Kunezinhlelo eziningi ezenzelwe ukusiza abampofu, kepha ukucacisa ukuthi ubani ompofu futhi ongeyimpofu kungaba nzima. Uhulumeni wesifundazwe wase-United States unesixazululo salolu daba.
Ngomhla kaJanuwari, uMnyango WezeMpilo kanye Nezinsizakalo Zomuntu uphakamisa izinkombandlela zomnyaka wezompofu ezisezingeni eliphansi ukuze zichaze ukuthi ngubani, ngempela, ompofu. Lezi ziqondiso zivame ukubhekwa njengezinga lobuphofu elisemthethweni, futhi zisetshenziselwa ukunquma ukufaneleka kwezibonelelo ze- premium kanye nokwabelana ngezindleko ekushintsheni kombuso ngamunye, kanye nezinye izinhlelo.
Umphumela wobukhulu bomndeni
Njengoba kudinga ukondla, indlu, futhi ugqoke umndeni omkhulu kunomndeni omncane, iziqondiso zihluka ngobukhulu bomndeni. Umndeni wakho okhudlwana, iholo elingenayo elingenayo futhi unalo ngaphansi kwezinga lobuphofu elisemhlabeni. Amatafula aqondiswayo ahlunga izibalo zemikhakha yomndeni yamalunga omndeni angu-8. Kuthiwani uma unabantu abangaphezu kwesishiyagalombili emndenini wakho? Imihlahlandlela ifaka ifomula elula ku-akhawunti yelungu ngalinye lomndeni elengeziwe.
Imindeni yase-USA iphinde igcine ikhasi elibonisa imali ngemindeni ehlukene yemindeni kanye namaphesenti ahlukene obukhulu bobuphofu. Lokhu kuyisisetshenziswa esiwusizo ikakhulukazi ngokukwazi ukubona shazi ukuthi yimali engenayo yokwenza imindeni ehlukene ehambisana ne-Medicaid, i-CHIP, noma izinsizakalo ze-ACA's premium kanye nokwabelana ngezindleko.
Imiphumela yendawo
Njengoba kubiza kakhulu ukuhlala kwezinye izindawo kunabanye, i-HHS ishicilela imihlahlandlela emithathu ehlukene:
- Alaska
- I-Hawaii
- Amanye angu-48 athi iWashington DC
Azikho iziqondiso ezithile ePuerto Rico, i-US Virgin Islands, i-American Samoa, i-Guam, i-Marshall Islands, iMicronesia, i-Northern Mariana Islands, noma iPalau. Uma uhlala kwenye yalezi zindawo futhi ucela usizo oluvela ohlelweni olusebenzisa izinkombandlela zokuphefumula zombuso ukuze unqume ukuthi ufanelekile yini, kuzomele ucele ukuthi yiluphi umhlahlandlela osebenzayo.
Kuye ejensi ehambisa uhlelo losizo lokunquma.
Awekho ukushintshaniswa komshuwalense wezempilo (futhi ngaleyo ndlela, akukho uxhasomali lwe-premium noma izinkokhelo zokwabelana ngezindleko) ezindaweni zase-US. I-Medicaid ne-CHIP iyatholakala, futhi izindawo zinezinqumo ezifanele zokutholakala kwemali zendawo futhi eziyingqayizivele.
Izinkombandlela ze-2017
Ungabona imihlahlandlela iminyaka eminingana lapha. Izinombolo ezibhebheni ezingezansi zingu-2017. Lezi zizosetshenziselwa ukunquma ukufaneleka kwezibonelelo ze-premium kanye nokwabelana ngezindleko zesikhathi ngesikhathi sokubhaliswa kwemakethe evulekile ekupheleni kuka-2017 nanoma ubani obhalisa ukubhalwa ngo-2018 ngo-2018 njengomphumela yomcimbi ofanelekayo.
Izinombolo zezinga lika-2017 zezompofu zizoqhubeka zisetshenziselwa ukucacisa ukufaneleka kweMedicaid ne-CHIP kuze kube yilapho izinombolo zezinga lobuphofu ngo-2018 zishicilelwa ngoJanuwari 2018.
FPL yamazwe angu-48 ahloniphekile newaseWashington DC | |
|---|---|
Usayizi Wemizi | Umhlahlandlela woMpofu |
1 | $ 12,060 |
2 | 16,240 |
3 | 20,420 |
4 | 24 600 |
5 | 28,780 |
6 | 32 960 |
7 | 37,140 |
8 | 41,320 |
FPL ye-Alaska | |
|---|---|
Usayizi Wemizi | Umhlahlandlela woMpofu |
1 | $ 15,060 |
2 | 20.290 |
3 | 25,520 |
4 | 30 750 |
5 | 35 980 |
6 | 41,210 |
7 | 46,440 |
8 | 51,670 |
FPL yeHawaii | |
|---|---|
Usayizi Wemizi | Umhlahlandlela woMpofu |
1 | $ 13,860 |
2 | 18,670 |
3 | 23,480 |
4 | 28.290 |
5 | 33,100 |
6 | 37 910 |
7 | 42,720 |
8 | 47,530 |
3 Izinto Okufanele Uzazi
Uma uqhathanisa imali engenayo kuFPL ukuze ubone ukuthi ufanelekile yini eminye yezinsizakalo zomshuwalense wezeMpilo kaMnyango wezeMpilo, kunezinto ezimbalwa okudingeka wazi kuqala.
- Ukufaneleka kwekhredithi yentela ye- premium (uxhasomali lwe-premium) kanye nesibonelelo sokubelana ngezindleko kusekelwe ku-FPL kusukela ngonyaka ngaphambi kokuthi ukufakwa kwakho kusebenze, hhayi i-FPL yonyaka ukukhishwa kwakho kusebenza . Isibonelo, uma ufaka isicelo somshuwalense wezempilo ngo-2018, uzosebenzisa imihlahlandlela ka-2017. Lokhu kungenxa yokuthi ukubhaliswa okuvulekile kokuhlinzekwa komshuwalense wezempilo ka-2018 kwenzeka ekwindla ka-2017 ngaphambi kwemikhombandlela ka-2018. Ukufaneleka kwe-Medicaid ne-CHIP kuqala ukusebenzisa izinombolo ezintsha ze-FPL ngokushesha nje lapho zishicilelwe. Kodwa ukuze kugcinwe ukuhambisana kokusizakala kwe-premium kanye nokwabelana ngezindleko, iziqondiso ezintsha aziqali ukusebenzisa kuze kube ukuwa, ngesikhathi sokubhalisa okuvulekile konyaka ozayo.
- Kunezinhlobo zonke zezincazelo zemali engenayo: imali engenayo yonke, imali engenayo engenayo, njll. Izinsizakalo zempilo yomshuwalense we-Care Affordable ziqhathanisa inzuzo yakho ejwayelekile yokuguqula (MAGI) ne-FPL yakho ngobukhulu bemindeni yakho nendawo yakho. I-ACA inezibalo zayo ze-MAGI, ihlanganiswe lapha (ekhasini 30378, ikholomu yokuqala) , futhi ifingqa lapha .
- Njengoba izinsizakalo zomshuwalense wezempilo zisekelwe kumaphesenti kaFPL, kuzodingeka usebenzise izibalo ezithile eziyisisekelo ukuze ushintshe isiqondiso sosayizi lomndeni wakho into into ongayisebenzisa ngempela (ishadi leMelika lase-USA liwusizo lapha ngokwenza izilinganiso ezinzima) . Nazi izibonelo ezimbalwa:
- Insizakalo yomshuwalense wempilo yesikhwama semali yesikweletu se-premium iyatholakala kubantu abangenzi ngaphezu kuka-400% we-FPL. Uma ungumuntu ongashadile ohlala eMiami futhi ufaka isicelo se-inshuwalense yezempilo ka-2018 ekwindla ka-2017, i-FPL yakho ingu-$ 12,060. Ukuze uthole ukuthi yi-400% ye-FPL, yandisa isiqondiso ngo-4 . Isibonelo, $ 12,060 x 4 = $ 48,240. Uma wenza ngaphansi kuka-$ 48,240, ungase ufanelekele usizo lukahulumeni ukukhokhela izinkokhelo zakho zomshuwalense wenyanga yomshuwalense wezempilo (inothi lokuthi ngisho nangenzuzo engaphansi kwale nqanaba, ngeke ukwazi ukuthola izinsizakalo uma izindleko ezingagunyaziwe zokuthenga kwakho sezicatshangwa zingabizi; Nakhu okunye ukuthi lokhu kusebenza kanjani.
- Insizakalo yokwabelana ngezindleko ekusizeni ukwehlisa imali yakho, i- copay, ne-coinsurance iyatholakala kubantu abenza ngaphansi kuka-250% we-FPL. Uma ungumndeni wezingane ezine ohlala eHawaii futhi ufaka isicelo somshuwalense wezempilo ka-2018, i-FPL yakho kusukela etafuleni lika-2017 eHawaii ngu-$ 28,290. Ukuze uthole ukuthi yi-250% ye-FPL, yandisa isiqondiso ngu-2.5 . Isibonelo, $ 28,290 x 2.5 = $ 70,725. Uma imali yomndeni wakho eguquliwe ishintshe imali engaphezu kwezingama-dollar 70,725, ungase ufanelekele imali eyabelwe izindleko zokwengeza ngaphezu kwenkxaso yesikweletu sesikweletu se-premium (khumbula ukuthi kufanele uthenge uhlelo lwesiliva ukusebenzisa insizakalo yokwabelana ngezindleko , nakuba ungasebenzisa uxhasomali lwama-premium kunoma yiluphi uhlobo lwezinsimbi zensimbi).
> Imithombo:
> Federal Register / Vol. 77, No. 100 / > Imithetho nemigomo. Meyi 23, 2012.
> MACPAC. I-Medicaid ne-CHIP emaThandeni. May 2017.
> I-University of California Berkeley Labor Centre. Imali engenayo eguquliwe ishintshiwe ngaphansi koMthetho Wokunakekelwa Onganakekelwayo. Julayi 2014.