Ukuqonda Imali Exhaphazayo Eyanciphisa Ama-Deductibles, I-Copays, ne-Coinsurance
Ukuthenga umshuwalense wezempilo kuyabiza, kodwa ukukhokhwa ngenyanga yokuqala akuyona kuphela imali ehilelekile. Kumele ukhokhe amadokhumenti , ama- copayments , kanye nokuqinisekiswa kwemali njalo uma usebenzisa umshwalense wakho wezempilo.
Lezi zimali ezengeziwe ezingaphandle kwezimpahla ziyaziwa njengezindleko zokwabelana ngezindleko. Bangakwazi ukungeza kuze kube yizinkulungwane zamadola ngonyaka.
I- Care Affordable Act yenze izinsizakalo zokwenza nokusebenzisa umshuwalense wezempilo okungabizi kakhulu kubantu abanemali ethobekile.
Kunezinhlobo ezimbili ezihlukene zokuxhaswa:
- Insizakalo ekhokhela izinkokhelo zomshuwalense wezempilo wenyanga njalo ukuthenga umshuwalense wezempilo kungabizi kakhulu. Funda kabanzi mayelana nalokhu, " Indlela Uxhaso Lwempilo Yomshuwalense Wezempilo-Ukuqonda I-Premium Tax Credit ."
- Izinsizakalo ezisiza ukukhokhela izindleko ze-pocket ezifana ne-deductibles, i-copayments, ne-coinsurance. Lezi ziyaziwa njengezinsizakalo zokunciphisa izindleko futhi ziza ezingxenyeni ezimbili ezihlukene, zombili zazo ezihlanganisiwe kumacebo afaneleke ukuthola izinsizakalo zokwabelana ngezindleko.
- Okokuqala kunciphisa ukuphuma kwakho kwepokhethi . Funda kabanzi ku, " Indlela Uxhaso Lokunciphisa Ngaphandle Kokusebenza Kwakho Kwe-Pocket Maximum Works ."
- Okwesibili, uxhasomali olubhekiswe lapha, linciphisa inani okhokha ngalo imali ekhokhwayo, i-copayments kanye ne-coinsurance njalo uma usebenzisa umshwalense wakho wezempilo.
- Izinsizakalo zokwabelana ngezindleko zitholakala kuphela uma uthengisa uhlelo lwesiliva, futhi zifakwe ngokuzenzekelayo kuzo zonke izinhlelo zesiliva uma imali yakho engenayo ingadluli amaphesenti angu-250 wezinga lobuphofu. Lokhu kuqhathaniswa nokuxhaswa kwe-premium, okungasetshenziswa kumethusi, isiliva, igolide, noma i-plantinum, futhi okungamkelwa noma ukwenqatshwa ekuhlakanipheni kombhalisi.
Ukusebenza Kwensizakalo Yokunciphisa Izindleko Kunciphise Kanjani?
Ukunciphisa imali eyabelwe izindleko kunciphisa izindleko zakho ezingaphandle kwe-pocket uma usebenzisa umshwalense wakho wezempilo. Isibonelo, uma uhlelo lwakho lwezempilo lungadinga ukukhokhwa kwama-$ 50 njalo uma uvakashela udokotela, imali eyabelwa imali yokwabelana ngezindleko inganciphisa ukuthi ikhodiyali yakho ukhokhe imali engu-20 kuphela uma ubona udokotela.
Uma ngabe uhlelo lwakho lwezempilo luvame ukudinga imali engama-$ 2,000, imali eyabelwa imali yokwenza imali ingancipha.
Kunjengokuthola ukuthuthukiswa mahhala kumshuwalense wezempilo. Ukhokha i-premium yenyanga oyedwa uzobe ukhokhele inqubomgomo yomshuwalense wempilo ejwayelekile , kodwa umshuwalense wezempilo oyitholayo ungcono kunezilinganiso ngoba ukhokha ingxenye enkulu yezindleko zakho zokunakekelwa kwezempilo.
Imali Ekhokhelwa Ngayo Inini?
Ukuncishiswa kokunciphisa izindleko zokukhokhelwa imali akukona ukukhokha imali . Esikhundleni salokho, ikugcina imali ngokunciphisa izindleko zakho zokwabelana ngezindleko. Imali engakanani okusindisayo incike kwimali engenayo yakho nokuthi ungakanani umshwalense wakho wezempilo.
Abampofu wena, ukuhlanganyela kwakho kwezindleko kunciphise kakhulu. Inani lale nciphisa lisekelwe ekuqhathaniseni imali yakho engenayo kuze kube sezingeni lobuphofu elisemthethweni . Izinga lobuphofu laseSweden lishintsha njalo ngonyaka, futhi lusekelwe kokubili kokuhola kwakho kanye nosayizi womndeni wakho.
Ngaphandle kwemali eyabelwe imali , inkampani yakho yomshuwalense wezempilo izokhokha cishe amaphesenti angu-70 ezindleko zokunakekelwa kwempilo eziphelele kuzo zonke abhalisile (khumbula, kufanele ukhethe uhlelo lwesiliva ukuze uthole izinsizakalo zokwabelana ngezindleko, futhi izinhlelo ezivamile zesiliva zikhokha cishe Amaphesenti angu-70 ezindleko eziphelele zaso sonke isikebhe sababhalisile).
Ngenkxaso eyabelwe izindleko, inkampani yakho yomshuwalense wezempilo izokhokha:
- Izindleko ezijwayelekile ezingu-94 (okungukuthi, zingcono kunepulani ye-platinum) uma imali yakho engenayo ingamaphesenti angu-100 kuya ku-150% we-FPL.
- Kubantu abanenzuzo engu-2017 kusuka ku-$ 11,880 kuya ku-$ 17,820.
- Emibhangqwana eneholo lika-2017 kusuka ku-$ 16,020 kuya ku-$ 24,030.
(phawula ukuthi umkhawulo ophansi ongenayo wezinhlelo ezifanele ukuthola izinsizakalo zokwabelana ngezindleko ngamaphesenti angama-139 e-FPL emazweni asandise iMedicaid , ngoba abantu balawo mazwe bayakufanelekela iMedicaid ngenzuzo engenayo kuze kube ngu-138% wezinga lobuphofu).
- Amaphesenti angu-87 wezindleko ezijwayelekile (okungukuthi, kangcono kunecebo legolide, cishe njengecebo leplatinum) uma imali yakho engenayo ingamaphesenti angu-150 kuya ku-200% weFPL
- Kubantu abanenzuzo engu-2017 kusuka ku-$ 17,820 kuya ku-$ 23,760.
- Emibhangqwana enenzuzo engu-2017 kusuka ku-$ 24,030 kuya ku-$ 32,040.
- Amaphesenti angu-73 wezindleko ezijwayelekile (okungukuthi, kangcono kunecebo elivamile lesiliva) uma imali yakho engenayo ingamaphesenti angama-200 kuya kuma-250 amaphesenti e-FPL
- Kubantu abanenzuzo engu-2017 kusuka ku-$ 23,760 kuya ku-$ 29,700.
- Emibhangqwana enenzuzo engu-2017 kusuka ku-$ 32,040 kuya ku-$ 40,050.
Ikhamphani yakho yomshuwalense wezempilo ingakwazi ukuhlehlisa ukunciphisa izindleko noma ngabe ifuna nini nje kuphela uma uhlelo lwezempilo lukhokhela amaphesenti afaneleko wezindleko zokunakekelwa kwezempilo ezijwayelekile. Isibonelo, singanquma ukunciphisa imali yakho yokudonsa okuningi, kodwa shiya ama-copayments akho engashintshi. Noma, kungenzeka ukuthi kuncishiswe ukunciphisa imali yakho, kodwa ukhiphe imali yakho yokukhokha futhi unciphise imali yakho.
Kubalulekile ukukhumbula ukuthi iphesenti yezindleko ezihlanganiswe nenqubomgomo yomshuwalense wezempilo kubhekisela kwisilinganiso esiphezulu kuwo wonke umuntu-hhayi ekuhlinzekeni kwangempela komuntu othile. Uma uhlala unempilo unyaka wonke futhi ungeneli kakhulu ezindlebeni zokunakekelwa kwezempilo, uzokhokha ingxenye enkulu yezindleko zakho ngaphezu komuntu ogula kakhulu futhi ufaka izindleko ngaphezu kwenani eliphelele lokuphuma ngaphandle kwepulani .
Ezinye izindleko zokunakekelwa kwezempilo azifakiwe ekunciphiseni kwakho okwabelana ngezindleko. Izindleko zakho ezingaphandle kwezinto ezingagciniwe inqubomgomo yomshuwalense wezempilo noma akuyona inzuzo yezempilo ebalulekile ngeke zinciphise. Ingxenye ebhalisiwe-ikhokhelwe yokunakekelwa oyithola ngaphandle kwenethiwekhi ngeke iyancishiswe, ngakho unamathele nabahlinzeki be-inthanethi ukuze uthole okuningi kusuka kusibonelelo sakho.
Ubani Ofanelekile Ngenkxaso Yomshuwalense Wezempilo Yendleko?
Ukuze ufanelekele ukunciphisa imali eyabelwe izindleko, kufanele:
- Thenga umshuwalense wakho wezempilo ngomshuwalense wezempilo wombuso wakho.
- Khetha uhlelo lwezempilo lwesiliva .
- Yiba nemali engenayo kusuka kumaphesenti angu-100 kuya kuma-250 amaphesenti e-FPL (amaphesenti angu-139 kuya kuma-250 emaphesenti asezikhulwini ze-Medicaid).
- Hlala e-United States ngokusemthethweni.
- Akuboshiwe.
- Yiba nesimo sokufaka intela sokushada ngokushadile ngokuhlanganyela uma ushadile.
Indlela yokufaka isicelo seNkxaso Yokwabelana Ngezindleko
Faka isicelo soxhaso lokunciphisa izindleko ngemali yomshuwalense wakho wezempilo ngenkathi uthenga umshuwalense wezempilo. Ungafaka isicelo sezimali zesikweletu se-premium tax-credit kanye nesibonelelo esiphezulu se-pocket-esiphezulu ngesikhathi esisodwa. Lungele ukunikeza ulwazi lokushintshanisa mayelana neholo lakho, usayizi womndeni, nomqashi uma unomsebenzi. Uma uvumelekile ukuthola izinsizakalo zokwabelana ngezindleko, ukufakwa kokuthuthukiswa kuzokwakhiwa kuzo zonke izinhlelo zesiliva ezitholakala kuwe ngokushintshaniswa.
Ngaphandle kwezimo ezikhethekile, ungakwazi kuphela ukubhalisa umshuwalense wezempilo ngokusebenzisa ukushintshwa komshuwalense wezempilo wombuso ngesikhathi sokubhalisa okuvulekile . Ukuvulwa kokubhalisa ngo-2017 kugijima kusukela ngo-Novemba 1, 2016 kuya kuJanuwari 31, 2017. Uhlelo olufanayo luzosetshenziselwa u-2018, kodwa ngokuqala ngo-2019, ukubhaliswa okuvulekile kuzophela ngoDisemba.
Uma ubhalisa ohlelweni lwesiliva bese uthola usizo kodwa inzuzo yakho iyashintsha phakathi nonyaka, vumela ukushintshwa komshuwalense wezempilo wazi. Uma imali yakho engenayo ihlehla, ungase ufaneleke ukuba ukwabelana kwakho kwezindleko kuncishiswe nakakhulu.
> Imithombo:
> UMnyango wezeMpilo kanye noHumana Services, Value Actuarial kanye ne-Cost-Sharing Reductions Bulletin ,
> UMnyango WezeMpilo Nezinsizakalo Zabantu, Isaziso seNzuzo kanye neMigomo Yokukhokha ka-2017.
> Jost, uThimothewu, "Ukusetjenziswa kweNtuthuko yezeMpilo: Imiraro yokuSebenza neNtlawulo yokuThoma" efinyelelwe kwi-HealthAffairs.org,
> Isivikelo Sokugula Nomthetho Wokunakekelwa Ongathintekayo , isigaba 1402 (c).