Nakhu okudingeka ukwazi uma uhlelo lwakho oluhle luphela
Ngenkathi uMthetho Wokunakekelwa Onganakekelwa Ungenele waba ngumthetho ngo-2010, wawudinga ukuguqulwa okuphawulekayo kwemithethonqubo yomshuwalense wezempilo ngabanye nabancane, ngokuningi kwezinguquko ezithinta ukusebenza ngo-2014. Kodwa umthetho wawubandakanya ilungiselelo lokulondoloza umuntu ngamunye izinhlelo zamacembu amancane ayevele esebenzayo kusukela ngo-Mashi 23, 2010, lapho i-ACA isungulwa khona.
Lezi zinhlelo zithandwa kakhulu (okungafani nezingane ezinkulu) futhi ziyavunyelwa ukuba zihlale zikhona kuze kube nini nanini, uma nje izinhlelo zihlala zingashintshi futhi zinganciphisi kakhulu izinzuzo noma izindleko zokwandisa (inothi ukuthi lokhu kusho izindleko eziphakeme izinsizakalo zokunakekelwa kwezempilo; izinkokhelo ezikhulile yedwa azizobangela ukuthi uhlelo lwezempilo lulahlekelwe isimo esikhulu kakhulu).
Ukucacisa, uhlelo oluhle lweqembu elincane olumelwe luqashwe ngumqashi kusukela ngo-Mashi 23, 2010 - abasebenzi abasha bangakwazi ukungenelelwa kumapulani amakhulu asekhona, kodwa abaqashi abakwazi ukuthenga izinhlelo eziningi kusukela ku-ACA ingene ngemvume umthetho.
Uhlelo olulodwa lwabazali ngabanye olwaluthengiwe ngabanye kusukela ngo-Mashi 23, 2010 - akekho oye wakwazi ukuthenga uhlelo olulodwa lwabantu abaningi kusukela ngo-Mashi 23, 2010, nakuba abantu abatsha abancikeyo bengakwazi ukungenelelwa kumalungiselelo amakhulu (ngakho uma unenhlelo lomuntu ngamunye futhi unomntwana, unganezela umntwana ohlelweni lwakho).
Uma uhlelo lwakho lwezempilo luzala, unenketho yokuyigcina kuze kube phakade. Kodwa kuphela uma umshuwalense wakho wempilo yomshuwalense eqhubeka nokunikela. Akukho ukuhlinzekwa ku-ACA okudinga ukuthi abahlinzeki bempilo baqhubeke nokunikeza uhlelo oluthile, noma ukuqhubeka nokunikeza noma yikuphi ukukhokhelwa nhlobo, ngaleyo ndaba.
Kungani umphathi womshuwalense uzophela amapulani amakhulu?
Emakethe ngayinye ngaphambi kuka-2014, umshuwalense wezempilo wawubhalwe phansi kwezokwelapha kuwo wonke amahlanu kodwa athi . Ngakho-ke abantu abanobukhulu bomuntu ngabanye emazweni amaningi bangabantu abanempilo enhle kakhulu uma behlelwa izinhlelo zabo. Kodwa njengoba isikhathi sidlula, ukubhala phansi kwezokwelapha "kuhamba," ngoba izimo zezempilo ziqala ukukhula emphakathini owawuphephile ngaphambili.
Futhi njengoba akekho oye wakwazi ukuthenga izinhlelo eziningi kusukela ngo-2010, amachibi amabizo kulawo mapulani aye kancane kancane ngobukhulu eminyakeni eyisithupha edlule. Abantu bangaphonsa izinhlelo zabo eziningi bese beshintshela kwezinye izinto, kepha akekho okwazi ukujoyina amapulani ngaphandle kokuthi amalungu akhona athole abaxhomekile abasha.
Njengoba izinhlelo zezempilo ezithandwa kakhulu ziqinisekisa amalungu ambalwa, ukwanda kwezindleko zabo zokulawulwa kwamalungu ngamunye. Kwabanye bomshuwalense, amacebo amakhulu akasazuzi noma awusalutho oluhle nomklamo wabo webhizinisi jikelele. Uma kunjalo, inkampani yomshuwalense ingakhetha ukuqeda izinhlelo eziningi.
U-Humana ophetha izinhlelo eziningi ezineminyaka engu-11
UHumana unikeza umshuwalense wezempilo ngamunye emazweni angu-22. Umthumeli wamemezela ngoDisemba ukuthi bazoqeda izinhlelo eziningi zempilo ezizimele ezizimele ezingu-11 ngo-2016: I-Alabama, i-Arizona, iColorado, iFlorida, i-Georgia, i-Mississippi, i-Ohio, i-Oklahoma, i-Carolina, i-Tennessee ne-Wisconsin (izinhlelo ezinamaqembu amancane azithintekile leli phuzu).
Ukuqedwa kohlelo kuzoqala ngoMashi 1, futhi kuzosebenza njengosuku lokuvuselela uhlelo - ngakho-ke uma uhlelo lwakho lwe-Humana oluzuze kakhulu lunosuku lokuvuselela ngo-Agasti 1, ungagcina uhlelo lwakho ngasekupheleni kukaJulayi.
Uhlelo lwami oluthile luphela ... yini engidinga ukuyenza?
Ukuze kuqedwe izinhlelo ezinhle zempilo, umphathiswa kumele azise ama-insureds okungenani angu-90 athi kusengaphambili usuku lokuphela - ngakho-ke kuyoba nesikhathi sokuhlela phambili. Futhi othintekayo wakho kufanele futhi akutshele ukuthi unezinketho ngokufaka esikhundleni secebo lakho. Inkampani yenethiwekhi yakho inganikela ekushintsheni kwenye yezinhlelo zayo ezihambisana ne-ACA, kodwa uzokwazi futhi ukuthenga phakathi kwanoma yiziphi izinhlelo ezihlinzekwa yinoma yimuphi umthengisi womshuwalense wezempilo endaweni yakho.
Uma uhlelo lwakho oluningi luphela, kubalulekile ukuqonda ukuthi izinkathi zokubhalisa ezikhethekile ze-ACA zisebenza kanjani. Ukulahlekelwa kokuqashwa kuyisenzakalo esifanelekayo esibangela isikhathi sokubhalisa esikhethekile .
Isikhathi sakho sokubhalisa esikhethekile sizoqala izinsuku ezingu-60 ngaphambi kosuku usuku lwakho luphela ngalo, futhi luzoqhubeka izinsuku ezingu-60 ngemuva kwalokho. Futhi isikhathi sokubhalisa esikhethekile sisebenza kokubili futhi sivala ukushintshaniswa.
Isibonelo, uma uhlelo lwakho luhlelelwe ukuphela ngoJulayi 31, uzothola isaziso mayelana nokuqedwa ekuqaleni kukaMeyi, kanti isikhathi sakho sokubhalisa esikhethekile sizogijima kusukela ngoJuni kuya kuSeptemba. Uma ubhalisa ohlelweni olusha ezinsukwini ezingu-60 ngaphambi kokulahlekelwa kokusabalalisa, uhlelo lwakho olusha luzosebenza ngenyanga yokuqala ngemuva kokuqedwa kohlelo lwakho lokudala. Ngakho-ke uma uhlelo lwakho luphela ngoJulayi 31, ungabhalisa ohlelweni olusha ngoJuni noma ngoJulayi - ngasekupheleni kukaJulayi 31 - futhi uhlelo lwakho olusha luzosebenza ngo-Agasti 1, kungekho gap ekubonweni.
Uma ubhalisa ohlelweni olusha phakathi nezinsuku ezingu-60 ngemuva kokuthi i-plan yakho endala iphelile, uzoba nekhasi lokufaka okungenani inyanga, ngoba akukho ukuhlinzekwa okuvumela ukuthi izinhlelo zihlelelwe emuva kuleso simo (okungukuthi, uma ubhalisa NgoJulayi 1, uhlelo lwakho olusha ngeke lusebenze kuze kufike ku-Agasti 1).
I-ACA ihlanganisa inhlawulo yentela yokungaqinisekisiwe, kodwa ayikho inhlawulo yekhasi elilodwa elifushane ekubhekisweni kwonyaka, uma nje kungaphansi kwezinyanga ezintathu ubude. Ngakho uma ungaqinisekisiwe isikhathi esisodwa noma ezimbili ngenkathi ulindele uhlelo lwakho olusha ukuthi lusebenze, ngeke uphinde uhlaselwe i-IRS, ucabanga ukuthi unomsebenzi owedlule kulo lonke unyaka. Kodwa ungenakho umshuwalense wezempilo ngaleso sikhathi, futhi kufanele ukhokhele izikweletu zakho zokwelapha uma kwenzeka isimo esiphuthumayo.
Uhlelo olusha luzohluka kanjani ohlelweni lwami oluthile?
Amacebo omkhulu kufanele ahambisane nezici ezimbalwa ze-ACA, ngakho-ke uhlelo lwakho olusha luyoba nokuvikeleka kwabathengi abaqine kakhulu. Futhi uma ufaneleka ukuthola izinsizakalo ze-premium, kungase kube kubize futhi. Ngakolunye uhlangothi, uma ungakufanelekeli izinsizakalo ze-premium, uhlelo lwakho olusha lungagcina lubiza kakhulu kunecebo lakho elikhulu.
Izinhlelo zezempilo ezithandwa ngabanye ngeke zisaba nezinsizakalo zokuzuza impilo yonke (nakuba zingasenayo ama-maximum maximums). Kumele futhi avumele izingane ezincane ezindala ukuba zihlale ohlelweni lwezempilo lomzali kuze kube yiminyaka engu-26, futhi kumele zisebenzise ama-premium angama-80% ekunakekelweni kwezokwelapha.
Kodwa izinhlelo eziningi azidingeki ukumboza izinzuzo zezempilo ze-ACA ezibalulekile, futhi akudingeki zimboze izimo zangaphambili. Ngakho-ke uma uhlelo lwakho lungabandakanyi izimo ezikhona ngaphambili noma ngabekwa icala eliphezulu ngokusekelwe emlandweni wakho wezokwelapha lapho uthenge le plan, lezo zici zalolu hlelo akudingeki zishintshe ngenxa ye-ACA.
Uma ushintsha kuhlelo olusha - noma ngokushintshanisa noma ukushintshaniswa-uzothola ukuthi ukutholakala okusha kubonakala sengathi kunezinzuzo eziningi, kufaka phakathi izinto ezinjengokunakekelwa kokubeletha, izidakamizwa zemithi, nokunakekelwa kwezempilo yengqondo. Futhi ukuhlanganisa kuzoba okuqinisekisiwe-kungakhathaliseki umlando wakho wezokwelapha.
Amapulani amakhulu abuye awafanelekele ukukhipha intela ye-premium ye-ACA (izinsizakalo), ngakho-ke ama-insureds akhokhela izindleko ezigcwele zokufakwa kwabo ngaphansi kwepulani elikhulu. Uma uhlelo oluhle lwazo luphela, ungathola ukuthi ufanelekile ukuthola izinsizakalo ze-premium uma imali yakho yekhaya ingekho ngaphezu kwezingu-400% zezinga lobuphofu, okwamanje u-$ 47,080 kumuntu oyedwa, no-$ 97,000 emndenini wezine ( imihlahlandlela yezinga lobuphofu ka-2015 izoqhubeka isetshenziselwa ukukhokhela ukukhokhelwa ukukhokhelwa kuze kube yilapho isikhathi sokubhalisa esivulekile sika-2017 siqala ekupheleni kuka-2016, nakuba ukufaneleka kukaMedicaid / CHIP manje kusekelwe emihlahlandleleni yezinga lobuphofu ngo-2016).
Ngifanele kuphi ukuthola uhlelo lwami lokubuyisela?
Phakathi nesikhathi sakho sokubhalisa esikhethekile, ungathenga ekushintsheni, noma ungaya ngqo kumphathi womshuwalense wezempilo bese uthenga uhlelo. Kodwa uma ufanelekile ukuthola izinsizakalo ze-premium - noma uma kukhona ithuba lokuthi imali yakho engenayo ingase iyancipha kamuva ngonyaka bese yenza ukuthi uvumeleke ngalesosikhathi - qiniseka ukuthenga uhlelo lwakho lokubuyisela ekushintsheni. Izinsizakalo ze-Premium azitholakali ngaphandle kokushintshaniswa, futhi azikwazi ukufunwa kamuva ekubuyiselweni kwentela uma uthenge uhlelo lwakho lwezempilo ngaphandle kokushintshaniswa.
Uma uhlelo lwakho oluhle luphelile futhi ungaqiniseki ngendlela engcono kakhulu yokuyifaka esikhundleni sakho, funa usizo. Abathengi nabagibeli bahamba kuyo yonke imiphakathi, futhi intengo yecebo lakho izoba yinto enjalo kungakhathaliseki ukuthi unesizo ekukhethweni kwepulani nenqubo yokubhalisa.