Chirongwa chegoridhe rudzi rwehutano inshuwarheni inobhadhara, paavhareji, 80 muzana yehutano hwehutano hwemari. Nhengo dzeurongwa dzinobhadhara mamwe makumi maviri ezana ehutano hwemari yekubhadhara nemari yavo, kubhadhara , uye kubhadhara mari.
Kuita kuti zvive nyore kuenzanisa kukosha kwauri kuwana mari yaunoshandisa pamishonga yehutano yehutano yehutano , iyo inotengeswa Care Act yakagadziriswa zvirongwa zvehutano hwehutano hwezvikamu zvevanhu uye zviduku (asi kwete mapoka makuru eboka).
Aya mazinga, kana matatu, iplatinum, ndarama, sirivha, uye ndarira.
Zvose zvehutano hwehutano hwehupi hupi hupi hupi hunopa huwandu hwakafanana. Pamusoro pegoridhe-mapiranga, kukosha kuri 80 muzana. Zvirongwa zvePlatinum zvinopa 90 muzana inokosha, sirivha ine 70 muzana inokosha, uye ndarira ine 60 muzana inokosha. Munyaya imwe neimwe, kune nzvimbo inogamuchirwa ye -4 / + 2 yegoridhe, yegoridhe, uye platinum zvirongwa, uye -4 / + 5 yezvirongwa zvendarira (chinyorwa chokuti California inotarisa mararamiro acho ku -2 / + 2)
Health Health Insurance Value Inorevei?
Iko kunotaridzika kwekutora kunokuudza kuti zviyero zvipi zvehutano hwehutano hwakarongerwa hurongwa huri kutarisirwa kubhadhara hutano hwahwo huse. Izvi hazvirevi kuti iwe, iwe pachako, uchava nemakore makumi mapfumbamwe ematatu emari yehutano hwako hwekutarisira huripo nemari yako yegoridhe (kana mukati mekurongwa kwegoridhe rakarongwa ye 76-82 muzana). Iwe unogona kunge uine zvishoma kana zvisingasviki makumi mapfumbamwe zvezana zvemari yako inotambirwa zvichienderana nekushandisa kwaunoita chirongwa chako chehutano chegoridhe.
Iko kukosha kweruzhinji kunopararira kune nhengo dzose dzeurongwa.
Zvinhu Zvinowanikwa nehutano inshuwarano yehutano hahudzikidzi zvachose hazvifungidziri paunosarudza kukosha kwerongwa hwehutano. Semuenzaniso, kana chirongwa chako chegoridhe-tier yehutano hachibhadhari mishonga yakawanda-iyo-inoshandiswa pakuvhiyiwa kwezvenyemiti, mahwendefa echando kana krisheni yekubatsira kwekutanga, mutengo wezvinhu izvozvo hauna kubatanidza kana uchiverenga kukosha kwepurogiramu yako.
Zvinhu zvinorongwa nehutano hwehutano hunovhara pasina mari yekugoverana inowanikwa. Saka, kusununguka kuzvisununguka uye kuchengetedza kwekuchengetedza chirongwa chako chehutano chinopa zvinosanganiswa apo kukosha kwepurogiramu yako yakatemwa.
Chii Chauchafanira Kubhadhara?
Iwe uchabhadhara miriyamu yemwedzi yepurogiramu yehutano. Purogiramu yegoridhe yakarongeka inowanzova inodhura kudarika zvigadziro zvepasi zvishoma nokuti zvirongwa zvegoridhe zvinowedzera zvakanyanya kune zvigaro zvehutano hwehutano kupfuura sirivha kana zvirongwa zvendarira. Purogiramu yegoridhe yekugadzirisa inowanzova yakaderera pane yeplatinum plan premium nokuti hurongwa hwegoridhe hunobhadhara chikamu chiduku chezvoutano zvemari pane zvirongwa zve platinum.
[Cherechedza kuti gore ra2018, huwandu hwezvigadzirwa zvepuroni-zvirongwa zvebhuroni zvinowanzove zvisingabhadhari, zvichiteverwa nesirivha, ipapo ndarama, ipapo platinum-hairevi chokwadi. Nemhaka yekuti mari yekudhura kugovana- mari inowanikwa kune mari yekugadzirisa mari yesirivha munyika dzakawanda, zvinoita kuti uwane zvirongwa zvegoridhe zvisingadhuri kupfuura zvigadziri zvesirivha.]
Iwe uchazofanirawo kubhadhara mari yekugoverana sezvikwereti, kubhadhara, uye copays paunoshandisa utano hwako hwehutano. Izvo chirongwa chimwe nechimwe chinoita kuti nhengo dzibhadhe chikamu chemazana makumi maviri kubva muzana yehutano hwehutano huchasiyana. Semuenzaniso, chirongwa chegoridhe chimwe chinogona kuva ne $ 2500 yakaderedzwa yakabatanidzwa pamwe nechepasi 10 muzana.
Purogiramu yegoridhe yakakwikwidzika inogona kuva nechezasi inobviswa paired with a higher coinsurance kana mamwe copays.
Nei Uchifanira Kugadzirisa Golide?
Mukusarudza hurongwa hwehutano, kana iwe usingafungi kubhadhara miriyamu yakakwirira kuti uve nehuwandu hwehutano hwehutano hwako huripo huripo nehutano hwako hwehutano, hurongwa hwegoridhe-huti huchava sarudzo yakanaka kwauri. Kana pfungwa yekubhadhara, paavhareji, chete 20 muzana yehutano hwemari yako kubva muhomwe yako pane makumi matatu kana makumi mana kubva muzana, inokumbira kwauri, ipapo chirongwa chegoridhe chichave chakafanana.
Zvigadziro zvegoridhe zvinogona kufarirwa kune vanhu vanotarisira kushandisa inshuwarisi yehutano hwavo, avo vanotya kuva nemhosva yepamusoro-soro yemari, kana ndiani anogona kukwanisa kubhadhara zvishoma nokuda kwekuwedzera kumwe kwepfungwa kwepfungwa kupfuura zvavanenge vane sirivha kana bronze chirongwa.
Asi sezvakataurwa pamusoro apa, muna 2018 (uye zvichida kupfuura, kutora mabhizimisi vachiri kuwedzera kudiwa kwekugovana-kugovana kuderedza zvigadziriswa mari yepiramu yegoridhe), zvinogona kuita zvinonzwisisika kutenga chirongwa chegoridhe nekuda kwekuti zvisingadhura kupfuura mari yegoridhe, pasinei nekupa zviri nani kugoverana. Kune vanhu vanofanirwa kugadzirisa kugovana-mari , chirongwa chesirivha chinogona kupa zvakakosha. Asi kune vanhu vasingakwanisi kugoverwa mari yekutsvaga (kureva kuti, mari yavo inopfuura 250 muzana yehurombo, kana $ 30,150 kune mumwe chete muna 2018), urongwa hwegoridhe hunogona kuguma kupa humwe huri nani hwekubhadharwa nemahora ekupedzisira.
Sei Uchifanira Kusarura Goridhe Pan?
Usasarudza chirongwa chegoridhe-tier yehutano kana puroimusi yakaderera pamwedzi inonyanya kukosha kwauri. Iwe unogona kunge uine mapurogiramu maduku kana ukasarudza chirongwa chesirivha kana chendarira, panzvimbo (kunze kweizvi, pamusoro apa, mumamiriro ezvinhu apo chirongwa chegoridhe chinoguma chinodhura mari shoma pane chirongwa chesirivha).
Kana iwe uchikodzero yekugoverana mari-mari yekubhadhara nokuti mari yako inowanikwa 250 muzana ye federal paurombo yepamusoro kana yakaderera, iwe unongokodzera kubhadhara mari yekugovera mari kana ukasarudza chirongwa che-silver-tier uye uchitenga pahutano hwehutano inshuwarheni . Iwe haungatori mari yekugoverana mari-mari kana iwe ukasarudza chirongwa chegoridhe kunyange zvazvo mari yako ingave yakaderera zvakakwana kuti uwane.
Kugovana-kubhadhara mari inoshandiswa kunoita kuti iwe weductible, copays, uye coinsurance inoderedzwa kuitira kuti iwe ubhadhara zvishoma kana uchishandisa utano hwehutano. Zvechokwadi, mari yekugovana-mari inowedzera mari inowedzera kukosha kwesarudzo yako yehutano pasina kuwedzera miriyamisi yemwedzi. Zvakafanana nekuwana kusununguka kusununguka kwehutano inshuwarisi. Kana ukasarudza chirongwa chesirivha panzvimbo yeurongwa hwegoridhe, mari yako yekugovera rubatsiro inogona kukubatsira kuti uwane kukosha kwakafanana iwe ungadai wakawana negoridhe kana chirongwa cheplatinum, asi kune mapurogiramu epasi pemazano esirivha. Iwe haugoni kuwana shanduro yakasununguka kana ukasarudza chirongwa chegoridhe.
> Sources:
> Dhipatimendi Rezvoutano uye Human Services. Mucherechedzo kuchengetedzwa uye kutengesa zvakanyanya kuchengetedzwa kweMutemo, Market Market Stabilization . April 13, 2017.
> Dhipatimendi Rezvoutano uye Human Services. Murwere Anodzivirirwa uye Anogadziriswa Care Care Act; HHS Chinyorwa cheBatsiro neZokubhadhara Zvikamu zve 2018; Kugadziriswa Kunyoresa Kwemazuva Akazotevera uye Mutengi Akashandiswa uye Akarongeka Zvirongwa Purogiramu. December 22, 2016.