Gwema inhlawulo yentela yokungaqinisekisiwe
Uma uhlala e-United States futhi ungenayo umshuwalense wezempilo , uzobhekana nesigwebo sentela ngaphandle uma uthola imvume yomshuwalense wezempilo . Umthetho we-Tax Cuts and Jobs, owenziwe ngoDisemba 2017, uzoqeda isigwebo somuntu ngamunye kusukela ngo-2019. Kusasekho isigwebo sokungaqinisekisiwe ngo-2018 ( okuzohlolwa ngonyaka we-2018, okuyi-2019), kepha kuzoba khona akusayikuba yisigwebo sokungaqinisekiswa ngo-2019 nangaphezulu.
Iningi lezinqubo ezikufanelekele ukuthola ukukhishwa kwe-inshuwalense yezempilo zinqunywe futhi zome. Noma ngabe ungumMelika waseMelika, noma awukho. Kungakhathaliseki ukuthi ungowomsebenzi wokunakekelwa kwezempilo, noma awukho. Kungenzeka ukuthi uhlelo oluphansi kakhulu lwezindleko olutholakala endaweni yakho lubhekwa njengengozi, noma akunjalo (ukukhokhela kuncike emaphesenti asethiwe engenayo, ngo-2018, kungu-8.05 amaphesenti wemali engenayo ). Ukuze ubuyekeze lezi zindlela zokunquma nezomile, hlola ukuthi " Ungayithola Yini Ukukhokha Umshuwalense Wezempilo? "
Isigaba esisodwa sokukhululwa esinekamelo elithile eliyinkimbinkimbi ukukhululwa kanzima. Nakhu okudingayo ukwazi ukuthi ungathola kanjani ukukhishwa kanzima ekugunyazweni komuntu ngamunye we-ACA.
Ukuhlupheka Ukukhululwa-Okuyisisekelo
Kunezindlela ezintathu eziyisisekelo zokufanelekela ukukhululwa kanzima kumsebenzi ngamunye:
- Kwenzeke okuthile okungazelelwe ukuthi kwandise izindleko zakho zokuphila ezibalulekile. Lokho kwanda izindleko zakho ezibalulekile kwenza ukuthi ungakwazi ukuthola umshuwalense wezempilo.
- Izindleko zokuthenga umshuwalense wezempilo zingenza ubekelwe ukudla, indawo yokuhlala, izingubo noma ezinye izidingo.
- Ezinye izimo zikuvimbela ngokusemthethweni ukuba uthole umshuwalense wezempilo, noma wenze ukuthengwa komshuwalense wezempilo umthwalo wokuthi uhulumeni ubheka njengokusemthethweni.
Ukukhishwa Kobunzima-Imininingwane
Njengoba imithetho eyisisekelo ivulekile kakhulu, uhulumeni wesifundazwe unikeza imihlahlandlela yokusiza umshwalense wempilo yomshuwalense ukuveza indlela yokusebenzisa imithetho kubantu ngabanye kanye nemindeni ecela ukukhululwa kwezimo ezinzima.
Nansi ulimi olucacile, isifinyezo esingavumelekile salezo ziqondiso.
Ukushintshwa komshuwalense wezempilo wakho wombuso kuvunyelwe ukukunikeza ukukhishwa kanzima uma enye yezinto ezilandelayo ikuvimbela ukuba uthole umshuwalense wezempilo:
- Awunakhaya.
- Usukhutshwe ezinyangeni eziyisithupha zokugcina.
- Ubhekene nokukhishwa noma ukuchithwa.
- Uthole isaziso sokuvala kusuka kwenkampani yakho yosizo.
- Ufake isicelo sokuthi ulahlekelwe ezinyangeni eziyisithupha zokugcina.
- Unezikweletu eziningi ngenxa yezindleko zezokwelapha ezinyangeni ezingu-24 ezedlule.
- Ukunakekela ilungu lomndeni eligulayo, elikhubazekile noma eliguga ngokungalindelekile kwandise izindleko zakho zokuphila ezibalulekile.
- Usanda kubona ubudlova basekhaya.
- Ilungu lomndeni oseduze usanda kufakwa.
- Usanda kufakwa umlilo, izikhukhula, noma enye inhlekelele eyabangela umonakalo omkhulu empilweni yakho.
- Awunelungelo lokuthola i- Medicaid kuphela ngoba isimo sakho asizange sikhulise ukuhlinzekwa kwe-Medicaid njengoba kulandiswe uMthetho Wokunakekelwa Ongenakusiza . INkantolo Ephakeme inqume ukuthi amazwe akudingeki anwebe ukufaneleka kwabo kweMedicaid uma bengathandi . Uma ngabe izwe lakho likhethe ukungenwetshulwa kwezidingo ze-Medicaid kodwa ngabe ngabe uvumelekile uma ngabe kwandiswe i-Medicaid, ungase uvumeleke ukukhululwa kanzima (inothi lokuthi nakuba lokhu kuluhlu lwezinto ezingakufanelekela umuntu ukukhululwa kanzima, i-IRS nayo inesigaba esahlukileyo sokukhululwa kwezigwegwe kubantu abakulesi simo).
- Ingane yakho ingase ifanelekele ukukhululwa kanzima uma umuntu enkantolo enikezwa ukunikeza usizo lwezokwelapha. Umuntu onqunyelwe ukuhlinzeka ngesekelo lwezokwelapha angeke abe ngumuntu ofanayo obiza ingane njengokwemali yentela. Ingane kumele iqiniseke ukuthi ayifanelekile ku-Medicaid ne- Children's Health Insurance Plan . Okokugcina, ukukhululwa kuhle kuphela ezinyangeni ezenziwa ukusebenza kwe-medical support.
- Ungase ulungele ukukhululwa kanzima ukumboza izinyanga ongenawo umshuwalense wezempilo uma ukufaneleka kukhansela isinqumo kunqume ukuthi kufanele ufanelekile kulezo zinyanga.
- Zonke izinhlelo ezitholakalayo ekushintshaneni endaweni yakho zibandakanya ukukhishwa kwesisu, futhi ufilosofi ngokumelene nalokhu (lokhu kukhululwa kwanezelwa ngo-Ephreli 2018 ).
- Azikho izinhlelo ezitholakala ekushintsheni endaweni yakho (lokhu kukhululwa kwanezelwa ngo-Ephreli 2018; akukaze kube khona izindawo zezwe lapho kungekho khona izinhlelo zokushintshana, nakuba izindawo eziningana zisengozini yalokhu kungenzeka ngo-2018. ayikho into ekhombisa ukuthi kuzoba nezindawo ezingekho izinhlelo zokushintshanisa ngo-2019, kodwa ngeke kube yisigwebo sokungaqinisekisiwe ngo-2019. Noma kunjalo, ukukhululwa kulokhu kunwetshwa inyanga eyodwa ngaphambi konyaka wokufaka umbuzo, ngakho-ke kumele isetshenziswe njengenkululeko ngoDisemba 2018, endaweni lapho kungekho banshuwalense enikeza izinhlelo ngo-2019).
- Kukhona umshuwalense oyedwa ohlinzeka izinhlelo ekushintsheni endaweni yakho futhi "ungabonisa ukuthi ukungabikho kokuzikhethela okwenzekile kukuvimbele [ukuthola] ukutholakala ngaphansi kwehlelo [lempilo elifanele]. (Lokhu kukhululwa kwanezelwa ngo-Ephreli 2018).
- Uhlangabezana nobunzima ngokusekelwe ezinketho ezitholakalayo kuwe nezidingo zakho ezithile zokwelapha. Isibonelo, uma udinga ukufinyelela ochwepheshe othile esimweni sezokwelapha futhi akukho neyodwa yezinhlelo zezempilo ezitholakalayo ekushintshaneni endaweni yakho kufaka ukuthi lochwepheshe kumanethiwekhi abo. (lokhu kukhishwa kwanezelwa ngo-Ephreli 2018).
Nasi isibonelo sokuthi lokhu kungase kusebenze kanjani. Ukhululekile ngoba i- premium yakho yezindleko zemali ephansi kunawo wonke ekushintsheni kwakungaphezu kwamaphesenti angu-8.05 wemali engenayo (le nombolo ishintshwe njalo ngonyaka ngemali engenayo ). Uqale uhlehliselwe isibonelelo ukukusiza ukhokhele umshuwalense wezempilo, kodwa wancenga isinqumo mayelana nomxhaso. Phakathi naleso sikhathi, awunayo umshuwalense wezempilo.
Ekugcineni, uyinqoba isikhalazo sakho futhi uthole imali eyisibonelelo se-premium , ukuze ukwazi ukukhokhela umshuwalense wezempilo. Noma kunjalo, lokhu kusho ukukhululwa okwakunakho ngoba umshuwalense wezempilo uyabiza kakhulu manje. Ngakho-ke, ungafaka isicelo sokukhishwa kanzima ukuze uhlanganise nezinyanga ongenawo umshuwalense wezempilo ngoba ulindele isikhalazo.
Lesi sinqumo sokufaka isicelo singaba ukuthi ngabe ufanelekile yini ukubhaliswa ohlelweni lwempilo yomshwalense wempilo yomshuwalense wezempilo, olufanelekele izinkokhelo ezithuthukisiwe zenkxaso yesikweletu sesikweletu se- premium , noma ufanelekile ukusizwa ngemali yokwabelana ngezindleko .
Ukuze ufunde ukuthi kungani uzobe ukhululekile ngoba i-premium yezindleko eziphansi kunazo zonke zezempilo ku-exchange yakho ingaphezu kwama-8.05 wamaphesenti omholo wakho ngo-2018, noma ububanzi bezinye izinkokhelo ezitholakalayo, funda lesi sihloko . Uzofunda ngezindlela zokufanelekela ukukhululwa kumsebenzi ngamunye ongahlanganisi ukubiza ubunzima.
UDeveli useMininingwane
Kunamaphuzu ambalwa abalulekile mayelana nemikhombandlela engenhla engathinta isinqumo sakho sokufaka isicelo sokukhishwa kanzima.
Okokuqala, ubunzima obuchazwe kumhlahlandlela kufanele kukuvimbele ukuba uthole umshuwalense wezempilo. Isibonelo, nakuba ukufa kwamuva kwesihlobo esiseduze kungahle kube phezu kwezinhlahlandlela, awunakwenzeka ukuba uthole ukukhululwa kanzima uma leso sihlobo singumfowabo omncane ongakaze uhlangane futhi ukufa kwakhe akubanga nomthelela esimweni sakho sezezimali noma ikhono lakho lokufeza imisebenzi yokuphila kwansuku zonke. Uma uqedela iphepha lokukhululwa, kuzodingeka uchaze ukuthi izimo ezithile zikuvimbela kanjani ukuthola umshuwalense wezempilo.
Okwesibili, ukushintshaniswa komshuwalense wezempilo osebenza nguhulumeni wesifundazwe usebenzise lezi ziqondiso, kodwa ukushintshaniswa kombuso wakho kungase kungabi (39 ithi isebenzise i-HealthCare.gov; ezinye izifunda ezingu-11 kanye nesifunda sase-Columbia sinamapulatifomu abo okushintshanisa). Ukushintshaniswa kombuso ngamunye kuvunyelwe ukuguquguquka kokunquma izimo zalo eziqondene nesimo uma nje behlinzeka ngokukhululeka kubantu abahlangabezana nenye yezinqubo ezintathu eziyisisekelo. Akudingeki ukuthi basebenzise lezi ziqondiso eziqondile ukuze banqume ukuthi yiziphi izimo ezenza abantu bahlangabezane nenye yezinqubo ezintathu eziyisisekelo.
Okwesithathu, eziningi zemihlahlandlela zinokulinganiselwa kwesikhathi njengesiqondiso esihlinzekela ukukhishwa kanzima uma ukhishwe ezinyangeni eziyisithupha ezedlule. Umkhawulo wesikhathi uzothinta isikhathi sokukhishwa kwakho kobunzima. Isibonelo, uma uxoshwa ngoJanuwari, uzoba nokukhululwa kanzima kusukela ngoJanuwari kuya kuJuni, kodwa uzodinga ukuthola umshuwalense wezempilo ngoJulayi noma uzobhekana nesigwebo sentela.
Uma ukukhululwa kuphelelwa yisikhathi ngesikhathi ukushintshaniswa komshuwalense wakho wezempilo kungamukeli izicelo zomshuwalense wezempilo ngoba akuyona ukubhaliswa okuvulekile , ungakhathazeki. Isikhwama sakho sokuphelelwa yisikhathi sikwenza ube nokufaneleka kwesikhathi sokubhalisa esikhethekile .
Ngokufanayo, uma isimo esikufanelekele ukukhululwa kobunzima siphelile, isibonelo, awusenakhaya, uzokwazi ukuthola isikhathi sokubhalisa esikhethekile ukuze ubhalisele umshuwalense wezempilo.
Indlela Yokuthola Ukuxoshwa Kobunzima
Uma ucabanga ukuthi ungafaneleka, faka isicelo sokukhishwa kanzima ngokusebenzisa ukushintshwa komshuwalense wezempilo. Buka kuqala isicelo sokukhishwa kanzima komshwalense we-federal health insurance isebenzisa ukuze ukwazi ukuthi yiluphi ulwazi oludingayo ukuqoqa, kodwa khumbula ukuthi uhlelo lwakho lokusebenza lungase luhluke.
Thola imininingwane yokuxhumana yomshuwalense wezempilo wombuso wakho.
Uma uvunyelwe ukukhishwa kanzima ngokushintshaniswa kombuso wakho, uzobe usho ukuthi ukukhululwa uma ufaka ukubuyiswa kwentela yakho. Kodwa ukukhululwa ngokwakho kufanele kunikezwe yi-exchange-ayikwazi ukunikezwa yi-IRS (ezinye ukukhululwa zitholakala ekushintshaneni, nabanye okuvela ku-IRS).
Imithombo:
UMnyango wezeMpilo kanye nezinsizakalo zabasebenzi. Isikhungo Sokwaziswa Komthengi kanye Nokuqapha Umshuwalense. > Isiqondiso Emibhalweni Yobunzima Emkhakheni Wokuzibophezela Ngamunye Wabantu Ababhekene Nezinketho Zokunciphisa Okwehlukile noma Ezinye Izimo. Ngo-Ephreli 9, 2018.
Cohen, Gary, iSekela likaMqondisi we-CMS kanye noMqondisi Wesikhungo soLwazi lwaBathengi kanye noMqondisi Womshuwalense (uMnyango WezeMpilo kanye Nezinsizakalo Zabantu). Isiqondiso Emibhalweni Yokuxoshwa Kobunzima kanye Nesikhathi Esibalulekile Sokubhalisa . Juni 23, 2013.
HealthCare.gov. Ukuxoshwa Kokuhlupheka, Amafomu, Nokuthi Ungayisebenzisa Kanjani.
Isevisi yangaphakathi yeNgeniso. Ukuhlinzekwa ngabanye ngabanye Ukuhlinzekwa - Izibonelo: Ukumangalela noma Ukubika.
I-Volk, i-JoAnn. I-Georgetown University Health Policy Institute. > Ukuqonda Izinkathi Ezibhalisiwe Ezikhethekile: Ukubuka Abanye Obani Abayoba Ngenhlanhla. Ngo-Ephreli 3, 2014.