Benchmark premium inowedzera: Heino izvo zvaunoda kuziva.
Vhiki yakapera, HHS yakabudisa muongororwo wemapurayamisi emapurogiramu anowanika kuburikidza neHealthcare.gov muna 2016. Chimwe chezvakatora-kureva ndechokuti zvikwereti zvemishandirapamwe zvinowedzera nereji ye7,5 muzana munyika dzose 37 dzakashandisa Healthcare.gov muna 2015 ( pamwe nekuwedzerwa kweHawaii, 38 nyika dziri kushandisa Healthcare.gov kunyorwa pasi pegore panguva yekunyora yakatangwa muna 2016).
Asi zvinorevei izvo zvinorevei?
Purogiramu yekufananidzira ndiyo yechipiri-yakaderera-purogiramu yeSirivha mune imwe nzvimbo. Saka kana iwe uchienda kuHealthcare.gov (kana nzvimbo yako yekushandura shanduko kana iwe uri mune imwe yenyika 13 iyo inoshandisa kugovana kwavo pachavo) uye kuwana mitsara, yechipiri-yakadhura-purogiramu yeSirivha iyo inokwidza ndiyo inofanirwa ronga munharaunda yako. Chikonzero icho chakakosha ndechokuti mari yekubhadhara yakavakirwa pakuchengetedza mari yakasvibiswa yeurongwa hwekufananidza pane imwe nhamba inonzi inotengwa pasi pe ACA.
Mharidzo iyo HHS yakabudiswa vhiki rapera inosanganisira mapurogiramu ekugadzirisa kwepurogiramu yepurogiramu yepurogiramu inyika makumi matatu nemaviri. Asi mukati mehurumende, pane zvirongwa zvakasiyana siyana zvinowanikwa munzvimbo dzakasiyana. Uye kunyange kana chirongwa ichi chakafanana munzvimbo dzakasiyana, mutengo unogona kunge wakasiyana, nokuti nzvimbo yacho ndeimwe yezvinhu zvinogona kushandiswa kugadzirisa zvikwereti.
Mushumo weHHS waisanganisira nyika yose yenyika yebhenchmark premium change, asi yakaisawo muvhareji wepenchmark premium kuchinja mumakumi matatu emaguta makuru.
Iyo dhawuni inobatsira kuratidza kuti mapeamisi ekugadzirisa matanho akasiyana sei munharaunda. Semuenzaniso, kumativi ose enyika yeGeorgia, muvhareji wepurogiramu yepurogiramu yehurongwa huri kuwedzera ne6.1% muna 2016. Asi muAtlanta metropolitan, chirongwa chekuenzanisa chirongwa chichave chave che47% chinodhura muna 2016.
Bhenchmark chirongwa chinogona kuva chakasiyana gore negore
Chimwe chinhu chinonyanya kukosha pakunzwisisa kushandiswa kwepamusoro kwekutanga kwekushandura ndeyekuti chiyero chinogona kuva chirongwa chose chakasiyana kubva kune rimwe gore kusvika kune rinotevera.
Muna 2015, hurongwa hwechipiri-hwekudhura hweSirivha munharaunda yako hunogona kunge huri chirongwa che $ 5,000 chinobviswa kubva kuCarrier X. Asi kana Carrier X inokwidza mitero kupfuura Carrier Y, chirongwa chekufananidzira muna 2016 - munzvimbo imwechete - inogona kuva $ 4 800 chirongwa chakakonzerwa kubva kuC Carrier Y. Apo HHS inotaura kuti chirongwa chepakati pekuita chikwata chiri kuwedzera mumutengo ne7,5% muna 2016, zvinongoreva mari yeurongwa hunotora chikamu chechipiri-chinodhura cheSirivha mukutengesa. Izvo hazvirevi kuti zvinoratidza kuti mari yepayimusi inoshandiswa sei purogiramu inobata nzvimbo yakatarisa muna 2015. Mamiriro ezvinhu ari pamusoro apa, kuchinja kwehuwandu kwaizobatanidza kuenzanisa mutengo weCarrier X muna 2015 uye mutengo weCarrier Y muna 2016.
Saka huwandu huwandu hwema7,5% hwemabhadharo emishandirapamwe hauna kukuudza chero chinhu maererano nemari yepamamiyamu yako yemazuva ano ichachinja. Asi iyo inopa chiratidzo chekubhadharwa kwepayidi yako yepayidi inogona kuchinja gore rakatevera. Zvakare, zvinongowanikwa chete; izvo zvakasiyana zvinosiyana kubva pane imwe nzvimbo kune imwe. Asi kana chirongwa chechipiri-chechipiri cheSirivha munharaunda yako chichange chichidhura muna 2016 kupfuura chaiva muna 2015, rubatsiro rwako ruchave rwakawedzerwa kupfuura rwaiva gore rino zvakare. Uye zvakashata zvakare ndezvechokwadi. Munharaunda iyo purogiramu yekubhadhara ichave yakaderera muna 2016, rubatsiro ruchavawo rwakaderera, sezvo kwete mari yakawanda inotarisirwa kuwana mari itsva yeurongwa hwekufananidzira kusvika kune imwe yepamusoro (Indiana, Maine, Mississippi, neOhio zvose vane pasi penyika yose yevheji yepenimirini yepasimusi muna 2016 kupfuura yaive nayo muna 2015).
Tora nguva yekutengesa
Hapana nzira yekuziva kuti zvirongwa zvako zvakadini, rubatsiro rwako, nemamwe mapurogiramu munzvimbo yako zvichava kusvikira iwe uchienzanidza maitiro anowanika panguva yekunyora kuzarura. Kurega hurongwa hwako hwekuzvitsvaga hunoita kuti utange kushamiswa kana iwe ukawana yako invoice yeJanuary ; kunyange kana iwe uchiziva kukosha kwepurogiramu yako iri kuchinja, kushandura rubatsiro kunogona kukonzera kuwedzera kwepamusoro kana kuderera pane iwe unotarisira. Uye sezvo vatakuri vari kupa zvirongwa zvakasiyana-siyana munzvimbo dzakawanda gore rakatevera, unogona kuona kuti hurongwa hutsva huchapa huri nani kupfuura kuchengeta iyo yaunayo ikozvino. Hapana humwe-hukuru-hunokodzera-dzose kana yava nguva yekuvandudza inshuwalano yehutano - uchitengesa pedo!
Munyika yose, matengo mumushamba wega wega (pamwe nehutano hwematare uye kusanganisira kunze kwekugadzirisa zvirongwa) ari kuwedzera nereji ye12% kusvika 14% muna 2016, achifunga kuti hapana munhu anotengesa kumativi ose uye anoshandura kuronga hurongwa hutsva. Asi kana vatengi vaitenga zvakapoteredza, vanogona kuguma nehuwandu hwekuchinja huwandu hwakadzika kupfuura iyo.
November kusvika January kuzarura kuzarura - mumwe mutengesi chete
Kunyorwa kwakasununguka kwakatanga musi waNovember 1 uye kunopfuurira kusvikira munaJanuary 31 kunoshanda chete kune mumwe munhu wehutano inshuwarheni yemusika. Kana ukawana inshuwarhu yako yehutano kubva kune waunoshandira, firiji rako rekunyoresa rakasununguka rakasiyana. Medicare ine zvigadziro zvayo zvemawindo ekunyora akazaruka uye kuverengwa kweMedicaid / CHIP gore rose. Izvo zvinotarirwa kushandurwa kwekutanga zvinorondedzerwa muhupoti weHHS zvinoshanda kune vanhu vanotenga mumwe munhu inshuwarhu yehutano muAACA-yakagadzirisana muzvikamu 37 zvinoshandisa Healthcare.gov (kunyange zvazvo zvirongwa zveimwechete zvinotengeswa kunze kwekutsinhana mune iyo nyika dzichaona kuchinja kwezvinhu izvo zvakafanana ne-on-exchange exchange rate).