Amakhulu ezinkulungwane zabantu ezweni lonke njengamanje abhaliswa ezinhlelweni zezempilo ezingakulungele ukuvuselelwa ngo-2017 . Lokhu kufaka phakathi abantu abathwali babo abashintsha emiklamo yezinhlelo ezintsha zonyaka ka-2017, kanye nabantu abanomshwalense wempilo yomshuwalense wabo ophuma ekushintsheni ngokuphelele (noma yonke imakethe yomshuwalense wezempilo) ekupheleni kuka-2016.
Uma uphakathi kwabo, nansi okudingeka ukwenze.
Uhlelo lwami luphela. Ngenzani manje?
Uma uhlelo lwakho seluphelile, qiniseka ukuthi uzoba nokukhethwa kokungena ku-2017. Ngaphambi kuka-2014 emazweni amaningi, uma umthwali wempahla ekhishwe emakethe, kwakungekho nhlinzeko yokuvumela ama-insureds abo ukuba akhethe kunoma yimuphi omunye uhlelo imakethe ngaphandle kokubhaliswa kwezokwelapha. Kodwa lokho kushintshile manje ukuthi i-ACA inqabela ukubhala phansi kwezokwelapha. Ngesikhathi sokubhalisa okuvulekile, ukhethe noma yikuphi uhlelo olutholakala endaweni yakho.
Njengoba ukubhaliswa okuvulekile okuqhubekayo okwamanje kuqhubeka, okukhethwa kukho kuyoba ukukhetha uhlelo olusha nokuqeda ukubhaliswa kwakho ngokugcina isikhathi sokubhalisa esifundazweni sakho . Kuzo zonke izinkampani ezintathu kodwa, yisikhathi esinqunyiwe nguDisemba 15 ukuze uthole usuku olusebenzayo lukaJanuwari 1.
Okusha ngo-2017: Ukushintshaniswa kungakhetha uhlelo olusha kuwe
Eminyakeni eyedlule-ngisho nangemva kokuba i-ACA isetshenziswe-kwakungekho nhlinzeko yokuvumela ukushintshaniswa ukukhetha ngokuzenzakalelayo uhlelo olusha lwabantu abathwali babo abaphuma ekushintsheni ngokuphelele.
Kodwa lokho kuye kwashintsha ngo-2017. Imithetho emisha ivumela ukushintshaniswa ukuthi ikushintshe ohlelweni oluvela kubathwali abathintekayo uma umphathi wakho ephuma ekushintsheni. Lokhu kwenziwa ngomzamo wokuvimbela abantu ukuthi bangalahlekelwa ngokugcwele uma bekhohlwa ukubuyela ekushintsheni ukuze bakhethe uhlelo olusha.
Ukushintshaniswa kwe-state akuyona yonke into ebanjwe nale nqubo okwamanje, ngisho nokushintshaniswa kwe-federally-run (i-Healthcare.gov) kungenzeka ukuthi ayikwazi ukuyenza kuwo wonke amacala. Imithethonqubo ithe ngqo ukuthi i-FFE (exchange exchange-facilitated exchange) " izozama " ukwenza lokhu kwenzeke ngo-2017, kulandela umgomo ozama ukukhetha uhlelo olufana kakhulu nalokho okwakunakho kakade.
Uzothola isaziso esiphezulu kusuka ekushintshaneni kanye nomshuwalense wakho wezempilo ngokwezinto ongalindela ngo-2017. Uma ngabe umphathiswa wakho eshiya ukushintshaniswa noma uhlelo lwakho luyekwa, uzokwaziswa uma ngabe ukushintshaniswa kuhlela ukukufaka kumephu uhlelo olusha. Uzokwaziswa uma kungenjalo, futhi wazi ukuthi ukufakwa kwakho kuzoqeda ekupheleni kukaDisemba ngaphandle kokuthi ukhethe ngokugcwele uhlelo olusha. Ngakho-ke, uqaphelisisa izaziso ozithola kusuka ku-insurer yakho yezempilo kanye nokushintshaniswa.
Kubalulekile ukuqonda ukuthi noma ngabe ukushintshaniswa kusho ukuthi bazokufaka kuhlelo olusha uma uhlelo lwakho lwamanje luphela, usenayo inketho yokubuyela emuva ku-akhawunti yakho yokushintshanisa bese ukhetha uhlelo lwakho olusha ngo-2017 . Ungakwenza lokho noma nini kuze kube sekupheleni kukaJanuwari, kodwa uma ukhetha ukuhlela kwakho ngemuva kukaDisemba 15, ukufakwa kwakho okusha ngeke kuphumelele kuze kube ngoFebhuwari noma ngoMashi, futhi uhlelo lokushintshanisa okukhethwe ngalo lungase luqale ukusebenza ngoJanuwari 1 kuze kube yinini lapho ukukhetha kwakho kusebenza khona.
Kuthiwani uma ngiphuthelwa isikhathi esinqunyiwe sikaDisemba 15 futhi ukushintshaniswa akukona ukufaka ibalazwe ohlelweni olusha?
Uma uhlelo lwakho luphela ngomhla kaDisemba 31 (futhi lungasetshenziswanga ngokuzenzakalelayo ngecebo elisha) futhi ungaphuthelwa isikhathi sokugcina sokubhaliswa kukaDisemba 15 sokukhetha uhlelo olusha, kusengenzeka ukuthola usuku olusebenzayo lwe-Januwari 1, kodwa inqubo ingase ibe nzima . Ngenxa yokuthi uhlelo lwakho luphela, ufanelekela isikhathi sokubhalisa esikhethekile. Kodwa iqiniso lokuthi isikhathi sokubhalisa esikhethekile silingana nesikhathi esijwayelekile sokubhalisa sisho ukuthi ubuchwepheshe obuhilelekile kungenzeka ukuthi abusebenze kahle. Amasistimu wokubhalisa asethelwe ukubhaliswa jikelele okuvulekile okwamanje, kunokuba kube nezikhathi zokubhalisa ezikhethekile.
Futhi ngenkathi izikhathi eziningi zokubhalisa ezikhethekile zilandela izinsuku zokugcina ezifanayo kanye nezinsuku eziphumelelayo njengokubhalisa jikelele okuvulekile, akusiyo inkathi yokubhalisa okukhethekile okubangelwa ukulahlekelwa kwesinye isikhathi .
Uma ukulahlekelwa kokusabalalisa kubangela isikhathi esikhethekile sokubhalisa, uhlelo olusha lusebenza kahle ngenyanga yokuqala ngemva kwenyanga uma ubhalisa. Ngakho-ke umuntu ohlela uhlelo lwakhe ngoDisemba 31 angasebenzisa ngokusemthethweni ngoDisemba 31 futhi abe nomsebenzi osebenza kahle ngoJanuwari 1. Kodwa lokhu kungaba yinkambinkimbi enzima, futhi akufanele neze kube yinto ohlela ukuyenza. Nakulokhu - indlela engcono kakhulu yokubhalisela ukujoyina ohlelweni olusha ngoDisemba 15. Kodwa uma uhlelo lwakho luphela futhi ungaphutheli leso sikhathi esinqunyiwe, nansi okumele ukwenze:
- Thintana nomdayisi, ukushintshanisa kuhulumeni wakho, noma othintekayo osisebenzisayo uma ubhalisa ukushintshaniswa. Uzodinga usizo ngale nqubo, futhi uzofuna umzila wephepha uma kunezinhlobonhlobo.
- Qinisekisa ukuthi ukubhaliswa kwakho kuqediwe besebenzisa isikhathi sokubhalisa esikhethekile futhi akusiyo inkathi yokubhalisa jikelele evulekile (okuzofaka usuku lwakho olusebenzayo kuFebruwari 1 uma ubhalisa engxenyeni yesibili kaDisemba).
- Qaphela ukuthi ungadinga ukuqedela isicelo sephepha, njengoba abanye abathwali bengenalo ikhono lobuchwepheshe lokuvumela ukubhaliswa okhethekile oku-intanethi ukuthi kwenzeke ngesikhathi sokubhalisa okujwayelekile.
- Yilungele ukulibaziseka. Uma ubhalisa ngo-Disemba 31, kusobala ukuthi ngeke ube nekhadi lakho lamasha namakhadi we-ID ngoJanuwari 1. Ukukhokha kwakho kuzogcina kugcwaliswe futhi emuva kwesikhathi kuze kube nguJanuwari 1, kodwa uma udinga ukunakekelwa ngoJanuwari, kungadingeka ukhokhele phambili futhi ufune ukubuyiselwa imali evela kumphathi wakho womshuwalense wezempilo.
Ngokusobala, inkambo engcono kakhulu yokubhalisa ukubhalisa ngokusebenzisa imingcele yokubhalisa evulekile jikelele, bese uqeda ngoDisemba 15. Kodwa uma kwenzeka okuthile okuvimbela lokho, uzokwazi ukuthola ukuhanjiswa ngoJanuwari 1, naphezu kwezingodo ezimbalwa ukuze uzuze.
Kuthiwani uma ngifaka ngaphandle kokushintshaniswa?
Uma ngabe inkampani yakho yenethiwekhi iphuma emakethe ngokuphelele, ayikho ilungiselelo lokuthi noma ubani angakufaka kuhlelo olusha ngaphandle kokushintshaniswa.
Uma ngabe inkampani yakho yenethiwekhi ivele ivele ishiya uhlelo lwakho kodwa ingena esikhundleni sayo ngezinketho ezintsha, cishe izonikezela ukukushintshela ohlelweni olusha, ngaphandle kokuthi wenze lutho. Kodwa futhi, ukubheja kwakho okuhle ukukhetha ngokuhlelekile uhlelo lwakho olusha ngo-2017, noma ngabe umphatheli wakho ukhetha ukukukhetha.
Uhlelo olufanayo lokubhalisa oluvulekile lulandelwa ngaphandle kokushintshaniswa; ukukhethwa kwamalungiselelo ka-2017 kumele kugcwaliswe ngoJanuwari 31, futhi ukubhaliswa ngeke kutholakale emva kwalokho ngaphandle kokuba unomcimbi ofanelekayo .
> Imithombo:
> UMnyango wezeMpilo kanye nezinsizakalo zabasebenzi. Ukuvikelwa Kwabeziguli kanye noMthetho Wokunakekelwa Ongathintekiyo, Isaziso Sokuzuza Nezikhawulelo Zokukhokha ngo-2017.