Ukunciphisa iindleko kuya kufumaneka ngo-2018, nangona kuhlawulwa
Ngo-Oktobha 12, ngo-2017, ulawulo lweTrump luchaze ukuba inkxaso yokunciphisa iindleko (i-CSR, ngamanye amaxesha ekubhekiswa njengenkxaso-mali yokwabelana ngeendleko) iza kupheliswa ngokukhawuleza. Abantu abathenga i-inshorensi yempilo kwimarike nganye bayayixhalabisa ngokumemezela, bazibuza ukuba ngaba i-coverage kunye / okanye inkxaso-mali iya kubakho ngo-2018.
Ngoko makhe sijonge oko kwenzekayo kunye nemiphumo eya kuba yintoni. Okokuqala nokuphambili, konke oku kwenzeka kwiimeko zemarike yomshuwalense, apho abayizigidi ezingama-17.6 baseMerika bafumana i-inshorensi yabo yempilo. Ukuba ufumana ingxelo yakho evela kumqeshi wakho, okanye kwi-Medicare okanye kwi-Medicaid, umba wezimali we-CSR awuchaphazeli yakho inshorensi yempilo.
Kodwa kulabo abane-inshurensi yempilo, makhe sijonge oko kufuneka silindele:
Ukunciphisa Ukwabelana Ngeendleko Kuya Kube Kukhona Ngo-2018
Into ebaluleke kakhulu ukuyiqonda kukuba i-CSR iya kuseka ngo-2018 . Ukususela ngoFebruwari 2017, kwakukho abantu abayizigidi ezili-103 ababhalise kwizicwangciso ze-inshorensi zempilo yabucala ngokubambisana e-United States, kwaye i- 57 ekhulwini yabo bazuza kwi-CSR, neendleko ezingaphantsi kwe-pocket kunokuba babeza ngaphandle kwe-CSR. Ezi zibonelelo ziya kuqhubeka ngo-2018.
Amaphesenti angama-84 abhaliso banokufumana inkxaso- mali ye-premium , ayilona into efanayo ne-CSR.
Inkxaso-mali ye-Premium iyancipha inani elifunekayo lokuhlawula nganye inyanga ukuba ube ne-coverage yakho, ngelixa i-CSR iyanciphisa inani oza kufuneka uyihlawule xa kufuneka usebenzise i-inshorensi yakho yempilo ukuhlawula unyango lwempilo. Abantu abaninzi banokufumana inkxaso-mali ye-premium ngaphandle kwe-CSR kuba umyinge wokufumana inkxaso-mali ye-premium uphezulu, kwaye ngenxa yokuba i-CSR ifumaneka kuphela kwizicwangciso zesilivere , ngelixa i-premium inkxaso ingasetyenziselwa ibhaduli, isilivere, igolide, okanye iplatinum .
Ngaphandle kwazo zonke iintloko ngo-2017, kwaye nangona i-Trump Administration ichithe inkxaso ye-CSR, akukho nto ishintshile malunga nokufaneleka kwe-CSR okanye inkxaso-mali ye-premium. Bobabini baya kuqhubeka befumaneka kuzo zonke iirejista ezifanelekileyo ngo-2018.
Indlela kuphela yenkxaso-mali eya kuphelelwa ukuba iyafumaneka ukuba ngaba bonke abathathi-mali abathatha inxaxheba kwiindawo ezinikezelweyo beza kuphuma kwimarike, kwaye ukufikela ngokwaso kwakungekho. Akunjalo kumbuzo, kodwa akukenzekanga nakwiyiphi na indawo yelizwe. Abatshutshisi bekufuneka bazinikezele ukutshintshisana ngokusemthethweni (HealthCare.gov, esetyenziswe kumazwe amaninzi) ngoSeptemba 27, kodwa isivumelwano sabo sinemigatya yokuphuma esenza ukuba bathathe inxaxheba xa kuthengiswa imali ye-CSR.
Ukunqunyulwa kwemali kwaziswa ngo-Oktobha 12, kodwa i-insurers kwininzi la mazwe sele sele isekelwe iiprayimari zazo ezingama-2018 ekucingeni ukuba imali iya kugqitywa. Kwaye i-insurers kwezinye iindawo zinikezwa ngefestile emfutshane ngexesha apho zingenza iifayile zifake ixabiso kunye neendleko ze-CSR zongezwe kwiiprayimari. Oku kunceda ukukhusela abaqinisekisi bokuphuma kwimarike, kuba banokuthi banciphise ukungabikho kwemali ye-federal kunye neeprayimari eziphezulu, ezininzi zazo ziza kubalwa ngokuxhaswa nge-premium inkxaso.
Ngoko Yintoni eyenzekayo kwiiNkulumbuso ze-2018?
Umyinge weprayimari ngamnye wemarike iya kuba phezulu ngonyaka ka-2018 kunokuba bekuya kuba i-CSR inkxaso-mali yenziwe nguRhulumente we-federal ekuqaleni kowe-2017. Ukungabikho kwemali-mali ye-CSR kubonakala ngathi kuya kubakho i-akhawunti malunga nesiqingatha sexabiso lokunyuka kwamazinga angama-2018, nangona igalelo elichanekileyo liza kubakho kwiiplani zesilivere, kwaye ziya kubanjelwa ngu rhu lumente urhulumente ngendlela ephakamileyo ye-premium inkxaso.
Ukunqunyulwa kwezimali ze-CSR kwaziswa ngo-Oktobha, kodwa ukungaqiniseki malunga nokuba oko kuya kwenzeka kwenzeka yinto yonke kulo nyaka.
Ama-insurers aqale ahlawule amaxabiso ngonyaka we-2018 wokubuya emva kwentwasahlobo ka-2017, kwaye abalawuli belizwe bachitha ihlobo ehlolisayo. Kwiimeko ezininzi, i-insurers ifake iirhafu ezihlaziyiweyo emva kwehlobo, kwaye enye yeenguqu eziqhelekileyo yongezelela iindleko ze-CSR kuma-premium, kuba kwakungazange kubekho ukuzibophezela kolawulo lukaRhulumente.
Uyakwazi ukubona amafayile okufakela amaxabiso, kuquka i-memari ye memos echaza ngokubanzi izizathu zokutshintshwa kwezinga, kwi-ratereview.healthcare.gov (khetha "i-ACA imveliso ehambelanayo," ukhethe imeko yakho uze ufake uJanuwari 1, 2018 kuzo zombini ibhokisi kwinqanaba lomhla wokusebenza, kuba zonke iirhafu ze-2018 zisebenza ngoJanuwari 1). Ukujonga ireyithi yokufakela izakukunika ingcamango efanelekileyo yezinto eziqhuba iiprayimari ze-2018. Ukungaqiniseki malunga nenkxaso ye-CSR yinxalenye enkulu yomfanekiso. Ngokukodwa kwiirhafu ezihlaziyiweyo eziye zafakwa emva kwehlobo, i-inshorensi yayiye ikhetha ukucinga ukuba imali ye-CSR ayiyi kuqhubeka, kwaye yayixabisa izicwangciso zazo ngokufanelekileyo.
Akubona onke amazwe avumele le nto, nangona kunjalo, ngoko abanye bathi kunye nabaqhankqalazi baye bahlaziya ukulungisa amaxabiso ngomzuzu wokugqibela. Kodwa ukuxhaswa ngemali akuzange kuphume kwimibala eluhlaza okwesibhakabhaka, kwaye uninzi lwababhankaseli belulungele ukulungelelanisa kunye neerhafu ababezifakile ngo-2018.
Xa iiNkulumbuso zanda, Yintoni Ethethayo kwiNkxaso yeeNkulumbuso?
Kwiimeko ezininzi, abaxhasi bongezelele iindleko ze-CSR kuma-premium kwizicwangciso zesilivere, ekubeni izicwangciso zesilivere ziphela eziquka i-CSR. Esi sicwangciso sikhusela abaninzi abathengi kwiimpembelelo zorhulumente wezepolisi ekunciphiseni inkxaso-mali ye-CSR, ekubeni ekugqibeleni oko kuphumela kwiziphumo ezixhasayo zenkxaso-mali yeprayimenti (inkxaso-mali ye-premium isekelwe kwindleko yesicwangciso sesilivere esiphantsi kwesindleko kwindawo nganye, ukuze isilivere cwangcisa ama-premium, ngoko ke unika inkxaso).
Nangona ulawulo lweTrump luye lwacima inkxaso-mali ye-CSR, urhulumente wesigqeba uza kuchitha ngaphezulu ekukhuleni kwenkxaso-mali ye-premium kunokuba aya kusindisa kwiintlawulo ze-CSR.
Ngokwe- Agasti ka-2017 Inkcazo yoHlahlo lwabiwo-mali lwe-Congressional ye-Congressional ye-Impact of the cutting of CSR, i-losseral federal will increase by $ 194 billion kwiiminyaka elishumi ezayo, ngenxa yemali ephakamileyo ye-premium kunye nenani elikhulayo labantu abaya kufaneleka ukufumana inkxaso-mali ye-premium (njengoko isicwangciso sesilivere senyuka, abantu abaninzi badinga inkxaso-mali ukuze bafumane i-premium yenkxaso-mali emva kokufikelela kwipesenti yengeniso yabo enokuthi iyakuthi ifikeleleke).
Yintoni endiyifunayo ukuba ndiyenze ngexesha lokubhalisa okuvulekileyo?
Ulawulo lweTrump luye lwacima inkxaso-mali ye-CSR, kwaye umphumo uya kuba yinkcitho ephezulu ephezulu kwiinkxaso ze-premium. Kodwa abathengi ngabathengi ngabanye baya kufuneka baqwalasele ngokucwangcisekileyo kwizicwangciso ezifumanekayo ngo-2018, zombini kunye nokutshintshiselana.
Iiprayimari eziphezulu ngenxa yokufunwa kwe-CSR ziya kusebenza kwiirhafu zezicwangciso zesilivere, kodwa kungekho kuzo zonke iinkalo. E-Indiana naseColorado, iindleko ezongeziweyo zisasazeka kuwo onke amanqanaba esinyithi, kunokuba zicwangcise iiplani zesilivere kuphela; kukho ezinye iinjongo apho ngamnye umshwalense ethatha indlela eyahlukileyo, oko kuthetha ukuba enye inshurensi inokuthi isasaze iindleko kuzo zonke iiplani, ngelixa elinye i-insurer likhethe ukulusebenzisa kuphela kwizicwangciso zesilivere.
Kubantu abafumana inkxaso-mali ye-premium, inkxaso -mali iya kukhupha yonke into okanye ininzi yokwanda kwe-premium. Inkxaso-mali ye-Premium ifikelela kuma-400 ekhulwini kwinqanaba lehlwempu, elingama-$ 48,240 kumntu oyedwa ngo-2018, kunye ne-98,400 zamawaka kwiintsapho ezine.
Kodwa kuya kuba kubalulekile ukuthelekisa ivenkile ngexesha lokubhalisa okuvulekileyo. I-CSR ifumaneka kuphela xa ukhetha icebo lesilivere, kodwa i-CSR iphinda ifumaneke kubantu abanomvuzo ongaphantsi kuma-250 ekhulwini lobuhlwempu (i-$ 30,150 enye, kunye ne-61,500 yeenkunzi zeentsapho ezine kwi-2018). Ukuba ufanelekile kwi-CSR, ingakumbi ukuba ingeniso yakho ingaphantsi kwama-200 ekhulwini le ntlupheko, mhlawumbi ufuna ukukhetha isicwangciso sesilivere ukuze ukwazi ukufumana izibonelelo ze-CSR.
Nangona kunjalo, ukuba awufaneleki kwi-CSR kodwa uvumelekile ukufumana inkxaso-mali ye-premium (oko kukuthi, ingeniso yakho iphakathi kwama-250 eepesenti kunye ne-400 ekhulwini kwintlupheko), unokufumanisa ukuba isicwangciso sobhedu okanye segolide siya kunika ixabiso elifanelekileyo 2018.
Kungenxa yokuba inkxaso ye-premium iya kusekelwe kwiindleko zesicwangciso sesilivere, esiya kunyuka ngamaphesenti amakhulu kwiimeko ezininzi kunezicwangciso zebhedu negolide ezifumaneka kuloo ndawo. Kodwa ezo ntlawulo ze-premium zingasetyenziselwa ukuthenga izicwangciso kunanoma yiphina insimbi-kungekhona nje izicwangciso zesiliva. Oko kwenza izicwangciso zethusi kunye negolide (kunye neeplatinum izicwangciso, kwiindawo apho zikhona) ixabiso elingcono emva kokusetyenziswa kwesibonelelo se-premium.
Kwezinye iimeko, izicwangciso zesilivere ziya kuba zibiza kakhulu kunezicwangciso zegolide, eziza kubabaluleka ngokucacileyo kubantu abangenayo i-CSR, ekubeni izibonelelo zecebo legolide zizinzileyo kunezibonelelo ze-CSR zesilivere izicwangciso .
Kubantu abangenakufumana inkxaso-mali ye-premium , kuya kuba kubalulekile ukubona ukuba izicwangciso nganye kwinqanaba lezinyithi ziqhathaniswa njani. Ukuba iiplani zesilivere ziphela zibiza kakhulu kunezicwangciso zegolide kwindawo ethile, kuya kuba nengqiqo ukukhetha isicwangciso segolide esikhundleni sesicwangciso sesilivere (okanye isicwangciso sobhedu, esiya kubiza).
Kwaye abantu abane-ACA-efanelekileyo yokuthengiswa kwemarike ngaphandle kokutshintshisana (oko kukuthi, kuthengwa ngqo kwiinkampani zomshuwalense, kunokuba batshintshwe) kuya kufuneka ukuba banake ingqalelo kule ngxaki. Izicwangciso zesebe zesiqhelo esingaxhasiyo kwiindawo ezininzi (kunye nezicwangciso zokutshintshiselana ngaphandle kuzo zonke iziseko zetsimbi efana ne-Indiana neColorado) ziya kuba neendleko ze-CSR ezahlukileyo kwiiprayimari zazo. Le nto iya kuba yimeko yezicwangciso zokutshintshiselwa ngaphandle, ezithengiswa ngokutshintshiselana, kuba ixabiso kufuneka libe lifanayo kwisicwangciso esifanayo, kungakhathaliseki ukuba kuthengiswa ngokutshintshiselana okanye ngqo kubathengi.
ILizwi
Iingxelo malunga nokulungiswa kwempilo kwezempilo ziye zahlala ziqhubeka rhoqo ngonyaka ka-2017, kwaye isimemezelo sokuba inkxaso-mali ye-CSR iya kuphelisa ngokukhawuleza kubangele ukuxhalabisa kubantu abazithengela i-inshorensi yabo yempilo.
Kodwa ngenkxaso-mali ye- CSR ichithwe, ukufumaneka kwe-CSR ngokwayo ayitshintshi. Iinkxaso-mali zeNyanga ziya kuqhubeka zifumaneka ngo-2018, kwaye ziya kuba zikhulu kakhulu kunokuba zibe zikhona ukuba inkxaso-mali ye-CSR yenziwe kwangaphambili ngo-2017.
Ngenxa yenkxaso-mboleko enkulu, abaninzi abathengi baya kukhuselwa kwixabiso lokunyuka okufunekayo ukukhupha iindleko ze-CSR. Kodwa kuya kubaluleka kunanini ngaphambili ngabathengi ngabanye bemarike-kokubili kunye nokutshintshiselana-ukuzithelekisa ngokuthe ngqo ukhetho olukhoyo ngexesha lokubhalisa oluvulekile, ugcine engqondweni ukuba ukubhalisa okuvulekileyo kuya kuba mfutshane kunokuba kuneminyaka engaphambili .
Ukuba udinga uncedo ekuqaliseni icebo lokukhetha, fika kwi-navigator okanye umthengisi kwingingqi yakho, okanye ubize utshintshi kwimeko yakho (qala kwi-HealthCare.gov, kwaye ukuba urhulumente wakho unalo utshintshiselwano, uya kuqondiswa apho xa ukhetha urhulumente wakho).
> Imithombo:
> Amasebe e-Medicare neeNkonzo zeMedicaid. 2017 I-Snapshot ebhalisiweyo . Juni 12, 2017.
> I-Ofisi yeBhajethi yeCongressal. Iimiphumo zokuqeda ukuhlawulwa kweeNkcitho zokwabelana ngeendleko . Agasti 1, 2017.
> Mark Farrah Associates. Ngomfutshane Jonga kwiNkcazo yeMpilo yomshuwalense weMpilo. Julayi 19, 2017.