo yako yekuzvipira yebasa, funga nezvehutano inshuwarisi . Kunyange zvazvo inshuwarisi yekufambisa inowanzovhara zvinhu zvakadai sekurasikirwa mitoro uye mari yakawedzerwa mari inowanikwa nekuda kwekufamba kwenguva kunonoka, zvirongwa zvizhinji zvehupfambisi dzehupfumi dzinosanganisira chisarudzo chekuvhara kurapa.
Sezvo nehutano hwehutano hwehutano, inshumo yekugoverwa kwehutano ye inshuwarisi yekufambisa haisi pasi pezvose zvinotengeswa nemitemo ye Care Care. Inogona kubvisa mamiriro ezvinhu akambovapo, kusabatanidza kugoverwa kwemamwe marudzi ezvinetso zvezvehutano, uye kugadzirisa chikwereti chayo chakanyanya. Semuenzaniso, zvinowanzoitika pakufambiswa kwehushuwarenzi kurega kugoverwa kwekukuvadzwa kwakabatana nekubatanidzwa mumitambo yakanyanya kufanana nekumhanya bungee uye kiteboarding.
Chimwe chikomborero chikuru chekufambisa inshuwarisi: inogona kusanganisira kurega kuvhara. Izvi zvinogona kubatsira kubhadhara mari dzinobatanidza nekukutakura iwe kubva kune imwe nzvimbo kure nechipatara chinogona kurapa chirwere chako kana kukuvara. Dzimwe nguva unogona kuvandudza ruzivo urwu kuti upe ruzivo rwekutakura iwe kwete kungoenda kuchipatara chiri pedyo chinokwanisa kukuchengeta iwe, asi kuchipatara chaunosarudza. Semuenzaniso, kana iwe uri kuzvipira pakati peAfrica, kugoverwa uku kunogona kuisa mutsauko pakati pekuendeswa kune chipatara munzvimbo yakakura yevanhu vanozvipira nzvimbo yenzvimbo yako, uchiendeswa kune chimwe chipatara kune imwe nyika yakabudirira iri pedyo neSouth Africa, kana kutamirwa kudzokera kuchipatara munyika yako yekwako.
Zvisinei, zvakare zvakare, inshuwarisi yekufambisa haina kugutsa gwaro reNecordable Care Act kuti uve nehutano hwehutano hwehutano.
Chikamu Pasi Pemhuri Yenhengo yemhuri Inishuwarenzi yehutano
Kana uri pasi pezera remakore makumi maviri nemaviri uye umwe wevabereki vako anogara muUnited States uye ane utano hwehutano inshuwarheni, unogona kuwana utano hwehutano huri pasi peurongwa hwake. Izvi ndezvechokwadi kana iwe uchigara nevabereki vako uye kana usati waroorana. Kana ukangosvitsa makore makumi mana nemasere, uchafanira kuwana zvimwe zviitiko, asi iwe unenge uine zvingasarudzwa .
Kana iwe wakaroorana uye wako wako ane inshuwalhu yehutano, tarisa kuwanikwa pakugovera pasi peurongwa hwake hwehutano. Vamwe vashandi vanobatsira kunyange kubvisa mari yekubhadhara kwemwedzi yevashandi vevashandi vavo.
Nezvo zvose izvi zvingasarudzwa, kana iwe uchange uchibva kunze kwenyika nekuda kwekuzvipira kwako, tsvaga kuti iyo inshuwarisi inobata chirwere kana kukuvara kunowanikwa kune imwe nyika. Mamwe anovhara zvinhu zvinongoerekana zvaitika, vamwe havangatauri kunze kwese kune imwe nyika, uye vamwe vanopa kugovera zvizere asi bedzi kana mave kune dzimwe nyika kwenguva shoma.
Nhau dzakanaka pamusoro pemhando iyi yekuparidzira: kana mubereki wako kana mudzimai wako achinyanya kuparidzira kuburikidza nebasa rake, inenge inenge yakawanda sezvinodiwa zvishoma nezvishoma kugoverwa. Iwe haufaniri kutarisana nechirango.
Obamacare
Kana iwe uri mugari wenyika kana mutemo unogara muUnited States, funga kunyora mune chirongwa cheBobamacare chakatengeswa kuburikidza nenyika yako ine Affordable Care Act yehutano inshuwarano . Zvose izvi zvinoratidzika sekuti hazvisi zvinyorwa zvinokosha uye zvinopa zvipo zvakakwana pasina mhedzisiro yekuti vangabhadharwa zvakadini kune utano hwako.
Uyezve, unogona kukodzera rubatsiro kubhadhara utano hwehutano uchatenga kuburikidza nekushandura kwenyika yako. Hurumende inopa rubatsiro rwekuita inshuwarano yehutano inotengesa kune avo vane mari yekuwana mashekeri 400% ehurumende paurombo hwepamusoro kana pasi. Pane humwe rubatsiro rwekubatsira kubhadharira kubhadhara uye kubhadharwa kune vanhu vane mari yepasi pe 250% yehurombo hwehutano.
Verenga Nhaurirano imwe neimwe yeZvibatsiro neKubatanidzwa zvakanyatsoita kuti uve nechokwadi chokuti iwe uchava nehuwandu kana uchida kuenda kunze kwenyika, sezhinji vasingatauri kuparidzira pavanenge vachienda kune dzimwe nyika. Kana chirongwa chaunenge uchitarisa chirongwa chekutarisira chinotarisirwa, tarisa uchinyatsotarisa kumuteresi webhutori kuti uone kuti uchakwanisa kuwana vapeji munzvimbo yebasa rako rekuzvipira.
Obamacare Catastrophic Coverage
Kana iwe uri pasi pemakore makumi matatu nemakumi matatu uye uri mugari kana mutemo unogara kuU.S., unokodzera kutenga chirongwa chinotyisa chehutano pahurumende yako ye Affordable Care Act yehutano inshuwarano. Zvirongwa zvinoparadza zvinogona kuva zvishoma kudarika zvirongwa zvehutano nguva dzose asi dzine zvakanyanya kukwaniswa . Nemhaka yekuti deductible yakakwirira zvikuru, zvirongwa izvi zvinonyatsokodzera avo vasingatarisiri kuti vawane kushandisa inshuwarisi yehutano hwavo, kana avo vane mari yakawanda iyo inogona kukwanisa kubhadhara zviuru zvemadhora kubva muhomwe yehutano husati vasati vashandisi yehutano inopera.
Kana iwe uri nemakore makumi matatu kana kupfuura, iwe hausi wekodzero yekutenga chirongwa chakaipa. Zvisinei, kunze kwemutemo uyu unobvumira avo makumi matatu nevekare kuti vatenge chirongwa chinoparadza kana ivo vakatanga kuwana dambudziko rekusununguka kubva kunehutano hwehutano inshuwalhu.
COBRA
Kana iwe iye zvino uine inshuwarhu yehutano kuburikidza nebasa rako, kunyange mushure mokunge iwe uchisiya basa rako iwe unogona kukodzera kuramba uchienderera mberi kusvika kumwedzi 18 uchishandisa kuenderera mberi kweCOBRA. Pasi paCOBRA, iwe uchabhadhara chikamu chemari yepuraimisi iyo yaisati yabuda mune imwe neimwe yekubhadhara kwako uye chikamu chepamuro yako yawakashandisa kubhadhara. Uyezve, iwe uchabhadhara 2% mari yekutungamirira.
Vatungamiri veCOBRA vanogadzirisa havakwanisi kudonhedzera zvakanyanya nekubhadhara kwekupedzisira; kana iwe uchingopera zvishoma pamubhadharo, iwe unogona kurasikirwa nekushambadzira kwako kweCOBRA zvachose.
Kana Uri Kuzvipira kune imwe nyika kune Gore kana kupfuura
Kana iwe uchizvipira kunze kweUnited States kwegore kana kupfuura, unogona kunge uine zororo kubva pamutero wekubhadhara wekusabvumirwa. Vaya vari mune imwe nyika kana nyika kune mazuva makumi matatu nemazana matatu egore vangave vakakodzera kusunungurwa kubva kumutemo kuti vave nehutano inshuwarisi.
Mitemo inotungamirira kuregererwa iyi yakaoma, saka taura nemupi wezano wako wekuteresa usati wafunga kuti iwe uchakodzera. Iwe unoda kusangana nemitemo yakarongwa se "kuvepo kwekuvapo" mu IRS Publication 54 , A Tax Tax yeVadudzi veUnited States uye Resident Aliens Kunze kwepasi.
Dzimwe nyika dzinobvumira vaya vanoshanyira pasi pemamwe marudzi evisa kwenguva yakareba kuti vatenge mune chero yehutano inshuwarisi yenyika. Zvingangodaro izvi zvingave zviripo uye rudzi rwehutano inshuwarisi huripo huchasiyana zvakasiyana-siyana kubva munyika nemunyika.
Kana iwe ukaona ichi chinhu chakanaka munyika umo iwe uchange uri wekuzvipira kwenguva yakareba, tsvaga kugoverwa uye hutano hwehutano hunowanika munyika yako yevaeni iwe usati wasarudza.
Zvibvunze kana iwe unogutsikana kuva nehanya munyika yako yevaeni kana iwe ukarwara zvakakomba kana kukuvadzwa zvakakomba. Kana iwe uchida kudzoka kumba munyaya iyo, iwe unoda zvakare chirongwa chekutarisa kuti iwe uchabhadhara sei kuti uende kunze kumba uye kuti iwe uchabhadhara sei kuchengetedzwa kweutano zvakare muUnited States kana wako nyika yehutano yehutano inshuwarheni haigoni kukufukidza iwe paunodzoka.