Ngati mwaphonya kulembetsa kolembetsa pazomwe mungakwanitse kusamalira inshuwalansi zaumoyo , muli ndi zinthu zingapo zomwe mungachite.
Choyamba, muyenera kupeza inshuwaransi yachinyama njira ina kapena kukonzekera kuti musadalitsike kufikira mwayi wotsatira. Kenaka, mungakumane ndi chilango cha msonkho kwa miyezi yomwe munalibe inshuwalansi ya thanzi. Mukhoza kupanga bajeti ya izi kapena yesetsani kupeza ufulu kuti musalandire chilango.
Kodi Mungatani Kuti Mupeze Inshuwalansi ya Umoyo Ngati Mukusowa Kulembera Kwa Obamacare?
Ngati mwaphonya kulembetsa ku sukulu ya inshuwalansi yaumwini, mulibe zina zambiri, koma muli ndi zochepa. Nazi zina mwa njira zanu zopezera inshuwalansi ya thanzi.
Chikhalidwe chanu chikhoza kuwonjezera kulembetsa: Pali mayiko khumi omwe amachititsa kuti anthu azikhala nawo pafupipafupi polemba mavoti a 2018 kupatulapo nthawi ya December 15, 2017 yomwe boma limagwiritsa ntchito. Asanu ndi awiri a iwo akulolabe kulembetsa anthu kuyambira mu January 2018, mpaka nthawi zotsatirazi:
- Colorado: January 12
- Minnesota: January 14
- Washington: January 15
- Massachusetts: January 23
- DC: January 31
- California: January 31
- New York: January 31
Nthaŵi yolembera yapadera: Ngati muli ndi chiyeneretso , mungakhale oyenerera nthawi yolembetsa pa inshuwalansi ya umoyo wanu. Nthawi zolembera zapadera zimayambitsidwa ndi zochitika za moyo zomwe zimasintha kukula kwa banja lanu kapena malo anu, kapena kukupangitsani inshuwalansi yathanzi.
Mwachitsanzo, mungakhale ndi zochitika zoyenera kukwatira mukakwatirana kapena mukakhala ndi mwana. Ngati inu kapena mwamuna kapena mkazi wanu mutaya ntchito yomwe inapereka inshuwalansi ya umoyo wanu, kutayika kwanu kufikako kudzakhala koyenera. Ngati simukuyeneranso kulandira malipiro a Medicaid chifukwa ndalama zanu zimakwera, kutaya chithandizo chanu cha Medicaid chidzakhala choyenera.
Ndipo ngati 2017 inshuwalansi ya inshuwalansi yanu sichiyenera kukhala yatsopano chifukwa wanu inshuwalansi anasiya msika m'dera lanu, mwakhala mpaka March 1, 2018 kukasankha ndondomeko yatsopano, kugwiritsa ntchito nthawi yolembera yapadera yomwe imayamba chifukwa cha kusowa kwa kufalitsa (pali ena Kupatulapo izi, maiko ena omwe adayendera mapepala omwe adalemba mapepala awa kuti asapereke nthawi yolembetsa)
Pano pali mndandanda wa zochitika zonse zofunikira pamsika wa inshuwalansi . Ambiri a iwo amagwiritsira ntchito palimodzi ndi kusinthanitsa , ngakhale angapo amangogwiritsira ntchito potsutsana.
HealthCare.gov ndi maubwenzi ambiri a boma akhala akutsimikiziridwa kuti ndi oyenerera kuti adziwe nthawi yolembera, choncho konzekerani kupereka umboni wa zomwe mukuyenera kuchita. Ndipo ngakhale kuti kusamukira kwamuyaya kumalo atsopano (komwe kuli zosiyana zaumoyo zowonjezera) ndizofunikira, zimangochititsa nthawi yolembera yapadera ngati mutakhala kale ndi chithunzi musanatuluke. Kusintha kwa lamuloli kunayamba kugwira ntchito mu 2016, ndipo kumaletsa anthu osatonthozedwa kuti asamukire ku malo atsopano kuti athe kupeza inshuwalansi ya umoyo .
Kusintha kwa malamulo owonjezereka kunayambitsidwa mu 2017, kuphatikizapo chofunika kuti mwamuna kapena mkazi mmodzi mwa okwatirana asanakwatirane ayenera kukhala inshuransi pasanakwatirane (ndi zochepa zochepa) kuti awiriwa akhale oyenerera nthawi yolembetsa.
Kuonjezera apo, malamulo atsopano amachititsa kuti zikhale zovuta kusintha ku dongosolo lina lazitsulo panthawi yolembera yapadera
Medicaid: Ngati muli woyenerera, mukhoza kulembetsa Medicaid kapena kulembetsa ana anu mu Dipatimenti ya Inshuwalansi ya Ana pa nthawi iliyonse. Simukuyenera kudikira kuti mutsegule pa inshuwalansi ya umoyo wanu. Kuti mukhale oyenerera Medicaid muyenera kupeza malangizowo ochepa omwe mumapeza. Maiko ena amafuna kuti mukwaniritse zofunikira zina kuphatikizapo kukhala ndi ndalama zochepa. Ana anu akhoza kulandira CHIP ngakhale simukuyenera Medicaid.
Ngati muli ku Minnesota kapena ku New York ndipo ndalama zanu siziposa 200 peresenti ya mgwirizano wa umphawi, mungathe kulemba mu Basic Health Program; Kulembetsa muzokambiranazi kumapitirira chaka chonse.
Ngati muli ku Massachusetts, ndalama zanu siziposa 300 peresenti ya umphawi wa federal, ndinu oyenera kulumikizidwa kwa ConnectorCare. Kulembetsa kumapezeka chaka chonse, ngati mwangoyamba kulowa ConnectorCare kapena simunalembetse zakale .
Mukhoza kugwiritsa ntchito Medicaid, phunzirani za zofunikira, ndikuphunzirani za malangizo ochepa omwe mumapeza pakhomo lanu mwa kulankhulana ndi inshuwalansi ya umoyo wanu. Kapena, ngati mukufuna kulumikiza ndondomeko ya Medicaid yanu, mukhoza kuyang'ana pazomwe mukukumana nazo pakhomo lanu pa webusaiti ya National Association of Medicaid Directors.
Ku Minnesota, Basic Health Program amatchedwa MinnesotaCare.
Ku New York, Basic Health Program amatchedwa The Essential Plan.
Ku Massachusetts, ConnectorCare imapezeka kwa anthu omwe ali ndi ndalama zopitirira 300 peresenti ya umphaŵi.
Inshuwalansi ya umoyo wa Job: Ngati mwaphonya obamacare olembetsa, mutha kulandira inshuwalansi yapamwamba pa ntchito mukapeza ntchito ndi inshuwalansi. Ngakhale kuti kawirikawiri nthawi yayitali yodikirira asanalandire chithandizo cha inshuwalansi, ACA imayimitsa miyezi itatu.
Inshuwalansi ya Nthawi yayitali : Ngati pulogalamu ya inshuwalansi yochepa m'derali ilipo, mukhoza kulemba nthawi iliyonse. Komabe, ndondomeko zam'nthawi yaying'ono sizimapereka ogulitsa onse omwe ali ndi malamulo ambiri. Mwachitsanzo, zikhalidwe zanu zomwe zakhalapo kale sizidzatchulidwa kufotokozedwa ndipo ndondomekoyi idzakhala ndi malire apamwamba (izi siziloledwanso pansi pa ACA, koma inshuwalansi ya nthawi yayitali siidayendetsedwa ndi ACA ). Chifukwa cha zofooka izi, ndondomeko yaifupi idzalephera kukwaniritsa udindo wa ACA kukhala ndi inshuwalansi ya thanzi. Mudzasowa kulipiritsa chilango chosavomerezedwa, chomwe chikugwiritsidwanso ntchito mu 2018 .
Ubwino wa inshuwalansi ya nthawi yayitali
Zolakwa za Inshuwalansi Yathanzi ya Nthawi yayitali
HHS inakhazikitsa malamulo atsopano kuyambira mu 2017 omwe amaletsa mapulani a nthawi yayitali osapitirira miyezi itatu m'kupita kwanthawi. Boma la Trump likulingalira malamulo oti asinthe malamulo a nthawi ya Obama potsata ndondomeko yaifupi (ngakhale kuti itatha kugwira ntchito Pulezidenti Trump atayamba ntchito, idakhazikitsidwa pulezidenti wa Obama HHS). Zili kuyembekezera kuti ndondomeko ya ndondomeko ya nthawi yayitali idzabwereranso ku "pansi pa chaka" panthawi ina mu 2018, koma malamulo omwe asankhidwa sanayambe kufalitsidwa pofika mwezi wa January 2018. amaloledwa kuti akhale ndi masiku osachepera 364, kupezeka kwa mapulani a nthawi yayitali kudzakhala kosiyana ndi boma, monga momwe zinachitira chaka cha 2017.
Ine Ndikuti Ndikhale Wosavomerezeka. Nanga Tsopano?
Ngati palibe zomwe zili pamwambapa zikugwira ntchito kwa inu ndipo simudzatsitsimulidwa mpaka ku Obamacare chaka chotsatira cholembetsa, dziwani kliniki yaulere kapena Malo a Thanzi Lathu. Ndalama Zopindulitsa Zowonjezera zowonjezera ndalama zowonjezereka kuzipatala za Community Community kuti ziwathandize kusamalira anthu opanda inshuwalansi.
Kukonzekera bwino kuti musatonthozedwe pogwiritsa ntchito bukhuli kuti musakhale ndi inshuwalansi .
Kodi Ndiyenera Kubweza Chilango cha Misonkho Chosavomerezedwa?
Ndalama Yopereka Chithandizo Chachikulu Chachikulu chimati onse okhala mu United States ayenera kukhala ndi inshuwalansi ya zaumoyo kapena kulipira chikhomodzinso chotchedwa msonkho wotchedwa munthu yemwe ali ndi udindo wolipira. Chilango cha msonkho ndi chiwerengero cha ndalama zomwe muli nazo kapena chiwerengero chapafupi - chomwe chiri chachikulu - ndipo chimalipidwa pamene mumapereka msonkho kwa chaka chomwe simunachirikizidwe. Chilango chimayesedwa ngati mutakhala osatetezedwa kwa chaka chimodzi.
Chilangocho chinachotsedwa mu msonkho wa msonkho wa GOP womwe unakhazikitsidwa kumapeto kwa chaka cha 2017 , koma kupereka msonkhanowo sikugwira ntchito mpaka 2019. Anthu omwe sali ovomerezeka mu 2018 adzalandira chilango pamene adzalanditsa msonkho wawo wa 2018 kumayambiriro kwa chaka cha 2019, pokhapokha ngati akuyenera kulandira ufulu.
Dziwani zambiri za chilango cha inshuwalansi ya umoyo ndi izi:
Zinthu 9 Zodziwa Zokhudza Zaumoyo Za Inshuwalansi
Kodi Chigamulo cha Inshuwalansi cha Umoyo Chachuluka Ndi Chiyani?
Kodi Chilango Cha Inshuwalansi cha Banja Ndichuluka bwanji?
Ndingapewe Chilango cha Inshuwalansi Zaumoyo?
Munthuyo anagawana udindo wothandizira amadza ndi zina zotsala. Mwachitsanzo, ngati ndalama zanu zili zochepa kwambiri moti simukuyenera kupereka msonkho wa federal, mumangopeza chilango. Ngakhale mavuto a zachuma monga kuthamangitsidwa m'nyumba yanu kapena kupeza chidziwitso chotsutsa ntchito angathe kukuthandizani kuti mukhale ndi mavuto.
Phunzirani za njira zina zopezera inshuwalansi ya umoyo ndikupewa chilango:
Mmene Mungapezere Mavuto Otsutsana ndi Inshuwalansi Zaumoyo
Kodi Mungapeze Kuwombola kwa Inshuwalansi ya Zaumoyo?
Kodi Ndingatani Kuti Ndilembereni ku Obamacare?
Kutsegula kolemba kwa 2019 kudzayamba pa November 1, 2018, ndi mapulani onse ogwira ntchito pa January 1, 2019.
> Zotsatira:
> Dipatimenti ya zaumoyo ndi zithandizo zaumunthu, Chitetezo cha odwala komanso chithandizo chamankhwala chamtengo wapatali, Msika Wolimbitsa . April 13, 2017.
> Dipatimenti ya zaumoyo ndi zithandizo zaumunthu, PPACA Chidziwitso cha Kupindula ndi Malipiro a Zopereka za 2017 .
> Federal Register, Kupindula Kwambiri; Zochitika za moyo ndi Chakale; ndi Inshuwalansi ya Nthawi yaying'ono, yayitali, October 31, 2016.
> United States Dipatimenti Yochita Ntchito, Obama Administration Adzalengeza Lamulo Lomaliza Lokhudza Kusamalira Malingaliro Osayembekezereka Wolemba Pakati pa Nthaŵi Yopitirira 90, February 24, 2014.