Ukuba untsha kwi- inshorensi yempilo e-United States, uya kufumana kubiza. Kodwa iindleko akuyona yodwa ingxaki kubaqalisi abazama ukufumana inshorensi yempilo. Kwakhona inkqubo eyinkimbinkimbi eneengongoma ezininzi zokungena. Ekubeni unako ukufumana i-inshorensi yempilo evela kwimithombo eyahlukeneyo, umzekelo, urhulumente, ukusuka kwiphepha lakho okanye eyunivesithi, okanye kwinkampani yomshuwalense yabucala, akusoloko kucacisa apho kufuneka uqale ukukhangela xa uthengela i-inshurensi yezempilo ephantsi.
Ngaphambi kokuba uxoxe ngeendlela ozikhethayo kwi-inshurensi yezempilo ekhululekile okanye ephantsi, qonda into enye: umshuwalense wezempilo awunakukhululeka kwaye awunqabile ngokwenene kwiindleko eziphantsi. Intshuwalense yezempilo ekhululekile okanye indleko ephantsi ukuba uthethe enye yezinto ezimbini
- Omnye uncedisa iiprayimari zenyanga ukuze ungahlawulisi iindleko ezipheleleyo.
- Iingeniso ziye zancitshiswa ukwenzela ukuba i-coverage oyithengayo ayikho i-inshorensi yempilo epheleleyo; kungabonakali kakhulu.
Emva koko, uza kufumana iinketho ezininzi ze-inshorensi yezempilo ekhululekile okanye ephantsi, kunye nenkcazo yokuba ngubani ofanelekileyo, indlela yokufaka isicelo, kunye noko ukulindela.
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I-inshurensi yempilo ephantsi okanye ixabiso eliphantsi Ikhefu 1: UxilongoI-Medicaid yinkqubo yenhlalakahle yentlalontle enika i-inshurensi yempilo ebanzi ngokubanzi kubantu abanomvuzo ophantsi. I-Medicaid i-inshurensi yezempilo yamahhala kulabo abafanelekileyo. Kwiimeko ezininzi, akukho mali-premium zenyanga, kwaye akukho nto okanye ukwabelana ngeendleko ezincinci ngendlela yokwehliswa kwemali okanye iikopi.
I-Medicaid isebenza ngokungafaniyo kummandla ngamnye, kodwa ukuba ufaneleke, kufuneka uhlangabezane nezikhokelo eziphantsi kwembuyekezo. Kwiindawo ezininzi, uza kufumana iMedicaid ukuba ingeniso yakho yi-138% yezinga elihlwempuzekileyo lombutho okanye ngaphantsi. Nangona kunjalo, ezinye iindawo zineenkqubo ezifanelekileyo zokufaneleka. Kuloo mazwe, kufuneka udibanise izikhokelo ezingenayo imali kwaye ube nelungu leqela elijongene nempilo elinjengezilwanyana ezinjengezilwanyana ezikhuselekileyo ezifana nomfazi okhulelwe, umntu osekhulile, umfama, ukhubazekile okanye umntwana.
I-Medicaid inokufumaneka kubantu abavela kwamanye amazwe abahlala ngokusemthethweni eMelika iminyaka emihlanu okanye ngaphezulu xa behlangabezana neemfuno zokufaneleka. I-Medicaid ayidla ngokufumaneka kwabangaphandle kwamanye amazwe, nangona kunokuba kubekho ukungafani nezinye izinto ezinjengexesha elifutshane lokukhawulelana noxilongo kwiimeko ezixakeka, kunye nokukhawuleza kwenkxaso yabasetyhini abakhulelweyo.
I-Medicaid ihlawulwa yerhafu yombuso kunye norhulumente. Ukuba ufumana iMedicaid, abahlobo bakho, abamelwane kunye nabemi bemi bahlawula unyango lwempilo kunye neerhafu zabo zerhafu. Nangona i-Medicaid i-inshurensi yempilo yorhulumente, ininzi yolondolozo olunikezelwa abaxhamli beMedicaid linikezelwa ngamashishini abucala kunye nababoneleli bezempilo. Ukuba ufumana iMedicaid, mhlawumbi uza kunyamekelwa kwizibhedlele ezifanayo kunye noogqirha ofanayo kunye nabamelwane bakho kunye ne-inshurensi yempilo yabucala.
Unokufaka isicelo seMedicaid nge-Care Affordable Care Act yoshishino lomshuwalense okanye ngokuqhagamshelana neprogram ye-Medicaid yelizwe ngqo.
- Indlela iMedicaid isebenza ngayo
- Yintoni eyahlukileyo phakathi kweMedicaid & Obamacare?
- Ngaphandle Kwam umzimba Wangafileyo-Indlela I-Medicaid Ifuna Ngayo Imali Emva Kokufa Kwawe
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I-Intshurensi yezeMpilo yeNtlawulo yeeNtlawulo eziMahla okanye eziNcinciIntsholongwane yezempilo yesikhashana ihlala ihlawula ngaphantsi kwe-inshorensi yempilo. Ngenxa yesi sizathu, kuyindlela ekhangayo kwabanye abantu abafuna ukuxhaswa kwexeshana. Izicwangciso zexesha elifutshane zifumaneka kwiinyanga ezi-ezintandathu zokufikelela. Abakwazi ukuhlaziywa. Kwamanye amazwe, ungathenga enye inkqubo yeenyanga-6 i-short-term policy emva kokuba iyokuqala iphela, ngokuyinhloko ukunika unyaka owodwa wokunika ingxelo. Kwamanye amazwe, awuvunyelwanga ukubuyisela ukubuyela emva kwexesha le-inshorensi yezempilo yangexesha elide, ngoko uya kufikelela kumyinge ophakamileyo ezintandathu.
Nangona i-inshorensi yempilo yexesha elifutshane ingaba yinkcitho ye-inshorensi yempilo ephantsi, ayikulungele wonke umntu. Kwenye into, ayinelisekanga imfuno ye- Career Affordable ukuba ibe ne-inshorensi yempilo epheleleyo, ngoko ayiyi kukunceda ukuba ugweme isohlwayo sentela ukuba ungaqiniseki .
Ukongezelela, iiprogram ze-inshorensi zempilo zangexesha elifutshane azidingeki ukuba zilandele yonke imithetho engabonakaliyo yoMthetho weNtatheli. Ngokomzekelo, umgaqo-nkqubo womshuwalense wexesha elifutshane ungasifaka i-cap kwiingenelo, ukunciphisa ilahleko zokulahlekelwa kwintlawulo yenkxaso-mali xa uqala ngokugqithiseleyo (kwaye uyagula) xa ugula. Intsholongwane yezempilo yesikhashana ayifanele ihlawule zonke iinkonzo zezempilo ezibalulekileyo. Ngokomzekelo, akunakho ukugqithisa ukunakekelwa kwabazali okanye ukulawulwa kokuzalwa .
Iinkampani ze-inshurensi zingafaka abafakizicelo ithuba lomshuwalense wexesha elifutshane ngenkqubo yokubhala phantsi, ngoko uya kuhlawuliswa ngakumbi ukuba unemeko ekhoyo ngaphambili . Unokutshintshwa ukuba ufumane ingxelo ngokubanzi ukuba umgcini-mpahla uvakalelwa kukuba unomngcipheko omkhulu wokuqinisekisa. Nangona kunjalo, ukuba usemncinci, uphilile, kwaye unobungozi obuncinane beebango ezibizayo kwi-inshurensi, i-inshorensi yempilo yangexesha elifutshane ingaba yinkampani ye-inshorensi yezempilo engabonakaliyo.
Unokuthenga ipolisi yomshuwalense wexesha elifutshane ngokukodwa kwinkampani ye-inshorensi yezempilo, sebenzisa i-agent yakho yomshuwalense, fumana i-inshurensi ye-inshurensi okanye umthengisi kwiwebhusayithi yeSizwe ye-Underwriters ye-Health, okanye usebenzise unxibelelwano olungasese karhulumente ngokutshintshiselana kunye ehealthinsurance.com. Nangona kunjalo, i-inshurensi yempilo yexesha elifutshane ayithengiswa kwi-Care Affordable Act.
- Yintoni Enhle Ngomshuwalense Wexesha Elifutshane?
- Yintoni omele uyiqaphele nge-inshorensi yexesha elifutshane
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I-Intshurensi yezeMpilo yeNtlawulo yeeNtlawulo eziMahla okanye eziNcinci Ikhetho 3: Inkxaso ye-ObamacareUmthetho ononophelo loNonophelo unika inkxaso mali karhulumente ukwenzela ukuthenga i-inshurensi yempilo engabizi kangako kubantu abaneemali ezithobekileyo, kwaye bancede benze zombini ukuthenga kunye nokusebenzisa i-inshurensi yempilo engabizi kangako kubantu abaneemali eziphantsi.
Ukuba unemali engenayo phakathi kwe-100% kunye no-400% kwinqanaba lehlwempu, ufanelekile ukufumana inkxaso-mali yerhafu ye- premium . Ukuba uyayifumana le mali, urhulumente uhlawula inxalenye ye-premium yakho yenyanga yomshuwalense wezempilo, kwaye uhlawula yonke into.
Ukuba ingeniso yakho iphakathi kwe-100% kunye ne-250% kwinqanaba lehlwempu, awuzukufumana kuphela urhulumente uncedo lokuhlawula i-inshorensi yezempilo, unokufumana uncedo olongezelelweyo urhulumente ukuhlawula i- deductible yakho, i-copays kunye ne- coinsurance xa usebenzisa yakho inshorensi yempilo. Oku kwaziwa njengenkxaso -mali yokunciphisa indleko .
Ezi zincediso zingasetyenziselwa ukuthenga i-inshorensi yezempilo yase- Obamacare edayiswe kwi-inshorensi ye-Care Affordable ye-Care Act, eyaziwa ngokuba yi-Marketplace. Akunakusetyenziswa ukuhlawula i- inshorensi yempilo ngomsebenzi wakho okanye isicwangciso sezempilo esithengiweyo kwi-Marketplace. Imali-mali ye-Obamacare ayifumaneki kubantu abavela kwamanye amazwe. Nangona kunjalo, abaninzi abasemthethweni abahlala kwamanye amazwe bangafaka isicelo. Funda kabanzi malunga nabafuduki kunye ne-Obamacare evela kwi-HealthCare.gov apha.
Ukuba ungumhlali wezomthetho, unokufaka isicelo sesibonelelo se-inshorensi yezempilo kwaye ubhalise kwisicwangciso sezempilo kwi-inshurensi yempilo yomshuwalense esebenza ngurhulumente wakho okanye urhulumente wesigqeba. Fumana utshintsho lwempilo yomshuwalense wezempilo usebenzisa le sixhobo.
- Indlela yeNkxaso yeNkxaso yeNkxaso-mali ye-Intshumo yeNtlawulo yeNkcazo
- Indlela yoNcediso lweNkxaso-mali eSebenza ngayo
- Indlela iNcediso ye-inshurensi yempilo enokukuhlawula ngayo i-Big-Time
- Kutheni ungafanelanga ukuxhaswa kweNtshuwalense yezempilo
- Ubani Ubhaliso oluvulekileyo kwi-Obamacare ye-inshurensi yempilo yomshuwalense?
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I-Intshurensi yezeMpilo yeNtlawulo yeeNtlawulo eziMahla okanye eziphantsiAbaqeshi abaninzi eUnited States bancedisa i-inshurensi yezempilo kubaqeshwa babo kunye neentsapho zabo zabasebenzi njengenxalenye yeenzuzo zabasebenzi kunye nephakheji yembuyekezo. Oku kuyaqhelekileyo kubaqeshwa bexesha elipheleleyo beenkampani ezinkulu. Akuqhelekanga kubaqeshwa bexesha elifutshane okanye kubasebenzi bamashishini amancinci.
Nantsi indlela esebenza ngayo. Xa ufumana umsebenzi oza kunye nenzuzo yomshuwalense yezempilo, unesiqingatha sithuba sokuba ubhalisele i-inshurensi yezempilo umqeshi wakho. Ukuba awuyi kubhalisa ngaphambi komhla wokugqibela, uya kufuneka ulinde kude kube yonyaka ozayo wokubhalisa ovulekile .
Umqeshi wakho unokunika isicwangciso esisodwa sezempilo, okanye unokunika unyulo oluninzi ekufuneka ukhethe. Emva kokuba ubhalise kwisicwangciso sezempilo esixhaswe yinkampani, kukho ixesha elifutshane lokulinda ngaphambi kokuba uqala ukuqala. Oku kufuthi ukusuka kwiintsuku ezingama-30-90.
Xa unomshuwalense wezempilo oxhaswe ngumqeshi, umqeshi wakho uhlala ehlawula inxalenye yeeprisimenti zenyanga kwaye uhlawula inxalenye yeeprisimenti zenyanga. Isabelo sakho seprayimenti sithathwe kwi-paycheck ngokuzenzekelayo ngoko akudingeki ukhumbule ukuhlawula inyanga nganye. Kwiimeko ezininzi, lo kuhluthwa kwe-payroll kuthathwa kwi-paycheck yakho phambi kokuba irhafu yakho yerhafu ibalwe; Ngale ndlela, awukhokhi irhafu yengeniso kwimali oyichithele kwiimali-mali ze-inshorensi zempilo.
Ngokungafani nezicwangciso ze-Obamacare, kunye ne-inshorensi yempilo-based-job-based, umqeshi wakho akaqhelekanga kukuncedise ukuhlawula iindleko zokwabelana ngeendleko ezifana nokuncitshiswa , i- copays kunye ne-coinsurance . Nangona kunjalo, abaqeshi banokwenza iiplani zokulondoloza njengee- Akhawunti ze-Flexible Spending Accounts , ii- Akhawunti ze-Savings Health , okanye iMalungiselelo yokuBonelelwa kweMpilo ukuncedisa ukuhlawula ezi ntlawulo lula.
Kwiimeko ezininzi, xa ushiya okanye ulahlekelwa ngumsebenzi wakho , uphinde ulahlekelwe ngumsebenzi we-inshorensi yempilo. Nangona kunjalo, unakho uvumelekile ukuqhubeka le nkcazo kwiinyanga ezili-18 ngokusebenzisa i- COBRA yokuqhubela phambili ingxelo xa uzimisele ukuhlawula isabelo sakho sesahlulo seprayim kunye nenxalenye yeprayimari umqeshi wakho ohlawulayo.
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I-Intshurensi yezeMpilo yeNtlawulo yeeNtlawulo eziMahla okanye eziphantsiUkuba iqabane lakho linomshuwalense wempilo-based-based job, unakho ulungele ukufumana ingcaciso efanayo. Abaninzi abaqeshi banokwandisa isibonelelo se-inshorensi yezempilo esekelwe kumsebenzi kubafazi babo abaqeshwa, abantwana kunye nabantwana abancinci. Kumele ubhalisele le ngxelo ngexesha lokubhalisa lokuqala xa iqabane lakho liqala ukufumana umsebenzi. Ukuba ulahlekelwa eli thuba, uza kuba nelinye ithuba ngelixesha lokubhalisa elivulekileyo le minyaka.
Ukuba umqeshi womlingani wakho unikeza icebo lezempilo lenkampani kuwe nabantwana bakho, awubophekile ukuba uyamkele. Ukuba unokufumana into engcono kwi-inshorensi yempilo yakho kunye nezingane, kulungile ukuvumela umqeshi wakho ukuba afake umlingane wakho kuphela, ngelixa wena kunye nezingane zikhetha enye inqaku.
Nangona abaqeshi ngokubanzi bancedisa i-inshorensi yempilo yengqesho yomqeshwa ngokuhlawula inxalenye yeeprayimari zenyanga, umqeshi akanakho ukuxhasa inkxaso yomtshato okanye intsapho. Ukuba umqeshi womlingane wakho unikezela i-inshurensi yezempilo kwintsapho yakhe, isabelo sakho seprayimesi siya kuncitshiswa kwikhekhe lakho.
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I-Intshurensi yezeMpilo yeNtlawulo yeeNtlawulo eziMahla okanye eziphantsiUkuba uneminyaka engaphantsi kweminyaka engama-26 ubudala kwaye umzali wakho unomshuwalense wezempilo osisiseko-msebenzi, i-Obamacare, okanye uthengwa yinshurensi yempilo epheleleyo ngasese, uvumelekile ukufumana ingxelo phantsi kwesicwangciso sezempilo somzali nokuba awukho umxhasi wakho werhafu. , utshatile, okanye uhlala wedwa.
Umele ulinde kuze kube yithuba elilandelayo lokubhalisa elivulekileyo ngesicwangciso sezempilo somzali wakho ukuba ungeze kwi-inshorensi yempilo yomzali wakho. Nangona kunjalo, ukuba usandula ukulahlekelwa ngenye inzuzo yomshuwalense wezempilo, unokukwazi ukubhalisa nangaphambi kokubhaliswa okuvulekileyo ukuba uhlangabezana neemfuno zempilo yexesha lokubhalisa okhethekileyo .
Abanye abaqeshi bancedise i-inshorensi yempilo yabo yabasebenzi kuphela kodwa ne-inshorensi yempilo yabasebenzi beentsapho zabo. Abanye abaqeshi bahlawula inxalenye yee-premium zabo zee-inshorensi zezempilo kodwa abancedisi iiprayimari zamalungu entsapho.
Ukuba ngaba umzali wakho unomshuwalense wezempilo osuselwe kumsebenzi kwaye umqeshi wakhe uncedisa iipresimali zentsapho, iipresimenti zakho ze-inshorensi zempilo ziya kuhlawulelwa ngenxalenye yomqeshi womzali wakho. Zonke ezinye i-premium zenyanga ziya kuthathwa ngaphandle kokuhlawula umzali wakho. Ukuba umqeshi wakho umqeshi akancedi ukuxhaswa kweentsapho, i-premium yakho yenyanga iza kunyuswa kumvuzo wokuba umzali wakho.
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