Anthu ambiri akukweza chikhulupiriro chawo ku mautumiki a zaumoyo
The Affordable Care Act yafuna ambiri ku America kuti apitirizebe inshuwalansi ya chithandizo cha inshuwalansi kuyambira mu January 2014. Izi zimadziwika kuti ali ndi udindo wopereka kapena udindo wina aliyense, ndipo akulimbikitsidwa ndi chilango cha msonkho chomwe chiyenera kuwerengedwa pafupifupi $ 1,000 pa banja losatetezedwe la 2016 (chilango chifukwa chosatsimikiziridwa mu 2016 kudzayankhidwa kumayambiriro kwa 2017 pamene 2016 msonkho wa msonkho waperekedwa).
Koma pali mndandanda wautali wa ufulu wa ACA . Mmodzi mwa iwo amapezeka kwa anthu omwe ali m'gulu la ulaliki wothandizira zaumoyo (HCSM) omwe akhalapo ndikupatsanso ndalama zadongosolo lachipatala kuyambira pa December 31, 1999.
Zofuna za ACA za HCSM zifotokozedwa patsamba 148 la malamulo (Gawo 1501) . HSCM iyenera kupitiriza kukhala ndi mamembala atadwala, ndipo ayenera kukhala ndi kafukufuku wapachaka omwe adachitidwa ndi a COMPASS. Ndipo mamembala a HCSM ayenera " kugawana zikhulupiliro zofanana kapena zachipembedzo ndikugawana ndalama zomwe zimagwiritsidwa ntchito pazipatala mogwirizana ndi zikhulupilirozo ."
Kuyambira chaka cha 2014, panali ma HCSM 53 omwe adavomerezedwa ndi boma, ndipo mamembala awo sali oyenera kugawanika kwa ACA. Ambiri mwa ma HCSM omwe amavomerezedwa amayendetsedwa ndi mipingo ya Amish ndi a Mennonite, ndipo ali ndi anthu oposa 100 (onetsetsani kuti ufulu wa ACA wokhala ndi udindo payekha - womwe uli wosiyana ndi kuchotsedwa kwa HCSM - umagwiranso ntchito kwa osonkhana a Amish ndi Old Mennonite ) .
Koma pali ma HCSM ambiri, ndipo umembala wathunthu wakula kuchokera pafupifupi 110,000 anthu mu 2010 kufika pafupifupi 530,000 anthu kumayambiriro kwa chaka cha 2016. Zifukwa zambiri zimakhudza kukula, kuphatikizapo chikhumbo cha Akristu kuti asateteze zaumoyo zomwe zimakhudza ntchito monga kulera ndi kuchotsa mimba, ndipo m'malo mwake muzikonzekera mapulani omwe amapereka ndalama zothandizira zaumoyo ndi Akhristu anzawo m'njira yowonjezera.
Kuonjezera apo, maubwenzi a HCSM nthawi zambiri amakhala otsika mtengo kuposa ndalama za inshuwalansi, ngakhale kuti izo zimasiyanasiyana kwambiri malinga ndi ngati kaya akuyenerera kuti apereke ndalama zothandizira ndalama zowonjezereka mu inshuwalansi ya umoyo.
Ngati mukuganiza kuti mutaya inshuwalansi yanu kuti mukhale ndi umwini wa HCSM, apa ndi zomwe muyenera kudziwa:
- Ma HCSM sali inshuwalansi ya umoyo, ndipo samabwera ndi chitsimikizo, maudindo, ndi zotetezera ogula zomwe ziri zowonjezera pa mapulani a inshuwalansi. Malinga ndi Alliance of Health Care Sharing Ministries, mayiko 30 " adziwa bwino kuti gawo la mautumiki a zaumoyo ndilolumikizana ndi malamulo awo ndipo amavomereza zizindikiro za inshuwaransi za boma sizikugwira ntchito ku mautumiki kapena anthu omwe ali nawo ." Mwa kuyankhula kwina, malamulo a inshuwaransi ndi malamulo mu mayiko amenewo sakugwiritsidwa ntchito kwa HCSM, ndipo dipatimenti ya inshuwalansi ya boma silingathe kulowerera m'malo mwa membala ngati pangakhale mavuto.
- Komabe, ma HCSM ndiwo 501 (c) (3) othandizira, kotero amalamulidwa ndi Internal Revenue Service ndi mabungwe a boma.
- Ma HCSM sayenera kutsatira malamulo a ACA. Izi zikutanthauza kuti iwo sayenera kubwereza ubwino wa thanzi, akhoza (ndi kuchita) akadalibe zikhalidwe zomwe zakhalapo kale, ndipo angathe (ndikuchita) kuti azipangira ndalama zopezeka pachaka komanso zopindulitsa .
- Pali nkhawa kuti HCSM ingasokoneze bata la inshuwalansi ya inshuwalansi nthawi zonse. Ndichifukwa chakuti ma HCSM amakonda kukopa olembetsa abwino chifukwa samaphimba zinthu zomwe zakhalapo kale. Amafunanso kuti mamembala azipewa zinthu monga kugonana kunja kwaukwati, kugwiritsa ntchito fodya, mankhwala osokoneza bongo, ndi kumwa mowa mopitirira muyeso, zomwe zimathandizanso kuti umoyo wawo wonse ukhale wabwino. Koma mwachisawawa, izi zimabweretsa chidziwitso chokhala ndi thanzi labwino pa inshuwalansi ya umoyo, ndipo pamapeto pake, apamwamba kwambiri.
- Ma HCSM akhoza kukana kufotokoza zomwe zimachokera ku khalidwe loletsedwa. Choncho, mayi wokwatiwa wosakwatira sangakhale woyenera kulandira phindu, ndipo zinthu monga mankhwala osokoneza bongo kapena mankhwala osokoneza bongo sizikanagawidwa ndi mamembala ena.
- Ngati mutha kusamalira chithandizo chamankhwala chomwe sichikutsekedwa ndi HCSM yanu, kapena ngati bili lanu likuposa mavoti ogawidwa ndi HCSM yanu, muyenera kuyembekezera nthawi yotsatira yolembera kuti mulembere ndondomeko ya thanzi ya ACA, kupatulapo muli ndi chiyeneretso .
- Ma HCSM angathe kukhala ndi ma PPO (mamembala angakhale ndi udindo wowonjezera ngati atuluka kunja kwa intaneti), kapena akhoza kugawa ndalama za mamembala mosasamala zomwe madokotala ndi zipatala amagwiritsa ntchito - zimadalira HCSM.
- Ngati muli membala wa HCSM, simukuyenera kulipira chilango cha ACA kuti musatetezedwe, ndipo mugwiritse ntchito Fomu 8965 kuti muwonetse izi pamene mutumiza msonkho wanu. Fomuyi ili ndi magawo awiri - mbali yaikulu ndi yomwe mumapereka mwayi wokhala ndi ndalama zowonongeka m'boma lanu, ndipo mbali ya pansi ndi pamene mumapereka mwayi wochokera ku IRS mukamasulira kubwerera kwanu. Kukhululukidwa kwa mamembala a HCSM kulipo njira ziwiri:
- Kuti mukhale ndi ufulu wosinthana nawo, funsani zachitsulo chanu mumtundu wanu (ngati muli m'gulu limodzi la 38 ntchito ya Healthcare.gov, iyi ndiyo fomu yopempha kuti musagwiritse ntchito). Mudzagwiritsa ntchito chiwerengero cha chitifiketi chomwe mwapeza kuchoka kusinthanitsa kuti mudzaze gawo la pamwamba la Fomu 8965.
- Kuti mulole kuchoka pamene mutulutsa msonkho wanu wa msonkho, mugwiritse ntchito gawo la pansi pa Fomu 8965, ndipo lembani code "D" muzitsulo "yaulere". Ngati simukudziwa ngati umembala wanu umakhala ngati umene ungakulepheretseni kulandira chilango cha ACA, funsani HCSM kuti mudziwe zambiri (ngati mwachitsanzo, HCSM yanu siinagwire ntchito kuyambira pa December 31, 1999, inu 'd komabe muli ndi udindo wolipiritsa chilango chaufulu ngati mulibe mtundu wina wa zofunikira zochepa).
Chodziwikiratu : Nkhaniyi ndi yachinsinsi, komanso sikuti ikupereka malangizo a msonkho. Funsani ndi mlangizi wa msonkho musanayambe kutulutsa mwayi wa HCSM ku chilango cha munthu aliyense.