I-COBRA yenza Ukwenza Ukuphepha Kwakho Kungakapheli, Kodwa Akuyona Imali Edingekile
Uma ulahlekelwa noma ushiye umsebenzi wakho, uthole isehlukaniso, noma iminyaka yobudala bomshwalense wempilo yomzali wakho , ungase uvumelekile ku- COBRA . I-COBRA ikuvumela ukuba ugcine uhlelo olufanayo lwezempilo oluxhaswe ngumqashi owawunalo ngaphambi kokulahlekelwa umsebenzi noma isehlukaniso. Kodwa ukufaneleka ku-COBRA akusho ukuthi ungakwazi ukuyikhokhela.
Ingakanani umshuwalense wakho wezempilo oyokhokhela ngaphansi kwe-COBRA kuncike ekutheni uhlelo olufanayo lwezempilo lubiza kanjani ngaphambi kokushintshela ku-COBRA.
Izinkokhelo zakho zenyanga ze-COBRA zizoba izindleko eziphelele ze-premium plan yezempilo yakho kanye nokukhokhiswa kwezinsizakalo ze-2%.
Kodwa, beka isitifiketi sokushaqeka uma usujwayele ukuba nezinkokhelo zakho zomshuwalense wezempilo ezixhaswe umqashi wakho, umqashi wakho wangaphambili, noma umqashi womzali wakho. Njengoba izinkokhelo zomshuwalense wezempilo ezisekelwe emisebenzini zivame ukukhokhelwa ingxenye yomqashi futhi ngengxenye yezimali ezikhishwe kwizinkokhelo zakho, kuvamile ukuba ungazi ukuthi izindleko zakho zangempela zezindleko zempilo zikhona ngisho noma wazi ukuthi kuningi kangakanani okuphumayo kokukhokha kwakho.
Abaqashi bavame ukukhokha iningi lama-premiums (kodwa lokhu kuyeka uma usushintshela ku-COBRA). Ukuhlaziywa kwe-Kaiser Family Foundation ka-2016 kubonise ukuthi abaqashi bakhokhela cishe amaphesenti angu-82 emali yomshuwalense wezempilo wabasebenzi babo, futhi cishe amaphesenti angu-70 e-premium yomndeni yabasebenzi abangezela amalungu omndeni ekufundeni kwabo.
Ukuze unqume ama-premium akho e-COBRA, kuzodingeka wengeze ukuthi umqashi wakho ubanikezele ekukhokheni ama-premium wakho kulokho okukhokha kukho ama-premium, bese ufaka inkokhelo yesevisi yamaphesenti angu-2.
Isibonelo
Ake sithi une-$ 125 ethathwe ekukhokhweni kwemali yomshuwalense wezempilo. Ukhokhwa kabili ngenyanga, ngakho-ke ingxenye yakho yama-premium yenyanga i-$ 250.
Umqashi wakho unikeza u-$ 400 ngenyanga ngezinyanga zakho zemishwalense yempilo yomshuwalense, ngakho-ke izindleko eziphelele zesimiso sakho sempilo esekelwe emsebenzini ziyi $ 650 ngenyanga.
Ukuthola inkokhelo yesevisi yamaphesenti angu-2, ukwandisa imali engu-$ 650 yenyanga premium ngo-0.02. Uzothola u-$ 13. Engeza le ntengo ye-$ 13 yenkokhelo ye-$ 650 ye-premium futhi imali yakho yomshuwalense wezempilo ye-COBRA izoba ngu- $ 663 ngenyanga.
Lapho Uthola Ulwazi Oludingayo
Izinzuzo zakho zesevisi noma ihhovisi lezinsiza zomuntu lingakutshela ukuthi izinkokhelo zakho ze-COBRA zingakanani, kepha kungase kube nezimo ofuna ukuzenza ngaphandle kokuxwayisa umqashi wakho ukuthi ucabangela ukushiya umsebenzi wakho.
Umnyango wakho we-HR ungakutshela ukuthi umqashi wakho ubanikeze imali enyangeni ngayinye ekubhekaneni nezinzuzo zakho zomshuwalense wezempilo. Ukusuka lapho, udinga nje ukubheka ama-paystubs wakho ukuze ubone ukuthi uningi kangakanani ukufaka inyanga ngayinye kuma-premium aphelele. Engeza iminikelo yakho eminikelweni yomqashi wakho, bese ufaka amaphesenti angu-2 kwisamba.
Kodwa-ke, uma usuka ohlelweni lomndeni olusekelwe emisebenzini ku-COBRA ukufaka okukodwa, isibonelo, ngoba uhlukanisa noma uguga ohlelweni lomzali wakho, kuyoba nzima kakhulu ukubala amaphrimiyamu ngale ndlela ngokwakho ngenxa yakho 'asiqhathanisi ama-apula kuma-apula.
Kulolu cala, uzofuna ukubuza ihhovisi lakho lezinzuzo zabasebenzi noma ihhovisi lesisetshenziswa sabasebenzi ukuthi izikweletu zakho ze-COBRA zizoba ziphi emva kokubalwa kwezimali ngenxa yesimo sakho somndeni esishintshayo.
Isibonelo, asho ukuthi okwamanje ubhaliswe ohlelweni lomndeni ngomqashi womlingani wakho. Uthola isehlukaniso, ngakho-ke udinga ukushintshela ku-COBRA kumuntu oyedwa kusukela oshade naye uzoqhubeka nokumboza izingane. Isikhulu sezinzuzo zomsebenzi sizobheka up premium yomshuwalense wezempilo ohlelweni olufanayo lwezempilo onalo manje, kodwa usebenzisa amazinga omuntu oyedwa kunokuba umndeni. Uzobe engeza lokho inkampani ezobe ibambe iqhaza kulowo mphoyinamu, lokho umuntu oyedwa abeyobe ebambe iqhaza kulowo mbuso (lokhu bekuyobe kuyisabelo sakho sokukhishwa komholo oshade naye akhokhela uhlelo lomndeni), kanye nenkokhelo yezinsizakalo ezingamaphesenti angu-2, ukuze uthole ukukhokhelwa kwakho kwe-COBRA ngeyohlelo lwezempilo njengomuntu oyedwa.
Esinye Isizathu Sokwakheka KweSitika
Njengokuthi ukushaqeka kwesitifiketi okuhlobene nokukhokha kokubili isabelo somsebenzi kanye nesabelo somqashi we-premium plan yezempilo akwanele, kunesinye isimo sezimali esikude ngemuva kwe-COBRA: intela yentela.
Uma umqashi wakho ethatha imali kusuka kunkokhelo yakho ngayinye ukukhokha ingxenye yakho ye-premium yomshuwalense wezempilo, leyo mali isuswa esikhokhelweni sakho ngaphambi kokuba ukhokhe intela yakho engenayo. Ngokufanayo neminikelo yakho 401 (k) uhlelo lokuthatha umhlalaphansi, amaphrimiyamu okuhlelwa kwempilo athathwa ngaphambi kokukhokhwa kwentela akhokhele imali engenayo. Okuncane okubheka imali engenayo, izinkokhelo zakho eziphansi ezingenayo ziyoba.
Kodwa-ke, uma ulahlekelwa ukufinyelela kokusebenza kwakho okusekelwe emisebenzini futhi ushintshela ukukhishwa kwe-COBRA, ukhokha ama-premium akho e-COBRA ngemali yentela. Ulahlekelwa yinzuzo engenayo intela yamaphrimiyamu enqunywe ngaphambi kwentela yakho yentela.
Kwezinye izimo, ungase ukwazi ukukhokhela le ntela yentengo ngokubamba ingxenye noma zonke izinkokhelo zakho ze-COBRA, kodwa akuwona wonke umuntu ofanelekile kulokhu okudonsa. Ukuze ufunde kabanzi mayelana nokuthi ubani ongathatha intela yentela yomshuwalense wezempilo, bheka " Ingabe Intela Yomshuwalense Wezempilo Inokwethenjelwa? "
Zikhona Ezinye Izindlela?
Imakethe yomshuwalense wezempilo ngabanye iye yaba yinto ehlukile ku-COBRA. Ngokomlando, izinhlelo zomakethe zodwa zazingabizi kakhulu kune-COBRA, kodwa ukubanjwa kwakuwukuthi ukutholakala kwakutholakala kuphela kubantu abangadlula ukubhala phansi kwezokwelapha, okwakusho ukuthi kufanele baphile kahle. Abantu abanezimo ezandulele ngokuvamile babengenalo i-alternative ye-COBRA engokoqobo.
I-ACA (i-Obamacare) idale ezinye izindlela ezintsha ku-COBRA ngokwenza ukufakwa emkhakheni owodwa oqinisekisiwe wemakethe kungakhathaliseki umlando wezokwelapha, nangokuhlinzeka ngezinsizakalo ze- premium kubafakizicelo abanezinyathelo eziphansi kuya kwezinga eliphakathi (ngokombono, izinsizakalo zitholakala kumuntu oyedwa ngenzuzo engenayo kuze kube ngu-$ 48,240 ngo-2018, futhi emndenini wezingane ezine engenayo kuze kube ngu-$ 98,400).
Ngakho-ke uma ushiya umsebenzi noma uhlukanisa futhi ulahlekelwa ukufinyelela ohlelweni lwezempilo oluxhaswe ngumqashi wakho, unehlukile ku-COBRA uma ukhetha ukuthola ukuthengiswa emakethe ngayinye. Ukulahlekelwa okungahleliwe kokufakwa (okubandakanya ukulahlekelwa ukukhishwa ngenxa yokuzidela ngokuzithandela umsebenzi) kuyisenzakalo esifanelekayo , futhi kukunika ithuba lokubhalisa okhethekile emakethe ngayinye, kungaba ukushintshaniswa noma ukushintshaniswa . Lokhu kuyiqiniso noma ngabe ufanelekile ukuqhubeka nohlelo oluxhaswe ngumqashi nge-COBRA (inothi ukuthi izinsizakalo ze-premium ngaphansi kwe-ACA ziyatholakala kuphela ekushintsheni)
Umqashi wakho uzokuthumela isaziso sokukwazisa ukuthi ufanelekile ku-COBRA, ukuthi kuzodala kangakanani, futhi ukukwazisa ukuthi unezinsuku ezingu-60 ukunquma ukuthi uzoqhubeka yini uhlelo lwakho lwezempilo ne-COBRA. Phakathi naleso sikhathi, ungakwazi ukuqhathanisa intengo kanye nokwaziswa okutholakala kuwe emakethe ngayinye, futhi unqume ukuthi ubani oletha inani elingcono. Isikhathi sakho sokubhalisa esikhethekile emakethe ngamunye siyaqhubeka izinsuku ezingu-60 emva kokuthi ungalahlekelwa ukufinyelela kuhlelo lomqashi wakho, noma ngabe ukhetha i-COBRA ekuqaleni kwaleli festile (ukuze ushintshe ingqondo yakho futhi ushintshe ohlelweni lomakethe, ngisho noma ubhalisele i-COBRA ngaphandle kokuqonda ngokugcwele izinketho ezitholakalayo).
Ngingayitholaphi Ulwazi Olwengeziwe Nge-COBRA?
UMnyango Wezabasebenzi wase-US uqondisa ukulandelwa kwe-COBRA. Unolwazi lwemibuzo evame ukubuzwa mayelana ne-COBRA, futhi ungaxhumana nabo ku-1-866-4-USA-DOL (1-866-487-2365).
Izwi elivela
Uma ulahlekelwa ukufinyelela kuhlelo oluxhaswe ngumqashi olwenzele kahle, kuyaduduza ukwazi ukuthi ezimweni eziningi, i-COBRA ikunika ithuba lokuthenga le plan okungenani izinyanga ezingu-18. Kodwa njengoba lokho kungaba yisiphakamiso esabizayo, kuhle futhi ukuqonda okukhethwa kukho emakethe ngayinye, ukuze ukwazi ukuzikhethela wena nomndeni wakho.
> Imithombo:
> Kaiser Family Foundation. Izinzuzo zezeMisebenzi zabasebenzi, 2017 Ukufingqiwe kokuthola.
> UMnyango Wezabasebenzi wase-United States. Izinhlelo Zempilo Nezinzuzo: Ukuqhubeka kweMpilo-COBRA.