Izinto Ezibalulekile Okumele Ukwazi Ngayo Imishwalense Yomshuwalense Wezempilo

Ulwazi olubalulekile mayelana nokuxhaswa kwe-Health Insurance

Uma unesithakazelo kumxhaso kahulumeni ukuze wenze umshuwalense wezempilo (futhi kwezinye izimo, izindleko zakho ezingaphandle kwezezimali) ezingabizi kakhulu, kunezinto eziningana ezibalulekile okudingeka wazi.

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Kuningi Uhlobo Olunye Lwenkxaso Yomxhaso

I- Care Affordable Act yadala izinhlobo ezimbili zemali yomshuwalense wezempilo. Ungasebenzisa kokubili ngesikhathi esifanayo uma ufanelekela kokubili.

Abantu abaningi banelungelo lokuthola isikhwama somholo wesikweletu se- premium , esinciphisa izinkokhelo zenyanga zonke ozikhokhela ukuthenga umshuwalense wezempilo. Ukufaneleka kwalesi sixhaso kufinyelele kumazinga angu-400 ezinga lobuphofu, elilinganiselwa ku-$ 98,400 emndenini wabantwana ngo-2018. Ngonyaka ka-2017, amaphesenti angama-84 okushintshanisa abhalisa abafanelekayo ukuthola izinsizakalo ze-premium.

Kukhona nesibonelelo sokubelana ngemali, esenzelwe ukusiza ukwehlisa izindleko zakho njalo uma usebenzisa umshwalense wakho wezempilo. Uma ufaneleka ukuthola izinsizakalo zokwabelana ngezindleko, uzokwazi ukuthola izinsizakalo ze-premium. Kodwa okufanayo akulona iqiniso kuyiqiniso. Ukufaneleka kwemali yokwabelana ngezindleko kufinyelele kuma-250 ekhulwini wezinga lobuphofu ($ 61,500 emndenini wabantwana ngo-2018), futhi zitholakala kuphela uma uthenga uhlelo lwesiliva ku-excange. Insizakalo yokwabelana ngezindleko inciphisa inani olikhokhayo ngokwabelana ngezindleko ezifana ne- deductibles , ama- copays nokuqinisekiswa kwezimali . Kunganciphisa futhi ukuphuma kwe-pocket okungaphezulu kwakho ukhokha unyaka ngamunye uma unezindleko zokunakekelwa kwempilo ephezulu. Amaphesenti angama-57 okushintshanisa abhalisa ngo-2017 ayethola izinsizakalo zokwabelana ngezindleko.

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Thola It ekushintsheni, Sebenzisa Kushintsho

Indawo kuphela ongayithola ngayo imali yomshuwalense wezempilo ngumshwalense wakho womshuwalense wezempilo. Indawo kuphela ongayisebenzisa ngayo imali yomshuwalense wezempilo wombuso wakho.

Ukwamukela isabelo semali yokwabelana ngezindleko, kufanele ukhethe uhlelo lwezempilo lwe -silver-tier kusuka ekushintsheni kwakho. Uma ukhetha uhlelo lwebhedu, igolide noma i-platinum, ngeke uthole imali eyabelwe izindleko ngisho noma uhlangabezana nazo zonke ezinye izidingo ezidingekayo.

Insizakalo yakho yokukhokha intela ye-premium ingasetshenziselwa noma yiluphi uhlelo lwezensimbi ekushintsheni, kodwa hhayi uhlelo oluyingozi.

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Konke Konke Ngenzuzo, hhayi Amafa

Imali yomshuwalense wezempilo isekelwe kuphela kwimali oyikhokhisayo. Imali engenayo embuzweni yinzuzo yakho eguquliwe ehlelwe kabusha, noma i-MAGI , yonyaka oyobe uthola umxhaso. Lokhu kubalulekile.

Okokuqala, uma imali yakho engenayo ihluka kakhulu ngonyaka nonyaka, kungase kube nzima ukulinganisa ngokunembile imali engenayo yesikhathi esizayo. Nikeza isilinganiso esingcono kakhulu sokuthola imali yakho yesikhathi esizayo futhi ulungele ukuchaza ukuthi ufike kanjani kulokho kulinganiselwa. Uma ulinganisela imali engenayo ngokungafanele, uzothola imali eningi kakhulu noma engaphansi kakhulu (uzobuyisana umehluko ekubuyisweni kwentela).

Okwesibili, izimpahla zakho, okungakanani onakho ekulondolozeni, ukubaluleka kwendlu yakho nokufanele kwakho akuthinti ukufaneleka kwakho kwenkxaso. Konke okubalulekile kuyinzuzo yakho . Ungaba nemali eyizigidi zamaRandi uhlezi ku-akhawunti yakho yasebhange futhi usazokwazi ukuthola usizo lomxhaso wempilo yomshuwalense uma imali yakho engenayo ebangeni elifanelekile (lokhu kusho ukuthi okungenani amaphesenti angu-100 wezinga lobuphofu-okungenani amaphesenti angu-139 emazweni okuye kwandisa iMedicaid-futhi ingekho amaphesenti angaba ngu-400 ebunini bobuphofu; leli shidi libonisa lokho okulingana nobukhulu bomndeni obuhlukahlukene).

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Izindaba Zakho Zentela

Uma ushadile, isimo sakho sokufaka kufanele sithunyelwe ngokuhlanganyela ukuze sikwazi ukuthola umxhaso womshuwalense wezempilo . Uma ushadile futhi ulayishe ngokwehlukana, ngeke ufanelekele umxhaso ngisho noma uhlangabezana nazo zonke ezinye izidingo.

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Ilungele Ukunye Umphumela? Mhlawumbe ayikho Insizakalo Yakho

Uma ufanelwe umshwalense wempilo oxhaswe nguhulumeni njengoMedare noma iMedicaid, noma uhlelo oluxhaswe ngumqashi olunikeza inani eliphansi futhi lihlangabezana nezidingo zokukwazi ukukwazi ukukwazi ukukwazi ukukwazi ukukhokhela, ngeke ufanelekele ukukhokhela imali. A

Lokhu kuyiqiniso ngisho noma ungabhalisile empeleni umshuwalense wezempilo oxhasiwe nguhulumeni noma oqashiwe ngumqashi. Kungukufaneleka kwakho okukufanelekile ukuthola usizo.

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Kunezindlela ezimbili zokukhokhelwa

Unezinketho ezimbili zokuthola imali yenkxaso yesikweletu se-premium yesikweletu.

Uma ukhetha inketho yokukhokha ephakeme, imali yakho yesibonelelo iya ngqo enkampanini yomshuwalense wezempilo inyanga ngayinye ukwehlisa izindleko zesikhwama somshuwalense wezempilo wenyanga. Awuboni noma uphathe imali yenkxaso, kodwa inani olikhokhela ukuthenga umshuwalense wezempilo inyanga ngayinye ephansi kunokuba ngabe ngabe awutholanga umxhaso.

Ngaphandle kwalokho, ungathola imali yakho yesibonelelo ngesamba esisodwa ngemuva kokuphela konyaka uma ufaka intela yakho yentela yenzuzo. Isamba seminyaka yonke somxhaso wesikweletu sentela ye-premium sizofakwa kwisheke lakho lokubuyisela imali. Uma ungatholi ukubuyiselwa kwemali ngoba usazokhokha intela, insizakalo izokhipha lokho okukhokhwayo. Uma ukhetha le nketho, uzokhokha inani eligcwele le-premium yomshuwalense wezempilo inyanga ngayinye phakathi nonyaka, kodwa uzobuyiselwa ingxenye yezindleko zakho uma ufaka izintela zakho.

Kuzo zombili izimo, kuzomele uthenge ukuthunyelwa nge-exchange ukuze uthole imali. Uma uhlela ukukhokha inani eligcwele unyaka wonke futhi ucele uxhasomali ekubuyiselweni kwentela yakho, uzokwazi ukwenza lokho kuphela uma uthenge uhlelo lwakho ekushintsheni kombuso wakho.

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Ungase Uyikhokhele Emuva

Uma uthole imali engaphezulu yenkxaso kunokuba kufanele ube nayo, kungase kudingeke uyikhokhele. Lokhu kubalulekile kubantu abakhetha inketho yokukhokha okuthuthukisiwe yenkxaso yekhredithi yabo yokukhokha intela ye-premium.

Nakhu ukuthi kusebenza kanjani. Ake sithi ufaka isicelo somxhaso wonyaka ozayo. Ulinganisela imali engenayo yonyaka ozayo kuyoba ngu-$ 35,000, futhi imali yakho yesibonelelo inqunywe ngokusekelwe kulokho kulinganiselwa. Inyanga ngayinye ngonyaka ozayo, imali yakho yenkxaso iya ngqo kwinkampani yakho yomshuwalense wezempilo.

Uma ufaka intela yakho yentela yenhlangano emva kokuphela konyaka, uthola ukuthi empeleni wenze $ 45,000.

Ngenkathi ufaka intela yakho, inani lemali eyatholwa ngokusekelwe kumholo wakho olinganisiwe uzoqhathaniswa nemali okufanele uyenze ngokusekelwe ngenzuzo yakho yangempela. Njengoba ungaphansi kokulinganisela imali yakho nge $ 10,000, uthola imali eyengeziwe yenkxaso kunokuba kufanele ube nayo. Kungadingeka ukuthi ukhokhe umehluko.

Kunezindlela ezintathu zokugwema lesi simo:

• Yazisa umshwalense wakho wezempilo uma uthola insizakalo futhi uyazi ukuthi imali engenayo yangempela iyohluka kunalokho okulinganisiwe uma ufaka isicelo soxhaso. Isibonelo, uma uthola ukuphakama, tshela ukushintshwa komshwalense wakho wezempilo. Ukushintshaniswa kuzoguqula isibonelelo sakho kulo lonke unyaka ukuze sikusize ukuba ugweme ukukhokha imali.
• Linganisa imali yakho engenayo ngokunembile uma ufaka isicelo somxhaso.
• Ungakhethi inketho yokukhokha ephakeme. Qoqa imali yakho yesibonelelo uma ufaka intela yakho ngemuva kokuphela konyaka. Ngaleso sikhathi, uzokwazi kahle ukuthi imali yakho ingakanani.

Uma usuqeda ukuthola ukwesekwa okungaphezulu kwe-premium kunalokho okufanele ukwenze, i-IRS ifaka inani okufanele uyibuyisele (nge-caps ehlukile kuye ngokwemali engenayo), ngaphandle uma imali yakho engenayo iphela ngaphezu kwamaphesenti angu-400 ebuningi bobuphofu. Uma lokho kwenzeka, kufanele ukhokhe imali egcwele yimuphi umxhaso we-premium owutholile phakathi nonyaka.

Ngakolunye uhlangothi, uma imali yakho engenayo iphela ephansi kunalokho owawukwenzela unyaka (kodwa okwamanje ohlwini olufanelekayo lwezimali, kunokuba uhla olufanelekayo lweMedicaid noma uhla lwekhasi lokubhekela iMedicaid esimweni esingasandisi iMedicaid) , imali eyengeziwe yokwesekwa kwe-premium izofakwa kwimbuyiselo yakho yentela, noma isetshenziselwe ukukhokha inani lentela okhokhwayo uma ungabikho ukubuyiselwa imali.

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Ukufunda Okuningi

Ngezansi amanye amasayithi anolwazi olwengeziwe mayelana nemali yomshuwalense wezempilo:

Ngingayithola Yini Usizo Lokukhokhela Umshwalense Wezempilo? Leli khasi linikeza ukubuyekezwa kwemali yomshuwalense wezempilo futhi kuzokusiza ukuthi uthole ukuthi ufanelekile yini umxhaso.

Insizakalo Yomshuwalense Wezempilo Ka Premium Isebenza Kanjani? Leli khasi lizokufundisa ukuthi imali eyinzuzo engakanani oyothola yona kusukela esikhwameni sentela ye-premium, kanye nemithetho ehambisana nayo.

Funda kabanzi mayelana nokwesekwa ngemali yokwabelana ngezindleko ngendlela Indlela Yokunikezwa Kwezindleko Zomshuwalense Wezempilo Osebenza Ngayo Imali Nokuthi Isibonelelo Sokunciphisa Ukusebenza Kwakho Okungekho Emphakathini .