Inshuwalansi yothandizira ntchito ya Job yasintha pansi pa Obamacare
Chifukwa chakuti zambiri zomwe zilipo mtengo wa Care Act zimagwiritsidwa ntchito pa msika uliwonse, msika wa inshuwalansi womwe umathandizidwa ndi abwana nthawi zina umachoka pa zokambiranazo. Koma inshuwalansi yothandizira olemba ntchito ndi ntchito yofala kwambiri ku US. Anthu a ku America okwana 6 peresenti anali ndi malonda omwe adagulidwa pamsika pawokha mu 2014, mosiyana ndi 49% omwe anali ndi chithandizo kuchokera kwa abwana.
Msika wa inshuwalansi wathanzi ndi wosiyana kwambiri lero kusiyana ndi umene unalipo asanayambe kugwira ntchito yothandizira (aka, Obamacare). Ndipo ngakhale kusintha sikukunenedwe kwa msika wa inshuwaransi wothandizira (makamaka magulu a magulu akuluakulu), pali mbali zambiri za ACA zomwe zikugwiritsidwa ntchito pazinthu zaumoyo zomwe anthu amapeza kudzera mwa abwana awo.
Olemba ntchito amafunika kupereka chithunzi
Pambuyo pa 2014, panalibe lamulo kuti abwana amapereka inshuwalansi ya umoyo kwa antchito awo. Ambiri mwa ogwira ntchito akuluakulu amapereka chithandizo, koma icho chinali chosankha chawo. Wogwira ntchito a ACA anagawana udindo (wogwira ntchito udindo) amafuna abwana ndi antchito 50 ogwira ntchito nthawi zonse kuti azipereka inshuwalansi yapamwamba kwa antchito awo omwe amagwira ntchito maola 30 pa sabata.
Chofunika chinali choti chigwire ntchito kwa olemba ntchito onse kuyambira 2014 koma anachedwa mpaka 2015 kwa olemba ntchito ogwira ntchito 100 kapena kuposa, mpaka 2016 kwa olemba ntchito omwe ali ndi antchito 50 mpaka 99.
Udindo wa abwana umatanthauza kuti olemba ntchito ayenera kupereka chithandizo chomwe chimakwaniritsa mtengo wapatali ndipo chimawerengedwa kuti n'chokwanira kwa wogwira ntchitoyo. Komabe, " kubwezeretsa banja " kumatanthauza kuti nthawi zina, kufalitsa sikungakwanitse kwa ogwira ntchito ogwira ntchito.
Zolinga zonse ziyenera kutulutsa ndalama zowonongeka
Mu 2016, ndondomeko zonse zaumoyo zomwe sizinapitirirepo anayenera kubweza ndalama zokwana madola 6,850 kwa munthu aliyense, ndi $ 13,700 kwa banja.
Ndipo ndondomeko za banja ziyenera kukhala ndi maulamuliro omwe sali oposa $ 6,850 . Ndondomeko yochepetsera ndalama zogwiritsira ntchito ndalama zimagwiritsidwa ntchito pazinthu zamagulu komanso ndondomeko yaumwini, malinga ngati iwo sanabwerere (zolinga zomwe zinali kale pomwe ACA inasindikizidwa kukhala lamulo pa March 23, 2010).
Palibe malire a dola pazofunikira za thanzi labwino
ACA imatanthawuza "zofunikira zaumoyo khumi" zomwe ziyenera kuwonetsedwa ndi magulu atsopano ndi magulu ang'onoang'ono (m'mayiko ambiri, gulu laling'ono limafotokozedwa ngati antchito 50). Ngati mumagwira ntchito kwa abwana omwe mulibe antchito oposa 50 ndipo abwana anu analembera ndondomeko kuyambira mu Januwale 2014, dongosolo lanu la thanzi limapindulitsa phindu la zaumoyo popanda malipiro a madola kuti mapulaniwo angapindule bwanji pa chaka chimodzi kapena kuposa nthawi yonse yomwe muli ndi chithunzi.
Ngati mumagwira ntchito kwa wogwira ntchito yaikulu (m'mayiko ambiri, ogwira ntchito oposa 50; koma m'maiko ena, antchito oposa 100), ndondomeko yanu ya thanzi silingabweretse phindu lonse la thanzi, chifukwa silofunikira kuchita ACA. Koma chifukwa cha thanzi labwino lomwe limapindula ndi ndondomekoyi, sizingapangitse malipiro a pachaka kapena ndalama zapakati pa moyo wake kuti ndalamazo zilipindule bwanji. akuyenera kupereka mtengo wochepa).
Kuletsedwa kwa moyo nthawi zonse kumapindulitsa miyeso yothandiza pa thanzi labwino kumagwiranso ntchito ngakhale pokhala ndi mapulani. Ndipo kuletsedwa kwapakati pa phindu la pachaka kwa phindu la thanzi labwino likugwiritsidwa ntchito kwa abambo ambiri omwe amathandizidwa ndi abwana.
Palibe kulembedwa kwachipatala pa mapulani a kagulu kakang'ono
Pakafika chaka cha 2014, mabungwe a inshuwalansi akhoza kukhazikitsa ndalama zazing'ono pa gulu lonse lachipatala ngakhale kuti ena amaletsa kapena ayi. Kuchokera mu 2014, ACA yaletsa olemba inshuwalansi zaumoyo pogwiritsa ntchito mbiri yachipatala kuti apeze ndalama zoyenera. M'mayiko ambiri, izi zikugwiritsidwa ntchito kwa olemba ntchito omwe ali ndi antchito 50 kapena ochepa.
Zolinga zonse zikuphatikizapo kulandira amayi
Kuchokera m'chaka cha 1978, ntchito zothandizira ogwira ntchito ku US zakhala zikufunika kuikapo chithandizo cha amayi ngati abwana ali ndi antchito 15 kapena kuposa ndipo adasankha kupereka inshuwalansi. Ndipo mzaka 19, malamulo adakhazikitsidwa chisanayambe ACA idafunikanso kulandira chithandizo cha amayi pazinthu zing'onozing'ono za gulu ngakhale pamene abwana anali ndi antchito osachepera 15.
Koma chisamaliro chakumayi ndi chimodzi mwa zofunikira zaumoyo zoyenera za ACA, zomwe zikutanthauza kuti zakhala zikuphatikizidwa pazinthu zonse zatsopano zomwe zimagulitsidwa kuyambira 2014. Zomwe zinadzaza mipata m'madera omwe gulu laling'ono limakonza (osachepera 15 ogwira ntchito) ayenera kubisa chisamaliro cha amayi asanakwane chaka cha 2014. Palibe udindo wa abwana omwe ali ndi antchito oposa 50. Koma ngati magulu ang'onoang'ono asankha kupereka chithandizo kwa antchito awo, ndondomekoyi idzaphatikizapo chisamaliro chakumayi kudziko lililonse.
Nthawi zodikira sizingapitilire masiku 90
Nthawi ina wogwira ntchitoyo atatsimikiziridwa kuti angathe kulandira chithandizo pamsonkhanowu, nthawi yodikira kuti ayambe kuyambira ingathe kupitirira masiku 90 (malamulo ena amagwiritsidwa ntchito pamene ogwira ntchito amafunika kugwira ntchito maola angapo kapena kulandira ntchito zina kuonetsetsa kuti mukuyenera kulandira chithandizo).
Ana akhoza kukhalabe pazinthu za makolo mpaka zaka 26
Kuchokera mu 2010, ndondomeko zonse zaumoyo zakhala zikufunikira kuti ana apitirizebe kukwaniritsa zolinga za makolo mpaka atakwanitse zaka 26. Izi zikugwiritsidwa ntchito ndi mapulani omwe amagwiritsidwa ntchito ndi ogwira ntchito, komanso zimakhudzanso zolinga zambiri. Palibe chofunikira kuti achinyamata achichepere akhale ophunzira kapena kuti azidalira ndalama zawo kwa makolo awo kuti akhalebe pa inshuwalansi yawo ya inshuwalansi.
Kusamalidwa bwino kumaperekedwa kwaulere
Chisamaliro chodziletsa ndi chimodzi mwa zinthu zofunika kwambiri za thanzi zomwe zimagwiritsidwa ntchito pazinthu za gulu limodzi ndi zazing'ono zomwe zili pansi pa ACA. Koma amafunikanso kuti aphimbidwe pazinthu zazikulu za magulu komanso mapulani omwe amagwiritsidwa ntchito ndi munthu wina yemwe ali ndi ndondomeko yothandizira. Pali mndandanda wambiri wa mautumiki omwe salipira kwa wodwalayo pansi pa udindo wa chithandizo chodziletsa wa ACA.