Kutsika kwapopeni komweko kudzakhala 12.6% kuposa momwe zinalili mu 2014
Ngati muli ndi ndondomeko yaumoyo yomwe ikugwirizana ndi Affordable Care Act (ACA), ndalama zanu zowonjezera ndi $ 6,850 mu 2016. Ngati muli ndi anthu oposa mmodzi, ndondomeko yanu yowonjezera ikhoza ' T kupitirira $ 13,700, ngakhale kuti dongosololi liyenera kukhala ndi thunthu lokhalokha lokhalokha lomwe silikhoza kupitirira $ 6,850.
Ndikofunika kumvetsetsa kuti ndondomeko yanu yapamwamba ya pulani yanu ikhale yochepa kusiyana ndi ndalama izi ...
Sizingakhale zopambana (kupatula ngati muli ndi ndondomeko ya abambo kapena akuluakulu). Kotero inu mukhoza kukhala ndi ndondomeko yokhala ndi $ 1,000 deductible ndi chikwama chapamwamba cha $ 4,000. Izi zili mkati mwazitsogozo za malamulo, ndipo zimakhala zachilendo, malingana ndi msinkhu wazitsulo (ndondomeko zamkuwa zimakonda kukhala ndi miyeso yapamwamba kwambiri - nthawi zambiri pamlingo woyenerera - pomwe golide ndi platinum zimayendera khalani ndi miyeso yochepa kwambiri ya mthumba, yomwe imakhala yochepa kwambiri kuposa yapamwamba chololedwa mlingo).
Mphamvu yamtundu wapamwamba kwambiri mu 2017
Mu February 2016, Dipatimenti ya Zaumoyo ndi Zaumoyo (HHS) inatulutsa Zopindulitsa ndi Zopereka Zowonjezera mu 2017 . Momwemo, HHS inakambirana nkhani zambiri, kuphatikizapo malire opitirira malire.
Kwa 2017, HHS yakhazikitsa ndalama zokwana madola 7,150 kwa munthu aliyense, ndipo $ 14,300 pamtundu wa banja (zidazikuluzikulu zapakhomo zidzakali zofunikira pazinthu za banja).
Apanso, padzakhala mapulani ochuluka omwe ali ndi maulamuliro apansi. Koma palibe ndondomeko zatsopano zomwe zidzatha kukhala ndi miyeso yowonjezera pamtunda uwu.
Mwachidziwitso, chiwerengero chapamwamba cha chaka cha 2014 - chaka choyamba kuti mapulani a ACA-ovomerezeka analipo - anali $ 6,350 kwa munthu aliyense, ndipo $ 12,700 kwa banja.
Pofika mu 2017, chiwongoladzanja chapamwamba chidzawonjezeka ndi 12.6% kuyambira 2014.
N'chifukwa chiyani kuwonjezeka kwapakati pa mthumba chaka chilichonse?
Kwenikweni, ndi njira yosungira ndalama zowonjezera, ndikutsatiridwa ndi kupuma kwa mankhwala. HHS imagwiritsira ntchito fomu yomwe ikufanizitsa ndalama zamakono zowonjezera za inshuwalansi za inshuwalansi za ndalama zomwe zimagwiritsidwa ntchito ndi abwana ($ 6,076 mu 2016), ndi malipiro apachaka a inshuwalansi omwe amapatsidwa ndi abwana mu 2013 ($ 5,365).
Pankhaniyi, timatenga 6076 - 5365 = 711. Timatenga 711 tagawanika ndi 5365 kuti tiwone kuchuluka kwa chiwerengero cha ndalama zothandizira anthu omwe amapereka ndalama zothandizira. Timapeza 0.1325256291, kapena pafupi 13.25%.
Tsopano tikutenga chiwongoladzanja choyamba chomwe chinakhazikitsidwa chaka cha 2014 ($ 6,350), ndipo chiwonjezere ndi 13.25%. Timathera ndi $ 7,191.
Koma pali malamulo omwe amafuna kuti HHS ifike pa $ 50, ndipo zotsatira zake zatsikira mpaka $ 7,150.
Mwachidule, lingaliro ndiloti pafupifupi olemba ntchito omwe amathandizidwa ndi premium awonjezeka ndi pafupi 13.25% kuyambira 2013 mpaka 2016, maulamuliro omwe amachokera kunja ayeneranso kuwonjezeka ndi pafupifupi chiwerengero chomwecho kuyambira 2014 mpaka 2017 (chifukwa akuzungulira, Kuwonjezeka kowonjezera kumapeto kwa mthumba kumakhala pafupifupi 12,6% mmalo mwake).
Pogwiritsa ntchito njirayi, ndizotheka kuti miyeso yodula miyendo ikhale yochepa kuyambira chaka chimodzi kupita kumtsinje, ngati ambiri omwe amapatsidwa ndalama zothandizidwa ndi olemba ntchito amalephera. 2017 adzakhala chaka chachinai chokha chokhazikitsa malire pa zowonjezera zowonjezera (pasanafike 2014, a inshuwalansi anali omasuka kuti apange miyeso yawo yowonongeka monga momwe iwo amaonera). Ndipo ngakhale kuti miyandamiyanda yowonjezereka yawonjezeka chaka chilichonse pakadali pano, palibe lamulo lomwe likuti iwo apitiliza kuchita zimenezi chaka chilichonse.
Kodi zotani zomwe zimatuluka m'kati mwake zimatanthauza chiyani?
Pulogalamu yapamwamba yowonongeka (yomwe imatchulidwanso kuti inali yotalika kwambiri) ndiyo ndalama zonse zomwe wodwalayo ayenera kulipira chaka choperekedwa kuti azitha kulandira mankhwala omwe amadziwika kuti ndizofunika kwambiri pa thanzi.
Ngati mulandira chisamaliro kunja kwa makanema anu a mapulogalamu , kutuluka kwa mthumba kungakhale kokwera, kapena kungakhale kopanda malire.
Pokhapokha mutakhala mu-network ndikulandira chisamaliro chomwe chili pansi pa ndondomeko yanu yaumoyo, ndalama zanu zonse pachaka zidzasankhidwa pa $ 6,850 mu 2016. Izi zikuphatikizapo kuphatikiza kwanu
- deductible (ndalama zomwe mumalipira musanapindule kwambiri)
- mapepala a ndalama (ndalama zochepa zomwe mumalipira kuti muwone dokotala, lembani mankhwala olembedwa mankhwala, pitani katswiri, pitani ku chipinda chodzidzimutsa, etc.), ndipo
- coinsurance (chiwerengero cha zomwe mumanena kuti mumalipira mutapereka ndalama zanu, koma musanayambe kukwaniritsa ndalama zanu).
Sizinthu zonse zomwe zimaphatikizapo malo atatuwa. Mwachitsanzo, HSA-oyenerera High Deductible Health Plan sichidzaphatikizapo copays, koma adzakhala ndi deductible ndipo akhoza kapena alibe ndalama (nthawi zina, deductible pa HDHP ndi wathunthu kunja-pocket poti, pamene HDHPs zina zidzakhala ndi ndalama zothandizira ndalama zowonjezereka kuti zifike pamtundu wapamwamba).
Mukatha kufika pamtundu wapamwamba pa chaka, dongosolo lanu la thanzi lidzakubwereketsani 100% mu-intaneti, ndalama zomwe zatsala chaka chonse. Koma ngati mutasintha mapulani pakati pa chaka (chifukwa cha zofunikira zomwe zimayambitsa nthawi yapadera yolembetsa ), ndalama zanu zochokera kunja zimayamba ndi dongosolo latsopano. Ndipo ngakhale mutasunga ndondomeko yomweyi chaka ndi chaka, ndalama zanu zochokera kunja zimayambira kumayambiriro kwa chaka chilichonse.
Kufunika kwa ACA kuti ndondomeko zaumoyo zimakhudzidwa ndi ndondomeko yamagulu ndi gulu, kuphatikizapo magulu akuluakulu. Koma mapulani a abambo amalephera, monga momwe agogo ndi anthu ang'onoang'ono akukonzekera. Magulu akuluakulu sagwiritsidwa ntchito kuti adziwe zoyenera za thanzi la ACA , koma malinga ndi momwe amachitira, sangathe kuti membala azilipira ndalama zowonjezera ndalama kuposa chaka chonse chomwe chikugwiritsidwa ntchito chaka chimenecho.