Malingaliro Okhudzidwa ndi Inshuwalansi Za Umoyo Waumphawi-Kodi Mungapeŵe Chilango?

Mmene Mungapewe Mlandu Womwe Wagawidwa Wovomerezeka Payekha

Ngati simukufuna kulipira msonkho wa chilango, muyenera kukhala ndi inshuwalansi ya umoyo kapena mukuyenera kulandira chilango . Chimodzi mwa zofunikira za Care Affordable Care Act , yemwe ali ndi udindo , amapereka chilango kwa anthu omwe alibe inshuwalansi ya thanzi powapanga iwo kulipira msonkho wotchedwa kugawana nawo udindo . Pali njira ziwiri zokha zokhazikitsira chilango ichi:

• Khalani ndi inshuwalansi yathanzi yomwe imaonedwa kuti ndi yochepa yofunikira, kapena
• Zokwanira kuti musamalandire chilango.

Ndani Akuchotsedwa Chilango cha Mwini Aliyense?

Mwinamwake simungathe kulandira chilango cha inshuwalansi ya umoyo payekha ngati muli:

• Si ku United States mwalamulo, KODI mumakhala kunja kwa US (masiku osachepera 330 pachaka)
  Izi zimagwiranso ntchito ngati mukukhala ku Guam, American Samoa, Islands ya Northern Mariana, Puerto Rico, kapena US Virgin Islands, ndipo simukugwirizana kwambiri ndi United States kapena dziko linalake kuposa momwe mumachitira ku US Kukhala ndi malo omwe mumati mukukhala.
• Ali m'ndende kapena kundende, pokhapokha mutakhala m'ndende mwatsatanetsatane.
• Kodi ndi mbadwa ya Alaska kapena membala wa Indian Tribe.
• Khalani ndi ndalama zochepa zomwe simukufunikira kuti muzipereka misonkho
  Kodi mungapeze ndalama zochuluka bwanji musanapereke msonkho? Kwa 2016, anthu amatha kupeza madola 10,350 asanapereke, ndipo maanja akhoza kupeza $ 20,700. Koma, amasintha chaka chilichonse. Ngati mukufuna kudziwa malo olembapo chaka chilichonse, amapezeka mu bukhu la IRS 501 cha chaka chimenecho, zomwe mungapeze kuchokera ku tsamba la IRS Fomu & Publications.

• Khalani otsutsa achipembedzo ku inshuwalansi
  Kuti muyenere kukhululukidwa izi:
  1. Muyenera kukhala membala wa chipembedzo chovomerezeka.
  2. Muyenera kutaya mwayi wanu wonse wa Social Security.
  3. Commissioner of Social Security ayenera kuvomereza kuti chipembedzo chanu chimatsutsa inshuwalansi za zinthu monga imfa, kulemala, ndi chithandizo chamankhwala.
  4. Commissioner ayenera kupeza kuti anthu a chipembedzo chanu adakonzekera kupereka zofunika kwa mamembala awo popeza sakugwiritsa ntchito inshuwalansi ngati chitetezo.
  5. Gululi liyenera kukhala liripo kuyambira nthawi ya 31 December 1950

• Ali membala wa utumiki wogawana nawo zaumoyo.
  Gawo la kugawana zaumoyo mautumiki ndi magulu a chipembedzo omwe amathandizana wina ndi mnzake polipira ngongole zachipatala. Mukhoza kuphunzira zambiri zokhudza maubwino ogawana zaumoyo kuchokera ku Alliance of Health Care Sharing Ministries. Kuti musamalandire chilango chaufulu, ntchito yanu yogawana zaumoyo iyenera kukhalapo kuyambira 12/31/1999, ngakhale kuti mamembala atsopano angagwirizane pa nthawi iliyonse. Kuonjezerapo, ma audenti a ndondomeko ya chaka ndi chaka ayenera kupezeka kwa anthu.
• Simungathe kugulitsa
  Kuti muwone ngati palibe chosokoneza , ndondomeko yotsika mtengo yamtengo wapatali ya mkuwa m'deralo iyenera ndalama zoposa 8.05 peresenti ya ndalama zanu zapakhomo mu 2018 (malangizo atsopano pa izi amafalitsidwa chaka ndi chaka ndi IRS). Chiwongoladzanjacho chimachokera ku ndalama zonse zomwe ndalama zothandizira msonkho (premium subsidies) zimagwiritsidwa ntchito, choncho ngati mukuyenera kulandira thandizo la premium, sizikuwoneka kuti mungakwanitse kupeza chithandizo. Ngati simukuyenera kulandira thandizo la premium, komabe mungakhale oyenerera kupeza ndalama zothandizira. M'madera omwe ali ndi inshuwalansi yamtengo wapatali, ngakhale anthu omwe ali ndi ndalama zowonjezera angathe kulandira ndalama zowonjezera.

• Wapita miyezi yosachepera itatu yotsatizana popanda kufalitsa
  Mumaloledwa kugwiritsa ntchito ufulu umenewu pachaka, ndipo mwambo woyamba wokha chaka chilichonse umakhululukidwa. Mwachitsanzo, ngati simukulimbikitsidwa kwa mwezi umodzi mu February ndipo kachiwiri kwa mwezi umodzi mu August, simungapulumutse pa chilango cha February. Mulipira ngongole yowonjezera ya August. Ndipo kusiyana kotereku kuyenera kukhala kwa nthawi yosachepera miyezi itatu-miyezi iwiri ili bwino, koma miyezi itatu yopanda malipoti ikhoza kubweretsa chilango kwa miyezi itatu yonse.
• Khalani ndi vuto lomwe limakulepheretsani kuti mupeze inshuwalansi ya thanzi
  Inshuwalansi ya inshuwalansi yanu imayenera kusankha kuti muli ndi vuto lomwe lingakuthandizeni kupeza inshuwalansi ya thanzi. Kusinthanitsa kumagwiritsa ntchito malamulo ndi malangizo kuti apange chisankho ichi. Mukhoza kuphunzira zambiri, " Mmene Mungapezere Kuvutika Kowonongeka ."

• Mukanatha kulandira Medicaid ngati dziko lanu litakula Medicaid
  Ngati muli mu chikhalidwe chomwe sichikulitsa Medicaid ndipo chifukwa chokha chomwe mukuonedwa kuti n'choyenera ku Medicaid ndi chakuti dziko lanu silinapitirire ku malangizo a ACA, muyenera kulandira chilango. Izi zimaphatikizapo anthu omwe ali ndi ndalama zochepa zolimbana ndi umphaŵi), koma akuphatikizanso anthu omwe ali ndi ndalama pakati pa 100 peresenti ndi 138 peresenti ya umphawi, omwe ali oyenerera kulandira ndalama zowonjezera koma akukhala akhoza kulandira Medicaid mmalo mwake ngati boma lawo lidavomereza ndalama zowonjezera kuonjezera chithandizo cha Medicaid.
• Ndiwe wodzipereka ndi AmeriCorps, VISTA, kapena National Civilian Community Corps
  Mabungwewa amapereka antchito odzipereka ndi inshuwalansi ya nthawi yayitali yomwe siyikudziwika kuti ndi yofunika kwambiri ndipo sangathe kukwaniritsa udindo wa ACA. Koma kumasulidwa kukutanthauza kuti palibe chilango cha odzipereka awa.

Kodi Ndingapeze Bwanji Chiwombolo cha Inshuwalansi ya Zaumoyo?

Boma lanu la inshuwalansi ya umoyo ndilo kupereka ndalama zina, pamene ena akuyenera kudzinenera kubwerera kwa msonkho. IRS ili ndi tsamba lamasamba lomwe limafotokozera momwe angapezerepo mwayi uliwonse.

Ngati mukukonzekera kugwiritsa ntchito ufulu umene mukuyenera kuitanitsa pa msonkho wanu wobwezera msonkho, kusinthanitsa kungayankhe mafunso ndikuthandizani kudziwa ngati muli oyeneredwa kuti mukhale oyenerera. Nthaŵi zina, kumasulidwa kofanana komweku kungapezeke pasanakhale kuchokera kusinthanitsa, kuti musamayembekezere mpaka mutapereka misonkho.

Ngati kuchoka kwanu kuli chifukwa chokhala ndi ndalama zochepa zomwe simungapereke misonkho ya boma, simukuyenera kuitanitsa; ndizodziwikiratu. Ngati mumapereka misonkho ngakhale kuti simukufunikira, mwachitsanzo, chifukwa mukufuna kubwezeredwa, simudzasowa msonkho.

Sindiyenerera Mphatso ya Inshuwalansi ya Zaumoyo; Kodi Ndingapewe Bwanji Chilango?

Ngati simukuyenerera kupereka malipiro ndipo simukufuna kulandira chilango, bwenzi lanu labwino kwambiri popewera ndi kupeza inshuwalansi ya thanzi.

Ngati mulibe ntchito kapena simungapeze inshuwalansi ya umoyo kudzera mwa abwana anu, njira yanu yotsatira ndiyo kuyesa inshuwalansi ya umoyo wanu. Mapulani onse a inshuwalansi a malonda omwe amagulitsidwa pogwiritsa ntchito kusinthanitsa amatha kukwaniritsa malamulo ochepa oyenera kufalitsa. Kusinthanitsa kudzayang'aniranso kuti muwone ngati muli oyenera kulandira thandizo lililonse ( malipiro a msonkho wapamwamba kapena kuchepetsa ndalama zogawana ndalama ) kuti muthe kukuthandizani kupeza malipiro / kapena kuchepetsa ndalama zomwe simukumana nazo mukamagwiritsa ntchito thanzi lanu inshuwalansi.

Musanayambe kugula inshuwalansi pa inshuwalansi ya umoyo wanu, phunzirani momwe mungasankhire inshuwalansi yaumoyo yomwe ndi yabwino kwambiri yopezera chisamaliro chanu ndi bajeti yanu .

_Zotsatira:

_{Alliance of Health Care Sharing Ministries}

> Mapulogalamu a Pakhomo la mkati. Udindo Wagawidwe Wagawo Aliyense - Kufotokozera ndi Kuwerengera Malipiro.

> Mapulogalamu a Pakhomo la mkati. Ndondomeko ya Ndalama 2017-36 .

_{Institute of Information Information. 26 US Code 5000A (Zopindulitsa Care Act).}