Umshuwalense wesikhathi esifushane uyatholakala unyaka wonke, kodwa funda ukuphrinta okuhle
Ngaphandle kokubhalisa okuvulekile, ithuba lokuthenga amasha omuntu ngamunye noma ukushintsha kusuka kwelinye uhlelo kuya kwesinye kunciphile. Abantu abaningi badinga umcimbi ofanelekayo ukuze babhalise, nakuba amaMelika aseMelika angabhalisa unyaka wonke ohlelweni ngokusebenzisa ukushintshaniswa, futhi noma ubani ofanelekile we-Medicaid noma i-CHIP angabhalisa nganoma yisiphi isikhathi phakathi nonyaka.
Amathuba okubhalisa okulinganiselwe emakethe ngayinye asebenza kokubili nokuvala ukushintshaniswa.
Kodwa kusekhona izinhlobo ezithile zokuhlanganisa ezitholakalayo unyaka wonke. Izinhlelo ezingalawulwa yi-ACA zingathengwa nganoma isiphi isikhathi, futhi zivame ukungabizi kakhulu uma ziqhathaniswa nokuhlinzekwa kwezokwelapha ezinkulu ze-ACA. Kodwa kubalulekile ukuqaphela ukuphrinta okuhle uma ucabangela uhlelo olungelona i-ACA-oluvumelanisiwe.
Yiziphi izinhlelo ze-Non-ACA-Compliant?
Izinhlelo ezingavumelekile zibandakanya izinhlelo ezibucayi zokugula (ie, uhlelo olunikeza izinzuzo uma uthola ukuthi unesifo esithile), izinhlelo ezithile zokuhlomula ezilinganiselwe, izithako zengozi (ie, izinhlelo ezikhokha imali encane uma ulimele engozini), izinhlelo zamazinyo / imibono (ukutholakala kwamazinyo okubeletha izingane kulawulwa yi-ACA, kodwa ukutholakala kwamazinyo omdala akukhona), nomshuwalense wezempilo wesikhashana.
Iningi lalezi zinketho zokukhangisa azikaze zenzelwe ukukhonza njengezimele-zazihloswe ukuba zisekele ohlelweni olukhulu lwempilo yomshwalense wezempilo.
Ngakho umuntu one-deductible ephakeme angase akhethe futhi abe ne-supplement yengozi eyokwenzela yona uma kwenzeka ukulimala-kodwa ukwesekwa kwengozi ngokwayo kungakufaneleke ngokuphelele uma kuthengwa njengomuntu kuphela.
Incazelo ethi "Isikhathi Esifishane" Ishintshile, Futhi Ngokuqinisekile Iyoshintsha Futhi
Umshuwalense wesikhathi esifushane uklanyelwe ukuthi usebenze njengendlela yokumisa yodwa, kungakhathaliseki isikhathi esifushane.
Ngaphambi kuka-2017, umshuwalense wesikhathi esifushane wachazwa uhulumeni wesifundazwe njengenqubomgomo enesikhathi esingakapheli izinsuku ezingama-364, nakuba ezinye izifunda zilinganiselwe ezinyangeni eziyisithupha, futhi iningi lamapulani atholakala kulo lonke izwe athengiswa ngezinga eliphezulu ubude bezinyanga eziyisithupha.
Kodwa ngo-2017, izinhlelo zesikhathi esifushane zitholakala kuphela isikhathi esingangezinyanga ezintathu. Lokhu kubangelwa yimithethonqubo i- HHS yaqedwa ngasekupheleni kuka-2016, ngokuqiniswa kusukela ngo-Ephreli 2017 (izinhlelo zesikhathi esifushane ezaqala ukusebenza ngaphambi kuka-Ephreli 2017 zavunyelwa ukuba zigcine kuze kube sekupheleni kuka-2017, noma usuku oludlule olunikezwe umshwalense).
Noma kunjalo, imithetho ingase ishintshe futhi ngaphansi kwe-Trump Administration. Ngo-Okthoba 2017, uMongameli uTrump wasayina i-oda elihle eliqondisa izinhlaka ezehlukene zikahulumeni ukuba "zicabangele ukuphakamisa imithetho noma ukubuyekezwa, ngokuhambisana nomthetho, ukwandisa ukutholakala" komshwalense wezempilo wesikhashana. Okulindelekile ukuthi ama-ejensi azophakamisa imithetho ukuze babuyele kuncazelo yangaphambili yomshuwalense wesikhashana, okuvumela izinhlelo zibe nezinsuku ezingafika ku-364.
Kuzothatha isikhashana ukuthi lokhu kwenzeke, kepha-ke, njengoba ama-ejenti azodinga ukuhamba ngenqubo evamile yokubhala imithethonqubo nokuvumela isikhathi sokuphawula somphakathi kubo.
Futhi uthi uzobe esenayo isisho sokugcina ngokuvumelana nalokho okuvunyelwe kuhulumeni ngamunye. Amazwe ambalwa avimbela izinhlelo zesikhashana esifushane, futhi cishe uzoqhubeka enza kanjalo. Futhi ithi izinhlelo ezingakapheli isikhathi esifushane ezingakapheli izinyanga eziyisithupha esikhathini eside nazo zingase zigcine leyo mithetho endaweni uma ngabe uhulumeni wesifundazwe ebuyela ekuchazeni kwayo kwangaphambilini yomshuwalense wesikhashana.
Yini Engidinga Ukuyazi Ngezikhathi Zesikhashana?
Ngenxa yemingcele eminingi (echazwe ngezansi), umshuwalense wezempilo wesikhathi esifushane awubiza kakhulu kunomshwalense wezempilo wezokwelapha omkhulu.
Futhi nakuba umshuwalense wesikhathi esifushane awutholakali kuzo zonke izifundazwe, utholakala ukuthenga unyaka wonke, ngaphandle kwesikhathi sokubhalisa okuqondile, emazweni amaningi.
Kodwa umshuwalense wesikhathi esifushane awulawulwa yi-ACA. Ngenxa yalokho, kunezinto eziningana okufanele uziqaphele ukuthi ucabangela ukuthenga i-short-term plan:
- Izinhlelo ezincane zesikhathi esifanele akudingeki zimboze izinzuzo eziyishumi zezempilo ezidingekayo ze-ACA. Izinhlelo eziningi ezincane zesikhathi esifushane azihlanganisi ukunakekelwa kokubeletha, impilo yokuziphatha, noma ukunakekelwa kokuvikela.
- Amapulani wesikhathi esifushane asenayo ama-maxum emihlomulo , ngisho nezinsizakalo ezithathwa njengezinzuzo zezempilo ezibalulekile ngaphansi kwe-ACA.
- Amapulani wesikhathi esifushane asebenzise ukubhala phansi kwezokwelapha, futhi ungabhubhisi izimo ezikhona ngaphambili. Isicelo sisabuka ngomlando wezezokwelapha ukuze kunqume ukufaneleka kokuthola. Futhi nakuba uhlu lwemibuzo yezokwelapha ngesicelo somshuwalense wesikhashana lufushane kunalolu hlu lwemibuzo eyayisetshenziselwa ukufaka isicelo somshuwalense omkhulu osezingeni elivamile ngaphambi kuka-2014, izinqubomgomo zesikhathi esifushane ziza nokukhishwa kwengubo kubo bonke -izimo ezikhona.
- Amapulani wesikhathi esifushane awabhekwa njengobuncane bokubaluleka okubalulekile, okusho ukuthi abantu abathembela kubo bahambisana nesigwebo se - ACA sokungaqinisekisiwe , ngaphandle uma bengenasikhathi esikukhokhayo (futhi inothi ukuthi inhlawulo iphezulu kakhulu manje ngo-2014 no-2015).
- Ngenxa yokuthi ababhekwa njengobuncane bokubaluleka okubalulekile, ukuqedwa kwepulani yesikhathi esifushane akuyona into efanelekayo . Ngakho-ke uma uhlelo lwakho lwesikhashana luphela phakathi nonyaka futhi awufanelekile ukuthenga elinye uhlelo lesikhathi esifushane (okungaba njalo uma usungula isimo esibucayi esasikhona ngesikhathi uhlanganiswa ngaphansi kohlelo lokuqala lwesikhathi esifushane), ngeke ube nethuba lokubhalisa ohlelweni lomshuwalense wezempilo njalo kuze kufike ukubhalisa okuvulekile.
- Ungaba necebo lesikhathi esifushane kuphela isikhathi esinganiselwe. Futhi ngenkathi uzothola ithuba lokuthenga elinye icebo lesikhathi esifushane lapho kuqala kuphelelwa yisikhathi, kubalulekile ukuqonda ukuthi uqala ngenqubomgomo entsha, kunokuba uqhubeke nalowo owawunakho ngaphambili. Lokhu kusho ukuthi uzotholakala ngaphansi kokubhaliswa kwezokwelapha futhi uma ubhalisa ohlelweni lwesibili, futhi noma yiziphi izimo ezandulele ezivele zikhona ngenkathi uqinisekisiwe ohlelweni lokuqala ngeke zihlanganiswe ngaphansi kwepulani lesibili.
Lokho kusho ukuthi kunezimo ezithile lapho uhlelo lwesikhathi esifushane lunengqondo. Futhi iqiniso lokuthi zingathengwa nganoma yisiphi isikhathi kulo nyaka ngokuqinisekile kunenzuzo kwabanye abafake izicelo:
- Uma udinga kuphela ukuthunyelwa kwenyanga eyodwa noma ezimbili, futhi wazi ukuthi unomsebenzi omusha ohlanganisiwe ekupheleni kwalesi sikhathi, uhlelo olude lwesikhashana lungaba yisisombululo esihle. Isijeziso se-ACA sokungaqinisekisiwe asisebenzisi igebe elilodwa elifushane ekubanjweni phakathi nonyaka, uma nje kungaphansi kwezinyanga ezintathu ubude (igebe lezinyanga ezintathu lihambisana nenhlawulo, noma kunjalo). Uma igebe lakho elizofakwa kuzo lizoqhubeka ezinyangeni ezintathu noma ngaphezulu, uhlelo olude lwesikhashana lungase lube yisinqumo esihle (ukucabanga ukuthi izinhlelo zesikhathi esifushane ziphinde zavunyelwa ukuba zibe nezinyanga ezingaphezu kwezinyanga ezintathu), kodwa uzodinga ukubheka ngezindleko zesigwebo ngaphezu kwezindleko zecebo lesikhashana.
- Uma ukhululekile ekujezisweni kwe-ACA ngenxa yokuthi ayikho izinhlelo zezempilo ezithengekayo ekushintsheni (ngo-2018, ukuthengwa okungabizi kuyachazwa ngokuthi uyihlelo elibiza imali engaphansi kwezingu- 8.05 zeholo lakho lomndeni, emva kwanoma yiziphi izinsizakalo ze-premium ezifanele asetshenzisiwe), uhlelo olufushane lwesikhashana lungase libe yikhambi lesikhashana. Emazweni lapho umshuwalense wezempilo obiza kakhulu, abantu abangafanelanga ukukhokhelwa ngezimali ze-premium ngezinye izikhathi bathola ukuthi uhlelo lwezempilo lwe-ACA oluvumelanako lusidla isikhwama esikhulu semali yabo yonyaka. Uma ungaphansi kwalesi simo futhi ungeke ukwazi ukuthenga umshuwalense wezempilo futhi ungapheli uninsured (ngaphandle kwesijeziso, ucabanga ukuthi akukho izinhlelo zokushintshanisa ezitholakalayo ezingaba zingaphansi kuka-8.05% wemali engenayo ngo-2018), okuncane Uhlelo lwe -terter lungcono kunokungaqiniseki, naphezu kokuthi kuyisixazululo sesikhashana.
- Uma unempilo, ukubhalwa phansi kwezempilo okwesikhashana nesimo esandulele esikhombisweni ngeke kube yinkinga. Kodwa khumbula ukuthi ukufaneleka kwakho ukuthenga uhlelo lwesibili lesikhathi esifushane uma ukuphela kokuphela kuphezu kokuhlala unempilo.
> Imithombo:
> UMnyango Wezabasebenzi, uMnyango Wezezimali, uMnyango WezeMpilo kanye Nezisebenzi Zabantu. Izinzuzo ezingeziwe; Imingcele yokuphila kanye nonyaka; kanye Nomshuwalense Wesikhathi Esifishane Nesikhathi Esincane . Okthoba 2016.
> Isevisi yangaphakathi yeNgeniso. Inqubo Yokuthola Imali 2017-36 .
> WhiteHouse.gov. I-oda elihle likaMengameli likhuthaza ukukhethwa kwezempilo kanye nokuncintisana phakathi kwe-United States. Okthoba 12, 2017.