Kungase kubonakale kungalungile ukuthi ukhokhe yonke imali enikeziwe uma ungabhalisele umshwalense wezempilo kuze kube phakathi nonyaka. Ngemuva kwalokho, uthola umshuwalense wezempilo kuphela isigamu sonyaka uma ubhalisa phakathi nonyaka; akufanele yini ukukhishwa kwe-deductible kubekwe ingxenye yengqikithi yonyaka?
Njengoba ama-deductibles abiza kakhulu, okudinga ukukhokhwa kwe-deductible egcwele ngonyaka uma ubhalisa ngemuva kokuba ingxenye yonyaka wenqubomgomo iphelile yenza kube lula ukuthi uzofinyelela kulo nyaka owenziwe ngawo.
Kulesi simo, ngeke ube nemiphumela encane yokuthola inzuzo yokuba nomshwalense wakho wezempilo athathe ingxenye yethebhu ezindleko zakho zezokwelapha.
Ngeshwa, umshuwalense wezempilo wonyaka odonswayo awukhiphi iminyaka engabhalisiwe ebhalisiwe kungakhathaliseki ukuthi kusele izinyanga ezimbalwa ohlelweni lweminyaka lapho ubhalisela umshuwalense wezempilo. I- out-of-pocket esiphezulu ayikhishwe, noma.
Izibonelo
Inqubomgomo Yonyaka Wekhalenda
Awuqinisekisiwe izinyanga zikaJanuwari kuya kuJuni. Ushada phakathi nenyanga kaJuni ukwenza uvumeleke isikhathi sokubhalisa esikhethekile . Wena ubhalisela ukutholakala komshuwalense wezempilo ku- Care Affordable Care Act yakho yokushintshwa komshuwalense wezempilo kusukela ngoJulayi 1 nge-deductible yonyaka ka $ 2,000.
Zonke izinhlelo ze- Obamacare (on and off-exchange ) zinomnyaka wokuhlela osebenza kusukela ngoJanuwari 1 kuya kuDisemba 31. Uma usebenzisa umshuwalense wakho wezempilo phakathi kukaJulayi 1 noDisemba 31 nganoma yini enye ngaphandle kokunakekelwa kwezempilo okuvimbela , umshuwalense wakho wezempilo ngeke aqale ukukhokha ingxenye yezinyathelo zakho zokunakekelwa kwempilo ezikhokhiswayo kuze kube yilapho ukhokhela yonke imali engu-$ 2,000 ekhishwe.
Ngisho noma unomshwalense wezempilo kuphela isigamu sonyaka, usadingeka ukhokhe yonke imali ekhishiwe ngaphambi kokuba umshwalense wakho aqale ukuqoqa ithebhu (uma unomsebenzi ohlanganisa ama- copays ngezinto ezifana nokuvakashelwa kwehhovisi kanye nemigomo, lezo zinzuzo ukukhahlela kusukela ekuqaleni, kungakhathaliseki ukuthi ukhokhele noma yikuphi ukukhishwa).
Inqubomgomo Yonyaka-engekho-Ikhalenda
Uqashwe umsebenzi omusha ekuqaleni kuka-February. Umqashi wakho omusha uzohlinzeka ngemali yomshwalense wezempilo njengengxenye yephakheji lakho lezinzuzo zomsebenzi kusukela ngo-Mashi 1. Umqashi unobhaliso oluvulekile njalo ngonyaka ka-Agasti ngonyaka ohlelayo kusukela ngo-Okthoba 1 kuya kuSepthemba 30 wonyaka ngamunye.
Njengoba usuyisisebenzi esisha sokubhalisa kokuqala phakathi nonyaka wepulani, uzobe nezinyanga eziyisikhombisa zokwaziswa ngaphambi kokuba umnyaka omusha wezinhlelo uqale ngo-Okthoba kanye nemali oyikhokhayo kumakethe wakho we-annucable deductible emuva zero. Naphezu konyaka wakho wokunciphisa okufinyelelekile, ubanjelwe esilinganisweni esifanayo sokudonswa kwamanye amazwe njengabanye abasebenzi abakhethile lokho kuhlela ngesikhathi sokubhaliswa okuvulekile ngo-Agasti odlule.
Qaphela ukuthi abaqashi abaningi bakhetha ukusebenzisa izinhlelo zonyaka wekhalenda, futhi babambe ukubhaliswa kwabo okuvulekile ekwindla ukuhambisana nosuku lokuqala lukaJanuwari 1 lomnyaka wecebo. Kodwa abaqashi banezimo eziguquguqukayo kulokhu, futhi bangathenga uhlelo nganoma yisiphi isikhathi phakathi nonyaka ukumboza abasebenzi babo.
Umshwalense wezeMpilo oDeductibles awudlulisiwe kuhlelo lokuhlela
Uma ushintsha kusuka kwelinye uhlelo lwezempilo ukuya kolunye phakathi nonyaka wepholisi, inani owawukhokhelwe kakade kulo nyaka owenziwe ngalo ohlelweni lwezempilo owawusekuqaleni konyaka aluthathwa ngokubhekiselwe kulo nyaka odonswayo ohlelweni lwezempilo olulandelayo ngonyaka.
Uma ubhalisa ohlelweni olusha lwezempilo, inani okhokhelwe ku-deductible yakho elisha liqala ngo-zero ngisho noma ngabe usuvele ukhokhele yonke imali yakho yonyaka edonswe kwelinye uhlelo.
[Nanobe kunjalo cishe njalo ukuthi ama-deductibles awadluliswanga kusuka kwelinye icebo ukuya kwelinye, lokhu ngezinye izikhathi kungashintshwa ngokusekelwe ezimweni ezithuthukisayo ezithinta inani elikhulu labanikazi bomgomo kanye nokungenelela okuvela ku-Commissioner Insurance Commission. Isibonelo yisisombululo esakhiwe amalungu eNkampani Yenhlalakahle yezeMpilo yaseNew York, eyavalwa ngoNovemba 2015. Isivumelwano phakathi kwe-NY state regulators nezinkampani ezintathu zomshuwalense wangasese savumela amalungu e-Health Republic ukuba athole isikweletu (ngokushicilela kwabo ngoDisemba 2015) ngenxa yezindleko zabo ezidonswe futhi ezingaphandle kwezindleko ababezikhokhele kakade ezinyangeni eziyi-11 zokuqala zonyaka.
Abalawuli be-Oregon benza isivumelwano esifanayo namalungu e-Oregon Health CO-OP lapho i-CO-OP ivaliwe ekupheleni kukaJulayi, 2016]
Isibonelo
Ube nomsebenzi womshuwalense wezempilo ngecebo lomakethe ngamunye (ie, uhlelo owazithenga ngalo, kungaba ngokushintshaniswa noma ngqo kusuka kumshuwalense) kusukela ngoJanuwari 1 kuya kuJulayi 31. Ngaleso sikhathi, ukhokhele u-$ 1,300 ukuya kumshuwalense wezempilo wakho we-$ 2,000. Ulahla uhlelo lwakho ngalunye uma uthola umshuwalense wempilo esekelwe emisebenzini kusukela ngo-Agasti 1. Lokhu kukhishwa okusha okusekelwe emsebenzini kunemali engama-$ 1,000.
I-$ 1,300 oyikhokhele kakade ekuthunjweni kwakho kwe-Obamacare ayibalo ngokubhekiselele kumshwalense wakho wempilo esekelwe emsebenzini. Kumele uqale kusukela ekuqaleni, ukhokhe lonke i-deductible yemali yesikhwama somshuwalense wemisebenzi engu-$ 1,000 ngaphambi kokuba lowo mshwalense aqale ukuthatha ithebhu yezikweletu zakho zezokwelapha ezithintekayo.
Uma Ngingakhokhela I-Deductible Twice Yonyaka Ngonyaka Omunye, Ngingayithola Yini Imali?
Ayikho indlela yokubuyisela yonke imali eyengeziwe owayisebenzisela umshwalense wakho wezempilo okhishwayo uma ushintsha amapulani phakathi nonyaka ngemuva kokukhokha isamba sokuqala esinqunyiwe. Kodwa-ke, izindleko zokwabelana ngezindleko ezinjengezidakamizwa, i-copays, kanye ne-coinsurance ngezinye izikhathi zingasetshenziswa njengokwehliswa kwentela okuholela emithethweni engenayo ephansi. Funda kabanzi ngalokhu ku " Indlela Yokubhala Imali Yezokwelapha njengokwenyuka kwentela ."
Kubuyekezwe nguLouise Norris.