Utshintsho lweprayimenti lungabhekisana ne-intuitive
Ukuba uthenge i-inshurensi yakho yempilo (ngokuchasene nokuyifumana kumqeshi), mhlawumbi uyazi ngoku ukuba kukho inkxaso-mali yeprayimenti efumanekayo ngokutshintshiselana ukuba ingeniso yakho ingaphakathi kwinqanaba elifanelekileyo.
Ngaphandle koko kunjalo, kusekho ukudideka ngokubanzi malunga nendlela ahlawulwa ngayo inkxaso. Umbuzo omnye ohlala uhlala uphambili uhambelana nendlela ama-premium aguquka ngayo xa amalungu omndeni esongezwa kwisicwangciso okanye esuswe kwisicwangciso.
Iinguqu kwiinkxaso ze-ACA zingaba zidibanise
Kwezinye iimeko, ukusebenzisana phakathi kwemali engenayo, ubungakanani bentsapho, kunye nokubhaliswa kwemali kubhalisa iziphumo ezinokuthi zithintele-izinto ezinokuthintela-intuitive njengezinto zokunciphisa ama-premiums emva kwenkxaso-mali emva kokuba ungeze umntwana olutsha kwisicwangciso, okanye akukho tshintsho emva kwenkxaso-mali emva kwenkxaso-mali. ii-premiums xa elinye ilungu lentsapho litshintshela kwezinye iifayili, njenge-Medicare.
Kukho amanqaku ambalwa ukugcina engqondweni apha:
- Iinkxaso-mali zenzelwe ukunciphisa umrhumo ohlawulelayo kwindleko yakho kwintshintshi. Kodwa imali ohlawula ngayo enye ingxelo ngaphandle kokutshintshiselana (umzekelo, kumqeshi, okanye kwi-Medicare) ayifakelwe kumda.
- Ingeniso yakho yonke yemali ithathwa ingqwalasela, kungakhathaliseki ukuba mangaphi amalungu omndeni abhalisela kwisicwangciso sokutshintshiselana.
- Inani elipheleleyo labantu abasendlwini yakho libalwe ngokwemigangatho yokuqaphela apho ingeniso yakho inxulumene nomgangatho wentlupheko, kungakhathaliseki ukuba bangaphi amalungu omndeni abhalisela kwisicwangciso sokutshintshiselana.
- Ngokona nxalenye, inzuzo yakho ibonakaliswa kwirejista yakho yerhafu. Kodwa kukho ilungiselelo lokuvumela abantu abadala ukuba bahlale kwi-inshorensi yempilo yabo yabazali kuze kube ngu-26 ubudala, kungakhathaliseki ukuba ngaba abazali bayabathi baxhomekeke kubo. Ukuba umdala omdala uhlanganiswe kwisicwangciso se-inshurensi yezempilo yakhe yabazali ngokutshintshiselana, imali engenayo yomntu omdala iya kwongezwa kwingeniso yabazali ukuxhaswa kwemvume yokuxhaswa, nangona bafaka iifom zabo zerhafu.
I-Kaiser Family Foundation ine-calculator yenkxaso-mali eyakuvumela ukuba ukhethe i-state, okanye usebenzise umlinganiselo we-US. Kule mizekelo, siya kusebenzisa umyinge we-US, kodwa ungadlala ujikeleze kunye ne-calculator uze ufumane amanqaku athile malunga neemeko zakho.
Nazi ezinye iimeko eziza kukunceda uqonde indlela i-mali eyabalwa ngayo nendlela ehambelana ngayo nekhaya lakho. Kuzo zonke iimeko, imizekelo isebenzisa i-calculator yeKaiser Family Foundation, kwaye iirhafu zisekelwe kwiindleko eziqhelekileyo zase-US, kuthathwa ukuba abhalisile bakhethe icebo lesibini lexabiso lesibini eliphantsi (oko kukuthi, isicwangciso sokulinganisela).
Sitshatile Ukuhamba kwi-Onto Medicare
UBob noSally Smith bangama-60 no-64, ngokulandelanayo. Bobabini banomsebenzi wokutshintshiselwa phantsi kwecwangciso lokutshatyalaliswa kwindawo yabo, kunye nemali yabo yomvuzo i-$ 50,000. Ukusebenzisa iindleko eziqhelekileyo zase-US, inkxaso yabo ngo-2018 yi-$ 1,748 ngenyanga, kunye ne-premium-subsidy yenkxaso-mali yeprogram yesibini yesixabiso-ephantsi (i-plan plan). Iifama ezingama-50 000 ziphakathi kwama-300 no-400 ekhulwini kwintlupheko kwindlu yabini).
[Qaphela ukuba ipesenteji yengeniso yokuba ababhalisi abafanelekayo be-subidy kufuneka bahlawule isicwangciso sokutshekisha okuncinci ngo-2018 kunokuba kube ngowama-2017, okokuqala ngepesenti ineminyaka engaphezulu kweminyaka.
Abantu abafumana umlinganiselo ofanayo ngo-2018 abawuthola ngo-2017 baphela ngokunciphisa okuncinci kwiiprayimamu zenkxaso-mali emva kwenkqubo yokutshatyalaliswa ngo-2018.]
Ngoku masithi uSally ujika u-65 kwaye uhamba kwi- Medicare . Uyakulungele ukufumana i-premium ye- Medicare Part A , kodwa uya kuba ne-premium yenyanga ye- Medicare Part B , kwaye ukuba uya kukhangela isongezelelo somsebenzi, uya kuba ne-premium yesicwangciso seMedigap kunye neCandelo D ukufihla .
Kodwa nangona uya kuhlawula iipriyamu kwiindawo ezithile ze-Medicare, iiprayimari aziyi kubalwa malunga neepesenti ezingama-9.56 zengeniso yendlu apho amaSmith akulindeleke ukuba ahlawule isicwangciso sokutshintshanisa.
Ngoko xa uqhuba amanqaku kwakhona, kunye nomntu wabini kuphela kodwa umntu omnye (Bob) obhalisa kwingxelo ngokutshintshiselana, usakhula nge-premium yenkxaso-mali ye-$ 398 ngenyanga ngenyanga yesicwangciso sesilivere esindleko esiphantsi kwesibini. . Imali yenkxaso-mali iyonke iya kuba i-$ 621 ngenyanga kuphela, nangona kunjalo, esikhundleni se-$ 1,748 ngenyanga yenkxaso-mali eyabelwa ngabaSmith xa uBob no-Sally besesicwangciso sokutshintshana ndawonye.
Oku kungenxa yokuba banamakhaya abantu ababini, kunye nengeniso yomzi eyi-$ 50,000. Oku kubeka kuma-308 ekhulwini kwinqanaba lehlwempu (izikhokelo zentlupheko ye-2017 zisetyenziselwa ukuchonga ukufaneleka kwamancedo kwizicwangciso ngeentsuku ezifanelekileyo zonyaka we-2018; le nto ihlala njalo, kunye nenani lonyaka lonyaka lisetyenziselwa de kubhaliso oluvulekileyo luqala ngokuwa).
Ukususela kwimali yengeniso yendlu ingama-308 ekhulwini kwinqanaba lehlwempu, i-premium ye-premium yenkxaso-mali emva kwenkxaso-mali ye-benchmark ekutshintshiseni yi-9.56 pesenti yengeniso yomzi (le pesenti isebenza kunoma ubani onenzuzo yekhaya phakathi kwama-300 ne-400 ekhulwini kwinqanaba lentlupheko; iipesentezi zinciphile kumakhaya anemali engenayo engaphantsi kwama-300 ekhulwini kwinqanaba lehlwempu). Akunandaba nokuba mangaphi amalungu ekhaya abhalisele kwisicwangciso sokutshintshiselana, okanye ubuninzi bendlu bachitha kwiiprayimari kwezinye iiplani ezingaphandle kokutshintshiselwa.
Ukongeza Umlingani wakho kwisiCwangciso sakho
U-Amy kunye noBill bangama-51 no-53. Batshatile iminyaka emininzi, kwaye u-Amy unomshuwalense wakhe wempilo kumqeshi wakhe. Umqeshi wakhe akaboneleli ngokubambisana kwabatshatileyo, ngoko uBill uye wafumana ingxelo ngokutshintshiselwa ukususela ngo-2014 (phawula ukuba umqeshi ka-Amy anganikezela ukuxhaswa kwabashadile, iBill ayiyi kuba nelungelo lokufumana intlawulo ngokutshintshana njengoko nje i-inshurensi yakwa-Amy yayingenakukwazi ukufumana ukufikelela kwayo kuphela-oku kwaziwa ngokuba yi- glitch yentsapho , kodwa ayisebenzisi kule meko ukususela ngeYilwayo ayifanelekanga ukujoyina icebo lika-Amy).
Ingeniso ka-Amy kunye noBill yendlu ngu-$ 48,000 ngonyaka. Ngokusekelwe kumyinge we-US, uBill uhlawula i-$ 377 ngenyanga ngenyanga ka-2018 kwisicwangciso sokutshintshanisa, kwaye i-$ 389 ehleliyo ngenyanga ihlanganiswa yenkxaso-mali yakhe.
Ngoku masithi umqeshi u-Amy uyeka ukubonelela ngomshuwalense wezempilo. Ukulahlekelwa kwenkcazo yeso siganeko esifanelekayo , oko kuthetha ukuba u-Amy unako ukubhalisa kwisicwangciso kwimarike nganye. Ukuba ujoyina uBill kwisicwangciso sakhe, iindleko zenkxaso-mali emva kwenkxaso-mali iya kuba yi-$ 377 ngenyanga, kodwa inkxaso-mboleko iza kufikelela kwi-1,089 yeenyanga ngenyanga. U-Amy kunye noBill basesekhaya labini, kwaye ingeniso yabo isengama-296 ekhulwini kwinqanaba lobuhlwempu elapho ngaphambili. Ngoko ke kufuneka bahlawule ipesenti enye yengeniso yabo kwisicwangciso sokutshintshana-ekutshintsheni-iquka nje ezimbini zazo ngoku, endaweni yesinye.
Le meko iya kuhluka, nangona kunjalo, ukuba u-Amy noBill babesandula kutshata. Ukutshata kwakhona ngumcimbi ofanelekayo, kwaye ukucinga ukuba u-Amy wayengenayo ingxelo evela kumqeshi wakhe, uya kuba nelungelo lokufumana inkxaso-mali. Kodwa ngaphambi kokutshata, iBhili yayiza kuba yindlu enye, engenayo kuphela imali engenayo eyabalwa yenkxaso-mali. Xa isibini sitshatile, iholo yabo ibalwa kunye, kwaye bayindlu yamabini (becinga ukuba abanalo abanye abaxhomekeke kuyo) ngokuthelekisa loo ntlawulo kwizinga lehlwempu.
Masithi inzuzo yeBill i-$ 20,000 kwaye u-Amy uneminyaka eyi-28 000, kwaye akukho namnye ufikelela kwisicwangciso somqeshi. Ngaphambi kokutshata, uBill uhlawula i-$ 79 ngenyanga kwisicwangciso sokutshatyalaliswa ngo-2018, kwaye inkxaso-mali ye-$ 687 ngenyanga ihlawula lonke i-premium yakhe. U-Amy uhlawula i-$ 174 ngenyanga, kwaye inkxaso-mali yakhe i-$ 526 ngenyanga.
Emva kokuba batshatile, imali yabo yomvuzo i-$ 48,000. I-premium yabo yenkxaso-mali yesibonelelo se-benchmark yabo kubini i-$ 377 ngenyanga, kunye ne-subsidy yabo yonke i-$ 1,089 ngenyanga.
Isizathu sokuba bakhokhe iiprayimari eziphezulu emva kwenkxaso-mali emva kokuba betshatile kukuba iholo labo elipheleleyo lemali liphezulu kwipesenti yentlupheko kwindlu yabini ababini kunabo babenendlu yabo. Ukuze ufumane inkxaso-mali, izibini ezitshatileyo kufuneka zifake iifayile zerhafu ezihlangeneyo -abanalo ukhetho lokufakela ngokwahlukileyo kwaye zibange inkxaso-mali ephezulu ebenayo ngaphambi kokutshata.
Ukongeza umntwana
Ngo-2013, urhulumente wezepolisi wagqiba imithetho yokubeka amanani kwi-ACA entsha yemakethe yoshishino yomshuwalense. Umgaqo wokugqibela uthi kumakhaya omnye, akukho bantwana abangaphantsi kwe-21 ubudala abaza kubalwa ngenjongo yokugqiba i-premium yeentsapho.
Abantwana abaneminyaka engama-21 kuya kwe-25 bonke babalwa, kungakhathaliseki ukuba bangaphi, okanye bangaphi abantwana abangaphantsi kwe-21 abasemakhaya.
UTom noRenee baneminyaka engama-40 no-39, kwaye banabantwana abathathu, abaneminyaka emibini, abane, nabasixhenxe. Bafumana i-$ 80,000 ngonyaka, kwaye intsapho yabo ibhalise kwisicwangciso sokutshintshana ngokutshintshiselana. Ngokusekelwe kumanani aphakathi kwe-US, bahlawula i-$ 595 ngenyanga ngenyanga yabo, emva kokufumana inkxaso-mali ye-$ 1,221 ngenyanga iphakamisa i-premium ekhoyo.
Ukuba uTom noRenee banomntwana wesine, baya kuhlala behlawula i-$ 595 ngenyanga, kwaye inkxaso yabo iya kuhlala i-$ 1,221 ngenyanga. Bangakwazi ukongeza umntwana omtsha kwisicwangciso sabo (eso sihlandlo esifanelekayo ), kodwa ixabiso labo ngaphambi kokuncinci litshintshi, ngoko ke ingeniso yabo yenkxaso-mali okanye i-premiums-subsidy yabo.
Thelekisa ngenye indlela apho uTom noRenee banabantwana ababini, bese wongeza umntwana wesithathu kwintsapho yabo. Ekuqaleni, yintsapho yezine, kwaye i-premium yenkxaso-mali yabo emva kwenyanga i-$ 637 ngenyanga, nge-subsidy ye-$ 891 ngenyanga iqokelela bonke abanye (qaphela ukuba iiprayimari zezingane ezisetyenziselwa ukuhluka kuphela ngokusukela kwiminyaka ubudala xa inkwenkwe yajika i-21, kodwa ngo-2018, iiprayimari zezingane ziqala ukwanda xa ziba zi-15 . Kuba uTom noRenee, oku akuyona into, njengoko abantwana babo bangaphantsi kwe-15).
Xa umntwana wesithathu ezalwa, yintsapho yabahlanu, kwaye i-premium yenkxaso-mali yabo emva kwenyanga i-$ 595 ngenyanga, emva koxhaswa nge $ 1,221 ngenyanga. I-premium yenkxaso-mali yabo emva koko ihla xa idibanisa umntwana wesithathu, ngenxa yokuba imali yabo engenayo ngoku iyingcipheko encinci yezinga lehlwempu, ekubeni baye baba yindlu ezintlanu endaweni yesine (nasi ityati ebonisa indlela ubukhulu bentsapho buchaphazela ngayo Ipesenteji yezinga lehlwempu kwiimali ezahlukileyo)
Kodwa masicinge ukuba uTom noRenee banomvuzo we-$ 140,000 ngonyaka-ngaphezulu ngaphezu komda wokufaneleka kwemali-mali, kwanamalungu amahlanu entsapho. Kwimeko apho, babeza kuhlawula i-premium ngokwabo. Ukuba bahamba ukusuka kubantwana abathathu ukuya kwizine, abayi kuhlawula nayiphi na iiprayimari ezongezelelweyo. Kodwa ukuba bahamba ukusuka kubantwana ababini ukuya kwiintathu, i-premium yabo yentsapho yesiqhelo kwisicwangciso sokutshekisha iya kuvela kwi-$ 1,529 ngenyanga ukuya kwi-$ 1,816 ngenyanga. Ngeniso efumanekayo yenkxaso-mali, inkxaso-mali ithatha iindleko ezongezelelweyo ukufaka umntwana wesithathu. Kodwa ngemali engenayo ingaphezulu kwesibambiso sokufaneleka, kufuneka bahlawule i-premium eyongezelelweyo ngokwabo.
Funa Uncedo Ukuba Unemibuzo
Ukuba unemibuzo malunga nendlela ama-premium akho aya kutshintsha ngayo ngokusekelwe kwiinguqu ezahlukeneyo zobomi, ungasebenzisa i-calculator yenkxaso-mali, okanye ufikelele ekutshintshiseni kwimeko yakho ukuze uncede. Umthengisi othembekileyo okanye umhambi wendawo ohlala kwindawo yakho uya kuba nako ukunceda wenze yonke into, kwaye akuyi kuba nayiphi na inkokhelo kwiinkonzo zabo.
> Imithombo:
Amaziko e-Medicare kunye neeNkonzo zeMedicaid, iZiko loLwazi loThengi kunye noLawulo lwe-inshurensi, umxholo: Imigaqo yokugqibela ye-Intshumo yeMarike yeMpilo .
Imindeni yaseU.SA. Izikhokelo zeNtlupheko.
INkonzo yeNgeniso yangaphakathi. Inkqubo yeNgeniso 2017-36 .
I-Kaiser Family Foundation, i-Health Insurance Calculator.
I-Ofisi yoNcedisi uNobhala weCwangciso kunye noVavanyo, izikhokelo ze-US Federal Poverty Extensions ezisetyenzisiweyo ukuQinisekisa ukufaneleka kwezeMali kwiiNkqubo ezithile ze-Federal.