Mmene Mungapezere Pulogalamu ya Inshuwalansi Yathanzi Yokha
Kwa ogula ena, kugula inshuwalansi yathanzi ndiyo njira yokhayo yothetsera thanzi. Komabe, ngakhale mutakhala ndi inshuwalansi yathanzi kuchokera kwa abwana anu, inshuwalansi ya umoyo / banja lanu ikhoza kukhala mwayi wosunga ndalama. Pokhala ndi inshuwalansi ya inshuwalansi yowonjezera ikuwonjezeka chaka ndi chaka ndipo abwana amapereka ndalama zambiri kwa antchito awo, inshuwalansi ya kampani yanu siingakhale yabwino kwambiri.
Malingana ndi Kaiser Family Foundation, mu 2016, ogwira ntchito ku America omwe ali ndi inshuwalansi ya umoyo wothandizira ndalama adapereka $ 1,129 pa dongosolo limodzi la thanzi la ogwira ntchito komanso $ 5,277 pa dongosolo la thanzi la banja. Popeza izi ndizochepa, antchito ena angakhale akulipira zambiri (olemba ntchito amapereka ndalama zambirimbiri, zomwe zinalipo $ 6,435 kwa ogwira ntchito osakwatira komanso $ 18,142 kuti apeze chithandizo cha banja).
Gulani pa Intaneti kuti mukhale ndi thanzi labwino la inshuwalansi
Gulani pafupi ndi intaneti ndikuwone ngati mungapeze chinsinsi cha inshuwalansi yapadera yomwe imakupatsani chithandizo chomwe mukuchifuna koma chosakwera mtengo kusiyana ndi malipiro omwe mumalipira kuntchito.
Malo abwino kuyamba ndi HealthCare.gov. Uwu ndi inshuwalansi ya umoyo yomwe inakhazikitsidwa ndi Wodwala Woteteza ndi Wodalirika Care Act , ndipo ndi malo ogulitsa okha malonda a inshuwalansi za umsika (onani kuti kusinthana komweku kumayendetsedwa ndi boma, koma ndondomeko zaumoyo zogulitsa kusinthanitsa ndikookha, kuchokera ku inshuwalansi za inshuwalansi zomwe mumadziŵa kale).
Anthu m'mayiko 39 amagwiritsa ntchito HealthCare.gov kuti alowe muzinthu zamagulu. Mayiko 11 ndi District of Columbia ali ndi mayiko omwe akutsutsana ndi boma, ndipo inu mudzapita ku malo awo kuchokera ku HealthCare.gov mukasankha dziko lanu.
Malo ena oti mudziwe zambiri zokhudzana ndi njira zaumoyo m'dera mwanu ndi ehealthinsurance.
Kampaniyi pa intaneti imapereka chidziwitso ndi kupeza mwayi wa 1000s wa inshuwalansi za umoyo wathanzi ndipo imapatsidwa chilolezo m'madera onse 50 ndi District of Columbia. Ngakhale ngati simugula inshuwalansi kudzera mwa iwo, ehealthinsurance ndi malo abwino ofunafuna dongosolo la thanzi ndikudziŵa kuti pali zingati zomwe zilipo mu dziko lanu komanso momwe zimakhalira. Ehealthinsurance ikhoza kukuwonetsani zolinga zomwe zilipo -kusinthanitsa , komanso zosintha zosankha.
Dziwani kuti malingaliro onse a msika, mosasamala kanthu kuti akugulitsidwa pa kusinthanitsa kapena ayi , khalani ndiwindo lolembetsa la pachaka . Ngati mukugula kunja kwa olembetsa, muyenera kukhala ndi zofunikira kuti mulembetse.
Mmene Mungagwiritsire Ntchito Ndondomeko Yaumwini / Banja Lingathandize
Pakati pa ogwira ntchito ku makampani ang'onoang'ono (mpaka antchito 199) omwe ali ndi inshuwalansi ya umoyo wa banja, 34 peresenti amapereka zoposa theka la ndalama zawo zonse zothandizira inshuwalansi ya banja monga kubweza malipiro (ndi abwana akulipira zotsalira).
Popeza kuti phindu lalikulu la banja ndiloposa $ 18,000, antchito ambiri akulipira ndalama zoposa $ 9,000 pachaka kuti adziphimbe okha ndi mabanja awo. Ena mwa ogwira ntchitowa angakhale bwino kugula inshuwalansi yawo. Mwachitsanzo:
Doug Jones amagwira ntchito kwa kampani yaing'ono yomwe imapereka inshuwalansi ya inshuwalansi ya PPO (ndi $ 1500 pachaka) kwa antchito ndi banja lawo. Chifukwa cha kuchepa kwachuma posachedwa, kampani ya Doug yowonjezera gawo lake la ndalama pamwezi pamwezi 60%, zomwe zimachititsa Doug pafupifupi $ 950 mwezi uliwonse.
Mkazi wa Doug amagwira ntchito nthawi yina monga woyang'anira ntchito ndipo alibe ubwino wa inshuwaransi. A Joneses ali ndi ana awiri a zaka zapakati pa 7 ndi 10. Onse a m'banja anayi ali ndi thanzi labwino ndipo amakhala ndi moyo wathanzi.
M'mayiko ambiri, isanafike chaka cha 2014, Doug ayenera kuti adapeza chithandizo chamankhwala chodziwika bwino pamsika wa inshuwalansi yaumoyo kukhala osakwera mtengo kusiyana ndi dongosolo lake la ntchito. Koma ACA inaletsa makampani a inshuwalansi a zaumoyo poganizira zolemba zachipatala pamene akuika mitengo ndi kuonetsetsa kuti akuyenera kulandira chithandizo.
Zotsatira zake, kusiyana kwa mtengo pakati pa mapulani a banja / banja ndi ndondomeko zogwiritsidwa ntchito ndi ogwira ntchito zachepa. Mapulani a malonda awo ali okwera mtengo kuposa omwe analipo, ngakhale kwa ambiri olembetsa, ndalama zothandizira msonkho (premium tax credits) zimapangitsa ndalama zambiri kuti zitheke.
Mwatsoka kwa Doug, iye ndi banja lake pafupifupi ndithu sali oyenerera kulandira thandizo la premium. Malingana ngati kufotokozera kwa Doug (popanda banja lake) kumaonedwa kuti ndi okwera mtengo ndipo kumapereka mtengo wochepa, iye ndi banja lake sangavomereze thandizo. Izi zimatchedwa glitch ya banja .
Komabe, iwo angathebe kupeza dongosolo lochepa mtengo pamsika waumwini / banja, ngakhale kulipira mtengo wokwanira wa malipiro. Icho chikanakhala pafupi kukhala ndi gawo lapamwamba la deductible ndi kunja kwa mthumba kuposa momwe abambo a Doug akufunira, koma izo zikhoza kukhala malonda omwe banja limawona kuti ndi lofunika.
Kumvetsa Zosankha Zanu; Werengani Chithunzi Chabwino
Ngati muli oyenerera kulembetsa munthu mmodzi kapena banja lanu (mwina pa nthawi yolembetsa kapena chifukwa cha choyenera) ndipo mukufuna kusintha, onetsetsani kuti mukumvetsetsa bwino mapindu ndi zoperewera za ndondomekoyo payekha poyerekeza kwa ndondomeko yanu yolemba ntchito.
Kodi mapindu amasiyana motani? Kodi mungakhale ndi ngongole yotani ngati mutadwala kapena mukudwala kwambiri? Kodi izo zikufanana bwanji ndi chiwonetsero chanu chokwanira pa polojekiti yomwe inathandizidwa ndi abwana? Kodi madotolo anu ali mumagulu a mapulani? Mufuna kuganizira mosamala zinthu zonsezi musanayambe kusintha, ndipo kumbukirani kuti simungathe kubwereranso dongosolo la abwana anu mpaka tsamba lotsatirako lolembera loperekedwa ndi abwana anu.
Ngati mutapempha inshuwaransi yaumwini, musawononge chithandizo cha inshuwalansi chomwe muli nacho panopa mpaka mutalandira kalata yobvomerezeka ndi inshuwalansi, kapena mgwirizano kuchokera ku ndondomeko yaumoyo imene mwasankha.
Musanapange kudzipereka, yang'anani mosamala inshuwalansi yatsopano.
Kusinthidwa ndi Louise Norris.
> Zotsatira:
> Kaiser Family Foundation, Employer Health Benefits, 2016 Chidule cha Zomwe Zapeza .