Kuchepetsa Kugawana Ndalama Kudzakalipobe mu 2018, Ngakhale Kufunkhidwa
Pa October 12, 2017, Dipatimenti ya Trump inalengeza kuti ndalama zothandizira kuchepetsa ndalama (CSR, zomwe nthawi zina zimatchedwa kugawana ndalama zogulira mtengo) zidzatha nthawi yomweyo. Anthu omwe amagula inshuwalansi ya umoyo pa msika pawokha ayenera kuti amadera nkhaŵa za chilengezocho, akudabwa ngati kupezeka kwawo kapena / kapena thandizo lingakhalepobe mu 2018.
Choncho tiyeni tiwone zomwe zinachitika ndi zotsatira zake. Poyamba, zonsezi zimachitika pamsika wa inshuwalansi, komwe anthu okwana 17.6 miliyoni a ku America amapeza inshuwalansi yawo ya umoyo. Ngati mutenga chithandizo kuchokera kwa abwana anu, kapena kuchokera ku Medicare kapena Medicaid, vuto la ndalama la CSR silikukhudzani inshuwalansi yanu ya thanzi.
Koma kwa iwo omwe ali ndi inshuwaransi yaumwini, tiyeni tiwone zomwe tingayembekezere:
Kugawidwa kwa Zothandizira Zogulitsa Zidzakhalapobe mu 2018
Chinthu chofunika kwambiri kuti mumvetsetse ndikuti CSR idzapezekabe mu 2018 . Kuyambira mu February 2017, panali anthu 10,3 miliyoni omwe analembetsa inshuwalansi za umoyo ku United States, ndipo 57 peresenti ya iwo anali kupindula ndi CSR, ndipo anali ndi ndalama zochepa zomwe anali nazo popanda CSR. Mapindu amenewo adzapitirira mu 2018.
84 peresenti ya olembetsa olembetsa akulandira ndalama zothandizira , zomwe siziri chimodzimodzi ndi CSR.
Ndalama zothandizira ndalama zowonjezereka zimachepetsa ndalama zomwe muyenera kulipira mwezi uliwonse kuti mupereke chithandizo chanu, pamene CSR imachepetsa ndalama zomwe muyenera kulipira pamene mukufunika kugwiritsa ntchito inshuwaransi yanu kuti mulipire chithandizo chamankhwala. Anthu ambiri amalandira thandizo la premium kuposa CSR chifukwa malire a malipiro a premium ndi apamwamba, ndipo CSR imapezeka pokhazikitsa ndondomeko zasiliva , pomwe ndalama zowonjezera zingagwiritsidwe ntchito pazitsulo zamkuwa, siliva, golide, kapena platinum .
Ngakhale mitu yonseyi mu 2017, ndipo ngakhale kuti Ulamuliro wa Trump wadula ndalama za CSR, palibe chosinthika chokhudzana ndi kuyenerera kwa CSR kapena thandizo la premium. Zonse ziwiri zidzapitirira kupezeka kwa olembetsa onse oyenerera mu 2018.
Njira yokhayo ndalama zoperekera ndalama zingathe kupezeka zikanakhala ngati onse omwe akutsata malonda omwe akukhala nawo m'deralo adachoka pamsika, ndipo kufotokozera komweku sikungapezeke. Izo siziri kunja kwa funso, koma izo sizinachitikebe mmadera aliwonse a dzikoli. Ogwirizanitsa amayenera kuchita nawo mgwirizano wa federally (HealthCare.gov, womwe umagwiritsidwa ntchito m'mayiko ambiri) pa September 27, koma mgwirizano wawo uli ndi chigamulo chotsatira chomwe chimawalola kuti achoke pamsonkho ngati ndalama za CSR zidula.
Msonkhanowu udalengezedwa pa Oktoba 12, koma mabungwe a mabungwe ambiri a boma adakhazikitsa ndalama zawo zokwana 2018 poganiza kuti ndalama zidzathetsedwa. Ndipo mabungwe a inshuwalansi muzinthu zina adapatsidwa mawindo afupipafupi omwe angathe kuwonetsa mitengo ndi mtengo wa CSR wowonjezeredwa ku msonkhanowu. Izi zimathandiza kuti asungitsi asatuluke pamsika, chifukwa akhoza kuthetsa kusowa kwa ndalama za federal ndi ndalama zapamwamba, zomwe zambiri zimangotengedwa ndi ndalama zowonjezereka.
Nanga N'chiyani Chikuchitika pa Zomwe Zimayambira mu 2018?
Chiwerengero cha ndalama zoyendetsera malonda chidzakhala chapamwamba mu 2018 kuposa momwe zikanakhalira ngati ndalama za CSR zakhala zikuchitidwa ndi boma la federal kumayambiriro kwa 2017. Kulibe ndalama za CSR zikuwoneka ngati zikuwerengera pafupifupi theka la kuchuluka kwa chiwerengero cha chiwerengero cha 2018, ngakhale kuti zotsatira zake zidzakhudzidwa kwambiri ndi ndondomeko zasiliva, ndipo makamaka zidzakumbidwa ndi boma la federal monga mawonekedwe akuluakulu othandizira ndalama.
Kuchokera kwa ndalama za CSR kunalengezedwa mu Oktoba, koma kusatsimikizika kuti izi zikanati zichitike zidachitika chaka chonse.
Ogwiritsira ntchito inshuwalansi poyamba adatulutsa mitengo ya 2018 kumbuyo kwa chaka cha 2017, ndipo olamulira a boma akhala akuwongolera. Nthaŵi zambiri, mabungwe a inshuwalansi adasintha maulendo atsopano m'nyengo yachilimwe, ndipo chimodzi mwa kusintha kwakukulu kunali kuwonjezera mtengo wa CSR ku malipiro, chifukwa panalibe kudzipereka kwa boma kuti lilipereke ndalamazo.
Mukhoza kuona mafilimu angapo, kuphatikizapo actuarial memos omwe amadziwika bwino chifukwa cha kusintha kwake, pa ratereview.healthcare.gov (sankhani "ACA mankhwala ogwirizana," kenako sankhani malo anu ndipo muyike January 1, 2018 m'ma bokosi onse oyambirira ndi omaliza pa tsiku lothandizira, popeza mitengo yonse ya 2018 ikugwira ntchito pa January 1). Kuyang'ana pa mlingo wamakono kukupatsani malingaliro abwino a zinthu zomwe zikuyendetsa galimoto kwa 2018. Kusatsimikizika za ndalama za CSR ndi gawo lalikulu la chithunzichi. Ndipo makamaka potsata ndondomeko yomwe idatchulidwanso m'nyengo ya chilimwe, inshuwalansi analikusowa kuganiza kuti ndalama za CSR sizikanatha kupitiliza, ndipo zidawongolera mtengo wawo.
Sizinthu zonse zomwe zimaloleza izi, komabe, ena ndi mabungwe a inshuwalansi akhala akungoyendetsa ndalama kuti asinthe malonda pamapeto omaliza. Koma kudula malipiro sikudatuluke mu buluu, ndipo ambiri a inshuwalansi anali atakonzekera kale ndi mitengo yomwe adawatumiza mu 2018.
Pamene Zowonjezera Zowonjezereka, Kodi Izi Zikutanthauza Chiyani Zothandizira Pulezidenti?
Nthaŵi zambiri, mabungwe a inshuwalansi awonjezera mtengo wa CSR ku malipiro a zasiliva, popeza mapulani a siliva ndiwo okhawo omwe ali ndi CSR. Njira imeneyi imateteza ogulitsa ambiri ku zotsatira za boma la federal kudula ndalama za CSR, chifukwa potsirizira pake zimangowonjezera ndalama zothandizira ndalama zowonjezera ndalama (ndalama zothandizira ndalama zimachokera ku mtengo wa siliva wachiwiri-wotsika mtengo m'madera onse, monga siliva Zopangira ndalama zimakwera, kotero chitani thandizo).
Choncho ngakhale kuti Trump Administration ikutseketsa ndalama za CSR, boma lidzagwiritsa ntchito zambiri potsata ndalama zopereka ndalama zowonjezera kuposa momwe angapulumutsire pa CSR.
Malinga ndi ndondomeko ya bungwe la Congressional Budget Office ya August 2017, kufotokozera zotsatira za kudula ndalama za CSR, kuchepa kwa boma kudzawonjezeka ndi madola 194 biliyoni pa zaka 10 zikubwerazi, chifukwa cha ndalama zowonjezera ndalama zambiri komanso kuchuluka kwa anthu omwe angapereke ndalama zothandizira ndalama (monga ndalama zowonjezera ndalama, anthu ambiri amafunikira thandizo kuti athandizidwe ndalama zowonjezera patsiku la ndalama zawo zomwe zimawerengedwa kuti zingakwanitse).
Kodi Ndiyenera Kuchita Chiyani Pa Nthawi Yowamba Kulembetsa?
Ulamuliro wa Trump wadula ndalama za CSR, ndipo zotsatira zake zidzakhala zapamwamba kwambiri pa ndalama za federal pamalipiro apamwamba. Koma ogula pamsika pawokha adzafunika kumvetsera mwatcheru zolinga zomwe zilipo mu 2018, potsatila ndi kusinthanitsa.
Mapwando apamwamba chifukwa cha CSR kuchotsa ntchito makamaka amagwiritsidwa ntchito pa mitengo ya ndalama, koma osati nthawi zonse. Ku Indiana ndi Colorado, ndalama zowonjezereka zikufalikira pazitsulo zonse zazitsulo, osati zokonza za siliva; pali zigawo zina kumene bwana aliyense amayendetsa njira yosiyana, zomwe zikutanthauza kuti munthu wina wothandizira angakhale atafalitsa ndalamazo pazinthu zonse, pamene wina wa inshuwalansi adasankha kuzigwiritsa ntchito pokhapokha pazinthu zasiliva.
Kwa anthu omwe amalandira ndalama zothandizira ndalama , ndalamazo zidzachotsa zonse kapena kuwonjezeka kwapadera. Zothandizira zapadera zimapitirira 400 peresenti ya umphawi, womwe uli $ 48,240 kwa munthu mmodzi mu 2018, ndi $ 98,400 kwa banja la anayi.
Koma zidzakhalabe zofunikira poyerekezera sitolo panthawi yolembera. CSR imapezeka pokhapokha mutasankha ndondomeko ya siliva, koma CSR imapezeka kwa anthu omwe ali ndi ndalama zokwana 250 peresenti ya umphaŵi ($ 30,150 kwa munthu mmodzi, ndi $ 61,500 kwa banja la anai mu 2018). Ngati muli oyenerera CSR, makamaka ngati ndalama zanu ziri pansi pa 200 peresenti ya umphaŵi, mutha kusankha zosankha za siliva kuti mupeze madalitso a CSR.
Komabe, ngati simukuyenera CSR koma ndinu oyenerera thandizo la premium (mwachitsanzo, ndalama zanu zili pakati pa 250 peresenti ndi 400 peresenti ya umphawi), mukhoza kupeza kuti dongosolo lamkuwa kapena golidi lidzapereka phindu labwino 2018.
Ndi chifukwa chakuti ndalama zoyendetsera ndalama zowonjezereka zidzakhazikitsidwa pa mtengo wa ndalama, zomwe zidzakula ndi kuchuluka kwa nthawi zambiri kuposa zolinga zazitsulo ndi golide zomwe zimapezeka kumalo omwewo. Koma ndalama zothandizira ndalamazi zingagwiritsidwe ntchito kugula mapulani pazitsulo zilizonse zazitsulo-osati zokhazokha za siliva. Izi zimapanga ndondomeko ya mkuwa ndi golide (ndi platinum zolinga, kumalo kumene zilipo).
Nthawi zina, ndondomeko zasiliva zidzakhala zodula kwambiri kusiyana ndi ndondomeko za golide, zomwe zidzawathandize kukhala osapindulitsa kwambiri kwa anthu omwe sapeza CSR, popeza mapindu a mapulani a golide ali oposa mphamvu za zopanda ndalama za CSR .
Kwa anthu omwe salipatsidwa ndalama zothandizira payekha , zidzakhala zofunikira kuwona momwe ndondomeko iliyonse yazitsulo ikufananirana ndi wina ndi mzake. Ngati ndondomeko ya siliva imatha kukhala yokwera mtengo kusiyana ndi mapulani a golide m'deralo, zimakhala zomveka kusankha ndondomeko ya golide m'malo mwa ndondomeko ya siliva (kapena ndondomeko ya mkuwa, yomwe idzakhala yotsika mtengo).
Ndipo anthu omwe ali ndi mgwirizano wa ACA wovomerezeka kunja kwa kusinthana (ie, kugula mwachindunji ku kampani ya inshuwalansi, m'malo mwa kusinthanitsa) adzafunikanso kumvetsera nkhaniyi. Mapulani a ndalama zogulitsira ndalama m'madera ambiri (ndi njira zosinthana ndi zitsulo zonse monga Indiana ndi Colorado) zidzakhala ndi mtengo wa CSR wopangidwira nawo ndalama zawo. Izi zidzakhala choncho chifukwa cha mapulani osinthanitsa omwe akugulitsanso kusinthana, chifukwa mtengo uyenera kukhala wofanana ndi dongosolo lomwelo, mosasamala kanthu kuti ilo likugulitsidwa mwa kusinthanitsa kapena mwachindunji kwa ogula.
Mawu Ochokera
Mitu yokhudza kusintha kwa zaumoyo yakhala ikuchitika mu 2017, ndipo kulengeza kuti ndalama za CSR zidzatha nthawi yomweyo zakhala zikudetsa nkhawa anthu omwe akugula inshuwalansi yawo ya umoyo.
Koma pamene ndalama za CSR zatha, kupezeka kwa CSR palokha sikunasinthe. Ndalama zoyambilira zapadera zidzapitilizanso kupezeka mu 2018, ndipo zidzakhala zazikulu kuposa momwe zikanakhalira ngati ndalama za CSR zakhazikitsidwa kale mu 2017.
Chifukwa cha ndalama zothandizira ndalama zambiri, ogula ambiri adzatetezedwa kuwonjezereka kwa kuwonjezeka komwe kuli kofunikira kuti apeze mtengo wa CSR. Koma zidzakhala zofunikira kuposa kale kuti ogula malonda awo onse-osasinthanitsa-osasinthanitsa-kuti ayerekeze mosamala njira zomwe zilipo panthawi yolembetsa, pozindikira kuti kulembetsa kulembetsa kudzakhala kofupikitsa kuposa momwe zinaliri zaka zapitazo .
Ngati mukufuna thandizo kuti mudziwe zolinga zakusankha, pitani kwa woyendetsa ndege kapena broker kumudzi wanu, kapena kuitanitsa kusinthanitsa kwanu (kuyamba ku HealthCare.gov, ndipo ngati dziko lanu liri ndichitsulo chake, mudzatsogoleredwa apo pamene musankha dziko lanu).
> Zotsatira:
> Magulu a Medicare ndi Medicaid Services. 2017 Snapshot yolembedweratu . June 12, 2017.
> Congressional Budget Office. Zotsatira za Kuthetsa Malipiro Ochepetsa Kugawana Ndalama . August 1, 2017.
> Mark Farrah Associates. Kuwoneka Mwachidule Pa Inshuwalansi Yaumphawi Yodzipha Malonda. July 19, 2017.