Awuyena umuntu wokuqala okuzokwephuza ukukhokha premium yomshuwalense wezempilo, futhi ngeke ube ngowokugcina. Kodwa-ke, njengoba kunezimpikiswano zokuba sekwephuzile, udinga ukuqonda ukuthi yiziphi imithetho, ukuthi ziyasebenza kanjani esimweni sakho, futhi kwenzekani uma usuphuzile ukukhokhela i- Obamacare yakho ye-premium yomshuwalense wezempilo.
Uma uthola umshuwalense wakho wezempilo ngokusebenzisa i- Affordable Care Act yokushintshwa komshuwalense wezempilo, ukuthi ama-premium yomshuwalense wezempilo osezingeni eliphansi alawulwa kanjani kuncike kulokho
- Kungakhathaliseki ukuthi lokhu kuyikhokhwa yakho yokuqala ye-premium ukuze uqale ukufakwa okusha noma ukukhokha ukuze uqhubeke nokusabalalisa osevele usasebenza.
- Kungakhathaliseki ukuthi uthola usizo noma cha ukuthola ukukhokhela umshuwalense wezempilo .
Imithetho iyinkimbinkimbi ekukhokhweni kweprimiyamu yokuqala kunokukhokhwa kwe-premium yenyanga ngokuqhubeka nokukhokha kwakho okukhona. Imithetho iyinkimbinkimbi kulabo abangenazo izinsizakalo, kanti labo abathola usizo lokukhokha umshuwalense wabo wezempilo banesikhathi eside somusa.
Ukukhokha Ukukhokhela I-Obamacare Yomshuwalense WezeMpilo Wakho Ekuqaleni
Uma usephuzile ukukhokha premium yomshuwalense wakho wezempilo ngenqubomgomo yomshuwalense wezempilo oyithenga nge-exchange, ukukhokhelwa kwakho umshuwalense wezempilo ngeke kusebenze. Ngeke uqinisekiswe .
Ezikhathini eziningi, ngesikhathi lokhu kwenzeka, isikhathi sokubhalisa sonyaka ovulekile sizophela, ngakho ngeke ukwazi ukusebenzisa kabusha ngokushesha. Ngaphandle kokuba ufanelekele isikhathi sokubhalisa esikhethekile noma iMedicaid , ngeke ube nelinye ithuba lokubhalisela umshuwalense wezempilo kuze kube sekubhaleni ngonyaka ozayo wokubhalisa.
Uma ufaneleka ukuthola i-Medicaid, ungabhalisa unyaka wonke.
Ukukhokha Ukukhokhela Imali Yomshuwalense Wempilo Yakho Yonke Inyanga Yenyanga
Uma usuvele ukhokhele i-premium yenyanga yakho yokuqala futhi umshuwalense wakho wezempilo usuphumelele, udlulisele isiphetho sokuqala. Manje, udinga ukwenza izinkokhelo zomshuwalense wenyanga yomshuwalense wezempilo ukuze ugcine leyo nqubomgomo yomshuwalense isebenza.
Uma usuphuzile ukukhokha premium yomshuwalense wezempilo wanyanga zonke, imithetho iyancipha kancane kuneyokukhokhelwa kwepayimenti yokuqala; kunesikhathi somusa. Indlela isikhathi somusa esebenza ngayo kuncike ekutheni uthola usizo lokukhokhela umshuwalense wezempilo noma cha.
Uma ungatholi usizo lwemali yomshuwalense wempilo yesikweletu sekhredithi ye- premium , uhlelo lwakho lwezempilo luzokhansela ngokujwayelekile ukufakwa kwakho emva kwezinsuku ezingu-30. Kuzodingeka ukhokhe lonke i-premium ekupheleni kwenkathi yomusa wezinsuku ezingu-30 noma uzobe ungaqinisekisiwe. Ukulahlekelwa yomshuwalense wakho wezempilo ngoba awuzange wenze ukukhokhelwa kwe-premium akukufanelekeli isikhathi sokubhalisa esikhethekile ekushintsheni.
Uma uthola imali yomshuwalense wempilo yesikweletu semali yentela yesikhokhelo sokukhokha intela futhi usuphelile ukukhokhela umshuwalense wakho wezempilo, unezinsuku ezingu-90 zomusa ngaphambi kokuba umshuwalense wakho wezempilo ukhanseliwe. Kodwa-ke, ngenxa yokuthi umshuwalense wakho wezempilo awukhanseliwe phakathi nalezi zinsuku ezingu 90 akusho ukuthi uhlelo lwakho lwezempilo luzokhokhela ngempela ukunakekelwa kwezokwelapha uma usuphuzile ukukhokha imali yakho ye-Obamacare premium.
Ezinsukwini ezingu-30 zokuqala, usemvalelweni, uhlelo lwakho lwezempilo luzoqhubeka nokukhokha izimangalo zomshuwalense wezempilo ngezinsizakalo zokunakekelwa kwezempilo ozithola. Uma unakekela ngemuva kwezinsuku ezingaphezu kwezingu-30 ukhokhele ukukhokhwa kwakho kuqala kodwa ngaphambi kokuba usufike izinsuku ezingu-90, umshwalense wakho uzokwazisa umhlinzeki wakho wezempilo ukuthi usephuzile ukukhokha imali yakho futhi lezi zimangalo zizogcinwa.
Uhlelo lwakho lwezempilo luzolinda ukubona ukuthi ukhokha imali yakho ye-premium noma ngaphambi kokucubungula isimangalo.
Uma uthola izinkokhelo zakho zama-premium kusesikhathini, umshwalense uzosebenza ngalezo zimangalo futhi azikhokhe njengenjwayelo. Uma ungatholi ama-premium akho kusesikhathini esiphakathi nesikhathi somusa wezinsuku ezingu-90, uhlelo lwakho lwezempilo luzokhansela ukubuyiswa kwakho okuphindaphindiwe kuze kube usuku oba yizinsuku ezingu-31 ukukhokha emuva kwesikhathi sokukhokhela umshwalense wakho womshuwalense wezempilo. Uzobe usuvuselelekile okungaqinisekisiwe kulolo suku, futhi izimangalo ezilindile zezinsizakalo ozitholile ngemva kwalolo suku zizonqatshwa .