Kuyenerera ndalama zowonjezera ndalama zambiri zimachokera ku ndalama, koma zingakhale zovuta
Malipiro a msonkho woyamba-omwe amadziwikanso monga ndalama zothandizira-ndizo zikuluzikulu za "zotsika mtengo" gawo la Affordable Care Act. Kawirikawiri, amapezeka kwa mabanja otsika komanso omwe amapeza pakati omwe amagula inshuwalansi yawo ya umoyo, ndipo amaonetsetsa kuti ndalama zowonjezera zimakhala zosakwanira.
Koma kwenikweni, ndi zovuta kwambiri kuposa zimenezo.
Mungagwiritse ntchito makina operekera ndalama kapena ndalama zowonjezerapo zopezeka pa Healthcare.gov kapena tsamba lanu la kusinthana ndi boma lanu, koma nthawi zonse pali mafunso okhudza omwe ali oyenerera ndi omwe sali, ndi momwe owerengetsera ndalama zothandizira amachokera ndi zotsatira zawo.
Kuyenerera Kupanda Phindu
Ngakhale kuti ndalama ndizofunika kwambiri pakuzindikiritsa kuyenerera, palinso zinthu zina zomwe zimaganiziridwa. Muyenera kukhala mwalamulo ku US kuti mugule chithunzi kudzera mwachitsulo-chithandizo kapena ayi.
Ndipo kuti muyenere kukhala ndi chithandizo, simungathe kupeza mwayi wothandizira olemba ntchito omwe umapereka mtengo wapatali ndipo umakhala wotsika mtengo. Mu 2016, "zotsika mtengo" zimatanthauzidwa ngati chithunzi chomwe sichiwononga ndalama zoposa 9,6 peresenti ya ndalama zapakhomo (izi zidzawonjezeka pang'ono, kufika pa 9.69 peresenti, mu 2017).
Koma ndizofunika kumvetsetsa kuti kuyesa kumeneku kungagwiritsidwe ntchito pa premium ya antchito.
Ngati chithandizo cha banja chikupezeka kudzera mu ndondomeko yomwe amagwiritsidwa ntchito ndi abwana, malipiro omwe amaperekedwa kwa banja lonse saganiziridwa ngati akudziwa ngati mapulani angapangidwe kapena ayi.
Choncho ngati ndalama za ogwira ntchitoyo ndizochepa zopitirira 9,66 peresenti ya ndalama, ndipo ngati abwana akukonzekera kuti apite kwa banja lonse, banja lonse likhoza kukhala ndi mwayi wodula "inshuwalansi" yothandizira inshuwalansi (choncho palibe aliyense ali oyenerera kulandira malipiro othandizira), ngakhale kuti phindu la banja lonse likhoza kukhala pamwamba pa 9.66 peresenti ya ndalama.
Malo Otsitsira Chithandizo Chachidule Akusiyana ndi State
Pamene ACA inalembedwa, ndondomekoyi inali yodalirika ya Medicaid m'mayiko onse kuti iwonjezedwe kufika pa 138 peresenti ya umphawi kuyambira mu 2014, komanso kuti ndalama zothandizira ndalamazo ziyambe kufika pa chigawo chimenecho ndikuwonjezeka mpaka 400 peresenti ya umphaŵi. Ndipotu, aliyense amene ali ndi ndalama kuchokera ku zero kufika pa 400 peresenti ya umphawi akhoza kupeza chithandizo choyenera cha umoyo.
Koma pamene Khoti Lalikulu linagamula mu 2012 kuti likhoza kuchoka ku Medicaid, linayambitsa mavuto. Panalibe thandizo mu ACA kulengeza thandizo loperekera ndalama zopitirira 100 peresenti ya umphaŵi, ndipo izi ndizochitika (mwinamwake, kunali kwenikweni kulembera kalata komwe kunathandiza kuti chiwerengero chochepa cha ndalama zothandizidwa kuti anthu akhale ochepa-m'malo mwake 138 peresenti ya umphaŵi-m'mayiko omwe pamapeto pake sadaonjezere Medicaid).
Kuyambira mwezi wa Julayi 2016, pali mayiko 19 komwe kukula kwa Medicaid sikukwaniritsidwa. Kuwonjezeka kunayambika ku Louisiana mu June 2016, koma mosiyana, mapu owonetsetsa akuwonabe akufanana ndi momwe adachitira kumapeto kwa 2015.
Wisconsin imapereka chithandizo cha Medicaid kwa aliyense amene ali ndi ndalama zoposa 100 peresenti ya umphaŵi, koma m'ma 18 ena akuti, pali kusiyana kwa anthu akuluakulu omwe ali ndi ndalama zoperewera pa umphaŵi - iwo amatha kukhala ndi Medicaid ngati ali oyenerera malinga ndi momwe alili , kawirikawiri kwambiri, malangizo, ndipo sangayenerere thandizo la premium ngati ndalama zapakhomo zawo zili pansi pa umphaŵi.
M'madera omwe Medicaid sanakwaniridwe , kulandira ndalama zowonjezereka kumayambira pa umphaŵi. Mu 2016, ndi $ 11,880 kwa munthu mmodzi yekha ndi $ 24,300 kwa banja la anayi. Anthu omwe ali pansi pa msinkhu woterewu sakhala ndi mwayi weniweni wopeza chithandizo.
M'mayiko omwe Medicaid yowonjezera , kulandira ndalama zowonjezereka kumayambira ndi ndalama zopitirira 138 peresenti ya umphaŵi. Mu 2016, ndi $ 16,394 kwa munthu mmodzi yekha ndi $ 33,534 kwa banja la anayi. Anthu omwe ali ndi malipiro pansi pa msinkhu uwu akuyenerera Medicaid.
Kodi Ndondomeko Zotani za Umphawi Kodi Mumagwiritsa Ntchito?
Mbali ina ya chiwerengero chomwe chingakhale chosokoneza ndikutanthawuza kuti ndiuni zomwe zikuyenera kuti zigwiritsidwe ntchito pa umphawi.
Chaka chilichonse, boma likuyendetsa ndondomeko ya umphaŵi kumapeto kwa January. Ndikofunika kuzindikira kuti pali magome atatu osiyana: limodzi la DC ndi 48 zomwe zimagwirizana, lina la Alaska, komanso lachitatu ku Hawaii (kotero kuti ku Hawaii ndi ku Alaska kuyenerera ndalama zowonjezera ndalama zowonjezereka kusiyana ndi zomwe zikuchitika m'dziko lonselo , ndi kulandila kwa Medicaid kumapitanso kumalo apamwamba m'mayiko amenewo, monga onse awonjezera Medicaid).
Mwamsanga pamene mfundo zatsopano za umphaŵi zatuluka, zimagwiritsidwa ntchito kwa chaka chonse-ndipo mpaka ndondomeko za chaka chamawa zimasulidwa-kupeza chiyeneretso cha Medicaid ndi CHIP.
Koma kuti tipeze kuyenerera ndalama zowonjezereka, sitimayamba kugwiritsa ntchito malangizo atsopano a umphaŵi kufikira olembetsa otseguka akuyamba kugwa. M'malomwake, timapitiriza kugwiritsa ntchito malangizo oyendera umphawi omwe analipo pamene olembetsa olembera kwa chaka chino adayamba. Mwachitsanzo, malingaliro omwe ali ndi masiku 2016 ogwira ntchito adayamba kupezeka pamene akulembetsa olembapo pa November 1, 2015. Pa nthawiyi, malangizo omwe alipo pakali pano a umphawi anali a 2015. Kotero iwo akupitiriza kugwiritsidwa ntchito kupeza chithandizo chachithandizo pa zolinga zonse ndi Zaka 2016 zothandiza.
Izi zikutanthauza ngati mukulembera ndondomekoyi ndi tsiku lothandizira la 2016 chifukwa cha choyenera , chithandizo chanu chachithandizo chidzadalira momwe ndalama zanu zikufananirana ndi malangizo a msinkhu wa 2015 (mwachitsanzo, thandizo silidzapezeka banja la anthu atatu ngati ndalama zawo zoposa $ 80,360, zomwe ndi 400 peresenti ya umphaŵi wa 2015).
Chiwerengero cha olembetsa chikayamba kumapeto kwa 2016 kuti zikonzekerere zitheke mu 2017 , kusinthana kudzasinthira ku ndondomeko ya msinkhu wa umphawi 2016 yomwe idatulutsidwa kumapeto kwa mwezi wa 2016. Koma mu November, olembetsa adakalipobe ndi tsiku la December 2016 lothandizira anthu amene akulembera chifukwa choyenerera. Kwa iwo, nambala za umphaŵi za 2015 zidzagwiritsabe ntchito.
Zowonjezera Zowonjezera Zowonjezera Zimadalira Momwe Mulili Mapulani Anu
Zothandizira pazinthu zoyamba zapadera zimakhala zovomerezeka kwa olembetsa omwe amapeza ndalama zopitirira 400 peresenti ya umphaŵi. Koma izi sizikutanthauza kuti olembetsa onse omwe amalandira malipirowo mpaka kufika pa chigawo chimenecho akuyenerera kulandira thandizo la premium.
Izi ndizo chifukwa ndalama zothandizira ndalama zapadera zimapangidwira ndalama zowonjezera ndalama zowonjezera pansi kapena pansi pa chiwerengero choyambirira cha ndalama za munthu aliyense wopemphayo (chiwerengerocho chimasiyana malinga ndi zomwe mumapeza), poganiza kuti ndalama zawo siziposa 400 peresenti za umphaŵi.
Koma ngati chitsimikizo chosavomerezeka cha ndalama yachiwiri yamtengo wapatali kwambiri ya Silver yomwe ilipo kwa inu chiri chochepa kuposa chiwerengero choyambirira cha ndalama zanu, palibe chithandizo chofunikira. Izi zikuchitika makamaka ngati anthu amakhala m'madera omwe ali ndi inshuwalansi ya mtengo wapatali, komanso omwe akufunsira achinyamata. Kotero si zachilendo kuti achinyamata adziwe kuti sakuyenerera ndalama zothandizira ndalama zapayimayi ngakhale kuti ali ndi malipiro omwe ali oposa 400 peresenti ya umphaŵi.
Zothandizira Zonse Ziyenera Kuyanjanitsidwa Pamene Mukubwezera Misonkho Yanu
Zothandizira zapadera zimadziwikanso kuti ziwongoladzanja za msonkho wapamwamba (APTC). Ndichifukwa chakuti ndalama zothandizidwa ndi ngongole, ndipo ngati zikulipidwa kwa wothandizira inshuwalansi wanu mwezi uliwonse kuti muchepetse ndalama zomwe mumayenera kulipiritsa pamalipiramu, akulipidwa pasadakhale, osati nthawi yolemba msonkho.
Kawirikawiri malipiro a msonkho sangathe kudandaula mpaka mutapereka misonkho kumapeto kwa chaka, koma izi sizingagwire ntchito pakadali pano chifukwa anthu ambiri angapeze malipiro awo osayenerera popanda APTC.
Ngati APTC imalipidwa chifukwa cha inu pachaka, i-ndipo IRS- idzalandira Fomu 1095-A kuchokera ku kusinthanitsa mu Januwale. Mudzagwiritsira ntchito chidziwitso pa fomuyi kuti muyanjanitse APTC yanu ndi ngongole ya msonkho yomwe mwakhala nayo, mutatha kukwaniritsa ndalama zanu pachaka.
Zotsatira:
Dipatimenti ya Zaumoyo ndi Zolinga zaumunthu, Ofesi ya Wothandizira Wotsogolera Kukonzekera ndi Kuunika, Malangizo a Umphawi monga 1/25/2016.
Dipatimenti ya Zipatala za M'boma , Njira Yowonongeka Kwawo 2014-62 .
Dipatimenti ya Zipatala za M'boma , Njira Yowonongeka Kunja 2016-24 .