Gweba isohlwayo serhafu ngokungaqiniseki
Ukuba uhlala eUnited States kwaye unayo i- inshorensi yempilo , uza kuhlawulwa irhafu ngaphandle kokuba ufumane umshuwalense wezempilo . UMthetho weCandelo loNgeniso lweMali kunye noMsebenzi, owenziwe ngoDisemba 2017, uya kuphelisa isigwebo sokugunyazwa ngabanye ukususela ngowama-2019 . Kusekho isohlwayo sokungaqiniseki ngo-2018 (oya kuhlolwa kwiimbuyekezo zerhafu ngo-2018, ufakwe ngo-2019), kodwa kuya akusayi kuba sisihlwayo sokungaqinisekiswa ngo-2019 nangaphezulu.
Uninzi lweendlela ezikufanelekelayo ukuxolelwa kwe-inshorensi yempilo zinqunywe kwaye zome. Nokuba ungumntu waseMerika, okanye awukho. Kungakhathaliseki ukuba unobulungiseleli benkonzo yokunakekelwa kwempilo, okanye awunayo. Ingaba isicwangciso esiphantsi kweendleko ezikhoyo kwindawo yakho sithathwa njengexabiso elifanelekileyo, okanye akusiyo (ukukwazi ukukwazi ukufumana ukuxhaswa kwexabiso kungekelwe kwipesenteji yakho yemali engenayo; ngo-2018, i-8.05 iphesenti yengeniso yakho ). Ukuphonononga izi khrayitheriya ezinqambileyo kunye nezomileyo, khangela " Unokufumana ukukhutshwa kwe-inshurensi yempilo? "
Umqathango owodwa wokuxolelwa owenziwe ngegumbi elinesigqirha kukuxolelwa kanzima. Nakhu okufuneka ukwazi malunga nendlela yokufumana ukukhutshwa kabuhlungu kwi-ACA.
Ukuxhatshazwa Kobunzima-Iisiseko
Kukho iindlela ezintathu ezisisiseko zokufumana umxolelongwane obunzima kumyalelo ngamnye:
- Kukho into eyenzekayo kuwe ukuba ingalindelekanga kwandisa iindleko zakho zokuphila ezibalulekileyo. Ukongezwa kweendleko zakho ezibalulekileyo kwenza ukuba ungakwazi ukufumana inshorensi yempilo.
- Iindleko zokuthenga i-inshorensi yezempilo ziyakwenza ukuba unqatshelwe ukutya, indawo yokuhlala, iimpahla okanye ezinye izinto eziyimfuneko.
- Ezinye izimo zithintele ngokusemthethweni ukuba ufumane inshuwalense yezempilo, okanye wenze ukuthengwa kwe-inshorensi yempilo umthwalo ogqithiswa nguRhulumente.
Ukuxhatshazwa kobunzima-Iinkcukacha
Ekubeni imithetho esemiselweyo ibanzi ngokubanzi, urhulumente wesigqeba unikeza izikhokelo zokunceda ukutshintshiselwa kwe-inshurensi yezempilo kubonisa ukuba ungayisebenzisa njani imigaqo kubantu kunye neentsapho ezicela ukuxolelwa.
Nantsi ulwimi olucacileyo, isishwankathelo esifanelekileyo salezo zikhokelo.
Ukutshintshwa kwe-inshurensi yempilo yakho yombutho uvumelekile ukunikezela ukuxolelwa kanzima ukuba enye yezinto ezilandelayo ikuthintele ukuba ufumane inshuwalense yezempilo:
- Awunakhaya.
- Ukhutshwe kwiinyanga ezintandathu zokugqibela.
- Ujongene nokukhutshwa okanye ukuchithwa.
- Ufumene isaziso sokuvalwa kwiinkampani zakho zokusebenza.
- Ufake i-bankruptcy kwiinyanga ezintandathu zokugqibela.
- Unamatyala amaninzi ngenxa yeendleko zonyango kwiinyanga ezingama-24 ezidlulileyo.
- Ukunyamekela ilungu lentsapho eligulayo, elikhubazekileyo okanye eliguga ngokungalindelekanga kwandisa iindleko zakho zokuphila ezibalulekileyo.
- Usandul 'ubundlobongela basekhaya.
- Ilungu losapho elisondeleyo latshonje.
- Usandul 'umlilo, umkhukula, okanye enye inhlekelele eyenza umonakalo omkhulu kwipropati yakho.
- Awunakufaneleka kwiMedicaid kuphela ngenxa yokuba urhulumente wakho akazange akwandise ukukhutshwa kweMediicaid njengoko kulandiswe nguMthetho woNonophelo ongenakunciphisa . INkundla Ephakamileyo yathetha ukuba amazwe ayengenako ukukhulisa ukufaneleka kwabo kuMedicaid ukuba abazange bafune. Ukuba urhulumente wakho ukhetha ukungawwandisi umgca we-Medicaid kodwa uza kuba uvumelekile ukuba ukwandisa iMedicaid, unakho uvumelekile ukuxolelwa kobunzima (inqaku lokuba nangona oku kuluhlu lwezinto ezinokufanelekela umntu ukuxolelwa kanzima, I-IRS nayo inegalelo elihlukileyo lokuxolelwa kwezigwebo kubantu abakule meko).
- Umntwana wakho unokufanelekela ukuxolelwa kolukhuni xa umntu enikwe inkundla ukuba anike inkxaso ngenkxaso. Umntu onikwe igunya lokubonelela ngenkxaso yonyango akakwazi ukuba ngumntu ofanayo obiza umntwana njengomxhomekeke kwerhafu. Umntwana kufuneka anqunywe ngokungafanelekanga kwi-Medicaid kunye neSicwangciso seNtshumo yeNtanethi yeMpilo yabantwana . Ekugqibeleni, ukukhululwa kulungile kuphela kwiinyanga eziya kusebenza ukuba umyalelo wokuncedisa unyango.
- Unokuba uvumelekile ukuxolelwa kolukhuni ukukhusela iinyanga ezingenayo i-inshorensi yezempilo ukuba ukufaneleka kukubhenela isigqibo sokuba ufanele ukufaneleka ngexesha leenyanga.
- Zonke izicwangciso ezikhoyo kwintsebenziswano kwingingqi yakho ziquka ukukhutshwa kwesisu, kwaye uyazichasene nelo (le mvume yongezwa ngo-Apreli 2018 ).
- Azikho izicwangciso ezifumanekayo kwintsebenziswano kwimimandla yakho (le mvume yongezwa ngo-Apreli 2018; akukabikho iindawo zelizwe apho kungekho zintsebenziswano ezikhoyo, nangona iindawo ezininzi zazisengozini ye-2018. akukho nto ibonisa ukuba kuya kuba neendawo ezingenakucwangciselwa izicwangciso ze-2019, kodwa akusayi kuphinda kubekho isohlwayo sokungaqinisekwanga ngo-2019. Nangona kunjalo, ukukhululwa kwesi sikhundla kuya kwandisa inyanga enye ngaphambi komnyaka wokubhalwa umbuzo, ngoko kufuneka isetyenziswe ngo-Disemba 2018, kwingingqi apho kungekho bhoksthi enikeza izicwangciso ze-2019).
- Kukho i-insurer eyodwa kuphela eyenzela izicwangciso zokutshintshiselana kwindawo yakho kwaye "unokubonisa ukuba ukungabikho kokukhetha kukwenqabela [ukufumana] ukufumana ingxelo phantsi kwecebo [lempilo elifanelekileyo]. (Oku kuxoxwa ngo-Apreli 2018).
- Unobunzima obusekelwe kwizinto ozikhethayo kunye nezidingo zakho zonyango. Umzekelo, ukuba ufuna ukufikelela kwi-specialist ethile kwimeko yezokwelapha kwaye akukho naziphi izicwangciso zempilo ezikhoyo kwintsebenziswano kwingingqi yakho zibandakanya iingcali kumanethiwekhi abo. (oku kuxoxwa ngo-Apreli 2018).
Nasi umzekelo wendlela oku kusebenza ngayo. Ukhululwe ngenxa yokuba i- premium yakho yexabiso eliphantsi kakhulu kwisicwangciso sonyango ekutshintshiseni yayingaphaya kwe-8.05 iphesenti yengeniso yakho (le nombolo ilungiswa rhoqo ngonyaka kwixabiso lentengo ). Uqale ujikelelwe ukuba uncedise ukuhlawula i-inshurensi yezempilo, kodwa wathintela isigqibo malunga nenkxaso-mali. Okwangoku, awuzange ube ne-inshorensi yezempilo.
Ekugqibeleni, uyaphumelela sakho isibheno kwaye ufumana inkxaso-mali ye-premium , ngoko unako ukufumana i-inshorensi yempilo. Nangona kunjalo, oku kuthetha ukuxolelwa kwakho ngenxa yokuba u-inshorensi yezempilo yayimali ebiza kakhulu ngoku. Ngoko, unokufaka isicelo sokuxolelwa kolukhuni ukuba uhlawule iinyanga ozingenayo i-inshorensi yezempilo kuba ulindele isibheno.
Esi sigqibo sobheno sinokuthi ngaba ufanelekile ukubhaliswa kwisicwangciso sempilo yomshuwalense wezempilo, ufanelekile kwiintlawulo eziphambili zenkxaso-mali yerhafu ye- premium , okanye uvumelekile ukufumana inkxaso -mali yokwabelana ngeendleko .
Ukuze ufunde ukuba kutheni ungaxolelwa ngenxa yokuba i-premium yexabiso eliphantsi kakhulu lezempilo lemali kwishintshintshini yakho ingaphezulu kwe-8.05 yepesenti yengeniso yakho ngo-2018, okanye uluhlu lwezinye iikhokelo ezikhoyo, funda eli nqaku . Uza kufunda ngeendlela zokufumana ukukhululwa kumyalelo ngamnye ongabandakanyi ukubiza ubunzima.
UMtyholi kwiNgcaciso
Kukho iingqinamba ezimbalwa ezibalulekileyo malunga nezikhokelo ezingentla zingasichaphazela isigqibo sakho sokufaka isicelo sokukhutshwa komxhelo.
Okokuqala, ubunzima obuchazwe kwisikhokelo kufuneka kukuthintele ukuba ufumane inshorensi yempilo. Ngokomzekelo, nangona ukufa kwangoku kweso sihlobo sisondele kwisikhokelo, akunakwenzeka ukuba ufumane ukuxhomekeka kobunzima ukuba eso sihlobo sasingumzalwana onesiqingatha ongenakuze udibane kunye nokufa kwakhe akubanganga nefuthe kwiimeko zakho zemali okanye ubuchule bakho bokufeza imisebenzi yemini yemihla ngemihla. Xa ugcwalisa iphepha lokuxolelwa, kuya kufuneka uchaze indlela iimeko ezithile ezikuthintele ngayo ukufumana inshuwalense yezempilo.
Okwesibini, utshintsho lwempilo yomshuwalense olawulwa nguRhulumente waseburhulumenteni usebenzise ezi zikhokelo, kodwa utshintshiselwano lwaloo mhlaba lungenako (39 ithi isebenzisa i-HealthCare.gov; Ukutshintshiselana kwamanye amazwe kuvunyelwe ukuguquguquka kwemigqaliselo ethile yeemeko ngokukhawuleza ukuba banikezela ukuxolelwa kubantu abahlangabezana nenye yeendlela zokuqala ezintathu. Akunakufuneka basebenzise ezi zikhokelo ezichanekileyo ukuqinisekisa ukuba zeziphi iimeko ezibangela ukuba abantu bahlangabezane nenye yeendlela eziyimfuneko ezintathu.
Okwesithathu, ezininzi zezikhokelo zinemiqathango yokunciphisa ixesha njengesikhokelo esinikeza ukuxolelwa kanzima ukuba ukhutshwe kwiinyanga ezintandathu zokugqibela. Umda wexesha uya kuba nefuthe ixesha lokuxolelwa kwakho ubunzima. Ngokomzekelo, ukuba uphunyezwe ngoJanuwari, uya kuba nokukhululeka kobunzima ukususela ngoJanuwari ukuya kuJuni, kodwa kufuneka ufumane i-inshorensi yempilo ngo-Julayi okanye uza kujongana nesohlwayo sentela.
Ukuba ukuxolelwa kuphelelwa yisikhathi ngexesha lakho lokutshintshwa kwe-inshurensi yezempilo ayamkeli izicelo ze-inshurensi yezempilo ngenxa yokuba ayibhalisi oluvulekile , ungakhathazeki. Ukukhutshwa kwakho kokuphelelwa yisizathu kukunika ithuba lokubhalisa ixesha elilodwa .
Ngokufanayo, ukuba imeko eyakufanelekela ukukhululwa kobunzima iyayeka ukuhlala, umzekelo, awusayi kuhlala, uya kuba nelungelo lokubhalisa ixesha elilodwa lokubhalisa kwi-inshurensi yezempilo.
Indlela Yokufumana Ukukhutshwa Kobunzima
Ukuba ucinga ukuba unokufaneleka, faka isicelo sokuxhaswa kobunzima ngokusebenzisa utshintshi lwezempilo. Ukubonwa kwesicelo sokuxolelwa kolukhuni ukusetyenziswa kwe-inshorensi yempilo yomshuwalense waseburhulumenteni usebenzise ukuba unokwazi olunjani ulwazi olufunekayo ukuqokelela, kodwa khumbula ukuba isicelo sakho sikarhulumente sinokuhluka.
Fumana ulwazi loqhagamshelwano lwenkonzo ye-inshurensi yezempilo.
Ukuba uvunyiwe ukuxolelwa kolukhuni ngurhwebo lwakho, uya kuthi ke ukukhululwa xa ufaka irhafu yakho yentlawulo. Kodwa ukukhululwa ngokwawo kufuneka kunikwe ngeshishitshi-ayikwazi ukunikezelwa yi-IRS (ezinye iimpazamo zifumaneka kwichitshintshi, kunye nabanye kwi-IRS).
Imithombo:
ISebe lezeMpilo kunye neNkonzo zoLuntu. Iziko loLwazi loThengi kunye noLawulo lweNtshuwalense. > Isikhokelo kwiiNgxaki zobunzima obuvela kwiNkxaso yoBuntu ngabanye abonelelwa ngabantu abajongene neCandelo eliKhethekileyo eliKhuselekileyo okanye kwezinye iimeko. Aprili 9, 2018.
Cohen, Gary, umlawuli wee-CMS kunye neCandelo loMlawuli weeNkcukacha zabathengi kunye noLawulo lwe-inshurensi (iSebe lezeMpilo kunye neenkonzo zoLuntu). Isikhokelo kwiNkcazo yokuXhoxiswa koBunzima kunye neeNyanga zokuBhalisa eziKhethekileyo . Juni 23, 2013.
HealthCare.gov. UkuXhoxiswa kobunzima, iiFomu kunye nendlela yokufaka isicelo.
INkonzo yeNgeniso yangaphakathi. Ukunikezelwa kweMfanelo ngabanye ngabanye - Ukuxolelwa: Ukumangalelwa okanye ukubika.
Volk, JoAnn. IsiGqeba seMpilo yeNyuvesi yaseGeorgetown. > Ukuqonda Iimviwo zeeNkcazo eziKhethekileyo: Ukujonga Abanye Abaya Kuphuma Ngenhlanhla. Epreli 3, 2014.