Pewani chilango cha msonkho chosavomerezedwa
Ngati mumakhala ku United States ndipo mulibe inshuwaransi yaumphawi , mutha kulipira msonkho pokhapokha mukalandira ufulu wa inshuwaransi . Lamulo la Tax Cuts and Jobs, lomwe linakhazikitsidwa mu December 2017, lidzachotsa chilango cha munthu aliyense kuyambira mu 2019. Padzakhalabe chilango cha kusavomerezedwa mu 2018 (chomwe chidzayankhidwa pa chiwerengero cha msonkho cha 2018, chomwe chidzatumizidwa mu 2019), koma padzakhala Sipadzakhalanso chilango chosavomerezedwa mu 2019 ndi kupitirira.
Zambiri zomwe zimakuyenererani kuti mukhale ndi inshuwalansi ya umoyo ndizouma. Mwina ndinu Mwamerika Wachibadwidwe, kapena simuli. Mwina inu muli a utumiki wogawana nawo zaumoyo, kapena simukutero. Mapulani omwe ali otsika mtengo kwambiri omwe alipo m'dera mwanu amawoneka kuti ndi okwera mtengo, kapena si (ndalama zokhazokha zimachokera pa chiwerengero cha ndalama zanu, mu 2018, ndi 8.05 peresenti ya ndalama zanu ). Kuti muwone zoyenera zowudula ndi zowuma, onani " Kodi Mungapeze Ufulu wa Inshuwalansi Zaumoyo? "
Chinthu chimodzi chokhazikitsira ufulu chomwe chimakhala ndi chipinda chimodzi chokha ndizovuta kukhululukidwa. Pano pali zomwe muyenera kudziwa zokhudza momwe mungaperekerere mavuto a ACA payekha.
Kuwomboledwa kwa Zovuta-Zowona
Pali njira zitatu zowonjezereka zomwe zingathandize kuti munthu asatengere udindo wake.
- Chinachake chinachitika kwa inu kuti mwadzidzidzi mwawonjezera ndalama zomwe mukufunikira pamoyo wanu. Kuwonjezeka kumeneku pazinthu zofunika zomwe mumapereka kumakupangitsani kuti musayambe inshuwalansi ya thanzi.
- Ndalama yogula inshuwalansi ya thanzi ingakupangitseni kuti musadye chakudya, pogona, zovala, kapena zina zofunika.
- Zina mwazifukwa zina zimakulepheretsani kupeza inshuwalansi yaumphawi, kapena kugula inshuwalansi ya umoyo ndi katundu umene boma limaona kuti ndi lovomerezeka.
Kuchokera kwa Zovuta-Zambiri
Popeza malamulowa ndi abwino kwambiri, boma limapereka malangizo othandizira kusinthanitsa ndi inshuwalansi za momwe angagwiritsire ntchito malamulowa kwa anthu komanso mabanja omwe akufunsana kuti asamangidwe.
Pano pali chilankhulo choyera, chidule cha zolembazo.
Bungwe lanu la inshuwalansi ya umoyo limaloledwa kukupatsani ufulu wosasamala ngati chimodzi mwa zinthu izi chikutchitseni kupeza inshuwalansi ya thanzi:
- Inu mulibe pokhala.
- Mudathamangitsidwa m'miyezi isanu ndi umodzi yapitali.
- Mukuyang'anizana ndi kutulutsidwa kapena kutsegulidwa.
- Mudalandira chidziwitso chotsutsa ku kampani yanu yogwiritsira ntchito.
- Mwapereka ndalama kwa bankruptcy mkati mwa miyezi isanu ndi umodzi yapitayi.
- Muli ndi ngongole zambiri chifukwa cha ndalama zothandizira odwala m'miyezi 24 yapitayi.
- Kusamalira wodwala, wodwala, kapena wokalamba wodwala mosayembekezereka kunachulukitsa ndalama zofunika pamoyo wanu.
- Posachedwa mwakhala mukuchitiridwa nkhanza m'banja.
- Wachibale wapamtima wangomwalira kumene.
- Posachedwa mwakhala ndi moto, kusefukira kwa madzi, kapena tsoka lina limene lawononge kwambiri katundu wanu.
- Ndiwe woyenerera ku Medicaid chifukwa chakuti dziko lanu silinalikulitsa chithandizo cha Medicaid monga momwe adayankhira ndi Care Affordable Care Act . Khoti Lalikulu linagamula kuti mayiko sankayenera kuwonjezera Medicaid yawo ngati sakufuna. Ngati dziko lanu lasankha kuti lisakulitse chithandizo cha Medicaid koma mukadakhala oyenerera ngati atapambana Medicaid, mungakhale oyenerera kukhululukidwa zovuta (zindikirani kuti ngakhale izi ziri pazinthu za zinthu zomwe zingayenere munthu kuti asatuluke, IRS imakhalanso ndi gulu losiyana la chilango kwa anthu omwe ali pamkhalidwe umenewu).
- Mwana wanu akhoza kulandira thandizo lovuta ngati wina akulamula kuti apereke chithandizo chamankhwala. Munthu amene ali ndi udindo wopereka chithandizo chamankhwala sangakhale munthu yemweyo yemwe amati mwanayo ndi wodalira msonkho. Mwanayo ayenera kutsimikiziridwa kuti ndi woyenerera kwa Medicaid ndi Pulogalamu ya Inshuwalansi ya Ana . Potsirizira pake, kukhululukidwa kwabwino ndi kwabwino kwa miyezi yomwe thandizo lachipatala likugwira ntchito.
- Mungakhale oyenerera kuthetsa zovuta kuti muthetse miyezi yomwe simunakhale nayo inshuwalansi ngati chigamulo chovomerezeka chikugwirizanitsa kuti muyenera kulandila miyezi imeneyo.
- Zolinga zonse zomwe zilipo mu kusinthanitsa m'deralo zikuphatikizapo kufotokozera mimba, ndipo mumatsutsana ndi zomwezo (izi zowonjezeredwa mu April 2018 ).
- Palibe malingaliro omwe angapezedwe mukusinthasintha m'deralo (izi zowonjezeredwa mu April 2018; panthawiyi sipanakhalepo malo ena a dziko lomwe simungathe kusinthanitsa ndondomeko, ngakhale kuti malo angapo ali pangozi yotsimikiziridwa mu 2018. palibe chisonyezero chakuti padzakhala malo opanda malingaliro osinthanitsa a 2019, koma sipadzakhalanso chilango cha kusalimbikitsidwa mu 2019. Komabe, kukhululukidwa kwachifukwachi kumapitirira kwa mwezi umodzi chisanachitike chaka chotsutsa, kotero chikhoza Gwiritsiridwa ntchito ngati ufulu kwa December 2018, kudera lomwe palibe mabungwe omwe amapereka ndondomeko za 2019).
- Pali mphotho imodzi yokha yopereka malingaliro kumalo anu ndipo inu "mungasonyeze kuti zosankha zomwe mwasankhazi zakulepheretsani kupeza kufotokozera pansi pa [dongosolo labwino la thanzi]." (Kukhululukidwa uku kunawonjezeredwa mu April 2018).
- Mukukumana ndi zovuta zogwirizana ndi zosankha zomwe muli nazo komanso zosowa zanu zachipatala. Mwachitsanzo, ngati mukufuna kukhala ndi katswiri wapadera pa zamankhwala ndipo palibe ndondomeko yaumoyo yomwe ilipo pamsinkhu wanu ndikuphatikizapo katswiri pazinthu zawo. (kuchotserako izi kunawonjezeredwa mu April 2018).
Pano pali chitsanzo cha momwe izi zingagwire ntchito. Inu munalephera chifukwa choti ndalama zanu za mtengo wapatali kwambiri zogulira ndalama zinali zoposa 8.05 peresenti ya zomwe mumapeza (nambala iyi imasinthidwa chaka ndi chaka kuti izi zitheke ). Poyamba mudalipira ndalama kuti muthe kulipira inshuwalansi ya umoyo, koma mudapempha chisankho cha ndalama. Panthawiyi, inu munalibe inshuwalansi ya thanzi.
Potsirizira pake, mumapambana chisankho chanu ndipo mumalandira ndalama zowonjezera , kotero mutha kukwanitsa inshuwalansi ya umoyo. Komabe, izi zikutanthawuza kukhululukidwa kwanu chifukwa inshuwalansi yaumphawi inali yokwera mtengo kwambiri chifukwa chosabwereranso tsopano. Kotero, mungathe kuitanitsa zovuta kuti muthetseko miyezi yomwe munalibe inshuwalansi chifukwa mudali kuyembekezera.
Chigamulo chodandaulirachi chingakhale ngati mungathe kulembetsa ku inshuwalansi ya umoyo wathanzi, oyenera kulandira malipiro apamwamba a msonkho wa ngongole , kapena oyenerera ndalama zothandizira ndalama .
Kuti mudziwe chifukwa chake mungasamalire chifukwa choyambirira cha ndondomeko ya thanzi la mtengo wapatali kwambiri pazomwe mumasintha ndikuposa 8.05 peresenti ya zomwe munapeza mu 2018, kapena mndandanda wa zina zomwe mwapeza, werengani nkhaniyi . Mudzaphunziranso za njira zomwe mungaphunzire kuti mukhale ndi ufulu wodzisankhira.
Mdierekezi ali mu Dongosolo
Pali mfundo zingapo zofunikira pazomwe zili pamwambazi zomwe zingakhudze chisankho chanu chogwiritsira ntchito kusungidwa kovuta.
Choyamba, mavuto omwe akufotokozedwa mu ndondomekozi akuyenera kutilepheretsa kupeza inshuwalansi ya thanzi. Mwachitsanzo, ngakhale imfa ya wachibale wapamtima ikhoza kukhala pazitsogozo, simungakwanitse kuthetsa vutoli ngati wachibale wanu anali mbale wanu omwe simunamumane nawo ndipo imfa yake siidakhudze ndalama zanu kapena Kukhoza kwanu kukwaniritsa ntchito za tsiku ndi tsiku moyo. Mukamaliza kulemba mapepala, muyenera kufotokozera momwe zinthu zinakulepheretsani kupeza inshuwalansi ya umoyo.
Chachiwiri, inshuwalansi ya umoyo wa boma ikugwiritsa ntchito malangizo awa, koma kusintha kwa dziko lanu sikungathe (39 zikutanthauza kugwiritsa ntchito HealthCare.gov; zigawo zina 11 ndi District of Columbia zili ndi mapepala awo osinthanitsa). Kusinthanitsa kwa boma kulikonse kumaloledwa kukhala osasinthika kuti adziŵe zochitika zawo-zowunikira pokhapokha atapereka mwayi kwa anthu omwe amakwaniritsa chimodzi mwa zifukwa zitatu zofunika. Iwo sayenera kugwiritsa ntchito ndondomekoyimodzimodzi kuti azindikire kuti ndi zinthu ziti zomwe zimapangitsa anthu kukwaniritsa chimodzi mwa zinthu zitatu zoyenera.
Chachitatu, malangizo ambiri ali ndi malire a nthawi monga chitsogozo choperekera chisankho ngati mutathamangitsidwa m'miyezi isanu ndi umodzi yapitali. Malire a nthawi adzakhudza nthawi ya mavuto anu. Mwachitsanzo, ngati mutathamangitsidwa mu Januwale, mudzakhala ndi ufulu wokapulumuka kuyambira Januwale mpaka June, koma mufunika kupeza inshuwalansi ya umoyo mwa July kapena mutakhala ndi chilango cha msonkho.
Ngati malipiro amatha nthawi imene inshuwalansi ya umoyo wanu sikulandira mapulogalamu a inshuwalansi ya umoyo chifukwa si olembetsa , musadandaule. Kutulutsidwa kwanu kotheka kumakupatsani mwayi wolembetsa nthawi yapadera .
Chimodzimodzinso, ngati zinthu zomwe zikukuthandizani kuti mukhale ndi zovuta zowonjezereka sizikhalapo, mwachitsanzo, simulibe pokhala, mudzakhala oyenerera nthawi yolembetsa kuti mulembe inshuwalansi ya umoyo.
Mmene Mungapezere Kulimbana ndi Mavuto
Ngati mukuganiza kuti mungakhale oyenerera, yesetsani kuthetsa mavuto anu kudzera mu inshuwalansi ya umoyo wanu. Yambani kugwiritsa ntchito ntchito yovuta yotsatsa chisankho cha federal inshuwalansi ya umoyo amagwiritsira ntchito kuti mudziwe zomwe mukufunikira kuti musonkhanitse, koma kumbukirani kuti ntchito yanu ya boma ingakhale yosiyana.
Pezani zambiri zokhudzana ndi inshuwalansi ya umoyo wanu.
Ngati mwavomerezedwa kuti muthe kusinthana ndi mavuto a dziko lanu, ndiye kuti mukanapempha kuti mutenge msonkho wanu. Koma mphotho yomweyo iyenera kuperekedwa mwa kusinthanitsa-iyo siingaperekedwe ndi IRS (zina zotulutsidwa zimapezeka kuchokera ku kusinthanitsa, ndi zina kuchokera ku IRS).
Zotsatira:
Dipatimenti ya zaumoyo ndi zithandizo zaumunthu. Pulogalamu ya Odziwitsa Anthu ndi Kuyang'anira Inshuwalansi. > Kuwongolera pa Zowonongeka kwa Masautso Kuchokera kwa Udindo Wagawo Wagawidwe Wopereka Kwa Anthu Amene Ali ndi Zosankha Zochepa Zokha kapena Zina Zina. April 9, 2018.
Cohen, Gary, Deputy Deputy CMS ndi Director of Consumer Information and Insurance Oversight (Dipatimenti ya Zaumoyo ndi Zaumoyo za Anthu). Malangizo pa Zowonongeka Zowonongeka ndi Nthawi Zowonjezera Zapadera . June 23, 2013.
HealthCare.gov. Kuwomboledwa, Mafomu, ndi Momwe Mungayankhire.
Utumiki Wopezeka M'zinthu. Udindo Wagawo Wagawo Wopereka - Kuperekedwa: Kutenga kapena Kulengeza.
Volk, JoAnn. Georgetown University Health Policy Institute. > Kumvetsetsa Nthawi Zowonjezera Zapadera: Kuwoneka pa Ena Amene Adzakhala Athawa. April 3, 2014.