Kubantu abangenayo i-inshurensi exhaswe ngumqeshi, i-ACA iquka inkxaso-mali yokwenza i-inshurensi yezempilo. Kodwa akusiyo wonke umntu ohambelana ngokufanelekileyo kwenye yezo zibini. Abanye abantu banokufikelela kwisicwangciso esixhaswe ngumqashi, kodwa abanako ukufumana iiprayimari. Kweminye yazo, i-ACA inikeza uxolo. Kodwa phakathi kwabantu ababini nezigidi ezine, akukho sombululo esihle kweli nqanaba.
Ubani obanjwe kwi-glitch yentsapho?
Kungenxa yokuba banamathele kwinto eyaziwa ngokuba yi-ACA's "family glitch" kwaye ayinakho ukufikelela kwi-coverage engabonakaliyo kumqeshi okanye inkxaso-mali ngokutshintshiselana.
Nantsi ingxaki: Ukuze ukwazi ukufumana inkxaso-mali ye-premium kwintengiso, kufuneka ube nenzuzo engenakugqithisa u-400% wezinga lehlwempu, kwaye isicwangciso seSilivere esindleko esiphantsi kwesiqingatha sendawo kufuneka sibe neendleko ezingaphezulu ngaphezu kwemali engaphambili. Kodwa kukho enye into. Ulungelelwaniso lwezibonelelo uncike ekubeni ngaba umntu unako ukufikelela kwisicwangciso esixhaswe ngumqeshi esibonelela ngexabiso elincinci (liquka ubuncinane ubuncinane be-60% yeendleko eziqhelekileyo) kwaye kuthathwa njengexabiso elifanelekileyo. Ngo-2018, leyo ichazwa njengengxelo engabonakali ngaphezu kwe- 9.56 pesenti yengeniso yekhaya ngenxa yokufumana ingqesho yomsebenzi (oku kuyancipha okuncane ukususela ngo-2017, xa i-inshorensi exhaswe ngemali ehlawuliswayo yayingabikho ixabiso elingaphezu kwama- 9.69 ekhulwini lomvuzo wekhaya ngenxa yomsebenzi womsebenzi kuphela)
Ukuba umqeshwa unamalungu entsapho, iindleko ezongeziweyo zokuzifaka kwisicwangciso esixhaswe ngumqeshi akuqwalaselwa xa kuqikelelwe ukuba isicwangciso esixhaswe ngumqeshi "sithengeka." Ngenxa yokuba abaninzi abaqeshi bahlawula inxalenye ebalulekileyo yee-premium zabo zee-inshorensi zempilo, abasebenzi abaninzi abaxhaswa ngabaxhasi baxutywa ngexabiso.
Yaye kwaye "ukuhlawuleka" kuluhlu lwabazali, nangona umqeshi engakhokheli nayiphi na i-premium zabo .
Ngokomzekelo, cinga intsapho yesihlanu enomvuzo owodwa we-$ 60,000 / ngonyaka. Baye ngaphantsi kwe-cut off off for eligibility (400% kwinqanaba lentlupheko kwintsapho yesihlanu i $ 115,120 ekuqaliseni ukufaneleka kwamatyala e-2018). Makhe sicinge ukuba umqeshi womzali osebenzayo unikeza isicwangciso se-inshurensi yezempilo, kwaye uhlawula amaninzi ama-premiums abo baqeshwa. Ngoko intsapho ihlawula i-$ 100 / inyanga echithwe kwi-paycheck ukukhawulela i-premium yomqeshwa. Yiyo kuphela i-2% yengeniso yabo - phantsi kwe-9.56 yepesenti yomyinge - ngoko ke ukugqithwa kuthathwa njengento efikelelekayo.
Kuthekani ukuba kuthengisa intsapho imali engaphezulu kwe-900 / inyanga ukufaka iqabane kunye nabantwana kwisicwangciso esixhaswe ngumqeshi? Abanye abaqeshi abafihla nayiphina i-premium ukuba bangeze abantu abaxhomekeke kuyo, ngoko ke akusiyo imeko engavamile. Ngoku i-deduction yokubhatala ngokuhlawula i-inshurensi yempilo ngu-$ 1000 / inyanga, eyi-20% yengeniso yabo yomzi. Kodwa yonke intsapho iyacatshangelwa ukuba inokufikelela kwi-inshurensi yezempilo exhaswa ngumqeshi, "ngenxa yokuxhomekeka kwezinto ezinokuxhomekeka kuzo kusekelwe kuphela kwizinto abazihlawulela ukugubungela umqeshwa, kungekhona umqeshwa kunye nabaxhomekeke kuyo okanye / okanye umlingane.
Oku kwenzeka ntoni?
Konke oku kwacaciswa yi-IRS kwisigqibo sokugqibela esashicilelwe ngo-2013. Nangona ingxaki ininzi ekubhekiselelwe kuyo ngokuthi "intsapho ye-glitch," akunjalo ngokwenene ukugqithiswa ngolu hlobo lokuba luqwalaselwe ngenyameko yi-Ofisi yoKwazisa i-Government kunye ne-IRS ngaphambi kokuba imigaqo igqitywe.
Ukuxhalabisa kukuba ukuba abaxhomekeke kule meko bakwazi ukufumana inkxaso-mali ekutshintshisweni, kuya kukwandisa inani eliza kuhlawulwa nguorhulumente ngoncedo. Njengoko abaqeshi kuphela kufuneka benze ukudibanisa ukudibanisa i-criteria "efikelelekayo" kubasebenzi babo, bekukho iingxaki abaqeshi banokuyinqumla kwiminikelo abayenzayo kuma-premium ama-inshorensi yezempilo, ngaloo ndlela bathumela abantu abatshatileyo kunye nabantwana ukuba batshintshe inkxaso ukufihla.
Ngaba sinokuyilungisa?
Ngo-2014, uSenin o-Al Franken uqalise uMthetho woNyaka woBomi (S.2434) ngenzame yokuqeda intsapho. Kodwa umthetho awuzange uhambe naphina ngenxa yeengxakini ukuba ukulungiswa kuya kuba kubi kakhulu (abantu abaninzi baya kufanelekela ukufumana inkxaso-mali, ezixhaswa ngemali ngurhulumente wephondo). U-Hillary Clinton uphakamise kwakhona ukulungiswa kwentsapho ye-glitch njengenxalenye yesikhankqalazo sakhe somongameli, kodwa ekugqibeleni walahlekelwa unyulo lukaDonald Trump.
AmaRiphabliki kwiCongress agxile ekutshitshiseni nasekutshintsheni i-ACA ngexesha leseshoni yomthetho ka-2017, kodwa amanyathelo athile awacebisayo awadluliyo, kwaye i-ACA ihlala ihleli. Abazange bacebise nayiphina iindleko zokujongana nentsapho ye-glitch.
Kuhleli ukuba kubonakale ukuba i-glitch yentsapho iya kugqitywa. Ngethamsanqa, abaninzi abantwana abaya kubanjelwa kwi-glitch yentsapho bafanelekile kwi-CHIP (Inkqubo Yomshuwalense Wezempilo Yabantwana). Kodwa kulabo abangenayo, kunye nabatshatileyo abasenkundleni yentsapho, ukuxhamla kungasakwazi ukufikelela, nangona kunjalo ukuba ingqwalasela ingcali.
> Imithombo:
> Register Register, uMqulu 78, Inombolo 22 , Februwari 2013.
> I-GovTrack, iS.2434, uMthetho woNyaka woBomi (i-113 Congress)
> INkonzo yeNgeniso yangaphakathi, iNkqubo yeNgeniso 2016-24 .
> Isevisi yangaphakathi yeNgeniso, iNkqubo yeNgeniso yeNgeniso 2017-36 .
> I-Kaiser Family Foundation, Isishwankathelo se-American Health Care Act, ngoMeyi 2017.