Kubantu abangenakho ukufinyelela kumshuwalense oxhaswe ngumqashi, i-ACA ihlanganisa ukuxhaswa kokwenza umshuwalense wezempilo ube nokukhokhela. Kodwa akuwona wonke umuntu ofaneleka kahle kwenye yalezi zigaba ezimbili. Abanye abantu bathola uhlelo lokuxhaswa ngumqashi, kodwa abakwazi ukukhokhela ama-premium. Kwezinye zazo, i-ACA inikeza usizo. Kodwa phakathi kwabantu ababili nezigidi ezine, asikho isixazululo esihle kuleli phuzu.
Ubani obanjwe ku-glitch yomndeni?
Lokhu kungenxa yokuthi banamathela kulokho okubizwa ngokuthi "umndeni we-ACA" we-ACA futhi abanakho ukutholakala kokuthenga okungabizi kusuka kumqashi noma ukuxhaswa ngokusebenzisa ukuhwebelana.
Nansi inkinga: Ukuze ufanelekele ukuthola izinsizakalo ze-premium ekushintsheni, kufanele ube nenzuzo engadluli u-400% wezinga lobuphofu, futhi uhlelo lwesiliva oluphansi kakhulu olubiza kakhulu endaweni yakho kufanele ludle ngaphezulu kunanani elinqunyiwe ngaphambili. Kodwa kunesinye isici. Ukufaneleka kwamalikelo kuncike ekutheni umuntu ungene yini kumgomo oxhaswe ngumqashi ohlinzeka ngezinga elincane (lihlanganisa okungenani ama-60% wezindleko ezijwayelekile) futhi kubhekwa njengabizi. Ngonyaka we-2018, lokho kuchazwa njengesiza esingabizi ngaphezu kwamaphesenti angama-9.56 emali engenayo yomkhaya ngenxa yokuqashwa kwabasebenzi kuphela (lokhu kunciphisa kancane kusukela ngo-2017, lapho umshuwalense oxhaswe ngumqashi engabizi kufanele ungabizi ngaphezu kwezingamaphesenti angama-9.69 emali engenayo yomndeni ngoba umsebenzi wokusebenza kuphela)
Uma isisebenzi sinamalungu omndeni, izindleko ezengeziwe zokuzifaka emcimbini oxhaswe ngumqashi azicatshangwanga uma kunquma ukuthi uhlelo oluxhaswe ngumqashi "lungabizi." Njengoba abaqashi abaningi bakhokha ingxenye enkulu yezinyunyana zabo zomshuwalense wezempilo, izinhlelo eziningi ezixhaswe ngumqashi zibhekwa njengezithengekayo.
Futhi lokho "okuthengwayo" okuhlelekayo kufinyelele emkhakheni womndeni, ngisho noma umqashi engakhokhi noma yiziphi izinkokhelo zabo .
Isibonelo, cabanga ngomndeni wamahlanu ongenayo imali engu-R60 000 / ngonyaka. Zihle kakhulu ngaphansi kokunciphisa imali engenayo ukuze kutholakale ukufaneleka kwezibonelelo zenkxaso (400% wezinga lobuphofu lomndeni wamahlanu lingu-$ 115,120 wokunquma ukufaneleka kwezikweletu zentela ka-2018). Ake sicabange ukuthi umqashi womzali osebenzayo unikeza uhlelo lomshuwalense wezempilo oluhle, futhi ukhokhela izinkokhelo eziningi zabasebenzi. Ngakho umndeni ukhokhela u- $ 100 / inyanga ekhishwe kwi-paycheck ukumboza i-premium yomsebenzi. Lokhu kungu-2% kuphela wemali engenayo - kahle ngaphansi kwesigamu se-9.56% - ngakho ukubhekwa kuthathwa njengokungabizi.
Kodwa kuthiwani uma kubiza umndeni imali eyengeziwe ka-$ 900 / ngenyanga ukwengeza oshade naye nezingane ohlelweni oluxhaswe ngumqashi? Abanye abaqashi abakhuphuli noma iyiphi i-premium yokwengeza abaxhomekile, ngakho lokhu akuyona into engavamile. Manje ukukhishwa kwamaholo okukhokhelwa umshwalense wezempilo kungu- $ 1000 / inyanga, okuyi-20% yengeniso yabo yasendlini. Kodwa wonke umndeni usacatshangwa ukuthi unokuthola "umshuwalense wezempilo" okhokhelwa umqashi "ongenayo imali," ngoba ukuzimisela ukukhokhela kusekelwe kuphela kulokho abakhokhela ukumboza isisebenzi, hhayi isisebenzi kanye nabathembekile kanye / noma oshade naye.
Kwenzeka kanjani lokhu?
Konke lokhu kwacaciswa yi-IRS emthethweni wokugcina owawushicilela ngo-2013. Futhi nakuba inkinga ibizwa kabanzi ngokuthi "i-glitch yomndeni," akuyona i-glitch ngomqondo wokuthi icatshangwa ngokucophelela yiHhovisi Lokubika I-Government kanye ne-IRS ngaphambi kokuba imithetho iqedwe.
Ukukhathazeka ukuthi uma abaxhomeke kulokhu bekwazi ukuthola izinsizakalo ekushintsheni, kuzokwandisa inani elizokhokhelwa nguhulumeni ngokusizwa. Njengoba abaqashi kumele bahlangabezane nezidingo "ezingabizi" kubasebenzi babo, kwakukhona izinkathazo ukuthi abaqashi bangahle banciphise ngeminikelo abayenzayo kumaphesenti omshuwalense wezempilo, ngaleyo ndlela bathumele abashadile nabantwana abangaphezulu kakhulu ukuze banikeze imali ukuhlanganisa.
Singayilungisa?
Ngonyaka we-2014, uSeninkulu u-Al Franken wethule uMthetho Wokuvikela Umndeni (S.2434) ngomzamo wokuqeda umlenze womndeni. Kodwa lo mthetho awuhambanga noma kuphi ngenxa yokukhathazeka ukuthi ukulungiswa kwakuyoba kubi kakhulu (abantu abaningi bazofanelekela ukuthola izinsizakalo, ezixhaswa nguhulumeni wesifundazwe). U-Hillary Clinton uphinde uhlongoze ukulungisa umlenze womndeni njengengxenye yesikhulumi sakhe somkhankaso wokhetho, kodwa ekugcineni walahlekelwa ukhetho kuDonald Trump.
AmaRephabliki e-Congress agxile ekuqedeni nasekuthatheleni i-ACA ngesikhathi sesimiso sika-2017 somthetho, kodwa izinyathelo ezihlukahlukene eziphakanyisiwe azizange zidlule, kanti i-ACA ihlala ingalungile. Abazange baphakamise noma yiziphi izikweletu ezizobhekana ne-glitch yomndeni.
Kuhlala kubonakale ukuthi ngabe umndeni womndeni uzogcina unqunywe yini. Ngenhlanhla, izingane eziningi ezingabanjwa emndenini womndeni zifanelekile kwi-CHIP (Uhlelo lwezempilo lwezingane lwe-CHIP). Kodwa kulabo abangekho, kanye nalabo abashadile abahlala emndenini womndeni, ukusabalalisa kungasakwazi ukufinyelelwa, naphezu kokuba kuthiwa kubhekwe njengabizi.
> Imithombo:
> Federal Register, Umqulu 78, Inombolo 22 , Febhuwari 2013.
> I-GovTrack, S.2434, Umndeni Wokusebenza Komthetho (i-113th Congress)
> Insizakalo yangaphakathi yeNgeniso, Inqubo Yokuthola Imali Yonyaka 2016-24 .
> Insizakalo yangaphakathi yeNgeniso, Inqubo Yokuthola Imali Yenzuzo 2017-36 .
> Kaiser Family Foundation, Summary of the American Health Care Act, May 2017.