Pali mapulogalamu ambiri omwe athandizidwa kuti athandize osauka, koma kudziwa yemwe ali wosauka komanso wosauka akhoza kukhala wolimba. Boma la United States liri ndi yankho la vutoli.
Mwezi wa January, Dipatimenti ya Zaumoyo ndi Zaumunthu imayambitsa ndondomeko ya umphaŵi wa chaka chomwechi kuti afotokoze yemwe ali, yemwe ali wosauka. Izi zowonjezereka zimatchulidwa kuti federal level level, ndipo zimagwiritsidwa ntchito kuti zitsimikizidwe kuti ziyenera kulandira ndalama zothandizira ndalama zomwe zimapereka ndalama zothandizana ndi ndalama zomwe zimapereka ndalama zothandizana ndi boma, komanso mapulogalamu ena.
Zotsatira za Kukula kwa Banja
Popeza zimadyetsa kudya, nyumba, ndi kuvala banja lalikulu kuposa banja laling'ono, malangizowa amasiyana ndi kukula kwa banja. Banja lanu lalikulu, ndilopambana ndalama zomwe mungakhale nazo ndipo zikugwera pansi pa umphawi wadziko. Mndandandawu mndandanda wa mndandanda wa ziwerengero za mabanja a anthu asanu ndi atatu. Bwanji ngati muli ndi anthu oposa asanu ndi atatu m'banja lanu? Zotsatirazi zikuphatikizapo ndondomeko yosavuta kwa akaunti kwa wina aliyense wa m'banja.
Mabanja USA amatsatiranso tsamba lomwe limapereka ndalama kwa kukula kwa mabanja osiyanasiyana ndi magawo osiyanasiyana a umphaŵi. Ichi ndi chithandizo chamtengo wapatali kwambiri pokhudzana ndi kukwanitsa kuwona phindu limene lingapangitse mabanja osiyana oyenera Medicaid, CHIP, kapena thandizo la ACA's premium ndi kugawana ndalama.
Zotsatira za Malo
Popeza ndi okwera mtengo kwambiri kukhala m'madera ena kuposa ena, HHS imafalitsa malangizo atatu osiyana:
- Alaska
- Hawaii
- Ena 48 akunena ndi Washington DC
Palibe malangizo apadera ku Puerto Rico, ku America Virgin Islands, American Samoa, Guam, Marshall Islands, Micronesia, ku Northern Mariana Islands, kapena Palau. Ngati mumakhala m'modzi mwa malowa ndikupempha chithandizo kuchokera ku pulojekiti yomwe ikugwiritsa ntchito ndondomeko za umphaŵi ku federal kuti mudziwe ngati ndinu woyenerera, mufunse kuti pulogalamuyo ikugwiritsa ntchito.
Ndili ku bungwe lothandizira pulogalamu yothandizira.
Palibe mgwirizano wa inshuwalansi za umoyo (ndipo motero, palibe kupereka thandizo kapena ndalama zopatsana ndalama) m'madera a US. Medicaid ndi CHIP zilipo, ndipo madera ali ndi zawo-zosankha zapadera zopezeka pamalopo.
2017 Malangizo
Mutha kuona zitsogozo kwa zaka zingapo pano. Chiwerengero cha m'munsimu ndi chaka cha 2017. Izi zidzagwiritsidwa ntchito kuti zizindikire zoyenera kupereka ndalama zothandizira ndalama zapadera komanso kugawidwa kwa ndalama zomwe zilipo panthawi ya kulembetsa kwa msika kumapeto kwa 2017 komanso kwa aliyense amene akulembetsa mu 2018 zotsatira zake za chiyeneretso.
Nambala ya 2017 ya umphaŵi wadzikoli idzapitiliza kugwiritsidwa ntchito kuti adziwe kuyenera kwa Medicaid ndi CHIP pokhapokha chiwerengero cha nambala ya umphaŵi cha 2018 chifalitsidwa mu January 2018.
FPL kwa mayiko okwana 48 ndi Washington DC | |
|---|---|
Nyumba Zowonjezera | Uphungu wa umphawi |
1 | $ 12,060 |
2 | 16,240 |
3 | 20,420 |
4 | 24,600 |
5 | 28,780 |
6 | 32,960 |
7 | 37,140 |
8 | 41,320 |
FPL ku Alaska | |
|---|---|
Nyumba Zowonjezera | Uphungu wa umphawi |
1 | $ 15,060 |
2 | 20,290 |
3 | 25,520 |
4 | 30,750 |
5 | 35,980 |
6 | 41,210 |
7 | 46,440 |
8 | 51,670 |
FPL kwa Hawaii | |
|---|---|
Nyumba Zowonjezera | Uphungu wa umphawi |
1 | $ 13,860 |
2 | 18,670 |
3 | 23,480 |
4 | 28,290 |
5 | 33,100 |
6 | 37,910 |
7 | 42,720 |
8 | 47,530 |
Zinthu 3 Zimene Muyenera Kudziwa
Ngati mukuyerekezera zomwe mukupeza kwa FPL kuti muwone ngati mukuyenera kulandira chithandizo cha inshuwalansi ya Care Affordable , pali zinthu zingapo zomwe muyenera kudziwa poyamba.
- Kuyenerera kwa msonkho wokhoma msonkho wapadera (kupereka ndalama zothandizira ndalama) komanso ndalama zothandizira ndalamazo zimachokera ku FPL kuyambira chaka chisanayambe kuchitika, osati FPL kwa chaka chomwe mutenga . Mwachitsanzo, ngati mukupempha inshuwalansi zaumoyo mu 2018, mutha kugwiritsa ntchito malangizo a 2017. Izi zili choncho chifukwa cholembetsa inshuwalansi ya inshuwalansi ya 2018. Kuyenerera kwa Medicaid ndi CHIP zimayamba kugwiritsa ntchito nambala yatsopano ya FPL posachedwa. Koma kuti mukhale osasinthasintha kwa ndalama zoyendetsera ndalama komanso kupereka ndalama zothandizira, zitsogozo zatsopano siziyambe kugwiritsidwa ntchito mpaka kugwa, pa nthawi yolembetsa kwa chaka chotsatira.
- Pali malingaliro a mitundu yonse: ndalama zowonjezera, ndalama zowonjezera, etc. Zothandizira ndalama za inshuwalansi zothandizira zaumoyo zimagwirizana ndi momwe ndalama zanu zasinthira (MAGI) ndi FPL chifukwa cha kukula kwa banja lanu ndi dera lanu. ACA ili ndi mawerengedwe ake a MAGI, olembedwa pano (patsamba 30378, ndime yoyamba) , ndipo mwachidule .
- Popeza kuti inshuwalansi ya zaumoyo imayambira pa chiwerengero cha FPL, muyenera kugwiritsa ntchito masamu kuti musinthe ndondomeko ya kukula kwa banja lanu kukhala chinthu chomwe mungagwiritse ntchito (Families USA chithunzi ikuthandizira pano pakupanga zovuta) . Nazi zitsanzo zingapo:
- Ndalama ya inshuwalansi ya inshuwalansi yowonjezera msonkho ikupezeka kwa anthu omwe sapanga 400% mwa FPL. Ngati ndinu mwamuna wosakwatiwa akukhala ku Miami ndikupempha 2018 inshuwalansi yowonjezereka ku autumn ya 2017, FPL yanu ndi $ 12,060. Kuti mudziwe kuti 400% ya FPL ndi yani, yonjezerani chitsogozo cha 4 . Mwachitsanzo, $ 12,060 x 4 = $ 48,240. Ngati mutapanga ndalama zosachepera $ 48,240, mukhoza kulandira thandizo la boma kulipira malipiro anu a inshuwalansi ya mwezi uliwonse (onani kuti ngakhale ndi ndalama zomwe zili pansipa, simungapereke ndalama zothandizira ngati ndalama zosagwiritsidwa ntchito zowonongeka zowonongeka kale; Nazi zambiri momwe izi zikugwirira ntchito).
- Ndalama zopatsana ndalama zothandizira kuchepetsa ndalama zowonjezera , copay, ndi coinsurance zilipo kwa anthu opanga 250% mwa FPL. Ngati muli banja la anayi akukhala ku Hawaii ndikupempha inshuwalansi ya inshuwalansi ya 2018, FPL yanu kuyambira pa 2017 tebulo la Hawaii ndi $ 28,290. Kuti mudziwe zomwe 250% za FPL zili, yonjezerani malangizo ndi 2.5 . Mwachitsanzo, $ 28,290 x 2.5 = $ 70,725. Ngati banja lanu likusinthidwa ndalama zoposa ndalama zokwana madola 70,725, mukhoza kulandira ndalama zothandizira ndalama zowonjezereka kuphatikizapo ndalama zothandizira ngongole ya msonkho (kumbukirani kuti muyenera kugula ndondomeko ya ndalama kuti mugwiritse ntchito ndalama zothandizira ndalama , ngakhale kuti mungagwiritse ntchito pulogalamu yamtengo wapatali yachitsulo).
> Zotsatira:
> Federal Register / Vol. 77, No. 100 / > Malamulo ndi Malamulo. May 23, 2012.
> MACPAC. Medicaid ndi CHIP ku Territories. May 2017.
> University of California Berkeley Labor Center. Ndalama Zowonongeka Zosinthidwa Pansi pa Chithandizo Chothandizira Chotsimikizika. July 2014.