Ukuhlukanisa Amaqiniso Asuka Ku-Hype
Uma ngabe unakekele izihloko zomshuwalense wezempilo ezinyangeni ezimbalwa ezedlule, cishe uye wabona izindaba ezesabekayo mayelana nama-premium yomshuwalense wezempilo ka-2017. Nakhu okudingayo ukwazi ukubeka imininingwane kumongo
Lezi zihloko ziphathelene nomakethe ngamunye
Cishe zonke izihloko ezibheke amehlo zilokhu ziphathelene nezinkokhelo zemishwalense yempilo emakethe ngayinye.
Yilapho abantu bethengela khona umshuwalense wabo wezempilo uma bengenalo uhlelo lokuxhaswa ngumqashi noma ukushicilelwa kuhulumeni ( Medicaid , Medicare , CHIP , njll).
Ngokusho kokuhlaziywa okwenziwa yi-ACA Signups ngo-March 2016, imakethe ngayinye ihlanganisa abantu abangaba ngu-18.2 million noma cishe amaphesenti angu-5,6 we-United States inani labantu.
Uma uthola umshuwalense wakho wezempilo kumqashi wakho, noma kusukela ohlelweni lukahulumeni, izinga lakho liyakhula ngonyaka ka-2017 akuzona okwenza izihloko ezinhlobonhlobo kuleli hlobo (nakuba inqubo yokubuyekezwa kwe-premium yeqembu iqhutshwa ngesikhathi esisodwa, isilinganiso esilinganiselwe seqembu elincane elihlongozwayo ukwanda emazweni amaningi kunenani eliphansi kunezinga eliphakanyisiwe lezinga lemakethe ngayinye).
Ku-ACA Signups, uCharles Gaba ubelokhu elandelela ukwanda kwamazinga okuhlongozwayo ka-2017 futhi ebalinganisa ngokusekelwe emakethe emakethe othwala ngamunye. Umphumela-kusukela ngoJulayi owedlule, emazweni angu-37 kanye naseSifunda saseColumbia-isilinganiso samaphesenti angaba ngu-23.
Kodwa futhi, lokhu kusebenza kuphela emakethe ngayinye; ngamaphesenti angaba ngu-94 aseMelika, lezo zindleko eziphakanyisiwe azikwenzi.
Amanani awaqediwe
Cishe kuzo zonke izifundazwe, abalawuli basacubungula amazinga abahlinzeki bezempilo abafake ngawo ngo-2017. ICalifornia ne-Oregon baqedile inqubo yabo yokubuyekeza izinga ngoJulayi 2016, kepha amazwe amaningi ngeke aqede inqubo kuze kube ngoSepthemba noma ngo-Okthoba.
Ezimweni ezine (eMissouri, e-Oklahoma, eTexas nase-Wyoming), uhulumeni wesifundazwe uphethe inqubo yokubuyekezwa kwenani lemakethe yeqembu ngalinye nelincane (i-Alabama ithatha inqubo yokubuyekeza izinga layo kusukela ngo-Ephreli 2016, futhi uMissouri uzoqala ukuphatha inqubo yayo yokubuyekeza izinga kusukela ngo-2017).
Zonke ezinye izifundazwe kanye neSifunda saseColumbia ziqhuba ukubuyekezwa kwezinga labo, kodwa ububanzi balazo zibuyekezo zihluka kakhulu kusuka kwesinye isimo kuya kwesinye.
Abaningi bacela ukuhlaziywa komphakathi mayelana nokwanda kwezinga elihlongozwayo, futhi abanye babambe imihlangano yomphakathi ukuze baxoxisane ngeziphakamiso zesilinganiso futhi baqoqe impendulo evela kubathengi.
Abalawuli Abangenayo Ama-Magic Wands
Nakuba izindinganiso zomshuwalense wezempilo ezihlongozwayo zihlolwe ngabalawuli, izinga elivunyiwe landa liyakwazi ukuphela kakhulu kunokuba abathengi bangalindela. Uma izindleko ezihlongozwayo zilungiswa ngokuvumelana nezindleko zemali, kuncane ukuthi abalawuli bangakwenza ukuze bahlaziye ama-premium.
Nakuba izinhlaka zombuso nezombusazwe zihlangana nabaningi bomshwalense ukuze ziqaphele ukuthi zilungile yini, ezinye zithi azikwazi amandla okulahla noma ukuguqula (noma zikhuphuke noma zehla, ngokuya kwedatha) ukulinganisa ukulinganisa okubekwa ukuthi bangabulungiswa.
Imfuneko encane yezinhlaka zombuso ngenqubo yokubukeza izinga ukuthi abalawuli bahlola amanani ahlongozwayo namadokhumenti asekelayo, futhi banqume ukuthi ngabe amazinga ayenziwa yini njengamanje. Uma kungenjalo, lolo lwazi lunikezwa umshwalense wempilo, futhi uma umshuwalense eqhubeka nokusebenzisa amanani amasha ngaphandle kokuguqulwa okuqhubekayo, abalawuli bazisa umphakathi ukuthi amanani awulungile. Kodwa iziningi eziningi zinezinqubo eziningi zokubuyekezwa kwenani elivumela abalawuli ukuthi babe nokulawula okuphawulekayo uma amazinga ahlongozwayo ashintshiwe ngaphambi kokuba avunyelwe.
Kodwa-ke, izilawuli zombuso zingashintsha kuphela amazinga ahlongozwayo uma amazinga angafaneleki ngemininingwane.
Njengoba ukwanda kwezindleko zezindleko, yenzani ama-premium yomshuwalense wezempilo.
Abanakekeli bezempilo emakethe ngamunye neqembu elincane kudingeka bachithe okungenani ama-premium angu-80 ezindleko zezokwelapha nokuthuthukisa ikhwalithi yokunakekelwa kwezempilo (ngamaqembu amakhulu, okudingekayo okungenani amaphesenti angu-85 amaphesenti). Uma bomshuwalense bechitha okuningi kunalokho abavunyelwe ezindleko zokuphatha, kufanele bakhiphe izikweletu ezibhalweni zabo .
Lapho abahlinzeki bezempilo befayili amarekhodi ngonyaka ozayo, bayazi ukuthi idatha izohlolwa ngabaqondisi ngaphambi kokuba izinhlelo zitholakale ukuthenga, futhi bayazi nokuthi ukusetshenziswa kwabo izindleko zezokwelapha ezihambisana nezindleko kuzokuhlaziywa ngemuva kokuba uhlelo lwedlule luphelile .
Ngamafuphi, umshuwalense wezempilo angeke nje athengise amapulani nganoma iyiphi intengo ayithandayo. Kodwa uma idatha ibonisa ukuthi amaprimiyamu awahambisani nezindleko zemali, ababhalisi abanakho ukukhetha kodwa ukwandisa amaphrimiyamu. Futhi ngisho nasezifundweni ezinezinhlelo ezibuke kakhulu zokubuyekeza, abalawuli abanakho ukukhetha kodwa ukuvuma ukunyuka kwezinga eliphakanyisiwe uma befanelekile njengamanje.
Ukuxhaswa Kuzokwenqabela Izintaba Zamazinga Ezigidi zabantu
Ukuxhaswa kwe-Premium kuyisisekelo se-"esithengekayo" isici se-Care Affordable Act Act (ACA). Ngisho noma izinga lokugcina elivunyiwe liphakeme kakhulu njengamaphesenti angu-23 ejwayelekile okuphakanyiswa kwezinga eliphakanyisiwe, izinsizakalo ze-premium zizokwenyusa ingxenye ebalulekile yaleso silinganiso sokukhula.
Kusukela ngo-Mashi 31, 2016, abantu abangaphezu kwezigidi ezingu-11 babhalisiwe ekufundiseni ngemishwalense yempilo yomhlaba wonke, kanti amaphesenti angama-84.7 ayethola izinsizakalo ze-premium. Kulabo bantu-kanye nabantu abasha abasanda kuhlomula ngosizo lwezimali ngo-2017-izinsizakalo zinciphisa inani lentengo yokulinganisela ezingeni elibhekwa njengelithengekayo ngaphansi kwe-ACA.
Lapho uthuli luhlala emazingeni amasha ngo-2017, uhlelo lokubheka-uhlelo lwesibili lwezindleko zesiliva-endaweni ngayinye luzonqunywa. Uma inani elilinganiselwe lepulani lokulinganisa liphakeme ngo-2017 kunokuba lalingu-2016, ukuxhaswa okujwayelekile kuzophinde kuphakame, njengoba nje benza ngo-2016 .
Kuzodingeka kubhalise ama-exchange ukubuyela emuva kuma-akhawunti abo ngesikhathi sokubhalisa okuvulekile futhi uqiniseke ukuthi akusilo uhlelo olusha oluhlinzeka ngenani elingcono ngo-2017. Futhi nakuba ukukhuphuka kwe-premium kwipulani ethile kungase kube phezulu, ukuxhaswa abantu bakuleyo ndawo bazokwandisa kakhulu uma uhlelo lokubheka lube nokwanda okwenyuka kwamanani (ukukhumbula ukuthi uhlelo lokubheka uphawu lungaba yiluhlelo olusha ngokuphelele; kungumgomo wesibili wezindleko zesiliva endaweni ethile, futhi hhayi ngempela uhlelo olufanayo unyaka nonyaka).
Ngenxa yokuthi izinhlelo zingashintsha ngokuvumelana nokuthi amanani abo athathaniswa kanjani unyaka nonyaka, ayikho indlela yokwazi ukuthi usuzuza inani elihle kakhulu ohlelweni loxhaso ngaphandle kokungena emuva ku-akhawunti yakho yokushintshanisa futhi uqhathanise uhlelo lwakho lwamanje ezikhethweni ezizobe zitholakalayo ngonyaka ozayo (ukuyothenga iwindi ngokuvamile kutholakala ngesonto eliholele ekubhaleni, kodwa zonke izinhlelo zika-2017 zizotholakala ukuphequlula kanye / noma ukuthenga ngoNovemba 1, 2017).
Ama-Enrollees okungaxhunyiwe ku-Off
Uma ubhaliswe ohlelweni lomshwalense lwempilo emakethe ngaphandle kwemikhakha (noma uma unesiphakamiso sokushintshanisa kodwa uthole imali eningi ukuze uthole izinsizakalo), ungase ubhekane nokwanda okuphawulekayo kwezinga ngo-2017, kuye ngokuthi uhlala kuphi futhi yimuphi umshwalense wempilo oyisebenzisayo.
Uma kukhona ithuba lokuthi ungumxhaso-kufanelekile, uzofuna ukucubungula izinketho zokushintshanisa ngesikhathi sokubhalisa okuvulekile. Ama-glitches aphikisana nokuhwebelana ngo-2013 no-2014 axazululiwe kakhulu, futhi ukushintshaniswa yindawo eyodwa kuphela ongathola ngayo imali eyinzuzo.
Uma kungekho ndlela ongayithola ngayo-ungafanelekile, ungagcina noma uvale ukushintshaniswa, kepha uzofuna ukuqhathanisa okukhethwa kukho ngesikhathi sokubhalisa okuvulekile, kunokuba nje uvumele uhlelo lwakho lwamanje luvuselele ngokuzenzakalelayo.
> Imithombo:
> Amasevisi e-Medicare naseMedicaid Services, Isikhungo Sokwaziswa Komthengi kanye Nokuqapha Umshwalense. Izinhlelo Zokubuyekezwa Kwezinga Lokusebenza Zikahulumeni.
> Amasevisi e-Medicare naseMedicaid Services. Mashi 31, 2016 Isitoreji sokubhalisa esenziwe kahle.