Izinsuku Ezintsha, Ukukhangisa Kuncishisiwe, Nokusizwa Okubhalisiwe Ukubhaliswa
Vula ukubhaliswa kwe-2018 ukuthengiswa komakethe ngamunye-kokubili kokushintshaniswa nokuyeka ukushintshaniswa- ngebeku-1 Novemba, 2017 futhi kwaphela ngemva kwamasonto ayisithupha kamuva ngo-Disemba 15, emazweni amaningi.
Lokhu kufushane kakhulu kunokubhalisa okuvulekile kube eminyakeni eyedlule, futhi isigamu isikhathi eside njengokubhalisa okuvulekile okuhlelwe ekuqaleni ukusebenza kulo nyaka. Yisikhathi sokuqala sokubhalisa okuvulekile ngaphambi kokuqala konyaka omusha.
Kukhona izinguquko ezihlukahlukene kanye nezinto okufanele ziqaphele ngalesi sikhathi sesihlanu sokubhalisa okuvulekile. Futhi umyalo omkhulu wokuthi uMongameli Trump wasayina ngo-Okthoba 12 futhi ukuqedwa kwezimali zokunciphisa izindleko kuye kwanezela ekudidekeni okuye kwashaya ushintsho lokunakekelwa kwempilo ngo-2017.
Kodwa umyalo olawulayo uqondisa izinhlangano ezihlukahlukene zikahulumeni ukuba zenze izincomo zenguquko ezingasetshenziswa ukufeza imigomo yokuPhatha kweTrump. Awukho umphumela ngokushesha, futhi kuze kube sekubhaleni okuvulekile kokusabalalisa kwe-2018, akukho lutho olushintshiwe nge-oda eliphezulu.
Ukuqedwa kwemali yokunciphisa izindleko kusho ukuthi ama-premium azoba ngaphezulu kunokuba angase abe ngo-2018 , nakuba umthelela emazweni amaningi kuzoba ngamasu esiliva, futhi uzokwenyuswa yizinsizakalo ezinkulu ze-premium ezibhalisiwe, okuholela ekunciphiseni ama-premiums emva kwenkxaso yabantu abaningi, uma kuqhathaniswa nalokho abakhokha ngo-2017.
Abathengi kwakudingeka baqhathanise ngokucophelela izinketho ezitholakalayo ngesikhathi sokubhalisa okuvulekile, kodwa izinzuzo zokunciphisa izindleko zokuhlala ziqhubeka zitholakala kubo bonke ababhalisile abafanelekayo ngo-2018.
Bhalisa ku-Healthcare.gov
Izinguquko zebhajethi
Ngaphandle kwesikhathi esifushane sokubhalisa, i-Trump Administration ihlehlise imali yokufinyelela nokukhangisa kwe-HealthCare.gov, okwenza kube nokukhangisa okuncane kakhulu kokushintshaniswa kanye nabasizi abancinci kubantu abazosiza abantu ukuba babhalise.
Ukuhlaziywa kweClose California kuthola ukuthi imali eyancishisiwe yayingabangela ukuba ababhalisile abangamabhiliyoni ayisithupha e-HealthCare.gov bathi ngo-2018 (ekugcineni, ukubhaliswa kwaphela ku-8.7 million ku-HealthCare.gov kusho, kusukela ngaphansi kwezigidi ezingu-9.2 ngonyaka ngaphambili). Futhi njengoba kungabhalisile abangcono kunazo zonke abangase bayeke ukubhalisa, ama-premium azoqhubeka nokuphakama ukuze ahlanganise igumbi labantu abagulayo.
UMnyango WezeMpilo WezeMpilo waseMelika (HHS) uchitha imali eyizigidi eziyizigidi ezingu-10 kuphela ekuthengiseni i-HealthCare.gov lokhu kwehla, kusukela ku-$ 100 million ngonyaka odlule. Ngombono, iCalifornia-ene-exchange yayo siqu-yayihlela ukuchitha u-$ 111.5 million-ngaphezu kwezikhathi eziphindwe izikhathi ezingu-11 njengoba iHHS izoyisebenzisa ekudayiseni i-HealthCare.gov, naphezu kokuthi i-HealthCare.gov yabhalisa abantu ababalelwa kasithupha ngo-2017 njengoba kuhlanganisiwe uCalfornia. Ukuphatha kweTrump uye kunciphise isabelomali sezinhlangano ze-Navigator (usizo lokubhalisa) ngamaphesenti angu-41.
Ukuhlanganiswa kwesikhathi esifushane sokubhalisa, ukumaketha okuncane kakhulu, nokusizwa okungatholakali kokubhaliswa kungaholela ekuhlangenwe nakho okudidekayo kwababhalisi bezimakethe ngabanye. Ngakho-ke, ake sibheke izinguquko nokuthi yini okudingeka ukwazi uma uthenga umshuwalense wakho wezempilo emakethe ngayinye.
Isikhathi
Ezingxenyeni eziningi, uma ubhalisela ukuthengiswa komakethe-noma ukushintshaniswa-nge-2018, ube neviki elingaphezu kwamasonto ayisithupha ukuqedela ukubhaliswa kwakho noma wenze izinguquko ekusakazeni kwakho okukhona. Le yingxenye uma nje uke waba nayo ngesikhathi sokugcina okubhalisiwe okuvulekile. I-HHS ishintshe izinsuku ngo-Ephreli 2017, ukusika iwindi elihleliwe lokubhalisa ngesigamu.
Ukubhalisa kuqale ngoNovemba 1 kuzo zonke izimo futhi kuphela ngo-Disemba 15 kuzo zonke izifunda eziyishumi kuphela. Ngaphandle kokuthi ungomunye wezifunda oye wawandisa ukubhaliswa okuvulekile, ngeke ube nethuba lokubhalisa noma ukwenza izinguquko ekusakazeni kwakho ngemuva kukaDisemba 15 ngaphandle komcimbi ofanelekayo .
Kodwa-ke, abantu baseGeorgia, eFlorida, eNingizimu Carolina, e-Alabama, e-Maine nasezingxenyeni zaseLouisana, eTexas naseMississippi baze bafike ngonyaka ka-December 31 ukuze bajoyine ukuvakasha ngo-2018, ngenxa yezivunguvungu neziphepho ekupheleni kuka-2017. Futhi uma umshwalense wakho iphuma emakethe ekupheleni kuka-2017, unesikhathi sokubhalisa esikhethekile lapho ungakhetha khona uhlelo olusha. Iyaqhubeka kuze kube ngu-Mashi 1, kodwa uma ukhetha uhlelo olusha ngo-December 31, luzoqala ukusebenza ngoJanuwari 1, 2018.
Ukuqhubeka nokucindezela ifasitela lokubhalisa, i-HHS yamemezela ngesikhathi sesifundo ngasekupheleni kukaSeptemba ukuthi i-HealthCare.gov, i-portal yokubhalisa i-portal esetshenziswa abantu basezifundazweni ezingu-39, ayitholakali ngenxa yesondlo ehleliwe isigamu sosuku ngamaSonto amaningi ngesikhathi sokubhaliswa okuvulekile, futhi ngisho nobusuku ngosuku lokuqala lokubhalisa okuvulekile, ngoNovemba 1.
Lokhu kwaba ukunyakaza okukhulu, futhi kuncishiswe ukunciphisa iwindi lokubhalisa elivulekile ngezinsuku ezintathu ezigcwele.
Ukutholakala okutholakalayo
I-November 1 kuya kuDisemba 15 iwindi yokubhalisa evulekile isetshenziselwa ukuthengiswa kwamakethe okuhambisana nomthetho wezokunakekelwa okungabizi kahle (ACA, aka Obamacare), kokubili nokushintshaniswa. Ngokusho kokuhlaziywa kukaMark Farrah Associates, kunabantu abangaba yizigidi ezingu-17.6 kule makethe.
Kukhona amawindi okubhalisa avulekile asebenza kubantu abane-Medicare nangomshwalense wezempilo oxhaswe ngumqashi, kodwa abaphazamiseki yizinguquko ukuphathwa kwe-Trump.
Futhi abantu abanezimboni ezinkulu noma abazukulukazi bezimakethe ngeke baphathwe kabi. Lezo zinhlelo azisekho ukuthenga ngakho-ke awunawo amafasitela okubhalisa avulekile.
Kodwa-ke, uma unesimiso esikhulu noma esikhulu, kunesithakazelo sakho ukubona ukuthi kuqhathaniswa kanjani nezinhlelo ezihambisana ne-ACA ezizotholakala ngo-2018, ikakhulukazi uma ufaneleka ukuthola izinsizakalo ze- premium noma izinsizakalo zokwabelana ngezindleko ukushintshaniswa.
Okufanele Ukwazi Ngaphambi Kokubhalisa
Kubaluleke kakhulu ukuthi uqaphele ukuxhumana okutholayo kusuka ekushintshaneni-noma kusuka kumshuwalense wakho uma unomsebenzi wokushintshaniswa ngaphandle. Qinisekisa ukuthi uyaqonda ukuthi imali yakho eyinkokhelo ikhuphuka kangakanani futhi uma unesibonelelo se- premium ngokusebenzisa i-exchange, qonda ukuthi imali yakho yokukhokhela i-premium elandelayo izoshintsha kanjani.
Nakani kanye nemininingwane yokuhlanganisa efingqa ulwazi olusha lokuthola ulwazi oluvela kumshuwalense wakho kanye / noma ukushintshaniswa. Abashuwalense bangaqeda uhlelo ngesikhathi sokuthi "bawela" noma "imephu" babhalisela uhlelo olusha ngezinzuzo ezifanayo-kodwa ezingafani. Ukushintshanisana nakho kungenza lokhu uma umshwalense eshiya ukushintshaniswa ngokuphelele.
Eminyakeni edlule, abantu babe nethuba lokwenza izinguquko ekuhambeni kwabo ngoJanuwari uma bebanjwe-balindile nge-premium ephezulu noma izinguquko zokuqala kokuqala ekuqaleni konyaka omusha. Lokhu ngeke kusatholakala ngo-2018, ngakho-ke kubalulekile ukuqinisekisa ukuthi uyaqonda imininingwane ngaphambi kuka-Disemba futhi wenze noma yiziphi izinguquko ozibona zidingekile.
Izizwe Ezibhalisiwe
Ukuhwebelana okuyishumi kuhulumeni kukhethile ukwengeza isikhathi esengeziwe ekupheleni kwesikhathi sokubhaliswa okuvulekile okuhleliwe kulokhu ukuwa / ubusika, kanti i-HHS ikhishwe isikhathi esikhethekile sokubhalisa kwezinye izisulu zeziphepho ezindaweni ezintathu ezisebenzisa i-HealthCare.gov. Yazi ukuthi lezi zandiso zesikhathi esisodwa futhi ngeke zisebenze eminyakeni ezayo.
Ukushintshanisa okubhalwe kulezi zizwe kuzodingeka kuze kube yilapho izikhathi ezilandelayo zizobhaliswa ku-2018:
- Maryland: Disemba 22 (zonke izinhlelo zizosebenza ngoJanuwari 1)
- Connecticut: December 22 (zonke izinhlelo zizosebenza ngoJanuwari 1)
- Rhode Island: Disemba 31 (zonke izinhlelo zizosebenza ngoJanuwari 1)
- I-Colorado: NgoJanuwari 12 (umbuso uqinisekisile ukuthi lokhu kusebenza ngaphandle kokushintshaniswa)
- Minnesota: Januwari 14
- Washington: January 15
- EMassachusetts: NgoJanuwari 23 (ukubhaliswa okuthunyelwe ngoDisemba 23 kuzosebenza ngoJanuwari 1; ukubhaliswa okuthunyelwe phakathi kukaDisemba 24 noJanuwari 23 kuzoba nokusebenza kahle ngoFebruwari 1)
- DC: Januwari 31
- I-California: January 31
- I-New York: NgoJanuwari 31
I-DC, i-California ne-New York bonke bakhetha ukugcina isikhathi sokubhalisa esivulekile okwakuhlelwe ekuqaleni kwe-2018. Amanye ama-exchange angu-7 athathe isikhathi esithile ngaphambi kwesikhathi sokuzama ukuthola izinsuku zokuqala eziphumelelayo (Januwari 1 noma ngoFebruwari 1) ngenkathi esenikeza abantu isikhathi esengeziwe sokubhalisa ngaphandle kwesikhathi esinqunyiwe seDisemba 15.
Ukuvumelana nezimo zokunweba ukubhaliswa okuvulekile kunqunyelwe kulabo abangasebenzisi i-HealthCare.gov-futhi kukhona okungu-12 kuphela kubo. Abangu-12 kulaba abangu-12 abazange babhale ukubhaliswa okuvulekile- Vermont no-Idaho baqeda ukubhaliswa okuvulekile ngoDisemba 15.
Ngaphandle kokuhwebelana kukahulumeni okuye kwandisa ukubhaliswa okuvulekile, i- HHS yamemezela ngasekupheleni kukaSepthemba ukuthi ezinye izakhamuzi ezithinta iziphepho ngo-2017 zaze zaphela kuze kube sekupheleni kukaDisemba ukuba zibhalise ezinhlelweni nge-HealthCare.gov ngo-2018. Lesi sikhathi sokubhalisa esikhethekile ( Disemba 16 - Disemba 31) kusebenza kubantu abahlala (noma abahlala lapho isiphepho sishaya) esinye sezifunda ukuthi i-FEMA ithathwa njengefanelekile "usizo olulodwa" noma "usizo lomphakathi" kulandela iziphepho i-Irma no-Harvey.
Lokho kuhlanganisa:
- Izifunda eziyisikhombisa eGeorgia
- Yonke indawo yase-Alabama
- Yonke indawo yaseFlorida
- Yonke indawo yaseNingizimu Carolina
- Yonke indawo yaseMaine (ngenxa yezivunguvungu ezishaya umbuso ngo-Okthoba 2017)
- Izifunda ezingu-53 eTexas
- 32 amapaki eLouisana
- Izifunda ezingu-7 eMisissippi
Ukubhaliswa kosizo
Ngaphezu kokunciphisa ukubhaliswa okuvulekile nokuxhaswa kwemali yokukhangisa kwezeMpiloCare.gov, ukuphathwa kweTrump kunquma imali yezinhlangano ze-Navigator ngamaphesenti angu-41 uma kuqhathaniswa nezimali abazitholile ezifaka isikhathi sokubhalisa evulekile ekupheleni kuka-2016. Ukuthola usizo lokubhalisa kungaba nzima kulo nyaka.
Ukuhwebelana kwe-State kugijimela amabhajethi abo ekusizeni komuntu. Isibonelo, ukushintshaniswa kwe-Connecticut kuyaphakamisa ukusizwa kwabo ngabanye ngezindawo ezintsha ezihlukahlukene kulo lonke izwe. Kodwa iningi lamazwe lithembele ekushintshaneni kwe-federally-run futhi ngeke ibe nezimali eziningi lokhu kwehla kosizo lokubhaliswa komuntu siqu.
Uma ucabanga ukuthi ungadinga usizo lokukhetha uhlelo noma ukubhalisa, kuwukuhlakanipha ukwenza i-aphoyintimenti esikhathini esingaphambili nomthengisi noma umshayeli wendawo endaweni yakho noma ukuthola ukuthi izinhlangano emphakathini wakho zizokwazisa abeluleki bokubhalisa esandleni ngesikhathi sokubhalisa okuvulekile.
Izizathu Zokubhalisa Okufishane
Kubalulekile ukuqonda ukuthi isikhathi esifushane sokubhalisa, okuyingxenye yomzamo wokuqiniswa kwemakethe, empeleni kuhlelwe ngaphansi kwe-Obama Administration, futhi kwakhiwe ukuqala ukusebenza ekuwa kuka-2018. Ukuphathwa kweTrump kuphela kwashukumisela lokho ngonyaka, kokuba iqale ukusebenza ekupheleni kuka-2017 esikhundleni.
Ukuthutha ukunciphisa ukubhaliswa okuvulekile kusukela ekupheleni kuka-2017 kwakuyingxenye yomthethonqubo wokuqiniswa kwemakethe uHHS ophelile ngo-Ephreli 2017. Umqondo wukuthi abatshuwalense kudingeka babe nabantu abaningi ngangokunokwenzeka ababhalise ekuhambeni kweminyaka yonke ukuze bagcine indawo yokuhlala engozini, nokuqeda ukubhaliswa okuvulekile ngaphambi kokuphela kukaDisemba kuyindlela yokufeza lowo mgomo.
Eminyakeni eyedlule, lapho ukubhaliswa okuvulekile kuqhubeka ngonyaka omusha, abantu bangabhalisa ekubambeni ngasekupheleni kukaJanuwari futhi babe nosuku olusebenzayo lukaMashi 1. Lokhu kwakusho ukuthi babekhokha kuphela amaphrimiyamu ezinyangeni ezingu-10 zonyaka, kunokuba babe ngu-12.
Abantu abagulayo abakwenzeki ukwenza lokhu. Kwakungabhalisile abanempilo-abantu abadinga kakhulu echibini lokubeka ingozi ukuze bahlale bezinzile-ababengayinayina ukuze baqaphele iminyaka ethile. Abashuwalense kanye nokuhwebelana babengazi ukuthi lokhu kwakungavamile futhi isikhathi esifushane sokubhalisa siyindlela yokubhekana nendaba.
Futhi, i-HHS, ngaphansi kwe-Obama Administration, isifinyelele esiphethweni esifanayo emithethweni abayiqedile ekuqaleni kuka-2016. Kodwa uhlelo ngaleso sikhathi kwakuwukunikeza izinkampani zomshuwalense, ukuhwebelana kanye nabathengi isikhathi esengeziwe sokulungiselela ukubhaliswa okufishane okuvulekile isikhathi ngoba kwakungakahlelwe ukusebenza kuze kube sekupheleni kuka-2018.
Esikhundleni salokho, izinsuku ezintsha zaqalwa ngo-Ephreli 2017, nje ezinyangeni ezimbalwa ezingaphezu kwezinyanga eziyisithupha ngaphambi kokuqala kokubhalisa okuvulekile. Lokho akuzange kunikeze ama-insurers, ama-exchange, noma abathengi isikhathi esiningi sokubhekana nezinguquko, yingakho ukubaluleka kwemakethe ngokuqondile kuphawula ukuthi ukushintshaniswa kombuso kunendlela yokusebenzisa ukuguquguquka kwabo ngokwabo ukuwandisa ukubhaliswa okuvulekile lokhu kuwa.
Ukuqonda ukuphikisana
Umqondo wesikhathi esifushane sokubhalisa okuphelile ngoDisemba, nazo zonke izinhlelo ziphumelela ngoJanuwari 1, kwaba nezingxabano ngisho nalapho i-HHS ngaphansi kwe-Obama Administration ihlongoze ngasekupheleni kuka-2015. I-HHS ixoxe ngemibono ephikisanayo emthethonqubo owawuqedile ekuqaleni kuka-2016.
Ngakho-ke, nakuba uMongameli Trump uye wathi ngokuphindaphindiwe ukuthi "uzovumela u-Obamacare ukuba acele," isikhathi esifushane sokubhalisa sasingeyona umbono wezokuphatha weTrump, futhi impikiswano eyayizungezile manje isivele ikhona kakade ngaphambi kokuba uTrump inqobe ukhetho luka-2016. Kodwa, imali eyancishisiwe yokumaketha, ukufinyeleleka, kanye nokubhalisa umqondo kaGunyaziwe wezokuThutha futhi kuqiniswa kakhulu emakethe ngayinye njengoba kuzoholela ekubhaleni kwabantu abambalwa nabagulayo ngo-2018.
Abagqugquzeli besikhashana sokubhalisa okuvulekile okusiza ukuthi kuqinisekiswe ukuthi wonke umuntu unomlando ogcwele. Baphinde bakholelwa ukuthi ifasitela lokubhalisa inyanga ezintathu alisadingeki manje ngoba ukuhwebelana kusebenza kahle futhi kubhekelezi futhi abathengi basebenzisa ukujwayelekile okusha emakethe ngayinye.
Kodwa abaphikisi befenisha lokubhalisa elifushane elivulekile ukuthi imakethe ngayinye ihlukumezekile, okusho ukuthi abantu bajikeleza futhi baphume kuwo kusukela ngonyaka owodwa kuya kwesinye futhi kukhona abantu abasha abadingayo ukuthenga ukuthengwa komakethe ngamunye okokuqala. Baphinde babonise ukuthi iwindi elisha lidlula isikhathi se- Medicare evulekile sokubhalisa . Futhi, iningi labathengisi abasiza abantu emakethe ngayinye futhi basiza abantu emakethe yeMedare, betha izinsizakalo zosizo ngokulinganayo.
Amasu okudayiswa emakethe ngayinye abuye ahluke kakhulu, nabanomshwalense abaphuma futhi bengena emakethe unyaka ngamunye, kanye nezinguquko zenethiwekhi nokuzuzisa. Lokhu kwenza kube nzima (futhi hhayi ngokuyinzuzo) ukuthi abantu "bayilungise futhi balikhohlwe" uma kuziwa kumshuwalense wabo wemakethe ngamunye. Kubalulekile futhi kuvame ukudingwa ukuthenga cishe unyaka ngamunye, futhi iwindi lokubhalisa elicindezelekile lenza kube nzima kakhulu kuwo wonke umuntu emakethe ngamunye ukuba akwazi ukwenza lokho, ikakhulukazi uma badinga usizo ngenqubo.
Abaphikisi befasitela lokubhalisa elifishane futhi babala ukuthi abantu abagulayo bavame ukubhalisa ngokushesha ngangokunokwenzeka, ekuqaleni kwewindi lokubhalisa. Kodwa abantu abasha, abanempilo (okungukuthi, "abancane abangenayo i-invincible") banamathuba amaningi okuqeda futhi abhalise ngomzuzu wokugcina. Kulo nyaka, kubaluleke kakhulu ukukhulumisana naleso sibalo sokuthi ukubhaliswa kuphelile ngoDisemba 15 ukuze bangalindi isikhathi eside futhi balahleke ngokuphelele iwindi.
Kuthiwani Uma Nginemibuzo Ngomqashi Wami?
Ukubhaliswa okuvulekile kanye nokuhlinzekwa okuchazwe ngenhla kusebenza kuphela emakethe yomshuwalense wezempilo, ngakho akuthinti abantu abathola umshuwalense wezempilo kusuka kubaqashi babo. Kodwa uma unomshuwalense wezempilo oxhaswe ngumqashi, isikhathi sakho sokubhalisa esivulekile singase sifinyelele isikhathi sokubhalisa esikhwameni ngasinye.
Izinhlelo eziningi zempilo ezixhaswe ngumqashi zigcina izikhathi zokubhalisa ezivulekile ekwindla, ukuze izinguquko zokubika zingasebenza ngoJanuwari 1 wonyaka ozayo. Lokhu akusiyo njalo-kodwa-umqashi wakho angase abe necebo elingalandeli lonyaka wekhalenda, ngakho-ke ukubhaliswa kwakho okuvulekile kungase kube yisikhathi esithile sonyaka.
Ukuvula ukubhaliswa kwamacebo axhaswe ngumqashi ngokuvamile kufushane kunewindi yokubhalisa esetshenziselwa imakethe ngayinye, kepha umqashi wakho uzoxhumana nezinsuku ezibalulekile ezisebenza kuhlelo lwakho. Umqashi wakho angabamba imihlangano yabasebenzi ukulungiselela ukubhaliswa okuvulekile, noma bangathumela ulwazi lomuntu ngamunye kumsebenzi ngamunye. Uma unemibuzo, manje yisikhathi sokubuza. Uma ungaqiniseki nanoma yiliphi igama elisetshenziselwa ukuchaza amapulani, cela usizo ngaphambi kokwenza isinqumo.
Abasebenzi bavame ukunamathela ohlelweni olufanayo kusukela ngonyaka owodwa kuya kwesinye kuphela ngenxa yokungena-ngisho nalapho ukhetho olungcono luba khona. Uma umqashi wakho enikeza okukhethwa kukho okungaphezu kweyodwa, kufanelekile ukuba uhlole ngokucophelela uhlelo ngalunye ngesikhathi sokubhalisa okuvulekile. Bheka ukuthi uzokhokha malini ama- premium (inani elizokhishwa kwi-paycheck yakho), nokuthi uzokhokha malini uma udingwa ukunakekelwa kwezokwelapha. Cabanga ngemali yakho yakamuva yokunakekelwa kwempilo, futhi ucabangele noma yiziphi izindleko ozilindele ukuzenza ngonyaka ozayo. Uma enye yezinketho zokuhlela kuzoletha inani elingcono kunelokho onalo manje, ukubhaliswa okuvulekile kuyithuba lakho lokushintsha amapulani, kanti umqashi wakho kungenzeka ukuthi une inqubo endaweni ezokwenza kube lula ukwenza kanjalo.
Uma wena noma omunye wamalungu omndeni wakho uthatha izidakamizwa zemithi noma ubone udokotela othile, qinisekisa ukuthi uhlolisisa kabili izinhlu zezidakamizwa ezimbozwe ( amafomula ) kanye nemininingwane yenethiwekhi yomhlinzeki ngezinhlelo zomqashi wakho. Uma ushintsha amapulani bese uthola ngemuva kokuba uhlelo olusha lusebenza ukuthi imithi yakho kanye / noma udokotela awuhlanganisiwe, kuzodingeka ulinde kuze kufike ukubhaliswa okuvulekile konyaka ozayo ukushintsha amapulani futhi.
Kuthiwani Uma Ngingaboni Ukubhaliswa Okuvulekile?
Ngemuva kokubhalisa okuvulekile kuphelile, ithuba lakho lokubhalisa emshuwalense wezempilo ka-2018 lizokhawulelwa . Uzokwazi ukungena ngemvume phakathi nonyaka uma uhlangabezana nesenzakalo esifanelekayo (isb., Ukulahlekelwa kokukhishwa, umshado, njll), futhi ezimweni eziningi ezisebenza kumapulani athengwe ngokushintshaniswa noma ngokuqondile kwinkampani yomshuwalense.
Kodwa ngaphandle komcimbi ofanelekayo, ngeke ukwazi ukubhalisela uhlelo lomshwalense omkhulu wezempilo lwempilo emakethe kuze kube sekupheleni kwesikhathi sokubhalisa okuvulekile okuqala futhi ngonyaka we-2018.
Ukubhaliswa kwe-Medicaid ne-CHIP kunyaka wonke, kepha kulabo abafanelekile. Futhi amaMelika aseMelika angakwazi ukubhalisela izinhlelo zezempilo ngokusebenzisa ukuhwebelana unyaka wonke .
Izwi elivela
Siyazi ukuthi umshuwalense wezempilo ungase udideke, futhi ngo-2017 uye wanezela kulokho kudideka ngempikiswano eqhubekayo mayelana nokulungiswa kwezempilo. Kodwa isakhiwo esijwayelekile semakethe ngayinye sizofana nango-2018 njengoba kwakunjalo ngo-2017.
Izinsizakalo zakho ze-premium nezokunciphisa izindleko zizobe zitholakalayo, futhi ukuhwebelana kuzo zonke izifunda zisebenza ngendlela efanayo nalokho okwakukhona phakathi nesikhathi sokugcina sokuvulwa okuvulekile. Nakuba ukuphathwa kweTrump kunqume ukuxhaswa kwezimali zokunciphisa izindleko, umthelela walokhu ( amaphrimiyamu aphezulu-ikakhulukazi amapulani esiliva-cishe kuwo wonke amazwe ) ayobe ethwalwa uhulumeni wesifundazwe, ngendlela yokuxhaswa kwezimali eziphezulu ezinkulu. Ukunciphisa ukwabelana ngezindleko ngokwabo kuzoqhubeka kutholakala ngo-2018 kunoma ubani wonke ababhalisile abafanelekile.
Futhi naphezu kwezihloko eziphindaphindiwe mayelana nezindawo ezingabambisisani nabanomshwalense abazohlela ukuhlinzeka ngo-2018, zonke izifundazwe kuleli lizwe okungenani unomshuwalense oyedwa ozohlinzekwa ukunikezela ngezokushintshanisa. Futhi nakuba inkokhelo yentela ye-GOP ekugcineni isula igunya lomuntu ngamunye, lolo shintsho alwenzi ukusebenza kuze kube ngo-2019. Ngakho abantu abangaqinisekisiwe ngo-2018 bazobhekana nesigwebo lapho befaka intela zabo ekuqaleni kuka-2019.
Lezi zinsuku zishintshe ukubhaliswa okuvulekile emazweni amaningi, kanti isabelomali sokukhangisa se-HealthCare.gov sisho ukuthi abantu bangase bangazi ukuthi ifasitela lokubhalisa elivulekile. Ngakho uma ukhona umuntu othenga umshuwalense wezempilo, usakaze igama!
Bhalisa ku-Healthcare.gov
> Imithombo:
> UMnyango wezeMpilo kanye nezinsizakalo zabasebenzi. I-Federal Register. Ukuvikelwa Kweziguli Nomthetho Wokunakekelwa Okungathintekiyo, Isaziso se-HHS Sokuhlomula Nezikhawulelo Zokukhokha ngo-2017. Mashi 6, 2016.
> UMnyango wezeMpilo kanye nezisebenzi zikaHulumeni. Ukuvikelwa kwesineke kanye noMthetho Wokunakekelwa Kwezinkinga, Ukuqiniswa Kwemakethe . April 2017.
> UMnyango wezeMpilo kanye nezinsizakalo zabasebenzi. Izinqubomgomo ezihlobene nohlelo lwe-Navigator Nokubhalisa Imfundo ye-Period Yokubhalisa Ezayo . Agasti 31, 2017.
> Mark Farrah Associates. Ukubheka Ngokubheka Umshwalense Wempilo Yomshwalense Womuntu Omusha. NgoJulayi 19, 2017.