Tanthauzo
Kusinthanitsa kwa inshuwalansi ya umoyo, komwe kumadziwika kuti inshuwalansi ya Market Market, ndi kufanana-malo ogula inshuwalansi ya thanzi . Bungwe laumoyo la inshuwalansi makampani amalembetsa zaumoyo wawo ndi kusinthanitsa, ndipo anthu amayerekezera kugulitsa kwachitsulo kuchokera pakati pa mapulani omwe alipo.
Mawu akuti inshuwalansi yothandizira ambiri amatanthauza kusinthanitsa kwa inshuwalansi yaumphawi yomwe boma limapanga chifukwa cha mtengo wapatali wa Care Act , ngakhale kuti kusinthanitsa kwa inshuwalansi yaumwini kulipo.
Kusinthanitsa kwa inshuwalansi payekha nthawi zambiri kumapangidwira kutumikira antchito angapo akuluakulu, kotero anthu ambiri amakumana nawo atalembera inshuwalansi ya ntchito. Nkhaniyi ikukhudzana ndi mgwirizano wa inshuwalansi ya umoyo wa ACA.
Kusinthanitsa kwa inshuwalansi ya umoyo wa anthu amagwiritsidwa ntchito kugula malingaliro ofunikira aumwini ndi a banja omwe amadziwika kuti Obamacare . Ndondomeko ya magulu ang'onoang'ono imapezekanso pamabuku a anthu, ngakhale kuti chiwerengero chonse cholembetsa chakhala chikugulitsidwa pamsika.
Ngakhale kuti Marketplace imalimbikitsa fanizo la malo enieni kumene amalonda akuyendayenda kuchoka ku khola kupita ku malo osungirako katundu akuyang'ana katundu wa ogulitsa, anthu ambiri amalandira malonda a inshuwalansi pa intaneti. Bungwe lalikulu la inshuwalansi, HealthCare.gov, likuyendetsedwa ndi boma la federal, ndikupereka anthu ogula inshuwalansi zaumoyo m'mayiko 39. Maiko ena 11 ndi District of Columbia amatha kukambirana nawo.
Kodi Ndi Anthu Angati Ambiri Amene Amakhala ndi Mphamvu Kupyolera Muzochita za ACA?
Pa December 23, 2017, kulembetsa mu 2018 kufalitsa kudzera mwa mgwirizano kunaima pafupifupi 11.5 miliyoni. Pomwepo kulembetsa kwa olembetsa kunatha m'mayiko ambiri, koma kusinthanitsa kwa mayiko ambiri kunapangitsa kuti anthu alembedwe mpaka January , kotero chiwerengerocho sichinali chomaliza.
Kuyambira mwezi wa March 2017, olembetsa pamsonkhanowo anayimira anthu 10.3 miliyoni . Nthawi zonse anthu olembetsa amalembedwa poyerekeza ndi chiwerengero cha anthu omwe amalembetsa pulogalamu yolembera, popeza pali anthu ena omwe sapereka malipiro awo kapena omwe amaletsa kufalitsa kwawo atangoyamba kulembetsa.
Makampani ang'onoang'ono amatha kulembetsa ndondomeko kudzera mu mgwirizano, koma pali anthu osachepera 200,000 omwe amalembetsa malingaliro ang'onoang'ono osinthira malonda padziko lonse-ambiri a ACA kusinthanitsa amalembedwe pamisika.
Momwe Ntchito Yophatikiza Malonda a Inshuwalansi Ntchito
Kusinthanitsa kwapangidwe kuti kuwonjezere mpikisano ndi kuchepetsa kugula zofananitsa. Makampani a inshuwalansi amapikisana ndi bizinesi yanu pogwiritsa ntchito Marketplace. Mpikisano woterewu ndikuteteza ndalama za inshuwalansi zaumoyo pansi. Misika imathandiza kufananitsa mapulani pogwiritsa ntchito "maapulo maapulo" kuyandikira:
- Malingaliro onse a inshuwalansi omwe amaperekedwa chifukwa cha kusinthanitsa amapereka mwayi wosachepera wopindulitsa.
- Malingaliro onse a inshuwalansi omwe amaperekedwa ayenera kukhala ogwirizana ndi limodzi mwa magawo anayi opindulitsa: bronze, siliva, golide, ndi platinamu .
- Ndondomeko zovomerezeka zimapezeka pamakampani ambiri. Mu kusintha kwa California, ndondomeko yonseyi ndiyomweyi.
Cholinga cha ndondomeko ya ndondomekoyi chimafotokoza kuchuluka kwa ndalama zomwe zimagwiritsidwa ntchito pazondomeko za ndalama zowonongeka, zomwe zimadziwika kuti actuarial value (AV) ya ndondomekoyi. Mungaphunzire zambiri zokhudza momwe opangira mapulogalamuwa amagwirira ntchito, " Bronze, Silver, Gold, ndi Platinum-Kumvetsetsa Njira Yogwirira Ntchito ."
Kusinthana kumapereka thandizo lothandizira kulipira inshuwalansi ya umoyo. Kusinthana kwa inshuwalansi yaumoyo ndi njira yokha yofikira thandizo la boma ( malipiro a msonkho wapamwamba ) omwe amapangitsa inshuwalansi ya umoyo kukhala yotsika mtengo kwa Amwenye omwe ali ndi ndalama zochepa. Mungathe kuitanitsa chithandizo cha inshuwalansi ya umoyo wa boma kudzera mu inshuwalansi ya umoyo wanu, ndipo ndalama zothandiziranso zimakhala zabwino kwa inshuwalansi ya umoyo yogula pa inshuwalansi ya thanzi.
Phunzirani zambiri za inshuwalansi ya zaumoyo mu, " Kodi Ndingapeze Thandizo Kulipira Inshuwalansi Zaumoyo? "
Kuphatikiza pa kupereka ndalama zothandizira, kugwirizanitsa mtengo kwa ndalama (komwe kumadziwikanso kuti kuchepetsa kugawana ndalama ) kumapezeka pokhapokha kupyolera. Ngati malipiro anu amakupangitsani kuti mulandire ndalama zothandizira ndalama komanso / kapena premium chithandizo, mudzafuna kulembetsa mwazochita (kusiyana ndi kulembetsa mwachindunji kudzera mu kampani ya inshuwalansi) kuti mugwiritse ntchito thandizo lomwe likupezeka.
Kusinthanitsa kumatulutsa zikalata zosungira. Ngakhale simukufuna kugula inshuwalansi ya umoyo, mungathe kumacheza ndi inshuwalansi ya umoyo wanu popeza inshuwalansi ya inshuwalansi imaperekedwa kudzera ku inshuwalansi yaumphawi (zina zimaperekedwa ndi IRS mmalo mwake). Ngati mulibe inshuwaransi yaumphawi, koma mukufuna kupewa chilango cha msonkho kuti simukulimbikitsidwa, mudzafunika chitifiketi choyenera . Pezani ngati muli woyenera kuchoka ku ntchito kuti mugule inshuwalansi ya umoyo mu " Kodi Ndingapezeko Chithandizo cha Inshuwalansi ya Zaumoyo ?"
Kupeza Inshuwalansi Yanu ya Umoyo Kusinthanitsa
Dziko lanu likhoza kukhala ndi inshuwalansi yawo yothandizira monga momwe ikuyendera California, Covered California. Kapena, mayiko anu asankha kuti asapange inshuwalansi ya umoyo, kapena kuti apange zosinthanitsa koma agwiritse ntchito nsanamira yolembetsa ku federal. Zikatero, anthu amagwiritsira ntchito boma la federal ku HealthCare.gov. Fufuzani momwe mungayanjane ndi inshuwalansi ya umoyo wanu mudziko lanu, kapena ngati anthu amtundu wanu akugwiritsa ntchito boma la federal.
Kulembetsa kusinthanitsa (ndi kunja kwa kusinthanitsa, pa chidziwitso cha malonda) kumangokhala ndi mawindo olembera osatsegulidwa pachaka ndi nthawi zolembera zapadera zomwe zimayambitsidwa ndi zochitika zoyenerera. Kutsegulira kwa 2019 kufotokozedwa kwa 2019 kudzakhala November 1, 2018 kudziko lililonse.
> Zotsatira:
> Magulu a Medicare ndi Medicaid Services. 2017 Snapshot yolembedweratu . June 12, 2017.
> Mapulogalamu a Pakhomo la mkati. Udindo Wagawo Wagawo Wopereka - Kuperekedwa: Kutenga kapena Kulengeza. 2017.