Abaningi baseMelika kumele balondoloze umshuwalense wezempilo
Awuqinisekisiwe? Uzibuza ukuthi kufanele uthenge umshuwalense wezempilo ngenxa ye- Care Affordable Act ? Nansi okufunwa ngumthetho, indlela yokuthobela, indlela yokuthola i-Obamacare uma uyifuna, nokuthi yiziphi ezinye izindlela zakho.
Ingabe Kufanele Ngithole Umshwalense Wezempilo?
Uma ungaqinisekisiwe futhi awunakho ukukhishwa kwemshuwalense wezempilo , udinga ukuthola umshuwalense wezempilo. Uma ungenjalo, uzohlolwa njengesijeziso uma ufaka ukubuya kwentela yakho.
Isiphathimandla somuntu ngamunye we-Affordable Care Act sidinga wonke umuntu ongenakho ukugcina ukuhlinzeka ngezempilo . Lokhu bekulokhu kwenzeka kusukela ngoJanuwari 1, 2014.
Uma unomshuwalense wezempilo ngomsebenzi wakho noma uhlelo lukahulumeni olunjengeMedare, iMedicaid noma iTricare, lowo umshuwalense ukwanelisa isidingo somthetho. Awudingi ukwenza noma yini enye.
Uma unesimo sezempilo somuntu siqu, umshwalense wakho angakutshela ukuthi inqubomgomo yakho yamanje ihlangabezana nencazelo yobunikazi obuncane obalulekile. Lokhu akuyona into efanayo ne-ACA-ivumelanisa noma kunjalo. Uma unecebo lomakethe elilodwa elaqala ukusebenza ngaphambi kuka-2014, cishe cishe alihambisani ngokugcwele ne-ACA, kodwa namanje kubhekwa njengokubambisana okubalulekile uma nje kungumshwalense omkhulu wezempilo wezokwelapha.
Uma kungumshwalense wezempilo wezokwelapha omkhulu futhi uke waba nawo kusukela ngaphambi kuka-2014, kungakhathaliseki ukuthi ugogo noma ukhululekile . Kuzo zombili izimo, ungaqhubeka nokuba nalokhu kutholakala uma nje umshuwalense wakho wempilo yomshwalense evumela, futhi ngeke usolwa - naphezu kokuthi uhlelo lwakho aluhambisani nezimfuneko ze-ACA zezinhlelo ezintsha.
Ngakolunye uhlangothi, uma umshwalense owodwa onayo onguhlelo oluthengile ngokwakho olungabhekwa njengento encane ebalulekile, ngeke uhambisane nokugunyazwa ngabanye be-ACA, okusho ukuthi uzotholakala ngaphansi kwesigwebo ngaphandle kokuthi wena ngithole ukukhululwa. Izinhlelo ezingabonakali njengezingqinamba zokubaluleka ezibalulekile zifaka izinto ezifana nomshuwalense wezempilo wesikhathi esifushane , izithako zengozi, izinhlelo zokugula ezibucayi (okungukuthi, inqubomgomo ehlanganisa izifo ezithile kuphela), nezinhlelo ezilinganiselwe zokuhlomula.
Uma ungabaza, hlola inkampani eyithengise uhlelo lwakho.
Uma ungaqinisekisiwe, kuzodingeka uthole umshuwalense wezempilo. Uma kungenjalo, uzokhokha inhlawulo uma ufaka izintela zakho, ngaphandle uma ukhululekile.
Ingabe Kunendlela Yokuthenga Umshwalense Wezempilo?
Uma ungaqinisekisiwe futhi ungenasithakazelo ekutholeni umshuwalense, ukuthola ukukhishwa kwomshuwalense wezempilo kuzokusiza ugweme isijeziso sentela. Ukuze uthole ukuthi ufanelekile yini ukukhululeka nokuthi ungathola kanjani isitifiketi sokukhululwa, funda " Ngingayithola Yini Ukukhokhelwa Umshuwalense Wezempilo? "
Yini Eyokwenzeka Uma Ngingawutholi Umshwalense Wezempilo ?
Uma ungatholakali futhi ukhetha ukungatholakali umshuwalense wezempilo, uzothola inkokhelo yentela ebizwa ngokuthi ukukhokhwa kwemfanelo okwabiwe . Lesi sinxephezelo sanda ngaphezu kwesikhathi, futhi inani lixhomeke emholweni wakho.
Isijeziso sasihlolwa kuqala entwasahlobo ka-2015, lapho abantu befaka imali yabo yentela ka-2014. Ngenxa yokuthi abantu abaningi babanjwe isigwebo, uhulumeni wavuma ukunikeza isikhathi esikhethekile sokubhalisa ngonyaka onyakeni kubantu abangayazi ngesigwebo kuze kube yilapho behambisa izintela zabo zentela ka-2014. Kusadingeka bakhokhele inhlawulo ka-2014, kodwa isikhathi sokubhalisa esikhethekile sabanika ithuba lokuthola iningi le-2015.
Izijeziso ze-2016 zizohlolwa uma abantu befaka ukubuyiswa kwentela ekuqaleni kuka-2017. Ukuze abafaki bentela abakhokhwe inkokhelo ekubuyiselweni kwentela yabo ka-2014, isilinganiso semali esiphezulu sasiyi-$ 200. Lokhu kulindeleke ukuthi kwande cishe ku-$ 1,000 kubathengisi bentela abakhokha inkokhelo yentela yabo yentela ka-2016 .
Imithetho yenhlawulo yomshuwalense wezempilo ingaba nzima. Ngokwesibonelo,
- Ingxenye yengeniso yakho ayifakiwe uma ibheka inani lesigwebo - kuphela inani elingaphezu kwesibalo sokufaka intela libalwe.
- Kukhona umkhawulo ongaphezulu kunesijeziso oyokhokha uma ucebile - kungumhlahlandlela kazwelonke wesilinganiso sohlelo lwebhedu, okwakungamadola angu-2,484 kumuntu oyedwa ngo-2015, no-$ 12,240 emndenini wamahlanu noma ngaphezulu.
- Kukhona inani elincane ozodingeka ukhokhe ngisho noma ulihlwempu (ucabanga ukuthi awufaneleki ukukhululwa). Ngonyaka we-2016, isigwebo esincane singu-$ 695 umuntu omdala, ne-$ 347.50 yengane ngayinye, kuze kufike ku-$ 2,085 ngaphezulu kwendlu.
Isigwebo Somshuwalense Wezempilo Somuntu Ngakanani?
Ingakanani Imali Yomshuwalense Wezempilo Umndeni?
Uma ulinganisa izindleko zokuthenga umshuwalense wezempilo ngokubiza izindleko zokukhokha inhlawulo yomshuwalense wezempilo, ungakhohlwa ukuthola izindleko ezihlobene kulo mxube. Izindleko ezihambisana nokukhetha ukuhlala ungaqinisekisiwe zifaka izindleko zokukhokha ngaphandle kwezindleko zakho zonke izindleko zokunakekelwa kwezempilo, hhayi nje izindleko zentela yentela. Futhi, insizakalo yomshuwalense wezempilo kahulumeni , uma ufanelekile, inganciphisa izindleko zokuthenga umshuwalense wezempilo.
Ngingayithola Yini Usizo Lokukhokhela Umshwalense Wezempilo ?
Ungase ufanelekele umxhaso ukuze wenze umshuwalense wezempilo ube namandla kakhulu. Umthetho Wokunakekelwa Kwezezimali ongenakusiza wadala izinhlobo ezimbili zemali yomshuwalense wezempilo; kokubili kukhona imali esekelwe.
Insizakalo yesikweletu se-premium intela ikhokhela ingxenye yama- premium wakho wezinhlelo zempilo yanyangazonke ukuze ukuthenga umshuwalense wezempilo kungabizi kakhulu. Kunjengokuthola isaphulelo ngezindleko zemshuwalense wezempilo .
Insizakalo yokwabelana ngezindleko inciphisa imali yakho yokubambisana , i- copays kanye ne- coinsurance uma usebenzisa umshuwalense wakho wezempilo. Uhlelo lwakho lwezempilo lukhokhela ngaphezulu kwezindleko zakho zezokwelapha, futhi ukhokha kancane. Kunjengokuthola ukuthuthukiswa mahhala kumshuwalense wezempilo.
Okokugcina, uma imali yakho engenayo iphansi, ungase ufanelekele i- Medicaid . Izinhlelo eziningi ze-Medicaid azikhokhisi amaphrimiyamu zenyanga zonke zokufaka, noma ukukhokha imali encane kakhulu. I-ACA idinga ukunwetshwa kwe-Medicaid, kodwa iNkantolo Ephakeme yenza kube yinto yokuzikhethela ukuze amazwe abambe iqhaza. Kusukela ngo-June 2016, 31 kanye ne-DC zandise izinhlelo zabo zokuxilonga, kodwa izifunda ezingu-19 azizange zilandelwe.
Funda kabanzi mayelana nokuthi izinsizakalo zisebenza kanjani nokuthi unelungelo lokusizwa yini ukubhalisa ku-Obamacare ngokufunda " Ngingayithola Yini Usizo Lokukhokhela Umshwalense Wezempilo? "
Ngingayithola Kanjani Umshwalense Wezempilo?
Ngisho noma ungathenga umshuwalense wezempilo ngqo kusuka kwenkampani yomshuwalense wezempilo (okungukuthi, " ngaphandle kokushintshaniswa "), uma usola ukuthi uyakufanelekela umxhaso, athenge umshuwalense wakho wezempilo ngokushintshaniswa komshuwalense wezempilo wombuso wakho, okungaziwa ngokuthi imakethe, esikhundleni.
Ukuxhaswa kungasetshenziswa kuphela umshuwalense wezempilo oyithengayo ngokusebenzisa ukushintshaniswa. Kungakhathaliseki ukuthi ufuna ukuthatha isibonelelo sakho phezulu ekukhokheni nyangazonke kumphathi wakho womshuwalense wezempilo, noma ukukubiza kamuva ekubuyiseleni kwentela yakho , kuyatholakala kuphela uma uthenga uhlelo lwakho ngokushintshanisa.
Ukushintshaniswa kungabuye futhi ukuthi ufanelekile yini ku-Medicaid futhi kukusize ukuthi uyifake isicelo. Kwamanye amazwe athi, ukubhaliswa kwe-Medicaid kwenziwa nge-exchange. Kwamanye amazwe, ungabhalisa ngokuqondile ehhovisi le-Medicaid lezwe, noma nge-exchange. Kuzo zonke izifundazwe, ukushintshaniswa kungakuthola ukubhalisa ku-Medicaid uma ufaneleka.
Ngisho noma awufanelekile ku-Medicaid noma isibonelelo, usho ukuthi ukushintshwa komshuwalense wezempilo kwenza kube lula ukuqhathanisa izinhlelo zempilo. Njengoba izinhlelo ezihlinzekwa ngokushintshanisana zikhona ukuncintisana ngokuqondile, zingase zibe nezinyanga eziphansi zenyanga kunezinhlelo ezifanayo zezempilo ezivela kwabanye abathwali abanikelwa kuphela ngaphandle kokushintshaniswa (nakuba ngisho nangaphandle kwezingxoxo, zonke izinhlelo ezidingekayo zezokwelapha kufanele zenziwe ngokuvumelana ngokugcwele ne-ACA).
Thola ukuthi ungaxhumana kanjani nomshwalense wezempilo wombuso wakho.
Ngikhetha Kanjani Uhlelo Oluhle?
Ukuze ukhethe uhlelo lwezempilo olulungele izidingo zakho, okokuqala udinga olunye ulwazi oluyisisekelo ngalokho okutholakalayo.
Zonke izinhlelo zezempilo ezithengiswa ngemali yomshuwalense wezempilo - kanye nalabo abathengiswayo, uma nje behamba phambili kwezokwelapha - banikeza izinzuzo ezifanayo ezibalulekile zezempilo. Amanye amapulani anganikeza izinzuzo ngaphezu nangaphezulu kwezidingo zezempilo ezibalulekile.
Zonke izinhlelo zihlelwe phakathi kwezingxenye ezine ezijwayelekile. Laba bantu abathathu bakutshela inani lohlelo. Ungafunda kabanzi mayelana nokuthi ama-tiers asebenza kanjani nokuthi yikuphi okungase kube okufanelekile kuwe "ku- Bronze, Silver, Gold & Platinum-Ukuqonda uhlelo lwe-Metal-Tier ." Ukhetho olwengeziwe lwezempilo, umshuwalense wezempilo oluyingozi , luyatholakala abantu abangaphansi kweminyaka engama-30 ubudala, noma abantu abanezikhwama zobunzima .
Iningi lezingxoxo zinezinhlobo eziningana ezahlukene zemishwalense yezempilo ezinikezwa ngezinga ngalinye lezinga. Isibonelo, uma ufuna uhlelo lwezempilo lwe-silver-tier, kungadingeka ukhethe phakathi kwe-HMO yesiliva, i-PPO yesiliva , kanye ne- POS yesiliva yesiliva . Uma ungaqiniseki ukuthi usebenza kanjani umshuwalense wezempilo ezahlukene, funda "i- HMO, i-PPO, i-EPO & i-POS-Uyini umehluko nokuthi yikuphi okungcono kakhulu? "
Imithombo:
Insizakalo yangaphakathi yeRevenue, Ukuhlinzekwa Kwamalungelo Okuhlanganyela Ngamunye - Ukubika nokubala Ukukhokha.