Indlela Yokuthola I-Individual Health Insurance Plan
Kwabathengi abathile, ukuthenga umshuwalense wezempilo ngabanye kuyindlela yokwelashwa kuphela. Kodwa-ke, noma ngabe unomshuwalense wezempilo kusuka kumqashi wakho, inqubomgomo yomshuwalense wezempilo yomndeni / yomndeni ingase ibe yindlela yokugcina imali. Njengoba izinkokhelo zomshuwalense wezempilo zikhula njalo ngonyaka futhi abaqashi bedlulisela izindleko ezengeziwe kubasebenzi babo, umshuwalense wezempilo wenkampani yakho angeke kube yinto enhle kakhulu.
Ngokusho kweKaiser Family Foundation, ngo-2016, isisebenzi samantombazane saseMelika esinomshwalense wezempilo oxhaswe ngumqashi sanikeze u-$ 1,129 isisetshenziswa sezempilo esisodwa kanye no-$ 5,277 ohlelweni lwempilo yomndeni. Njengoba lokhu kuphakathi, abanye abasebenzi bangase bakhokhe okungaphezulu (abaqashi bakhokhela iningi lama-premiums, okwabalelwa ku-$ 6,435 kwabasebenzi abangashadile kanye no-$ 18,142 ukuze kutholakale umndeni).
Thenga ku-Intanethi ukuze uthole i-Premium Insurance Insurance Premium
Thenga ezungeze ku-intanethi ubone ukuthi ungathola inqubomgomo yomshuwalense wangasese owanikeza ukuhlinzekwa okudingayo kodwa engabizi kakhulu kunakhokhelo oyikhokhela emsebenzini.
Indawo enhle yokuqala i-HealthCare.gov. Lena yomshuwalense wezempilo owenziwe yi-The Patient Protection and Affordable Care Act , futhi iyisitolo esisodwa sokumisa amapulani omshuwalense wezempilo emakethe (inothi ukuthi ukushintshanisa ngokwayo kuqhutshwa uhulumeni, kodwa izinhlelo zezempilo ezithengiswa ukushintshaniswa konke kuyimfihlo, kusukela ezinkampanini zomshuwalense wezempilo osujwayele kakade).
Abantu abayizi-39 basebenzisa i-HealthCare.gov ukuze babhalise izinhlelo zomakethe. Amanye angu-11 athi futhi iSithili sase-Columbia sinokuhwebelana ngokusemthethweni, futhi uzoqondiswa kumasayithi abo kusuka ku-HealthCare.gov uma ukhetha isimo sakho.
Enye indawo yokufuna ulwazi lwezinketho zezempilo empilweni yakho yi-ehealthinsurance.
Le nkampani e-intanethi inikeza ulwazi nokufinyelela kuma-1000s amapulani womshuwalense wezempilo futhi ilayisensi kuzo zonke izifunda ezingu-50 nesifunda sase-Columbia. Ngisho noma ungayithengi umshuwalense ngabo, i-ehealthinsurance yindawo enhle yokufuna uhlelo lwezempilo futhi uthole umqondo wokuthi zingaki izinhlelo ezitholakala kuhulumeni wakho nokuthi zibiza kangakanani. I-ehealthinsurance ingakubonisa amapulani ayatholakala ngaphandle kokushintshaniswa , kanye nezinketho zokushintshaniswa.
Qaphela ukuthi zonke izinhlelo zamakethe zodwa, kungakhathaliseki ukuthi zithengisiwe ekushintsheni noma cha , zine iwindi lokubhalisa lonyaka elivulekile . Uma uthengisa ngaphandle kokubhalisa okuvulekile, kuzodingeka ube nomcimbi ofanelekayo ukuze ubhalise.
Ukuthenga Indlela Yomuntu / Yomndeni Kungasiza
Phakathi kwabasebenzi ezinkampanini ezincane (abasebenzi abangaba ngu-199) abanomshwalense wempilo yomndeni, amaphesenti angama-34 akhokhela ngaphezu kwengxenye yomshuwalense wabo wempilo yomshwalense wezempilo njengomndeni wokukhishwa kwamaholo (nomqashi akhokhela okusele).
Njengoba isilinganiso sokuqala somndeni singaphezu kwamaRandi angu-18,000, abasebenzi abaningi bakhokha imali engaphezu kwezingu-$ 9,000 ngonyaka ukuze bazihlanganise nabo nemindeni yabo. Ezinye zabasebenzi zingase zenze kangcono ukuthenga umshuwalense wazo. Ngokwesibonelo:
U-Doug Jones usebenzela inkampani encane ehlinzeka uhlelo lwe-inshuwalense yezempilo ye-PPO (nge- deductible ye $ 1500 ngonyaka) kubasebenzi nomndeni wabo. Ngenxa yokuthi i-down-down yamuva ishintshe emnothweni, inkampani kaDoug yenyusa isabelo sayo somndeni ngenyanga ka-60%, okubiza uDoug cishe u-$ 950 ngenyanga.
UmkaDog usebenza isikhathi esithile njengomuntu wezincwadi zokufunda futhi akanakho inzuzo yomshuwalense wezempilo. AmaJones anezingane ezimbili ezineminyaka engu-7 no-10. Wonke amalungu omndeni amane aphilile futhi abe nempilo enempilo.
Ezingxenyeni eziningi, ngaphambi kuka-2014, uDoug kungenzeka ukuthi uthole ukuthengwa kwemithi yomshuwalense ngempilo emakethe yomshuwalense wempilo ngayinye ukuba ibe kubi kakhulu kunecebo lakhe elisuselwa emsebenzini. Kodwa i-ACA ivinjelwe izinkampani zomshuwalense wezempilo ngokucabangela umlando wezokwelapha zabafaki izicelo lapho beka amanani futhi benquma ukufaneleka kokuthola.
Ngenxa yalokho, umehluko emanani phakathi kwamalungiselelo womuntu ngamunye / womndeni kanye nezinhlelo ezixhaswe ngumqashi zinciphile. Izinhlelo zamakethe zomuntu ngamunye zibiza kakhulu kunezikhathi eziningi, nakuba kubhalisiwe abaningi, izinkokhelo zentela (premium tax credits) zichitha imali enkulu kakhulu, okwenza ukukhokhelwa kungabizi.
Ngeshwa kuDoug, yena nomndeni wakhe cishe abafanelekile ukuthola izinsizakalo ze-premium. Uma nje udaba lukaDug ngokwakhe (ngaphandle komndeni wakhe) lubhekwa njengengabizi futhi lunikeza inani elincane, yena nomndeni wakhe abafanelekile ukuthola usizo. Lokhu kwaziwa njenge- glitch yomndeni .
Kodwa-ke, bangase bakwazi ukuthola uhlelo olubi kakhulu emakethe yomuntu ngamunye / umndeni, ngisho nokukhokha inani eligcwele lama-premium. Ngokuqinisekile kuzoba ne-deductible ephezulu neyokuphuma ngaphandle kwe-pocket umklomelo kaDoug, kodwa lokho kungase kube ukuhweba okushiwo umndeni.
Qonda Izinketho Zakho; Funda Iphrinta Elihle
Uma ufanelekile ukubhalisa ohlelweni lomuntu / lomndeni (noma ngesikhathi sokubhalisa okuvulekile noma ngenxa yomcimbi ofanelekayo) futhi ufuna ukwenza ushintsho, qiniseka ukuthi uqonda ngokugcwele izinzuzo kanye nokulinganiselwa kohlelo ngalunye kuqhathaniswa ohlelweni lwakho olusekelwe kumqashi.
Izinzuzo zihluke kanjani? Yini ongayithola enkampanini yezindleko zangaphandle uma ulimala noma ugula kakhulu? Lokhu kuqhathaniswa kanjani nokuchayeka kwakho okuphuma ngaphandle kwepulani exhaswe ngumqashi? Ingabe odokotela bakho kwinethiwekhi yecebo ngalinye? Uzocabangela ngokucophelela zonke lezi zinto ngaphambi kokushintsha, futhi uhlale ukhumbule ukuthi ngeke ukwazi ukujoyina uhlelo lomqashi wakho kuze kufike iwindi lokubhalisa elivulekile elihlinzekwa ngumqashi wakho.
Uma ufaka isicelo somshwalense wezempilo ngamunye, ungakhansela noma iyiphi inkokhelo yomshuwalense wezempilo okwamanje kuze kube yilapho uthola incwadi yokugunyazwa nenqubomgomo yomshuwalense, noma inkontileka evela ohlelweni lwezempilo ozikhethile.
Ngaphambi kokuba wenze noma yikuphi ukuzibophezela, buyekeza ngokucophelela inqubomgomo entsha yomshwalense.
Kubuyekezwe nguLouise Norris.
> Imithombo:
> Kaiser Family Foundation, Izinzuzo zezeMisebenzi zabaSebenzi, 2016 Ukufingqa kokuthola .