Zvinhu Zvinokosha Zvokuziva Nezveutano Inishuwarenzi Inobatsira

Mashoko Akakosha Pamusoro pehutano hweUnited Insurance

Kana iwe unofarira rubatsiro rwehurumende kuitira kuti uite inshuwarano yehutano (uye mune dzimwe nguva, yako yekunze yehomwe mari) inodhura, kune zvinhu zvakawanda zvinokosha zvaunoda kuziva.

1 -

Kune Zvakawanda Kupfuura Rudzi Rumwe Rwenhare

Inotengeswa Care Care Act yakasika marudzi maviri ehutano inshuwalense rubatsiro. Iwe unogona kushandisa zvose panguva imwe chete kana iwe uchikodzera zvose.

Vanhu vakawanda vanofanirwa kubhadharwa mari yekubhadhara mari yechikwereti , iyo inoderedza mari yemaripo yepamwedzi yaunobhadhara kuti utenge inshuwarhu yehutano. Mvumo yekubhadhara iyi inowedzera kusvika ku400 kubva muzana yehurombo, iyo inodarika $ 98,400 yemhuri yevana muna 2018. Muna 2017, 84 muzana yechitsinhanisi vanyoresa kukwanisa kubhadharwa mari yepamusoro.

Kunewo mari yekugovera mari, yakagadzirirwa kubatsira kuderedza mari yako nguva imwe neimwe yaunoshandisa utano hwako hwehutano. Kana iwe uchikwanisa kubhadhara mari yekubhadhara mari, iwe uchakwanisawo kubhadhara mari yepayimusi. Asi izvozvi hazvirevi zvechokwadi kutendeuka. Kubhadhara mari yekubhadhara mari kunowedzera kusvika ku 250 muzana yehurombo uhu ($ 61,500 nokuda kwemhuri yevana muna 2018), uye inongowanikwa chete kana iwe uchitenga chirongwa chesirivha mubasa. Kubhadhara mari-kubhadhara kunoderedza mari yaunobhadhara mukugovana-kugovana zvakadai sekudzvora , copays uye coinsurance . Inogonawo kuderedza kubhadhara kwepamusoro pehomwe iwe unobhadhara gore roga roga kana uine hutano hwakawanda hwekutarisira mari. 57 muzana yechitsinhanisi vanonyora muna 2017 vakanga vachiwana mari-kugovera rubatsiro.

2 -

Tora paKushandura, Shandisa Izvo paKushandura

Nzvimbo chete iwe unogona kuwana inshuwalheni yehutano yehutano ndiyo yehutano yehutano inshuwarheni. Nzvimbo chete yaungashandisa rubatsiro ndeyehutano hwehutano hwehutano.

Kugamuchira rubatsiro rwekugovana-mari, unofanirwa kusarudza urongwa hwehutano - wehutano kubva pakutsinhanisa kwako. Kana ukasarudza bhandi, goridhe kana chirongwa cheplatinum, haugoni kuwana mari yekugovera mari kunyange kana ukawana zvimwe zvese zvinodiwa.

Mari yako yekubhadhara mutero wekwereti inogona kushandiswa kune chero hurongwa hwesimbi-tier pakutsinhanisa, asi kwete purogiramu yakaipa.

3 -

Izvo Zvose NezveMari, Kwete Zvinhu

Inyanzvi yehutano yehutano inowanikwa chete pamari yako inofungidzirwa. Mari inowanikwa mubvunzo ndeyekushandurwa kwako kwakagadziridzwa mari yakawanda, kana MAGI , yegore raunenge uchigamuchira rubatsiro. Izvi zvine zvakakosha.

Chokutanga, kana mari yako inowanzosiyana-siyana gore negore, zvingave zvakaoma kunyatsorongedza mari yako yeramangwana. Gadzirirai zvakanakisisa kukosha kwekuwana mari yako yeramangwana uye gadzirira kutsanangura kuti wakauya sei nekufungidzira ikoko. Kana iwe uchifungidzira kuti mari yako yakashata, iwe uchawana mari yakawanda kana kudukusa mari yakawanda (iwe uchayananisa mutsauko pamutero wako wemutero).

Chechipiri, zvinhu zvako, kuti une zvakawanda zvakadini pakuchengetedza, kukosha kweimba yako uye mari yako yakakosha hakuiti kuti iwe unokodzera kubhadhara mari. Zvose zvinokosha ndezvaunowana . Iwe unogona kuva nemamiriyoni emadhora emari akagara mubhengi rako rebhangi uye uchiri kukwanisa kukodzera rubatsiro rwehutano hwehutano inshuwarheni kana mari yako iri mubhadharo yakakodzera-rubatsiro (izvi zvinoreva kuti zvikamu zana kubva muzana zvehurombo huno-zvinenge 139 muzana mumatunhu iyo yakawedzera Medicaid-uye kwete inopfuura 400 muzana yehurombo uhu; chati ichi chinoratidza izvo zvakaenzana nehutano hwakasiyana hwemhuri).

4 -

Mamiriro ako emitero Nyaya

Kana iwe wakaroora, nzvimbo yako yekunyora inofanira kuiswa pamwe chete kuitira kuti iwane chikwereti chehutano inshuwarheni . Kana iwe wakaroorwa uye iwe ukaparadzanisa iwe pachako, haugoni kukodzera rubatsiro kunyange kana iwe ukawana zvimwe zvose zvinodiwa.

5 -

Inokodzera Kune Zvimwe Zvimwe? Zvichida Hapana Rubatsiro Kwauri

Kana iwe uchikodzera kuhurumende-inotsigirwa nehutano inshuwarheni kana Medicare kana Medicaid, kana chirongwa chinoshandiswa nevashandirwi chinopa huwandu hunokosha uye hunosangana nezvido zvekukwanisika, haugoni kukodzera rubatsiro mukutengeserana. A

Izvi ndezvechokwadi kunyange kana iwe usati wakanyoresa hurumende inotsigirwa kana kuti inoshandiswa-inotsigirwa nehutano inshuwalhu. Ndiko kukodzera kwako kunokutadza iwe nekuda kwekubhadhara.

6 -

Iko Kune Nzira mbiri dzekubhadharwa

Iwe une zvingasarudzwa zviviri zvekugamuchira premium yemari yekubhadhara mari yekubhadhara mari.

Kana ukasarudza kushandiswa kwekubhadhara yakasarudzwa, mari yako yekubhadhara inoenda kune imwe yehutano yekambani yehutano yehutano pamwedzi wega wega kuderedza mari yemwedzi iwoyo wehutano yehutano yepayimende. Iwe haugoni kuona kana kubata mari yekubhadhara, asi mari yaunobhadhara kutenga inshuwarano yehutano mwedzi mumwe nomumwe yakaderera pane zvaizove iwe kana iwe usina kuwana rubatsiro.

Zvimwe, iwe unogona kuwana mari yako yokubhadhara mune imwe muhomwe mushure mushure mekuguma kwegore iwe paunoshandisa yako federal mubhadharo wemitero. Zvose zvegore rose wepayimari yemari yekubhadhara mari yechikwereti zvichawedzerwa kune chekudzorera mari yako. Kana iwe usiri kuwana mari yekubhadhara nokuti iwe uchiri nemari yemitero, rubatsiro runobvisa zvaunokwereta. Kana ukasarudza sarudzo iyi, iwe uchabhadhara mutengo wakakwana wepirisi yehutano yehutano yako mwedzi wega wega mukati megore, asi iwe uchazobhadharwa nokuda kwechimwe chezvikwereti izvozvo paunotora mitero yako.

Muzviitiko zvose izvi, iwe unofanirwa kutenga kugoverana kuburikidza nekutsinhana kuitira kuti uwane rubatsiro. Kana uri kuronga kubhadhara mutengo wakakwana gore rose uye kubvunza rubatsiro pamutero wako wekubhadhara, unongokwanisa chete kuita izvozvo kana iwe wakatenga chirongwa chako mune shanduko yako yehurumende.

7 -

Iwe Unogona Kuva Uchibhadhara Idzo

Kana iwe ukawana mari yakawanda yekubhadhara kupfuura iwe unofanirwa kuva nayo, iwe unogona kunge uchiripira zvakare. Izvi zvakakosha kune vanhu vanosarudza purogiramu yakasarudzwa yekubhadhara mubhadharo wavo wekubhadhara mutero.

Heino nzira iyo inoshanda. Ngatiti iwe unoshandisa rubatsiro rwegore rinotevera. Iwe unofungidzira mari yegore rinotevera ichava $ 35,000, uye rubatsiro rwako rwekubhadhara runogadzirirwa zvichienderana nekufungidzira ikoko. Mwedzi woga woga gore raitevera, mari yako yekubatsira inoenda kune imwe yeruzhinji yehutano inshuwarisi.

Paunoshandisa yako federal mubhadharo mushure megore rapera, unoona kuti iwe wakagadzira $ 45,000.

Paunenge uchiisa mitsara yako, mari yekubhadhara iwe yawakagamuchira zvichienderana nemari yako inofungidzirwa ichaenzaniswa nemari yaunofanira kunge yakagamuchira maererano nemari yako chaiyo. Sezvo iwe uri pasi-uchifungidzira zvaunowana ne $ 10 000, iwe wakagamuchira mari yakawanda yekubhadhara kupfuura iwe waifanira kuva nayo. Iwe unogona kunge uchibhadhara mutsauko.

Kune nzira nhatu dzekudzivisa mamiriro ezvinhu aya:

• Zivisai bharesheni yako yehutano yehutano kana iwe uri kuwana rubatsiro uye iwe unoziva kuti mari yako chaiye ichave yakasiyana nezvakafungidzirwa iwe paunoshandisa rubatsiro rwekubatsira. Semuenzaniso, kana iwe ukawana kusimudzwa, udza utano hwako hwehutano inshuwarheni. Kushandurirana kuchagadzirisa rubatsiro rwako rwegore rose kuti ikubatsire kurega kubhadhara mari ipi zvayo zvakare.
• Edzai mubayiro wenyu zvakarurama kana iwe ukakumbira rubatsiro.
• Usasarudza chekubhadhara yakasarudzwa. Unganidza mari yako yokubhadhara iwe paunotora mitero yako mushure mekuguma kwegore panzvimbo. Panguva iyoyo, iwe uchaziva chaizvo zvawakawana iwe.

Kana iwe unopedzisira wagamuchira purogiramu yakawanda yekubhadhara kupfuura iwe unofanirwa kuva nayo, IRS inotora chikwereti chaunofanira kubhadhara (ine majoko akasiyana zvichienderana nemari yako), kunze kwekuti mari yako inoguma inopfuura 400 muzana yehurombo uhu. Kana izvozvo zvikaitika, iwe unofanira kubhadhara mari yakazara yebhadharo yepayimusi ipi yawakagamuchira mukati megore.

Kune rumwe rutivi, kana mari yako inopedzisira yakaderera pane yawakafanirwa negore (asi richiri mubhadharo-yakakodzera kukodzera, panzvimbo yeMedicaid-yakakodzera kukodzera kana Medicaid kuparadzaniswa kwepakati mune imwe nyika isina kuwedzera Medicaid) , iyo inowedzera premium rubatsiro ichawedzerwa pamutero wako wekubhadhara mutero, kana kushandiswa kugadzirisa mutero wemitero iwe unokwereta kana iwe usina kukodzera kubhadharwa.

8 -

Kwokudzidza Kwakawanda

Pasi pane mamwe masayiti ane ruzivo rwezvehutano hwehutano hwehutano:

Ndingawana Rubatsiro Kubhadhara Utano Woutano? Peji ino inopa muongorori wemishonga yehutano yehutano uye ichakubatsira kuti uone kana iwe uchikwanisa kubhadhara mari.

Ko Premium Health Health Subsidy Basa Ipi? Iri peji richakudzidzisai mari yakawanda yekubhadhara mari yaunowana kubva pamutengo wekubhadhara mutero, pamwe nemitemo inobatanidza nayo.

Dzidza zvakawanda pamusoro pekubhadhara mari-kugoverwa muNzira Iyo Kugovana-Kugoverana Kwehutano Inishuwarenzi Inoshandiswa uye Inobatsira Sei Kubatsira Kuderedza Pasi Yenyu-Yese-Yakawanda Yakawanda Mabasa .