Ukuxhaswa kwe-Subsidy kukuninzi kwimali engenayo, kodwa ingaba nzima
Iikhredithi zerhafu ye-premium-ezikwaziwa njengezibonelelo-ziyinxalenye eyintloko "yexabiso elithengekayo" inxalenye yoMthetho wokuNakekelwa ongenakuncedo. Ngona-nxalenye enkulu, bafumaneke kumakhaya aphantsi kunye nabangaphakathi-mali abathengisa i-inshurensi yabo yempilo, kwaye baqinisekisa ukuba iipriyam ziyahlukileyo zibhekwa zibiza.
Kodwa enyanisweni, kunzima kakhulu kunoko.
Ungasebenzisa i-calculator yenkxaso-mali jikelele okanye i-calculator yenkxaso efumanekayo kwi-Healthcare.gov okanye kwindawo yeshintshintshi yelizwe, kodwa ngokuqinisekileyo kukho imibuzo malunga nabakufanelekileyo nabangenayo, kunye nendlela ababalawuli be-subsidy abavela ngayo ngeziphumo zabo.
Ulungelelwano olungaphezulu kweNgeniso
Nangona imali engenayo iyona nto ebalulekileyo ekuqaliseni ukufaneleka, kukho ezinye iimeko eziqwalaselwa. Kumele ube khona ngokusemthethweni e-US ukwenzela ukuthenga ukuthengwa nge-exchange-subsidized or not.
Kwaye ukuze ukwazi ukufumana inkxaso-mali, awukwazi ukufikelela kwisicwangciso sezempilo esixhaswe ngumqeshi esibonelela ngexabiso elincinci kwaye libhekwa njengexabiso elifanelekileyo. Ngonyaka we-2016, "ukuhlawuleka" kuchazwa njengengxelo engabonakali ngaphezu kwe-9,6 ekhulwini yengeniso yekhaya (oku kuya kunyuka kancane, ukuya kuma-9.69 ekhulwini, ngo-2017).
Kodwa kubalulekile ukuqonda ukuba olu vavanyo luya kusebenza kwi-premium yomqeshwa.
Ukuba ukubonelelwa kwintsapho kufumaneka ngecebo elixhaswe ngumqeshi, i-premium leyo yokuhlawula imali echithwe kuyo yonke intsapho ayiqwalaselwe xa ichonga ukuba isicwangciso esixhaswe ngumqeshi sinakho.
Ngoko ukuba i - premium yomqeshwa ingaphantsi kwe-9.66 yepesenti yemali engenayo, kwaye ukuba isicwangciso somqeshi sifumaneka kwintsapho yonke, yonke intsapho ibonwa ukuba inokufikelela kwi-inshurensi yempilo exhaswe ngumqeshi ". banelungelo lokufumana inkxaso-mali kwinkcazo), nangona i-premium yentsapho yonke ingaba ngaphezu kwe-9.66 pesenti yengeniso.
Isithintelo esincinci seNkxaso-mali echazwe nguRhulumente
Xa i-ACA ibhaliwe, icebo lalingenalo ukufaneleka kweMedicaid kuwo wonke urhulumente ukwenyuka ukuya kuma-138 ekhulwini kwinqanaba lobuhlwempu ukususela ngo-2014, kunye neenkxaso-mali ze-premium ukuqala kuloo mbundu kwaye zandise kuma-400 ekhulwini kwinqanaba lehlwempu. Okubalulekileyo, wonke umntu onemivuzo esuka kwi-zero ukuya kuma-400 ekhulwini lobuhlwempu uya kufumana ukufikelela kwezempilo.
Kodwa xa iNkundla Ephakamileyo yamgweba ngo-2012 ukuba amazwe angaphuma ekunyuseni iMedicaid, kubangele iingxaki. Kwakungekho nalungiselelo kwi-ACA yokwandisa inkxaso-mali engaphantsi kweepesenti ezingama-100 zentlupheko, kwaye kunjalo kunjalo (ngokukodwa, kwakuyi-glitch yoyilo eyenza ukuba umnqweno ongezantsi ufumane imvume yokufumana inkxaso ye-100% yentlupheko-endaweni I-138% yamahlwempu-ekuthiwa ekugqibeleni ayizange ikhulise iMedicaid).
Ukususela ngoJulayi ngo-2016, kukho i-19 echaza apho ukwandiswa kweMedicaid kungazange kusebenze. Ukwandiswa kwaqala ukusebenza eLouisana ngoJuni 2016, kodwa ngenye indlela, imephu yokwandisa i-coverage ibonakala ifana nayo kwangoko ekupheleni kuka-2015.
I-Wisconsin inikezela ngeengxelo zeMedicaid kumntu wonke onomvuzo ukuya kuma-100 ekhulwini kwintlupheko, kodwa kwezinye i-18 zithi, kukho i- gap yokungabikho kwabantu abadala abanemali engaphantsi kwezinga lehlwempu-bafaneleke kuphela kwiMedicaid ukuba bafanelekile ngokusekelwe kwiimeko zabo ezikhoyo , ngokuqhelekileyo kunqongqo, izikhokelo, kwaye abafanelanga ukufumana inkxaso-mali yeprayimenti ukuba iimali zabo zasekhaya zingaphantsi kwezinga lehlwempu.
Kuloo ndawo apho iMedicaid ingakwandiswa khona , ukufaneleka kwemali ye-premium kuqale kwizinga lehlwempu. Ngo-2016, loo nto i-$ 11,880 yeyodwa kunye ne-24,300 yezigidi kwiintsapho ezine. Abantu abangaphantsi kweli nqanaba lokufumana imali abanakho ukufikelela ngokukhawuleza kokufikelela kuzo zonke.
Kwiindawo apho iMedicaid ikhulisiwe khona , ukufaneleka kwemali ye-premium iqala ngemali engaphezulu kwe-138 ekhulwini lezinga lehlwempu. Ngo-2016, loo nto yi-16,394 yeeyure enye kunye ne-33,534 yeenqwelo-mali zentsapho ezine. Abantu abanemali engezantsi kweli nqanaba banelungelo lokufumana iMedicaid.
Ziziphi izikhokelo zentlupheko zonyaka ozenzayo?
Enye inkalo yokubala okungadidekayo kukuqinisekisa ukuba yeyiphi imigaqo-nkqubo yokuphulukana neentlupheko zonyaka kufuneka isetyenziswe.
Unyaka ngamnye, urhulumente wephondo uhlaziya izikhokelo zezinga lehlwempu ekupheleni kukaJanuwari. Kubalulekile ukuba uqaphele ukuba kukho iitafile ezintathu ezihlukeneyo: enye ye-DC kunye namazwe angama-48 adibeneyo, enye i-Alaska, kunye neyesithathu eHawaii (ngoko kulungelelaniswa kwe-subsidy eHawaii nase-Alaska kufikelela kwimali ephezulu kuneyona yonke ilizwe , kunye nokufaneleka kweMedicaid kufikelela kwinqanaba eliphakamileyo kulawo mazwe, njengoko bobabini banwebe iMedicaid).
Ngokukhawuleza ukuba kuvele izikhokelo zentlupheko entsha, zisetyenziselwa lonke unyaka-kwaye zize zikhutshwe izikhokelo zonyaka ozayo-ukucacisa ukufaneleka kwe-Medicaid ne-CHIP.
Kodwa ukulungelelanisa inkxaso ye-premium, asiqali ukusebenzisa izikhokelo zentlupheko entsha ukuya kweso saziso sokuqala. Kunoko, siyaqhubeka sisebenzisa izikhokelo zezinga lobuhlwempu ezazisendaweni xa ukubhaliswa okuvulekileyo kunyaka okhoyo kuqala. Ngokomzekelo, izicwangciso ngeentsuku ezifanelekileyo zango-2016 zafumaneka xa kuthengwa xa ukubhaliswa okuvulekileyo kuqalile ngoNovemba 1, 2015. Ngelo xesha, izikhokelo zamanqanaba ezi ntlupheko zikhoyo ngo-2015. Ngoko ziyaqhubeka zisetyenziselwa ukuchonga ukufaneleka koxhaswa kuzo zonke izicwangciso 2016 imihla efanelekileyo.
Oku kuthetha ukuba ubhalisa kwisicwangciso ngo-2016 umhla osebenzayo ngenxa yesiganeko esifanelekileyo , ukufaneleka kwakho inkxaso kuya kuxhomekeka kwindlela umvuzo wakho owufanisa ngayo nezikhokelo zentlupheko ka-2015 (oko kukuthi, inkxaso ayiyi kufumaneka intsapho yabathathu ukuba ingeniso yabo ingaphezu kwama-80,360, okuyi-400 ekhulwini kwinqanaba lokuhlupheka).
Xa ubhaliso oluvulekileyo luqala ngokuwa kwe-2016 kwizicwangciso eziphumelelayo ngo-2017 , ukutshintshisana kuya kutshintshela kwizikhokelo zentlupheko ye-2016 ezikhutshwe ngasekupheleni kukaJanuwari 2016. Kodwa ngo-Novemba, ukubhaliswa kuya kusafumaneka ngomhla kaDisemba 2016 owenziwa ngabantu abhalisa ngenxa yesiganeko esifanelekileyo. Kubo, iinombolo zamanani entlupheko ka-2015 ziya kusetyenziswa.
Ingqungquthela yeNzuzo ephezulu-mboleko ixhomekeke kwiNkqubo Yakho Yindleko
Inkxaso-mali ye-Premium ifunyanwe ngokucacileyo ukuba ibhalise abantu abangenayo ukuya kuma-400 ekhulwini lobuhlwempu. Kodwa oko akuthethi ukuba bonke abhalise kunye nemali ukuya kweso sibalo banelungelo lokufumana inkxaso-mali ye-premium.
Kungenxa yokuba inkxaso-mali ye-premium yenzelwe ukugcina iindleko zesicwangciso seSilivithi esezantsi-ixabiso eliphantsi kakhulu okanye ngaphantsi kwepesenteji ezinikwe ngaphambili. Ingeniso yeengeniso (ipesenteji iyahluka kuye kuxhomekeke kwingeniso yakho), ukucinga ukuba imali yabo engenayo ayidluli kuma-400 ekhulwini kwinqanaba lehlwempu.
Kodwa ukuba i-premium engabonakaliyo yesicwangciso seSilivithi esezantsi ephantsi kakhulu efumanekayo kuwe isele iphantsi kweleyo pesenti elandelwe ngaphambili, akukho ncediso efunekayo. Le meko iyakwenzeka ngokukodwa xa abantu behlala kwiindawo ezine-inshorensi yezempilo ezincinci, kunye nabafakizicelo abatsha. Ngoko akuqhelekanga ukuba abantu abatsha bafumane ukuba abafanelanga ukufumana inkxaso-mali ye-premium nangemali engenayo engaphantsi kwama-400 ekhulwini lobuhlwempu.
Zonke iiNkxaso kufuneka zihlaziywe xa uthumela ifayile yakho yeRhafu
Iinkxaso-mali ze-Premium ziyaziwa ngokuba yi-APTC). Kungenxa yokuba inkxaso-mali inkokhelo yerhafu, kwaye ukuba ihlawulwa kwi-inshorensi yakho yezempilo yenyanga nganye ukunciphisa imali ofuneka uyihlawule kwiiprayimari, ihlawulwa kwangaphambili, kunokuba ityala ixesha lokufakela irhafu.
Iingxowa zerhafu ngokuqhelekileyo azikwazi ukufunwa de uze ufake ifayile yakho emva kokuphela konyaka, kodwa loo nto ayiyi kusebenza kakuhle kweli phepha kuba abantu abaninzi bafumana iiprayimari zabo zenyanga ezingenakulungiswa ngaphandle kwe-APTC.
Ukuba i-APTC ihlawulelwa egameni lakho kunyaka, wena-kunye ne-IRS-baya kufumana ifomu 1095-A ukusuka kwintsebenziswano ngoJanuwari. Uza kusebenzisa ulwazi kule fom ukudibanisa i-APTC yakho kunye nekhredithi yerhafu ye-premium apho unelungelo lokwenene, xa umvuzo wakho ugqityiwe kunyaka.
Imithombo:
ISebe lezeMpilo kunye neNkonzo zoLuntu, i-Ofisi yoNcedisi uNobhala weCwangciso kunye noVavanyo, iziKhokelo zoLobuhlwempu njenge-1/25/2016.
INkonzo yeNgeniso yangaphakathi, iNkqubo yeNgeniso 2014-62 .
INkonzo yeNgeniso yangaphakathi, iNkqubo yeNgeniso yeNgeniso 2016-24 .