Intsholongwane enkulu yempilo yonyango yintlobo yonyhorensi yezempilo ejongene neendleko ezinxulumene nokugula okanye ukulaliswa esibhedlele.
Intsholongwane enkulu yempilo yonyango yinto yesigama esasetyenziswa ngokubanzi ekuchazeni izicwangciso zezempilo ezipheleleyo ezijolise ngononophelo olufunekayo. Emva kokuba uMthetho woNonophelo ongenakuncediswa uqalisiwe, igama elithi "ubuncinci bokubaluleka kubalulekile" lusetyenziswa rhoqo endaweni yoko.
Ubuncinane bokubhengezwa kwemfuneko yinto ekufuneka uyenayo ukuze ugweme isohlwayo se-ACA yokungaqiniseki , kwaye zonke izicwangciso ze-inshorensi zempilo zonyango zibala njengento encinci yokunika ingxelo.
Intsholongwane yezeMpilo
Intsholongwane enkulu yempilo yonyango kwimigqaliselo yomntu yinto abantu abaya kubajonga ngayo "yinyhorensi yempilo" yangempela. Akubandakanyi izicwangciso ezixhamlayo, izicwangciso zamazinyo / umboniso, izibonelelo zengozi, i -inshorensi yexesha elifutshane , okanye izicwangciso zokugula eziphambili, akukho nanye elawulwa nguMthetho woNonophelo onoxanduva.
Izicwangciso ezinkulu zonyango zihlala ziba nexabiso elibekiweyo, okanye i- deductible , isigulane esinembopheleleko yokuhlawula. Xa loo deductible ihlawulwa, isicwangciso siphepha ininzi yeendleko zokuhlala zonyango, ngokuxhomekeke kwi -inshurensi ehlawulwa ngumguli. Ezinye izicwangciso nazo zihlawulela enye inkonzo.
Izicwangciso ezinkulu zonyango ziya kukhangela kwakhona ukukhutshwa kwakho ngaphandle kweenkonzo kwi-network.
Ngo-2018, zonke izicwangciso ze-ACA ezihambelanayo kufuneka zifake iindleko ze-pocket zangaphandle (kwiimfuno zezempilo eziyimfuneko) ezingekho ngaphaya kwamaRandi 7,350 ngamnye kunye ne-14,700 zamawaka kwintsapho.
Izicwangciso ezinkulu zonyango ezingenayo i- ACA-enyanzelisayo (oko kukuthi, izicwangciso eziphezulu kunye nezikhulu) zinokuba nemingcele ephezulu ye-pocket, kodwa kuya kuba yinto engavamile kakhulu ukuba ezi zicwangciso zibe neendleko ezingenamkhawulo-mali-mali (qaphela ukuba imveli I-Medicare , ngaphandle kokuncedisa iMedigap , ayinayo ikhefu kwiindleko zangaphandle, kodwa oku akusiyo imodeli yokuba i-inshurensi yabucala ilandela).
Izicwangciso ezinkulu zonyango zingaba zikhulu kakhulu, kodwa zibandakanya izicwangciso zezempilo ezichithwayo eziphezulu, kunye nezicwangciso ezinobungozi njengoko kuchazwe yi-ACA.
Unokufumana phi Umlinganiselo Ophezulu Wonyango?
Ubunikezelo obusuka kumqeshi wakho mhlawumbi unobungozi obuphezulu bomshuwalense wezempilo. Ukuba usebenzela umqeshi omkhulu, kufuneka banikezele ngokukhawuleza okubonelela ngexabiso elincinci ukwenzela ukuthobela igunya lomqeshi we-ACA. Isicwangciso esibonelela ngexabiso elincinci ngokuqhelekileyo liyakuqwalaselwa ngokugqithiseleyo, njengokuba kuya kubanzi.
Naliphina isicwangciso esithengayo kwintsebenziswano kwimeko yakho iya kuthathwa njengeyona nkcazo enkulu yonyango. Izicwangciso zokungatshintshiyo kunye nazo ziyizicwangciso ezinkulu zonyango, nje kuphela xa zihambelana ngokupheleleyo ne-ACA (zonke izicwangciso ezintsha zonyango kufuneka zibe yi-ACA-ivumelaniswe ukususela ngo-2014, kubandakanywa ezo zithengiswa ngaphandle kweengxoxo. , kwaye izicwangciso zexesha elifutshane zisenokungathengiswa ngaphandle kweengxoxo; ezi zicwangciso azilawulwa yi-ACA kwaye aziqwalaselwe njengeyona nkcazo enkulu yonyango).
Ukuba uthenge ukuthengwa kwintsebenziswano kwimeko yakho, unokufumana ilungelo lokufumana inkxaso-mali ye- premium ukuze uhlawule indleko yokuthenga uncedo olukhulu lwezonyango.
Ngo-2018, ukufaneleka koxhaswa kwintsapho yesine kufikelela kwimali yekhaya njengama-$ 98,400 (ukufaneleka kufakwe kwipesenti ezingama-400 zentlupheko; le tshatari ibonisa oko kufikelela kwiidola ezahlukeneyo zentsapho; ayifumanekanga ukuba ingeniso yakho ingaphantsi kwinqanaba lentlupheko, okanye ukuba ufanelekile kwiMedicaid).
I-Medicare kunye nezicwangciso ezininzi zeMedicaid zibala njengento encinci yokubhengezwa, kwaye ngoko ke ingacingwa njengezicwangciso ezinkulu zonyango (abanye abantu abafanelekile ukufumana inkxaso-mali ye-Medicaid-Medicaid ehlanganisa kuphela iinkonzo ezinxulumene nokukhulelwa, umzekelo-kwaye oku akunakucingelwa ukubaluleka okubalulekileyo okanye ukukhutshwa kwezonyango ezinkulu).
Izicwangciso zempilo ezizukulu kunye nezobukhulu zibala nje ngeyona nkcazelo enkulu yonyango, nangona ayinakuthengwa. Kodwa ukuba unako ukufumana ingqalelo phantsi kwezi zicwangciso, unobuncinci obufunekayo obuncinci (kunye nenkcazo enkulu yezokwelapha), kwaye ayingekho phantsi kwesigwebo se-ACA. Izicwangciso ezinokuzala zihlala zisebenza ngokusisigxina, ngokude nje zizingatshintshi. Izicwangciso ezizikhulu zihlala zihlala kude kube ngoDisemba 31, 2018, ngokuqonda kwamazwe kunye nabatshutshisi.
> Imithombo:
Amaziko e-Medicare kunye neenkonzo zeMedicaid; Iziko loLwazi loThengi kunye noLawulo lweNtshuwalense. IiNgcaciso zeMishuwalense yeBluelet Bulletin - IINKCUKACHA - Ukwandiswa kweMigaqo yeTshintsho ngoNyaka weKhalenda 2018 . NgoFebruwari 23, 2017.
> HealthCare.gov. Umgangatho oPhantsi oPhambili (uMEC).