Kusintha inshuwalansi ya umoyo wa mnzanuyo kapena ndondomeko ya thanzi lanu kungakupulumutseni ndalama.
Ngati inu ndi mnzanuyo kapena wokondedwa wanu muli oyenerera kuntchito zothandiza zaumoyo, onani chithandizo cha inshuwalansi ya kampani yanu panthawi yolembera kuti muone zomwe zingakuchititseni kuchepa. Olemba ntchito amasiyanasiyana kwambiri ponena za zopereka zomwe amapanga pa malipiro onse, ndipo mumatha kusunga ndalama mwa kusintha banja lanu.
Pa nthawi yowunikira kwa kampani yanu, yang'anani zosankha zosiyanasiyana zomwe abwana anu amapereka. Mutha kusunga ndalama mwa kusankha njira yosiyana, monga HMO yomwe ikufuna kuti musankhe dokotala wamkulu kuti asamalire chisamaliro chanu. M'madera ena a dzikoli, madokotala am'deralo angakhale nawo pazinthu zonse zamagulu a zaumoyo ndipo simuyenera kusamala za kusintha madokotala .
Pindulani ndi Kulembetsa Otsegula
Makampani ambiri akuluakulu amapereka njira zosiyanasiyana zathanzi. Panthawi yolembera ya kampani yanu, mungasinthe malingaliro anu kuchokera ku dongosolo lina la zaumoyo kupita ku dongosolo lina (mbiri yanu yachipatala sichikuthandizani kuti muyambe kusintha zolinga). Malingana ndi zosankha zomwe abwana anu amapereka, mukhoza kusankha zina, monga kuwonjezeka kapena kuchepetsa kuchuluka kwa ndalama zanu pachaka. Inunso mungathe kulemba kuti mutha kulandira chithandizo chamankhwala ngati simunalembetse kapena kulepheretsani kufalitsa kwanu.
Makampani ambiri amakhala ndi nthawi yolembera (nthawi zambiri yokhazikika mwezi umodzi) mu kugwa kwa chaka chilichonse kuti alole kusintha pazothandiza zaumoyo pa Januwale 1 chaka chotsatira. Makampani ena ali ndi nthawi yolembera nthawi zina ndipo mukhoza kuyembekezera kulandira chitsimikizo chokwanira.
Kamodzi kampani yanu itatha kutsegulira ndipo mutapanga chisankho cha chaka chomwe chikubwera, chithandizo cha umoyo wanu chatsekedwa mpaka chaka chotsatira chaka cholembetsa. Pokhapokha mutakhala ndi zofunikira zina, simungathe kusintha chithandizo cha umoyo wanu chaka chonse.
Ngati mukuganizira kusintha kwa inshuwalansi ya wodwalayo kapena mosiyana, onetsetsani kuti nthawi yolembera kwa olemba ntchito onsewa ikupezeka. Mutha kusintha kuchokera pa dongosolo limodzi pamene mukulembetsa, ndipo mulembetsedwe mu dongosolo linalake lolembera, koma mutha kukhala ndi mpata wopeza ngati abwana awiri alibe nthawi yolembetsa nthawi yomweyo .
Olemba ntchito ambiri amathamangitsidwa pa kugwa, ndikukhala ndi kusintha kotheka pa January 1. Koma n'kofunika kumvetsetsa kuti ngati wogwira ntchito wina ali ndi chiwerengero chotsatira pakati pa chaka (ndi chaka chatsopano choyamba pa 1 August, chitsanzo), ndi ina imakhala yolembetsa poyera kugwa ndi chaka chotsatira chomwe chikutsatira chaka cha kalendala, ukhoza kukhala wosatsimikiziridwa kwa miyezi ingapo panthawi ya kusintha. Ngati muli ndi thanzi labwino, mukhoza kulemba ndondomeko yaifupi kuti mutseke pakapita nthawi, koma ngati kusiyana kuli miyezi itatu kapena yotalikira, mukanakhala pa chikole cha chilango cha ACA .
Zochitika Zoyenerera
Chochitika choyenerera chimakupatsani mwayi wosintha inshuwalansi ya ntchito yanu nthawi iliyonse pachaka. Chimene chikuyenerera ngati "chochitika" chimatsimikiziridwa ndi malamulo a federal ndipo akuphatikizapo:
- Ukwati
- Kubadwa kapena kukhazikitsidwa kwa mwana
- Kusudzulana kapena kulekana kwalamulo
- Imfa ya mnzanuyo kapena mmodzi wa anthu ogonjera
- Kutayika kopanda malire
Panthawi yolembera yapadera yochitidwa ndi choyenerera, mukhoza kulowetsa inshuwalansi ya mnzanu kapena mosiyana. Komabe, zindikirani kuti zochitika zomwe zafotokozedwa pamwambapa (pamene abambo a abambo ali ndi nthawi yolembera nthawi yocheperapo ndipo akukonzekera nthawi yoyambira chaka) sizimayambitsa nthawi yapadera yolembetsa.
Ngati mumasiya nthawi yanu yolembera, ndipo mzanuyo ali ndi nthawi yolembera, kutayika kwanu sikukuwoneka ngati choyenera, popeza kuti mwadzidzidzi-mwadzidzidzi-mwadzidzidzi-kutayika kwa kufalitsa.
Kuonjezerapo, ngati muli ndi ndondomeko yosamalidwa yosamalira (monga PPO kapena HMO) ndikugwiritsira ntchito makina othandizira , mukhoza kusintha ndondomeko zaumoyo ngati mutasamukira kumudzi wina ndipo simunayambe kutumikira kumtunda wanu wakale ndondomeko.
Kusankha Njira Yopangira Ntchito Yopangira Ntchito Idzapindulitsa Kwambiri
Ngakhale kuti zingatengereni nthawi, yesetsani nambalayi kuti muwone ngati n'zomveka kuti mamembala onse a m'banja mwanu akhalebe ndi dongosolo limodzi la thanzi. Mungathe kusunga ndalama mwa kukhala ndi chithandizo chosiyana chaumoyo kwa anthu ena a m'banja. Mwachitsanzo:
Don ndi Barbara
Don S., wa zaka 46, ndi mkazi wake Barbara S., ali ndi zaka 44, onse ali ndi mwayi wothandizira inshuwalansi kudzera mwa abwana awo. Ali ndi chithunzi cha banja kudzera mwa Don, chomwe chimaphatikizapo kufotokozera ana awo awiri, zaka khumi ndi zisanu ndi ziwiri. Don ndi oposa kwambiri ndipo ali ndi mtundu wa shuga 2, cholesterol chokwanira, ndi kuthamanga kwa magazi; amagwiritsira ntchito ntchito zambiri zaumoyo. Barbara ndi ana ali ndi thanzi labwino ndipo adangokhala ndi zochitika zakale m'mbuyomo.
Chifukwa cha matenda a Don, ali ndi ndondomeko yochepetsetsa ya thanzi la banja yomwe ili ndi malipiro apamwamba kwambiri. Banja likhoza kusunga ndalama mwa kupereka Don kuti apange ndondomeko yotsika mtengo kupyolera mwa abwana ake ndipo abambo Barbara asankhe yekha njira yowonetsera banja lake kwa iye yekha ndi ana kudzera mwa abwana ake.
Koma izi sizidzakhala nthawi zonse zosankha zabwino, chifukwa zimadalira kwambiri kuchuluka kwa ndalama zomwe abwana akufuna kuchita. Malingana ndi kafukufuku wa Kaiser Family Foundation, anthu ambiri ogwira ntchito omwe amapereka chithandizo chamankhwala amapereka ndalama zokwana 70 peresenti ya ndalama zapakhomo. Koma olemba ena amangopereka ndalama zowonjezera kwa antchito awo, osati a mamembala omwe akuwonjezeredwa ku dongosolo. Choncho kuti mudziwe ngati banja lanu liyenera kukonzedwa pulogalamu imodzi kapena kugwiritsira ntchito zonsezi, muyenera kudziwa momwe mungayankhire ndalama zanu pazigawo zonse.
Maria ndi Jorge
Maria G., wa zaka 32, ndi mwamuna wake Jorge G., ali ndi zaka 33, onsewa amagwira ntchito nthawi zonse ndipo aliyense ali ndi inshuwalansi ya umoyo woperekedwa ndi abwana awo. Makampani onsewa ali ndi nthawi yolembera kuyambira pakati pa mwezi wa October mpaka pakati pa mwezi wa November.
Mwezi wa September, Maria anabala mwana wamwamuna, choyenera kuti awonjezere mwanayo, Jorge, Jr. ku umodzi wa inshuwalansi yawo ya umoyo. Komabe, kuonjezera wodalirika ku mapulani onse amasintha inshuwalansi kuchokera kwa wogwira ntchito-kungoyambira kufotokozera banja kapena kugwira ntchito pamodzi ndi ana (malinga ndi momwe akugwiritsire ntchito ntchito ndi abwana), zomwe zimapereka malipiro a mwezi uliwonse.
Polimbana ndi kuwonjezeka kwa ndalama zoposa $ 250 mwezi uliwonse kuchokera kwa abwana, banjali linayang'ana zomwe angasankhe. Chosankha chimodzi ndicho kuyembekezera mpaka kulembetsa ndikuyika anthu onse m'banja mwa dongosolo limodzi la thanzi kuchokera kwa abwana. Izi zingawathandize kupeza ndalama zambiri, makamaka ngati abwana a Maria amamuvutitsa kale mpaka kufika pa "family" premium ndi Kuwonjezera kwa Jorge, Jr. Ngati ndi choncho, kuwonjezera kuti Jorge, Sr. Kuwonjezeka, komabe, ngati Maria ayamba kukhala pa antchito-kuphatikizapo ana, popeza adawonjezera Jorge, Sr.
Njira ina ndi kugula malonda pamsika wa mwanayo. Malingana ndi kuchuluka kwa olemba ntchito kuti aziwonjezera anthu odalira, zingathe kukhala zosagula kugula lamulo losiyana kwa mwanayo. Izi sizingakhale choncho ngati banja liri ndi mwana woposa mmodzi, komabe, chifukwa mapulani aakulu omwe amagwiritsidwa ntchito ndi abwana amalipira mtengo womwewo kwa mwana mmodzi kapena ana angapo, pomwe mapulani a malonda amodzi adzamalipira malipiro osiyana a mwana aliyense banja, mpaka atatu (osaposa atatu mu banja limodzi lochepera zaka 21, palibe pulogalamu yowonjezera pamsika).
Kumvetsetsa Glitch ya Banja
Ngati mukulingalira za malonda a munthu mmodzi kapena angapo, kuphatikizapo kufotokozera kwa abwana kwa mmodzi kapena anthu ena apabanja, zindikirani kuti mapulogalamu ogwirizana ndi abwana adzakhudza anthu ena omwe ali oyenerera malipiro apamwamba pamsika.
Kwa anthu ogula malonda awo pamsika, ndalama zothandizira ndalama zowonjezera zilipo mu mgwirizano wa ACA mu boma lililonse, malingana ndi ndalama. Koma ngakhale phindu lanu la banja limakupangitsani kuti mulandire chithandizo, ndondomeko yanu yovomerezedwa ndi abwana imathandizanso. Ngati phindu lochepa la ogwira ntchito likupezeka kwa banja lanu komanso mtengo wofunika kubwereza wogwira ntchitoyo akuwoneka kuti ndi okwera mtengo (osapitirira 9.56 peresenti ya ndalama zonse za pakhomo mu 2018), mamembala ena onse omwe ali oyenerera kuwonjezeredwa ku Ndondomeko yokonzedwa ndi ogwira ntchito (mosasamala za kuchuluka kwa ndalama zomwe angapereke pa malipiro kuwonjezera pa ndondomekoyi) sali oyenerera kulandira thandizo la premium mukusinthanitsa. Izi zimatchedwa kuti glitch , ndipo ndizofunika kukumbukira pamene muli ndi nambala kuti muwone ngati mamembala ena angakhale bwino ndi kulumikiza malonda pamodzi mmalo mwa chithandizo cholimbikitsidwa ndi abwana.
Surcharges for Wokwatirana
Pansi pa Ntchito Yodalirika Yopereka Ntchito, olemba ntchito akuluakulu amafunika kupereka chithandizo kwa antchito awo a nthawi zonse ndi ogwira ntchito awo. Koma iwo safunikila kupereka chithunzi kwa okwatirana a antchito. Olemba ntchito ambiri apitirizabe kupereka chithandizo kwa okwatirana a ogwira ntchito, koma ena azindikira kuti okwatirana saloledwa kulembetsa kuti ali ndi chithandizo chopezeka mwa olemba awo okha, ndipo makampani ena tsopano akuwonjezera malipiro ngati abwenzi awo akufuna kuwonjezeredwa kwa okwatirana awo 'akukonzekera pamene ali ndi mwayi wosayina ndi mapulani awo.
Kuti apitirize kulimbikitsa nkhani, abwana 10 peresenti omwe amapereka inshuwalansi zaumoyo amapereka malipiro oonjezera kwa antchito awo ngati akutsutsa ndondomeko yomwe amagwiritsidwa ntchito ndi abambo awo m'malo mwake amasankha kulembetsa ndondomeko ya abambo awo. Choncho olemba ena akuchitapo kanthu kuti athe kuchepetsa chiwerengero cha okwatirana omwe amalembetsa zolinga zawo, pamene olemba ena akugwira ntchito kuti akalimbikitse antchito awo kuti alembe zolembera za abambo awo osati momwe amachitira ndi abwana awo.
Mwachitsanzo, taganizirani za Bob ndi Sue, omwe ali okwatirana ndipo aliyense ali ndi chithandizo chogwiritsidwa ntchito ndi abwana ake. Olemba ntchito onsewa amagwiritsanso ntchito madipatimenti okwatirana pamene mwamuna kapena mkazi wake ali ndi bwana wake omwe amathandizidwa ndi inshuwalansi. Ngati Bob asankha kuti agwirizane ndi Sue pa ndondomeko ya thanzi la abwana ake, bwana wake adzawonjezera pa chikwama chake-kuphatikizapo choyambirira-chifukwa Bob akhoza kusankha kukhala pa ntchito ya mwini wake.
Zingakhale zophweka kwambiri kuwonjezera mzanu kwa dongosolo la abwana anu mukamagwiritsa ntchito zosiyana siyana, koma mukufuna kudziwa ngati abwana anu ali ndi chikwati chokwatirana ndi mwamuna kapena mkazi wawo omwe amatsutsa ndondomeko yawo ndi kulembetsa ndondomeko ya mkaziyo m'malo mwake.
Kuganizira Kwambiri Ngati Muli ndi HDHP
Ngati inu kapena mnzanuyo muli ndi mwayi wopanga ntchito ya HSA yokwanira (HDHP) kuntchito, muyenera kudziwa za mamembala a kukhala ndi membala mmodzi pa banja potsata limodzi.
Ngati mmodzi m'banja mwawo ali ndi kachilombo ka HDHP, ndalama zomwe mungapereke kwa HSA ndi zochepa kuposa momwe zingakhalire ngati awiri kapena angapo a m'banja ali ndi chithunzi pansi pa HDHP. Koma mbali ina, deductible pa HDHP imakhala kawiri pamwamba ngati muli ndi chithunzi cha banja (motsutsana ndi chithunzi cha munthu mmodzi yekha), ndipo banja lonse likuchotsedweratu kuti aliyense asamaloledwe kulandira phindu (ndi pakhomo lomwe palibe munthu wina aliyense wa m'banja amene angafunikire kuti atenge ndalama zowonjezereka kwa chaka choposa malire omwe amatha kukhazikitsidwa ndi boma la chaka chimenecho, chifukwa cha 2018, ndi $ 7,350).
Choncho ngati muli ndi HIV / HP komanso kupereka ndalama kwa HSA, muyenera kukumbukira mfundozi ngati mukufuna kuti banja lonse likhale pa dongosolo limodzi, kapena pazinthu zosiyana.
> Zotsatira:
> School of Law Cornell, Institute Information Information. 29 CFR 2590.701-6 - Nthawi yolembera yapadera.
> Mapulogalamu a Pakhomo la mkati. Ndondomeko ya Ndalama 2017-36 .
> Kaiser Family Foundation. Mapindu a Zaumoyo Ogwira Ntchito 2016 Chidule cha Zosintha. September
> Kaiser Family Foundation. Mapindu a Zaumoyo Ogwira Ntchito 2017 Chidule cha Zomwe Zapeza. September 2017.
> Society of Human Resource Management. 2017 malingana ndi malire a HSA Ophatikiza 2012. May 2017.