Deductible yophatikizidwa ndi dongosolo lomwe limaphatikizapo anthu ndi mabanja omwe amadzipatulira mu inshuwalansi ya umoyo wa banja. Zolinga zapamwamba zowonongeka nthawi zambiri zimagwiritsira ntchito makonzedwe onse okhudzana ndi malingaliro m'malo mwake koma zoperekedwa mokwanira zapadera zimakhala zowonjezereka pazinthu zina zonse pamene mamembala ambiri a m'banja amalowa mu dongosolo palimodzi.
Pamene ndondomeko ya thanzi yalowa muzipatala, zimangotanthauza kuti munthu mmodzi m'banja sangafanane ndi banja lonse lopatsidwa ndalama zothandizira kuti athandizidwe.
M'malo mwake, phindu limene munthu adzalandira pambuyo pake lidzatha mwadzidzidzi atangomva yekhayo, ngakhale kuti chidziwitso chimachokera mu dongosolo la banja.
Kuyambira mu 2016, pali malamulo atsopano omwe amagwiritsidwa ntchito pa ndalama zonse zomwe munthu aliyense angakonze kuti azilipilira kuti azilipilira ndalama zomwe zili kunja kwa chaka. Zotsalira zonse zimagwiritsidwanso, koma ndondomeko zonse za banja ziyenera kukhala ndi maulamuliro omwe ali kunja. Izi zikutanthauza kuti mu 2017, palibe munthu aliyense m'banja amene angafunike kulipira ndalama zokwana madola 7,150 mu ndalama zowonongeka m'chaka . Malire amtunduwu akuwonjezeka ku $ 7,350 kwa 2018, ngakhale kuti mapulani ambiri adzapitirizabe kukhala ndi malire ochepa omwe ali ochepa kusiyana ndi apamwamba omwe aloledwa ndi lamulo.
Kodi Ntchito Yopanda Deductible Yotuluka Pamtunda?
Ndi deductible yokhazikika, ndondomeko yanu ya thanzi lidzasunga mitundu iwiri ya inshuwalansi ya moyo wathanzi kwa aliyense m'banja lanu: munthu yemwe adzipatulira yekhayo ndi banja lake loperekedwa.
Banja la deductible kaŵirikaŵiri limakhala lapamwamba kuposa momwe munthu amadzichepetsera. Wachibale akakhala ndi ndalama zothandizira, ndalama zomwe amalipiritsa payekhayo zimatchulidwanso kwa banja loperekedwa.
Pali njira ziwiri zomwe zidzakhazikitsire, ndipo ndondomeko yaumoyo idzayamba kulipira ndalama zothandizira za munthu wina aliyense m'banja:
- Wachibale wake wakhala ndi ndalama zokwanira zothandizira zaumoyo zomwe adakumana nazo padera. Pachifukwa ichi, ndondomeko ya thanzi imayamba kulipira ndalama za munthuyu, koma osati ndalama zothandizira anthu ena a m'banja mwathu (pokhapokha zitasamala kuti zisanachitike, ngati chithandizo chodziletsa , kapena chithandizo chomwe chili ndi copay m'malo mowerengedwa kupita ku deductible).
- Ambiri ammudzi amatha kulipira mokwanira pazinthu zokhazokha zomwe, kuphatikiza palimodzi, banja loperekedwa likutengedwa. Pankhaniyi, ndondomeko ya thanzi imayamba kulipira ndalama zothandizira anthu onse a m'banja, ngakhale achibale omwe sanapereke kalikonse payekha.
Zochita ndi Zosowa za Banja Lomwe Linapangidwira Linachotsedwa
Vuto ndi banja lololedwa kuchotsedwera ndilo njira yokhayo yomwe mungakumanitsire banja lochotsedwera ndikupeza chithandizo kwa banja lonse ndikugwirizanitsa ndalama zomwe zimagwiritsidwa ntchito pamabanja ambiri. (Izi sizowona chifukwa cha ndalama zochuluka za deductible.)
Ndi deductible yokhazikika, ngakhale munthu mmodzi m'banja ali ndi chithandizo chamankhwala chokwanira kwambiri, ndalama zokhazokha sizingakwanire kupezeka kwa banja.
Chifukwa chiyani? Chifukwa chakuti munthuyo akangowonongeka ndi munthu wake wotsika, inshuwalansi yake ya umoyo imapindula ndikuyamba kulipira. Akhoza kutero kuti azilipira mtundu wina wa kugawa mtengo monga mapepala kapena ndalama zothandizira , koma ndalama zina zomwe sizimagwiritsidwa ntchito pakhomo sizingatengedwe kuti zithetse banja. Ndalama yomwe amalipiritsa payekhayo imapatsidwa ulemu kwa banja loperekedwa. Popeza kuti deductibleyo ndi yaing'ono kusiyana ndi banja loperekedwa, munthu mmodzi m'banja sangakwanitse kuthetsa banja lonselo.
Izi zikutanthawuza kuti mmodzi mwa mamembala ena a m'banja ayenera kukumananso ndi munthu yemwe adakalipidwa pa chaka chonse kuti banja lidziperekedwe kuti lidzakwaniritsidwe komanso kuti athandizidwe potsata aliyense m'banja.
Kupindula kwa banja losakanizidwa kuchotsedwa ndikuti pambuyo podzipiritsa ndalama za inshuwalansi zothandizira kulandira kwa anthu odwala kwambiri m'banja mwamsanga kusiyana ndi mamembala ena a m'banja. Chifukwa chakuti achibale awo odwala ali ndi ndalama zambiri zothandizira, amatha kupeza ndalama zawo mofulumira kusiyana ndi momwe angakhalire ngati ndondomekoyi ili ndi ndalama zambiri, ndipo inshuwalansi ya umoyo imayambanso kupereka malipiro onse kapena ndalama zambiri zothandizira. Ndi chifukwa cha dongosolo la deductible lomwe linayikidwa kuti inshuwalansi zawo zikhazikitsidwe ndikuyamba kulipira ndalama zisanachitike.
Zosintha zomwe zinayamba kugwira ntchito mu 2016
Zonsezi zikugwiransobe ntchito, koma mkati mwa zofunikira zatsopano kuti palibe munthu aliyense amene angafunikire kulipira ndalama zambiri mu (network) zomwe zilipo kuposa chaka chonse chololedwa. Zinali $ 6,850 kwa 2016, $ 7,150 kwa 2017, ndi $ 7,350 kwa 2018.
Mwachitsanzo, isanafike 2016, zinali zotheka kukhala ndi ndondomeko ya thanzi yomwe siidaphatikizepo ndalama zomwe zidaperekedwa kapena zowonjezera. Tiyerekeze kuti ndondomekoyi inali ndi ndalama zokwana madola 10,000, ndipo kenako 100 peresenti yowonjezera pambuyo pake ( mtundu wa mapulaniwo unali wamba pa HDHPs ). Ngati munthu mmodzi yekha m'banja adzigwiritsa ntchito ndalama zowonjezera chaka, amayenera kulipira madola 10,000 kuti asamangidwe. Kukonzekera kwa mapulaniwa sikungaloledwe chifukwa ndalama zake zowonongeka ziyenera kutengedwa pa $ 7,150 mu 2017. Ndondomekoyi ikadali ndi ndalama zokwana madola 10,000, koma oposa mmodzi ayenera kutenga ndalama zothandizira kuchipatala.
> Zotsatira:
> Dipatimenti ya Zaumoyo ndi Humana Services. Chitetezo cha Odwala ndi Ntchito Yodalirika Yothandizira, HHS Zindikirani Zopindulitsa ndi Zopereka Zomwe Zilipira Pakati pa 2015. February 2015.
> Dipatimenti ya zaumoyo ndi zithandizo zaumunthu. Chitetezo cha Odwala ndi Ntchito Yodalirika Yothandizira, HHS Zindikirani Zopindulitsa ndi Zopereka Zowonjezereka za 2018, Kusintha kwa Nthawi Zowonjezera Zapadera ndi Ogulitsa Ogwira Ntchito ndi Omwe Anakhazikitsa Pulogalamu . December 2016.