Inshuwalansi yathanzi ya zamankhwala ndi mtundu wa inshuwalansi ya umoyo umene umagula ndalama zomwe zimagwiritsidwa ntchito ndi matenda aakulu kapena kuchipatala.
Inshuwalansi yaikulu ya zachipatala ndizolemba zomwe zagwiritsidwa ntchito pofotokoza za dongosolo la thanzi labwino lomwe linapereka chisamaliro chofunikira kwambiri. Pomwe Ntchito Yabwino Yopereka Chithandizo inagwiritsidwa ntchito, mawu akuti "kuchepa kofunikira" nthawi zambiri amagwiritsidwa ntchito m'malo mwake.
Zomwe zili zofunikira kwambiri ndi zomwe muyenera kukhala nazo kuti mupewe chilango cha ACA kuti musalimbikitsidwe , ndipo zonse zazikulu zothandizira inshuwalansi za zachipatala ziwerengedwe monga zofunikira zofunikira.
"Inshuwalansi Yeniyeni" Inshuwalansi
Inshuwalansi yathanzi ya zamankhwala wamkulu mumaganizo a layman ndi momwe anthu ambiri amaganizira inshuwalansi yathanzi. Sichiphatikizapo ndondomeko zopindulitsa zochepa, mapulani a mano / masomphenya, zowonjezereka zowopsa, inshuwalansi ya nthawi yayitali , kapena ndondomeko zoopsa za matenda, zomwe palibe zomwe zikulamulidwa ndi Care Affordable Care Act.
Mapulani akuluakulu azachipatala amakhala ndi ndalama zowonjezera, zomwe amadulidwa ndi wodwalayo. Ndalamayi ikaperekedwa, ndondomekoyi imapereka ndalama zambiri zothandizira, mogwirizana ndi inshuwalansi yomwe imaperekedwa ndi wodwalayo. Zolinga zina zimapatsanso ndalama zina.
Mapulani akuluakulu azachipatala adzatulutsanso mwayi wanu wopezeka mu-network.
Mu 2018, malingaliro onse a ACA-ovomerezeka ayenera kuyika ndalama zopezera ndalama (zofunikira za thanzi labwino) osati ndalama zokwana madola 7,350 kwa munthu mmodzi ndi $ 14,700 kwa banja.
Mapulani akuluakulu azachipatala omwe sali ovomerezeka ndi ACA (ie, grandmothered and grandfather plans) angakhale ndi malire apamwamba, koma sizodabwitsa kuti ngakhale ndondomekozi zimakhala ndi ndalama zopanda malire. Medicare , popanda Medigap yowonjezerapo , alibe chikwama cha ndalama zowonongeka, koma ichi sichoncho chonchi kuti inshuwalansi yaumwini imakhala ikutsatira).
Mapulani akuluakulu azachipatala akhoza kukhala olimba kwambiri, koma akuphatikizansopo ndondomeko zowonjezera zaumoyo zomwe zili ndi HSA-zovomerezeka , ndi mapulani oopsa monga a ACA.
Kodi Mungapeze Kuti Zovuta Zambiri Zamankhwala?
Zomwe mungapeze kuchokera kwa abwana anu mwina ndizofunika kwambiri inshuwalansi ya thanzi. Ngati mumagwira ntchito kwa abwana akulu, ayenera kupereka chithandizo chomwe chimapereka mtengo wochepa kuti muzitsatira ntchito ya ACA. Ndondomeko yomwe imapereka mtengo wapatali iyeneranso kuwonedwa kuti ndiwopereka chithandizo chamankhwala, monga momwe zidzakhalira bwino.
Ndondomeko iliyonse yomwe mumagula ndikusinthanitsa mu dziko lanu idzaonedwa ngati yaikulu ya chithandizo chamankhwala. Ndondomeko zotsatsa malonda ndizokulu zothandizira zachipatala, malinga ngati zikugwirizana ndi ACA (zolinga zonse zatsopano zamankhwala ziyenera kukhala zogwirizana ndi ACA kuyambira 2014, kuphatikizapo zomwe zogulitsidwa kunja kwa mgwirizano. , ndipo ndondomeko zazing'ono zingathe kugulitsidwa popanda kusinthanitsa; mapulani awa sali olamulidwa ndi ACA ndipo saganiziridwa kuti ndiwopereka chithandizo chachikulu cha mankhwala).
Ngati mutagula zochitika pazomwe mukugwiritsira ntchito mdziko lanu, mukhoza kulandira thandizo la premium kuti muthe kulipira mtengo wogula chithandizo chachikulu cha mankhwala.
Kwa 2018, kulandira thandizo la ndalama kwa banja la anayi kumaphatikizapo ndalama zapakhomo pa ndalama zokwana madola 98,400 (kuyenerera kulimbidwa pa 400 peresenti ya umphaŵi; tchati ichi chikuwonetsa zomwe zimakhala mu madola osiyanasiyana kukula kwa mabanja; sichipezeka ngati ndalama zanu ziri pansi pa umphaŵi, kapena ngati muli oyenera Medicaid).
Medicare ndi mapulani ambiri a Medicaid amawerenganso kuti ndizofunika kwambiri, ndipo zimatha kuonedwa kuti ndizofunika kwambiri zachipatala (anthu ena amatha kupeza chithandizo chochepa cha Medicaid-Medicaid chomwe chimangotenga utumiki wokhudzana ndi mimba, mwachitsanzo-ndipo izi sizingaganizidwe kuti ndizochepa Kufunika kofunikira kapena chithandizo chachikulu cha mankhwala).
Ndondomeko za umoyo wa agogo ndi abambo omwe amamveka bwino akuwerengedwa ngati mankhwala akuluakulu, ngakhale kuti sangathe kugulitsidwa. Koma ngati muli ndi chithunzi pamakonzedwe awa, muli ndi zofunikira zochepa (komanso chithandizo chachikulu cha mankhwala), ndipo sichigonjetsedwa ndi chilango cha ACA. Ndondomeko zazikuluzikulu zikhoza kukhala zogwira ntchito nthawi zonse, malinga ngati sizikusintha kwambiri. Ndondomeko zazikuluzikulu zikhoza kukhalapo mpaka kumapeto kwa December 31, 2018, podziwa bwino za maboma ndi mabungwe a inshuwalansi.
> Zotsatira:
Maofesi a Medicare ndi Medicaid Services; Pulogalamu ya Odziwitsa Anthu ndi Kuyang'anira Inshuwalansi. Makhalidwe a Inshuwalansi Mndandanda - INFORMATION - Kupititsa patsogolo ndondomeko ya kusintha pakati pa Calendar Year 2018 . February 23, 2017.
> HealthCare.gov. Zomwe Zing'onozing'ono Zowonjezera (MEC).