Anthu mazana ambiri padziko lonse pano akulembedwera muzinthu zathanzi zomwe siziyenera kukonzedwanso mu 2017 . Izi zikuphatikizapo anthu omwe ogwira ntchito zawo akusinthasintha mapulani atsopano a 2017, komanso anthu omwe inshuwalansi yawo yathanzi imachokera kusinthanitsa (kapena malonda onse a inshuwalansi) kumapeto kwa 2016.
Ngati muli pakati pawo, izi ndi zomwe muyenera kuchita.
Mapulani Anga akutha. Kodi ndikuchita chiyani tsopano?
Ngati ndondomeko yanu ikutha, khalani otsimikiza kuti mudzakambiranso zosankha za 2017. Zisanafike chaka cha 2014 m'mayiko ambiri, ngati chonyamula katundu atachoka pamsika, panalibenso mwayi wolola mabungwe awo a inshuwalansi kuti asankhepo pazinthu zina msika popanda kulembedwa kwachipatala. Koma izi zasintha tsopano kuti ACA imaletsa kulembedwa kwachipatala. Pa nthawi yolembera, muli ndi kusankha komwe kulipo m'dera lanu.
Popeza kuti kulembetsa kwa anthu ambiri kutsegulidwa pakalipano, njira yanu yabwino idzakhalire kusankha ndondomeko yatsopano ndi kuthetsa kulembetsa kwanu pa nthawi yeniyeni yolembetsa m'boma lanu . M'zinthu zonse koma zitatu, tsiku lomaliza ndi December 15 kuti mupeze tsiku lomaliza la January 1.
Chatsopano cha 2017: Kusinthana kungasankhe dongosolo latsopano kwa inu
Zaka zapitazo-ngakhale pamene ACA idagwidwa ntchito - panalibenso njira yowalola kuti kusinthana kukasankhire ndondomeko yatsopano kwa anthu omwe zonyamulira zawo anali atachoka.
Koma izi zasintha mu 2017. Malamulo atsopano amalola kusinthana kukusinthirani ku dongosolo kuchokera kwa wothandizira wina ngati wothandizira akuchoka. Izi zinayesedwa pofuna kuyesetsa kuti anthu asatayike ngati akuiwala kuti abwerere kusinthana kuti asankhe dongosolo latsopano.
Kusinthanitsa kwa boma sikuti kulikonse komwe kuli ndi ndondomekoyi komabe, ngakhale kusinthana kwa federally (Healthcare.gov) sangathe kuigwira ntchito pazochitika zonse. Malamulowa adanena kuti FFE (federally-facilitated exchange exchange) " adzayesa " kuti izi zichitike mu 2017, potsatira ndondomeko yomwe ikuyesera kusankha ndondomeko yomwe ikufanana kwambiri ndi zomwe mudali nazo kale.
Mudzalandira chidziwitso chokwanira kuchokera ku zosinthanitsa ndi wanu inshuwalansi ya zaumoyo malinga ndi zomwe muyenera kuyembekezera mu 2017. Ngati chotengera chanu chikuchoka kapena dongosolo lanu likutha, mudzadziwitsidwa ngati kusinthanitsa kukukonzerani mapu ndondomeko yatsopano. Mudzadziwitsanso ngati sizomwe zili choncho, ndipo mudzadziwitsidwa kuti chithandizo chanu chidzathera kumapeto kwa December pokhapokha mutasankha dongosolo latsopano. Choncho samalirani kwambiri mauthenga omwe mumalandira kuchokera kwa inshuwalansi ya moyo wanu ndi kusinthanitsa.
Ndikofunika kumvetsetsa kuti ngakhale kusinthana kwati kwati kukukonzerani ku dongosolo latsopano pamene mapulani anu akutha, muli ndi mwayi wobwereranso ku akaunti yanu yosinthanitsa ndikusankha dongosolo lanu latsopano la 2017 . Mungathe kuchita zimenezi nthawi iliyonse mpaka kumapeto kwa Januwale, koma ngati mupanga chisankho chanu pambuyo pa December 15, kufalitsa kwanu kwatsopano sikudzagwira ntchito mpaka February kapena March, ndipo ndondomeko yomwe mungasankhe kuti mutengereko ingakhale yoyamba kuyambira January 1 mpaka pamene chisankho chanu chimayamba kugwira ntchito.
Nanga bwanji ngati ndikusowa tsiku lomaliza la 15 December ndipo kusinthanitsa sikungandipangire mapulani atsopano?
Ngati ndondomeko yanu ikuthera pa December 31 (ndipo simunasinthidwe pokhapokha ndi dongosolo latsopano) ndipo mukusowa tsiku lolembetsa la December 15 posankha ndondomeko yatsopano, komabe n'zotheka kupeza tsiku lomaliza la January 1, koma njirayi ingakhale yovuta . Chifukwa chakuti ndondomeko yanu ikutha, mumayenera kukhala ndi nthawi yapadera yolembera. Koma kuti nthawi yolembera yapadera ndi yofanana ndi nthawi yolembera nthawi zonse imatanthawuza kuti luso lamakono likhoza kusagwira bwino. Mapulogalamu olembetsera amaikidwa kuti alembetse kaundula masiku ano, osati nthawi yolembera.
Ndipo ngakhale kuti nthawi zambiri zolembetsa zimakhala zofanana ndi nthawi zomwe zimakhala zolembedwera , sizomwe zimalembedwera nthawi zolembera zomwe zimayambitsidwa ndi kutayika kwina .
Pamene kuwonongeka kwa kufalitsa kumayambitsa nthawi yolembetsa yapadera, ndondomeko yatsopanoyi ikugwira ntchito yoyamba pamwezi wotsatira mutatha kulemba. Choncho munthu amene mapulani ake akumaliza pa December 31 akhoza kugwira ntchito pa December 31 ndipo azikhala ndikugwira ntchito bwino pa January 1. Koma izi zingakhale zovuta, ndipo siziyenera kukhala zomwe mukukonzekera . Apanso - njira yabwino ndikulembera ndondomeko yatsopano pa December 15. Koma ngati ndondomeko yanu ikutha ndikuphonya nthawi yotsiriza, ichi ndi choti muchite:
- Lankhulani ndi broker, kusinthanitsa kwanu, kapena chonyamulira chomwe mukugwiritsa ntchito ngati mukulembera kusinthanitsa. Mudzasowa thandizo ndi njirayi, ndipo mudzafuna njira ya pepala ngati pali glitches.
- Onetsetsani kuti kulembetsa kwanu kumatsirizidwa ndi nthawi yolembera yapadera ndipo osati nthawi yolembera nthawi yomwe imakhala yolembetsa (yomwe ingayambitse tsiku lanu lachiwiri pa February 1 ngati mulembetsa mu theka lachiwiri la December).
- Dziwani kuti mungafunikire kukwaniritsa mapulogalamu, monga ena ogwira ntchito sangathe kukhala ndi luso lamakono lololeza kulembetsa kwapadera pa intaneti kuti ikachitike nthawi yolembera.
- Konzekerani kuchedwa. Ngati mwalembetsa pa December 31, mwachiwonekere simudzakhala ndi khadi lanu latsopano ndi makhadi anu pa Januwale 1. Kulemba kwanu kudzatsirizika ndi kumbuyo kwa January 1, koma ngati mukufunikira kusamalira mu January, muyenera Limbikitsani kuti mupereke ndalama zowonjezerapo ndikubwezereni ndalama kuchokera kwa wothandizira inshuwalansi.
Mwachiwonekere, njira yabwino kwambiri ndi kulembetsa kugwiritsa ntchito magawo onse olembera, ndipo kumaliza pa December 15. Koma ngati chinachake chikubwera chomwe chimalepheretsa izo, mutha kukwanitsa kufotokozera pa January 1, ngakhale ndi zina zochepa kuti muthamangire.
Bwanji ngati nditayika kunja kwachitsulo?
Ngati wothandizira wanu atuluka pamsika palimodzi, palibe njira yoti wina aliyense akulowereni ku dongosolo latsopano kunja kwa kusinthanitsa.
Ngati wothandizira wanu akungosintha ndondomeko yanu koma m'malo mwazochita zatsopano, iwo angakupatseni kukukonzerani ku dongosolo latsopano, popanda kuchita chilichonse. Koma kachiwiri, kupambana kwanu ndikutenga mwachangu ndondomeko yanu yatsopano ya 2017, ngakhale ngati chotengera chanu chikukuthandizani.
Ndondomeko yofanana yolembera ikutsatidwa kunja kwa kusinthanitsa; Ndondomeko yosankhidwa ya 2017 iyenera kukwaniritsidwa pa January 31, ndipo kulembetsa sikudzapezeka pambuyo pokhapokha mutakhala ndi choyenera .
> Zotsatira:
> Dipatimenti ya zaumoyo ndi zithandizo zaumunthu. Chitetezo cha Odwala ndi Ntchito Yodalirika Yothandizira, Chidziwitso cha Kupindula ndi Kulipira Malipiro a 2017.