Njira za Inshuwalansi za Umoyo kwa Achinyamata Okalamba Okalamba Pomwe Akukonzekera Makolo
Ngati mukuyandikira zaka 26, mukhoza kupeza mu inshuwalansi ya umoyo. Pansi pa zochitika za ACA, makolo anu sangakuphimbeni pansi pa dongosolo lawo laumoyo mutakhala ndi zaka 26 (ngakhale kuti mayiko amaloledwa kukhazikitsa malamulo awo malinga ngati sakulimbana ndi ACA; Mwachitsanzo, New Jersey amalola achinyamata kukhalabe pa dongosolo la kholo mpaka atatembenuke 31).
Komabe, ali ndi zaka 26, achinyamata ambiri alibe ntchito yodalirika ndi ntchito yopindulitsa nthawi zonse yopereka inshuwalansi ya umoyo.
Ngati izi ndizochitika, muli ndi njira zingapo zoti muthe kupeza inshuwalansi ya thanzi mukakhala ndi zaka 26.
Gulani ndondomeko pa inshuwalansi ya umoyo wanu Kusinthanitsa
Mungagule inshuwalansi ya umoyo pa inshuwalansi ya umoyo wanu. Ngati muli ndi ndalama zochepa, mukhoza kukhala ndi chithandizo cha boma kuti muthe kulipira malipiro a mwezi uliwonse. Kwa munthu mmodzi yekha, kuyenerera kwa ndalama zowonjezera kumapindulira ndalama zokwana $ 47,520 mu 2017, koma kumadera ena, malipiro ali otsika mokwanira kuti ndalama zothandizira ndalama zithera pang'onopang'ono. Muyenera kugwiritsa ntchito chida chogwiritsira ntchito kuti muwone mitengo yeniyeni yomwe mumakhala nayo malinga ndi ndalama zanu.
Malingana ndi zomwe mumapeza, mungathe kukhala oyenerera ndalama zomwe zingakuthandizeni kuti musamapereke ndalama zothandizira (muyenera kusankha ndalama zowonjezerapo kuti muthandizidwe motere; ngati muli oyenerera, chithandizocho chidzasintha kuphatikizapo mukasankha ndondomeko).
Ndalama Zopanda Thandizo Zophatikizapo za inshuwalansi sizikulolani kuti mulembetse inshuwalansi ya umoyo nthawi iliyonse yomwe mumasankha. Kawirikawiri, mumaloledwa kulembetsa nthawi yolembera yomwe imachitika m'dzinja.
Komabe, popeza mutayala inshuwalansi yathanzi chifukwa cha ukalamba mu ndondomeko ya kholo lanu, mudzakonzekera nthawi yowunikira padera mukadzafika zaka 26.
Izi zidzakupatsani masiku 60 kuti mapulani anu asatha-komanso masiku 60 atatha-kulowetsani mu dongosolo laumoyo pazombole ngakhale ngati sikutsegulidwa. Ngati mwaphonya mawindo apadera olembetsa, muyenera kuyembekezera nthawi yotsatira yolembera kuti mugule inshuwalansi ya umoyo pa inshuwalansi ya umoyo wanu.
Dziwani kuti nthawi yolembetsa yapaderayi ikugwiritsanso ntchito kunja kwachitsulo , koma zopereka sizingapezeke kunja kwa kusinthanitsa, kotero sizomwe mungagwiritse ntchito ngati ndalama zanu zikupangitsani inu kupereka thandizo.
Kukhazikika kwa COBRA
COBRA ndi lamulo lomwe limakulolani kuti mupitilizebe inshuwalansi yathanzi kwa miyezi 18-36 mutatha msinkhu wa thanzi la makolo anu, mutaya ntchito yanu, kapena mutasudzulana. Sizinthu zonse zaumoyo zowonjezera zomwe zimapereka chithandizo cha COBRA, ngakhale. Phunzirani ngati dongosolo lanu la thanzi likupatsani COBRA .
Nazi momwe COBRA imagwirira ntchito. Inu kapena makolo anu mudziwitse dongosolo laumoyo limene mudzataya chifukwa cha kutaya chikhalidwe chanu. Ndondomeko yaumoyo imakutumizirani mafotokozedwe akufotokozera momwe mungapitirizire kufotokoza kwanu. Mudzakhala ndi masiku 60 kuti muzisankha kupitiriza kufalitsa kwanu kudzera ku COBRA. Ngati simusankha chisankho chimenecho pamasiku 60, mutaya mwayi wamuyaya.
Muyenera kulipira malipiro a mwezi uliwonse pa chithandizo chanu cha COBRA, ndipo chikhoza kuwononga zambiri . Pakalipano, kholo lanu ali ndi gawo (kapena nthawi zina, zonse) za mwezi uliwonse zomwe zimachokera pamalipiro ake. Koma gawo lina la pulogalamuyi liyenera kuti likugwiritsidwa ntchito ndi abwana anu (ngakhale mabungwe ena amafuna antchito kuti apeze ndalama zonse zowonjezera ogonjera ku dongosolo). Pamene mutenga chithandizo cha COBRA, bwana wanu akuthandizira kuti muyambe kuyambiranso. Muyenera kulipira zonse zomwe kholo lanu likulipira komanso gawo limene abambo anu akulipira.
Kuonjezerapo, mudzayenera kulipira malipiro a 2%.
Mumalipira malipiro a COBRA pamwezi pokhapokha ngati chithandizo chanu cha COBRA chimatha, kawirikawiri miyezi 18. Ngati muphonya kulipira kwa COBRA premium , chithandizo chanu cha COBRA chimatha ndipo simungachibwezeretse. Ngati mutapeza chithunzi china, mukhoza kuchotsa kufalitsa kwanu COBRA nthawi iliyonse yomwe mukufuna. Koma ngati mutenga COBRA, simungathe kupeza nthawi yapadera yolembera pamsika (pamsinthanasinthano kapena kusinthanitsa).
Phunzirani zambiri za chitukuko cha COBRA chochokera ku Dipatimenti ya Ntchito mu "Buku la Wothandizira Ntchito Za Zaumoyo Pansi pa COBRA."
Inshuwalansi ya Umoyo Kupyolera Mu Ntchito Yanu
Ngati mukugwira ntchito ndipo bwana wanu amapereka inshuwalansi ya umoyo, mukhoza kukhala ndi inshuwalansi ya umoyo wanu ngati mutayika inshuwaransi. Ngati simukuganiza kuti mukhoza kulemba inshuwalansi ya umoyo wanu kuntchito chifukwa si nthawi yolembera, ganiziraninso. Kutaya mwayi wa makolo anu kungakuthandizeni kuti mukhale ndi mwayi wapadera wolembetsa kuntchito kwanu, poganiza kuti mukuyenera kulandira chithandizo pa ntchito ya abwana anu. Mudzakhala ndi masiku 30-60 kuti mulembe.
Chifukwa chakuti inu mumapeza ntchito sikutanthauza kuti mudzangokhalira kulandira inshuwalansi ya umoyo kuntchito kwanu. Mwachitsanzo, abwana ambiri amafuna kuti muzigwira ntchito maola ochepa pa sabata kuti mukhale ndi inshuwalansi ya thanzi. Muyenera kukwaniritsa chofunikira chimenecho musanayambe kulemba, ngakhale nthawi yolembera yapadera.
Ngakhale ngati muli woyenerera, inshuwalansi yapamwamba ya ntchito si nthawi zambiri. Wogwira ntchito wanu adzalandira gawo lanu la ndalama zomwe mumalandira mwezi uliwonse kuchokera ku malipiro anu, choncho dikirani ndalama zochepa. Izi zinati, bwana wanu ali ndi gawo limodzi la ndalama za inshuwalansi zaumoyo wanu. Ndi COBRA, mukulipira ndalama zanu zonse. Ndipo ngati mulembetsa ndondomeko kudzera muzengerezi koma ndalama zanu zakhala zazikulu kwambiri kuti musakhale oyenerera ndalama, mungakhale mukulipira malipiro anu enieni.
Medicaid
Ngati malipiro anu ali otsika, mukhoza kulandira Medicaid , pulojekiti yowunikira boma yomwe imapereka inshuwalansi ya umoyo kwa anthu ena ovutika kapena osauka. Muyenera kukhala ovomerezeka m'boma limene mukupempha kuti mupereke chithandizo, ndipo Medicaid sizimapereka chithandizo chokhala ndi alendo ovomerezeka mwalamulo kufikira atakhala ku US kwa zaka zisanu.
Muzitsogozo zina, boma lirilonse liri ndi malamulo ake omwe angayenerere Medicaid ndipo ndani satero. Ngati ndalama zanu ndi 138% za umphawi wa federal kapena kuchepa, mudzayenerera Medicaid m'mayiko 31 ndi District of Columbia. M'mayiko otsala, oyenerera Medicaid ndi ovuta komanso ochepa kwa anthu ovutika monga amayi omwe ali ndi pakati, olumala, osawona, kapena okalamba (onani kuti ngakhale Wisconsin ndi imodzi mwa mayiko omwe sanathetse Medicaid pansi pa ACA, iwo amachita Osakhala ndi malire ochepa, Wisconsin omwe amapeza ndalama zochepa amatha kulandira Medicaid kapena kupereka ndalama zowonjezereka mwachindunji, malingana ndi zomwe amapeza).
Zowonjezera, deductibles, copays, ndi coinsurance nthawi zambiri ndizochepa ngati muli ndi Medicaid. Mapulogalamu ambiri a Medicaid samapereka malipiro alionse (ngakhale ena amachita, kwa olembetsa omwe ali ndi ndalama pamwamba pa umphaŵi), komanso kugawana mtengo (copays, etc.) ndizochepa kwa anthu omwe amalembedwa ku Medicaid.
Phunzirani zambiri za momwe Medicaid ikugwirira ntchito yanu mwa kusankha malo anu pamapu awa.
Thanzi la Ophunzira
Ngati muli ku koleji, mukhoza kukhala ndi inshuwalansi ya umoyo wophunzira pa yunivesite yanu. Mayunivesite ena amafuna kuti mutenge gawo linalake loti mukhale woyenera. Onetsetsani zomwe zafotokozedwa kuti zitheke, kuphatikizapo kufotokozera pamene mutakhala pa tchuthi komanso mwina kunja kwa tauni kwa nthawi yaitali.
Alumni Association, Trade Association, & Other Options
Osayenerera kukhala wathanzi chifukwa chakuti suli wophunzira? Mabungwe ena a alumni amapereka inshuwalansi ya umoyo kwa mamembala awo. Fufuzani ndi gulu lanu la alumni yunivesite.
Wodzilemba ntchito? Yang'anani ndi gulu lanu la zamalonda ngati muli m'gulu la malonda. Yang'anani ndi chipinda chanu cha malonda ngati muli ndi bizinesi yanu. Zina mwa mabungwewa amapereka mapulani azachipatala kwa mamembala awo. Kuwonjezera pamenepo, malonda ang'onoang'ono amatha kugula inshuwalansi ya umoyo kupyolera mukusinthanitsa kwa inshuwalansi ya inshuwalansi ya SHOP.
Mukhoza kufufuza njira zothandizira inshuwalansi zaumoyo akuluakulu akuluakulu omwe akugwiritsidwa ntchito ndi boma lanu. Anthu awa ndi akatswiri pothandiza anthu kupeza njira ya thanzi labwino yomwe ikugwirizana ndi zosowa zawo. Bote lanu lokongola ndi kugwiritsa ntchito broker amene amatsimikiziridwa ndi kusinthana kwanu, kotero kuti mukhoze kuwona zomwe mungasankhe pazochitikazo ndikuonetsetsa kuti mukupeza chithandizo chomwe chili chabwino pazochitika zanu.
Kodi GOP Iyesera Kubwereza ACA Kusintha Zosankha za Achinyamata Aakulu?
Olemba malamulo a GOP akhala akuyesera kubwezeretsa ACA kuyambira pomwe adakhazikitsidwa, ndipo akhala akutsatira lamulo la 2017 lomwe lidzachotsa kapena kusintha mbali zosiyanasiyana za lamulo. Cholinga cha ACA chomwe chimalola achinyamata kuti azikhalabe pa dongosolo la thanzi la makolo mpaka zaka 26 zikuwoneka kuti ndibwino ngakhale palibe zifukwa zazikulu zomwe ayesa kusintha kapena kuchotsa gawolo la ACA.
Koma bilo yomwe a Senate Republican adayambitsa (Better Care Reconciliation Act, kapena BCRA) idzabweretsa ndalama zowonjezereka za anthu omwe akugula inshuwalansi yawo yaumoyo (posinthanitsa kapena kusinthanitsa). GOP kubwezera kuyesayesa kungapangitsenso kupeza ndalama zochepa zomwe amapatsidwa ndi antchito ang'onoang'ono , malingana ndi njira zomwe akuyendera pokonzanso chithandizo chaumoyo.
> Zotsatira:
> Senate.gov, HR1628, Act Career Reconciliation Act ya 2017 , Zokambirana Zokambirana. July 20, 2017.