Abanye abantu manje banezinyanga ezingu-3 zesikhathi somusa ngama-premium angaphezu kwesikhathi
Ngaphambi koMthetho Wokunakekelwa Ongathintekayo (ACA), kuthiwa bekhululekile ukubeka imithethonqubo yabo ngokwezikhathi zomusa womshuwalense wezempilo yomshuwalense, futhi izinsuku ezingu-30 zivame ukuba yisikhathi somusa esivame kakhulu. Lezo zimiso zombuso zisendaweni, kodwa manje zisebenza kuphela kubantu abangatholi izinsizakalo ze-premium ngokusebenzisa ukushintshaniswa .
Ekupheleni kwesikhathi sokubhalisa sika-2016, kwakukhona abantu abayizigidi ezingu-10,6 abathola izinsizakalo ze-premium ukuze bachithe izindleko zokuthengwa ezithengiwe ngezingxoxo.
Kulaba bantu, kunenkathi yomsindo wezinyanga ezintathu ze-premium, uma nje bekhokha i-premium yabo ngesikhathi ( nansi umbhalo we-ACA wale nhlinzeko ).
Ukuthi isikhathi somusa sisebenza kanjani
Uma ungayitholi insizakalo ye-premium (okungukuthi, unehlelo lempilo oyithenge ngaphandle kokushintshaniswa, noma uthenge uhlelo lokushintshanisa kodwa ukhokha inani eliphelele kulo), isikhathi sakho somusa sisabuswa yimigomo yombuso wakho, futhi uzobe ephrintiwe emithwalweni yakho yomshuwalense wezempilo. Isikhathi somusa sezinsuku ezingu-30 sivame kakhulu kulokhu, okusho ukuthi uma imali yakho yokuqala ka-Meyi ingu-Meyi 1, uzoba kuze kube sekupheleni kukaMeyi ukukhokha imali yakho. Uma ungenjalo, ukusakazwa kwakho kuzopheliswa isikhathi sokuqala kusukela ngo-Ephreli 30 (kusukela ukhokhe ngo-Ephreli, kodwa hhayi ngoMeyi).
Kodwa uma uthola insizakalo ye-premium, unezinyanga ezintathu zomusa (inothi ukuthi isibonelelo sithunyelwa ngqo kwinkampani yomshuwalense, kunokuthi kuwe).
Asikho isikhathi somusa ngenyanga yokuqala yenyanga - kufanele ikhokhwe ngosuku olufanele ukuze kusebenze inqubomgomo. Kodwa njengoba ucabanga ukuthi ukhokhele inyanga yokuqala, izinkokhelo ze-premium ezalandela zifanelekela isikhathi sezinyanga ezintathu zomusa.
Ngakho uma ungakhokhi imali yakho yokuqala ka-June, isikhathi sakho somusa sizoba ngoJuni, Julayi, no-Agasti.
Ukushintshaniswa kuzoqhubeka nokuthumela imali yakho yenkampani yakho yomshuwalense kulezi zinyanga ezintathu; ingxenye yakho yamaphrimiyamu izoba yingxenye eyedlule-ngenxa.
Uma uthola amaphrimiyamu akhokhelwa ekupheleni kuka-Agasti, ukufakwa kwakho kuzoqhubeka ngaphandle kwekhefu. Kodwa uma ungenjalo, ukufakwa kwakho kuzoqedwa kabusha, kodwa kuphela ekupheleni kukaJuni, naphezu kokuthi awuzange ukhokhe imali yokuqala ka-June.
Noma yiziphi izimangalo ozenzile ngoJuni zizokhokhwa yinkampani yomshuwalense wezempilo, nakuba kungadingeki ukhokhe izimangalo oziphethe ngoJulayi noma ku-Agasti uma ukufakwa kwakho kokuphela kuphelile ekupheleni kwesikhathi kuJuni (bangabopha kuthiwa angena phakathi nenyanga yesibili nyesithathu yesikhathi somusa, futhi ulinde ukubona ukuthi ubanjwa yini kwi-premium yakho ngaphambi kokuba akhokhe izimangalo).
Kulesi simo - lapho ukukhishwa kwakho kukhanseliwe khona ngenxa yokungakhokhwa kwama-premium ekupheleni kwenkathi yomusa wezinyanga ezintathu - kuzodingeka futhi ukhokhe imali eyayikhokhwa ngenxa yakho ngoJuni. Lokhu kuzosingathwa uma ufaka ukubuyiswa kwentela yakho bese ubuyisana nomxhaso wakho we-premium ne-IRS .
Kungani kukhona isikhathi somusa wenyanga engu-3?
Ngesikhathi i-ACA ibhalwa, abameli beqaphela ukuthi abanye abantu bazoba nezinkinga zokukhokhela izinkokhelo zabo, naphezu kokusizwa kwezibonelelo ze-premium.
Izinsizakalo ze-premium zitholakala kubafakizicelo abanezinzuzo eziphansi njengezinga lobuphofu (138% wezinga lobuphofu emazweni angu-30 nase-DC lapho i-Medicaid isandisiwe khona). Ngakho-ke umndeni wezinkulungwane ezine ongenayo imali engu-$ 35,000 uzothola izinsizakalo ezibalulekile ze-premium, kodwa futhi uzoba necala lokukhokha cishe amaphesenti amathathu noma amane omholo wabo ngenhloso yokulinganisa endaweni yabo.
Inkinga yukuthi abantu abanemali ephansi kakhulu bangase balwele ukuza nesabelo sabo se-premium. Futhi ngaphansi kweziqondiso ezivamile zombuso, ukufakwa kwazo kuzokhanselwa ngokuvamile uma i-premium yabo idlulile inyanga.
Lokhu kuhlanganiswa yiqiniso lokuthi i-ACA ivumela kuphela abantu ukuba babhalise ngesikhathi sokubhaliswa ngonyaka ovulekile , noma uma benomcimbi ofanelekayo . Ukulahlekelwa kokufakwa komcimbi kuyisenzakalo esifanelekayo, kodwa hhayi uma kwenzeka ngenxa yokungakhokhwa kwama-premium. Ngakho-ke abantu abanokuqhathaniswa kwabo kokuqedwa ngenxa yokungahlawulisi ama-premium ngokuvamile kufanele balinde kuze kube yisikhathi sokubhalisa esilandelayo sokubhalisa ekubhaleni. Isikhathi somusa sezinyanga ezintathu sibahlinzekela kancane kancane nokuvikelwa kunalokho okungenzeka babe nakho.
Lokhu kusiza ukubhekana neqiniso lokuthi abanye abantu banezinzuzo ezishintsha ngokuphawulekayo, kanti futhi ukuthi imali engenayo iyancipha kakhulu ekugcineni kwe-spectrum engenayo. Abhalisa abangenayo imali ehlaselwa kwizinga le-Medicaid lokufaneleka bazokwazi ukuxhumana nokushintshaniswa bese beshintshela eMedicaid ngaleso sikhathi (becabanga ukuthi basesimweni esiye savuma ukuxhasa ngemali yokwandisa iMedicaid ngaphansi kwe-ACA). Kodwa ababhalisile abahlala ezingeni elifanelekayo lenkxaso babe nefasitela lezinyanga ezintathu ukuze babanjwe ingxenye yabo yamaphrimiyamu uma kwenzeka kwenzeke ngemuva kwesikhathi ngesikhathi sonyaka.