Kodi ndinu oyenerera kuwonjezeka kwa inshuwalansi ya COBRA chifukwa chakutaya ntchito , kusudzulana, kutha msinkhu , kapena kukalamba ku inshuwalansi ya ntchito ya makolo ? Zochitika zomwezo zomwe zikuyeneretsani zimakupangitsani kuti mukhale ndi mwayi wapadera wolembetsa pa inshuwalansi ya umoyo wanu wa Obamacare.
Pansi pa COBRA, mudzalipira mtengo wanu wonse pazomwe mukuchita, mosasamala kanthu za momwe mulili.
Koma ngati mutenga ndondomeko yosinthanitsa, mungakhale oyenerera thandizo lachuma lomwe lidzatengere mbali yowonjezereka (ndipo nthawi zina, gawo limodzi la ndalama zothandizira ).
Lowani ku Obamacare Ngati Mulipira Inshuwalansi ya Moyo wa COBRA
Inde. Muli ndi nthawi yochepa yochitapo kanthu (kutayika ntchito kapena kusudzulana, mwachitsanzo) kulembetsa COBRA. Chochitika chomwe chikukuchititsani kuti mutaya mwayi wothandizira pulojekiti yanuyi idzapangitsanso nthawi yolembera yapadera pa Care Your Affordable Act Insurance inshuwalansi ya moyo (kapena kwa ACA-yovomerezeka dongosolo loperekedwa kunja kwa kusinthanitsa).
Muli ndiwindo la masiku 60 lolembera, mosasamala kanthu kuti mungasankhe kupitiliza ndondomeko yanu yomwe mwagwiritsira ntchito ndi COBRA, kapena musankhe ndondomeko yatsopano yogulitsa malonda (kapena kusinthanitsa, ngakhale kuti thandizo la ACA premium sizipezeka kunja kwa kusinthanitsa).
Kumayambiriro kwa Obamacare, lamuloli ndiloti ngati mwasankha kupita ndi COBRA, nthawi yanu yolembera payekhayo imatha pamapeto pake, mosasamala kuti mwatha masiku angati 60. Mwachitsanzo, ngati ntchito yanu yokhudzana ndi ntchito idawonongedwa pa June 30 ndipo mutasankha pa July 15 kuti mupitirize ndi COBRA, mwataya masiku makumi asanu ndi awiri otsiriza a nthawi yolembera yapadera yomwe munakhala nayo pakusankha ndondomeko yamsika.
Koma izi zinasintha kumapeto kwa chaka cha 2016. HHS inadziŵa kuti anthu ena akulembera COBRA panthawi yomwe amachoka kuntchito zawo ndipo amatha kuchita zimenezi popanda kumvetsetsa momwe angagwiritsire ntchito malonda ndi mitengoyo poyerekeza ndi kukhazikitsa dongosolo la ntchito ndi COBRA. Kotero malamulo adasinthidwa kuti alole anthu kuti akhalebe ndi nthawi yokwanira yolembera masiku makumi asanu ndi limodzi kwa msika pawokha, mosasamala kanthu kuti avomereza COBRA kapena ayi .
Zowonjezera masiku makumi asanu ndi limodzi (60) olembetsera malonda (mwachitsanzo, mtundu umene mumagula nokha, makamaka kudzera mwazogulitsa za Obamacare, komanso mwachindunji kuchokera kwa a inshuwalansi) akuyamba tsiku limene chitsimikizo cha abwana anu chitatha-kapena chikanatha ngati inu muli Tavomereza COBRA.
Ngakhale mutasankha COBRA kumayambiriro pazenera, mudakali ndi masiku 60 kuti muthe kusankha malonda. Izi zingakhale zothandiza makamaka pamene anthu adzipeza kuti ali ndi vuto lomwe polojekiti yawo imathandizira pakati pa mwezi ndipo ali pakati pa chithandizo chamankhwala. Zikatero, tsiku loyambirira lomwe lingagwiritsidwe ntchito pa malonda omwe adagulidwa ndikusinthanitsa lidzakhala loyamba mwezi wotsatira.
Koma COBRA ikhoza kugwiritsidwa ntchito kutsegula mwezi wotsalira womwe polojekiti yomwe inakonzedwa ndi abwana idawonongeka, ndipo munthuyo akhoza kusinthana ndi ndondomeko yamsika yamagulu ngati izi zimapindulitsa kwambiri.
Pambuyo pawindo la masiku 60, simudzakhala ndi mwayi wosankha COBRA ngati simunayambe kale, ndipo simungathe kusankha njira imodzi yamsika ngati mutasankha poyamba COBRA (mungakhale mwayi wokasintha payekha malonda pa nthawi yotsatira yolembera , yomwe imachitika chaka chilichonse kugwa, koma chisankho chosankha COBRA chimawonongeka kamodzi pomwe mawindo oyambirira amatha).
Kotero ndikofunika kusankha mwanzeru, pamene mutsekeredwa mu chisankho chanu kwa kanthawi kenaka. Koma malamulo ochepetsetsa pa nthawi yolembera mwapadera pamsika (pokhapokha mutakhala ndi mwayi wa COBRA) amatanthauza kuti mungatenge nthawi yanu ndipo mutha kusintha maganizo anu, malinga ngati mutachita masiku 60.
Kodi ndingapeze chithandizo cha Obamacare Chothandizira Kulipira COBRA?
Ayi. Zothandizira ndalama za inshuwalansi zothandizira ngongole zapamwamba komanso ndalama zothandizira ndalama zomwe zilipo pa Marketplace zikhoza kugwiritsidwa ntchito ndi mapulani azachuma omwe adagulidwa pa Marketplace . Ngati mumagula inshuwaransi ya umsika ku Marketplace, kaya ndi COBRA yopitiriza chithandizo kapena inshuwalansi yathanzi yaumwini, simungagwiritse ntchito ndalama za Obamacare kuti muthetse ndalama.
Kodi Mphatso ya COBRA Inshuwalansi Ikundipangitsa Kuti Ndikhale Wovomerezeka pa Chithandizo cha Obamacare?
Ayi. Kuperekedwa kokha kwa COBRA sikukukhudzani kuthekera kwanu kuti muyenerere ndalama za Obamacare. Koma, kuti mutengere mwayi wothandizira, muyenera kusiya chithandizo chanu cha COBRA ndikulembera ndondomeko ya Obamacare kupyolera mu inshuwalansi ya umoyo wanu panthawi yanu yolembera yapadera ya masiku 60. Muyeneranso kupeza zosowa ndi zina kuti muyenerere ndalama.
Ngati Ndimasaya Kapena Ndisamalire Cobra Zanga Zanga, Ndingapezebe Chithandizo cha Obamacare?
Mwina. Kutaya kapena kuchotsa COBRA yanu sikukuletsani kupeza chithandizo cha Obamacare, koma kungakhudzire kukwanitsa kwanu pa dongosolo la Obamacare. Popeza mungagwiritse ntchito ndalama zokhazokha ndi ndondomeko ya Obamacare, kuti muyenerere ndalama zothandizira, simungakuthandizeni konse ngati simukuyenera kulemba ndondomeko ya umoyo wa Obamacare.
Ngati mutayika inshuwalansi ya inshuwalansi yanu ya COBRA chifukwa nthawi yanu ya COBRA yokwanira miyezi 18-36 yatha, muyenera kukhala ndi nthawi yolembetsa masiku makumi asanu ndi limodzi pa Marketplace (yofanana ndi nthawi yoyenera yomwe inagwiritsidwa ntchito pamene mudali woyenera ku COBRA ). Mungathe kulembetsa ndondomeko ya Marketplace ndikupempha chithandizo pa nthawi yapaderayi.
Ngati mwadzidzidzi mwafafaniza kufalitsa kwanu COBRA kapena munataya chifukwa simunalipire malipiro anu , simungathe kulembetsa ku Marketplace. Muyenera kuyembekezera mpaka nthawi yotsatira yolembera kuti mulembe dongosolo la Obamacare. Pa nthawi yolembera, mungathe kuitanitsa ndalama zothandizira anthu omwe ali ndi malipiro osachepera oposa 400% a boma la umphaŵi komanso ndalama zothandizira anthu omwe ali ndi ndalama zopitirira 250% za FPL.
Nditani?
Mukayamba kulandira COBRA, yang'anani mosamala zachuma chanu ndi kufufuza momwe ndalama zanu za COBRA zidzakhalire . Dzifunseni nokha ngati mutha kupereka ndalama zapakhomo za COBRA zomwe mwasintha pazochitika zanu zachuma chifukwa cha zomwe mukuyenera kuchita.
Kenaka, fufuzani ngati mungakhale oyenerera thandizo kulipira inshuwalansi ya umoyo mumagula pa Marketplace. Ngati muli oyenera kulandira thandizo, kodi ndondomeko ya Obamacare idzafanana bwanji ndi ndalama zomwe mukuzigwiritsira ntchito potsatira chithandizo?
Yerekezerani mtengo wanu ndi chithandizo chovomerezeka cha Obamacare ndi mtengo wanu wa kuwonjezeka kwa COBRA. Zomwe zimakulimbikitsani ndi ndondomeko yanu yathanzi poyerekeza ndi kusintha kayendedwe kathanzi, ndipo pangani chisankho chanu pazifukwazi.
Zotsatira:
HealthCare.gov. Makampani a COBRA ndi Marketplace.
> HealthCare.gov. Glossary: > Nthawi yolembetsa yapadera
Kaiser Family Foundation. Kusintha kwa Zaumoyo FAQs Tag: COBRA
United States Dipatimenti Yachigawo, Mapindu Ogwira Ntchito Security Administration. FAQs About COBRA Kupitiriza Health Care.