Ingabe unenkinga yokufaka umshuwalense wezempilo? Awusodwa.
Umshuwalense wezempilo ungabiza kakhulu kangangokuthi abantu abaningi abaphansi nabangaphakathi abakwazi ukuwukhokhela ngaphandle kosizo. Kodwa, uma ungenayo umshuwalense wezempilo, kufanele ukhokhe inhlawulo . Ngakho-ke, wenzenjani uma kufanele uthenge umshuwalense wezempilo kodwa awukwazi ukuwukhokhela? Ngenhlanhla, kukhona usizo olutholakalayo.
I- Care Affordable Act yenze izinsizakalo zikahulumeni ukusiza abantu abaphansi nabangaphakathi abakhokhela umshuwalense wezempilo. Lezi zinsizakalo zisiza ukukhokhela izinkokhelo zomshuwalense wansuku zonke wezempilo, kanye nezindleko ezinjenge- coinsurance , ama- copays , kanye nama- deductibles uma unakekelwa impilo.
Ngumuphi Usizo Lwezezimali Engingayithola?
Kunezinhlelo ezintathu ezihlukene zabantu abadinga usizo lokukhokhela umshuwalense wezempilo.
- I-Medicaid: Uhlelo lokuqala, uma unomholo ophansi kakhulu, ukubhalisela ku- Medicaid . Ngokuvamile, i-Medicaid inikezwa mahhala kulabo abafanelekayo. Ukufaneleka kuyahlukahluka kusuka kumbuso kuya kuhulumeni, ngakho ngeke wazi ukuthi ufaneleka yini kuze kube yilapho ufaka isicelo. Ezimweni eziningi, imithetho yokufaneleka ye-Medicaid ishintshwe yi-ACA, ngakho-ke noma ngabe ufake isicelo ngaphambi futhi uchithekile, kufanele usebenzise futhi ngokushintshaniswa komshuwalense wezempilo . (Uzofunda kabanzi ngalokhu kamuva.) Nansi imingcele yamuva kakhulu yokuthola imali yokufaneleka ye-Medicaid ne-CHIP, ngo-state.
- I-Premium Tax Credits: Uhlelo lwesibili, uma unayo imali engenayo noma imali engenayo ephansi (kuze kufike izikhathi ezine zobumpofu), ukhokha ingxenye yama-premium wakho wenyanga yomshuwalense wezempilo . Kufana nokuthola isaphulelo ngentengo yomshuwalense wezempilo ngoba isibonelelo sihlawula ingxenye yezindleko zakho. Le mali yesibonelelo ithunyelwa kuhulumeni ngokuqondile ngqo enkampanini yomshuwalense wezempilo ngenxa yakho-awukwazi ukuthola imali ngokwakho. Nakuba lokhu kwenza umshuwalense wezempilo ube namandla kakhulu, ngokungafani nenketho ye-Medicaid ngenhla, cishe uzodingeka ukhokhe okuthile mayelana nezindleko zemshuwalense wakho wezempilo inyanga ngayinye (inothi abanye bathi bayakhokhisa ama-premiums aphansi kakhulu ama-Medicaid ababhalisa ngenzuzo engaphezu kwendlala izinga). Izikweletu zentela ze-Premium zisekelwe ekugcineni izindleko zokulandela izinsizakalo zecebo lesibili-eliphansi kunazo zonke zesiliva ezitholakalayo, kodwa zingasetshenziswa kunoma yiluphi uhlelo lwezinga lensimbi.
- Ukunciphisa ukwabiwa kwezindleko: Kulabo abanemali ephansi noma ephansi, uhlelo lwesithathu linciphisa izindleko zakho ezingaphandle kwezindleko ezifana ne-deductibles, i- copays kanye ne-coinsurance uma usebenzisa umshuwalense wakho wezempilo (lokhu kutholakala kubantu abahola izikhathi ezingaphezu kuka-2.5 ububha izinga). Isibonelo, uma uthenge inqubomgomo yomshuwalense wezempilo okungadingeka ukuthi ukhokhe ikhophi ye-$ 50 njalo uma ubona udokotela, imali yakho yokwabelana ngezindleko inganciphisa i-copay ibe ngu-$ 30 njalo lapho uvakashela udokotela. Uhlelo lokunciphisa ukwabiwa kwemali lukhawulela nokukhishwa kwe-pocket okungaphezulu kwakho oyokhokha uma ugcina usebenzisa umshwalense wakho wezempilo okuningi. Njengoba inkampani yomshuwalense ikhokhela amaphesenti amakhulu ezinkambiso zakho zokunakekelwa kwezempilo, imali eyabelwa imali yokwenza imali ifana nokuthola ukuthuthukiswa mahhala kumshuwalense wezempilo. Izinsizakalo zokwabelana ngezindleko zitholakala kuphela kumacebo esiliva, futhi zifakwe ngokuzenzekelayo kuzo zonke izinhlelo zesiliva ezitholakalayo uma imali yakho engenayo yenza ukuba ufaneleke kubo. Kulabo abangafaneleki, izinhlelo ezifaka izinsizakalo zokwabelana ngezindleko azibonisi ezinketho ezitholakalayo .
Abanye abantu abathola imali engenayo bathola usizo kusukela kokubili ukusizwa kwentela yemali yentela yesikweletu kanye nokunciphisa ukukhokhelwa kwemali yesikweletu ngesikhathi esifanayo. Abantu abakufanelekelayo ukusizwa ngezimali zokwabelana izindleko cishe kuzoba njalo banelungelo lokuxhaswa nge-premium. Kodwa akuwona wonke umuntu ofanelwe ukusizwa kwezimali ze-premium ofanelekile kusibonelelo sokwabelana ngezindleko.
Ngithola kanjani usizo lokukhokhela umshwalense wezempilo?
Ungafaka isicelo somxhaso womshuwalense wezempilo, kanye ne-Medicaid, ngokusebenzisa ukushintshwa komshuwalense wezempilo. Uma ufaka isicelo somshuwalense wezempilo ngokusebenzisa ukushintshaniswa komshuwalense wezempilo, ukushintshaniswa kuzonquma ukuthi ufanelekile yini intela yentela ye-premium, ukwabelana kwezindleko ezinciphile, noma iMedicaid.
Ngingayifanelekela Ukusizwa Inkokhelo Yempilo?
Ukufaneleka kwesibonelelo somshuwalense wezempilo kusekelwe ekuqhathaniseni imali yakho engenayo nezinga lobuphofu elisemthethweni . Izinga lobuphofu laseSweden lishintsha njalo ngonyaka, futhi lusekelwe kokubili kokuhola kwakho kanye nosayizi womndeni wakho.
Ungabheka i-FPL yonyaka lapha.
Uzokwazi ukuthola intela ye-premium yentela uma imali yakho engenayo iphakathi kwamaphesenti angu-100 namaphesenti angama-400 e-FPL yonyaka odlule (unyaka odlule uhambisana nonyaka lapho ukufakwa kwakho kuzosebenza khona; abantu abafaka isicelo sokufakwa kwe-2018 bazosebenzisa i-FF 2017 anqume ukufaneleka kwemali). Qaphela ukuthi emazweni asandise i-Medicaid, umgudu ophansi wokufaneleka kwemali yenkxaso yamasenti angu-139 ubukhulu bobuphofu, njengoba abantu abangaphansi kwalowo mbundu bafanelekela i-Medicaid esikhundleni.
Ukuze ufanelekele umxhaso ngo-2018, sebenzisa amazinga angu-2017: umuntu onolwazi olungenayo imali engu-$ 12,060- $ 48,240, imibhangqwana enemali engenayo esuka ku-$ 16,240- $ 64,960, futhi umndeni wabathathu abahola kusuka ku $ 20,420- $ 81,680 (kodwa futhi, izikhwama zokufaneleka eziphansi ziphakeme kuzo zonke izimo ezisezweni ezandise iMedicaid).
Lapho usondelene nezinga lobuphofu, ukuxhaswa okwengeziwe kuzokuthola. Uzofanelekela ukunciphisa imali eyabelana ngemali uma ukhetha uhlelo lwe-silver-tier kusuka ekushintsheni futhi imali yakho engenayo iphakathi kuka-100 no-250% we-FPL yonyaka odlule. Ukuze ulungele ukunciphisa izindleko zokwabelana ngo-2018, uzosebenzisa imihlahlandlela ka-2017 FPL: umuntu othola imali engu-$ 12,060- $ 30,150, imibhangqwana enemali engenayo esuka ku-$ 16,240- $ 40,600, futhi umndeni wabathathu abahola kusuka ku $ 20,420- $ 51,050 uzokwazi ukuthola usizo lokukhokha labo izindleko zokukhokhiswa, ukukhokhelwa kwemali, kanye nezindleko zemali yezimali (futhi, i-Medicaid iyatholakala kumakhaya anemali engenayo kuze kube yizingxenye ezingu-138 zezinga lobuphofu e-DC kanye nama-31 athi awandise i-Medicaid; kulawo mazwe, ukufaneleka kwemali kuqala lapho ukufaneleka kuka-Medicaid kuphela khona, Imingcele ephansi yokufaneleka kwezimali ezikhokhelwayo iphakeme kulawo mazwe).
Yini Engiyoyifanelekela Ukuthola Imali Yomshuwalense Wezempilo?
Ngeke ufanelekele ukuthola usizo lwemali yomshuwalense wezempilo uma ungathola umshuwalense wezempilo ongabizi ngezinye izindlela. Isibonelo, uma ungathola umshuwalense wezempilo ongabizi ngemisebenzi yakho, kodwa ungathanda ube nehlelo lempilo elithengiwe nge-exchange yakho yomshuwalense wezempilo, ngeke ufanelekele umxhaso.
Umthetho wenza okungafani nalokhu uma umshuwalense wezempilo umqashi wakho anikezela wona, noma uma ukukhokhelwa kungabizi. Kulesi simo, uMthetho Wokunakekelwa Ongenakusiza uthetha ukuthi "uyabiza" njengomshuwalense wezempilo okubiza imali engaphansi kwezingu- 9.56% yengeniso yakho ngo-2018 (inothi ukuthi lokhu kubalwa ngokusekelwe ezindlekweni zomsebenzi wokuzihlanganisa kuphela, izindleko zokwengeza umndeni amalungu angacatshangwa, okuholela ekugqibeleni komndeni ). Futhi uma ukutholakala kwempilo etholakalayo ngomsebenzi wakho akuhlinzeki ngezinga elincane, ngamanye amazwi akukhokhi imali engama-60% wezindleko eziboshwe, ngakho ngeke kukuvumelekile ukuba uthole imali eyisibonelelo ngoba itholakala.
Kodwa-ke, uma ukhetha ukubhalisa kumshwalense wezempilo ohlinzekwa ngumqashi nakuba ungabizi noma unganikeli inani eliphansi, ngeke ukwazi ukuthola usizo uma nje ubhalisile kuloluhlelo lwempilo. Uhulumeni ngeke akunike usizo lokukhokhela umshuwalense wezempilo uma usuvele unomshuwalense wezempilo osekelwe emisebenzini.
Ngeke ufanelekele umxhaso uma ufanelekile kumshwalense wempilo oxhaswe nguhulumeni njengohlelo lwe-Health Health Insurance , i-Veterans Administration, Medicare noma i-Medicaid. Qaphela ukuthi akudingeki ukuba ubhalise kulezi zinhlelo ukuze uvumelekile ukuthola izinsizakalo; ukufaneleka nje kweyodwa yalezi zinhlelo kukwanele ukukufanelekile.
Ngeke ufanelekele umxhaso uma usejele noma uma ungahlali e-United States ngokusemthethweni.
Uma ushada, isimo sakho sokufaka intela kufanele sibe "ukushada ngokubambisana ngokuhlanganyela" ukuze ufanelekele ukuthola usizo. Ngeke ufanelekele umxhaso uma isimo sakho sokufaka "sishadile ngokufakela eceleni," ngaphandle kwezimo ezilinganiselwe ezihilela ukuhlukumeza ekhaya noma ukulahlwa komshado.
Ukuhleka usulu njengokuzwakalayo, ngeke ukwazi ukuthola usizo uma imali yakho engenayo ingaphansi kwe-100% ye-FPL, noma ngabe usesesimweni esingakhulanga i-Medicaid (ngaphandle uma ungumfiki owakamuva i-US iminyaka engaphansi kwemihlanu ). Kulungile; abampofu kakhulu kunazo zonke abampofu abatholi isikweletu semali yentela ye-premium noma izinsizakalo zokwabelana ngezindleko.
Kungenxa yokuthi abenzi bezomthetho ababhala uMthetho Wokunakekelwa Onganakekelwayo bahlose ukuthi wonke umuntu ohola ngaphansi kuka-138% we-FPL athole i-Medicaid. Kodwa-ke, iNkantolo Ephakeme yanquma ukuthi uhulumeni wesifundazwe ngeke akwazi ukuphoqa amazwe ukuba anikeze bonke labo bantu abantu abanezinkinga. Lokhu kusho ukuthi uhulumeni ngamunye anganquma ukuthi ngabe uzokwandisa yini ukuhlinzekwa kweMedicaid kuwo wonke umuntu ohola ngaphansi kuka-138% we-FPL, noma uwunqume kubantu abakufanelekela i-Medicaid ngaphansi kwemigomo edala, eqinile.
Uma ngabe izwe lakho likhethe ukungenweluli uhlelo lwalo lokuxilonga futhi uhlala ngaphasi komncintiswano wobumpofu, ungumuntu obizwa ngokuthi i- Agca Medacidal gap (okungeyona ingxenye ye-ACA, futhi kwakungalindelekile ukuba kube yinkinga) futhi ngeke ukwazi ukuthola usizo lokukhokhela umshuwalense wezempilo. Kunalokho, cabanga ukusebenzisa insizakalo yezempilo yomphakathi enikeza izinsizakalo zokunakekela okuyinhloko kungakhathaliseki ukuthi unakho ukukhokha. Thola Isikhungo Sezempilo Somphakathi esiseduze nawe.
Ngingafundaphi Kakhulu?
- Insizakalo yomshuwalense wempilo yesikweletu semali yentela ye-Premium
- Ukunciphisa izindleko zokwabelana ukunciphisa ama-deductible akho, ama-copays, kanye ne-coinsurance
- Insizakalo ye-out-of-pocket yakho esiphezulu
- Indlela iMedicaid isebenza ngayo
- Ukuthola i-Medicaid
- Funda kabanzi mayelana Nezikhungo Zempilo Yomphakathi kubantu abangaqinisekisiwe
> Imithombo:
> Impilo Nezinsizakalo Zabantu, 2017 Isitatimende Sokubhalisa Esenziwe Ngempumelelo . Ngo-Juni 12, 2017.
> Ezempilo Nezinsizakalo Zabantu, iHhovisi loMsizi Wobhala Wezokuhlela Nokuhlola. Izinkombandlela Zokuhlupheka ngo-2017.
> Isevisi yangaphakathi yeNgeniso. Inqubo Yokuthola Imali 2017-36 .
> Medicaid.gov. Izinga lokufaneleka le-Medicaid ne-CHIP. Juni 2016.