Izinguquko ze-premium zingaba yi-counter-intuitive
Uma uthenga umshuwalense wakho wezempilo (ngokuphambene nokuwuthola kumqashi), cishe uyazi manje ukuthi kukhona izinsizakalo ze-premium ezitholakalayo ngokusebenzisa ukuhwebelana uma imali yakho engenayo ingena ebangeni elifanelekile.
Ngaphandle kwalokho-ke, kusekhona iningi lokudideka mayelana nokuthi imali esebenza kanjani. Omunye umbuzo ovame ukuvela kuhlobene nendlela ama-premium azoguquka ngayo lapho amalungu omndeni ehlanganiswa ohlelweni noma esuswe ohlelweni.
Izinguquko ku-ACA Ukuxhaswa Kungaba Ukudideka
Kwezinye izimo, ukusebenzisana phakathi kwemali engenayo, usayizi womndeni, nokubhaliswa kokushintshanisa kubangela imiphumela engaba into enembile-enembile njengokunciphisa kumaphrimiyamu emva kokusizwa lapho ungeza ingane entsha ohlelweni, noma akukho ushintsho ekulandeleni-ukusizwa ama-premium lapho ilunga lomndeni lishintsha kwenye indawo, njengoMedare.
Kunamaphuzu ambalwa okufanele ugcine engqondweni lapha:
- Izinsizakalo zenzelwe ukunciphisa inani okhokhayo ngokubheka komndeni wakho nge-exchange. Kodwa imali okhokha ngayo enye inzuzo ngaphandle kokushintshaniswa (isib., Kusuka kumqashi, noma kusuka ku-Medicare) ayifakiwe kumkhawulo.
- Imali engenayo yendlu yakho iyabhekwa, kungakhathaliseki ukuthi bangaki amalungu omndeni ababhalisa ohlelweni lokushintshanisa.
- Inombolo ephelele yabantu abasendlini yakho ibalwa ngokwemigomo yokunquma ukuthi ingabe imali yakho engenayo ihlobene nezinga lobuphofu, kungakhathaliseki ukuthi mangaki amalungu omndeni abhalisa ohlelweni lokushintshanisa.
- Ngokwengxenye enkulu, imali yakho engenayo yiyona ekhonjisiwe ekubuyiselweni kwentela yakho. Kodwa kunamalungiselelo okuvumela abasha abasebasha ukuba bahlale emshuwalense wezempilo yabazali babo kuze kube yilapho beba neminyaka engama-26, kungakhathaliseki ukuthi abazali bathi bangabaxhasi. Uma umuntu osemusha ehlanganiswa ohlelweni lomshuwalense wezempilo lwababelethi bakhe ngemali yokushintshanisa, imali engenayo yomuntu omdala inganezelwa emholweni wabazali ukuze kuqinisekiswe ukuxhaswa kwemali, ngisho noma befaka izintela zabo zentela.
I-Kaiser Family Foundation ine-calculator yenkxaso evumela ukuthi wena ukhethe isimo, noma usebenzise isilinganiso se-US. Kulezi zibonelo, sizosebenzisa isilinganiso se-US, kodwa ungakwazi ukudlala nxazonke nge-calculator futhi uthole izinombolo eziqondile ngokuqondene nesimo sakho.
Nazi ezinye izimo ezingakusiza ukuthi uqonde ukuthi insizakalo yakho ibalwa kanjani nokuthi ihlobene kanjani nomndeni wakho. Kuzo zonke izimo, lezi zibonelo zisebenzisa i-Calculator Kaiser Family Foundation, futhi amanani asekelwe ezindabeni ezijwayelekile ze-US, esho ukuthi ababhalisile bakhetha uhlelo lwesibili lwesiliva eliphansi kakhulu (okungukuthi, uhlelo lokukhomba).
Weshada Ukuhamba Onto Medicare
UBob noSally Smith baneminyaka engu-60 no-64, ngokulandelana. Bobabili banomsebenzi wokushintshanisa ngaphansi kwepulani lokubonisa indawo endaweni yabo, kanti imali yabo engenayo yezindlu ingama $ 50,000. Ukusebenzisa izindleko ezilinganiselwe zase-US, insizakalo yabo ngo-2018 yi-$ 1,748 ngenyanga, futhi uhlelo lwaso lwemali elandelayo ngemuva kokusiza imali yesibili (okungukuthi, uhlelo lokulinganisa) luyi $ 398 ngenyanga (amaphesenti angu-9.56 omholo wabo wendlu, kusukela U-$ 50,000 uphakathi kuka-300 no-400 wamaphesenti wezinga lobuphofu lomndeni wabantu ababili).
[Qaphela ukuthi iphesenti yokuthola imali ukuthi abhalisekayo abafanelekayo be-subidy kufanele bakhokhele uhlelo lokubheka phansi luyehla ngo-2018 kunalowo owawuse-2017, okuyinto yokuqala ukuthi iphesenti liye lancipha ngonyaka.
Abantu abathola imali efanayo ngonyaka ka-2018 abawutholile ngo-2017 kwaphela ngokuncipha okuncane kumaprimiyamu emva kokusizwa kwecebo lokubheka ngo-2018.]
Manje ake sithi uSally uphendukela eminyakeni engu-65 bese ehamba e- Medicare . Mhlawumbe uzofanelekela i- Medicare Part A , ngaphandle kokuthi uzoba ne-premium yenyanga ye- Medicare Part B , futhi uma evula ukuhlinzekwa okungeziwe, uzophinde abe ne-premium ye- Medigap plan ne- D ukuhlanganisa .
Kodwa nakuba eyokhokhela izinkokhelo zezinye izingxenye zemikhakha yakhe ye-Medicare, lezo zimali ezikhokhelwayo ngeke zibalwe kumaphesenti angama-9.56 emali engenayo yendlu ukuthi amaSmiths kulindeleke ukuthi akhokhele uhlelo lokulinganisela ekushintsheni.
Ngakho uma uqhuba izinombolo futhi, unomndeni wabantu ababili kuphela kodwa umuntu oyedwa kuphela (Bob) obhalisa ekubhaliseni ngokushintshanisa, usuvele ufika nge-premium yenkxaso elandelayo ye-$ 398 ngenyanga ngenjongo yesibili yesiliva ebiza kakhulu . Inani lemali yesibonelelo kuphela lizoba ngu-$ 621 ngenyanga kuphela, kodwa, esikhundleni se-$ 1,748 ngenyanga yenkxaso abaSmith abayithola lapho uBob noSally behlelweni lokushintshanisana ndawonye.
Lokhu kungenxa yokuthi basenomndeni wabantu ababili, futhi imali engenayo yemali eyi-$ 50,000. Lokhu kubenza babe ngamaphesenti angama-308 wezinga lobuphofu (izinkombandlela zezinga lobuphofu ngo-2017 ezisetshenziselwa ukucacisa ukufaneleka kwezibonelelo ngezinsuku eziphumelelayo zonyaka wezi-2018; lokhu kuhlale kunjalo, ngezinombolo zonyaka wangaphambi kokuba zisetshenziswe kuze kufike ukubhaliswa okuvulekile ukuwa).
Njengoba imali engenayo yomndeni ingama-308% wezinga lobuphofu, inani eliphezulu lomndeni ngemuva kwensizakalo ye-premium ye-plan yokulinganisa ngokushintshaniswa yi-9.56% wemali engenayo yomndeni (leli phesenti lisebenza kunoma ubani ongenayo imali emakhaya phakathi kuka-300 no-400 wamaphesenti izinga lobuphofu; amaphesenti aphansi kumakhaya anemali engenayo engaphansi kwamaphesenti angama-300 ezingeni lobuphofu). Akunandaba ukuthi bangamalungu omndeni abhalisiwe ngempela ohlelweni lokushintshanisa, noma ukuthi umndeni uchitha kangakanani amaphrimiyamu kwezinye izinhlelo ngaphandle kokushintshaniswa.
Ukwengeza Umngane Wakho Emkhakheni Wakho
U-Amy noBill baneminyaka engu-51 no-53. Bashade iminyaka eminingana, futhi u-Amy unomshwalense wakhe wempilo kumqashi wakhe. Umqashi wakhe akahlinzeki ngokubambisana kwabashadile, ngakho uBill uthola ukukhishwa kokushintshaniswa kusukela ngo-2014 (phawula ukuthi uma umqashi ka-Amy enikezela ukuxhaswa kwabashadayo, uBill ngeke akwazi ukuthola insizakalo ekushintsheni uma nje umshuwalense ka-Amy yayingakhokhwa ngokuzibandakanya kwakhe kuphela-lokhu kuyaziwa njenge- glitch yomndeni , kodwa akusebenzi kulolu cala kusukela uBill akufanelekile ukujoyina uhlelo luka-Amy).
Imali engenayo yasekhaya ka-Amy noBill ngu-$ 48,000 ngonyaka. Ngokwesizinga sase-US, uBill ukhokha imali engu-377 ngenyanga ngenyanga ka-2018 ngenjongo yokulinganisa ekushintsheni, futhi imali ehlala e-$ 389 ngenyanga ihlanganiswa yenkxaso yakhe.
Manje ake sithi umqashi ka-Amy uyeka ukunikeza umshuwalense wezempilo. Ukulahlekelwa ukufakwa kwesikhashana kuyisenzakalo esifanelekayo , okusho ukuthi u-Amy angakwazi ukubhalisa ohlelweni emakethe ngayinye. Uma ejoyina uBill ohlelweni lwakhe, izindleko ezilandelayo zenkxaso yalolu hlelo zizobe ziyizigidi ezingama-377 ngenyanga, kodwa insizakalo izodlulela ku-$ 1,089 ngenyanga. U-Amy noBill basesendlini yababili, futhi imali yabo engenayo isengamaphesenti angama-296 wezinga lobuphofu ngaphambili. Ngakho-ke kusadingeka akhokhe amaphesenti afanayo yengeniso yabo ngenjongo yokulinganisa-ekushintsheni-nje ihlanganisa ezimbili zazo manje, esikhundleni salinye.
Lesi simo siyohluka, noma kunjalo, uma u-Amy noBill besanda kushada. Ukushada nakho kuyisenzakalo esifanelekayo, futhi ucabanga ukuthi u-Amy wayengenayo imali evela kumqashi wakhe, uzobe efaneleka ukuthola izinsizakalo ekushintsheni. Kodwa ngaphambi kokushada, uBill wayeyoba yindlu eyodwa, engenayo kuphela imali engenayo eyabalwa ukuxhaswa kokufaneleka-ukufaneleka. Uma umbhangqwana ushadile, imali yabo engenayo ibalwa ndawonye, futhi bayinhlangano yabantu ababili (becabanga ukuthi abanalo abanye abaxhomekile) ngokuqhathanisa leyo engenayo ebangeni lobuphofu.
Ake sithi imali engenayo kaBill ingu-$ 20,000 kanti u-Amy unama- $ 28,000, futhi akekho kubo abangafinyelela ohlelweni lomqashi. Ngaphambi kokushada, uBill ukhokha imali engu- $ 79 ngenyanga ngenjongo yokulinganisa ngo-2018, futhi insizakalo ye $ 687 ngenyanga ikhokhela konke okukhokhelwayo. U-Amy ukhokha u-$ 174 ngenyanga, futhi umxhaso wakhe ngu-$ 526 ngenyanga.
Uma sebeshadile, imali yabo yomholo ingama- $ 48,000. I-premium ye-premium-subsidy ye-premium ye-benchmark plan yabo bobabili manje ingu-$ 377 ngenyanga, futhi imali yawo yonke imali isamba ngo-$ 1,089 ngenyanga.
Isizathu sokuthi bakhokhela amaphrimiyamu amaningi emva kokushada emva kokushada ukuthi imali yabo yonke yemindeni iyinani eliphakeme lezinga lobuphofu emndenini wabanikazi kunabo bonke ababenayo indlu eyodwa. Ukuze uthole izinsizakalo, imibhangqwana eshadile kufanele ifake ukubuyiswa kwentela ehlangene-ayinayo ithuba lokuyibeka ngokwehlukana futhi ifune imali engaphezulu ephelele eyayinayo ngaphambi kokushada.
Ukwengeza Ingane
Ngo-2013, uhulumeni wesifundazwe waphetha imithetho yokubeka amazinga emakethe yomshuwalense omusha we-ACA. Isimiso sokugcina sithi emndenini owodwa, abangaphezu kwezingane ezintathu ezingaphansi kweminyaka engama-21 bazobalwa ngenhloso yokunquma i-premium yomndeni.
Zonke izingane ezineminyaka engama-21 kuya kwengu-25 zonke zibalwe, kungakhathaliseki ukuthi ziningi kangakanani, noma zingaki izingane ezingaphezulu kuka-21 zingaphansi kwendlu.
UTom noRenee baneminyaka engu-40 no-39, futhi banabantwana abathathu, abaneminyaka emibili, abane, nabayisikhombisa. Bahola u-$ 80,000 ngonyaka, futhi umndeni wabo ubhalise ohlelweni lokubheka ngokushintshanisa. Ngokususelwa kumanani ejwayelekile ase-US, bakhokha imali engu- $ 595 ngenyanga ngenyanga, ngemuva kokuthola imali engu-$ 1,221 ngenyanga ngokuthatha i-premium eyisele.
Uma uTom noRenee benomntwana wesine, bazobe bekhokha u-$ 595 ngenyanga, futhi imali yabo yesabelomali izoba ngu-$ 1,221 ngenyanga. Bangakwazi ukwengeza umntwana omusha ohlelweni lwabo (lokho kuyisenzakalo esifanelekayo ), kodwa amazinga abo angaphambi kokubambisana ngeke ashintshe, ngakho-ke imali yabo yenkxaso-mali ngeke ishintshwe noma ama-premium azosizayo.
Qhathanisa lokho ngesinye isimo lapho uTom noRenee banabantwana ababili, bese ufaka ingane yesithathu emndenini wabo. Ekuqaleni, bangumndeni wezingane ezine, futhi imali yabo yokukhokha emva kwe-subsidy imali engu-$ 637 ngenyanga, ngosizo lwemali engu-891 ngenyanga ngenyanga eqoqa konke okunye (inothi ukuthi amaphrimiyamu wezingane asetshenziselwa ukuhluka kuphela ngokususelwa eminyakeni yobudala lapho ingane iphenduke iminyaka engu-21, kodwa kusukela ngo-2018, izinkokhelo zezingane ziqala ukwanda uma ziba ngu-15 . KuTom noRenee, lokhu akuyona into, njengoba izingane zabo zingaphansi kuka-15).
Uma umntwana wesithathu ezalwa, bangumndeni wamahlanu, futhi imali yabo yokukhokha emva kwe-subsidy ngu-$ 595 ngenyanga, ngemuva kokuxhaswa nge $ 1,221 ngenyanga. I-premium yabo emva kokusizwa impela ihla uma ihlanganisa ingane yesithathu, ngoba imali yabo engenayo manje iyinani eliyingcosana lezinga lobuphofu, njengoba seliba yindlu emihlanu esikhundleni sezine (nasi ishadi elibonisa ukuthi usayizi womndeni uthinta kanjani iphesenti yezinga lobuphofu emindenini ehlukene)
Kodwa ake sicabange ukuthi uTom noRenee banomholo we $ 140,000 ngonyaka-kahle ngaphezu komngcele wokufaneleka kwemali, ngisho namalungu omndeni amahlanu. Uma kunjalo, babezokhokha imali ekhokhelwayo ngokugcwele. Uma bephuma izingane ezintathu ukuya ezine, ngeke bakhokhele amaphrimiyamu engeziwe. Kodwa uma bephuma kubantwana ababili beya ku-3, inani labo eliphelele lomndeni lecebo lokubheka lizovela kusuka ku $ 1,529 ngenyanga kuya ku-$ 1,816 ngenyanga. Ngenzuzo engenayo eyaneleyo, insizakalo ihola izindleko ezengeziwe ukwengeza ingane yesithathu. Kodwa ngemali engenayo ngaphezu kokufaneleka kokusizwa, kuzodingeka bakhokhele i-premium eyengeziwe ngokwabo.
Funa Usizo Uma Unemibuzo
Uma unemibuzo mayelana nokuthi ama-premium akho azoshintsha kanjani ngokususelwa ekushintsheni okuhlukahlukene kokuphila, ungasebenzisa isilawuli sezinsizakalo, noma ufinyelele ekushintsheni kuhulumeni wakho ukuze uthole usizo. Umdayisi othembekile noma umkhumbi wendawo wendawo emphakathini wakho uzophinde akwazi ukukusiza ukuthi ube nomqondo konke, futhi ngeke kube khona icala lokuthola amasevisi abo.
> Imithombo:
Amasevisi we-Medicare neMediicaid Services, Isikhungo Sokwaziswa Komthengi kanye Nokubheka Umshuwalense, Uhlolojikelele: Imithetho Yokugcina Yomshwalense Wezempilo Umshwalense Wezimakethe .
Imindeni yase-USA. Izinkombandlela zeNtshonalanga Yempofu.
Isevisi yangaphakathi yeNgeniso. Inqubo Yokuthola Imali 2017-36 .
I-Kaiser Family Foundation, i-Health Assurance Marketplace Calculator.
Ihhovisi likaMnumzane uMnumzane Wokuhlela Nokuhlola, ama-US Federal Poverty Guidelines asetshenziselwa ukucacisa ukufaneleka kwezezimali kwezinye izinhlelo zikahulumeni.