Kampani ya inshuwalansi yochepa imapezeka chaka chonse, koma werengani bwino
Pogwiritsa ntchito kulembetsa, mwayi wotsatsa malingaliro atsopano kapena kusintha kuchokera pa ndondomeko ina kupita kwina ndi yochepa. Anthu ambiri amafunikira chochita choyenerera kuti alembetse, ngakhale Achimereka Achimerika angathe kulembetsa chaka chonse mu ndondomeko mwa kusinthanitsa, ndipo aliyense woyenera Medicaid kapena CHIP akhoza kulemba nthawi iliyonse pachaka.
Mipingo yochepa yolembetsa pa msika pawokha imagwira ntchito potsatsa.
Koma palinso mitundu ina yowunikira yomwe ikupezeka chaka chonse. Mapulani osayendetsedwa ndi ACA angagulidwe nthawi iliyonse, ndipo nthawi zambiri ndi otchipa poyerekeza ndi chiwerengero chachikulu cha mankhwala a ACA. Koma ndizofunikira kuti muzindikire bwino kusindikiza pamene mukulingalira ndondomeko yosavomerezeka ya ACA.
Kodi Ndondomeko Zomwe Zilibe Zogwirizana ndi ACA?
Mapulani osavomerezekawa akuphatikizapo ndondomeko zovuta za matenda (mwachitsanzo, ndondomeko yomwe imapereka phindu ngati muli ndi matenda enieni), mapulani ena ochepa omwe angapindule nawo, zopatsirana zoopsa (mwachitsanzo, ndondomeko zomwe zimapereka ndalama zochepa ngati mukuvulala mapulani a mano / masomphenya (kubereka kwa mano akuyang'aniridwa ndi ACA, koma kukumbidwa kwa mano akuluakulu si), ndi inshuwalansi ya nthawi yayitali.
Zambiri mwazimenezi zisanapangidwenso zisanapangidwenso kuti zizikhala zowonjezera-zidafunika kuti zitsimikizidwe ku ndondomeko yaikulu ya inshuwalansi ya zaumoyo.
Kotero munthu yemwe ali ndi deductible yapamwamba angasankhe kuti akhalenso ndi ngozi yowonjezera yomwe ingamuthandize kuti adziwe ngati akuvulazidwa-koma ngozi yowonjezera yokha idzakhala yopanda malire ngati igulidwa ngati munthu yekha.
Tanthauzo la "Nthawi Yang'ono" Lasintha, ndipo Zidzadabwitsa Kusintha Kachiwiri
Inshuwalansi yaifupi yayimilira kuti ikhale yogawira yekha, ngakhale kwa kanthaŵi kochepa chabe.
Pambuyo pa 2017, inshuwalansi yanthaŵi yayitali idatanthauzidwa ndi boma la federal monga ndondomeko yokhalapo kwa masiku 364, ngakhale kuti mayiko ena adayika kwa miyezi isanu ndi umodzi, ndipo ndondomeko zambiri zomwe zikupezeka m'dziko lonse zidagulitsidwa ndi miyezi isanu ndi umodzi.
Koma mu 2017, mapulani a nthawi yayitali amapezeka kokha kwa miyezi itatu. Izi zikuchitika chifukwa cha malamulo omwe HHS anamaliza kumapeto kwa chaka cha 2016, ndi kukhazikitsa lamulo kuyambira April 2017 (ndondomeko yaifupi yomwe idaperekedwa patsogolo pa April 2017 inaloledwa kukhalapo mpaka kumapeto kwa 2017, kapena tsiku loyambitsiridwa ndi inshuwalansi).
Komabe, malamulowo angasinthe kachiwiri pansi pa Ulamuliro wa Trump. Mu October 2017, Purezidenti Trump anasaina lamulo lotsogolera bungwe la federal kuti liganizire "kupangira malamulo kapena kukonzanso chitsogozo, mogwirizana ndi lamulo, kuwonjezera kupezeka kwa inshuwalansi yathanzi. Choyembekeza ndi chakuti mabungwe adzakhazikitsa malamulo kuti abwerere ku ndondomeko yoyamba ya inshuwalansi yaifupi, kulola kuti mapulani akhale ndi nthawi ya masiku 364.
Zidzatenga nthawi kuti izi zitheke, komabe, monga mabungwe adzalowera ndondomeko yoyenera yolemba malamulo ndi kulola nthawi yowunikira anthu.
Ndipo akuti adakali ndi mawu omalizira ponena za zomwe zimaloledwa mu boma lililonse. Zina mwazimene zimaletsa zolinga zazing'ono, ndipo zikhoza kupitirizabe. Ndipo akunena kuti nthawi yaying'ono yopanga miyezi isanu ndi umodzi yokhayokha nthawi zambiri amatha kusunga malamulowo ngati komanso boma la federal lidzabwerenso kutanthauzira kwake koyamba ka inshuwalansi yaifupi.
Kodi Ndikufunika Kudziwa Chiyani Zokhudza Mapulani a Nthawi Yang'ono?
Chifukwa cha zofooka zambiri (zomwe zafotokozedwa m'munsimu), inshuwalansi ya nthawi yayitali ndi yotsika mtengo kuposa inshuwalansi yathanzi.
Ndipo ngakhale inshuwalansi yaifupi yaying'ono siidapezeka m'mayiko onse, imapezeka kuti igule chaka chonse, popanda nthawi yolembera, m'mayiko ambiri.
Koma inshuwalansi yanthaŵi yaying'ono siiliyendetsedwa ndi ACA. Zotsatira zake, pali zinthu zingapo zomwe muyenera kuzidziwa zomwe mukuganiza kuti mugula ndondomeko yaifupi:
- Mapulani a nthawi yaying'ono sayenera kutsegula mapindu khumi othandizira thanzi la ACA. Mapulani ambiri a nthawi yayitali samaphimba chisamaliro cha amayi, makhalidwe abwino, kapena kusamalira.
- Mapulani a nthawi yayitali akadali ndi phindu lopindulitsa , ngakhale pazinthu zomwe zimaonedwa kuti ndizofunikira zathanzi pansi pa ACA.
- Mapulani a nthawi yayitali akugwiritsabe ntchito kulembedwa kwachipatala, ndipo musaphimbe zinthu zomwe zakhalapo kale. Mapulogalamuwa akufunsabe za mbiri yakale yachipatala kuti adziwe zoyenera kulengeza. Ndipo ngakhale mndandanda wa mafunso a zachipatala pa pempho la inshuwalansi yaifupi -fupi ndi lalifupi kwambiri kuposa mndandanda wa mafunso omwe analipo pamwambo waukulu-inshuwalansi ya chithandizo pamaso pa 2014, ndondomeko zazing'ono zazing'ono zimabwera ndi kusungidwa kwa bulange pa onse -kukhalapo.
- Ndondomeko zazing'ono sizinaganizidwe kuti ndizofunikira zofunikira, zomwe zikutanthauza kuti anthu omwe amadalira iwo akugonjetsedwa ndi chilango cha ACA kuti asatetezedwe , kupatula ngati iwo sali oyenera kulandira chilango (komanso kuti chilango chili chapamwamba kwambiri kuposa tsopano mu 2014 ndi 2015).
- Chifukwa chakuti saganiziridwa kuti ndizofunikira kwenikweni, kukonzanso ndondomeko ya nthawi yayifupi sizoyenera . Kotero ngati ndondomeko yanu yaifupi ingathe kumapeto kwa chaka chimodzi ndipo simukuyenera kugula ndondomeko ina yaifupi (zomwe zikanakhala choncho ngati mutakhala ndi chikhalidwe choyambirira chisanachitike panthawi ya ndondomeko yoyamba yaifupi), simudzakhala ndi mwayi wolembetsa ndondomeko ya inshuwalansi yowonjezera mpaka olembetsa atseguka.
- Mukhoza kukhala ndi dongosolo laling'ono la nthawi yochepa. Ndipo pamene mutha kukhala ndi mwayi wogula ndondomeko ina yaifupi yomwe yoyamba imatha, nkofunika kumvetsa kuti mukuyamba ndi ndondomeko yatsopano, m'malo moyendetsa zomwe mudali nazo kale. Izi zikutanthauza kuti mudzagonjetsedwa ndi zolemba zachipatala mukamalowa m'ndondomeko yachiwiri, ndipo zikhalidwe zilizonse zomwe zakhala zikuchitika nthawi yomwe mudakali inshuwalansi pa ndondomeko yoyamba sizingasungidwe pa dongosolo lachiwiri.
Izi zinati, pali zochitika zina zomwe dongosolo lalifupi laling'ono limapanga. Ndipo mfundo yakuti angathe kugula nthawi iliyonse m'chaka chiridi zopindulitsa kwa ena opempha:
- Ngati mutangotenga chithandizo kwa miyezi iwiri kapena iwiri, ndipo mukudziwa kuti muli ndi chidziwitso chatsopano kumapeto kwa nthawi imeneyo, ndondomeko yaifupi ingakhale yankho lolondola. Chilango cha ACA chosavomerezedwa sichikugwiranso ntchito pafupipafupi kamodzi pa chaka, malinga ngati zili zosakwana miyezi itatu (kusiyana kwa miyezi itatu kumaperekedwa chilango). Ngati malire anu akuyambira adzawonjezeka miyezi itatu kapena kuposerapo, ndondomeko ya nthawi yaying'ono ikhonza kukhala yosankha bwino (kuganiza kuti mapulani a nthawi yayitali amaloledwanso kuti akhale ndi miyezi yoposa itatu), koma muyenera kutero pa mtengo wa chilango kuphatikizapo mtengo wa dongosolo laling'ono.
- Ngati mulibe chilango cha ACA chifukwa chakuti palibe malipiro okhutira omwe angakwanitse kusinthanitsa (chifukwa cha 2018, mtengo wotsika mtengo umatanthauzidwa ngati ndondomeko yomwe imadula ndalama zopitirira 8.05 peresenti ya pakhomo lanu, pambuyo pa chithandizo chilichonse amagwiritsidwa ntchito), ndondomeko yaifupi ingakhale yankho labwino la kanthawi. M'mayiko omwe inshuwalansi ya zaumoyo ndi okwera mtengo kwambiri, anthu omwe sali oyenerera kupereka ndalama zowonjezera ndalama nthawi zina amaona kuti mgwirizano wa ACA-wodalirika umatipatsa ife chiwerengero chachikulu cha ndalama zawo pachaka. Ngati muli mu mkhalidwe umenewu ndipo simungathe kugula inshuwalansi yaumphawi ndipo simungathe kutsegulidwa (ngakhale popanda chilango, mukuganiza kuti palibe malingaliro osinthanitsa omwe angapereke ndalama zosachepera 8.05% zomwe mwapeza mu 2018), mwachidule -dongosolo labwino ndilobwino kuposa kukhala wosatsimikiziridwa, ngakhale kuti ndizothetsera kanthawi kochepa.
- Ngati muli ndi thanzi labwino, ndondomeko yamaganizo ya nthawi yaying'ono komanso chithandizo chomwe chilipo kale sichingakhale chovuta. Koma kumbukirani kuti mukuyenerera kugula ndondomeko yachiwiri ya nthawi yayitali pamene chiwonongeko choyamba chikugwirizana ndi kukhalabe wathanzi.
> Zotsatira:
> Dipatimenti ya Ntchito, Dipatimenti ya Chuma, Dipatimenti ya Zaumoyo ndi Zaumoyo. Kupindula Kwambiri; Zochitika za moyo ndi Chakale; ndi nthawi yayitali, yaying'ono inshuwalansi . October 2016.
> Mapulogalamu a Pakhomo la mkati. Ndondomeko ya Ndalama 2017-36 .
> WhiteHouse.gov. Pulezidenti Wotsogolera Pulezidenti Kulimbikitsa Chosankha ndi Mpikisano wa Zaumoyo Ku United States. October 12, 2017.