Abantu abaningi abenza ukukhwabanisa kokholo emisebenzini yokwabelana ngezempilo
I-Care Affordable Act iye yacela iningi labantu baseMelika ukuthi ligcine ukugcinwa komshuwalense wezempilo kusukela ngoJanuwari 2014. Lokhu kuyaziwa ngokuthi ukuhlinzekwa komthwalo wemfanelo okwabelwana ngawo noma ukugunyazwa ngabanye, futhi kuqinisekiswe inkokhelo yentela okulindeleke ukuba ibe ngu-$ 1,000 ngemindeni engaqinisekisiwe ka-2016 (izinhlawulo ngenxa yokungaqinisekisiwe ngo-2016 izohlolwa ekuqaleni kuka-2017 lapho kukhishwa intela yentela ka-2016).
Kodwa kukhona uhlu olude lokukhululwa kwegunya lika-ACA ngabanye . Omunye wabo utholakala kubantu abangamalungu enkonzo yokwabelana ngezempilo (HCSM) ekhona futhi ehlanganyela ngokuqhubekayo izindleko zokunakekelwa kwempilo kwamalungu kusukela okungenani ngo-December 31, 1999.
Izidingo ze-ACA ze-HCSM zichazwe ekhasini 148 lombhalo womthetho (Isigaba 1501) . I-HSCM kumele iqhubeke nokufaka amalungu ngemuva kokugula, futhi kufanele ibe nokuhlolwa kwaminyaka yonke eyenziwa yi-accounting firm. Futhi amalungu e-HCSM kufanele " ahlanganyele isethi evamile yezinkolelo zokuziphatha noma zenkolo futhi ahlanganyele izindleko zezokwelapha phakathi kwamalungu ngokuvumelana nalezo zinkolelo ."
Kusukela ngo-2014, kwakukhona ama-HCSM angu-53 ayeqinisekisiwe nguhulumeni wesifundazwe, futhi amalungu awo akhululekile ekuhlinzekeni komsebenzi okwabelwana ngawo nge-ACA. Ama-HCSM amaningi aqinisekisiwe aqhutshwa ngamasonto amancane ama-Amish namaMennonite, futhi anamalungu angaphansi kuka-100 (inothi ukuthi ukukhululwa kwe-ACA kwezenkolo ezihlukile - okuhlukile kokukhululwa kwe-HCSM - kusebenza nakumabandla aseMamonite ase- Amish nase-Old Order ) .
Kodwa kunezinhlobo eziningi ze-HCSM, futhi ubulungu obuphelele bukhule kusukela kubantu abangaba ngu-110 000 ngo-2010 kuya kubantu abangaba ngu-530,000 ekuqaleni kuka-2016. Izici eziningana zilandisa ngokukhula, kufaka phakathi nesifiso samaKristu sokugwema izinhlelo zezempilo ezihlanganisa izinsizakalo ezifana nokukhulelwa nokukhulelwa, futhi ukhethe esikhundleni sezinhlelo ezihlanganyela izindleko zokunakekelwa kwezempilo namanye amaKristu ngendlela engaphezulu.
Ngaphezu kwalokho, ukujoyina i-HCSM kuvame ukubiza kakhulu kunezinkokhelo zomshuwalense wezempilo, nakuba lokho kuhluka kakhulu kuye ngokuthi ngabe umkhaya uyakufanelekela yini ukukhokhelwa kwe-premium empilweni yomshuwalense wezempilo.
Uma ucabangela ukwehla umshuwalense wakho wezempilo ngokubambisana kwe-HCSM, nansi okudingeka ukwazi:
- I-HCSM ayilona umshuwalense wezempilo, futhi ayizi ukuqinisekiswa, izigunyaziso, nokuvikelwa kwabathengi okujwayelekile kumacebo omshuwalense wezempilo. Ngokombiko we-Alliance of Health Care Sharing Ministries, izifunda ezingu-30 " ziqaphele ngokucacile uhlobo lokukhonza kwezempilo ezihlanganisweni zabo zombuso futhi zicacise ukuthi amakhodi omshwalense wombuso awasebenzi kuma-ministries noma abahlanganyeli bawo ." Ngamanye amazwi, imithetho yomshuwalense kanye nomthethonqubo kulawo mazwe ayisebenzi kumaHCSM, futhi umnyango womshuwalense wombuso ngeke ukwazi ukungenelela egameni lelungu uma kuphakama izinkinga.
- Kodwa-ke, ama-HCSM angama-501 (c) (3) okusizayo, ngakho alawulwa yi-Internal Revenue Service kanye nabameli bombuso jikelele.
- Ama-HCSM akudingeki alandele imithetho ye-ACA. Lokhu kusho ukuthi akudingeki ukumboza izinzuzo zezempilo ezibalulekile, zingenza (futhi zenze) zingabandakanyi izimo ezikhona ngaphambili, futhi zingenza (futhi zenze) zibeke izinhlamvu zokuzuza zonyaka nonyaka .
- Kukhona ukukhathazeka ukuthi ama-HCSM anganciphisa ukuzinza kwamachibi empilo yomshuwalense wezempilo njalo. Kungenxa yokuthi ama-HCSM avame ukuheha ababhalisile abanempilo ngoba bengabhubhisi izimo ezikhona ngaphambili. Babuye badinga amalungu ukuba agweme izinto ezifana nobulili ngaphandle komshado, ukusetshenziswa kwegwayi, izidakamizwa ezingekho emthethweni, nokusebenzisa kabi utshwala, okusiza ekuthuthukiseni impilo yonke yobulungu bayo. Kodwa ngokuzenzakalelayo, lokho kuholela echibini eliyingozi elingenasiphelo jikelele lemiphakamiso yomshuwalense wezempilo, futhi ekugcineni, amaphrimiyamu aphezulu.
- Ama-HCSM anganqaba ukwabelana ngezimangalo ezibangelwa ukuziphatha okuvinjelwe. Ngakho owesifazane okhulelwe ongashadile ngeke abe nemfanelo yezinzuzo zokubeletha, futhi izinto ezinjengokwelashwa kokusebenzisa utshwala noma izidakamizwa ngeke zabiwe namanye amalungu.
- Uma uqeda ukudinga ukunakekelwa kwempilo okungahlanganiswa ne-HCSM yakho, noma uma izikweletu zakho zingaphezu kwezingqikithi zokwabelana ezibekwa yi-HCSM yakho, kuzodingeka ulinde kuze kube yisikhathi sokubhalisa esilandelayo sokubhalisela uhlelo lwezempilo lwe-ACA, ngaphandle unomcimbi ofanelekayo .
- Ama-HCSM angaba namanethiwekhi we-PPO (amalungu azoba nemithwalo yemali eyengeziwe uma ephuma ngaphandle kwenethiwekhi), noma angabelana ngezindleko zamalungu kungakhathaliseki ukuthi ziyini ukusetshenziswa odokotela nezibhedlela - kuxhomeke ku-HCSM.
- Uma ungumalungu we-HCSM, akudingeki ukhokhele inhlawulo ye-ACA ngokungavunyelwe, futhi uzosebenzisa Ifomu 8965 ukukhombisa lokhu uma ufaka ukubuyiswa kwentela yakho. Ifomu inezinhlangothi ezimbili - ingxenye ephezulu yilapho ubeka khona ukukhululwa okunikezwa yi-exchange kuhulumeni wakho, futhi ingxenye engezansi lapho ubeka khona ukukhululwa okuvela ku-IRS uma ufaka ukubuya kwakho. Ukukhululwa kwamalungu e-HCSM kuyatholakala ngezindlela zombili:
- Ukuze uthole ukukhishwa kokushintshaniswa, thintana nokushintshaniswa esifundazweni sakho (uma ungomunye walaba abangu-38 uthi usebenzisa i-Healthcare.gov, lokhu kuyifomu lokucela ukukhululwa ozolisebenzisa). Uzosebenzisa inombolo yesitifiketi sokukhululwa oyitholayo kusuka ekushintsheni ukuze ugcwalise ingxenye ephezulu yeFomu 8965.
- Ukuze ucele ukukhululwa uma ufaka ukubuyela kwentela yakho, uzosebenzisa ingxenye engezansi yeFomu 8965, bese ufaka ikhodi "D" kukholomu "uhlobo lokukhululwa". Uma ungaqiniseki ukuthi ubulungu bakho buba yilowo oyokukhulula ekujezisweni komuntu ngamunye we-ACA, xhumana ne-HCSM yakho ngeminye imininingwane (uma isibonelo, i-HCSM yakho ayizange isebenze kusukela okungenani ngo-December 31, 1999, wena 'D usenomthwalo wokukhokha isijeziso somuntu ngamunye uma ungenayo enye indlela yobunikazi obudingekayo obuncane).
Ukuziphendulela : Lesi sihloko senzelwe ulwazi jikelele jikelele, futhi akuhlosiwe ukunikeza iseluleko sentela. Xhumana nomeluleki wentela ngaphambi kokumangalelwa kwe-HCSM kwisigwebo somuntu ngamunye.