Izinketho Zomshuwalense WezeMpilo Kubantu Abasha Abaguga Ngaphandle Kohlelo Lomzali
Uma usondela eminyakeni engu-26 ubudala, ungase uzitholele kumshwalense wempilo ubophe. Ngaphansi kwezinhlinzeko ze-ACA, abazali bakho abakwazi ukukumboza ngaphansi kwesimiso sabo sezempilo uma uvula ama-26 (nakuba amazwe avunyelwe ukubeka imithetho yawo uma nje engavinjelwe ngaphezu kwe-ACA; isibonelo, i-New Jersey ivumela abantu abadala ukuhlala ohlelweni lomzali kuze kube yi-31).
Kodwa-ke, eneminyaka engama-26 ubudala, intsha eningi ayinayo umsebenzi oqinile onomsebenzi wesikhathi esigcwele ozuzayo ohlinzeka umshuwalense wezempilo.
Uma lokhu kungesimo sakho, unezinketho eziningi zokuthola umshuwalense wezempilo uma uvula iminyaka engu-26 ubudala.
Thenga uhlelo lokushintshaniswa komshwalense wakho wezempilo
Ungathenga umshuwalense wezempilo empilweni yomshwalense wakho wezempilo . Uma unemali engenayo encane, ungase ufanelekele uxhaso lukahulumeni ukuze usize ukukhokhela izinkokhelo zenyanga. Ngomuntu oyedwa, ukufaneleka koxhaso kufinyelela kufinyelelo ye $ 47,520 ngo-2017, kodwa kwezinye izindawo, amaphrimiyamu aphansi ngokwanele ukuthi ukufaneleka kwemali yesibonelelo kuyama emkhawulweni ophansi ongenayo. Kuzodingeka usebenzise ithuluzi lokubhaliwe lokushintshanisa ukuze ubone amanani aqondile endaweni yakho ngokuya kwimali engenayo.
Kuye ngemali engenayo, ungase ufanelekele ukuthola izinsizakalo ezokunciphisa izindleko zakho zokuphuma ngaphandle (kufanele ukhethe uhlelo lwesiliva ekushintsheni ukuze uthole lolu sizo olwengeziwe; uma ufaneleka, umxhaso uzoba ngokuzenzekelayo kufakwe uma ukhetha uhlelo).
Ukunakekelwa okunganakekelwa kwempahla yomshuwalense wezempilo yomshuwalense akuvumeli ukuba ubhalise kumshuwalense wezempilo noma kunini lapho ukhetha khona. Ngokujwayelekile, uvunyelwe ukubhalisa ngenkathi yokubhalisa evulekile eyenzeka ekwindla ngayinye.
Kodwa-ke, njengoba ulahlekelwa yomshuwalense wakho wezempilo njengamanje ngenxa yokuguga ohlelweni lomzali wakho, uzokwazi ukuthola isikhathi sokubhalisa esikhethekile uma uvula iminyaka engu-26.
Lokhu kuzokunika izinsuku ezingu-60 ngaphambi kokuthi uhlelo lwakho luphele-kanye nezinsuku ezingu-60 ngemuva kokuphela-ukubhalisa ohlelweni lwezempilo ekushintsheni ngisho noma kungabhaliswa okuvulekile. Uma ungaphuthelwa leli fayili elifushane elibhalisiwe elikhethekile, kuzodingeka ulinde kuze kufike isikhathi sokubhalisa esilandelayo sokuthenga umshuwalense wezempilo ku-exchange yakho yomshuwalense wezempilo.
Qaphela ukuthi isikhathi sokubhalisa esikhethekile kulesi sigaba sisebenza ngaphandle kokushintshaniswa , kodwa izinsizakalo azitholakali ngaphandle kokushintshaniswa, ngakho akuyona inketho okufanele uyenze uma imali yakho engenayo yenza ukuba usizakale.
Ukuqhutshwa kokuqhubeka kwe-COBRA
I-COBRA ngumthetho ovumela ukuthi uqhubeke nomsebenzi wakho womshuwalense wezempilo wamanje ezinyangeni eziyi-18-36 ngemuva kokuthi usukhulile ohlelweni lwezempilo lomzali wakho, ulahlekelwe umsebenzi wakho, noma uhlukanisile. Akuwona wonke amapulani ezempilo okufanele anikele nge-COBRA yokuqhubeka kokufakwa, nakuba kunjalo. Funda ukuthi uhlelo lwakho lwezempilo kufanele lunikeze i-COBRA .
Nakhu ukuthi i-COBRA isebenza kanjani. Wena noma abazali bakho bazise uhlelo lwezempilo oluzolahlekelwa ukusakaza ngenxa yokulahlekelwa isimo sakho esisekelwe. Uhlelo lwezempilo luzokuthumelela ulwazi oluchaza ukuthi ungaqhubeka kanjani nokuhlanganisa kwakho. Uzoba nezinsuku ezingu-60 zokukhetha ukuqhubeka nokufaka kwakho nge-COBRA. Uma ungenzi lokho kukhetho ngalezo zinsuku ezingama-60, uzolahlekelwa yithuba lakho kuze kube phakade.
Kuzodingeka ukhokhe izinkokhelo zenyanga zonke zokukhishwa kwe-COBRA yakho, futhi kungase kubize okuningi . Okwamanje, umzali wakho unengxenye (noma kwezinye izimo, konke) kwe-premium yanyanga zonke ethathwe ekukhokhweni kwakhe. Kodwa ingxenye ye-premium cishe ihlanganiswa nomqashi womzali wakho (nakuba ezinye izinhlangano zidinga abasebenzi ukuba bahlanganise izindleko ezigcwele zokwengeza abaxhomeke ohlelweni). Uma uthatha ukukhishwa kwe-COBRA, umqashi wakho womzali akenzi isandla kwi-premium ye-cover yakho. Kumele ukhokhe kokubili okuyingxenye umzali wakho akhokhayo kanye nengxenye yomqashi wakho umzali akhokhela.
Ngaphezu kwalokho, kuzomele ukhokhe imali engu-2% yokuphatha.
Ukhokha izinkokhelo ze-COBRA zansuku zonke uma nje ukutholakala kwakho kwe-COBRA kuqhubeka, ngokuvamile izinyanga ezingu-18. Uma ulahlekelwa inkokhelo ye-premium ye-COBRA , ukukhishwa kwakho kwe-COBRA kuphela futhi awukwazi ukuyibuyisela kabusha. Uma uthola olunye ulwazi, ungakhansela ukukhishwa kwakho kwe-COBRA noma kunini lapho ungathanda khona. Kodwa uma uthatha i-COBRA, awusenayo isikhathi sokubhalisa esikhethekile emakethe ngayinye (ngokusebenzisa ukushintshaniswa noma ukushintshaniswa).
Funda kabanzi mayelana nokukhishwa kwe-COBRA okuqhubekayo evela eMnyangweni Wezabasebenzi "Emhlahlandlela Womsebenzi Wezinzuzo Zempilo Ngaphansi COBRA."
Umshwalense Wezempilo Ngomsebenzi Wakho
Uma usebenza futhi umqashi wakho unikeza umshuwalense wezempilo, ungase ufanelekele lowo mshwalense wempilo uma ulahlekelwa umshuwalense wakho wamanje. Uma ungacabangi ukuthi ungabhalisela umshuwalense wezempilo wendawo yakho yomsebenzi ngoba akusikhathi sokubhalisa okuvulekile, cabanga futhi. Ukulahlekelwa ukuvota komzali wakho kuzokukwenza uvumeleke isikhathi sokubhalisa esikhethekile emsebenzini wakho, ucabange ukuthi ulungele ukukhokhelwa ngaphansi kohlelo lomqashi wakho. Uzoba nezinsuku ezingu-30-60 ukuze ubhalise.
Ngenxa yokuthi uthola umsebenzi akusho ukuthi uzothola umshwalense wezempilo ngokuzenzakalelayo endaweni yakho yokusebenzela. Isibonelo, abaqashi abaningi badinga ukuthi usebenze inombolo encane yamahora omsebenzi ngesonto ukuze ufanelekele umshwalense wezempilo. Kuzodingeka uhlangabezane nale mfuneko ngaphambi kokuba uvumeleke ukubhalisa, ngisho nesikhathi sokubhalisa esikhethekile.
Ngisho noma ufanelekile, umshwalense wempilo esekelwe emisebenzini ngokuvamile awukhululekile. Umqashi wakho uzothatha isabelo sakho sezindleko zama-premium ngenyanga ngaphandle kwekhekhe lakho, ngakho-ke lindela ama-paychecks amancane. Lokho kusho ukuthi okungenani umqashi wakho ubamba ingxenye yezindleko zemishwalense yakho yomshuwalense wezempilo. Nge-COBRA, ukhokha yonke i- premium ngokwakho. Futhi uma ubhalisa ohlelweni ngokusebenzisa ukushintshaniswa kodwa imali yakho engenayo iphezulu kakhulu ukuze ube yi-subsidy-efanelekile, uzobe ukhokhela i-premium ngokwakho.
I-Medicaid
Uma imali yakho engenayo iphansi, ungase ufanelekele iMedicaid , uhlelo oluhlangene lombuso / wenhlalakahle yomphakathi olunikezela umshuwalense wezempilo kwabanye abahlali abahluphekile noma abahola kancane. Kumele ube ngumhlali wezomthetho lapho ufaka isicelo sakho, futhi i-Medicaid ayifuni ukuhlinzekwa ngokunikeza abafuduki ngokomthetho kuze kube yilapho bebehlala e-US iminyaka emihlanu.
Ngaphansi kweziqondiso ezithile, umbuso ngamunye ubeka imithetho yawo ngokuqondene nokuthi ubani ofanelekayo weMedicaid futhi ongenzi. Uma inzuzo yakho ingu-138% wezinga lobuphofu elisemthethweni noma liphansi, uzokwazi ukuthola iMedicaid emazweni angu-31 naseSifunda saseColombia. Emazweni asele, ukufaneleka kweMedicaid kunzima kakhulu futhi kunomkhawulo kubantu abathintekayo njengabesifazane abakhulelwe, abakhubazekile, abayizimpumputhe noma asebekhulile (inothi lokuthi nakuba iWisconsin ingenye yezizwe ezingazange zandise iMedicaid ngaphansi kwe-ACA, zenza abangenayo igebe lokuhlanganisa ; izakhamuzi zase-Wisconsin ezingenayo imali zifanelekile ukuthola i-Medicaid noma i-premium subsidy ekushintsheni, ngokuya ngemali engenayo).
Ama- premium , ama-deductibles, ama- copays, kanye ne-coinsurance ngokuvamile kakhulu kakhulu uma une-Medicaid. Izinhlelo eziningi ze-Medicaid azikhokhisi noma yiziphi amaprimiyamu nhlobo (nakuba abanye benza, kubhalisa ngenzuzo engaphezu kwezinga lobuphofu), nokwabelana ngezindleko (amakhophi amakhophi, njll) kuncane kakhulu kubantu ababhalisile ku-Medicaid.
Funda kabanzi mayelana nokuthi i-Medicaid isebenza kanjani esimweni sakho ngokukhetha isimo sakho kule mephu esebenzisanayo.
Impilo yabafundi
Uma usekolishi, ungase ufanelekele umshwalense wezempilo umfundi ngokusebenzisa enyuvesi yakho. Amanye amanyuvesi adinga ukuthi uthathe umthwalo othile wezinhlamvu ezimbalwa ukuze ufaneleke. Hlola okucacile kohlelo lokuqinisekisa ukuthi lwanele, kufaka phakathi ukufakwa lapho uzoba eholidini futhi mhlawumbe ngaphandle kwedolobha isikhathi eside.
I-Alumni Association, i-Trade Association, nezinye izinketho
Awufanelekile ngempilo yomfundi ngoba awusena umfundi? Ezinye izinhlangano zama-alumni zinikeza umshuwalense wezempilo emalungwini abo. Hlola inhlangano yakho ye-alumni yunivesithi.
Ngiyazisebenza? Hlola neqembu lakho lokuhweba uma uyilungu lezohwebo. Hlola ikamelo lakho lendawo yezokuhweba uma unebhizinisi lakho elincane. Ezinye zalezi zinhlangano zinikeza amahlelo ezempilo zeqembu kumalungu awo. Ukwengeza, amabhizinisi amancane angathenga umshuwalense wezempilo ngokusebenzisa ukuhwebelana kwemishwalense yezempilo ye-SHOP.
Ungahlola ezinye izinketho zomshuwalense wezempilo omdala-omdala usebenzisa umthengisi womshuwalense wezempilo ozimele ovunyelwe yizwe lakho. Laba bantu bayingcweti ekusizeni abantu bakhethe uhlelo lwezempilo lwekhwalithi oluhambisana nezidingo zabo. Ukubheja kwakho okuhle ukusebenzisa umthengisi oqinisekisiwe ngoshintsho kuhulumeni wakho, ukuze ukwazi ukubona okukhethwa kukho kokubili bese uvala ukushintshaniswa futhi uqinisekise ukuthi uthola ukukhokhelwa okungcono kakhulu ngesimo sakho.
Ingabe i-GOP izama ukuphinda iphinde i-ACA Shintsha Izinketho Zasebekhulile?
Abameli be-GOP bebelokhu bezama ukususa i-ACA kusukela kusungulwa, futhi basebenzise u-2017 ukuphishekela umthetho ozoqeda noma ukushintsha izici ezihlukahlukene zomthetho. Ukuhlinzekwa kwe-ACA okuvumela abantu abadala ukuba bahlale ohlelweni lwezempilo lomzali kuze kube yiminyaka engu-26 kubonakala sengathi kuphephile-noma ngabe yiziphi iziphakamiso ezinkulu azame ukushintsha noma ukususa leyo ngxenye ye-ACA.
Kodwa umthethosivivinywa owawusungulwe yiSenate Republicans Act (i-Better Care Reconciliation Act, noma i-BCRA) uzoholela ezindlekweni eziphezulu ezingaphandle kwe-pocket kubantu abazithengela umshwalense wabo wezempilo (ngokushintshaniswa noma ekushintsheni). I-GOP iyasusa imizamo ingabangela nokuqashwa okuncane okunikezwa abaqashi abancane , kuye ngokuthi izindlela zikahulumeni zokuguqulwa kwezempilo.
> Imithombo:
> Senate.gov, i- HR1628, uMthetho wezokuThuthukiswa komNyango wezeMpilo ka-2017 , Ingxoxo Yokuxoxisana. Julayi 20, 2017.