Zomwe Zili Zofunika Kwambiri: ACA Terminology yomwe Kaŵirikaŵiri Imasokoneza
Mwinamwake mwamvapo mawu osachepera ofunika kwambiri, ndipo mukudziwa kuti amachokera ku Care Affordable Care Act (ACA). Koma ngati muli ngati anthu ambiri, mwina mukudabwa momwe zimasiyanasiyana ndi mawu ena, monga "Kuphunzira kwa ACA-ndikulingalira". Choncho tiyeni tifufuze zomwe zikutanthauza kukhala ndi zofunikira zochepa, ndi chifukwa chake zili zofunika.
Kodi "Zochepa Zofunikira Zophatikiza" Zimatanthauza Chiyani?
Zomwe zili zofunikira zowonjezereka zikufotokozedwa ngati kufotokozedwa komwe kukuvomerezeka kuti akwaniritse udindo wa ACA womwe wapatsidwa udindo -pa, udindo wa munthu aliyense. Mwa kuyankhula kwina, malinga ngati muli ndi zofunikira zochepa zowunikira, simukugwirizana ndi chilango cha ACA payekha (ngakhale ngati mulibe chidziwitso chofunikira, simungalandire chilango ngati muli woyenerera chifukwa chomasula , koma sizowoneka ngati kukhala ndi chidziwitso chochepa).
Ndikofunika kumvetsetsa kuti kufalitsa sikuyenera kukhala ACA-yovomerezeka kuti ikhale yochepa yofunika kufotokozera.
Kodi N'chiyani Chimawerengera Zochepa Zofunikira?
Pali malingaliro osiyanasiyana omwe amawerengera ngati zochepa zofunikira kufalitsa, motero amakwaniritsa udindo wa ACA. Ngati muli ndi mitundu yotsatira ya inshuwaransi, mumalingaliridwa kuti mulimbidwa ndipo simudzakhala pansi pa chilango cha msonkho chosavomerezedwa:
- Mapepala operekedwa ndi abwana, kuphatikizapo chithandizo cha COBRA ndi kuchotsa ntchito zaumoyo
- Chiwerengero chomwe mwapeza pogwiritsa ntchito ACA kusintha kwanu
- Chiwerengero pansi pa ACA Basic Health Program (ndi Minnesota ndi New York okha omwe ali ndi ndondomeko zotere)
- Kulemba kwa ACA-kovomerezeka komwe mwalandira kunja kwa kusinthanitsa (mwachindunji kuchokera kwa inshuwaransi, kapena kudzera mwa wothandizira kapena wogulitsa)
- Ndondomeko zamaganizo zogwirira ntchito (Zomwe zinakhazikitsidwa pambuyo poti ACA inasindikizidwa kukhala lamulo mu March 2010, koma izi zisanachitike zambiri za ACA zinayamba kugwira ntchito mu 2014). Mapulani awa sagwirizana ndi ACA, koma adaloledwa kukhalabe m'malo ambiri.
- Ndondomeko za umoyo wa Grandfathered (zolinga zinali kale pomwe ACA inasindikizidwa kukhala lamulo mu March 2010 ndipo sanasinthidwe kuyambira pamenepo). Mapulani awa sakugwirizana ndi ACA, koma amaloledwa kukhalabe kwamuyaya, m'mayiko onse.
- Inshuwalansi ya inshuwalansi ya ophunzira yomwe yatsimikiziridwa ngati yochepa yofunika kufotokoza
- Medicare Part A kapena Medicare Advantage (mungathe kukhala ndi Medicare Part B , Medicare Part D , kapena ndondomeko ya Medigap , koma izo sizili mbali zomwe zimaonedwa ngati zochepa zofunikira)
- Maphunziro a a Inshuwalansi a Ana a zaumoyo (CHIP)
- Chithunzi chachikulu cha Medicaid
- Kuwunika kwa TRICARE (asilikali), Kupititsa patsogolo maphunziro osaphatikizidwa kwa bungwe la Fund Health Benefit, komanso kuunika kwa Veterans Administration (VA)
- Thandizo lachipatala lothaŵa kwawo
- Chitani chidziwitso choopsa cha dziwe (zomwe zikugwiritsabe ntchito pangozi)
Mitundu ina ya zofunikira zochepa zomwe zikufunika ndizogwirizana ndi ACA, kuphatikizapo ndondomeko zogwiritsidwa ntchito ndi abwana (ngakhale malamulo a ACA ndi osiyana ndi mapulani akuluakulu ndi ang'onoang'ono), ndi malonda omwe adagwira ntchito mu January 2014 kapena m'tsogolo.
Koma mitundu ina ya zofunikira zochepa zogwirizanitsa sizigwirizana ndi ACA, kapena sizinayendetsedwa bwino ndi ACA. Izi zimaphatikizapo ndondomeko zazikulu za ana aamuna ndi aakazi, azimayi akuluakulu, ndi Medicare ndi Medicaid (pali zigawo zina za ACA zomwe zimagwiritsidwa ntchito kwa ena mwa njira zoterezi, koma osati pokhapokha ngati magulu a anthu ndi magulu ang'onoang'ono akuyendetsedwa).
Kotero kuti cholinga chanu sichikutsatira ndondomeko za kugwirizanitsa kwa ACA, kapena chisanadze masiku omwe ACA, sizikutanthauza kuti sikofunikira kwenikweni kufalitsa. Ngati mukukaikira, fufuzani ndi woyang'anira wanu kuti mupeze zowona.
Kodi Sitiwerengera Ngati Zochepa Zofunika Zophatikizapo?
Kawirikawiri, kufotokozera komwe sikokwanira sikukutengedwa kuti ndikofunikira kwenikweni. Zolinga zomwe zapangidwira kuwonjezera zolemba zina, kapena kupereka zopindulitsa zochepa, sizikuwerengedwa kuti ndizofunikira zofalitsa zofunika. Ngati mumadalira chimodzi mwazinthu izi monga chongotenga, mumakhala pansi pa chilango cha ACA pokhapokha ngati simungathe kutero.
Zitsanzo za ndondomeko zomwe sizowonjezera zofunikira zofunika ndizo:
- Chilichonse chimene chimaonedwa kuti ndi "kupatula kupindula" pansi pa ACA, kutanthauza kuti sichiyendetsedwa ndi lamulo lokonza thanzi. Izi zimaphatikizapo kuwonetsa zokhazokha za mano ndi masomphenya, mapulani oyenera, mapulogalamu okhudzidwa ndi ngozi, mapulani okhudzidwa ndi matenda, ntchito zowunikira antchito, ndi zina zotero. Mwachidziwikire, kupatulapo phindu silinapangidwe kuti likhale lokhalo lokhalitsa anthu-iwo akuyenera kuwonjezera "chenicheni" ndondomeko ya inshuwalansi ya thanzi.
- Mapulani a inshuwalansi a kanthaŵi kochepa, kuphatikizapo kufotokoza kwafupipafupi kumene amaperekedwa kwa odzipereka odzipereka a Peace Corps.
- Ndondomeko yaing'ono ya Medicaid (malingaliro ali ochepa pa kukonza za uchembere, kapena kokha kusamalira mimba, kapena chithandizo chodzidzimutsa, etc.). Mungasankhe dziko lanu patsamba lino ndipo lidzakuwonetsani momwe chithandizo cha Medicaid chimawerengera ngati chithunzi chofunikira chofunikira, ndipo chomwe sichitha.
- Kuunikira kwa AmeriCorps (pulogalamuyi ikuyembekeza kuti idzakonzanso kufotokozera kwake kuti iwonedwe kuti ndi yochepa yofunikira)
Kodi Phindu Lachisanu Ndilo Liti Limene Limaphatikizapo Chinthu Chofanana Ndi Chochepa Chachikulu Chofunika?
Zomwe zili zochepa komanso zochepa zoyenera kufotokozera zonsezi ndizogwirizana ndi ACA. Ndipo ngakhale iwo amveka mofanana, iwo ali ndi matanthauzo osiyana.
Monga tafotokozera pamwambapa, kufotokozera kofunika kwambiri ndiko kufotokoza kumene kumakwaniritsa udindo wa ACA. Koma mtengo wochepa, komabe, umakhudzana ndi udindo wa abwana .
Pansi pa ACA, abwana omwe ali ndi antchito ofanana omwe ali ndi nthawi 50 kapena angapo amafunika kupereka chithandizo cha inshuwalansi pa nthawi yawo yonse (maola 30+ pa sabata) ogwira ntchito. Kuti muzitsatira ntchito ya abwana ndikupewa zilango zokhoza msonkho, pali malamulo awiri ofunika omwe akugwiritsidwa ntchito pokhudzana ndi kufotokozera:
- Ndalamazi zimayenera kukhala zotsika mtengo (zomwe zikutanthauza kuti ndalamazo sizinapangitse antchito kupitilira 9,5 peresenti ya ndalama zapakhomo mu 2018, chifukwa cha ntchito yongogwira ntchito ).
- Kuwunikira kumapereka ndalama zochepa , zomwe zikutanthauza kuti zidzasunga 60 peresenti ya ndalama zamankhwala pa chiwerengero cha anthu, ndi kupereka "zazikulu" zowonjezera ntchito zapakati ndi zachipatala.
Olemba ntchito amapereka ndondomeko zomwe zimapereka mtengo wochepa, onse chifukwa ndondomeko zogwiritsidwa ntchito ndi abwana zimakhala zolimba, ndipo chifukwa olemba ntchito akufuna kupeŵa chilango cha abwana. Kuwunikira komwe kulimbikitsidwa ndi ogwira ntchito kumaonedwa kuti ndikofunikira kwenikweni kufalitsa, koma zikuonekeratu kuti mawu awiriwa ali ndi matanthauzo osiyanasiyana.
> Zotsatira:
> Magulu a Medicare ndi Medicaid Servies. Pulogalamu ya Odziwitsa Anthu ndi Kuyang'anira Inshuwalansi. Ochepa Omwe Amafunika Kuchita Zopempha Ovomerezeka , October 12, 2017.
> Magulu a Medicare ndi Medicaid Services. Pulogalamu ya Odziwitsa Anthu ndi Kuyang'anira Inshuwalansi. Zomwe Zing'onozing'ono Zowonjezera Zopangira.
> HealthCare.gov. Werengani Wopindulitsa Care Act (Full Text ya Affordable Care Act ndi Reconciliation Act).
> Mapulogalamu a Pakhomo la mkati. Udindo Wagawidwe Waumwini Payekha Kupereka-Njira Zochepa Zofunika Kwambiri.
> Mapulogalamu a Pakhomo la mkati. Ndondomeko ya Ndalama 2017-36 .