Zikondwerero za Benchmark zikuwonjezeka: Apa pali zomwe muyenera kudziwa.
Mlungu watha, HHS inafotokozera mwachidule malipiro omwe amaperekedwa kudzera mu Healthcare.gov mu 2016. Chimodzi mwa mfundo zomwe zinachokerapo chinali chakuti mapepala oyendetsera ndalama akuwonjezeka ndi pafupifupi 7.5 peresenti m'mayiko 37 omwe amagwiritsa ntchito Healthcare.gov mu 2015 ( ndi kuwonjezera kwa Hawaii, mayiko 38 akugwiritsa ntchito nsanamira ya inshuwalansi ya Healthcare.gov mu nthawi yolembera 2016 yotsegulidwa).
Koma kodi izi zikutanthauzanji kwenikweni?
Ndondomeko ya malire ndi ndondomeko ya Silver-yotsika mtengo kwambiri m'deralo. Kotero ngati mupita ku Healthcare.gov (kapena tsamba lanu loyendetsa kayendedwe ka boma ngati muli m'gulu limodzi la 13 zomwe zimagwira ntchito zawo) ndi kupeza ndondomeko, ndondomeko ya Silver yomwe imakhala yotsika mtengo kwambiri yomwe imakoka ndiyo chizindikiro Konzani m'deralo. Chifukwa chake ndizofunikira chifukwa ndalama zothandizira zimakhala zogwiritsira ntchito ndondomeko ya ndondomeko ya ndondomeko yachitsulo pamlingo wotsika mtengo pansi pa ACA.
Lipoti lomwe HHS lafalitsa sabata yatha likuphatikizapo kusintha kwapadera kwa ndondomeko ya mapulani omwe akuyendera m'mayiko 37. Koma mkati mwa boma, pali mapulani osiyana omwe alipo m'malo osiyanasiyana. Ndipo ngakhale ndondomekoyi ndi yofanana m'madera osiyanasiyana, mtengo ukhoza kukhala wosiyana, chifukwa malo ndi chimodzi mwa zinthu zomwe zingagwiritsidwe ntchito kukhazikitsa malipiro.
Lipoti la HHS linaphatikizapo malire a dziko lonse a benchmark premium kusintha, koma adaphatikizansopo kafukufuku wotsatizana wa kusintha kwa ntchito m'madera akuluakulu 30.
Deta imeneyo imathandiza kufotokoza momwe mipangidwe yowonjezeramo ndalama imasiyanirana m'boma. Mwachitsanzo, kudera lonse la Georgia, kawirikawiri ndalama zapadera zowonjezereka zikuwonjezeka ndi 6.1% mu 2016. Koma m'tawuni ya Atlanta, dongosolo lokhazikitsa malire lidzakhala loposa 4,7% mu 2016.
Mapulani a zizindikiro angakhale osiyana chaka chilichonse
Chinthu chinanso chofunikira pakumvetsetsa kusintha kwapadera kwachitukuko ndi chakuti choyimira chingakhale dongosolo losiyana kwambiri kuyambira chaka chimodzi mpaka lotsatira.
Mu 2015, ndondomeko ya Silver ya mtengo wotsika kwambiri m'dera lanu ikhoza kukhala ndondomeko ya $ 5,000 yochokera ku Carrier X. Koma ngati Carrier X ikukweza mitengo kusiyana ndi Carrier Y, ndondomeko ya zizindikiro mu 2016 - kumalo omwewo - mwina $ 4,800 Pulogalamu yoperekedwa kuchokera ku Carrier Y. Pamene HHS ikunena kuti kachitidwe kawiri kawiri kawiri kawiri ka 2016, imangotanthauza mtengo wa ndondomeko yomwe ili ndi ndalama zachiwiri-mtengo wotsika mtengo. Sizisonyeza kuti ndalamazo zimasintha bwanji pulojekiti yomwe imakhala ndi malo otchulidwa mu 2015. Pa zochitika pamwambapa, kusintha kwa mlingozi kungaphatikizepo kuyerekezera mtengo wa Carrier X mu 2015 ndi mtengo wa Carrier Y mu 2016.
Choncho kuwonjezeka kwa chiwerengero cha 7.5% pa malipiro a msonkhanowu sikukuuzani chirichonse mwa momwe ndalama zanu zamakono zidzasinthira. Koma limapereka chisonyezo cha momwe ndalama zanu zothandizira ndalama zingasinthire chaka chamawa. Apanso, ndizochepa; zosiyana zimasiyanasiyana kuchokera kumadera osiyanasiyana. Koma ngati ndondomeko ya Silver ya mtengo wotsika kwambiri m'dera lanu idzakhala yotsika mtengo mu 2016 kuposa momwe zinalili mu 2015, chithandizo chanu chidzakhala chapamwamba kuposa chaka chino. Ndipo zosiyana ndizoona. Kumadera omwe padzakhala malipiro apamwamba mu 2016, ndalama zothandizira zidzakhalanso zochepa, popeza kuti ndalama zowonjezera sizingatheke kuti pakhale ndalama zatsopano zogwirira ntchitoyi ku Indiana, Maine, Mississippi, ndi Ohio. ali ndi malipiro apamwamba omwe alipo mu 2016 kuposa omwe anali nawo mu 2015).
Tengani nthawi yogula pafupi
Palibe njira yodziwira kuti ndondomeko yanu, chithandizo chanu, ndi zolinga zina m'dera mwanu zidzakhala zotani kufikira mutagwirizanitsa zomwe mungachite panthawi yolembetsa. Kulolera ndondomeko yanu yowonongeka kungapangitse kudabwa mukalandira chikalata chanu cha January ; ngakhale mutadziwa kuchuluka kwa mapulani anu, kusintha kosinthika kungapangitsenso kuti apamwamba kapena apamwamba kuposa momwe mukuyembekezera. Ndipo popeza ogwira ntchito akupereka mapulani osiyanasiyana mmadera osiyanasiyana chaka chamawa, mungapeze kuti dongosolo latsopano lidzapindulitsa kusiyana ndi kusunga zomwe muli nazo tsopano. Palibe-kukula-kamodzi-kokha pamene ndi nthawi yokonzanso inshuwaransi yanu - kugula pafupi!
Padziko lonse, malonda pamsika (pambali yonse ya zitsulo komanso kuphatikizapo zosinthika) akuwonjezeka ndi pafupifupi 12% mpaka 14% mu 2016, osagula malo ogulitsa ndikusintha pulogalamu yatsopano. Koma ngati ogula amalonda pafupi, akhoza kutha ndi kusintha kwakukulu kwambiri kuposa izo.
November mpaka January olembetsa omasuka - msika uliwonse
Kulembetsa koyamba komwe kunayamba pa November 1 ndikupitirira mpaka pa 31 January kumangogwiritsidwa ntchito kwa msika wa inshuwalansi yaumoyo. Ngati mutapeza inshuwaransi yanu kuchokera kwa abwana anu, mawindo anu olembera ndi osiyana. Medicare ili ndi mawindo olembera olembera ndipo olembetsa a Medicaid / CHIP amatha chaka chonse. Msonkhano wapadera womwe umasinthidwa womwe ukufotokozedwa mu lipoti la HHS umagwiritsidwa ntchito kwa anthu omwe amagula inshuwalansi ya umoyo payekha ku ACA-omwe amapanga mgwirizano mu mayiko 37 omwe amagwiritsa ntchito Healthcare.gov (ngakhale kuti malingaliro omwe amagulitsidwa kunja kwa kusinthanitsa m'mayiko amenewo adzawona kusintha kwapadera komwe kuli zofanana ndi kusinthana kwamasinthidwe kusintha).