Uma uthola usizo lukahulumeni lokukhokhela izinkokhelo zakho zomshuwalense wezempilo, kunesigatshana kwi- Care Affordable Act engakubangela izinkinga ezinkulu ngokuzayo ngo-Ephreli 15. Uma ungaqapheli, kungase kudingeke ukhokhe ingxenye noma yonke imali yakho yomshuwalense wezempilo umxhaso uma ufaka intela yakho. Nakhu ukuthi kusebenza kanjani nokuthi yini okudingeka ukwazi.
Insizakalo isekelwe kwingeniso elinganiselwayo Imali engenayo yangempela
Isamba semali yesikhwama somshuwalense wempilo yesikweletu semali yesikweletu se- premium esinikezwe isekelwe ekulinganeni kwemali engenayo yonyaka owamukelayo umxhaso.
Uma ukulinganisa kufana nalokho okwenza empeleni, ngeke ube nenkinga.
Kodwa, uma uthola ukuphakanyiswa, ibhonasi, noma imali yakho engenayo ihlukahluka unyaka nonyaka, ungangcolisa ngephutha imali yakho engenayo. Uma ungayitholi imali yakho engenayo, uzothola uxhasomali lwempilo yomshwalense omkhulu kunalokho okufanele uthola.
Ukukhetha Inketho Yokukhokha Okuthuthukisiwe Yandisa Ingozi Yakho
Njengoba igama layo liphakamisa, isikhwama somshuwalense wempilo yesikhwama semali yesikweletu se-premium yikweletu lesikweletu; kuqinisekiswe kuwe uma ufaka intela yakho ngemuva konyaka usuphelile.
Kodwa-ke, ngoba kunzima ukukhokhela i-premium yomshuwalense wakho wezempilo kule nyanga usebenzisa izimali ongazitholi kuze kube ngumhlaka-15 Ephreli, uMthetho Wokunakekelwa Onganakekelwayo uvumela ukuthi isikweletu sakhokhelwa ngaphambi kwesikhathi. Uma ukhetha inketho yokukhokha ephakeme, imali yesibonelelo ithunyelwa ngqo kwinkampani yakho yomshuwalense wezempilo inyanga ngayinye. Lokhu kunciphisa i-premium yenyanga ngenyanga oyikhokhela umshuwalense wezempilo.
Asikho isidingo sokulinda kuze kube ngu-Ephreli 15 th ; inketho yokukhokha ephakeme ikusiza ukuba ukhokhele umshuwalense wezempilo okwamanje.
Ngenxa yokuthi badinga imali yesibonelelo ukuze basize ukwenza izinkokhelo zabo zomshuwalense wenyanga, abantu abaningi bathatha insizakalo yabo yomshuwalense wempilo njengengakhokhelo esengaphambili. Kodwa-ke, ngenketho yokukhokha ephakeme, uma ungancipha imali yakho engenayo kwisicelo sakho somxhaso, usengozini yokuthola insizakalo yonkana yonyaka ngokusekelwe kokulinganiselwa okungenayo kwemali.
Ungase uthole imali eyengeziwe yenkxaso kunalokho okufanele uyenze.
Ungase Ukhokhwe Insizakalo Yomshuwalense Wezempilo
Uma uthola imali yomshuwalense wempilo yesikhwama semali yesikweletu se-premium, ingxenye yokulungiselela ukubuyiselwa kwentela yakho yentela yinkqubo ebizwa ngokuthi ukubuyisana . Kule nqubo, uqhathanisa inani lokuxhaswa uhulumeni empeleni akhokhele inkampani yomshuwalense wezempilo ngemali okufanele ngabe uyikhokhile ngokusekelwe ngenzuzo yakho yangempela ngonyaka. Uma lezo zimali ezimbili zihlukile, uzo "zibuyisana" uma ufaka intela yakho.
Uma uhlaziya imali engenayo yonyaka, khona-ke uxhasomali uhulumeni alukhokhele kusengaphambili ukuba umshwalense wakho ube mncane kunalokho okumele kube khona. Akukho ukulimala; akukho okungahambi kahle.Umahluko uzofakwa embuyisweni yakho yentela noma kuzokwehlisa inani lentela okhokhwayo.
Uma ungaphansi kokuthola imali yakho yonyaka, imali ekhokhelwa uhulumeni imali ngaphambi kwesikhathi ku-insurer yakho yayingaphezu kwalokho okumele kube khona. Kuzodingeka uvumelanise lokho ngokubuyisela ngokweqile uma ufaka intela yakho. Uma lokhu kuyi-$ 15, cishe akuyona leyo enkulu yebhizinisi. Kodwa, uma kungu-$ 1,500 futhi kufanele ufike ngokungalindelekile ngo-Ephreli 15 th , kuyinto enkulu kakhulu.
Okubi kakhudlwana, uma imali yakho engenayo iphakamisa ibe yi-dollar eyodwa ngaphezu komkhawulo we-cutoff wokuthola insizakalo yomshuwalense wempilo yesikweletu semali yentela yemali yentela, uzodingeka uyikhokhe yonke imali yesibonelelo uma ufaka intela yakho.
Lokhu kungaba yizinkulungwane zamaRandi uma ungacabangi kahle imali oyihola noma uma uhlala endaweni yomshuwalense wezempilo omkhulu. Njengoba ungenakuthola usizo lwemali yomshuwalense wezempilo uma ugijima ngemali, ukuza nezinkulungwane zamaRandi kungalindelekile kuzolimaza.