Zochitika zoyenera zimayambitsa nthawi yolembera yapadera
Kutsegula ku sukulu ya inshuwalansi payekha pa January 31. Nthawi zambiri, ndondomeko idzasintha ndi kulembedwa kwa atsopano kwa 2016 zitha kukwanilitsidwa ngati muli ndi chiyeneretso, ngakhale kuti Amwenye Achimerika angathe kulembetsa chaka chonse mu dongosolo mwa kusinthana (Kulembetsa kwa Medicaid ndi CHIP kumakhalanso chaka chonse).
Mawindo olembera olembawo akugwiritsidwa ntchito pokhapokha ndikusiya kusinthanitsa , ndipo zochitika zoyenerera ndizofunikira ngati mukulembera kunja kwa olembetsa, mosasamala kanthu kuti mukugula malingaliro anu kupyolera kusinthanitsa kapena mwachindunji kuchokera ku inshuwalansi ya chithandizo Zothandizira zimapezeka pokhapokha ngati mutalembetsa kudzera mwachindunji, ngati mukukayikira, ndondomeko yosinthanitsa ndi yabwino kwambiri, chifukwa ikukupatsani mwayi wakufunsani ndalama zowonjezereka ngati ndalama zanu zitha kukhala zochepa kuposa momwe mukuganizira) .
Nchifukwa chiyani kulembetsa kuli kochepa?
Msika wa munthu aliyense uyenera kukhala ndiwindo lolembera laling'ono chifukwa zofalitsa tsopano zatsimikiziridwa kwa onse ofuna, mosasamala kanthu kuti ali ndi zinthu zomwe zakhalapo kale. Windo lolembera la pachaka loletsa anthu kuti asamayembekezere mpaka atadwala kuti akagule. Koma nthawi zina, anthu amakhala ndi chiwonetsero cha moyo - osati kudwala! - zomwe zimafuna kuti athe kulemba ndondomeko yatsopano yaumoyo kunja kwa kulembera kwapafupi.
Ndi pamene nthawi yolembera yapadera imabwera. Iwo akhala akugwiritsidwa ntchito ntchito kwa ogulitsa-inshuwalansi ya malonda inshuwalansi, ndipo tsopano iwo ali mbali ya msika pawokha nayenso. Ndipo ngakhale pali zambiri zomwe zimayambitsa nthawi yolembetsa, palinso zochitika zina zomwe zimakhala zosiyana ndi msika pamsika wotsika mtengo wa Care Act.
Nchiyani chofunika ngati choyenera?
Pali mndandanda waukulu wa zochitika zomwe zidzakuthandizani kuti mulembetse mu ndondomeko kapena kusintha kwa dongosolo lina kunja kwa kulembetsa.
Kawirikawiri, iwo ali ndi malamulo odziwika bwino, ndipo sangagwiritse ntchito kwa anthu omwe amangosintha maganizo awo pazomwe akufunikira inshuwalansi ya umoyo panjira kudutsa chaka. Ndipo nkofunika kuzindikira kuti HHS yatsimikizira njira zowonjezera chaka chino - ngati mukulembera pogwiritsa ntchito zoyenerera, khalani okonzeka kupereka umboni wokwanira.
Koma ngati mukumane ndi zochitika izi, mudzakhala ndi nthawi yapadera yolembetsa, yomwe nthawi zambiri imakhala masiku 60 (nthawi zambiri, kufotokozera kumakhala koyambirira pa mwezi wotsatira mutangoyamba kulemba ndi 15 mwezi, ngakhale pali zosiyana ndi zina zochepa zomwe zapita nthawi):
- Kutayika kwina . Ndondomeko yomwe mukutayira iyenera kuonedwa kuti ndi yochepa yofunikira (mwachitsanzo, izo sizingakhale ngati ndondomeko ya nthawi yayitali kapena kupatsirana kwa ngozi). Ndipo kutayika kwa kufalitsa sikungakhale chifukwa cha kusalipira malipiro, kubwezeretsa, kapena kudziletsa. Kotero izi zikugwiritsidwa ntchito pa zochitika monga dongosolo lanu la thanzi lomwe likuchokera pamsika, kapena kutaya mwayi wopezera ntchito ya abwana chifukwa cha kusudzulana, kusiya ntchito, ndi zina zotero (ngakhale mutapatsidwa COBRA , muyenerabe kukhala olembetsa wapadera nthawi yomwe mungagule ndondomeko yaumwini mmalo mwake). Muli ndi masiku makumi asanu ndi limodzi (60) musanafike ndi masiku makumi asanu ndi limodzi (60) mutatha kutayika kumene mungathe kulembetsa dongosolo latsopano. Nthawi yolembetsa yapaderayi ikugwiritsidwa ntchito kwa anthu ambiri omwe anataya chithandizo pazifukwa zosiyanasiyana kumapeto kwa 2015 .
- Kukhala wodalirika kapena wodalirika chifukwa cha kubadwa, kulandiridwa, kapena kusungidwa mu chisamaliro cha abambo. Ngati muli ndi mwana, nthawi yanu yolembera imayamba tsiku limene mwana wabadwa, ndipo kufotokozera kungabwererenso nthawi ya kubadwa kwa mwana. HHS yapanga nthawi yolembera yapadera yomwe ikugwiritsidwa ntchito kwa anthu omwe banja lawo limasintha pa zifukwa zina, kuphatikizapo kusudzulana kapena imfa ya munthu wodalirika (onani kuti pamene kubadwa kwa mwana ndi choyenerera, mimba si- kupatula ku New York).
- Ukwati . Ngati mwakwatirana, nthawi yanu yolembera yapadera ya masiku 60 imayamba tsiku laukwati wanu, ndipo kulumikizidwa kudzakhala koyamba mwezi woyamba mutatha kulemba kwanu, mosasamala za tsiku limene mwalembetsa.
- Kukhala nzika ya US . Nzika zatsopano za US zimapatsidwa mwayi wolembetsa nthawi yapadera, ngakhale kuti zimagwiritsidwa ntchito pokhapokha ngati zosagwirizana - zopanga zosinthanitsa sizinayenera kulembetsa anthu chifukwa cha zofunikirazi, ngakhale angasankhe kuchita zimenezo.
- Kusunthira kwamuyaya ku dera lomwe mapulani osiyanasiyana azaumoyo alipo . Kusamuka sikungakhale kanthawi kochepa, ndipo zina mwazinthu zaumoyo zomwe zilipo kumalo atsopano ziyenera kukhala zosiyana ndi zomwe zinalipo kale. HHS inafotokoza posachedwapa kuti kupita kuchipatala kukachiritsidwa kumalo atsopano sikuyenera kukhala kusuntha kosatha. Ndipo pofika mwezi wa July 2016, kusunthira kwamuyaya kudzangotenga nthawi yolembera yapadera ngati mutakhala ndi zofunikira zochepa zofunikira pakapita masiku makumi asanu ndi limodzi musanatuluke. Mwa kuyankhula kwina, simungathe kupita osatonthozedwa ndikupeza kufotokozera ndikusamukira kumalo atsopano pamene mukusowa chithandizo chamankhwala (paliponse kwa anthu omwe amamasulidwa kundende, kuchoka ku kusiyana kwa Medicaid , kapena kubwerera mmbuyo ku US atakhala kunja).
- Ndondomeko yaumoyo yatsopano ya moyo watsopano imachokera kunja kwa kulembetsa . Pansi pa ACA, ndondomeko zatsopano zimatha pa chaka cha kalendala, ndipo zonse zimatsitsimuka pa January. Koma zidzukulu zazikuluzikulu ndi zidzukulu zikhoza kukhala ndi nthawi yatsopano pa nthawi iliyonse ya chaka. Ngati ndondomeko yanu ikukonzekera kubwezeretsedwanso kunja kwa olembetsa, mumaloledwa kusinthana ndi dongosolo la ACA-lovomerezeka m'malo mokonzanso ndondomeko yanu yomwe ilipo.
- Cholakwika kapena vuto la kulembetsa zomwe sizinali zolakwika (mwachitsanzo, zinayambitsidwa ndi kusinthanitsa, kapena ndi olembetsa kapena wothandizira inshuwalansi). Kusinthana ndi / kapena wothandizira angathe kulembetsa wofunsira kunja popanda kulembetsa kuti athetse vutoli.
- Ndondomeko yolandirira ogwira ntchito imakhala yosavomerezeka kapena sapereka mtengo wapatali . Mu 2016, ndondomeko zogwiritsidwa ntchito ndi ogwira ntchito zimayesedwa zokwanira pokhapokha ngati gawo la wogwira ntchitoyo liyenera kukhala lopanda malipiro (chifukwa cha ntchito yongogwira ntchito - osati kuwerengera mtengo wogulira odalira ) sizoposa 9,66% za pakhomo. Ngati ndondomeko ya abwana imakhala yosayenerera pakatikati pa chaka (mwina chifukwa chakuti ndalama za antchito zikuwonjezeka, kapena chifukwa cha ndalama za wogwira ntchito), wogwira ntchitoyo amakhala ndi nthawi yolembera yapadera. Nthawi yolembetsa yapadera imagwiranso ntchito ngati ndondomeko yomwe akugwiritsira ntchito ntchito ikupepetsanso phindu lomwe silikulembetsanso ndalama zokwanira 60% zomwe zimalembetsa ndalama (mwachitsanzo, mtengo wochepa).
- Muli kusiyana pakati pa dziko lomwe silinayambe Medicaid ndipo ndalama zanu zimakula kufika pa umphawi woposa 100% . Zothandizira zapadera pazotsinthasintha sizipezeka kwa aliyense amene ali ndi ndalama zowonjezera umphaŵi. Mu maiko omwe sanawonjezere Medicaid, anthu omwe ali ndi ndalama zoperewera pa umphawi omwe sali oyenerera Medicaid pansi pa malangizo omwe alipo alibe mwayi wodalirika wa inshuwalansi ya umoyo. Ngati ndalama zawo zikuwonjezeka chaka chonse kuti apeze ndalama zothandizira ndalama zothandizira ndalama, angathe kulembetsa pa nthawiyi.
- Muli ndi ndondomeko ya kusinthanitsa ndipo ndalama zanu zimasintha kotero kuti mwangoyamba kumene kapena omwe simunayambe kugonjera chithandizo. Chochita choyenererachi chimangogwira ntchito kwa anthu omwe atha kale kulembera ndondomeko ya kusinthanitsa.
- Muli ndi ndondomeko ya kusinthanitsa ndipo dongosolo "likuphwanya" mgwirizano wake ndi inu . Pali njira yovomerezeka yolemba zolakwira zakuthupi ndikupempha nthawi yolembera yapadera kuti isinthe pa dongosolo lina.
Kulembetsa koyamba kwa chaka cha 2017 kudzafika pa November 1, 2016 mpaka January 31, 2017. Ngati simukupeza choyenera, mwayi wotsatira wolembetsa udzakhalapo nthawi imeneyo, ndipo tsiku loyambirira lomwe lingakhale lothandizira lidzakhala January 1, 2017. Koma ngati mutakhala ndi zofunikira pa nthawi ina pachaka, mudzakhala ndi mwayi wolembetsa pa nthawiyi.
Zotsatira:
Chikondwerero cha Lawell Chidziwitso, Institute Institute Information Information, 45-CFR-155.420, Nthawi Zowonjezera Zapadera. Inapezeka 4/20/16.
Dipatimenti ya Zaumoyo ndi Zaumunthu, PPACA; Kusinthidwa kwa Nthawi Zowonjezera Zapadera ndi Ogulitsa Ogwira Ntchito ndi Okhazikitsa Mapulani Pulogalamu . Inapezeka 5/25/16.
Dipatimenti ya Zipatala za M'boma , Njira Yowonongeka Kwawo 2014-62 . Inapezeka 5/25/16.