Ntchito Zowonongeka kwa Banja Mosiyana ndi HDHP Kuposa Mitundu Ina
Ngati inshuwalansi ya banja lanu ndi ndondomeko ya thanzi labwino, banja lanu limagwiritsidwa ntchito mosiyana ndi momwe munachitira mukakhala ndi inshuwalansi yathanzi. Ngati simukumvetsa bwino momwe deductible banja limagwirira ntchito mudongosolo lapamwamba la thanzi la HDHP, mungadabwe. Inshuwalansi ya umoyo wanu sungayambe kubwezera phindu pamene mukuganiza kuti, kapena wachibale wina akhoza kulipira zambiri kuposa momwe mukuyembekezera.
Ngati simukudziwa momveka bwino za zomwe deductible ndizo, zomwe zikuyamikiridwa ndi izo, ndi zomwe zimachitika mutapereka ndalama zowonjezera, werengani " Inshuwalansi ya Umoyo Yotayika-Kodi Ndiyo Yomwe Imagwirira Ntchito " Musanapite patsogolo. Mudzafunikira kumvetsetsa kofunikira kwa deductibles musanazindikire momwe HDHP ya banja deductible amasiyana ndi chizoloŵezi.
Momwe Banja Lidapangidwira Ntchito mu Mapulani Otsata Okhudzidwa
Ndi kulumikizana kwa banja mu HDHP, ndondomeko zaumoyo sizimayambira kwa munthu aliyense m'banja kuti ndalama zonse zidaperekedwa, kapena mpaka wodwala atalandira chithandizo amapeza malire ovomerezeka apakati pa chaka (mu 2017, malirewo ndi $ 7,150; mu 2018, ndi $ 7,350). Choletsedwa chomwe chimalepheretsa munthu mmodzi m'banja kuti azikhala ndi ndalama zambiri kuposa chiwerengero cha apolisi chokhacho chinakhazikitsidwa mu 2016, ndipo akufotokozedwa pansipa.
Monga munthu aliyense m'banja amapereka ndalama zothandizira odwala, ndalama zomwe amalipiritsa pazogwiritsiridwa ntchitozi ndizoyamikiridwa kuti zaperekedwa kwa banja. Zomwe ndalamazi zimaphatikizapo kuwonjezera pa banja loperekedwa, kachilombo ka HDHP kakakwera ndipo kayamba kulipira gawo lake la mtengo wa ndalama zothandizira odwala m'banja.
Mu HDHP, banja lokhazikitsidwa likhoza kukumana ndi njira ziwiri:
- Wina wa m'banja ali ndi ndalama zambiri zothandizira. Mwa kulipira ndalama zothandizira zaumoyo, iye amafika pakhomo la banja loperekedwa komanso kulumikizidwa kwa banja lonse. Koma ngati banja likukwera kwambiri kuposa lalitali lovomerezeka la munthu mmodzi yekha, phindu lidzakankhira kwa munthu mmodzi m'banja mwamsanga pamene malirewo afika, ngakhale kuti deductible yokhala isanakwane.
- Ambiri am'banja amakhala ndi ndalama zochepa zothandizira. Banja loperewera limakwaniritsidwa pamene ndalama zochepazi zikuphatikizidwa pamodzi kufika pa ndalama zomwe zimaperekedwa.
Kodi Zingakhale Zosiyana Bwanji ndi Banja Lomwe Zilibe Pulogalamu ya HDHP?
Mu ndondomeko yowonjezera yaumoyo, munthu aliyense m'banja amakhala ndi deductible yekha ndipo banja lonse lathunthu limachotsedwa m'banja. Chilichonse chomwe chimaperekedwa kwa anthu omwe amadzipatulira chimatchulidwanso kuti chaperekedwa kwa banja.
Pali njira ziwiri izi zothandizira zaumoyo za HDHP ziyamba kulipilira ubwino kwa wina aliyense m'banja.
- Ngati munthu akukumana ndi munthu wakeyo, ndalama zowonongeka zimayambira ndikuyamba kulipira ndalama zothandizira odwala okha, koma osati kwa ena a m'banja.
- Ngati banja likugonjetsedwa, malingaliro azaumoyo amatha kutsogolo-kwa aliyense wa m'banja ngati ali ndi zofuna zawo zokha kapena ayi.
Mukhoza kudziwa zambiri zokhudza momwe deductible ya banja imagwirira ntchito mu HDHP yomwe ikukonzekera mu " Momwe Banja Lidaperekera Ntchito ."
Kusiyana pakati pa mtundu wa thanzi la inshuwalansi deductible system ndi banja lomwe limaperekedwa mu ndondomeko ya thanzi la HDHP ndikuti munthu amene adzalandira ndalama zake amachotsedwera mu chithandizo cha banja la HDHP . Pali njira imodzi yokha yomwe dongosolo la thanzi la HDHP lidzayamba kulipilira phindu kwa aliyense wa m'banja: banja la deductible linakwaniritsidwa. Koma pansi pa malamulo atsopano omwe anakhazikitsidwa mu 2016, zopindulitsa zidzakankhira munthu aliyense m'banja mwakachetechete akadzakumananso ndi malire a kunja kwa chaka chimenecho, ngakhale ngati banja lakelo likukhazikitsidwa.
Mosiyana, ndi ndondomeko yosasintha ya HDHP, banja loperekera ndalama silingagwirizane ndi ndalama zothandizira za munthu mmodzi m'banja. Zimatengera kuwonjezereka kwa anthu ena a m'banja limodzi kuti afike ku banja loperekedwa.
Malamulo Anasinthidwa Mu 2016
Dipatimenti ya Zaumoyo & Zopereka Zaumunthu yakhala ikuthandizira malamulowa pazinthu zopanda thanzi zomwe sizinali zazikulu. Izi zimakhudza kwambiri mapulani azaumoyo a banja la HDHP. Kuwonjezera makwinya ndi izi: ndondomeko ya thanzi siingathe kuti munthu aliyense azilipira deductible yomwe ili yayikulu kuposa federal malire a kunja kwa mthumba pamtundu uliwonse, ngakhale munthu ameneyo ataphimbidwa ndi banja lonse loperekedwa. Kwa 2016, mtengo wapamwamba wa munthu payekha uli wochepa kwa $ 6,850.
Chitsanzo: Tiyeni tizinena kuti ndalama zonse zadongosolo lanu la 2016 ndi $ 12,000. Wina aliyense m'banja akalipira madola 6,850 kuti adziwe ndalama zokwanira, chiwerengero cha munthu ameneyo chiyenera kukhazikitsidwa popanda kugawana ndalama zofanana monga copays kapena coinsurance. Kuwonekera kwa munthu uyu kumangoyendetsa chifukwa iye tsopano wafika malire osayenerera amtundu wa munthu. Komabe, kufotokozera kwa mamembala ena a banja lanu sikudzakankhira mpaka banja lonse la deductible litakwaniritsidwa.
Kusintha kwa malamulo kumeneku kumachitika mwamsanga pamene inshuwalansi ya umoyo wanu ikukhazikitsanso mu 2016. Mpakana pomwepo, dongosolo lanu labwino lidzatsatira malamulo akale. Boma limadzutsa malire apamwamba pa miyeso yodula miyezi ing'onoing'ono pachaka kuti iwerengere za kutsika kwa mitengo.
Kodi Mukudziwa Bwanji Njira Yomwe Banja Lanu Limasinthira?
Ambiri a HDHP amagwiritsa ntchito njira yochepetsera banja yomwe palibe munthu aliyense amene amapeza ndalama zokwanira. Izi zimadziwika ngati gulu lonse loperekedwa .
Koma kachiwiri, izo tsopano zimadalira ngati banja deductible ndi lalitali kapena locheperapo kuposa malire apamwamba omwe ali kunja kwa mthumba kuti athandizidwe payekha chaka chomwecho. Mwachitsanzo, ngati banja la HDHP lili ndi ndalama zokwana madola 6,000, banja lina lingathe kukwanitsa kukwaniritsa ndalama zonse mu 2017. Koma ngati banja likudula ndalama zokwana madola 10,000, mmodzi m'banja sangagwiritse ntchito ndalama zoposa $ 7,150 chisanachitike angayambe kulowetsa munthu ameneyo, ngakhale kuti banja lakelo likukhazikitsidwa. Choncho kaya lamulo latsopanoli kapena ayi likusintha chilichonse chokhudza kufotokozera banja lanu kumadalira momwe mkulu wanu akufunira.
Mapulani ambiri omwe sali a HDHP amagwiritsa ntchito njira zomwe amapindula ndi anthu omwe amakumana ndi ndalama zawo asanapereke ndalama. Izi zimatchedwa kuti embedded deductible . Mungathe kukumbukira mawu awa ngati mukuganiza zazifukwa zosiyanasiyana zomwe zimadulidwa mkati mwa mabanja akuluakulu.
Mabuku a ndondomeko ya thanzi lanu akuyenera kukuuzani momwe ntchito yanu ikugwirira ntchito. Zingagwiritse ntchito zitsanzo, kapena zingagwiritse ntchito mau aggregate deductible vs emductible deductible. Ngati sizikuwoneka bwino, funsani dongosolo laumoyo ndikufunsani kapena, ngati ndi inshuwalansi yothandizira ntchito, yang'anani ndi dipatimenti yanu yothandiza pantchito.
Ngati nthano yanu ya HDHP ya Benefits ndi Coverage ikulongosola ndalama zonse zomwe mungagwiritsire ntchito ndalamazo komanso ndalama zomwe mumagwiritsa ntchito pakhomo lanu, musaganize kuti imagwiritsa ntchito njira yotsekemera. Chokhachokhacho chingakhale cha anthu omwe sali kulemba banja lonse m'malo mwa anthu omwe ali mu ndondomeko ya banja.
Chomwe Chilibwino, Chigamba Chotayika Kapena Chotchedwa Deductible?
Malinga ndi malamulowa, zopatsa ndalama zowonjezera zimakonda kupulumutsa mabanja pa ndalama zowonongeka chifukwa chithandizo chaumoyo-kwa achibale ena abambo onse asanalandidwe. Izi zimabweretsa anthu odwala kwambiri omwe ali ndi inshuwalansi zothandizira umoyo wawo - posakhalitsa ndi mabanja omwe amachotsedwa kuposa momwe akanafunira-kugwiritsa ntchito njira ya HDHP ya ndalama zambiri zomwe zimachotsedwa.
Komabe, momwe banja lirilonse limagwiritsira ntchito ntchito zothandizira zaumoyo ndizosiyana. Woweruza kuti ndi njira iti yomwe imagwirira ntchito bwino kwa banja lanu pogwiritsa ntchito inshuwalansi ya umoyo wa banja lanu.
Chenjerani-Osati Mapulani Onse Opambana Ndi HDHPs
Musaganize kuti, popeza muli ndi deductible yapamwamba, muyenera kukhala ndi ndondomeko yathanzi. HDHP ndi mtundu wathanzi wa inshuwalansi ( HSA-qualification ), osati ndondomeko yakale yomwe ili ndi deductible kwambiri. Popeza HDHPs ikukuthandizani kuti mutenge nawo mbali ku Account Savings Account , iwo ali ndi malamulo ena apadera omwe amawasiyanitsa ndi mapulani omwe alibe HDHP. Ngakhale mutakhala ndi HDHP PPO kapena HDHP EPO, izi zidzatsata malamulo onse apadera omwe amapanga HDHP, osati ndalama zokhazokha.
Ngati ndondomeko yanu ndi HDHP, ndondomeko yanu yaumoyo iyenera kuigwiritsa ntchito ngati HDHP kapena ndondomeko ya thanzi yapamwamba. Kuonjezerapo, zikhoza kutanthawuza kuphatikiza inshuwalansi ya umoyo wanu ndi HSA.
Zoopsa Za Umoyo Vs HDHP - Osati Chinthu Chomwe Chokha
> Zotsatira:
> Federal Register. Dipatimenti ya zaumoyo ndi zithandizo zaumunthu. Chitetezo cha Odwala ndi Ntchito Yopindulitsa Yothandiza, Chidziwitso cha Kupindula ndi Kulipira Malipiro a 2016. February 27, 2015.
> Federal Register. Dipatimenti ya zaumoyo ndi zithandizo zaumunthu. Chitetezo cha Odwala ndi Ntchito Yodalirika Yothandizira, Chidziwitso cha Kupindula ndi Kulipira Malipiro a 2017. March 8, 2016.
> Federal Register. Dipatimenti ya zaumoyo ndi zithandizo zaumunthu. Chitetezo cha Odwala ndi Ntchito Yopindulitsa Yodalirika, Zindikirani za Kupindula ndi Kulipira Malipiro a 2018. December 22, 2016.