I-COBRA Yenza Ukugcina Umgudu Wakho Ucoceke, Kodwa Akusiyo Imfuneko Yomnotho
Ukuba ulahlekelwa okanye ushiye umsebenzi wakho, qhawula umtshato, okanye ubudala obuvela kwinshurensi yezempilo yomzali wakho , unokufumana i- COBRA . I-COBRA ikuvumela ukuba ugcine isicwangciso sezempilo esixhaswe ngumqeshi oye wafumana ngaphambi kokuba ulahlekelwe ngumsebenzi okanye umtshato. Kodwa ukufaneleka kwiCOBRA akuthethi ukuba unokukwazi ukuwufumana.
Ingakanani inshorensi yakho yempilo eya kuhlawulwa phantsi kwe-COBRA incike ekubeni ingaba isicwangciso sempilo esifanayo sibiza njani ngaphambi kokuba sitshintshe kwi-COBRA.
Iindleko zee-premium ze-COBRA zenyanga ziya kuba yiindleko ezipheleleyo zeplomelo yakho yezempilo kunye ne-2 yeepesenti zentlawulo yenkonzo.
Kodwa, qinisa ukutshitshiswa kwezitika xa usetyenziselwa ukuba ube neempesimali zakho ze-inshorensi zempilo ezixhaswe ngumqeshi wakho, umqeshi wakho womlingane wangaphambili, okanye umqeshi womzali wakho. Ekubeni i-premiums ye-inshorensi yempilo esekelwe kwimisebenzi ihlawulwa ngenye inxalenye yomqeshi kwaye inxalenye yemali echithwe kwii-paychecks zakho, kuyaqhelana ukuba ungazi ukuba ixabiso eliyinyani leplumi yezempilo yakho nokuba uyayazi kangakanani na ukuphuma zakho zokuhlawula.
Abaqeshi bavame ukuhlawula ubuninzi beeprayimari ezipheleleyo (kodwa oku kuyeka xa usu tshintshela kwi-COBRA). Uhlalutyo lwe-Kaiser Family Foundation lwango-2016 lubonise ukuba abaqeshi bahlawula umyinge wama-82 ekhulwini kwindleko yabasebenzi bomshuwalense wezempilo yabo, kunye neepesenti ezingama-70 ze-premium yentsapho yabasebenzi abongezelele amalungu entsapho kwi-coverage yabo.
Ukuqaphela ama-premium akho e-COBRA, kufuneka udibanise oko umqeshi wakho abe negalelo kwii-premiums zakho kwizinto ozikhokhayo kwiiprayimesi, kwaye wongeza i-charge yepesenti ye-2 yepesenti.
Umzekelo
Masithi unama-$ 125 athathwe kwi-paycheck nganye kwi-inshurensi yezempilo. Uhlawulwa kabini ngenyanga, ngoko isabelo sakho seprayimari zenyanga zi-$ 250.
Umqeshi wakho uncedisa i-$ 400 ngenyanga malunga neeprojeyam zomshuwalense wezempilo, ngoko iindleko ezipheleleyo zesicwangciso sakho sempilo esekelwe kwi-$ 650 ngenyanga.
Ukufumana inkokhelo yeenkonzo zepesenti ye-2, phinda i-$ 650 yenyanga ye-premium nge-0.02. Uza kufumana i-$ 13. Yongeza le ntlawulo ye-$ 13 yentlawulo ye-premium ye-$ 650 kunye ne-inshorensi ye-COBRA ye-inshorensi yezempilo iya kuba yi-663 yeenyanga ngenyanga.
Kuphi ukufumana ulwazi oluyidingayo
Iingeniso zakho zomsebenzi okanye iofisi yoluntu unokukuxelela ukuba zininzi zakho iiprojums ze-COBRA, kodwa kukho imeko apho ufuna ukuyifumana ngaphandle kokumisela umqeshi wakho ukuba uyicinga ukushiya umsebenzi wakho.
Isebe lakho le-HR linokukuxelela ukuba umqeshi wakho uncedise njani inyanga nganye kwintlawulo ye-inshorensi yezempilo. Ukusuka apho, kufuneka nje ukhangele iikhokheji zakho ukuze ubone ukuba uninzi uncedisa inyanga nganye kwiiprayimari ezipheleleyo. Yongeza iminikelo yakho kwiminikelo yomqashi wakho, kwaye wongeza i-2 ekhulwini kwixabiso.
Nangona kunjalo, ukuba utshintshile kwisicwangciso sekhaya esisekelwe kumsebenzi kwi-COBRA, omnye umzekelo, ngenxa yokuba uqhawula umtshato okanye ukuguga kwisicwangciso somzali wakho, kuya kuba nzima ukubala iiprayimesi ngale ndlela ngenxa yakho asiqhathanisi iipulo kwiipulo.
Kule meko, uya kufuna ukucela i-ofisi yakho yeenzuzo okanye i-ofisi yezibonelelo zabasebenzi malunga neepomishoni zakho ze-COBRA emva kobalo-mali kwiimeko zakho zentsapho.
Ngokomzekelo, masithi ubhalise kwisicwangciso seentsapho kumqeshi womlingane wakho. Uqhawula umtshato, ngoko kufuneka uguqule kwi-COBRA kumntu oyedwa ekubeni iqabane lakho liya kuqhubeka likhusele abantwana. Igosa leenzuzo zempesheni liza kukhangela i-premium yomshuwalense wezempilo kwiplani yezempilo efanayo ngoku, kodwa usebenzisa amaxabiso omntu omnye kunokuba usapho. Uya kwandula ukuba yintoni enye inkampani eyayiza kuba negalelo kwi-premium leyo, ukuba umntu oyedwa uza kuba negalelo kwi-premium (le nto yayiya kuba yinxalenye yakho yokuncitshiswa komvuzo ukuba iqabane lakho lihlawula isicwangciso seentsapho), kunye nentlawulo ye-2 yeepesenti, ukufumana i-premium yakho ye-COBRA kunye nesicwangciso sezempilo njengomntu omnye.
Esinye isizathu soKhupheka
Njengokuba ngaba ukutshitshiswa kwesitifiketi kuhambelana nokuhlawula isabelo somqeshwa kunye nengxenye yomqeshi kwiplomelo yezempilo ayaneleyo, kukho enye i-hit hit yangaphandle kunye ne-COBRA: irhafu yentlawulo.
Xa umqeshi wakho ethatha imali kwiintlawulo zakho zonke ukuhlawula inxalenye yakho ye-premium yomshuwalense wezempilo, loo mali isuswa kwikhokheji yakho ngaphambi kokuba ihlawulwe irhafu yengeniso yakho. Ngokufanayo neminikelo yakho kwi-401 (k) isicwangciso somhlala-phantsi, iiplomelo zezempilo zempilo ezifunyenwe kwi-paycheck yakho yentlawulo yangaphambili yentlawulo zenza irhafu yakho ibonakale encinci. Iincinci zakho ezincinci zikhangeleka, i-tax income yakho iyakuhlawula.
Nangona kunjalo, xa ulahlekelwa ukufikeleleka kwenkxaso- mboleko yakho yomsebenzi kwaye utshintshe kwi-COBRA, uhlawula iimpompo ze-COBRA yakho ngemali yentela. Ulahlekelwa yintlawulo yerhafu yeeprayimenti ezithathelwa kwi-paycheck yakho ngaphambi kwentela.
Kwezinye iimeko, unako ukuhlawula le ntlawulo inokutshatyalaliswa ngokunciphisa inxalenye okanye zonke ii-premium ze-COBRA, kodwa akusiwo wonke umntu ofanelekileyo kule ntsalelo. Ukuze ufunde kabanzi malunga nabani ongathatha irhoxiso yerhafu kwiimali-mali ze-inshorensi zempilo, jonga " Ngaba iRhafu yomshuwalense wezeMpilo iyadluliswa? "
Ngaba zikhona ezinye iindlela?
Imarike yempilo yomshuwalense yodwa isoloko ibe yinto ehlukile kwiCOBRA. Ngokomlando, izicwangciso zorhwebo nganye zazingabizi ngaphaya kweCOBRA, kodwa ukubanjwa kwakukufumaneka ukuba abantu bafumane udweliso lwezonyango, oko kwakuthetha ukuba babe neempilweni ezifanelekileyo. Abantu abaneemeko zangaphambi kokuba babekho ngaphambili babengenalo i-alternative ye-COBRA.
I-ACA (i-Obamacare) yenze ezinye iindlela eziza ku-COBRA ngokwenza i-coverage kumbandela ngamnye oqinisekiselweyo kwiimarike kungakhathaliseki ukuba imbali yonyango, kunye nokubonelela ngemali-mali yeprayimenti kubafakizicelo abazithobekileyo kwimali engenayo ye-middle class (ngeembono, inkxaso-mali iyafumaneka kumntu omnye kunye nengeniso ukuya kwii-48,240 zamawaka ngo-2018, kunye neentsapho ezine ezineholo engenayo ukuya kwii-98,400 zamaRandi).
Ngoko ukuba ushiya umsebenzi okanye uqhawule umtshato kwaye ulahlekelwe ukufikelela kwisicwangciso sompilo somlingane wakho oxhaswe ngumqeshi, unomnye u-COBRA ukuba ukhetha ukufumana ingxelo kwiimarike. Ukulahlekelwa ngokukodwa kokufihlakeleyo (okubandakanya ukulahlekelwa ngumsebenzi ngenxa yokuzinikela ngokuzithandela umsebenzi) kuyisiganeko esifanelekileyo , kwaye kukunika ithuba lokubhalisa ixesha elilodwa kwiimarike, mhlawumbi ngokutshintshiselana okanye ukutshintshiselana . Oku kuyinyaniso nokuba ngaba uvumelekile ukuqhubeka nesicwangciso esixhaswe ngumqeshi nge-COBRA (phawula ukuba inkxaso-mali ye-premium phantsi kwe-ACA ifumaneka kuphela kwintsebenziswano)
Umqeshi wakho uyakukuthumela isaziso ekukwazisa ukuba uvumelekile kwi-COBRA, ingaba iya kuba yindleko kangakanani, kwaye ikuxelele ukuba unemihla engama-60 ukugqiba ukuba ngaba uqhubeka nesicwangciso sakho sezempilo kunye neCOBRA. Ngaloo xesha, unokuthelekisa intengo kunye neengxelo ezifumanekayo kuwe kwimarike nganye, kwaye unqume ukuba yeyiphi ixabiso elibhetele. Ixesha lakho lokubhalisa elikhethekileyo kwiimarike zodwa ziqhubeka ngeentsuku ezingama-60 emva kokuba ulahlekelwe ukufikelela kwisicwangciso somqeshi wakho, nokuba ukhetha i-COBRA ekuqaleni kweso festile (ngoko unokutshintsha ingqondo yakho kwaye utshintshe kwisicwangciso ngasinye somrhwebo, nangona ubhalisele i-COBRA ngaphandle kokuqonda ngokupheleleyo iinketho ezikhoyo).
Ndingafumana phi ulwazi olungakumbi malunga neCOBRA?
ISebe lezeMisebenzi yase-US lijongamela ukuthotyelwa kweCOBRA. Unoluhlu lwemibuzo ehlala ibuzwa malunga neCOBRA, kwaye unokuqhagamshelana nabo kwi-1-866-4-USA-DOL (1-866-487-2365).
ILizwi
Ukuba ulahlekelwe ukufikelela kwisicwangciso esixhaswe ngumqeshi esilisebenzele kakuhle, kuyaqinisekisa ukuba kumaxesha amaninzi, i-COBRA ikunika ithuba lokuthenga eso sicwangciso ubuncinane kwiinyanga ezili-18. Kodwa ekubeni oko kungaba yiphakamiso esabizayo, kulungile ukuba uqonde iindlela ezikhoyo kwiimarike, ukuze wenze ukhetho olungcono wena kunye nosapho lwakho.
> Imithombo:
> Kaiser Family Foundation. Izinzuzo zezeMpilo zabaSebenzi, 2017 isishwankathelo seziphumo.
> United States Isebe Lemisebenzi. IziCwangciso zeMpilo kunye neNzuzo: Ukuqhubela phambili kweMpilo-COBRA.