Kana iwe warasikirwa nehutano inshuwarano yako uye uri kutsvaga chirongwa chehutano chinoshandiswa, iwe unogona kutya kuziva kuti hutano hwehutano hwehutano hwehutano hwako (uye kunze-kushambadzira mumisika mumamiriro ose ehurumende kunze kweNevada) inokubvumira kuti iwe usayine chirongwa chehutano panguva yekubhabhatidzwa kwegore negore. Asi chii chinoitika kana iwe uri kurasikirwa nehutano inshuwarisi yako uye wava nemwedzi kuti uende mushure mekunyora kuzarura nguva yakatevera?
Iwe unowana sei inshuwarano yehutano uye urege kudzivirirwa?
Nguva Yokunyora Inokosha
Zvichienderana nekuti nei uye nei wakarasikirwa nehutano inshuwarano yako, unogona kunge wakakodzero yekunyora nguva yakakosha pahurumende yako ye Affordable Care Act yehutano inshuwarano (dzimwe nguva, nguva dzekunyora dzinoshanda dzinoshandisa kunze kwekutsinhanisawo). Nguva yakanyora yokunyora inokubvumira kuti iwe usayine inshuwarhu yehutano kunyange zvazvo isiri kunyorwa kuzaruka.
Nguva dzekunyora dzinokosha nguva-dzisingabviri, kazhinji mazuva makumi matanhatu, uye dzinokonzerwa nemhando dzakasiyana dzezviitiko. Kana iwe uchinonoka uye usinganyore muurongwa hutsva usati wapera nguva yako yokunyora yakakosha, unofanira kutarisira kusvikira nguva inotevera yekunyora kuve yakanyoresa. Munguva iyi, unogona kuzviwana iwe kwete uninsuredred chete asiwo uchiisa pasi pechirango cheAACA chokusava nehutano inshuwarisi .
Uri Wekodzero Yokunyorwa Kunokosha Here?
Zvimwe zviitiko zvinokodzera zvinotora nguva yekunyora inokosha (SEP) iyo ichakutendera iwe kunyora kuti uratidze hurongwa hwehutano hwehutano inshuwarheni yako, kana zvakananga kuburikidza nehutano inshuwarisi mutengesi mumushambadzi wekunotengesa.
Izvi kazhinji zvinhu zvakadai sokurasikirwa kweimwe inshuwarisi yehutano uye kuchinja muhukuru hwemhuri. Heano mimwe mienzaniso chaiyo yekukurudzira zviitiko zvinokuita kuti uwane chikamu chekunyora nguva yakakosha:
- Iwe unobviswa uchirasikirwa uye unorasikirwa nebasa rehutano hwehutano.
- Iwe unorambana uye unorasikirwa ne inshuwarhu yehutano yako basa rekare remumwe wako rakapiwa.
- Iwe unosvitsa makumi maviri nemaviri uye hauna kukodzera kubhadhara pasi peurongwa hwehupenyu hwemubereki wako zvakare.
- Wawakaroorana naye anofa achiita kuti iwe urasire inshuwarhu yehutano iyo yaakapa.
- Iwe unobva kunze kwehutano hwehutano hwenzvimbo yako yehutano uye haungakufukidzi pane imwe kero yako itsva (chinyorwa kuti kuenda kunzvimbo itsva ndicho chiitiko chakanaka kana iwe wakatove wakachengetwa neshuwarisi panzvimbo yako yakatarisa).
- Washandi wako anoderedza shure kwebasa rako rekuita achiita kuti usine ineligible kumabasa-based health health insurance.
- Iwe une mwana kana kuti wanoroora.
Mune zviitiko zviviri, nguva dzekunyora dzinokosha hadzisi kushandisa kunze kwekutengeserana. Mune mamwe mazwi, unogona kugoverana mukushandurana nenguva idzi dzekunyoresa, asi kana iwe uchienda kune imwe yehutano inshuwarisi, havabvumirwi kubvuma kuverenga kwako:
- Kuva Native America (nguva yekunyora inokosha inopfuurira gore rose)
- Kuwana usununguko hwekuAmerica kana kupa mutemo wepamutemo yekugara kwekuAmerica
Chinhu chimwe chete chisingatori nguva yekunyora chaiyo kurasikirwa nehutano yveshuwarisi nokuti iwe hauna kubhadhara mari yemwedzi yemwedzi kana kuti nekuda kwekuda kwako kubvisa kugoverwa. Izvi hazvisanganiswi sechiitiko chinokonzera nokuti chinozobvumira vanhu kutamba mitambo uye kushandura kune chirongwa chitsva chehutano chero nguva vaida.
Semuenzaniso, unogona kutenga chirongwa chehutano nehuwandu hwehupfumi husina mari uye uchinje kurongwa nehuwandu hwekugoverwa paunorwara. Izvi zvingakunda chinangwa chekunyora kwekuzaruka kwenguva.
Kurasikirwa kwebasa uye / kana kudonha mumari haisiwo chiitiko chakakodzera kunze kwekuti iwe watotonyora muchirongwa kuburikidza nekutsinhanisa, kana iwe unogona kuva nemukana wokutsvaga pane imwe chirongwa. Asi kana iwe wakanyoresa chirongwa kunze kwekutsinhanisa - nokuti iwe hauna kukodzera kubhadharwa apo iwe wakanyoresa, somuenzaniso - uye iwe unorasikirwa nebasa rako pakati pemakore, iwe haungave nemukana wokutsvaga kurongwa mu the exchange at that point.
Kunyoresa Kunyoresa Zvakananga
Heino muenzaniso.
Iwe une inshuwalhu yehutano kuburikidza nebasa rako, asi kambani yako haisi kuita zvakanaka kwazvo mune zvemari. Mwedzi inoverengeka mushure mekuti Obamacare inotanga kuzarura nguva yakavhara, iwe unobviswa uchirasikirwa nehutano hwehutano hwehutano.
Iwe unogona kunge uchikodzero yekuenderera mberi urongwa hwako hwehutano huripo uchishandisa kuenderera mberi kweCOBRA, asi pane kudaro, unosarudza iwe unoda kuwana chirongwa chitsva chehutano pahutano hwehutano hwehutano hwako. Iwe unokodzero yekunyora nguva yakakosha nokuti iwe wakangobva kurasikirwa nebasa rako rehutano hwehutano nekuda kwekuregererwa (chinyorwa kuti iwe unokodzera kuwana urongwa mumusika mumwechete-kana kuvharidzira-kurega-kunyange iwe iwewo ivai nesarudzo yekuenderera mberi nebasa renyu rekuchengetedzwa kwebasa kuburikidza neCOBRA.Uve nemakore makumi matanhatu ekusarudzwa kwemazuva makumi matanhatu ekutora COBRA kana urongwa hwemusika wega, uye iwe unobvumirwa kuchinja pfungwa dzako mukati mawindo remazuva makumi matanhatu zvakare, risina 't nyaya pamberi 2017).
Iwe unoenda kuhutano hwehutano inshuzha yewebsite kana kudana shanduro yako kwemavhiki mashoma gare gare nekunyora mune chirongwa chitsva chehutano. Kana chirongwa chako chawakashanda chikafukidza mukadzi wako nevana, vanogona kukodzera nguva yekunyora, zvakare. Iwe unogona kunyora chimwe nechimwe kune imwe yehutano inshuwarhu kana iwe unogona kuwana chirongwa chemhuri pakutsinhanisa.
Sezvo mari yako yawana mari yakakonzerwa nokuiswa pasi, iwe unogonawo kukodzera rubatsiro rwekubatsira kukubhadhara mari yemishonga yemishonga yemishonga yehutano yepamwedzi. Kubhadhara rubatsiro kunobva pane zvaunowana uye kunogona kubhadharwa zvakananga nekambani yako yveshuwarisi yekuderedza mari yaunofanira kubhadhara mwedzi woga wega wekugovera. Iko kunewo rubatsiro rwekubatsira kuderedza zvido zvako zvekugovana mari zvakadai sekudzikinura, mari yekubhadhara, uye coinsurance. Uye, kune rubatsiro rwekudzikisa pasi yako yepamusoro pehomwe .
Mari yekubatsira iyo inoderedza kugovana kwako mari-uye-kunze kwe-pocket yakawanda inonzi kudhura-kugovana kuderedza, kana CSR, uye inongowanikwa chete kana iwe uchikwanisa kuwana mari uye iwe unotora chirongwa chesirivha . Kubhadhara mari yekuderedza miriyamisi yako inogona kushandiswa nemhando ipi zvayo yesimbi (bronze, sirivha, ndarama, kana platinum).
Iwe unoshandisa rubatsiro urwu kuburikidza nehutano hwehutano inshuwarano sezvauri kuenda kuburikidza nehutano hwehutano hwekunyoresa. Kubatsira kunogona kungoshandiswa chete nehutano inshuwalhu yakatengwa pahutano hweHurumende inotengeswa Care Act yehutano inshuwarheni. Saka kunyange zvazvo nguva yako yekunyora yakakosha ichakupa sarudzo yekunyora kunze kwekushandura kana uchida, haugoni kuwana rubatsiro rwekubatsira kubhadhara inshuwarhu yehutano isingatengi kuburikidza nekutsinhanisa kwako (iyo inosanganisira COBRA; kana ukasarudza kuchengetedza chinyorwa chako kuburikidza neCOBRA, iwe unofanira kubhadhara mubayiro wakakwana iwe pachako).
Kwete SEP Kana Uri Kurasikirwa Nhamba Iyo Haisi Yakawanda Inokosha Inokosha
Kurasikirwa kunowanikwa kwekuparidzira kune chiitiko chakakodzera chinoita kuti pave nenguva yekunyora inokosha, asi bedzi kana kuvharidzirwa kuri kurasikirwa kunofungidzirwa kuduku kunokosha kugoverwa. Kana iwe uine chinyorwa chisingaonekwi zvishoma zvakakosha kuparidzirwa (chirongwa chenguva pfupi , somuenzaniso, kana chirongwa chisina kugadziriswa-chibharo), kurasikirwa kwegadziriro iyoyo hakuzoiti nguva yekunyora inokosha.
Izvi zvinonyanya kukosha kuti uone kana iwe uri nehupfumi pasi peurongwa huri pfupi, sezvo iyo mitemo ine mazuva ekugadziriswa asati asarudzwa, uye kubva muna 2017, haagoni kuva mazuva anopfuura 90 munguva yakareba (iyo inogona kuchinja pamwe neMutungamiri Trump yaOctober 2017 hurumende yakarongeka ). Kana hurongwa hwenguva pfupi huripo, zvisinei, hauna kukodzero yekunyora kwechirongwa cheAACA-chinogamuchirika kana chiri kunze kwekunyoresa pachena.
> Sources:
Cornell Univerity Law School, Legal Information Institute, 45-CFR-155.420, Periods Special Periods.
Dhipatimendi reHutano neHuman Services, PPACA; Kugadziriswa Kunyoresa Kwemazuva Akazotevera uye Mutengi Akashandiswa uye Akarongeka Zvirongwa Purogiramu .