Ntchito Yodalirika Yopereka Ntchito Yowonjezereka Kuwonjezera Pakati pa Omwe Ali ndi zaka 26
Pulezidenti Obama adasindikiza lamulo lothandizira kuti likhale lovomerezeka m'mwezi wa March 2010. Zambiri mwazigawozi zinachedwa kuchepa mpaka chaka cha 2014, koma mbali zina za lamulo zinayamba kugwira ntchito miyezi ingapo yoyamba mutatha lamuloli.
A ACA atangosindikizidwa kukhala lamulo, Dipatimenti ya Zaumoyo ndi Zaumoyo (HHS), inayamba kusindikiza malamulo kuti agwiritse ntchito malamulowo mogwirizana ndi nthawi yomwe akufuna.
Chimodzi mwa zofunikira kwambiri mu lamulo lokonza zaumoyo lomwe linagwiritsidwa ntchito mu 2010 chinali chongowonjezera chithandizo chodalira kuti atsimikizire kuti achinyamata onse ali ndi inshuwalansi yathanzi. Ngakhale kuti dongosololi linayambika pa September 23, 2010, Mlembi wa HHS, Kathleen Sebelius, adadzipereka ku makampani akuluakulu a inshuwalansi kuti ayambe kukhazikitsa ntchitoyi mu May 2010. Izi zinapangitsa ophunzira ambiri kumaliza maphunziro awo ku koleji kumapeto kwa kasupe kuti tipewe kusiyana pakati.
N'chifukwa Chiyani Zinaphatikizapo Zofunika Zowonjezera?
Pambuyo pa gawo la Affordable Care Act, makampani ambiri a inshuwalansi adagonjetsa achinyamata kuzinthu zaumoyo za makolo awo chifukwa cha msinkhu wawo kapena / kapena kuti wachikulireyo sakhalanso ndi malingaliro a IRS wodalirika-kawirikawiri atangoyamba kumene munthu wamkulu sanali wophunzira wanthawi zonse. Izi zinasiya ambiri ophunzira ku koleji ndi achinyamata ena omwe alibe inshuwalansi ya thanzi.
Ndipo, malinga ndi zomwe alemba a Obama Administration adanena:
- Pre-ACA, achinyamata achikulire anali ndi chiwopsezo chosavomerezeka cha a msinkhu uliwonse. Achinyamata pafupifupi 30% sanavomerezedwe - mlingo umene unali wapamwamba kuposa gulu lina lililonse.
- Achinyamata achikulire ali ndi chiŵerengero chotsikirapo chofikira kwa inshuwalansi yochokera ku inshuwalansi. Chifukwa chakuti achinyamata achikulire ndi atsopano kuntchito, nthawi zambiri amakhala ndi "ntchito zolowera kuntchito, ntchito za nthawi yochepa, kapena ntchito m'mabizinesi ang'onoang'ono omwe samapereka inshuwalansi ya thanzi." Izi zikupitirirabe choncho patapita zaka zingapo, koma kupeza inshuwalansi yaumoyo ya makolo yathandizira kuthetsa kusiyana.
- Umoyo ndi ndalama za achinyamata achikulire zinali pangozi. Ngakhale achinyamata ambiri (ndi ena) sakuganiza kuti akusowa inshuwalansi ya thanzi, ndikutchula Wolemba Sebelius, "sitepe imodzi kuchoka pa ngozi kapena zochitika zoopsa." Ndipotu, mmodzi mwa achinyamata asanu ndi mmodzi ali ndi matenda aakulu monga khansa, shuga kapena mphumu komanso ACA isanafike, pafupifupi theka la achinyamata omwe sanalimbikitsidwe akudandaula kuti akuvutika kulipira ngongole zawo zachipatala asanafike ACA.
Kodi Kusintha kwaumoyo kunathandiza bwanji achinyamata?
Cholinga cha Care Act chimafuna mapulani azaumoyo omwe amapereka chithandizo kwa ana omwe akudalira pa dongosolo la makolo awo kuti apeze chithandizo mpaka mwana wamkulu atakwanitse zaka 26, mosasamala kanthu kuti wamkuluyo akadalibe wodalirika pa msonkho.
Pa May 10, 2010, nthambi za Health and Human Services, Labor, ndi Treasury (IRS) zinapereka malamulo oyenerera kuti athetse kufalitsa kwadalira ana akuluakulu mpaka zaka 26. Ena mwa malamulo ofunikirawa ndi awa:
Kuwonjezera kwa Ana Achikulire Oposa
Mapulani a zaumoyo omwe amapereka chithandizo chodalira ayenera kupereka inshuwalansi ya umoyo kwa ana akuluakulu olembetsa mpaka zaka 26, ngakhale ana akuluakulu asakhalenso ndi makolo awo, sakudalira kubweza kwa misonkho ya makolo awo, kapena sali ophunzira.
Lamuloli likugwiritsidwa ntchito kwa ana onse okwatira kapena osakwatiwa, ngakhale kuti okwatirana awo ndi ana sayeneretsedwe kufotokozedwa. Ndipo zimagwiranso ntchito m'misika ya inshuwalansi ya umoyo wa munthu aliyense ndi gulu: Ziribe kanthu ngati makolo akupeza inshuwalansi ya umoyo kudzera mwa abwana kapena kugula izo okha, ana awo akuluakulu angapangidwe pa dongosolo malinga ndi dongosolo Kuwonjezera kufotokozera kwa ana omwe akudalira.
Achinyamata Onse Oyenerera Analembetsa Mwapadera Udindo
Cholinga choti achinyamata akuloledwe kukhalabe pazinthu za makolo awo kufikira zaka makumi awiri ndi zisanu ndi ziwiri (26) akugwiritsidwa ntchito pakukonza ndondomeko zaka kuyambira kuyambira pa September 23, 2010.
Ambiri a inshuwalansi adagwiritsa ntchito makonzedwe apamwambawo, komabe onse adayenera kuchita zimenezi pokonzanso koyamba pambuyo pa September 23, 2010.
Ndipo ndondomeko zonse zinayenera kukhazikitsa nthawi yapadera yolembetsa-masiku osachepera makumi atatu (30) omwe achinyamata omwe sankakhala nawo kale pamabuku a makolo awo anapatsidwa mwayi wowonjezera ku ndondomekoyi. Nthawi yolembera imeneyi inalipo ngakhale kuti ikugwirizana ndi nthawi yolembera. Anali kupezeka kwa achinyamata omwe kale anali okalamba pazinthu za makolo awo, komanso achinyamata omwe adasankha kuti asakonzedwe pa dongosolo la makolo awo pa zifukwa zina.
Kuyambira nthawi imeneyo, achinyamata adatha kukhalabe ndi zolinga za makolo awo kufikira zaka 26, koma atha kukwaniritsa zolinga za makolo awo panthawi yolembera chaka chilichonse, kapena pa nthawi yapadera yolembetsa yomwe imayamba chifukwa cha oyenerera-achinyamata Achikulire sangathe kungowonjezera ndondomeko ya thanzi la kholo pamene akufuna.
Zomwe Zimapindulitsa Panthawi Yamtengo Wapatali
Mapulani a inshuwalansi a zaumoyo omwe amapereka chithandizo choyenera akuyenera kupereka kwa munthu wamkulu yemwe ali woyenera kulandirapo zomwe zimapezeka kwa anthu ofanana omwe sanathenso kulandira chithandizo cha umoyo chifukwa chakuti udindo wawo wodalirika watha. Kuonjezera apo, ndondomeko ya thanzi silingayesetse munthu wamkulu kuti azilipiritsa ndalama zowonjezera zaumoyo kusiyana ndi ena omwe akudalira zaka zomwezo.
Koma m'misika yamagulu ndi yaing'ono, ACA imaika zaka zomwe zikuwonjezeka ali ndi zaka 21, choncho munthu wamkulu wazaka zoposa 21 adzawononga ndalama zambiri kuposa ndalama zazing'ono.
Mipingo yatsopano ya msonkho kwa achinyamata akuluakulu
Imodzi mwazinthu zosadziŵika bwino za inshuwalansi yothandizira inshuwalansi ndizofunika kuti phindu likhale lopanda ntchito. Ngati inshuwalansi yaumoyo yanu imadola $ 15,000 pachaka (ndalama zanu ndi zina mwa abwana anu), simukulipira msonkho pa $ 15,000. Izi ndi zosiyana ndi anthu omwe amagula inshuwalansi yawo ya umoyo, omwe akukumana ndi malamulo ambiri okhudzidwa chifukwa cha kuchepetsa msonkho wa inshuwalansi yawo ya umoyo .
Pansi pa Care Careable Act, phindu limeneli limaperekedwa kwa achinyamata akuluakulu mpaka zaka 26. Ngati ogwira ntchito akusankha kubisa ana awo akuluakulu mpaka zaka 26, ubwino wa inshuwalansi ya umoyo wothandizira wachinyamata akuchotsedwa ndalama. Zopindulitsa izi zikupitirira mpaka kutha kwa chaka chokhomerera chimene wamkulu wamkulu akutembenukira 26 (olemba ena amasankha kulola ana achikulire kuti akhalebe mu ndondomeko mpaka kumapeto kwa chaka chomwe amapeza zaka 26, m'malo mowasiya pa dongosolo posakhalitsa pamene atembenuka 26).
- Phindu la msonkho linayamba kugwira ntchito pa March 30, 2010, kuti likhalepo pomwe ACA inakhazikitsidwa.
- Phindu la msonkho likugwiranso ntchito kwa anthu omwe ali oyenerera kubweza inshuwalansi ya umoyo paokha pa msonkho wawo wa boma . Inshuwalansi ya umoyo si nthawi zonse yomwe imachotsedwa msonkho, koma anthu odzigwiritsira ntchito angathe kutenga ndalama zawo zopanda malire popanda kuchitapo kanthu. Zikatero, amaloledwa kupereka ndalama kwa ana achikulire omwe akutsatira ndondomeko yawo mpaka zaka 26.
Chotsatira
Achinyamata okwana 6.1 miliyoni (a zaka zapakati pa 19 ndi 25) adalandira chithandizo pansi pa ACA kumayambiriro kwa chaka cha 2016. Oposa theka la iwo analandira chithandizo kuyambira pamene mgwirizano , ndalama zothandizira ndalama , komanso kuwonjezereka kwa Medicaid kunayamba kugwira ntchito mu 2014. Koma achinyamata mamiliyoni 2.3 adapeza chithandizo pakati pa 2010 ndi 2013, chifukwa cha thandizo la ACA lomwe linawalola kuti akhalebe pulogalamu ya inshuwalansi ya thanzi la makolo kufikira zaka 26.
Ndipo ngakhale kuti Trump Administration ndi a Republican lawmakers adakakamiza kuti abwezeretse ACA, kupereka mwayi kwa achinyamata kuti akhalebe pazinthu zaumoyo za makolo awo kulimbikitsidwa kwa bipartisan ndipo mosakayikira kukhalabe patsogolo kupita, mosasamala kanthu kuti pali kusintha kwina kulikonse ku ACA (monga kumayambiriro kwa chaka cha 2018, kusintha kokha kosintha malamulo kwadodometsedwa ndi udindo wokhawokha, womwe uli wa 2019;
> Zotsatira:
> Health CalCPA. Kumvetsetsa Premium Rating Pogwiritsa Ntchito Zabwino Care Act. December 1, 2015.
> CMS.gov. Pulogalamu ya Odziwitsa Anthu ndi Kuyang'anira Inshuwalansi. Achinyamata Achikulire ndi Ntchito Yopindulitsa Yothandiza: Kuteteza Achinyamata Achikulire ndi Kuthetsa Mitengo pa Mabanja ndi Amalonda.
> HHS.gov. Anthu mamiliyoni makumi asanu ndi awiri adapeza inshuwalansi yathanzi chifukwa cha mtengo wapatali wa Care Act, mawonedwe atsopano. March 3, 2016.