6 Izindlela Ongakhokha
Umshuwalense wezeMpilo owehliswayo ulokhu unyuka kancane iminyaka. Ngo-2016, abangaphezu kwamaphesenti angu-51 abasebenzi abasebenzisa umshwalense wezempilo oxhaswe ngumqashi babenezinzuzo ezilinganiselwa ku-$ 1,000. Futhi phakathi kwabasebenzi abanobuchwepheshe babo obuhlanganisa i-deductible, isilinganiso somuntu ngamunye esivela kuso sasingamadola angu-1,500.
Phakathi kwabantu abathenga umshwalense wabo wezempilo emakethe ngayinye, ama-deductibles angaphezulu nakakhulu.
I -Healthinsurance, i-brokerage e-intanethi, ibike ukuthi ngo-2016 ukukhishwa okukhethiwe ngabathengi abasebenzisa i -Healthinsurance futhi abangafanelanga nanoma yiziphi izinsizakalo ze-ACA , isilinganiso esiphezulu sokudonswa kwaba ngu-$ 4,358 kubantu ngabanye kanye no-$ 7,983 ngemindeni.
Kubalulekile ukuqaphela ukuthi abantu abangatholi izinsizakalo ze-premium banamathuba amaningi okuthenga izinhlelo eziphansi zethusi, ezinokudonswa okuphezulu. Futhi ama-ACA ekwabelana ngezindleko- okusebenza kuma-57 amaphesenti okushintshanisa abhalisa ngo-2017-ahlinzeka ngokunciphisa okuncane kakhulu kubantu abafanelekile ngokusekelwe kwimali yabo engenayo (izinsizakalo zokwabelana ngezindleko zitholakala kuphela kumacebo esiliva; cishe amaRandi angama-30,000 ngo-2018 futhi uthenge ukuthengwa kwakho, ungase ulungele izinhlelo zesiliva nge-deductibles ephansi, ngakho-ke unake kakhulu izinhlelo zesiliva ngesikhathi ubhaliswa ngokuvulekile, futhi uqiniseke ukuthi uthenga uhlelo ekushintsheni, ngokuphambene nokushintshaniswa okungekho ).
Kodwa akungabazeki ukuthi abantu abathengisa umshwalense wabo wezempilo ngokuvamile bancike ekudonseni okubalulekile.
Awusiye wedwa uma ungeke ukwazi ukukhokhela umshuwalense wakho wezempilo. Kungakhathaliseki ukuthi imali yakho ekhishwe kakhulu kangakanani, uma ungenalo imali enkulu ekugcineni futhi uhlala ukhokhela ukukhokhwa, kungase kuzwe sengathi i-deductible yakho iphezulu kakhulu.
Uma ungeke ukwazi ukukhokhela imali yakho, ukukhetha kwakho ukubhekana nayo kuncike ekutheni unecala lakho okwenziwe manje, noma ngabe ulungiselela kusengaphambili. Uma ubheke esikhathini esizayo futhi uqaphela ukuthi kuzodingeka ukuthi ufike nalolu chunk of ushintsho ekugcineni, hlola "I- Deductible Too High? Indlela Yobhajethi Yomshwalense Wezempilo Ehlulwa Ngokwempilo . "Futhi uma ubhalisa ohlelweni lwezempilo olufanelekayo lwe-HSA, zama ukwenza okubaluleke kakhulu ukubeka i-HSA futhi uhlanganyele kuyo njalo , ukuze imali ibe khona uma ukuphetha okudingayo ukuhlangabezana ne-deductible yakho.
Uma kufanele ukhokhe imali yakho manje kodwa ungenayo imali, ubunzima bakho bukhuni. Uma ungenayo indlela yokukhokha, ukunakekelwa kwakho kungase kubambezeleke noma ngeke ukwazi ukunakekelwa okudingayo. Nazi ezinye izindlela ongakhetha kuzo.
Xoxa ngohlelo lokukhokha
Ngenkathi udokotela wakho engakwazi ukukhipha noma ukwehlisa imali yakho ngenxa yokuthi lokho kungaphula imithetho yezempilo yakho, kungenzeka ukuthi uzimisele ukukuvumela ukuthi ukhokhe imali enikezwa yona ngemuva kwesikhathi. Thembeka futhi uchaze isimo sakho phambi komnyango wakho wokukhokhela udokotela noma esibhedlela. Chaza ukuthi awuzami ukuphuma ekukhokheni kodwa ukuthi ungathanda ilungelo lokubeka uhlelo lokukhokha.
Nakuba kuhloswe ukucela izaphulelo kunokuba uhlele uhlelo lokukhokha, " Indlela Yokuxoxisana Ngomhlinzeki Wakho " inikeza amathiphu wokuthi ungaba nengxoxo kanjani nalokhu nodokotela wakho.
The Caveats:
- Ungakhokhiswa imali yakho yokuhlinzekwa kwezempilo okungaphezu kweyodwa. Isibonelo, uma ubona udokotela futhi eyala ukuhlolwa kwegazi, uzokweleta ingxenye yakho yokudonswa kudokotela wakho nengxenye yayo ebhodini lokuhlolwa kwegazi. Lokhu kusho ukuxoxisana ngezinhlelo ezimbili zokukhokha, hhayi eyodwa.
- Uma ungagcini izinkokhelo ohlelweni lwakho lokukhokha oluxoxwe, uzolimaza ngokujulile ubuhlobo bakho nodokotela wakho, futhi ungase ungatholi elinye ithuba lokusetha uhlelo lokukhokha lwezinkokhelo zezokwelapha esizayo.
Hlola Izinketho Zokunakekelwa KwezeMpilo ezingabizi
Ngokuvamile kunendlela engaphezu kweyodwa yokwelapha inkinga yokunakekelwa kwezempilo. Ingabe usebenzisa indlela yokwelashwa engabizi okungenani eyokusebenza kuwe?
Uma ushintshela ekwenzeni ukwelashwa okungabizi kangako ngeke kwenzeke ukuthi ususe imali encane, i-deductible izofika ngenxa yesikhathi eside nesikhathi esincane. Isibonelo, uma une-$ 3,000 ekhishiwe futhi uthola ukwelashwa okubiza amaRandi angu-700 ngenyanga, ukushintshela kokwelapha okubiza ama-$ 400 ngenyanga kuzokwehlisa izindleko zakho zenyanga . Uzobe usuqedile ukukhokha yonke imali engu-$ 3,000 ngaphambi kokuba umshwalense wakho wezempilo uqale ukukhokha. Kodwa, ngezokwelapha ezishibhile, uzosakaza lokho okudonswe ngaphezu kwezinyanga eziyisishiyagalombili kunenyanga ezinhlanu, okwenza kube lula ukuphatha.
Ungakwazi yini ukuthola ukunakekelwa emtholampilo yamahhala noma isikhungo sempilo yomphakathi esizokunakekela kungakhathaliseki ukuthi unakho ukukhokha? Ezinye zalezi zindawo zizokunakekela mahhala, zizokukhokha ngokusekelwe kwimali engenayo, noma izokwamukela ukuthi umshuwalense wakho wezempilo ukhokhela kanjani ngokugcwele. Hlola ukubona ukuthi kukhona isikhungo sezempilo somphakathi esiseduze nawe.
Thatha ukusatshalaliswa kokuqala kusuka kumhlalaphansi wakho
Ngokukhetha ukuthatha imali emhlalaphansi wakho ukukhokha umshuwalense wakho wezempilo, uboleka esikhathini esizayo ukuze ukhokhele okwamanje. Lena akuyona uhlelo oluhle kakhulu lwesikhathi eside. Kodwa, uma ubhekene nesimo lapho ungenaso ikusasa uma ungeke ukhokhele umshuwalense wakho wezempilo ongenakudliwa, khona-ke ungase ucabange lokhu okukhethwa kukho.
Uma usatshalaliswa kwi-IRA yakho yendabuko ngaphambi kokuba uneminyaka engu-59 1/2, uzokhokhwa intela yentela kulowo mali kanye nentela yenhlawulo. Kodwa-ke, kwezinye izimo, inhlawulo ingasuswa uma imali isetshenziselwa izindleko zempilo ezifanele futhi uma izindleko zakho zezokwelapha zingaphezu kwamaphesenti ayishumi omholo wakho. Funda imithetho ye-IRS ngokusebenzisa ukusatshalaliswa kokuqala kwi-IRA yakho ngezinyango zezokwelapha.
Izinketho ezimbili zingakusiza ugweme isijeziso sokusabalalisa ekuqaleni:
- Ungakwazi ukuhoxisa imali owafakile ku-Roth IRA ngaphandle kwesijeziso. Lokhu akusebenzi kwimali engenayo kanye nokuzuza kwezimali zokutshala izimali ku-Roth IRA, kodwa kuphela kwimali oyikhokhele empeleni. Funda kabanzi "Uma i-ROTH IRA Yokukhipha I-Tax Free-Free Futhi Uma Ingekho."
- Amalungiselelo angama-401K azokuvumela ukuba ukhokhe imali efika ku-$ 50,000 noma isigamu semali ku-401K yakho, noma yikuphi okuncane. Ngokuvamile, imali mboleko ikhokhwa emuva kweminyaka emihlanu ngemali ngokuzenzekelayo isuswe ngokukhokha kwakho. Uzokhokha inzalo mboleko, kodwa ukhokha leyo nzalo-isithakazelo singena ku-401K yakho. Uma ulahlekelwa umsebenzi wakho ngaphambi kokuba ukhokhelwe imali, kufanele ufike ebhalansi esele noma kuthathwa njengokusatshalaliswa kokuqala futhi uzokhokha intela yentela kanye nesigwebo kuso. Funda kabanzi ku "Izinto Eziyisishiyagalolunye Okwazi Ngayo Ngokuboleka Kwakho 401 (k)."
Thengisa Izinto Zakho
Akekho ofuna ukuthengisa izinto zabo ukuze akhokhele into efana nomunye umshuwalense wezempilo owenziwe; kodwa, izikhathi ezimbi zibiza izinyathelo ezimbi. Uma ungeke ukwazi ukuthola i-chemotherapy yakho eyilandelayo ngoba awukwazi ukukhokha umshuwalense wakho wezempilo, manje sekuyisikhathi sokucabanga ngendlela yokukhulisa ngayo imali.
Qala ngokucabangela ukuthengisa ngezinto ezibalulekile kodwa ezingadingekile njengezicwebe zakho, ibhayisikili, i-surfboard, i-iPod, noma isithuthuthu. Hamba uye ekuthengiseni ezinye izinto eziyigugu njengemoto yakho noma indandatho yomshado kuphela uma unesiphelelwe amandla ngempela. Cishe uzothola intengo engcono yezinto uma uzithengisa ngokwakho esiteji njengo-Craigslist noma i-eBay kunokuba uwathathe esitolo se-pawn noma esitolo sesitolo, kodwa ukuzithengisa ngokwakho kuthatha umzamo omkhulu.
Charge It
Ukusebenzisa ikhadi lesikweletu, umboleko wemali, noma umugqa wokulingana ekhaya wekhredithi ukukhokha umshuwalense wakho wezempilo okhishwayo yisiphakamiso esihle. Lokhu kufana nokufaka ikusasa lakho esikhathini esizayo futhi ungene emalini ukuze uhlangabezane nezindleko zakho eziyisisekelo. Uma ungeke ukwazi ukukhokha imali yakho manje, uzokhokha kanjani unyaka ozayo deductible ngenkathi uhlawula isikweletu sakho kusukela kulo nyaka odonswe?
Ngakolunye uhlangothi, uma udinga ukwelashwa ukuze ulondoloze impilo yakho, uvimbele ukukhubazeka okungapheli, noma ugcine unempilo ngokwanele ukuze ugcine umsebenzi wakho, ukusebenzisa isikweletu kungaphansi kokubi.
Isikweletu akudingeki sisho ikhadi lesikweletu. Kungasho futhi ukuboleka ekulinganisweni ekhaya lakho, umngane noma ilunga lomndeni, noma ukuthatha imali yakho ebhange noma inhlangano yezikweletu.
Finyelela Usizo Lwezinkinga Zezezimali Zezemisebenzi
Abaqashi abaningi abakhulu banesimiso sokusiza abasebenzi. Exhaswe ngeminikelo emincane eyenziwe ngabasebenzi ngabanye, lezi zinikelo zikhishwa ekukhokheni kwabanikeli ngemali elinganayo ngonyaka.
Abasebenzi ababhekene nobunzima bezezimali ngesikhathi esisodwa bangasebenza kusizo lokusiza ngezezimali. Lezi zinsizakalo ngokuvamile azidingi ukuthi ube ngumnikeli ukuze uthole usizo, kodwa ulawula ukuthi kuzonikezwa usizo olunjani lwezezimali, ngubani ofanelekayo, nokuthi imali evalwe kanjani ihluke kusuka ohlelweni kuya ohlelweni. Umnyango wakho wezibonelelo zabasebenzi noma umsebenzi wakho kungenzeka ukuthi ungumthombo wakho owaziwa kakhulu.
> Umthombo:
> Amasevisi e-Medicare naseMedicaid Services. 2017 Isitoreji sokubhalisa esenziwe kahle . Ngo-Juni 12, 2017.
> eHealthinsurance.com. I-Health Insurance Index Index Report, 2016 Isikhathi sokubhalisa esivulekile . Okthoba 2016.
> Insizakalo yangaphakathi yeNgeniso, 401 (k) Umhlahlandlela Wezinsiza - Hlela Abahlanganyeli - Imithetho Ejwayelekile Yokusabalalisa.
> Kaiser Family Foundation. 2016 Inhlolovo yezeMpilo yabaSebenzi; Ukufingqwa kokuthola . Ngo-September 14, 2016.