Ingabe uvumelekile ukuqhubeka nomshuwalense wezempilo we-COBRA ngoba ulahlekelwa umsebenzi wakho , uhlukanisile, usanda kushaywa umfelokazi noma uguga umshwalense wezempilo osuselwe emsebenzini ? Lezo zenzakalo ezifanelekayo nazo zenza ube khona isikhathi sokubhalisa esikhethekile ekushintsheni komshuwalense wezempilo wase-Obamacare.
Ngaphansi kwe-COBRA, uzokhokha inani eligcwele lokufaka kwakho ngokwakho, kungakhathaliseki ukuthi izimo zakho ziphi.
Kodwa uma ukhetha uhlelo lokushintshanisa, ungase ufanelekele usizo lwezezimali oluzofaka ingxenye ye-premium (futhi kwezinye izimo, ingxenye yezindleko ezingaphandle kwe-pocket ).
Ukubhalisela i-Obamacare Uma unikezwa i-COBRA Health Insurance
Yebo. Unesikhathi esilinganiselwe ngemuva komcimbi ofanelekayo (ukulahlekelwa umsebenzi wakho noma ukuhlukanisa, isibonelo) ukubhalisela i-COBRA. Umcimbi obangela ukuba ulahlekelwe ukufinyelela kuhlelo lwakho oluxhaswe ngumqashi futhi luzokwenza isikhathi sokubhalisa esikhethekile esikhawulelwe ku- Care Affordable Act Act yokushintshanisa umshuwalense wezempilo (noma uhlelo lwe-ACA oluvumelanisa ngaphandle kokushintshaniswa).
Unamafasitela wezinsuku ezingu-60 ongayibhalisa, kungakhathaliseki ukuthi uzokhetha ukuqhubeka nohlelo lwakho oluxhaswe ngumqashi nge-COBRA, noma ukhethe uhlelo olusha lomakethe ekushintsheni (noma ukushintshaniswa, nakuba uxhasomali lwe-ACA premium ayitholakali ngaphandle kokushintshaniswa).
Ezinsukwini zokuqala zika-Obamacare, umthetho wawuwukuthi uma ukhethe ukuhamba ne-COBRA, isikhathi sakho sokubhalisa esikhethekile somakethe ngamunye sizophela ngaleso sikhathi, kungakhathaliseki ukuthi zingakanani izinsuku zakho ezingu-60 eziphelile. Ngakho-ke, uma ngabe umsebenzi wakho wokusekela umsebenzi uzophela ngo-Juni 30 futhi ukhethe ngoJulayi 15 ukuqhubeka nawo nge-COBRA, ngokuyisisekelo ulahlekelwe izinsuku ezingu-45 zokubhalisa okhethekile owawunayo ngokukhetha uhlelo lomakethe ngamunye.
Kodwa lokho kwashintsha ngasekupheleni kuka-2016. I-HHS yaqaphela ukuthi abanye abantu babhalisela i-COBRA ngesikhathi bexoxa nabo lapho beyeka imisebenzi yabo futhi benza kanjalo ngaphandle kokuqonda ngokugcwele indlela okukhethwa ngayo emakethe kanye namanani okuqhathaniswa nokulondoloza uhlelo oluxhaswe ngumqashi ne-COBRA. Ngakho imithetho yaguqulwa ukuze ivumele abantu ukuba baqhubeke nezinsuku zokubhalisa ezikhethekile ezingu-60 zemakethe ngayinye, kungakhathaliseki ukuthi bayamukele i-COBRA noma cha .
Iwindi yokubhalisa kwezinsuku ezingu-60 zokuthengiswa kwamakethe ngamunye (ie, uhlobo oluthile oluthengayo ngokwakho, ngokujwayelekile ngokuthengiselana kwama-Obamacare, kodwa futhi ngqo kusuka kubathwali bomshuwalense) uqala ngosuku usuku lokuqashwa kwakho okuxhaswe ngumqashi luphela-noma luzophela uma u-hasn 'wamukele i-COBRA.
Ngisho noma ukhetha i-COBRA ekuqaleni kwaleli festile, usenayo izinsuku ezingu-60 ezigcwele ukuze ukhethe esikhundleni somgomo ngamunye wemakethe. Lokhu kungasiza kakhulu uma abantu bezithola besesimweni lapho uhlelo lwabo oluxhaswe ngumqashi luphela phakathi nenyanga futhi luphakathi kokwelashwa. Kulokho, usuku lokuqala olusebenzayo lwecebo lomakethe oluthengwe ngalo lokushintshaniswa luyoba ngowokuqala lwenyanga elandelayo.
Kodwa i-COBRA ingasetshenziselwa ukumboza insalela yenyanga lapho uhlelo oluxhaswe ngumqashi luzophela khona, futhi lowo muntu angashintsha kuhlelo lomakethe ngalunye uma lokho kuveza inani elingcono.
Uma iwindi lezinsuku ezingama-60 seliphela, awusenayo ithuba lokukhetha i-COBRA uma ungakabi khona, futhi awusenayo inketho yokukhetha uhlelo lomakethe ngamunye uma ngabe ukhethe okokuqala ku-COBRA esikhundleni (uzobe ithuba lokushintshela ohlelweni lomakethe olulodwa ngesikhathi sokubhalisa esilandelayo , okwenzeka njalo ngonyaka ukuwa, kepha ukhetho lokukhetha i-COBRA lanyamalala ngokuphelele lapho iwashi lokuqala liphela).
Ngakho kubalulekile ukukhetha ngokuhlakanipha, njengoba uzovalelwa ekukhethweni kwakho okwesikhashana ngemuva kwesikhathi. Kodwa umthetho okhululekile wokubhaliswa okukhethekile emakethe ngayinye (uma usufinyelela ku-COBRA) kusho ukuthi ungathatha isikhathi sakho futhi ungashintsha ingqondo yakho, uma nje wenza njalo kungakapheli izinsuku ezingama-60.
Ngingayithola I-Obamacare Subsidy Yokusiza Ukukhokhela i-COBRA?
Cha. Bobabili uxhasomali lwemali yomshuwalense wempilo yesikweletu semali yentela kanye nenkokhelo yokwabelana ngezindleko ezitholakalayo eMakethe ingasetshenziswa kuphela ngezinhlelo zezempilo ezithengwa ngeMakethe . Uma uthenga umshuwalense wezempilo ovela kwiMakethe, kungakhathaliseki ukuthi yi-COBRA yokuqhutshwa kokuqhubeka noma omunye umshuwalense wezempilo wangasese, awukwazi ukusebenzisa umxhaso we- Obamacare ukuze ulahle izindleko.
Ingabe i- Offer of COBRA Inshuwalense ingenza Ngingenelele I-Obamacare Subsidy?
Cha. Ukunikezwa ngokukhululekile kwe-COBRA akuthinteki ikhono lakho lokufanelekela umxhaso we-Obamacare. Kodwa, ukuze uzuze insizakalo, kuzodingeka unikeze ukubhalwa kwe-COBRA yakho futhi ubhalise ohlelweni lwe-Obamacare ngokusebenzisa ukushintshaniswa komshuwalense wezempilo ngesikhathi sakho sokubhalisa esikhethekile sezinsuku ezingu-60. Kuzodingeka futhi uhlangabezane nemali engenayo kanye nezinye izidingo ukuze ufanelekele ukusizwa.
Uma Ngilahleka noma Ngisusa I-COBRA Ukubambisana Kwami, Ngingakwazi Yini Ukuthola Imali Yokuxhasa I-Obamacare?
Kungenzeka. Ukulahlekelwa noma ukukhansela i-COBRA yakho akukwenzeki ukuthi akufanelekile ukuthola umxhaso we-Obamacare, kodwa kungathinta ukufaneleka kwakho ohlelweni lwe-Obamacare. Njengoba ungasebenzisa kuphela isibonelelo ngesicwangciso se-Obamacare, okufanelekele ukukhokhela imali angeke ikusize nhlobo uma ungafanelanga ukubhalisela uhlelo lwezempilo lwe-Obamacare.
Uma ulahlekelwa yomshuwalense wakho wezempilo we-COBRA ngoba isikhathi sakho sokufaneleka soku-COBRA sezinyanga ezingu-18-36 siphelelwe yisikhathi, ufanelekile isikhathi sokubhalisa esikhethekile sezinsuku ezingu-60 kuMakethe (kufana nesikhathi sokufaneleka esifaka isicelo lapho usufanelekile ku-COBRA ). Ungabhalisa ohlelweni lweMakethe bese ufaka isicelo somxhaso phakathi nalesi sikhathi esikhethekile sokubhalisa.
Uma ngokuzithandela usula ukukhishwa kwakho kwe-COBRA noma ulahlekelwe ngoba awuzange ukhokhe ama-premium akho , ngeke ukwazi ukuthola ukubhaliswa okukhethekile kwe-Marketplace. Kuzodingeka ulinde kuze kube yisikhathi sokubhalisa esilandelayo sokubhalisela uhlelo lwe-Obamacare. Phakathi naleso sikhathi sokubhalisa esivulekile, ungase ufake isicelo somxhaso womshuwalense wezempilo wesikweletu se-premium kulabo abanemali engaphansi kwezingu-400% zezinga lobuphofu elisemthethweni kanye nesibonelelo sokwabiwa kwamanani kulabo abanenzuzo engaphansi kwama-250% we-FPL.
Ngenzeni?
Uma uqala ukufaneleka ku-COBRA, bheka ngokucophelela isimo sakho sezezimali futhi ucwaninge ukuthi izinkokhelo zakho ze-COBRA zingakanani . Zibuze ukuthi uzokwazi yini ukukhokhela izinkokhelo ze-COBRA ezinikezwe ushintsho esimweni sakho sezimali esibangelwa umcimbi wakho ofanelekayo.
Okulandelayo, thola ukuthi uzobe ufanelekile yini ukuthola usizo lokukhokhela umshuwalense wezempilo oyithengayo ngeMakethe. Uma ufanelekile umxhaso, ingabe uhlelo lwe-Obamacare lungakanani olufana nezindleko zakho zamanje emva kokusizwa?
Qhathanisa izindleko zakho zokwabiwa kwe-Obamacare enikeziwe ngezindleko zakho zokukhishwa kwe-COBRA. Okubalulekile ekuthuthukisweni kwezinga lakho ngehlelo lakho lempilo lamanje ngokumelene nokushintsha izinhlelo zezempilo, bese ubeka isinqumo sakho kulezi zici.
Imithombo:
HealthCare.gov. Ukuhlola kwe-COBRA ne-Marketplace.
> HealthCare.gov. I-glossary: > Isikhathi sokubhalisa esikhethekile
I-Kaiser Family Foundation. I-Health Reform FAQs Tag: COBRA
UMnyango Wezabasebenzi wase-United States, Ukuphathwa Kwezokuphepha Kwezisebenzi. Imibuzo Ephathelene Ne-COBRA Yokuqhubeka Nempilo.