Uma usemusha kumshuwalense wezempilo e-United States, uzothola kubiza. Kodwa izindleko akuyona inkinga yodwa yabaqalayo abazama ukuthola umshuwalense wezempilo. Futhi kuyisimiso esiyinkimbinkimbi esinamaphuzu amaningi wokufaka. Njengoba ungathola umshwalense wezempilo kusuka emithonjeni eminingi ehlukene, isibonelo, uhulumeni, ovela emsebenzini wakho noma eyunivesithi, noma enkampanini yomshuwalense wangasese, akusobala ukuthi kufanele uqale ukubuka nini lapho uthengela umshuwalense wezempilo ophansi.
Ngaphambi kokuxoxa ngezinketho zakho zomshuwalense wezempilo wamahhala noma wezindleko eziphansi, qondisisa into eyodwa: umshuwalense wezempilo awunaso mahhala ngempela futhi awuvamile neze izindleko eziphansi ngempela. Umshuwalense wezempilo ongekho mahhala noma wezindleko ezincane kuwe kusho enye yezinto ezimbili
- Omunye uxhasa ama-premium wenyanga ukuze ungakhokhi imali egcwele.
- Izinzuzo zancishisiwe ngakho ukuthenga okuthengayo akuyona umshwalense wezempilo ophelele; kungokokugcina okunamandla.
Okulandelayo, uzothola izinketho eziningana zempilo yomshwalense wezempilo yamahhala noma ephansi, kanye nencazelo yokuthi ubani ofanelekayo, ukuthi ungayisebenzisa kanjani nokuthi yini ongayilindela.
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Umshuwalense Wezempilo Okukhululekile Noma Okuphansi I-Option 1: UkuxilongwaI-Medicaid uhlelo lwezenhlalakahle oluhlinzekela umshuwalense wezempilo olusekelwe kuhulumeni kubantu abahola imali encane. Medicaid kuyinto umshuwalense wezempilo mahhala kulabo abafanelekayo. Ezimweni eziningi, azikho izinkokhelo zenyanga zonke, futhi akukho ukwabiwa kwezindleko okungezansi noma okuncane ngendlela yokunciphisa ama-copayments.
I-Medicaid isebenza ngokuhlukile ngombuso ngamunye, kodwa ukuze ufaneleke, kufanele uhlangabezane neziqondiso ezincane zentela. Ezimweni eziningi, uzokwazi ukuthola iMedicaid uma imali yakho engenayo ingu-138% wezinga lobuphofu lombuso noma ngaphansi. Kodwa-ke, ezinye zithi zinezinqubo ezifanele zokufaneleka. Kulawo mazwe, kufanele uhlangabezane neziqondiso ezingenayo imali futhi ube yilungu leqembu elithathelwana ngemithi elinjengomama okhulelwe, umuntu osekhulile, oyimpumputhe, ukhubazekile noma ingane.
I-Medicaid ingase itholakale kubafokazi abahlala ngokomthetho e-United States iminyaka emihlanu noma ngaphezulu uma behlangabezana nezidingo zokufaneleka. I-Medicaid ayitholakali kubantu abangaphandle kwamanye amazwe, nakuba kungase kube khona okungafani nokwebiwa kwesikhathi esifushane kwe-Medicaid ezimweni eziphuthumayo, nokuhlinzekwa okuphuthumayo kwabesifazane abakhulelwe.
I-medicaid ikhokhwa intela yombuso kanye nesifundazwe. Uma uthola i-Medicaid, abangani bakho, omakhelwane, kanye nezakhamuzi ezikanye nabo bakhokha ukunakekelwa kwezempilo nge-dollar yabo yentela. Nakuba iMedicaid ingumshwalense wezempilo kahulumeni, iningi lokunakekelwa olunikezwa abamukeli be-Medicaid linikezwa ngamabhizinisi ezizimele kanye nabahlinzeki bezempilo. Uma uthola i-Medicaid, cishe uzogcinwa ezibhedlela ezifanayo kanye nodokotela abafanayo njengomakhelwane bakho abanomshwalense wezempilo wangasese.
Ungafaka isicelo se-Medicaid ngokusebenzisa i-Care Affordable Care Act yakho yomshuwalense wezempilo noma ngokuxhumana ngqo ne-State Medicaid program yakho.
- Indlela iMedicaid isebenza ngayo
- Uyini umehluko phakathi kwe-Medicaid & Obamacare?
- Ngomzimba Wami Ofile-Indlela I-Medicidal Esebenzisa Ngayo Imali Ngemva Kokufa Kwakho
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Umshuwalense wezeMpilo wamahhala noma wezindleko eziphansi Option 2: Umshuwalense Wezempilo WesikhashanaUmshuwalense wezempilo wesikhathi esifushane uvame ukubiza kancane kunomshwalense wezempilo ophelele. Ngenxa yalesi sizathu, kuyindlela ekhangayo kwabanye abantu abafuna ukufakwa kwesikhashana. Amapulani wesikhathi esifushane ayatholakala kuze kube izinyanga eziyisithupha zokuqashwa. Awukwazi ukuvuselelwa. Kwamanye amazwe, ungathenga enye inqubomgomo yesikhathi esifushane yenyanga engu-6 ngemuva kokuphela kokuqala kwakho, ngokuyinhloko ukukunika unyaka owodwa wokubika. Kwezinye izifundazwe, awuvumelekile ukuthenga emuva emuva izinyathelo zomshwalense wezempilo wesikhashana, ngakho-ke uzobe ukhawulelwe ezinyangeni eziyisithupha zokuqala.
Nakuba umshuwalense wezempilo wesikhashana ungaba inketho yempilo yomshuwalense ophansi, akulungile wonke umuntu. Okokuqala, akukwanelisi isidingo se- Careord Affordable's ukuba nomshuwalense wezempilo obanzi, ngakho ngeke kukusize ugweme inhlawulo yentela yokungabi nokuqinisekiswa .
Ukwengeza, izinhlelo zomshuwalense wezempilo wesikhathi esifushane akudingeki ukuba ulandele yonke imithetho ephathekayo yokunakekelwa komsebenzi. Isibonelo, inqubomgomo yomshuwalense wezempilo yesikhashana ingafaka ikhanda ngezinzuzo, inciphisa ukulahlekelwa okungenzeka ukuthi umshuwalense uzoba namandla kakhulu (futhi ngokujulile) ugula ngenkathi uhlanganisiwe. Umshuwalense wezempilo wesikhathi esifushane akudingeki uhlanganise zonke izinzuzo ezibalulekile zezempilo. Isibonelo, kungase kungabikho ukunakekelwa kokubeletha noma ukulawulwa kokuzalwa .
Izinkampani zomshuwalense zingafaka abafakizicelo umshwalense wezempilo wesikhathi esifushane ngenqubo yokubhala phansi, ngakho-ke uzokhokhiswa ngaphezulu uma unesimo esandulele . Ungakwazi ngisho nokuguqulwa ukuze uthole ukukhokhelwa ngokuphelele uma umshwalense ezwa ukuthi unengozi enkulu kakhulu yokuqinisekisa. Kodwa-ke, uma usemncane, unempilo, futhi ubhekene nengozi encane yezimangalo ezibizayo zomshuwalense, umshuwalense wezempilo wesikhashana ungaba inketho yempilo yomshuwalense wezinga eliphezulu.
Ungathenga inqubomgomo yomshuwalense wezempilo yesikhashana ngqo kusuka enkampanini yomshuwalense wezempilo, sebenzisa i-agent yakho yomshuwalense, uthole i-agent yomshuwalense wezempilo noma umthengisi kwiwebhusayithi ye-National Association of Health Underwriters, noma usebenzise ukushintshaniswa okungaxhunyiwe ku-intanethi okuzimele ehealthinsurance.com. Kodwa-ke, umshuwalense wezempilo wesikhathi esifushane awuthengiswanga kwi-Care Affordable Act Act yomshuwalense wezempilo njengempilo ye-HealthCare.gov.
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Umshuwalense Wezempilo Okukhululekile Noma Okuphansi I-Option 3: Insizakalo Yokuqashwa KwamakhompiyuthaI-Care Affordable Act inikeza izinsizakalo zikahulumeni zokuthenga umshwalense wempilo engabizi kakhulu kubantu abanemali ethobekile, futhi basize ukwenza kokubili ukuthenga nokusebenzisa umshuwalense wezempilo okungabizi kakhulu kubantu abanemali ephansi.
Uma unemali engenayo phakathi kuka-100% no-400% wezinga lobuphofu lobufelandawonye, ungase ufanelekele umxhaso wesikweletu sentela ye- premium . Uma uthola le nsizakalo, uhulumeni uhlawula ingxenye yomshuwalense wakho wenyanga yomshwalense wezempilo, futhi ukhokhe konke.
Uma imali yakho engenayo iphakathi kuka-100% no-250% wezinga lobuphofu lombuso, ngeke uthole kuphela usizo lukahulumeni lokukhokhela umshuwalense wezempilo, ungathola futhi usizo olwengeziwe lukahulumeni lokukhokha imali yakho yokubambisana, imali yokukhokhela imali kanye nokuqinisekiswa kwemali uma usebenzisa umshwalense wakho wezempilo. Lokhu kwaziwa njengenkxaso- mali yokunciphisa izindleko .
Lezi zinsizakalo zingasetshenziswa kuphela ukuthenga umshuwalense wezempilo wakwa-Obamacare ezithengiswa ngemishwalense yomshuwalense wezeNhlalakahle ongenakuthembekile, owaziwa nangokuthi iMakethe. Ngeke zisetshenziselwe ukukhokhela umshuwalense wezempilo ngomsebenzi wakho noma uhlelo lwezempilo oluthengwe kuMakethe. Imalikelo ye-Obamacare ayitholakali kwabokufika abangabhalisiwe. Kodwa-ke, iningi labantu abahlala kwamanye amazwe abangahlala ngokomthetho bangafaka isicelo. Funda kabanzi mayelana nabangaphandle kanye ne-Obamacare kusuka ku-HealthCare.gov lapha.
Uma ungumhlali wezomthetho, ungafaka isicelo somxhaso womshuwalense wezempilo futhi ubhalise ohlelweni lwezempilo emshwalweni we-umshuwalense wezempilo owenziwa nguhulumeni wakho noma uhulumeni wesifundazwe. Thola indawo yomshuwalense wezempilo wombuso wakho usebenzisa le thuluzi.
- Indlela Umxhaso Wesikhwama Somshuwalense Wezempilo Wesikweletu Sokukhokhelwa Kwemali Yesikweletu Sisebenza Ngayo
- Indlela Uxhaso Lokunikezwa Kwezindleko Lisebenza Ngayo
- Indlela Uxhaso Lwempilo Yomshuwalense WezeMpilo Lungakubiza Ngayo Isikhathi Esikhulu
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Umshuwalense Wezempilo Okukhululekile Noma Okuphansi I-Option 4: Uhlelo Lwezempilo Olusekelwe UmsebenziAbaqashi abaningi e-United States banikeza umshwalense wezempilo kubasebenzi babo kanye nemindeni yabasebenzi babo njengengxenye yezinzuzo zabasebenzi kanye nephakheji lezinkokhelo. Lokhu kuvamile kakhulu kubasebenzi besikhathi esigcwele zezinkampani ezinkulu. Akuvamile njengabasebenzi besikhathi esithile noma kubasebenzi bamabhizinisi amancane.
Nakhu ukuthi kusebenza kanjani. Uma uthola umsebenzi oza nezinzuzo zomshuwalense wezempilo, unesikhathi esilinganiselwe sokubhalisela umshuwalense wezempilo umqashi wakho onikezelayo. Uma ungayibhalisi ngaphambi kosuku lokugcina, kuzomele ulinde kuze kube yisikhathi sokubhalisa sonyaka ovulekile .
Umqashi wakho anganikeza uhlelo olulodwa lwezempilo, noma anganikeza izinketho eziningi ongakhetha kuzo. Uma usubhalisile ohlelweni lwezempilo oluxhasiwe nenkampani, kunesikhathi esifushane sokulinda ngaphambi kokuqala kokuqala kwakho. Lokhu ngokuvamile kusuka ezinsukwini ezingu-30-90.
Uma unomshuwalense wezempilo oxhaswe ngumqashi, umqashi wakho uvame ukukhokhela ingxenye yama-premium ngenyanga bese ukhokha ingxenye yama-premium. Isabelo sakho samaphrimiyamu sithathwe ngokukhokha ngokuzenzakalelayo ngakho akudingeki ukhumbule ukukhokha inyanga ngayinye. Ezimweni eziningi, lokhu kukhishwa kwemali kukhishwa esikhokhelweni sakho ngaphambi kokuba kubalwe intela yakho engenayo; ngale ndlela, awukhokhi intela yentela ngemali oyisebenzisayo kuma-premium yomshuwalense wezempilo.
Ngokungafani nezinhlelo ze-Obamacare, nomshuwalense wezempilo osekelwe emisebenzini, umqashi wakho akasize akusize ukhokhe izindleko zokwabelana ngezindleko ezinjengokudonswa kwemali, ama- copays kanye no-coinsurance . Kodwa-ke, abaqashi banganikeza izinhlelo zokulondoloza njenge- akhawunti ye-Flexible Spending Accounts , ama- Akhawunti Wokulondoloza Impilo , noma Amalungiselelo Okubuyiselwa Kwezempilo ukusiza ukukhokhela lezi zindleko lula.
Ezimweni eziningi, uma ushiya noma ulahlekelwa umsebenzi wakho , uphinde ulahlekelwe umshwalense wakho wempilo. Kodwa-ke, ungase uvumelekile ukuqhubeka nalokhu kunikwa izinyanga ezingu-18 ngokusebenzisa ukuqhutshwa kwe-COBRA uma uzimisele ukukhokha kokubili ama-premiums akho kanye nengxenye yamaphrimiyamu umqashi wakho ayekhokha.
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Umshuwalense wezeMpilo wamahhala noma wezindleko eziphansi Option 5: Uhlelo lwezempilo lomlinganiUma oshade naye enomshwalense wempilo esekelwe emisebenzini, ungase ufanelekele ukuhanjiswa okufanayo. Abaqashi abaningi banweba isipho somshuwalense wempilo esekelwe emisebenzini kwabashadile babo, izingane kanye nabantwana abathintekayo. Kumele ubhalisele lokhu okushiwo ngesikhathi sokubhalisa kokuqala lapho oshade naye eqala umsebenzi wakhe. Uma ulahlekelwa leli thuba, uzoba nelinye ithuba ngesikhathi sokubhalisa ngonyaka ovulekile.
Uma umqashi womlingani wakho enikeza uhlelo lwezempilo lenkampani kuwe nabantwana bakho, awuphoqelekile ukuba uyamukele. Uma ungathola ukuthenga okungcono kunomsebenzi womshuwalense wezempilo wena nabantwana, kulungile ukuvumela umqashi womngane wakho ukuba amboze umlingani wakho kuphela, kuyilapho wena kanye nezingane zikhetha enye inzuzo.
Nakuba abaqashi ngokuvamile baxhaphaza umshuwalense wezempilo esekelwe umsebenzi, ngokukhokha ingxenye yama-premium yenyanga, umqashi angase anganikeli usizo lokuqasha noma lomndeni. Uma umqashi womlingani wakho enikezela umshuwalense wezempilo kumalungu omndeni wakhe, ingxenye yakho yamaphrimiyamu izokhishwa ngokukhokha ngokukodwa.
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Umshuwalense Wezempilo Okukhululekile Noma Okuphansi I-Option 6: Uhlelo Lwezempilo LomzaliUma uneminyaka engaphansi kwengu-26 ubudala futhi umzali wakho unomshuwalense wezempilo osekelwe emisebenzini, u-Obamacare, noma umshuwalense wezempilo obanzi othengiwe ngasese, ufanelekile ukuthola ukuhlinzekwa ngaphansi kohlelo lwezempilo lomzali wakho noma ngabe awuyena umxhasi wetela lomzali wakho , ushada, noma uhlala wedwa.
Kungadingeka ulinde kuze kube yisikhathi esilandelayo sokubhalisa esivumelwaneni sohlelo lwezempilo lomzali wakho ukuba sengezwe kumshuwalense wempilo yomzali wakho. Kodwa-ke, uma usanda kulahlekelwa esinye somshwalense wezempilo omningi, ungase ukwazi ukubhalisa ngisho nangaphambi kokubhalisa okuvulekile uma uhlangabezana nezidingo zezinhlelo zezempilo ngesikhathi sokubhalisa esikhethekile .
Abanye abaqashi bangabaniki nje kuphela umshuwalense wezempilo wabasebenzi babo kodwa futhi banakekelwa yomshuwalense wezempilo emindenini yabasebenzi. Abanye abaqashi bakhokhela ingxenye yezinkokhelo ze-inshuwalense zabasebenzi babo kodwa abaxhasi ama-premium kumalungu omndeni.
Uma umzali wakho enomshwalense wempilo esekelwe emisebenzini futhi umqashi wakhe esekela amaphrimiyamu omndeni, amaphrimiyamu akho yomshuwalense wezempilo uyokhokhelwa ingxenye yingxenye yomqashi wakho womzali. Okunye okulandelayo kwe-premium yenyanga kuzothathwa ekukhokhweni komzali wakho. Uma umqashi wakho womzali engabanikeli ukuxhaswa komndeni, i-premium yakho yonke inyanga izokhishwa ekukhokhweni komzali wakho.
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