Kuphatikizana kwa ndalama ndi kuphatikizapo pazinthu zasiliva ngati muli woyenera
Kugula inshuwalansi ndi okwera mtengo, ndipo kupereka malipiro a mwezi uliwonse sikofunika kokha kofunika ndi inshuwalansi ya umoyo. Muyeneranso kulipira deductibles , copayments , ndi coinsurance pamene mukugwiritsa ntchito inshuwalansi yaumoyo. Ndalama zowonjezera izi, zomwe zimadziwika kuti kugawana ndalama, zimatha kuwonjezera madola zikwi pa chaka.
The Affordable Care Act inapanga inshuwalansi yothandizira kugula ndi kugwiritsa ntchito inshuwalansi yotsika mtengo kwa anthu omwe ali ndi ndalama zochepa komanso zochepa.
Pali mitundu iwiri:
- Zothandizira zomwe zimachepetsa ndalama za inshuwalansi za mwezi uliwonse zogula inshuwalansi kuti kugula inshuwalansi ndi yokwera mtengo. Phunzirani zambiri za izi, " Kodi Ntchito Yothandizira Inshuwalansi ya Zaumoyo Imathandiza Bwanji ?
- Zothandizira zomwe zimathandiza kulipira ndalama zowonjezera monga ndalama zowonongeka, zolipira, ndi ndalama zothandizira. Izi zimadziwika ngati kugwirizanitsa ndalama, kapena kuchepetsa kugawa ndalama. Iwo amabwera m'magawo awiri, ngakhale ziwalo zonsezi zimangowonjezera muzinthu zasiliva zoyenera kulemba:
- Gawo limodzi limachepetsera ndalama zomwe mumalipiritsa ndalama zanu, zomwe mumapereka, komanso chitsimikizo chanu nthawi zonse mukamagwiritsa ntchito inshuwalansi yanu ya umoyo. Phunzirani zambiri za chithandizo ichi, " Momwe Kugawirana Ndalama za Inshuwalansi Zaumoyo Zimagwira Ntchito ."
- Gawo lawiri limachepetsa mphotho yanu yochuluka kwambiri kuti muthe kulipira pang'onopang'ono pamene ndalama zanu zothandizira zaumoyo zili pamwamba.
Kodi Kutali Kwambiri Kwa Pocket N'kutani?
Pakatikati pa mthumba , kapena malire osatuluka, ndizovuta kwambiri zomwe mukuyenera kulipira kuti muzilipira ndalama zogawa ndalama monga ndalama zanu, ndalama, komanso ndalama zanu pachaka.
Mutapereka ndalama zokwanira zokwanira, ndalama zothandizira ndalama komanso ndalama zothandizira kuti mupeze ndalama zambiri, inshuwalansi ya umoyo imabweza ndalama zonse zomwe mumagwiritsa ntchito pazaka zonse zapadera.
Ngati simugwiritsa ntchito inshuwalansi yanu yambiri, ndalama zomwe mumagwiritsa ntchito potsatsa ndalama sizidzatha kufika malire a kunja.
Komabe, ngati muli ndi matenda aakulu aakulu kapena matenda amodzi owopsa kapena kuvulaza, mungathe kulipira mosavuta ndalama zowonjezera komanso ndalama zokwanira kuti mufike pamtundu wapamwamba.
Mwachitsanzo, ngati mutachoka pamakwerero ndikudula mchiuno mukakongoletsa mtengo, gawo lanu la chipinda chodzidzimutsa, opaleshoni ndi chipatala chikhoza kupitirira $ 10,000 ngati inshuwalansi ya umoyo wanu ilibe malire.
Komabe, ngati inshuwalansi ya umoyo wanu ili ndi malire a $ 6,000, mumasiya kulipira mutapereka madola 6,000 pamadola anu odwala. Pambuyo pake, inshuwalansi ya umoyo imapereka ndalama zokwana 100 peresenti ya bizinesi zaumoyo wanu chaka chonse. Mutha kulipira $ 6000 m'malo $ 10,000. Ngati mukufunikira kusamalidwa kambiri pambuyo pa chaka, dongosolo lanu la thanzi lidzalipira ndalama zonse.
Zisanafike chaka cha 2014, mipangidwe yathanzi siinali yofunikira kuti ikhale ndi malire apamwamba. Zolinga zambiri zinatero, ngakhale kuti panali kusiyana kwakukulu ponena za momwe malire analiri kuchokera ku dongosolo limodzi kupita ku lina. Ndipo zolinga zina sizinatuluke pang'onopang'ono.
Izi siziri choncho chifukwa cha ACA. Kupatulapo ndondomeko ya agogo ndi amayi omwe ali ndi zolinga zambiri, ndondomeko zonse zimayenera kutengera ndalama zokwana madola 6,850 kwa munthu aliyense mu 2016 (malire a banja ndi oposa awiri), ngakhale kuti idzawonjezerekanso kwa 2017 (zomwe ACA akufunikira sizikuwonjezera kwa Medicare; anthu omwe ali ndi chithandizo choyamba cha Medicare alibe malire pa ndalama zawo zopezeka, chifukwa chake ambiri a Medicare amalembetsa chithandizo, mwina polembera Medicare Advantage mmalo mwa Choyamba Medicare, kapena pogula dongosolo la Medigap).
Kodi Zomwe Sizinaphatikizidwe Kwambiri Kwambiri?
Kuposa kwapakati pa mthumba sikuphatikizapo malipiro anu a inshuwalansi ya mwezi uliwonse. Sichikuphatikizapo ndalama zomwe zilibe inshuwalansi kapena zofunikira zaumoyo. Mwachitsanzo, ngati inshuwalansi ya umoyo wanu sichikuphimba ntchito zothandizira anthu kuti azigwira ntchito, ndalama zanu zogwiritsira ntchito ndalama sizingathe kuwerengera ndalama zanu. Sichiphatikizapo gawo loyendetsa bwino la chisamaliro limene muli nalo kuchokera kwa wothandizira chithandizo chamankhwala kunja . Phunzirani zambiri mu " Kodi Sitiwerengera Kuchepa Kwake kwa Mthumba? "
Kodi Mpata Wopanda Wopanda Wotani Usanakhale Wotani?
Mapulogalamu onse a inshuwalansi a umoyo waumwini ndi a banja omwe adagula kupyolera mu malonda a Inshuwalansi ya Care Care akuyenera kukhala ndi malire a kunja.
Boma la federal limayang'anira momwe malirewo angakhalire, ndipo ndalama zololedwa zimasintha chaka chilichonse.
Kwa 2016, mphotho yamtunduwu siikhala pafupifupi $ 6,850 kwa munthu kapena $ 13,700 kwa banja. Komabe inshuwalansi ya thanzi ikhoza kukhala ndi malire amtundu wotsika kuposa apo.
Kodi inshuwalansi ya umoyo imakhala yochuluka bwanji?
Momwe ndalama zothandizira zimachepetsera malire anu omwe amachokera pamtundu wanu. Ndalama zanu zowonjezereka ndizofika ku federal level level (FPL), pomwe ndalama zanu zowonjezera zichepa. FPL amasintha chaka chilichonse ndipo amasiyana malinga ndi kukula kwa banja komanso kumene mumakhala (Alaska ndi Hawaii ali ndi FPLs zosiyana).
FPL idagwiritsa ntchito ndalama zokwana madola 11,770 kwa $ 15,930 kwa banja, ndi $ 20,090 kwa banja la atatu. Mukhoza kupeza FPL kwa zaka zina ndi kukula kwa banja pano.
Popeza FPL yonse ndi malire a boma pa ndalama zowonjezera ndalama zimasintha chaka chilichonse, dola ya kuchuluka kwa ndalama yanu idzasintha chaka chilichonse.
Pofuna kupindula ndi chithandizo chomwe chimachepetsa kutuluka kwanu, muyenera kulembetsa ndondomeko ya ndalama pogwiritsa ntchito ndalama. Mukuganiza kuti mumasankha ndondomeko ya siliva, chifukwa cha malipiro a 2016, ngati muli ndi:
- 100-200 peresenti ya FPL,
- Mphotho yanu yopezeka pamtanda sidzapitirira $ 2,250 kwa munthu aliyense.
- Malire anu osatulutsidwa sadzakhala oposa $ 4,500 pa banja.
- 200-250 peresenti ya FPL,
- Mphotho yanu yopezeka pamtunda siidzakhala madola 5,450 kwa munthu aliyense.
- Malire anu osatuluka sangakhale oposa $ 10,900 kwa banja.
Kwa 2017, malire a anthu omwe ali ndi ndalama pakati pa 100 ndi 200 peresenti ya FPL adzawonjezeka pang'ono, mpaka madola 2,350, pamene malire a anthu omwe ali ndi ndalama pakati pa 200 ndi 250 peresenti ya FPL adzawonjezeka mpaka $ 5,700 (m'mabuku onse awiri, malire a banja lonse ndi awiri okha malire).
Kuchepetsa kwakukulu kulipo kwa Amwenye Achimereka Achimereka omwe ali ndi ndalama zoposa 300 peresenti ya FPL. Kwa iwo, inshuwalansi ya umoyo idzachotsa mtengo wonse wophatikizapo mbali iliyonse ya zofunika zathanzi.
Ngati Icho chiri Chithandizo, Kodi Mumapeza Ndalama?
Mphotho yapamwamba yoperekera ndalama siimakupatsani ndalama. M'malo mwake, izo zikhoza kukupulumutsani ndalama kuyambira mutapereka zochepa musanafike pazomwe mumatulutsira.
Ngati mutafika pamtunda wotsika kwambiri ndipo mupitirize kugwiritsa ntchito mautumiki a zaumoyo, kampani yanu ya inshuwalansi idzatha kumalipira chisamaliro chanu kuposa kuti simunalandire chithandizo. Zikatero, boma lidzabwezeretsa kampani yanu inshuwalansi ya ndalama chifukwa cha ndalama zomwe mudagwiritsa ntchito chifukwa cha thandizo lanu.
Ndani Angayenere Mphamvu Yothandizira Inshuwalansi ya Umoyo?
Kuti muyenere kulandira thandizoli:
- Ndalama zanu ziyenera kukhala 100-250 peresenti ya FPL.
- Muyenera kupeza inshuwalansi ya umoyo wanu kudzera mu inshuwalansi ya umoyo wanu.
- Muyenera kusankha ndondomeko ya thanzi ya siliva (mosiyana ndi chithandizo cha premium, chomwe chiwerengedwera pogwiritsa ntchito mapulani a siliva, koma kuti chigwiritsidwe ntchito pazitsulo zonse zazitsulo)
- Ngati mwakwatirana, chiwerengero chanu cha msonkho chiyenera kukhala chokwatirana pamodzi. Chikhalidwe cha okwatirana kutsegula payekha chidzakuletsani inu. (Palipadera ngati simungathe kulembera limodzi chifukwa cha zozunza.)
- Muyenera kukhala ku United States mwalamulo.
- Simungathe kuikidwa m'ndende.
- Simuyenera kulandira chithandizo kuchokera kwa abwana anu omwe amawoneka kuti ndi okwera mtengo ndipo amapereka mtengo wochepa .
Kodi Mumagwiritsa Ntchito Bwanji Ndalamayi?
Simusowa kuchita china chilichonse kuti mupeze ndalama zothandizira ndalama. Ngati muli oyenerera kutero pogwiritsa ntchito ndalama zanu, zidzangowonjezeredwa ndi ndondomeko zasiliva zomwe zimapezeka kwa inu kupyolera mukusinthasintha.
Kuyenerera kwanu kuti mupereke ndalama zothandizira pazinthu zowonjezera ndi kugawana mtengo kwa ndalama zidzawerengedwa ndi kusinthanitsa pamene mutalowa muzomwe mukudziwiratu pawekha. Khalani okonzeka kupereka chithandizo cha inshuwaransi yaumoyo zokhudzana ndi zomwe mumapeza, kukula kwa banja, ndi abwana ngati muli ndi ntchito. Pezani inshuwalansi ya umoyo wanu wa boma.
Kuwonjezera pa zochitika zapadera , mungagule inshuwalansi ya umoyo kupyolera mu inshuwalansi ya umoyo pa nthawi yolembera chaka chonse. Tsegulani kuti mupeze inshuwalansi ya umoyo mu 2017 kuyambira November 1, 2016 mpaka January 31, 2017 (izi zikugwiritsidwa ntchito ku inshuwalansi ya umoyo kuti mumagula nokha, mosiyana ndi chithandizo chomwe mumapeza kuchokera kwa abwana).
Ngati mutapeza ndalama zothandizira ndalama zowonjezera, onetsetsani kuti mudziwitse inshuwalansi yaumoyo wanu ngati ndalama zanu zikusintha chaka. Ngati malipiro anu atachepa, mungakhale oyenerera kukhala ndi ndalama zothandizidwa kuti muchepetse kutsika kwanu.
Momwe Msonkho Woperekera Woperekera Momwemo Umasinthira
The Affordable Care Act pachiyambi adanena kuti malire a kunja kwa mchenga amachepetsedwa
- 2/3 kwa anthu omwe ali ndi ndalama zochokera ku 100-200 peresenti ya FPL.
- 1/2 kwa anthu omwe ali ndi ndalama kuchokera 200-300 peresenti ya FPL.
- 1/3 kwa anthu omwe ali ndi ndalama zochokera ku 300-400 peresenti ya FPL.
Komabe, si momwe zinakhalira kugwira ntchito. Dipatimenti ya Zaumoyo ndi Zaumoyo zaumunthu inatsimikiza kuti sikungatheke kuchotsa chiwongoladzanja chokwanira chomwe anthu ambiri opanga 250 peresenti ya FPL popanda kuphwanya ziwalo zina za lamulo kapena kuwonjezereka kwa deductible kwa ena othandizira thandizo . Kotero, mu ulamuliro womaliza ukuwonetsera momwe ndalamazo zimagwirira ntchito, HHS inasintha ziwerengerozo kuti zichepetse kutaya kwapakati pa:
- 2/3 kwa anthu omwe ali ndi ndalama zochokera ku 100-200 peresenti ya FPL
- 1/5 kwa anthu omwe ali ndi ndalama kuyambira 200-250 peresenti ya FPL
- Palibe kuchepetsa kwa anthu omwe ali ndi ndalama zopitirira 250 peresenti ya FPL.
HHS ikhoza kusintha kusintha kwa ndalama izi chaka chilichonse pamene icho chimasindikiza "Chidziwitso cha Kupindula ndi Kulipira Malire" kwa chaka chomwe chikubwera.
Zotsatira:
Dipatimenti ya Zaumoyo ndi Zaumoyo zaumunthu, Chidziwitso cha Kupindula ndi Kupatsa Malipiro a 2016, Kupezeka pa June 6, 2016.
Dipatimenti ya zaumoyo ndi zithandizo zaumunthu, Chidziwitso cha Kupindula ndi Kulipira Malipiro a 2017. Inapezeka pa June 6, 2016.
Chidziwitso cha Kupindula ndi Kulipira Malipiro a 2014, Dipatimenti ya Zaumoyo ndi Zaumoyo, http://www.gpo.gov/fdsys/pkg/FR-2013-03-11/html/2013-04902.htm. Inapezeka pa September 10, 2013.
Kuwunika Kwambiri ndi Kugawanika Kwazogawidwa M'mabuku Okhudzidwa, Dipatimenti ya Zaumoyo ndi Zaumoyo za Anthu, http://www.cms.gov/CCIIO/Resources/Files/Downloads/Av-csr-bulletin.pdf
Wodwala Woteteza ndi Wodalirika Care Act , gawo 1402 (c). Inapezeka pa September 9, 2013.
Jost, Timoteo, "Kupititsa patsogolo Kusintha kwa Zaumoyo: Zopindulitsa Zopindulitsa ndi Zopereka Zotsatira Zomwe Zilipo" pa HealthAffairs.org, September 9, 2013.