Isizathu Sokuba Ufanelekele Ukukhululwa Ukunquma Indlela Osebenzisa ngayo.
Ukugunyazwa komuntu ngamunye we-Affordable Care Act kudinga ukuthi zonke izakhamuzi zase-US zibe nomshuwalense wezempilo noma ukhokhe inhlawulo ebizwa ngokuthi ukukhokhwa kwemfanelo okwabiwe . Futhi nakuba lesi sinxephezelo sizoqedwa kusukela ngo-2019, kusekhona isigwebo sokungaqinisekiswa ngo-2018 . Kodwa-ke, uma uthola umshuwalense wezempilo , ungahamba ngaphandle komshuwalense wezempilo futhi ngeke ukhokhele ukukhokhwa komthwalo wemfanelo.
Ukukhishwa kwomshuwalense wezempilo akuyona ukulingana okulinganayo-konke. Kunezizathu eziningi ezihlukene zokukhululwa, ngasinye sihlanganisa isimo esithile. Okunye ukukhululwa kuhle kulo lonke unyaka, kanti ubude bezinye izikhwama kunqunywe isimo esenza ukhululeke.
Ungafunda kabanzi mayelana nezinhlobo ezahlukene zemikhakha yempilo yomshuwalense wezempilo nokuthi ngabe ungafanele yini noma cha. Ukukhululwa kanzima uhlobo lokukhululwa abantu abaningi abazobe banesithakazelo kuzo. Funda kabanzi mayelana nokuthi " Indlela Yokuthola Ukukhishwa Kobunzima Emshuwalense Wezempilo ."
Ukufaka isicelo sokukhululwa
Njengoba ukukhishwa kwe-inshuwalense yezempilo akukona ukulingana okukodwa-konke, indlela ofaka isicelo yokukhululwa akuyona into efanayo-ubukhulu-konke, noma. Indlela ofaka isicelo sokukhululwa kuncike ekutheni ukhululekile.
Ezinye izimiso zomshuwalense wezempilo zinikezwa ngokuzenzakalelayo; akudingeki wenze noma yini. Ezinye izinhlobo zifunwa ngemuva kweqiniso uma ufaka ukubuya kwentela yakho yentela.
Ezinye iziphakamiso zomshuwalense wezempilo zidinga ukuthi ufake isicelo sokukhululwa ngomshuwalense wezempilo wombuso wakho. Ukushintshanisa kuzohlola uhlelo lwakho lokusebenza futhi lunikeze noma lunqabe isicelo sakho.
Kungakhathaliseki ukuthi uthola ukukhululwa kwakho ekushintsheni noma ku-IRS ekubuyiseleni kwentela yakho, uzosebenzisa i-Form 8965 ukucela ukukhululwa uma ufaka ukubuyiswa kwentela yakho.
NgoJanuwari 2017, i-IRS ibike ukuthi abafakizicelo bezentela ezizigidi ezingu-6.5 bakhokhele inhlawulo yokungaqinisekisiwe ngo-2015, kuyilapho izigidi eziyizigidi ezingu-12.7 zicele ukukhokhwa kwezigwegwe.
Izibonelo ongazithola kusuka ku-EITHER ukushintshaniswa noma ekubuyisweni kwentela
Kwezinye izimo, unenketho yokuthola ukukhululwa kwakho ekushintsheni, noma ukucela uma ufaka ukubuyiswa kwentela yakho:
- Uyilungu lenkonzo yokwabelana ngezempilo .
- Uyisilungu sesizwe samaNdiya esaziwayo e-federal.
- Wena usejele.
- Awungavumelekile ku-Medicaid kuphela ngoba umbuso wakho ukhethe ukungatholakali iMedicaid. Kunezi-19 ezithi azikazanga ukwandisa i-Medicaid, ishiya abantu abangaba yizigidi ezingu-2.4 emkhawulweni we- Medicaid .
Ukukhululwa Kwamangalelwa Uma Ufaka Ikhokhwa Yentela Yentela
Uma ukhululekile kumshuwalense wezempilo nganoma yiziphi zezizathu ezilandelayo, ungacela ukukhululwa kwakho uma ufaka ukubuyiswa kwentela yakho yentela ka-Ephreli 15 konyaka olandelayo.
- Ube negebe elilodwa elifushane ekuqhathaneni okwedlule izinyanga ezingaphansi kwezintathu (inothi ukuthi uma igebe lakho elikuyo lizohlala izinyanga ezintathu ungabe usenkonzweni yesigwebo sezinyanga ezintathu).
- Awuhlali e-United States ngokusemthethweni, noma ungumthetho ongewona isakhamuzi ongatholakali emshuwalense wezempilo, noma ungumakhelwane wase-US ohlala phesheya.
- Awukwazi ukuthola umshuwalense wezempilo ubiza amaphesenti angaphansi kwezingu-8.05 zemali yakho yasekhaya ngo-2018, kufaka phakathi abantu abathintekayo yi- glitch yomndeni . Uma ufanelekile kulokhu kukhululwa, cabanga isicelo sokukhululwa ngomshuwalense wezempilo wakho noma ngabe awudingeki ukwenza kanjalo. Lokhu kukhululwa okunye kwenza ube nokufanele ukuthenga uhlelo olubizayo oluyingozi kakhulu ngokusebenzisa ukushintshwa komshwalense wakho wezempilo ngisho noma ngabe ungenakufanelekile ngoba uneminyaka engaphezu kwengu-30 ubudala.
Njengoba uzodinga ubufakazi bokukhululwa ukuze ufanelekele uhlelo oluyingozi, uzozuza ngokuthola ukukhululwa ngemali yomshuwalense wakho wezempilo ngaphambi konyaka kunokuba ulinde uze ufake intela yakho ngonyaka ozayo.
Izibonelo ozisebenzisayo nge-Exchange Insurance Insurance Exchange
Uma ukhululekile emshuwalense wezempilo ngenxa yezizathu ezilandelayo, udinga ukufaka isicelo sokukhishwa kwe-inshuwalense yezempilo ngokusebenzisa ukushintshwa komshuwalense wezempilo.
- Wena ilungu lehlelo elihlonishwayo lenkolo likhona kusukela okungenani ngo-1950 elifuna umshwalense wezempilo. Ngokwenza njalo, lokhu kubaluleke kakhulu kumabandla aseMennonite ase-Amish nase-Old Order.
- Ufaka isicelo sokukhishwa kanzima komshuwalense wezempilo.
- Uyakufanelekela ukuthola ukunakekelwa kwezempilo ngokusebenzisa umhlinzeki wezempilo waseNdiya.
- Ukufakwa kwakho ekushintshaneni kuzocatshangelwa ukuthi akunakulungiswa ngokusekelwe enyangeni yakho ekhokhwayo ngonyaka ozayo (ukuhlinzeka ngo-2017, umkhawulo ongenakuphelelwa yisikhathi ngamaphesenti angu-8.16 emali engenayo yomndeni wakho, emva kokubalwa kwemali nganoma yimaphi ama-premium asekelayo).
- Ubhalise ekubhaliseni nge-AmeriCorp, VISTA, noma i-NCCC.
Funda ukuthi ungaxhumana kanjani nomshuwalense wezempilo wombuso wakho kusuka eThuluzi lokuthola indawo yeMakethe ye-HealthCare.gov. Yilungele ukunikeza ukushintshaniswa nobufakazi obunzima bakho noma ukufaneleka kwakho ukuthola ukunakekelwa kwempilo kumhlinzeki wezempilo waseNdiya.
Uma usebenzisa ngokusekelwe ekuphikisweni kwenkolo, izinqubo ziqinile kakhulu kubandakanya ukuyeka izinzuzo zakho zokuphepha kwezenhlalakahle. Buyekeza lezo zinqubo ku-" Ungayithola Yini Ukukhishwa Kwomshuwalense Wezempilo? "
Uma ufaka isicelo sokukhishwa kanzima futhi umbuso wakho usebenzisa i-federal exchange exchange exchange ku-HealthCare.gov, ungahlola isicelo sokukhishwa kanzima lapha.
Ukuxoshwa Kwomshuwalense Wezempilo Ozenzakalelayo
Ukukhululwa okulandelayo kuzenzakalelayo. Awudingi ukufaka isicelo sakho noma ukuwubiza ekubuyiselweni kwentela yakho engenayo, ngoba kusebenza kubantu abangadingeki ukuba bafake ukubuya:
- Imali engenayo yakho iphansi kakhulu kangangokuthi awudingi ukufaka intela yentela kahulumeni. Eyaziwa njengembalo yokufaka, inani lemali ongayenza futhi namanje akudingeki ukuba ulayishe izinguquko zentela unyaka ngamunye. Ungabheka umkhawulo wokufakela wamuva kuncwadi ye- IRS 501 .
Uma imali yakho engenayo ingaphansi kwesibalo sokufaka, ukukhululwa kwakho ku-othomathikhi. Ungase usuqede ukufaka ukubuyiswa kwentela ukuze uthole intela yentela eyayinqatshelwe ngumqashi wakho phakathi nonyaka. Uma kunjalo, kunesikhala kwifomu ye-Form 8965 yokumangalelwa.
Obani Abadingi Ukukhululwa?
Awudingi ukukhululwa uma unomshwalense wezempilo kakade. Lokho kuhlanganisa umshuwalense wemakethe ngamunye, umshuwalense oxhaswe ngumqashi, ukuhlinzekwa okuhlinzekwa nguhulumeni (VA, Medicare, Medicaid, CHIP, Tricare), kanye nezinye izinhlobo ezahlukene zokuhlanganisa.
Kukhona abanye abantu ukuthi uhulumeni wesifundazwe uthatha sengathi bahlangabezane nemfuneko yokuba nomshuwalense wezempilo ngisho noma bengenayo umshuwalense wezempilo. Laba bantu akudingeki bafake isicelo sokukhishwa kwemishwalense yempilo; ngeke kudingeke bakhokhele ukukhokhwa kwemfanelo okwabiwe, noma ngabe. Lokhu kusebenza kuwe uma:
- Uhlala ePuerto Rico, e-US Virgin Islands, e-American Samoa, e-Guam, noma e-Northern Mariana Islands. Ukuze lokhu kusebenze, kumele ube nokuxhumana okuseduze ne-US lapho ubiza khona indawo yokuhlala kunokuba uyenze e-United States ngokwawo noma ezweni langaphandle.
- Uhlala ngaphandle kwe-United States okungenani izinsuku ezingu-330 zonyaka futhi unekhaya lentela ngaphandle kwe-US (uma usaqhubeka nokubuyisela intela yakho yentela ne-US, naphezu kokuhlala kwelinye izwe okungenani izinsuku ezingu-330 ngonyaka, uzoba ukucela ukukhululwa kwesohlwayo ekubuyisweni kwentela yakho yase-US).
> Imithombo:
> Isevisi yangaphakathi yeNgeniso, ifomu 8965 . Ifinyelele ngo-5/31/16.
> Insizakalo yangaphakathi yeNgeniso, Ukuhlinzekwa Kwabanye Ngokuzibophezela Ngokwempahla - Izimpendulo: Ukumangalela noma Ukubika. Ifinyelele ngo-5/31/16.
> Insizakalo yangaphakathi yeNgeniso, Inqubo Yokuthola Imali Yonyaka 2016-24 . Ifinyelele ngo-5/31/16.
> UKoskinen, uJohn. Isevisi yangaphakathi yeNgeniso. I-letter kuya e-Congress mayelana nezinkampani zentela ka-2016 ezihlobene noMthetho Wokunakekelwa Okunganakekelwayo . NgoJanuwari 9, 2017.