Inkokhelo yeNkcazo yeNtlawulo yeNkcazo kaninzi ikwabizwa njengeNkxaso
Inkokhelo yentlawulo ye-premium yinxalenye yoMthetho wokuNakekelwa ongenakunqwenelekayo (i- Obamacare ). Ngokuqhelekileyo kubhekiswe njengenkxaso- mali yeprayim , kwaye yenzelwe ukunceda ukwenza iipresimesi zempilo ye-inshorensi ezithengekayo kubantu abaphakathi kunye nabangaphantsi-mali (imivuzo "engeniso encinane" kunye ne "class middle"). ziyafumaneka kubantu abaneemali zomzi njengamaqondo angaphezulu kwama-400 ekhulwini lobuhlwempu.
Yiyo eyi-98,400 i-intsapho kwintsapho yezine ngo-2018)
Nangona abagwebi beRiphabhlikhi bechitha i-2017 ezininzi bezama, bengaphumeleli, ukuphelisa i-ACA, akukho nto malunga nomthetho ishintshile ixesha. Inkokhelo yentlawulo ye-premium yentlawulo ye-ACA isabakho ngo-2018, kwaye kumazwe amaninzi, iikhredithi zikhulu kakhulu ngo-2018 kunokuba zaziyiminyaka engaphambili . Ngoko makhe sijonge ukuba yintoni inkokhelo yentlawulo ye-premium kunye nendlela esebenza ngayo:
I-ACA yeNkcazo yeNtlawulo yeNkcazo
Umxhaso ufumaneka kuphela kubantu abaneengeniso ezipheleleyo ezilungisiweyo ezivela kumaphesenti angama-100 ukuya kuma-400 kwinqanaba lehlwempu (kuma-31 ase-DC kunye ne-DC apho i- Medicaid iye yandiswa phantsi kwe-ACA, umgca wokufaneleka okuphantsi kwereyithi yentlawulo ye-premium i-139 ekhulwini nqanaba lehlwempu, kuba iMedicaid ihlanganisa abantu abangaphantsi kwelo nqanaba). Ukongezelela, inkxaso-mali iyatholakala kuphela kulabo bathenga i-inshorensi yezempilo ngokusebenzisa utshintshi lwe-inshorensi yezempilo karhulumente kwiphondo ngalinye.
[phawula ukuba ityala le-premium yerhafu iyatholakala kubafuduki abasandul 'ukuvela kwi-US kodwa abanomvuzo ongaphantsi kwinqanaba lehlwempu. Eli lungiselelo longezelelwe kwi-ACA kuba abafuduki abasandul 'ukuhambela abakufanelekanga kwiMedicaid kude kube se-US iminyaka engamahlanu ubuncinane.]
Ukuba unelungelo lokufumana inkxaso-mali yerhafu ye-premium, unokukhetha ukuhlawulwa kwangaphambili ngqo kwinkampani yakho yinshorensi yempilo nganye ngenyanga. Oku kuya kunciphisa imali oyakufuneka uyihlawule iiprayimari inyanga nganye. Okanye, unokukhetha ukufumana njengemali ebandakanya imali yakho yokubuyisela irhafu yengxowa. Ngayiphi na indlela, ityala lokubuyisela ityala elibuyisela imali, oku kuthetha ukuba uyifumana nokuba lidlula imali efunekayo kwiirhafu zentlawulo.
Ngaba ufuna ukufunda okungakumbi malunga nekhredithi yerhafu ye-premium? Fumana ukuba ufanelekile, njani ukufaka isicelo, ingaba unjani i-credit, kwaye kutheni unokuba uhlawule inxalenye yekhredithi ngokufunda, " INkonzo yeNkxaso-mali ye-Intshumo yeNtlawulo yeNkcitho ye-Premium yenze njani? "U
" Ngaba Ndinokufumana Uncedo Lokuhlawula Iminshurensi yezeMpilo? "Uza kunika ulwazi oluthe xaxa malunga neenkqubo zorhulumente, kubandakanywa nekhredithi yerhafu ye-premium, ukunceda abantu abaphantsi kunye nabangaphakathi-mali bafumana i-inshorensi yempilo ngaphandle kokuba baqhekeke.
Kwaziwa njenge
Ukuba uhlawula ixabiso elipheleleyo lokuthengiselana kwithengiselwano yakho ethengisiweyo kulo nyaka kwaye ucele ityala kwi-tax return yakho, ibizwa ngokuba yi-premium tax credit (PTC).
Kodwa uninzi lwabantu lukhetha ukuba netyala lihlawulwe kwangaphambili, ngqo kwiinkampani zomshuwalense wezempilo nganye ngenyanga (eyanciphisa inani elibhaliswe ngumntu obhalisiweyo kufuneka ahlawule ngenyanga).
Kwimeko apho, kuthiwa yi-credit card yokuqala ye-premium (APTC).
Ngayiphi na indlela, ityala leetyala lidla ngokubhekwa njenge-premium subsidy, okanye ngamanye amaxesha nje "inkxaso ye-ACA." (nangona kukho enye inkxaso-mali ye-ACA eyenza ukwabelana ngeendleko kwaye akufanele idideke kunye nekhredithi yentela ye-premium).
Ngubani oza
Njengoko kuchazwe ngasentla, i-credit premium irhafu itholakala kubantu abaye bafumana ingeniso engaphezulu kwama-400 e-level of poverty poverty level, kwaye ubuncinane ubuncinane beepesenti ezingama-100 (i-139 ekhulwini kumazwe awandise iMedicaid) .
Ukongeza, i-credit premium irhafu ifumaneka kuphela xa kuyimfuneko ukwenzela ukuba wenze isicwangciso sokutshekisha (iplani yesibini yesixa-mali ephantsi kwendawo yakho) efikelelekayo ngokusekelwe kwizikhokelo ze-ACA.
Intlupheko yeNtshona-ntlupheko ishintsha rhoqo ngonyaka, kwaye isekelwe kubukhulu bentsapho yakho.
Unokwazi ukujonga iinkcukacha zeFPL apha, kwaye le tstshi iquka iipesenti zeentlupheko ezinokubaluleka ekuqaliseni ukufaneleka kweentlawulo ze-premium.
Amanani e-FPL kunyaka odlulileyo asetyenziselwa ukuchonga ukufaneleka kwerhafu yerhafu ye-premium. Ngoko, umzekelo, nabani na ofaka isicelo sokubanjelwa kwe-2018 baya kusebenzisa amanani e-2017 FPL. Oku kuyinyani nokuba ngaba babhalise ngoNovemba 2017 okanye babhalisa ngoJulayi 2018 ngenxa yesiganeko esifanelekileyo
Ukusebenzisa amanqanaba e-2017 FPL:
- Unako ukufumana ilungelo lokufumana inkxaso-mali ye-inshurensi yempilo njengomntu ongeniso le-$ 12,060- $ 48,240 (umda ongaphantsi ngu $ 16,643 ukuba ungowesimo esandise iMedicaid).
- Ababini banelungelo lokufumana ingeniso ye-$ 16,240- $ 64,960 (umda ongaphantsi ngu-$ 22,412 xa unesimo esandise iMedicaid).
- Intsapho yabathathu abafumana i-$ 20,420- $ 81,680 ifanelekile (umyinge wezantsi u-$ 28,180 ukuba unesimo esandise iMedicaid).
Ukuze ufumane ukuba ingaba i- credit card yakho yerhafu iya kuba yintoni, kufuneka wazi:
- Igalelo lakho elindelekileyo kwiindleko zempilo yomshuwalense wakho (kuxhomekeke kwingeniso yakho, kwaye ichazwe apha)
- Iindleko zesicwangciso sakho sempilo yesicwangciso sempilo
Isicwangciso sakho sokulinganisela isicwangciso sezempilo esiliva kunye neyesibini zeeprayimari zenyanga zenyanga. Ukutshintshwa kwe-inshorensi yakho yempilo kunokukuxelela ukuba yiyiphi iplani le nto kwaye ixabisa kangakanani.
Intlawulo yakho yeentlawulo zemali yentlawulo ye-premium (aka aka-premium subsidy) ngumlinganiselo okhoyo phakathi kwegalelo lakho elilindelekileyo kunye neendleko zesicwangciso sokutshekisha kwindawo yakho. Unokufunda ngakumbi malunga neNkcazo yeNtlawulo yeNkcazo apha .
> Imithombo:
> Healthcare.gov. Funda uMthetho woNonophelo olungabonakaliyo (Umbhalo opheleleyo weNgcaciso yoNonophelo ongenakuncedo kunye noMthetho wokuXhumanisa).
> I-UC yaseBerkeley yeZiko leZabasebenzi, iNguqulelo eHlahlisiweyo yokuHlaziyiswa kweMali ephantsi kweNqanaba loNonophelo loNcedo . Julayi 2014.
> Isebe lezeMpilo laseMzantsi Afrika, i-Ofisi yoNcedisi uNobhala weCwangciso noVavanyo. Izikhokelo zeNtsholongwane zoMzantsi Afrika ezisetyenziselwa ukuQinisekisa ukufaneleka kwezeMali kwiinkqubo ezithile zikaRhulumente. NgoJanuwari 26, 2017.