Umthetho Wokuguqulwa KwezeMpilo Uhlanganisa Isimiso Sokuhlinzekwa Kwezempilo
Enye yezingxenye eziphikisanayo zoMthetho Wokunakekelwa Ongenakusiza kuyinkinga yombuso womshuwalense wezempilo - isidingo sokuthi kusukela ngo-2014, wonke amaMelika kumele abe nokuhlinzekwa kwezempilo.
Iningi labantu kuleli zwe linomshuwalense wezempilo ngomsebenzi noma uhlelo lomphakathi olufana ne-Medicare ne-Medicaid, futhi lokho kwase kuyisikhathi ngaphambi kuka-2014 lapho igunya lomuntu liqala ukusebenza.
Ngakho-ke, igunya libhekele ingxenye yabantu baseMelika abangenayo umshuwalense wezempilo ngaphambi kuka-2014, nalabo abaye bahlala bengagunyaziwe eminyakeni eyalandela.
Ingabe Nginomshwalense Wezempilo?
Kusukela ngo-2014 zonke izakhamizi zase-US kanye nezakhamuzi zomthetho zidingeke ukuba zibe "nokubambisana okubalulekile," okubandakanya ukufakaza ngomsebenzi wakho, uhlelo lukahulumeni (njenge-Medicaid, i-Medicare, i-Veterans Administration, ne-Armed Services), noma uhlelo lwezempilo wena uthenge wena ngokwakho. Kodwa ayihlanganisi "izinzuzo ngaphandle" njengomshuwalense wezempilo wesikhathi esifushane , izithako zengozi, noma izinhlelo zokugula ezibucayi.
Uma ungenayo umshuwalense wezempilo, uzokhokha intela yentela eyaqalwa ngokuqala ngonyaka wokubika wezi-2014 (uhlolwe lapho abantu befaka intela zabo ekuqaleni kuka-2015). Isijeziso esincane ngo-2014 sasingama-dollar ayi-95, kodwa i-IRS ibike ukuthi phakathi kwezihlungi zentela ezikhokha inhlawulo ka-2014, isigwebo esiphezulu sasingama-dollar ayi-210.
Isijeziso esincane senyuke ngo-2015 futhi futhi ngo-2016. Kubantu ababengavunyelwe ngo-2016, inhlawulo encane yi-$ 695, kepha i-Kaiser Family Foundation inqume ukuthi izijeziso ezijwayelekile zizoba ngu-$ 1,000 .
Inani elingu-$ 695 elincane lentengo (okungaba izikhathi eziphindwe kathathu kakhulu uma amalungu omndeni amaningi engaqinisekisiwe) azokhokhiswa ngemali yentengo yemali ngonyaka, kusukela ngo-2017.
Emakhaya aphezulu engenayo, inhlawulo yi-2.5% yamholo engenayo, okuzoqhubeka nokuba yilokho (ukhokha noma yikuphi ukuhlawulwa okungaphezulu-isilinganiso esiphezulu, noma iphesenti lemali engenayo).
Ingabe Ukukhululwa Noma Usizo Lutholakalayo?
Ungase ulungele ukukhululwa noma ungathola usizo lokukhokhela umshuwalense wezempilo uma ngabe imali yakho engenayo iphansi. I-IRS ibike ukuthi ngenkathi izihlungi zentela eziyizigidi ezingu-7.9 zithola inhlawulo yokungaqinisekisiwe ngonyaka ka-2014, ezinye izigameko zentela eziyizigidi ezingu-12,4 zazingekho ngaphansi kwesigwebo, naphezu kokungaqinisekisiwe.
Ukukhululwa kunikezwe lokhu okulandelayo:
- unenkinga yezezimali
- unenkinga yangempela yenkolo
- ungumNdiya waseMelika
- ungenakho ukuhlinzekwa kwezempilo ezinyangeni ezingaphansi kwezinyanga ezintathu (inhlawulo ekhishwe ngokweqile isebenza uma ungaqinisekisiwe izinyanga ezintathu noma ngaphezulu)
- ungumfiki ongabhalwanga phansi
- usejele
- isamba semali esincane kunazo zonke ezitholakala endaweni yakho lidlula amaphesenti angu-8 omholo wakho (indexed for inflation; ngo-2017, amaphesenti angu-8.16).
- imali engenayo ingaphansi kwesibalo sokufaka intela
- uyilungu lenkonzo yokwabelana ngezempilo
- uhlala phesheya okungenani izinsuku ezingu-330 ezinyangeni ezingu-12
- une-short-term coverage nge-AmeriCorps, VISTA, noma i-NCCC.
- uzobe ufanelekile kwi-Medicaid ngaphansi kwe-ACA, kodwa ayifaneleki ngoba isimo sakho asizange sikhulise iMedicaid.
Ukwenza Ukuthenga Kunenzuzo
Kusukela ngo-2014, i- Medicaid yanda ngaphansi kwe-ACA emindenini enezinzuzo ezifinyelela ku-138% wezinga lobuphofu elisemthethweni (cishe u-$ 16,400 kumuntu oyedwa ngo-2016).
Kodwa iNkantolo Ephakeme yanquma ukuthi ukwandiswa kwe-Medicaid kungaba yinto yokuzikhethela, futhi ngasekupheleni kuka-2016, kunezinhlobo ezingu-19 ezingazange zandise iMedicaid. Ezingu-18 kulawo mazwe, kunesiphakamiso sokuhlanganisa : Abantu abanenzuzo engaphansi kwezinga lobuphofu abafanelekile ukuthola izinsizakalo ze-premium ku-exchange noma i-Medicaid, okwenza ukuthi kungabikho ukutholakala. Abantu abakulesi simo abahloliwe njengenhlawulo yentela yokungaqinisekisiwe, kodwa, njengoba i-IRS idale ukukhululwa kwabo.
A Dr. Mike incazelo: Level Federal Ukuhlupheka - Ekuqaleni konyaka, uhulumeni federal ukhipha "esemthethweni" engenayo izinga lobubha. Le mali yincinjana engenayo yonyaka ukuthi umuntu noma umndeni kudingeka akwazi ukuhlinzeka ngezidingo eziyisisekelo ezifana nokudla nezindlu. Inani langempela lama dollar lishintsha njalo ngonyaka futhi lihluka ngokususelwa kwinani labantu emndenini. I- Federal Poverty Level isetshenziselwa ukunquma ukufaneleka komuntu ngezinhlelo zikahulumeni ezifana neMedicaid.
Uma imali yakho yonyaka ingaphezulu kuka-138% wezinga lobuphofu lombuso kodwa ezingaphansi kwezingu-400% zezinga lobuphofu (ngo-2017 ukuhlinzekwa, okungaba ngu-$ 47,500 kumuntu ngamunye), uzothola isikweletu somholo ukukusiza ukhokhe amaphrimiyamu akhompilo . Futhi uma imali yakho engenayo ingadluli amaphesenti angu-250 ezingeni lobuphofu, kunesibonelelo sokuthola izindleko zakho ngaphandle kwezindleko .
Insizakalo yezindleko ezingaphandle kwe-pocket ikhokhwa ngqo kumshwalense wakho wempilo. Kodwa insizakalo ye-premium ingakhokhwa ngokuqondile kumshwalense wakho, noma ungakhetha ukuyifaka ekubuyisweni kwentela. Ikhredithi yentela ebuyisela imali, ngakho-ke uzothola noma ngabe awukhokhisi intela yentela.
Kuthiwani Uma Ngisengakwazi Ukusebenza?
Kungenzeka kube nabanye abantu abangakwazi ukukhokhela izinkokhelo zomshuwalense wezempilo ngisho nangomxhaso, noma isaphulelo sentela. Uma lokhu kungesimo sakho ungacela ukukhululwa okusekelwe ebubini bezezimali . Uma izindleko zepulani eliphansi kunazo zonke zeBronze endaweni yakho zingaphezu kwamaphesenti angama-8.16 omholo wakho ngo-2017 (ngemuva kokuthi insizakalo, uma ikhona, ingacatshangelwa), uzofanelekela ukukhululwa ngokusekelwe ekubukeni okungenakulungiswa .
Uma Ngithenga Umshwalense, Ingabe I-Health Plan Ingangishintsha Uma Ngigula?
Cha! Zonke izinhlelo zamakethe zodwa zaqinisekiswa-kusukela ngoJanuwari 2014. Ukubhaliswa kunqunyelwe iwindi lokubhalisa elivulekile lonyaka eliqala ukuwa ngalunye ngoNovemba 1, noma isikhathi sokubhalisa esikhethekile esabangelwa umcimbi ofanelekayo , kodwa abanikazi besikhwama sokungabhaliseki abasazibuza ngomlando wezokwelapha uma ufaka isicelo sokuthola. Izimo ezandulele zikhona kuwo wonke amapulani manje, ngaphandle kwalezi zinhlelo zemakethe ezikhulu.
Ingabe Kufanele Ngikhokhe Izintela Eziphakeme Ngenxa Yezinguquko Zempilo?
Ngempumelelo ngoJanuwari 1, 2013, abantu abathola imali engaphezu kuka-$ 200,000 ngonyaka noma imibhangqwana ehola imali engaphezu kwamaRandi ayizigidi ezingama-250 ngonyaka - cishe ama-2% aseMelika - aqala ukwanda kwentela ehlobene neholo, kuhlanganise:
- Inkokhelo eyengeziwe ye-0.9% ye- Medicare Part A Umshwalense wezempilo, ukwanda kusuka ku-1.45% ukuya ku-2.35% - isibonelo, uma ungumndeni ocebile unomholo wonyaka we-$ 350,000, ukhokha imali eyengeziwe engu-R5 900 ngonyaka emithethweni ye-Medicare .
- Intela ye-Medicine engu-3.8% emalini engenayo engenayo njengemali eyinzuzo, izinzuzo kanye nemikhakha. Ngaphambilini, intela yeMedare yahlolwa kuphela ekutholeni imali, njengemholo kusuka emsebenzini wakho noma inzuzo evela emsebenzini.
Noma kunjalo, kunezinye izinkinga ezihlobene nentela ezithinta inani elikhulu labantu. Lokhu kufaka:
- Inhlawulo yentela yokungenawo umshuwalense wezempilo owaqala ukusebenza ngo-2014.
- Ezinye izinguquko endleleni ophatha ngayo i-akhawunti yokulondoloza impilo (HSA). Kusukela ngoJanuwari 1, 2011, awukwazi ukukhokhwa ngesisekelo samahhala ezindleko zemithi engaphezu kwe-counter . Futhi, intela yokusabalalisa evela kwi-HSA yakho (ngaphambi kweminyaka engama-65) engasetshenziselwa izindleko zezokwelapha ezifanelekile isuke kusuka ku-10% kuya ku-20%.
- Uma ubeka intela yentela ekhokhwa intela kuSheduli A, ngoJanuwari 1, 2013, umkhawulo wokukhishwa kwezindleko zakho zokwelashwa wenyuka kusuka ku-7.5% wemali engenayo ehlelwe ngu-10% yemali engenayo ehleliwe. Lokhu kwanda kukhishwe uma uneminyaka engama-65 noma ngaphezulu eminyaka yentela 2013 kuya ku-2016 kodwa kusebenza kuwo wonke umuntu kusukela ngo-2017. Ngakho-ke, uma imali yakho engenayo ehleliwe ingama- $ 80,000, ungakwazi kuphela ukukhipha izindleko zezokwelapha ezidlula u-$ 8,000, kanti, esidlule, ngabe usukwazi ukukhipha izindleko zezokwelapha ezidlule u-$ 6,000.
Ukwengeza, kunezintela ezingabhekanga ngqo kuwe ezingaba nethonya kuwe. Isibonelo, izimali ezinikezwe ezinkampanini zomshuwalense wezempilo zingakwandisa izindleko zemikhiqizo yazo, ezingadluliselwa kuwe. Ngokuthakazelisayo, izinsizakalo zokubheja zokubheja manje zikhokhiswa intela yentengo ye-10%, okungenzeka kube kuhle empilweni-kungcono ukuthola ilanga lokukhanya kwelanga!
Kubuyekezwe nguLouise Norris.
> Imithombo:
Healthcare.gov. Funda uMthetho Wokunakekelwa Onganakekelwayo.
> Healthcare.gov. Izinhlobo Zomshuwalense Wezempilo Obala Njengesivikelo.
> Isevisi yangaphakathi yeNgeniso. Inkokhelo Yentela Emisebenzini Yobuningi Engaphandle, Imibuzo Evame Ukubuzwa.
> Insizakalo yangaphakathi yeNgeniso: Ukuhlinzekwa ngabanye ngabanye Ukuhlinzekwa: Ukumangala-Ukumangalelwa noma Ukubika.
> Koskinen, uJohn, Insizakalo yangaphakathi yeNgeniso, imiphumela yokuqala kusukela ngonyaka ka-2015 wokubhalisa ohlobene noMthetho Wokunakekelwa Okunganakekelwa Okwenziwe ngo-Okthoba 2015 . > Januwari 8, 2016.