Incazelo
Ukushintshaniswa kwemishwalense yempilo, okungaziwa ngokuthi umshuwalense wezeMark Market, indawo yokuqhathanisa-yezitolo yomshuwalense wezempilo . Izinkampani zomshuwalense wezempilo zangasese zihlela izinhlelo zabo zempilo ngokushintshanisa, futhi abantu baqhathanisa ukuthenga phakathi kwezinto ezikhona zokuhlelwa kwezempilo.
Inkulumo yomshuwalense wezempilo yomshuwalense kaningi ibhekisela ekushintshaneni komshuwalense wezempilo womphakathi okwakhiwa nguhulumeni ngenxa ye- Care Affordable Act , nakuba kukhona ukushintshaniswa komshuwalense wezempilo wangasese.
Imishwalense yomshuwalense wezempilo yangasese ivame ukuklanyelwa ukukhonza abaqashi abaningi abakhulu, ngakho-ke abantu abaningi bazohlangana nabo kuphela lapho bebhalela umshwalense wempilo esekelwe emisebenzini. Lesi sihloko sigxile ekushintsheni komshuwalense wezempilo ka-ACA.
Ukushintshaniswa komshuwalense wezempilo yomphakathi kusetshenziselwa ukuthenga izinhlelo eziqinisekisiwe zempilo yomshuwalense wempilo kanye nomndeni owaziwa njenge- Obamacare . Izinhlelo zeqembu elincane nazo ziyatholakala emibangweni yomphakathi, nakuba cishe konke ukubhaliswa kuye kwaba ukuthengiswa komakethe ngamunye.
Nakuba igama le- Marketplace lifaka isithombe somqondo wendawo yomzimba lapho abathengi bezulazula kusuka esiteji kuya esiteji behlola izinto ezithengiswa ngabathengisi, abantu abaningi bathola ukuhwebelana ngempilo yomshwalense nge-intanethi. Umshwalense omkhulu wempilo yomshuwalense wezeMpilo, i-HealthCare.gov, ulawulwa uhulumeni wesifundazwe, ukhonza abadayisi bomshuwalense wezempilo eminyakeni engu-39. Okunye okushiwo ngu-11 kanye neSifunda saseChongo ngasinye siqhuba ukuhwebelana kwabo.
Bangaki Abantu Ababa Nokubambisana Nge-ACA's Exchanges?
NgoDisemba 23, 2017, ukubhaliswa ngo-2018 ukuthengiswa ngokubambisana kwakumi kubantu abangaba ngu-11.5 million. Ngaleso sikhathi ukubhaliswa okuvulekile sekuphelile emazweni amaningi, kodwa ukuthengiselana okumbalwa kombuso kwakwandise ukubhaliswa okuvulekile ngoJanuwari , ngakho izinombolo zazingakapheli.
Kusukela ngo-March 2017, okwenziwe ukubhaliswa kwezimpikiswano kwakume abantu abayizigidi ezingu-10.3 . Ukubhaliswa okuphumelelayo kuhlale kunciphile kunani labantu abhalisa ngesikhathi sokubhalisa okuvulekile, njengoba kukhona njalo abantu abathile abangakhokhi ama-premium abo bokuqala noma abakhansela ukukhokhelwa kwabo ngemuva nje kokubhalisa.
Amabhizinisi amancane angabhalisa ezinhlelweni ngokusebenzisa ukuhwebelana, kodwa kunabantu abangaphansi kuka-200 000 ababhalise izinhlelo ezincane zokushintshanisa amabhizinisi ezweni lonke-iningi le-ACA exchange exchange libheke emakethe ngayinye.
Indlela Ukuhwebelana Ngomshwalense WezeMpilo Kusebenza Ngayo
Ukuhwebelana kwenzelwe ukwandisa ukuncintisana nokunciphisa ukuthenga ukufanisa. Izinkampani zomshuwalense zincintisana ngebhizinisi lakho usebenzisa iMakethe. Lokhu ukuncintisana okuqondile kuhloswe ukugcina izindleko zemishanguzo yomshuwalense wezempilo phansi. Izindawo zezimakethe zilula ukuqhathaniswa kwamacebo ngokusebenzisa indlela yokusebenzisa "ama-apula apula":
- Yonke imigomo yomshuwalense wezempilo ohlinzekwa ngezokuhwebelana inikeza isethi encane yezinzuzo zezempilo ezibalulekile.
- Zonke izinqubomgomo zomshuwalense wezempilo ezihlinzekwayo kufanele zihambisane nesinye sezibonelelo ezine ezizuzayo: ithusi, isiliva, igolide ne- platinum .
- Izinhlelo eziqinisekisiwe zitholakala ekuthengiseni emazweni amaningi. Ekushintsheni kweCalifornia, lonke uhlelo luhlelekile.
Insizakalo yenzuzo yomgomo ichaza iphesenti yezindleko zokunakekelwa kwezempilo ezikhokhelwayo uhlelo oluzokhokha, okungaziwa ngokuthi yi- actuarial value (AV) yalolu hlelo. Ungafunda kabanzi mayelana nokuthi lezi zingxenye zokuhlomula zisebenza kanjani, "I- bronze, i-Silver, igolide, ne-Platinum-Ukuqonda uhlelo lwe-Metal-tier System ."
Ukuhwebelana kuhlinzeka ngemali yokusiza ukukhokhela umshuwalense wezempilo. Ukushintshaniswa komshuwalense wezempilo yiyona kuphela iphuzu lokufinyelelwa kwezibonelelo zikahulumeni ( izikweletu zentela ) ezikwenza umshwalense wezempilo ube namandla kakhulu kubantu baseMelika ngemali ethobekile. Ungafaka isicelo somxhaso womshuwalense wezempilo kahulumeni ngokusebenzisa umshwalense wakho wezempilo, kanti insizakalo ingcono kakhulu kumshwalense wezempilo owathengiwe kumshwalense wezempilo.
Funda kabanzi mayelana nezinsizakalo zomshuwalense wezempilo, " Ngingathola Usizo Lokukhokhela Umshwalense Wezempilo? "
Ngaphandle kokuxhaswa kwe-premium, izinsizakalo zokwabelana ngezindleko (eyaziwa nangokunciphisa ukwabelana ngezindleko ) zitholakala kuphela ngokusebenzisa ukuhwebelana. Uma imali yakho engenayo yenza ukuthi ufanelekele izinsizakalo zokwabelana ngezindleko kanye / noma izinsizakalo ze-premium, uzofuna ukubhalisa ngokusebenzisa ukuhwebelana (ngokungafani nokubhalisa ngqo ngokusebenzisa inkampani yomshuwalense) ukuze usebenzise usizo olukhona.
Ukuhwebelana kukhishwa izitifiketi zokukhishwa. Ngisho noma ungafuni ukuthenga umshuwalense wezempilo, ungase ugcine ukuxhumana nomshwalense wakho wezempilo njengoba ezinye izitifiketi zokukhishwa kwe-inshuwalense yezempilo zikhishwa kuphela ngemikhakha yempilo yomshuwalense (ezinye zikhishwa yi-IRS esikhundleni). Uma ungenayo umshuwalense wezempilo, kodwa ufuna ukugwema isigwebo sentela sokungaqinisekisiwe, uzodinga isitifiketi sokukhululwa . Thola ukuthi uyakufanelekela yini ukukhululwa emthethweni wokuthenga umshuwalense wezempilo ku-" Ngingayithola Yini Ukuxoshwa Kwomshuwalense Wezempilo ?"
Ukuthola Ukushintshaniswa Kwomshuwalense Wezempilo Wakho
Isimo sakho singase sisebenzise ukushintshaniswa komshuwalense wezempilo njengokwenziwa komunye waseCalifornia, Covered California. Noma, umbuso wakho kungenzeka ukuthi ukhethe ukungenzi ukushintshaniswa komshuwalense wezempilo, noma ukudala ukushintshaniswa kodwa usebenzise ipulatifomu yokubhalisa federal. Uma kunjalo, izakhamuzi zisebenzisa i-federal exchange exchange at HealthCare.gov. Thola ukuthi ungaxhumana kanjani nomshwalense wezempilo embusweni wakho, noma ngabe izakhamuzi zombuso wakho zisebenzisa i-federal exchange exchange.
Ukubhalisa ekushintsheni (futhi ngaphandle kwezokushintshaniswa, ukuthengiswa kwamakethe ngamunye) kunqunyelwe emafasiteleni avulekile wokubhalisa ngonyaka kanye nezinkathi zokubhalisa ezikhethekile ezibangelwa izenzakalo ezifanelekayo. Ukuvulwa kokubhalisa ngo-2019 kuzoba ngoNovemba 1, 2018 kuzo zonke izimo.
> Imithombo:
> Amasevisi e-Medicare naseMedicaid Services. 2017 Isitoreji sokubhalisa esenziwe kahle . Ngo-Juni 12, 2017.
> Isevisi yangaphakathi yeNgeniso. Ukuhlinzekwa ngabanye ngabanye Ukuhlinzekwa - Izibonelo: Ukumangalela noma Ukubika. 2017.