Kusiyanitsa Mfundo Zochokera Kumtundu
Ngati mwakhala mukusamalira inshuwalansi zaumoyo pa miyezi ingapo yapitayi, mwinamwake mwakhala mukuwona nkhani zina zochititsa mantha za 2017 inshuwalansi ya inshuwalansi. Pano pali zomwe muyenera kudziwa kuti muyike mfundozo
Mutuwu Uli ndi Msika Wokha
Pafupifupi mitu yonse yowona maso yakhala ikukhudzana ndi malipiro a inshuwalansi ya umoyo pamsika.
Ndiko kumene anthu amagula inshuwalansi yawo yeniyeni ngati alibe mwayi wopita ku boma ( Medicaid , Medicare , CHIP , etc.).
Malinga ndi kafukufuku wolembedwa ndi ACA Signups mu March 2016, msikawu umaphatikizapo anthu 18.2 miliyoni kapena pafupifupi 5,6 peresenti ya anthu onse a United States.
Ngati mutapeza inshuwaransi yanu kuchokera kwa abwana anu, kapena pulogalamu ya boma, chiwerengero chanu chikuwonjezeka chaka cha 2017 sizinthu zomwe zakhala zikulemba mutu uno m'nyengo yachilimwe (ngakhale kuti ndondomeko ya kafukufuku wa pulezidenti yaing'ono ikuchitidwa nthawi imodzi, kuwonjezeka kwa mayiko ambiri ndi ofooka kwambiri kuposa momwe chiwerengerochi chimawonjezerekera pa msika wina aliyense).
Pa ACA Signups, Charles Gaba wakhala akutsatira kuwonjezeka kwa chiwerengero cha chaka cha 2017 ndipo amawalemetsa pogwiritsa ntchito gawo la msika wa wogulitsa. Chotsatira-chakumapeto kwa July, kudera 37 ndi District of Columbia-pafupifupi pafupifupi 23 peresenti.
Koma kachiwiri, izo zimangogwira ntchito pamsika wokha; Kwa anthu oposa 94 peresenti a ku America, malingaliro omwe akukwerawo akuwonjezeka sakugwiranso ntchito.
Mitengoyo Siimatha
M'madera onse a boma, olamulira akuwerengabebe za mitengo yomwe a inshuwalansi a zaumoyo adayitanitsa mu 2017. California ndi Oregon adamaliza kukambirana kwawo pa July 2016, koma maiko ambiri sadzatha kumaliza ntchito mpaka September kapena Oktoba.
M'madera anayi (Missouri, Oklahoma, Texas, ndi Wyoming), boma likuyang'anira ndondomeko yowerengera misika ya magulu a anthu ndi aang'ono (Alabama adadziwerengera zokhazokha kuyambira April 2016, ndipo Missouri adzayamba Kuchita ndondomeko yake yowerengera ndondomeko kuyambira mu 2017).
Maiko ena onse ndi District of Columbia amayendetsa ndondomeko yawo, koma kuchuluka kwa ndemanga zawo kumasiyanasiyana kwambiri kuchokera ku mayiko osiyanasiyana.
Ambiri amatsutsa ndemanga za anthu ponena za kuchuluka kwa ndalama zomwe akufuna, ndipo ena amamvetsera anthu kuti akambirane zofuna zawo ndikusonkhanitsa maganizo ochokera kwa ogula.
Otsogolera Osakhala ndi Magetsi Amatsenga
Ngakhale kuti chiwerengero cha inshuwalansi chaumoyo chofunidwa chikuyendetsedwa ndi olamulira, chiŵerengero chovomerezeka chikuwonjezekabe chikhoza kutha kuposa momwe ogula angayang'anire. Ngati chiwerengerochi chikayamikiridwa mwachilungamo chifukwa cha ndalama zothandizira, pali ochepa omwe otsogolera angathe kuchita kuti athetse malipiro awo.
Ngakhale kuti boma ndi boma likugwiritsa ntchito inshuwalansi kuti liwone ngati ali olondola, ena amanena kuti alibe mphamvu zotsutsa kapena kusintha (mwina kapena pansi, malingana ndi deta) kuti awonetse ngati akusowa chilungamo.
Zomwe boma likuyenera kuti liwonetsetse kuti ndondomekoyi ndiyomwe anthu otsogolera akuyendera zomwe zimaperekedwa ndi zikalata zovomerezeka, ndikudziwitseni ngati ziwerengerozo zili zolondola. Ngati iwo sali, nkhaniyo imaperekedwera kwa inshuwalansi ya umoyo, ndipo ngati inshuwalansi ikuyamba kuyendetsa phindu latsopanolo popanda kusintha, olamulirawo amadziwitsa anthu kuti mitengoyo siyolondola. Koma maiko ambiri ali ndi njira zowonjezera zowonongeka zomwe zimapatsa olamulira kuti azikhala ndi mphamvu zowonongeka ngati ziwerengero zoyenera zikusinthidwa musanavomerezedwe.
Komabe, malamulo a boma angasinthe ndondomekoyi ngati mitengoyo siyikulondola ndi deta.
Monga momwe ndalama zowonjezera zimawonjezeredwa, motero chithandizo cha inshuwalansi yaumoyo.
Ogwiritsira ntchito zaumoyo m'magulu amodzi ndi aang'ono angagwiritse ntchito ndalama zosachepera 80 peresenti ya ndalama zothandizira pa zachipatala ndikukweza ubwino wathanzi (kwa magulu akuluakulu, chiwerengero cha ndalama zokwana 85 peresenti). Ngati mabakiteriya amathera zambiri kuposa momwe amavomerezera pazindondomeko, amayenera kupereka zopereka zawo kwa olembetsa awo .
Pamene olemba zaumoyo amawonetsa ndalama za chaka chomwe chikubwera, amadziwa kuti deta idzayang'aniridwa ndi olamulira asanayambe kukonzekera kugula, ndipo akudziwanso kuti ndalama zawo zogulira ndalama zotsutsana ndi ndalama zoyendetsera ntchito zidzasanthuledwa pakatha chaka .
Mwachidule, inshuwalansi zaumoyo sangathe kugulitsa malingaliro pa mtengo uliwonse umene iwo amakonda. Koma ngati chiwonetserochi chikusonyeza kuti ndalama zowonjezera sizikugwirizana ndi ndalama zowonongeka, asungweli alibe chochita koma kuonjezera malipiro. Ndipo ngakhale m'mayiko omwe ali ndi mapulogalamu olimbitsa thupi kwambiri, otsogolera alibe chochita koma kuvomereza kuwonjezeka kwa mlingo wokhalapo ngati akuvomerezeka.
Zothandizira Zidzasokoneza Maulendo Owerengeka a Anthu Mamiliyoni
Zothandizira zapadera ndizoyala lachitsulo cha "mtengo wodalirika" wa Affordable Care Act (ACA). Ngakhale ngati chiwerengero chovomerezeka chomaliza chikafika poti chiwerengero cha 23 peresenti chimafika padera, ndalama zothandizira ndalamazo zidzathetsa chiwerengero chachikulu cha kuchuluka kwake.
Kuyambira pa 31 March, 2016, anthu oposa 11 miliyoni adalembedwa kudzera mu inshuwalansi ya umphawi m'dziko lonse lapansi, ndipo 84.7 peresenti ya iwo akulandira thandizo la ndalama. Kwa anthuwa-komanso anthu omwe angoyamba kulandira ndalama zothandizira ndalama mu 2017-ndalamazo zimachepetsera mtengo wa ndondomeko ya malire yomwe iliyeso yotsika mtengo pansi pa ACA.
Pakafika pfumbi pazikwera zatsopano za 2017, ndondomeko yachitsulo-ndondomeko yamtengo wapatali ya siliva-m'deralo lidzatsimikiziridwa. Ngati mtengo wapadera wa ndondomekoyi ndi wapamwamba mu 2017 kuposa momwe zinaliri mu 2016, ndalama zambiri zothandizira padzakhalanso, monga momwe anachitira mu 2016 .
Zidzakhala zofunikira kuti anthu ochita nawo masewerawo asinthe ndalama zawo kuti abwerere ku akaunti zawo panthawi yolembera ndipo onetsetsani kuti palibe njira yatsopano yoperekera ubwino wa 2017. Ndipo ngakhale kuti kuwonjezeka kwapadera kwa dongosolo linalake kungakhale kokwera kwambiri, Anthu amderalo adzawonjezeka kwambiri ngati ndondomeko yachitsulo ikukhala ndi kuwonjezeka kwa mtengo wamtengo wapatali (kukumbukira kuti ndondomekoyi ingakhale dongosolo latsopano, ndilo ndondomeko ya siliva yomwe imakhala yotsika kwambiri padera, ndipo osati kwenikweni dongosolo lomwelo chaka ndi chaka).
Chifukwa cha njira zomwe zingagwiritsire ntchito malingana ndi momwe mitengo yawo ikugwirizanirana ndi chaka ndi chaka, palibe njira yodziwira kuti mukupindulabe pulogalamu yothandizira popanda kubwereranso ku akaunti yanu yosinthanitsa ndikuyerekeza Ndondomeko yanu yamakono yomwe idzakhalapo pa chaka chomwe chikubwera (kugula pazenera kumapezeka pakatha sabata yoyamba kutsegula, koma ndondomeko zonse za 2017 zidzakhala kupezeka ndikusaka ndi / kapena kugula kuyambira pa November 1, 2017).
Kusinthana Kwachitsulo
Ngati mwalembetsa pa mgulane umodzi wa inshuwalansi zaumoyo kunja kwa mgwirizano (kapena ngati muli ndi ndondomeko yosinthanitsa koma mumalandira ndalama zothandizira ndalama), mungakhale mukukumana ndi kuwonjezeka kwakukulu kwa 2017, malingana ndi kumene mukukhala ndi amene amagwiritsa ntchito inshuwalansi ya umoyo.
Ngati pali mwayi uliwonse kuti mutha kupereka ndalama, mungakonde kuganizira zomwe mungasankhe posinthanitsa. Ma glitches omwe anatsutsana nawo mu 2013 ndi 2014 ali otsimikizika kwambiri, ndipo kusinthanitsa ndi malo okhawo omwe mungapeze thandizo lapadera.
Ngati palibe njira yomwe mungagwiritsire ntchito ndalama, mungathe kugula kapena kuchotsa kusinthanitsa, koma mukufuna kufanizitsa zosankha zomwe zilipo panthawi yolembera, m'malo molola kuti pulogalamu yanu yatsopano ikhale yatsopano.
> Zotsatira:
> Magulu a Medicare ndi Medicaid Services, Center for Information Consumer Information ndi Inshuwalansi. Ndondomeko Zowonetsera Mapulogalamu a State.
> Magulu a Medicare ndi Medicaid Services. March 31, 2016 Snapshot yolembetsa yosinthika.