Nangona igama elithi Obamacare litshitshiswa ngokubanzi kwaye wonke umntu ubonakala enombono malunga nokuba kulungile okanye kakubi, akubona wonke umntu oqonda kakuhle oko u-Obamacare.
Ngaba luhlobo lwe-inshorensi yezempilo ongayibhalisela njenge-Blue Cross okanye i-United Healthcare? Ingaba yinkqubo yomshuwalense wezempilo yonyango kaRhulumente njenge-Medicare okanye iMedicaid? Ingaba kunyanzelekile ukuba unyango lwentlalo ?
Yintoni i-Obamacare?
Akukho nto kwezi zinto.
I-Obamacare yi-nickname yesethi yemithetho yokuphucula unyango lwempilo efunyenwe kuMyalelo woKhuseleko kunye noMthetho woNonophelo ojongene noThathaka. UMthetho woNonophelo olungabonakaliyo , i-ACA, i-PPACA, ukulungiswa kwezempilo kunye ne-Obamacare yonke into efanayo.
Igama elithi Obamacare lusetyenziswa ngokusesikweni ngabachasene ne-ajenda yokulungiswa kwempilo kaMongameli Obama. Kwakufuneka ukuba ibe lixesha elihlaselayo. Kodwa, kubanjwe kunye noluntu jikelele kuba kwakulula ukuthetha kunye nokukhumbuleka okungaphezulu kunokuguqulwa kwezempilo, uMthetho woNonophelo ojongene noNcedo, okanye iPACACA.
Ngoku igama elithi Obamacare alisho ukuba umsebenzisi uphambene nesethi yokwenziwa kohlengahlengiso equlethwe kuMthetho woNonophelo ongenakunciphisa. Enyanisweni, uMongameli uBabraham wamxelela ukuba uyayithanda igama elithi Obamacare; uyayikhathalela.
Ngaba Ungabhalisa kwi-Obamacare?
Ekubeni i-Obamacare yimiqathango yemigaqo nemimiselo, awukwazi ukubhalisa ngezobugcisa kwi-Obamacare ngaphezu kokuba ungabhalisa kwi-United States Tax Code.
Nangona kunjalo, ibinzana elibhalise kwi-Obamacare liye laza lithetha ukuba libhalisele i-inshurensi yezempilo ngokusebenzisa i- inshurensi yezempilo eyadalwa nguMthetho woNonophelo ojongene noNcedo. Ukubhalisa kwi-Obamacare inokuthi okanye ayinakuthetha ukufumana urhulumente uncedo lokuhlawula i-inshurensi yezempilo njengengxowa-mali ye-inshorensi ye-inshorensi.
Ngaba i-inshurensi yempilo ethengwe nge-inshurensi yempilo yomshuwalense?
Uhlobo lwawo, kodwa kungeyona nto.
Yonke imigaqo-nkqubo ye-inshorensi yempilo edayiswa nge-inshurensi yempilo yinkxaso-nkqubo yimigaqo-nkqubo edayiswa ngama-inshurensi yabucala . Ngokomzekelo, ungathenga umgaqo-nkqubo we-inshorensi yempilo esuka kuKaiser, i-Aetna, okanye iNtsholongwane yeNtsholongwane kuxhomekeka kukuphi ukhetho lwezempilo olukhoyo olukhoyo kwi-inshurensi yezempilo. Ekubeni akukho nkampani yomshuwalense wezempilo ogama lingu-Obamacare, awukwazi ukuthenga i-inshorensi yezempilo yase-Obamacare njengokuba ungathenga umgaqo-nkqubo we-inshurensi ye-Blue Cross.
Nangona kunjalo, yonke imigaqo-nkqubo ye-inshorensi yempilo efumanekayo ngokuchithwa kwe-inshurensi yempilo ihambelana nemigaqo yokuguqulwa kweempilo ezitholakala kwi-Care Act. Ngokomzekelo, bonke banikezela ukuxhaswa kwezibonelelo zezempilo eziyimfuneko ezi-10. Oku kunjalo nakwezinye izicwangciso ze-inshorensi zempilo zonyango ezithengiswa ngaphandle kweengxoxo -nangona zize ziphume ngoJanuwari 2014 okanye kamva, ezo zihambelana ngokupheleleyo noMthetho woNonophelo olunganakuncedo ngokunjalo.
Ngaloo ndlela ke, zonke iinjongo ze-inshorensi zempilo yabucala zingabonwa ngomshuwalense we-Obamacare njengoko zihambelana nokuguqulwa koMthetho wokuNakekelwa ongenakuncedo, zibandakanya iintlawulo zezempilo eziyimfuneko ezi-10, kwaye zibonelele ngexabiso elithile elincinci.
Nangona kunjalo, abayi-insamashri ye-Obamacare, abayi-Kaiser, i-Aetna, i-UnitedHealthCare, okanye nayiphi na inkampani yomshuwalense wenkampani yangasese.
Xa umntu ekuxelela ukuba unomshuwalense wase-Obamacare, awukwazi ukuxelela uhlobo luni ye-inshurensi abanayo ngaphandle kokufumana ulwazi olungakumbi. Ukhuselekile ukuba ucinge ukuba unempilo yomshuwalense wezempilo ohlanganisa i-10 imfuno zezempilo ezibalulekileyo kwaye uyavumelana nazo zonke iimfuno zoMthetho wokuNakekelwa ongenakuncedo. Basenokuba bafumene umgaqo-nkqubo we-inshurensi ngokusebenzisa utshintshi lwezempilo. Ngaphandle koko, uya kufuna ulwazi olungakumbi ukuba wazi kakuhle uhlobo luni inshuwalense yezempilo abanayo.
Ngaba ikhona Ininshurensi yezeMpilo engenayo ukulandela iMithetho ye-Obamacare?
Ezinye izicwangciso zempilo akumele zilandele yonke imithetho yokuphucula unyango lwempilo efumaneka kwi-Care Act. Inkampani yomshuwalense wexesha elifutshane, i-inshorensi yempilo yonyango kunye neeprogram zempilo ezininzi ziphakathi kwazo.
Izicwangciso zezempilo ezininzi zizicwangciso zempilo okanye imigaqo-nkqubo nganye eyayikhona xa uMthetho woNonophelo ongenakunqwenela waba ngumthetho ngoMatshi 23, 2010. Nangona kufuneka balandele eminye imigaqo yokuphucula impilo, iiplani zezempilo ezingenayo kufuneka zinike zonke ukhuselo olufumaneka kwizicwangciso zempilo ezintsha. Ngokomzekelo, akufuneki ukubonelela ngononophelo wokukhusela okanye ukulawula ukukhulula , kwaye banokukuhlawulisa ngakumbi xa uhamba kwigumbi elingxamisekileyo elingekho kwinethiwekhi yomboneleli . Imigaqo-nkqubo ye-inshorensi yempilo enomntu ngamnye (uhlobo oluthile ufumana ngalo, kunokuba ngumqeshi) unako ukusebenzisa umda wonyaka wokukhawulela, ukwenqaba ukuhlawula ngaphezulu xa behlawule inani elimiselweyo kwiindleko zonyango lwempilo kunyaka.
Nangona kunjalo, ukuba isicwangciso esinobukhulu senza utshintsho oluninzi, luya kulahlwa yimo kwaye lufanele luhambelane nazo zonke iindlela zokulungisa umthetho. Ngokomzekelo, ukuba isicwangciso esinobukhulu sandisa kakhulu i- copay okanye ixabiso lentengo okanye i-deductible, iya kulahlekelwa yimoya enkulu. Kuya kuphinda kulahlekelwe imeko eninzi xa ichitha inzuzo.
Izicwangciso zempilo ezikhulu zikhululekile nakwiimithetho ezininzi ze-Care Act, nangona ziza kuvunyelwa kuphela ukuba ziqhubeke ukusebenza ngamandla ekupheleni kuka-2017. Ezi zikwaziwa nangoku njengezicwangciso zenguqulelo. Kwakungabikho malungiselelo kubo kumthetho wokulungisa utshintsho lwempilo, kodwa baqala ukuba urhulumente wavuma ukuba avumele ukuba bafikelele ngo-2014 ngomgudu wokuqhayisa umbane kwi-plan yokukhansela ekupheleni konyaka ka-2013. ukuvumela ukuba bahlale besebenza ngo-2017, ukuba amazwe kunye nabathwali bavuma ukuba bavumele ukuvuselela (uninzi lwabantu luyabavumela ukuba bahlaziywe ngasekupheleni kuka-2016).
Zombili izicwangciso ezinkulu kunye nezicwangciso ezininzi azifumaneki ukuthenga. Kodwa ukuba unayo enye, ungayigcina ixesha elide njengoko linikezelwa ngumphathiswa wakho. Ukuba ngaba umqeshi wakho unako, ungabhalisa kwi-coverage xa ​​ufanelekile.
Kuthiwani ukuba umntu ozama ukuThengisa i-Obamacare Insurance?
Qaphela kakhulu ukuba umntu uzama ukukuthengisa i-insamantare ye-Obamacare okanye usibhalisele i-Obamacare. Nangona besenokusebenzisa igama elithi "ukubhalisa kwi-Obamacare" ngokungaqhelekanga kuthetha ukuba "bathenge i-inshorensi yempilo ngokusebenzisa utshintshelo lwe-inshurensi yempilo," banokuba ngabaculi bazama ukukuthengisa into engekho.
Ukuba ufuna ukubhalisa kwi-Obamacare, kufuneka uqhagamshelane ne-inshurensi yempilo yomshuwalense wezempilo ngqo. Apho uya kuba nako ukukhetha kwiinkqubo ezininzi zezempilo ezizinzileyo eziNxulumene neNkqubo-yoNonyango-ezithengiswayo . Uya kwazi ukuba uyifumana yintoni umgaqo-nkqubo we-inshorensi yempilo ukususela ekubeni utshintshiselwano lugqithisa zombini umgaqo-nkqubo kunye nenkampani ye-inshurensi ye-inshurensi eyithengisayo ngaphambi kokuba uyivumele ukuba ibhalwe kwichitshintshi.
Utshintsho lwempilo ye-inshorensi yempilo yindawo apho ucela uncedo lokuhlawula i-inshorensi yezempilo. Kuphela yindawo onokuthenga ngayo i-inshorensi yezempilo usebenzisa inkxaso-mali ye-inshorensi yezempilo. Kukho utshintshi olulodwa oluseburhulumenteni kwimeko nganye, ngoko ke uqaphele ngewebhusayithi ekhangeleleneyo. Fumana indlela yokuqhagamshelana noshishino lwakho lwe-inshurensi yempilo.
Unokufunda ngokubanzi malunga nendlela abaculi abazama ngayo ukuxotha abantu ngokuthengisa intengiso yomshuwalense we-Obamacare "kwi- Career Affordable Care Act (i-Obamacare) ye-Intshumo ye-Intshumo yeMpilo " kwiwebhusayithi yokuxhobisa iMonde .
Usenokudideka Ngokusondeleyo Ngento Eyiyo Yokuxhamla?
Nangona ngoku uyazi ukuba i-Obamacare yigama elibi nje lemiqathango yokulungiswa kwempilo yoMthetho woNonophelo olungabonakaliyo, kusenokudideka xa abantu basebenzisa amagama anjenge "ukubhalisa kwi-Obamacare".
Ngenxa yokuba ulwimi lushintsha ngaphezu kwexesha kunye ne-Obamacare lilizwi elitsha, indlela esisebenzisa ngayo igama iguquke kunye neenkqubo zokuphucula ukunakekelwa kwempilo. Kuya kuqhubeka ukutshintsha kwiminyaka embalwa ezayo, kwaye sinokufumana ukuba sinakho iindlela ezininzi zokuphendula umbuzo othi, "Yintoni i-Obamacare?" Iminyaka elishumi ukususela ngoku.
Ngelo xesha, ukuba umntu uthetha kwi-Obamacare ngendlela engenzi kakuhle kuwe, ungesabi ukucela ukucaciswa.
Ukuhlaziywa nguLouise Norris.
> Imithombo:
> Healthcare.gov. Funda uMthetho woNonophelo ongenakunceda.