Ndondomeko ya umoyo wa mkuwa ndi mtundu wa inshuwalansi ya umoyo, yomwe imabweretsa ndalama zambiri, 60 peresenti ya ndalama zothandizira anthu odwala (koma izi ndizowerengeka pazolembera zonse-kuchuluka kwa ndalama zomwe ndondomekoyi ikukhudzidwa idzasintha mosiyanasiyana malinga ndi mukusowa chithandizo chamankhwala ambiri chaka, kapena osati mochuluka). Olembawo amapereka zina 40 peresenti ya ndalama zawo zonse zothandizira zaumoyo pogwiritsa ntchito mapepala, ndalama zothandizira , komanso zopereka ndalama .
Kutsimikiza ngati ndondomeko ikukwera mu mndandanda wa mkuwa wokhudzana ndi chidziwitso, ndikufotokozera apa mwatsatanetsatane . Ndondomeko zamkuwa zimapezeka misika ya inshuwalansi ya munthu aliyense kapena yaing'ono , pogwiritsa ntchito ndalama kapena kusinthanitsa.
Mmene Mungagwirizanitse Mapulani
Kuti mukhale ovuta kuyerekezera kuti mukupeza ndalama zotani pa ndalama zothandizira inshuwalansi zaumoyo, Zopindulitsa za Care Act zikulingalira zapadera pazinthu zamagulu ndi magulu ang'onoang'ono azaumoyo m'magulu anayi. Mabomba amenewa ndi amkuwa, siliva, golide, ndi platinamu.
Zolinga zamagulu zonse zapadera zomwe zimaperekedwa zimapereka mtengo womwewo, ngakhale kuti zikhoza kusinthasintha pakati pa 2 + -2 de minimus range (zowerengeka zawonjezeka kufika + 2 / -4 ya 2018, ndipo mapulani a bronze ali ndi minimus yambiri mndandanda wa 5 / -4; ichi chinali gawo la malamulo ogwirizanitsa msika omwe HHS anamaliza mu April 2017).
Malinga ndi ndondomeko ya mkuwa, pafupifupi actuarial mtengo ndi pafupifupi 60 peresenti.
Koma ndi zovomerezeka za minimus, mapulani a 2018 omwe ali ndi chiwerengero cha 56 peresenti kufika pa 65 peresenti adzaonedwa ngati ndondomeko zamkuwa. Choncho ngakhale kuti zida za ACA zazitsulo zimathandizira kuti zikhale zosavuta kupanga kufanana pakati pa mapulani, ndibwino kuti tiwone zojambula bwino, monga ndondomeko ziwiri zamkuwa zikhoza kukhala ndi mapangidwe osiyana siyana omwe amapindula nawo.
Kufunika Kwambiri Kumatanthauza
Mtengo, kapena mtengo wapatali , umakuwuzani kuchuluka kwa ndalama zomwe zimagwiritsidwa ntchito pothandizira zaumoyo zomwe zikuyembekezeredwa kuti zichitike pa chiwerengero chonse cha anthu. Izi sizikutanthauza kuti iwe, payekha, udzakhala ndi 60 peresenti ya ndalama zothandizira zaumoyo zomwe zimaperekedwa ndi dongosolo lanu lamkuwa. Malinga ndi momwe mumagwiritsira ntchito inshuwaransi yanu, mukhoza kukhala ndi ndalama zosachepera 60 peresenti yanu.
Munthu yemwe ali ndi ndalama zapamwamba zothandizira zaumoyo mwachiwonekere amalipiritsa zosakwana 40 peresenti ya ndalama zonse chifukwa ndondomekoyi yapadera imatha kuchepetsa ndalama zomwe wothandizira amalipira. Kumbali inayi, munthu yemwe ali ndi ndalama zochepetsera ndalama angathe kuyembekezera kupereka malipiro oposa 40 peresenti ya ndalama zonse, popeza sangakwanitse kukwaniritsa chaka chomwecho. Izi zikufotokozedwa mwatsatanetsatane apa .
Ndalama zosaphimbidwa zosagwiritsidwa ntchito zosagwiritsidwa ntchito sizimaganiziridwa pokhazikitsa ndondomeko ya ndondomeko yaumoyo. Ndalama zapakati pa-network siziwerengedwenso, komanso ngakhalenso mtengo wa mankhwala omwe sagwera muzinthu zofunikira za thanzi la ACA.
Zimene Muyenera Kulipira
Muyenera kupereka malipiro a mwezi uliwonse pa dongosolo la thanzi. Muyeneranso kulipira kugawa ndalama monga deductibles, coinsurance, ndi copays mukamagwiritsa ntchito inshuwalansi yanu.
Ndondomeko yamakonzedwe yamkuwa yamtundu uliwonse imakhala yotsika mtengo kusiyana ndi mapulani apamwamba chifukwa ndondomeko zamkuwa zikuyembekeza kulipira ndalama zochepa pazinyamayi zakuthupi. Mukupeza zomwe mumalipira.
Momwe ndondomeko iliyonse imakupangirani kuti mulipire gawo lanu la ndalama zomwe mumasamalira. Mwachitsanzo, ndondomeko imodzi ya mkuwa ikhoza kukhala ndi ndalama zokwana madola 6,000 zokhala ndi ndalama zokwana $ 10,000 zothandizira. Ndondomeko ya mkuwa yokhudzana ndi mpikisanowu ingakhale ndi ndalama zokwana madola 4,000 zokhala ndi ndalama zokwana 35 peresenti yokhala ndi ndalama zokwanira komanso $ 45 copay pa maulendo a ofesi (onse a ACA omwe ali ovomerezeka ndi magulu ang'onoang'ono ali ndi malire apamwamba pa ndalama zonse zomwe zimagwiritsidwa ntchito mosasamala kanthu mlingo wa zitsulo; palibe ndondomeko yomwe ingakhale ndi malire omwe ali kunja-kuphatikizapo deductible, copay, ndi coinsurance-oposa $ 7,150 mu 2017, kapena $ 7,350 mu 2018).
Zifukwa Zosankha Mapulani a Bronze
Pakusankha ndondomeko yaumoyo, ngati chinthu chofunikira kwambiri kwa inu ndi ndalama zochepa pamwezi uliwonse, ndondomeko ya thanzi la mkuwa imatha kusankha bwino. Ngati simukuyembekezera kugwiritsira ntchito inshuwalansi yanu yambiri kapena ngati kugawana mtengo kwakukulu mu dongosolo la mkuwa sikukukhudzani, ndondomeko ya umoyo wa mkuwa imatha kukwaniritsa biliyo.
Ngati muli ndi zaka zosachepera 30 ndipo simukuyenera kulandira thandizo la premium, mukhoza kupeza kuti pulogalamu yoopsa imapereka ndalama zowonjezera pamwezi, kuphatikizapo phindu lochepa kwambiri (mapulani osokonekera omwe alibe phindu la momwe zitsulo zimagwirira ntchito Ndondomeko zimachita, ziyenera kukhala ndi zowonjezereka zoposa 60 peresenti, ngakhale ziyenera kuyendera maulendo atatu oyang'anira chisamaliro chaka chilichonse ndikutsatira malire omwewo pamtundu wina monga ndalama zina).
Ngati muli ndi zaka zoposa 30, simungathe kugula ndondomeko yoopsa pa inshuwalansi ya umoyo pokhapokha mutakhala ndi chiphaso cha inshuwalansi. Ndipo ndalama zothandizira ndalama sizingagwiritsidwe ntchito pazinthu zoopsa, zomwe zimawapanga chisankho chosayenera kwa anthu ambiri omwe akuyenera kulandira thandizo la premium.
Zifukwa Zosasankha Mapulani a Bronze
Musasankhe ndondomeko yaumoyo wamkuwa ngati mukufuna dongosolo limene limalipira ndalama zambiri zothandizira. Ngati mukufuna kugwiritsa ntchito inshuwaransi yanu yambiri, kapena simungakwanitse kulipira ndalama zambiri, ndalama zothandizira ndalama, ndi zopereka zothandizira, ndondomeko ya mkuwa siingakhale ya inu.
Ngati muli oyenerera kugawana ndalama zothandizira ndalama chifukwa ndalama zanu ndi 250 peresenti ya umphaŵi wa federal kapena pansi, mungathe kupeza kugawidwa mtengo kwa ndalama ngati mutasankha ndondomeko ya siliva. Simungapeze ndalama zothandizira ndalama zomwe mumayenerera ngati mutasankha ndondomeko ya mkuwa.
Kupatsana ndalama kwapadera kumapangitsa kuti ndalama zanu zikhale zochepa kwambiri, ndalama zanu, komanso ndalama zothandizira kuti muthe kulipira ndalama zochepa mukamagwiritsa ntchito inshuwaransi yanu. Ndipotu, ndalama zothandizira ndalama zowonjezera ndalama zidzawonjezera kufunika kwa dongosolo lanu lazaumoyo popanda kulipira malipiro a mwezi uliwonse. Zili ngati kupeza phindu lopindulitsa kwaulere. Simungapeze kusintha kwaulere ngati mutasankha ndondomeko ya mkuwa.
> Zotsatira:
> American Academy of Actuaries. Chowonadi Chofunika kwa Ogulitsa Inshuwalansi Zaumoyo. April 1, 2013.
> Dipatimenti ya zaumoyo ndi zithandizo zaumunthu. Chitetezo cha Odwala ndi Ntchito Yodalirika Yothandiza, Msika Wolimbitsa . April 2017.
> Federal Register. Chitetezo cha Odwala ndi Ntchito Yodalirika Yothandizira, Chidziwitso cha Kupindula ndi Kulipira Malipiro a 2017. March 8, 2016.
> Federal Register. Chitetezo cha Odwala ndi Zopanda Thandizo Labwino; Chidziwitso cha HHS cha Kupindula ndi Kulipira Malipiro a 2018; Kusinthidwa kwa Nthawi Zowonjezera Zapadera ndi Ogulitsa Ogwira Ntchito ndi Okhazikitsa Mapulani Pulogalamu. December 22, 2016.