Indlela Yokugwema Isohlwayo Sokwabelana Ngegunya Lomntu ngamnye
Ukuba awufuni ukuhlawula irhafu yentlawulo, kufuneka ube ne-inshorensi yempilo okanye uvumeleke ukuxolelwa kwisigwebo somntu ngamnye . Omnye wemigqaliselo yoMthetho woNonophelo ongenakunqwenelekayo , umyalelo ngamnye , ugweba abantu abangenawo inshorensi yezempilo ngokwenza ukuba bahlawule irhafu yentlawulo ebizwa ngokuba yintlawulo yomthwalo . Kukho iindlela ezimbini ezijikeleze esi sihlwayo:
- Unobungozi bomshuwalense wezempilo obonwa njengobuncinci bokubhengezwa, okanye
- Ilungelo lokukhululwa kwesohlwayo.
Ngubani oKhululwa kwiNkundla yeMatyala kaMntu ngamnye?
Uvumelekile ukuba ukhululwe kwisigqibo somntu ngamnye somyalelo we-inshurensi yempilo ukuba:
- Ayikho e-United States ngokusemthethweni, OKANYE uhlala ngaphandle kwe-US (ubuncinane iintsuku ezingama-330 ngonyaka)
Oku kusebenza kwakhona ukuba ungumhlali waseGuam, i-American Samoa, iIntan Marian Islands, iPuerto Rico, okanye iIndonesia Virgin Islands, kwaye awunakho uxhulumano olusondeleyo kwi-United States okanye kwelinye ilizwe kunelizwe laseMelika. ilifa apho ubiza khona ukuhlala. - Etilongweni okanye entolongweni, ngaphandle kokuba uvalelwe ekujongweni kweentlawulo.
- Ngaba ngumntu wase-Alaska okanye ilungu leNdibano yamaNdiya.
- Yiba nenzuzo encinci eyaneleyo ukuba awufuneki ukuba ufake ifayile yengeniso
Ingeniso engakanani ongayinayo ngaphambi kokuba ufumane ifayile yengeniso? Ngo-2016, abantu ngabanye bangafumana i-$ 10,350 ngaphambi kokuba bafake iifayile, kwaye izibini zifumana i-$ 20,700. Kodwa, utshintsha njalo unyaka. Ukuba ungathanda ukwazi umgca wokufaka naliphi na unyaka othile, kufumaneka kwi-IRS papasho 501 yaloo nyaka, ongayifumana kwi-IFS ifomu kunye neFebhu yewebhu.
- Unqabile unqulo lwe-inshorensi
Ukuze ufanelekele oku kuxolelwa:- Kumele ube ilungu lehlelo lonqulo eliqingqiweyo.
- Kufuneka ukhuphe yonke inzuzo yakho yeNtlalo.
- UMkomishinala woKhuseleko loLuntu kufuneka avume ukuba unqulo lwakho luchasene ne-inshurensi ngezinto ezinjengokufa, ukukhubazeka, kunye nokunakekelwa kwezonyango.
- Umkomishinala kufuneka afumane ukuba amalungu enqulo lwakho enze amalungiselelo okubonelela ngamalungu abo axhomekeke ekubeni abasebenzisi i-inshurensi njengenqabiseko yokhuseleko.
- Ihlelo kufuneka ukuba likhona ngokuqhubekayo ukususela ngo-Disemba 31, 1950
- Ngaba ilungu leenkonzo zokwabelana ngononophelo lwempilo.
Ukwabelana ngononophelo lwezempilo kunamaqela axhomekeke kunkolo abantu abancedana ngokuhlawula iibhilidi zonyango. Unokufunda okungakumbi malunga neenkonzo zokwabelana ngeenkonzo zempilo ezivela kwi-Alliance of Health Care Sharing Ministries. Ukuze uxolelwe kwisigwebo somntu ngamnye, inkonzo yakho yokwabelana ngononophelo kufuneka ibe khona ukususela ngo-12/31/1999, nangona amalungu amatsha angajoyina nanini na. Ukongezelela, uphicotho-zincwadi zophicotho-mali zonyaka kufuneka zifumaneke kuluntu. - Ayikwazi ukuhlawula
Ukuqwalaselwa njengento engenakulungiswa , isicwangciso esiphantsi kwexabiso lebhesi ekutshintshiseni kwendawo yakho kufuneka ixabise ngaphezu kwe-8.05 iphesenti yengeniso yakho yasekhaya ngo-2018 (izikhokelo ezintsha kulo nyaka zipapashwa rhoqo nge-IRS). I-premium isekelwe kwiindleko ezipheleleyo emva kokuba kukho naziphi iikhredithi zerhafu (premium subsidies) ezisetyenzisiweyo, ngoko ke ukuba unelungelo lokufumana inkxaso-mali ye-premium, akunakwenzeka ukuba ufanele ukufumana umvuzo wokufumana imali. Ukuba awufanelanga ukufumana inkxaso-mali ye-premium, kunjalo, unokufumana ilungelo lokuxolelwa. Kwiindawo ezinomshuwalense othe wabiza, nangona abantu abaneemali ezinokuthi banokukwazi ukufumana umrhumo wokufumana imali.
- Uhambe ngaphantsi kweenyanga ezintathu ezilandelelana ngaphandle kokubhengezwa
Uvumelekile kuphela ukusebenzisa le mxokelelo kanye ngonyaka, kwaye kuphela umcimbi wokuqala unyaka ngamnye uxolelwe. Umzekelo, ukuba awuqinisekanga inyanga enye ngoFebhuwari kwaye kwakhona ngenyanga enye ngo-Agasti, uya kuxolelwa kuphela kwisihlomelo se-Febhuwari. Uza kuba netyala lolwabiwo lokwabelana ngalo ngo-Agasti. Kwaye ikhefu ekujoliswe kuyo kufuneka libe yithuba elingaphantsi kweenyanga ezintathu-iinyanga ezimbini zilungile, kodwa inyanga ezintathu ngaphandle kokubhengezwa ziya kubangela isohlwayo kuzo zonke iinyanga ezintathu. - Unobunzima obunqanda ngokusemthethweni ukuba ufumane inshuwalense yezempilo
Ukutshintshwa kwinshorensi yakho yempilo kufuneka uthathe isigqibo sokuba unobunzima obuchaphazela ukukwazi kwakho ukufumana i-inshorensi yempilo. Ukutshintshiselana kusetyenziswa imithetho kunye nezikhokelo zokwenza esi sigqibo. Unokufunda okungakumbi, " Indlela Yokufumana Ukuxhomekeka Kobunzima ."
- Uya kuba ufanelekile kwiMediicaid ukuba urhulumente wakho wandise iMedicaid
Ukuba uhlala kwimeko engazange ikhulise iMedicaid kwaye isizathu esisodwa esicatshangelwayo singenakufaneleka kwi-Medicaid kukuba i-state yakho ayizange ikhulise kwizikhokelo zokufaneleka ze-ACA, uvumelekile ukuxolelwa kwisihlwayo. Oku kubandakanya abantu abakwi-Medicaid yokungabikho kwemali (oko kukuthi, kunye ne ngeniso engezantsi kwinqanaba lehlwempu), kodwa kubandakanya abantu abanomvuzo phakathi kweepesenti eziyi-100 kunye ne-138 ekhulwini kwintlupheko, abafanelekile ukufumana inkxaso-mali ye-premium kodwa bathe uvumelekile kwiMediicaid ukuba ngaba i-state yabo yamkele i-federal finance yokwandisa i-Medicaid coverage. - Uvolontiya kunye ne-AmeriCorps, i-VISTA, okanye i-National Civilian Community Corps
Le mibutho ihlinzeka ngamavolontiya abo nge-inshorensi yempilo yesikhashana engabonakali njengobuncinci benkcazo ebalulekileyo kwaye ayiyi kuzalisekisa enye igunya lika-ACA. Kodwa ukuxolelwa kuthetha ukuba akukho sihlwayo kula mavolontiya.
Ndingayifumana njani i-Inshurensi yeMpilo?
Ubume bakho bomshuwalense wezempilo usetyenziso lokunikezela ukuxolelwa, ngelixa abanye kufuneka babanjwe kwi-tax return. I-IRS inephepha lewebhu elichaza indlela ukuxolelwa ngayo nganye.
Ukuba uceba ukusebenzisa umxolelwano omele ufunwe kwirejista yakho yerhafu, ukutshintshisana kungaphendula imibuzo kwaye kukuncede ukuba ubone ukuba ngaba unokufanelekela ukukhululwa. Kwezinye iimeko, ukuxolelwa okufanayo kufumaneka kwangaphambili ukusuka kutshintshiselwano, ukuba ugweme ukulinda uze ufake iirhafu zakho.
Ukuba ukukhululwa kwakho kubangelwe ukuba ube nenzuzo encinci eyaneleyo ukuba awuyi kufaka irhafu yengeniso ye-federal, akufanele ufune isicelo sokuxolelwa; ngokuzenzekelayo. Ukuba ufakelwa irhafu nangona ungenayo, umzekelo, ngenxa yokuba ufuna ukubuyisela imali, awuyi kuhlawulwa irhafu yentlawulo.
Andiyi kulungelelanisa ukuxolelwa kweNtshuwalense yeMpilo; Ndingayigweba njani iSohlwayo?
Ukuba awufaneleki ukukhululwa kwaye awufuni ukuhlawulwa, ityala lakho elincinci lokukhusela ukufumana ukhuseleko lwezempilo.
Ukuba awusebenzi okanye awukwazi ukufumana i-inshorensi yempilo kumqeshi wakho, ukhetho lwakho olulandelayo kukuba uzame utshintsho lwe-inshurensi yezempilo. Zonke izicwangciso ze-inshorensi zempilo ezithengiswa ngotshintshiselwano ziza kuhlangabezana nemigaqo yokubambisa okubalulekileyo. Ukutshintshisana kuya kuhlola ukuba ufanelekile naziphi na inkxaso ( ukuhlawulwa kweerhafu zentlawulo okanye ukunciphisa iindleko ) ukukunceda ukufumana i-coverage kunye / okanye ukunciphisa iindleko ze-pocket ozijongene nazo xa usebenzisa impilo yakho. inshorensi.
Ngaphambi kokuba uthenge i-inshorensi yempilo kwi-inshurensi yempilo yomshuwalense, jonga indlela yokukhetha isicwangciso se-inshurensi yezempilo eyona nto ifanelekileyo kwiimfuno zakho zonyango kunye nebhajethi yakho .
Imithombo:
Ukusebenzisana kweeNkonzo zeZempilo zoLuntu
> INkonzo yeNgeniso yangaphakathi. Ukunikezelwa kweMfanelo ngabanye ngabanye - Ukunika ingxelo kunye nokubala Intlawulo.
> INkonzo yeNgeniso yangaphakathi. Inkqubo yeNgeniso 2017-36 .
Iziko Lolwazi Lomthetho. 26 I-US Code 5000A (uMthetho ojongene noKhathalelo ongenakuncedo).