Uma ungaphuthelwa ukubhaliswa okuvulekile ku-Care Affordable Care Act yakho yomshuwalense wezempilo , unezinto ezimbalwa ongayibhekana nazo.
Okokuqala, udinga ukuthola umshuwalense wezempilo ngenye indlela noma ulungiselele ukuba ungaqinisekisiwe kuze kufike ithuba lokubhalisa elilandelayo. Okulandelayo, ungase ubhekane nesigwebo sentela izinyanga ongenayo umshuwalense wezempilo. Ungaba isabelomali salokhu noma uzama ukuthola ukukhululwa ngakho ngeke ukhokhele inhlawulo.
Indlela Yokuthola Umshwalense Wezempilo Uma Ulahlekelwe Ukubhaliswa Okuvulekile
Uma ulahlekelwe ukubhaliswa okuvulekile emakethe yomshuwalense wempilo yomuntu ngamunye, awunakho okunye okunye okukhethwa kukho, kodwa unambalwa. Nazi ezinye zezindlela zakho zokuthola umshuwalense wezempilo.
Isimo sakho kungenzeka ukuthi sandise ukubhaliswa okuvulekile: Kunezinkampani eziyishumi ezithengiswa ngombuso ovulekele ukubhaliswa okuvulekile ukuhlinzekela ngo-2018 ngaphesheya komhla kaDisemba 15, 2017 owenziwe nguhulumeni wesifundazwe. Abayisikhombisa babo bavumela abantu ukuba babhalise ngoJanuwari 2018, kuze kufike izikhathi ezilandelayo:
- I-Colorado: NgoJanuwari 12
- Minnesota: Januwari 14
- Washington: January 15
- EMassachusetts: ngoJanuwari 23
- DC: Januwari 31
- I-California: January 31
- I-New York: NgoJanuwari 31
Isikhathi sokubhalisa esikhethekile: Uma unomcimbi ofanelekayo , ungafaneleka isikhathi sokubhalisa esikhethekile ekushintsheni komshuwalense wezempilo. Izinkathi zokubhalisa ezikhethekile zivame ukubangelwa impilo-izenzakalo ezishintsha ubukhulu bomndeni wakho noma indawo yakho, noma zenze ukuthi uphelelwe omunye umshuwalense wezempilo.
Isibonelo, ungase ube nomcimbi ovusa ukufaneleka uma ushada noma unomntwana. Uma wena noma oshade naye belahlekelwa umsebenzi owanikeze umshuwalense wakho wezempilo, ukulahlekelwa kwakho ukukhokhelwa kuyoba yisenzakalo esifanelekayo. Uma ungasakwazi ukuhlinzeka ngemali ye-Medicaid ngoba imali yakho engenayo ikhuphukile, ukulahlekelwa ukuhlolwa kwakho kweMedicides kuyoba umcimbi ofanelekayo.
Futhi uma inqubomgomo yakho yomshuwalense wezempilo ka-2017 ingafanelekile ukuvuselelwa ngoba umshwalense wakho ushiye emakethe endaweni yakho, ungaze ufike ku-Mashi 1, 2018 ukukhetha uhlelo olusha, usebenzisa isikhathi sokubhalisa esikhethekile esabangelwa ukulahlekelwa (kukhona ezinye okungafani nalokhu; ezinye izingxoxo ezihambelana nombuso eziveze lezi zibhaliso ezinhlelweni ezintsha azizange zinikeze isikhathi sokubhalisa esikhethekile)
Nasi uhlu olugcwele lwazo zonke izenzakalo ezifanele emakethe yomshuwalense wezempilo . Abaningi babo basebenzise kokubili nokushintshaniswa , nakuba abambalwa kuphela abasebenza ekuthengiseni.
I-HealthCare.gov nokuningi kokushintshaniswa kombuso kuqinisekiswe ukufaneleka kokuthola izikhathi ezikhethekile zokubhalisa, ngakho-ke lungele ukunikeza ubufakazi bokufaneleka kwakho. Futhi nakuba ukuthuthela unomphela endaweni entsha (lapho izinhlelo ezahlukene zempilo zitholakala) kuyisenzakalo esifanelekayo, senza kuphela isikhathi sokubhalisa esikhethekile uma usuvele unomsebenzi ngaphambi kokuba uhambe. Lolu shintsho lomthetho lwaqala ukusebenza ngo-2016, futhi luvimbela abantu abangaqinisekisiwe ukuba bangene endaweni entsha ukuze bathole ukufinyelela kumshuwalense wezempilo .
Izinguquko zomthetho ezengeziwe zenziwa ngo-2017, kuhlanganise nemfuneko yokuthi okungenani umlingani oyedwa kumbhangqwana osanda kushada kufanele abe inshurensi ngaphambi komshado (ngezinye izinto ezimbalwa) ukuze lo mbhangqwana ufaneleke isikhathi sokubhalisa esikhethekile.
Ngaphezu kwalokho, imithetho emisha yenza kube nzima ukushintshela ohlelweni lensimbi ehlukile ngesikhathi sokubhalisa esikhethekile
I-Medicaid: Uma uvumelekile, ungabhalisa ku- Medicaid noma ubhalise izingane zakho ohlelweni lwe-Insurance Health yezingane. Asikho isidingo sokulinda ukubhaliswa okuvulekile ekushintsheni komshuwalense wezempilo. Ukuze ufaneleke ku-Medicaid kufanele uhlangabezane neziqondiso ezincane zentela kuhulumeni wakho. Amanye amazwe adinga ukuthi uhlangabezane nezinye izindlela zokufaneleka ngaphezu kokuthola imali encane. Izingane zakho zingase zifanelekele i-CHIP noma ngabe awufanelekile ku-Medicaid.
Uma useMinnesota noma eNew York kanti imali yakho engenayo ayidluli amaphesenti angu-200 ezingeni lobuphofu elisemthethweni, ungabhalisa ohlelweni lwezempilo oluyisisekelo lukahulumeni; Ukubhalisa kulawo maphuzu kuyaqhubeka unyaka wonke.
Uma useMassachusetts, imali yakho engenayo ayidluli amaphesenti angu-300 wezinga lobuphofu elisemthethweni, ufanelekile ku-ConnectorCare. Ukubhalisa kuyatholakala unyaka wonke, uma ngabe usanda kulungela i-ConnectorCare noma awubhalisile esikhathini esidlule .
Ungafaka isicelo se-Medicaid, ufunde mayelana nenqubo yokufaneleka, futhi ufunde ngemikhombandlela engenayo engenayo embusweni wakho ngokuxhumana nokushintshaniswa komshwalense wakho wezempilo. Noma, uma ukhetha ukuxhumana nohlelo lwe-Medicaid yakho ngokuqondile, ungabheka ulwazi loxhumana nabo ngokuchofoza isimo sakho kuwebhusayithi ye-National Association of Medicaid Directors.
E-Minnesota, uhlelo oluyisisekelo lwezempilo olubizwa nge-MinnesotaCare.
E-New York, Uhlelo Oluyisisekelo Lwezempilo lubizwa ngokuthi i-The Essential Plan.
E-Massachusetts, i-ConnectorCare iyatholakala kubantu abanenzuzo ezingeni elingamaphesenti angama-300 wezinga lobuphofu.
Umshuwalense wezempilo osekelwe kuJobe: Uma ulahlekelwe ukubhaliswa okuvulekile kwe-Obamacare, usazokwazi ukuthola umshuwalense wempilo esekelwe emsebenzini uma uthola umsebenzi ngezinzuzo zomshuwalense. Nakuba ngokuvamile kuvame isikhathi eside sokulinda ngaphambi kokuba kuqashwe amasheya amasha afanele umshwalense wezempilo, i-ACA ayibekezi ngaphezu kwezinyanga ezintathu.
Umshwalense Wezempilo Wesikhashana : Uma izinhlelo zomshuwalense wezempilo zesikhashana zitholakala endaweni yakho, ungabhalisa nganoma isiphi isikhathi. Noma kunjalo, izinqubomgomo zesikhathi esifushane azihlinzeki konke ukuvikelwa kwabathengi ukuthi izinqubomgomo eziningi ezinikeziwe zihlinzeka. Isibonelo, izimo zakho ezandulele zizobe zingabandakanywa kusuka ekuboneni futhi inqubomgomo cishe izoba nomkhawulo wokuzuza kakhulu (awavunyelwe futhi ngaphansi kwe-ACA, kodwa umshwalense wezempilo wesikhathi esifushane awulawulwa yi-ACA ). Ngenxa yalezi zimingcele, inqubomgomo yesikhathi esifushane ngeke iwanelise igunya lika-ACA lokuba nomshuwalense wezempilo. Uzodingeka ukhokhele inhlawulo yokungaqinisekisiwe, okwamanje isebenza ngo-2018 .
Izinzuzo Zomshuwalense Wezempilo Wesikhashana
Ukuphulukiswa komshuwalense wezempilo wesikhashana esifushane
I-HHS isebenzise imithetho emisha kusukela ngo-2017 okukhawulela izinhlelo ezinqunyelwe isikhathi esingaphansi kwezinyanga ezintathu esikhathini eside. I-Trump Administration ihlola imigomo yokuguqula ukuvinjelwa kwenkathi ye-Obama ngenkathi yesikhathi esifushane (nakuba kwenzeka ukusebenza ngemuva kokuba uMongameli Trump ethathe isikhundla, yanyatheliswa ngaphansi kweHHS kaMongameli Obama). Kulindeleke ukuthi incazelo yesikhashana sesikhathi esizobuyela emuva "ngaphansi konyaka" ngesikhathi esithile ngo-2018, kodwa imithetho ehlongozwayo ayingakaze yenziwe umphakathi kusukela ngoJanuwari 2018. Uma izinhlelo futhi zesikhathi esifushane ziphinde zibuyele kuvunyelwe ukuba nezinkathi ezinsukwini ezingama-364, ukutholakala kwezinhlelo ezide isikhathi eside kuzohlukahluka ngesimo, njengoba kwenza ngaphambi kuka-2017.
Ngizobe Ngingaqinisekisiwe. Yini Manje?
Uma kungekho okunye okukhethwa kukho okungenhla okusebenza kuwe futhi ngeke uqinisekiswe kuze kufike ukubhaliswa okuvulekile kwe-Obamacare ngonyaka ozayo, ukwazi umtholampilo wakho wangakini noma isikhungo sezempilo somphakathi. Umthetho Wokunakekelwa Kwezezimali ongenakunakekelwa ukwandisa imali kumasevisi ezempilo yomphakathi ukuwasiza ukuba anakekele abantu ngaphandle komshuwalense wezempilo.
Kulungiselela kangcono ukuthi ungaqinisekisiwe usebenzisa leli thuluzi ukuze ungabi nomshuwalense wezempilo .
Ingabe Ngizokhokha Inkokhelo Yentela Yokungaqinisekisiwe?
Isigunyazo ngabanye soMthetho Wokunakekelwa Kwezezimali (Affordable Care Act) sisho ukuthi zonke izakhamuzi zomthetho zase-United States kufanele zibe nomshuwalense wezempilo noma bakhokhele inhlawulo yentela okuthiwa ukukhokha komuntu ngamunye okwabelwana ngawo. Le ntela yentela ingumaphesenti wemali engenayo noma isilinganiso sendawo - noma yikuphi okukhulu - futhi ikhokhwa uma ufaka intela yakho yonyaka owawuqinisekisiwe. Isijeziso sinqanyuliwe uma ngabe awuqinisekisiwe kuphela ingxenye yonyaka.
Inkokhelo isuliwe kumthethosivivinywa wezezimali we-GOP owasungulwa ngasekupheleni kuka-2017 , kodwa lokho okuhlinzekwa komthethosivivinywa akusebenzi kuze kufike ngo-2019. Abantu abangaqinisekisiwe ngo-2018 bazobe bekhokha inhlawulo uma befaka ukubuyela kwabo kwentela ka-2018 ekuqaleni kuka-2019, ngaphandle uma befanelekile ukukhululwa.
Funda kabanzi mayelana nenhlawulo yomshuwalense wezempilo nalezi zinsiza:
Izinto 9 Zokwazi Ngesijeziso Somshuwalense Wezempilo
Isigwebo Somshuwalense Wezempilo Somuntu Ngakanani?
Yingakanani Isijeziso Somshuwalense Wezempilo Umndeni?
Ngingayigwema yini isijeziso somshuwalense wezempilo?
Umuntfu ngamunye okhokhelwa umthwalo wemfanelo uya neminye imigqa. Isibonelo, uma imali yakho engenayo iphansi kakhulu kangangokuthi awubophekile ukufaka intela yentela yenhlangano, ukhululekile ngokuzenzakalelayo esihlalweni. Ngisho nezinkinga zezezimali ezinjengokuxoshwa endlini yakho noma ukuthola isaziso sokukhansela insiza zingakufanelekela ukukhululwa kanzima.
Funda ngezinye izindlela zokuthola ukukhishwa kwomshuwalense wezempilo futhi ugweme isijeziso:
Indlela Yokuthola Ukukhishwa Kobunzima Emshuwalense Wezempilo
Ungayithola Ukukhululwa Komshuwalense Wezempilo?
Ngabe i-My Next Chance Iyifaka kuphi ku-Obamacare?
Ukubhaliswa kokuvota ngo-2019 kuzoqala ngoNovemba 1, 2018, nazo zonke izinhlelo ziphumelela ngoJanuwari 1, 2019.
> Imithombo:
> UMnyango WezeMpilo Nezinsizakalo Zabantu, Ukuvikelwa Kweziguli kanye Nokunakekelwa Kwezinkinga Ezithintekayo, Ukuqiniswa Kwemakethe . Ngo-Ephreli 13, 2017.
> UMnyango wezeMpilo kanye nezinsizakalo zabantu, Isaziso sePACACA seNzuzo kanye neMigomo yokukhokha ka 2017 .
> I-Federal Register, Izinzuzo Ezihlukile; Imingcele yokuphila kanye nonyaka; kanye Nomshuwalense Wesikhathi Esifishane, Isikhathi Esincane, Okthoba 31, 2016.
> UMnyango Wezabasebenzi wase-United States, Ukuphatha kuka-Obama Kumemezela Isimiso Sokugcina Ngokuphathelene Nokunakekelwa Okunganakekelwa Umthetho Wokunciphisa Isikhathi Sokulinda Kwezinsuku ezingu-90, ngoFebhuwari 24, 2014.