Njira Zomwe Mungathe Kulipira
Inshuwalansi za umoyo wathanzi zawonjezeka kwa zaka zambiri. Mu 2016, oposa 51 peresenti ya antchito omwe ali ndi inshuwalansi yothandizira alimi anali ndi ndalama zokwana madola 1,000. Ndipo pakati pa ogwira ntchito omwe amaphatikizidwapo ndi deductible, pafupifupi munthu aliyense deductible anali pafupi $ 1,500.
Pakati pa anthu omwe amagula inshuwalansi yawo pamsika pamsika pawokha, zoperewera ndizopambana.
eHealthinsurance, yomwe ikugulitsidwa pa intaneti, inanena kuti chaka cha 2016 chitawunikira osankhidwa pogwiritsa ntchito EHealthinsurance ndipo sankayenera kupereka thandizo lililonse la ACA , pafupifupi ndalama zokwana madola 4,358 kwa anthu ndi $ 7,983 chifukwa cha mabanja.
Ndikofunika kuzindikira kuti anthu omwe sadalandire ndalama zothandizira ndalama zambiri amatha kupeza malonda otsika mtengo, omwe amakhala operewera kwambiri. Ndipo ndalama za ACA zomwe zimapereka ndalama zothandizira - zomwe zimagwiritsidwa ntchito pa 57 peresenti ya anthu olembetsa ndalama mu 2017-zimapereka ndalama zochepa kwambiri kwa anthu omwe ali oyenerera pogwiritsa ntchito ndalama zawo (zopatsana ndalama zothandizira ndalama zimapezeka pokhazikitsa ndondomeko zasiliva; pafupifupi $ 30,000 mu 2018 ndipo mutagula zofunikira zanu, mukhoza kukhala ndi ndalama zowonjezera, choncho penyani ndondomeko zasiliva panthawi yolembera, ndipo onetsetsani kuti mukugula ndondomeko yosinthanitsa, kusiyana ndi kusinthanitsa ).
Koma palibe kukayikira kuti anthu amene amagula inshuwalansi yawo ya umoyo nthawi zambiri amakhala operewera kwambiri.
Simuli nokha ngati simungakwanitse kugula inshuwalansi yanu deductible . Ziribe kanthu kuti deductible yanu ndi yochuluka motani, ngati mulibe ndalama zochuluka mukusungirako ndalama ndipo mukukhala malipiro kuti mulipire malipiro, zikhoza kumverera ngati deductible yanu ndi yaikulu kwambiri.
Ngati simungakwanitse kupereka ndalama zanu, zomwe mungachite kuti mugwirizane nacho zimadalira ngati muli ndi ngongole yanu pakalipano, kapena mukukonzekera pasadakhale. Ngati mukuyembekezera zakutsogolo ndi kuzindikira kuti mukuyenera kudza ndi kusinthaku komaliza, onani " Deductible Too High? Momwe Mungagwiritsire Ntchito Ndalama Zogulira Za Inshuwalansi ya Zaumoyo . "Ndipo ngati mutalembetsa ndondomeko ya thanzi la HSA, yesetsani kuika patsogolo pa kukhazikitsa HSA ndi kuigwiritsa ntchito nthawi zonse , kuti ndalama zikhalepo ngati inu kumaliza ndikusowa kukumana ndi deductible yanu.
Ngati mulipira ndalama zanu tsopano koma mulibe ndalama, vuto lanu ndi lovuta. Ngati simukubwera ndi njira yobwezera, chisamaliro chanu chitha kuchedwa kapena simungathe kupeza chisamaliro chomwe mukufuna. Nazi zina zomwe mungachite.
Kambiranani ndondomeko ya malipiro
Ngakhale dokotala wanu sangathe kusinthana kapena kuchotseratu deductible chifukwa chophwanya malamulo a ndondomeko yanu yaumoyo , iye angakhale wokonzeka kukulolani kuti mulipire deductible yomwe mumalipira nthawi. Khalani owona mtima ndipo fotokozerani mkhalidwe wanu kutsogolo kwa dokotala kapena chipatala chowongolera kuchipatala. Fotokozani kuti simukuyesera kuti mutuluke koma mukufuna kuti mupange ndondomeko ya malipiro.
Ngakhale kuti cholinga chake ndi kupempha kuchotsera mmalo mwa kukhazikitsa ndondomeko ya malipiro, " Momwe Mungayankhulire ndi Wopereka Zanu " imapereka malangizo othandizira momwe mungalankhulire ndi dokotala wanu.
The Caveats:
- Mukhoza kulipira ndalama zambiri kwa oposa odwala ena. Mwachitsanzo, ngati muwona dokotala ndipo akulamula kuyesedwa kwa magazi, muyenera kutenga gawo limodzi la dokotala wanu ndi gawo lake ku labu la kuyezetsa magazi. Izi zikutanthauza kukambirana mapulani awiri a malipiro, osati imodzi.
- Ngati simukulipira malipiro anu, mungasokoneze ubwenzi wanu ndi dokotala wanu, ndipo simungapeze mwayi wina wokhazikitsa ndondomeko ya malipiro amtsogolo.
Fufuzani zachangu Za Thandizo Labwino
Kaŵirikaŵiri pali njira imodzi yokha yoperekera vuto la chisamaliro. Kodi mukugwiritsa ntchito mankhwala osakondera omwe angakuthandizeni?
Pamene kusinthira mankhwala osakwera mtengo sikungapangitse kuti ndalama zanu zikhale zazing'ono, ndalama zotsalazo zimabwera chifukwa cha nthawi yayitali komanso zing'onozing'ono. Mwachitsanzo, ngati muli ndi ndalama zokwana madola 3,000 ndipo mukupeza mankhwala okwana madola 700 pamwezi, kusintha kwa mankhwala okwera madola 400 pamwezi kudzakuthandizani kuchepetsa ndalama zanu pamwezi . Mutha kumaliza kulipira ndalama zokwana madola 3,000 musanayambe inshuwalansi yanu. Koma, ndi mankhwala ochepetsetsa, udzafalitsa zomwe zidaperekedwa kwa miyezi isanu ndi itatu osati miyezi isanu, zomwe zimapangitsa kuti mukhale osamala.
Kodi mungapeze chisamaliro kuchipatala chaulere kapena chipatala chomwe chidzasamalirani inu mosasamala kuti mumatha kulipira? Ena mwa malowa adzakusamalirani kwaulere, adzakulipirani malinga ndi zomwe mumapeza, kapena adzalola kuti inshuwaransi yanu ikulipirirani mokwanira. Fufuzani kuti muwone ngati pali dera lachipatala pafupi ndi inu.
Tengani Kugawidwa Kwambiri Kumayambiriro Anu
Mwa kusankha kutenga ndalama kuchoka pantchito yanu kuti muthe kulipira inshuwalansi yanu deductible, mukukongola kuchokera kumtsogolo kuti mudzalipire. Ino si ndondomeko yabwino kwambiri ya nthawi yayitali. Koma, ngati mukukumana ndi vuto lomwe simungakhale nalo m'tsogolomu ngati simungathe kulipira inshuwalansi yanu deductible, ndiye mungaganizire izi.
Ngati mutengapo mbali kuchokera ku chikhalidwe chanu cha IRA musanakwanitse zaka 59 1/2, mudzayenera kukhoma msonkho pa ndalama komanso msonkho wa chilango. Komabe, nthawi zina, chilango chikhoza kuchotsedwa ngati ndalamazo zimagwiritsidwa ntchito kuti mugwiritse ntchito ndalama zothandizira komanso ngati ndalama zanu zowonjezera ndalama zoposa 10 peresenti ya ndalama zanu. Phunzirani malamulo a IRS ponena za kugwiritsidwa ntchito koyambirira kwa IRA yanu ya ndalama.
Zosankha ziwiri zingakuthandizeni kupewa chilango choyamba chogawa:
- Mungathe kuchotsa ndalama zomwe munapereka ku Roth IRA popanda chilango. Izi sizikukhudzana ndi zopindulitsa ndi zopindulitsa pa Roth IRA, koma ndalama zomwe mwazipereka. Phunzirani zambiri mu "ROTH IRA Akatha Kutenga Ngongole Ndipo Alibe."
- Mapulani okwana 401K amakulolani kutenga ngongole yokwana $ 50,000 kapena theka la ndalama mu 401K yanu, iliyonse yomwe ili yochepa. Kawirikawiri, ngongole imalipidwa kwa zaka zisanu ndi ndalama ndikuchotseratu kuchoka pamalipiro anu. Mudzabwezera chiwongoladzanja cha ngongole, koma mukulipira nokha chidwi-chidwi chimapita mu 401K wanu. Ngati mutaya ntchito yanu musanabwezere ngongoleyo, muyenera kubwereranso ndi ndalama zotsalira kapena mukuganiza kuti mukugawidwa mwamsanga ndipo mudzalipira misonkho ya msonkho komanso chilango. Phunzirani zambiri mu "Zinthu Zisanu Zodziwa Zokhudza Kukwanira Kuchokera ku Zanu 401 (k)."
Gulitsa Zochitika Zanu
Palibe yemwe akufuna kugulitsa katundu wawo kuti azilipira chinachake monga chamoyo monga inshuwalansi deductible; koma, nthawi zovuta zimafuna zochitika zovuta. Ngati simungathe kukupatsani mankhwala enaake a mankhwala a chemotherapy chifukwa simungathe kulipira inshuwalansi yanu deductible, ndiye ndi nthawi yoganizira momwe mungakwezere ndalamazo.
Yambani poganizira kugulitsa zinthu zamtengo wapatali koma zosafunikira monga zokongoletsera zanu, njinga, bolodi lapaulendo, iPod, kapena motor scooter. Pita kukagulitsa zinthu zina zamtengo wapatali monga galimoto yako kapena mphete yachikwati kokha ngati uli wovuta kwambiri. Mwinamwake mungapeze mtengo wabwino wa zinthu ngati mutagulitsa nokha pa nsanja monga Craigslist kapena eBay kusiyana ndi ngati mumawatengera ku sitolo ya pawn kapena sitolo ya katundu, koma kugulitsa nokha kumafuna khama.
Limbikitsani
Kugwiritsira ntchito khadi la ngongole, ngongole yaumwini, kapena mgwirizano wa pakhomo la ngongole kuti muthe kulipira inshuwalansi yanu deductible ndi pempho labwino. Zimaphatikizapo kugulitsa tsogolo lanu ndikulowa m'kongole kuti muthe kukwaniritsa zomwe mumagula. Ngati simungathe kulipira deductible tsopano, kodi mungapereke bwanji chaka chotsatira deductible pamene mukulipira ngongole yanu chaka chino deductible?
Koma ngati mukufuna chithandizo chamankhwala kupulumutsa moyo wanu, kuteteza kulemala kwamuyaya, kapena kukupatsani thanzi labwino kuti musunge ntchito yanu, pogwiritsa ntchito ngongole ndizoipa.
Ndalama sizimatanthauza khadi la ngongole. Kungatanthauzenso kubwereka kuchokera kuzinthu m'nyumba, mnzanu kapena membala, kapena kutenga ngongole ku banki kapena mgwirizano wa ngongole.
Pezani Mavuto Amalonda a Ntchito Kumalo Othandiza
Olemba ntchito ambiri amatha kukhala ndi chithandizo cha othandizira. Pothandizidwa ndi zopereka zazing'ono zopangidwa ndi ogwira ntchito payekha, zopereka izi zimachotsedwa pa malipiro a opereka omwe ali ndi ndalama zofanana pa chaka.
Ogwira ntchito omwe akukumana ndi mavuto a nthawi imodzi angagwiritse ntchito thandizo la ndalama. Izi zothandizira sizikufuna kuti mukhale wopereka ndalama kuti muthandizidwe, koma amalamulira za thandizo la ndalama, omwe ali woyenerera, ndi momwe ndalama zimakhalira zimasiyana kuchokera pulogalamu mpaka pulogalamu. Dipatimenti yanu yothandiza anthu kapena dipatimenti yothandiza antchito ndipamene mungapeze zambiri.
> Chitsime:
> Magulu a Medicare ndi Medicaid Services. 2017 Snapshot yolembedweratu . June 12, 2017.
> eHealthinsurance.com. Ndalama ya Inshuwalansi ya Lipoti la Inshuwalansi, 2016 Nthawi Yowunikira Yoyamba . October 2016.
> Maphunziro a Pakhomo, 401 (k) Malangizo Othandizira - Wokonza Mapulani - Malamulo Onse Otsatsa.
> Kaiser Family Foundation. 2016 Employer Health Benefits Survey; Chidule cha Zofufuza . September 14, 2016.