Ngaba uvumelekile ukuba uqhubeke ne- COBRA ye- inshurensi yezempilo ngenxa yokuba ulahlekelwa ngumsebenzi wakho , uqhawule umtshato, usanda kubulawa ngumhlolokazi, okanye ugugile kwi-inshorensi yempilo yomhlala-phantsi yomzali ? Ezi ziganeko ezifanayo ezifanelekileyo ziyakukwenza ukuba ufumane ithuba lokubhalisa okhethekileyo kwi-Obamacare ye-inshurensi yempilo yomshuwalense.
Ngaphantsi kweCOBRA, uya kuhlawula ixabiso elipheleleyo lakho lokunika ingxelo, kungakhathaliseki iimeko zakho.
Kodwa ukuba ukhetha isicwangciso ekutshintshisweni, unokufumana uncedo lwezemali oluza kubandakanya ingxenye ye-premium (kwaye kwezinye iimeko, inxalenye yeendleko zokuphuma ngaphandle ).
Ukutyikitya kwi-Obamacare Ukuba unikwe i-inshurensi ye-COBRA yezempilo
Ewe. Unesiqingatha sithuba emva kwesiganeko esifanelekayo (ukulahlekelwa ngumsebenzi okanye ukuhlukanisa, umzekelo) ukubhalisela i-COBRA. Isiganeko esibangela ukuba ulahlekelwe ukufikelela kwisicwangciso sakho esixhaswe ngumqeshi siza kubangela ixesha lokubhalisa elilodwa elingapheliyo kwi- Care Affordable Care Act yakho yoshishino lomshuwalense (okanye isicwangciso esilungelelaniso se-ACA esinikezwe ngaphandle kwintengiso).
Unayo i-window yeentsuku ezingama-60 ukuze ungene ngemvume, kungakhathaliseki ukuba uya kukhetha ukuqhubeka nesicwangciso sakho esixhaswe ngumqeshi ngeCOBRA, okanye ukhethe isicwangciso somthengiso esitsha ngokutshintshiselana (okanye ukutshintshiselana, nangona inkxaso-mali ye-ACA premium azifumaneki ngaphandle kokutshintshiselana).
Ngeentsuku zokuqala ze-Obamacare, umgaqo wukuthi ukuba ukhethe ukuhamba ne-COBRA, ixesha lakho lokubhalisa okhethekileyo kwiimarike ziya kugqitywa ngelo xesha, kungakhathaliseki ukuba uninzi lweentsuku zakho ezingama-60 lidlule. Ngokomzekelo, ukuba ukuxhomekeka komsebenzi wakho kuya kuphela ngomhla ka-30 kaJuni kwaye ukhethwa ngoJulayi 15 ukuba uqhubeke noCOBRA, ngokuqinisekileyo ulahlekelwe iintsuku ezingama-45 zokugqibela zobhaliso olukhethekileyo obunakho ngokukhetha isicwangciso somntu ngamnye.
Kodwa oko kwatshintsha ekupheleni konyaka we-2016. I-HHS yaqaphela ukuba abanye abantu babhalisela i-COBRA ngexesha lokuphuma kwabo ngodliwano-ndlebe xa beyishiya imisebenzi yabo kwaye bekwenza njalo ngaphandle kokuqonda ngokupheleleyo ukuba iindlela zokuthengisa iimveliso kunye namanani athelekiswa nokugcina isicwangciso esixhaswe ngumqeshi. neCOBRA. Ngoko imithetho yaguqulwa ukuze ivumele abantu ukuba babe nexesha elipheleleyo lokubhaliselwa okhethekileyo lweentsuku ezingama-60 kwikarhwebo nganye, kungakhathaliseki ukuba bayamkela i-COBRA okanye cha .
Ifowuni yokubhalisa kweentsuku ezingama-60 kumntu ngamnye wemarike (oko kukuthi, uhlobo oluthengayo ngokwakho, ngokuqhelekileyo ngokutshintshiselana kwe-Obamacare, kodwa ngokukodwa nakwabatshutshisi) luqala umhla oza kuxhaswa ngumqeshi oxhaswe ngumqeshi-okanye unokuphela uma unayo Ndiyamkela iCOBRA.
Nangona ukhetha i-COBRA kusasa kule festile, usenayo i-60 imihla epheleleyo ukukhetha indawo yesicwangciso somntu ngamnye. Oku kunokunceda xa abantu befumana imeko apho iplani yabo exhaswe ngabaqeshi iphelile phakathi kwenyanga kwaye iphakathi kwonyango. Kwimeko apho, umhla wokuqala osebenzayo wokuthengisa isicwangciso semarike nganye esithengiweyo ekutshintshiseni yayiza kuba ngowokuqala kwinyanga elandelayo.
Kodwa i-COBRA ingasetyenziselwa ukumboza intsalela yenyanga apho icebo elixhaswe ngumqeshi liya kupheliswa, kwaye umntu unokutshintshela kwisicwangciso ngasinye somrhwebo ukuba oko kunika ixabiso elingcono.
Emva kokuba iifestile yeentsuku ezingama-60 iphelile, awunakho ukhetho lokunyula i-COBRA ukuba awunayo, kwaye awusenayo inketho yokukhetha isicwangciso somntu ngamnye ukuba sele ukhethe okokuqala kwiCOBRA endaweni (uya kuba ithuba lokutshintshela kwisicwangciso ngasinye somrhwebo ngexesha elizayo lokubhalisa , eliza kwenzeka rhoqo ngonyaka, kodwa ukhetho lokunyula i-COBRA linyamalale ngokukhawuleza okokuqala ifowuni iphela).
Ngoko kubalulekile ukuba ukhethe ngokuhlakanipha, njengoko uza kuvalelwa ukhetho lwakho ubuncinane kwexesha emva koko. Kodwa umgaqo okhululekile wokubhaliswa okhethekileyo kwiimarike (xa unako ukufikelela kwi-COBRA) kuthetha ukuba ungathatha ixesha lakho kwaye usenokutshintsha ingqondo yakho, ngokungakhathaliseki ukuba ukwenzile kwiintsuku ezingama-60.
Ngaba Ndinokufumana inkxaso-mali ye-Obamacare yokuNceda ukuhlawula i-COBRA?
Nombini i- premium yerhafu ye-premium yenkxaso-mali ye-inshorensi yempilo kunye nenkxaso -mali yokwabelana ngeendleko ezikhoyo kwi-Marketplace ingasetyenziselwa kuphela izicwangciso zempilo ezithengiweyo kwi-Marketplace . Ukuba uthenga i-inshurensi yempilo kwi-Marketplace, nokuba ingaba i-COBRA yokuqhubela phambili okanye i-inshurensi yempilo yabucala, awukwazi ukusebenzisa inkxaso-mali ye-Obamacare ukuba ilahle iindleko.
Ngaba i- Offer ye-COBRA inshurensi ingenza ukuba ndingabonakali kwi-Obamacare Subsidy?
Inombolo. Ukunikezelwa ngokukhawuleza kwe-COBRA akuchaphazeli ukukwazi kwakho ukufumana inkxaso-mali ye-Obamacare. Kodwa, ukuba usebenzise inzuzo yenkxaso-mali, kufuneka uhlawule i-COBRA yakho kwaye ubhalise kwisicwangciso se-Obamacare ngokusebenzisa utshintshi lwe-inshurensi yempilo ngexesha lakho lokubhalisa okhethekileyo lweentsuku ezingama-60. Kuya kufuneka uhlangabezane nemali engenayo kunye nezinye iimfuno ukuze ufumane inkxaso-mali.
Ukuba ndilahleka okanye ndisuse Umgangatho wam COBRA, ngaba ndiyakwazi ukufumana inkxaso-mali ye-Obamacare?
Ingayiyo. Ukulahlekelwa okanye ukurhoxisa i-COBRA yakho akunakulungeleli ukuba ufumane inkxaso-mali ye-Obamacare, kodwa kunokuchaphazela ukufaneleka kwakho kwisicwangciso se-Obamacare. Ekubeni unokusebenzisa kuphela isibonelelo ngesicwangciso se-Obamacare, ulungelelwaniso lwenkxaso-mali ayikukunceda nonke ukuba awufanelekanga ukubhalisela isicwangciso sezempilo sase-Obamacare.
Ukuba ulahlekelwa yinshuwalense yezempilo ye-COBRA ngenxa yokuba iinyanga ze-18-36 zeemfuno ze-COBRA ziphelile, uvumelekile ukuba ubhalise ixesha elimisiweyo eliyiminyaka engama-60 kwi-Marketplace (efanayo nexesha lokufaneleka elisebenzisayo xa uqale uvumelekile kwi-COBRA ). Ungabhalisa kwisicwangciso seMarketing uze ufake isicelo se-subsidy ngeli xesha lokubhalisa okhethekileyo.
Ukuba ngokuzithandela unqanyulile i-COBRA yakho okanye ulahlekelwe yinto yokuba awuzange uyihlawule iiprimiyam , awuyi kufumana ilungelo lokubhalisa kwi-Marketplace. Uya kufuneka ulinde kuze kube yithuba elilandelayo lokubhalisa elivulekile ukubhalisela isicwangciso se-Obamacare. Ngethuba lelo xesha lokubhalisa elivulekile, unokufaka isicelo sesibonelelo se-inshorensi yempilo yengxowa-mali ye-premium kulabo abanemali engaphantsi kwe-400% kwinqanaba lehlwempu lolawulo kunye ne-subsidy-sharing subsidy kulabo abaneengeniso ezingaphantsi kwe-250% ye-FPL.
Ndenze ntoni?
Xa uqala ukufaneleka kwi-COBRA, jonga ngenyameko imeko yakho yezemali kunye nophando malunga nokuba iimpompo zakho ze-COBRA ziya kuba ziphi . Zibuze ukuba uza kukwazi ukuhlawula iipresimum ze-COBRA ezinikezela utshintsho kwiimeko zakho zezemali ezibangelwa isiganeko sakho esifanelekileyo.
Emva koko, fumana ukuba ngaba uya kulungelelwa uncedo lokuhlawula i-inshurensi yempilo oyithengayo kwi-Marketplace. Ukuba unelungelo lokufumana inkxaso, ingakanani isicwangciso se-Obamacare esifana neendleko zakho zokuhlawula emva kwe-mali?
Thelekisa iindleko zakho zenkxaso-mali ye-Obamacare ngeendleko zakho zokuqhubeka kwe-COBRA. I-Factor kwinqanaba lakho lokuthuthuzela kunye nesicwangciso sakho sempilo esikhoyo ngokubhekiselele kwizicwangciso zonyango, kwaye usekelwe kwisigqibo sakho kulezo zinto.
Imithombo:
HealthCare.gov. Umgangatho weCOBRA kunye neMakethe.
> HealthCare.gov. Iglosari: > Isikhathi sokuBhalisa esikhethekileyo
Kaiser Family Foundation. I-Tag Reform FAQs Tag: I-COBRA
I-United States Isebe lezabasebenzi, Ulawulo lweeNkonzo zoKhuselo loKhuseleko. Imibuzo ye-FAQ malunga ne-COBRA yokuqhubekeka kwempilo.