Izinto ezibalulekileyo zokwazi nge-inshurensi yezempilo

Ulwazi olubalulekileyo malunga nokuxhaswa kwe-inshurensi yezempilo

Ukuba unomdla wenkxaso-mali ka rhu lumente ukwenzela ukuba wenze i-inshorensi yempilo (kunye nakwezinye iimeko, iindleko zakho ezingaphandle kwexabiso) zininzi izinto ezibalulekileyo ofuna ukuba wazi.

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Kukho Uninzi Olunye Uhlobo Lwe-Subsidy

UMthetho woNonophelo ojongene noThathaka uthe wadala iintlobo ezimbini ze-inshurensi yezempilo. Ungasebenzisa zombini ngexesha elifanayo ukuba uyakufanelekela zombini.

Abantu abaninzi banelungelo lokufumana inkxaso-mali yerhafu ye- premium , eyanciphisa iipresimenti zenyanga ozihlawula ukuthenga inshuwalense yezempilo. Ulungelelaniso lwale mali-mali lufikelela kuma-400 ekhulwini kwinqanaba lehlwempu, elilingana no-98,400 zamawaka kwintsapho yezine ngo-2018. Ngo-2017, iipesenti ezingama-84 zentengo -mali yabhalisa abafanelekayo kwiinkxaso ze-premium.

Kukho kwakhona inkxaso -mali yokwabelana ngeendleko, eyenzelwe ukukunciphisa iindleko zakho rhoqo ngexesha usebenzisa i-inshorensi yakho yempilo. Ukuba unelungelo lokunika inkxaso-mali, uza kufumana inkxaso-mali ye-premium. Kodwa oko akunjalo ngokwenene ukutshintsha. Ukwabiwa kweendleko zokwabelana ngeendleko kufikelela kuma-250 ekhulwini kwinqanaba lehlwempu (i-$ 61,500 kwintsapho yabantwana ngo-2018), kwaye zifumaneka kuphela xa uthengisa isicwangciso sesilivere kwi-excange. Inkxaso-mali yokwabelana ngeendleko iyancipha inani olihlawulayo ngokwabelana ngeendleko ezifana nokuncitshiswa , i- copays kunye ne-coinsurance . Inokunciphisa nokugqithiswa kwe-pocket ephezulu ohlawula ngayo unyaka ukuba unamaxabiso aphezulu enkonzo. Iipesenti ezingama-57 zokutshintshiselana ngo-2017 babefumana inkxaso-mali-mali.

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Fumana kwi-Exchange, Sebenzisa yona kwiShintsho

Indawo yodwa onokufumana inkxaso-mali ye-inshorensi yezempilo yintlawulo yomshuwalense wezempilo. Indawo kuphela ongayisebenzisa ngayo inkxaso yinkxaso-mali ye-inshurensi yezempilo.

Ukufumana inkxaso-mali yokwabelana ngeendleko, kufuneka ukhethe isicwangciso sezempilo esiliva-mali kwi-exchange exchange. Ukuba ukhetha i-bronze, igolide okanye iplatinum cwangciso, awuyi kufumana inkxaso-mali yokwabelana ngeendleko nokuba uhlangabezana nazo zonke iimfuno eziyimfuneko.

Isibonelelo sakho sentlawulo yerhafu ye-premium singasetyenziselwa nayiphi na isicwangciso-sakhiwo sensimbi ekutshintshisweni, kodwa kungekhona isicwangciso esiyingozi.

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Kukho konke malunga neNgeniso, engekho iAfa

Imali-mali yinshuwalense yezempilo isekelwe kuphela kwingeniso yakho eqikelelwayo. Imali engenayo kumbuzo ngumvuzo wakho ohlaziyiweyo olungisiweyo , okanye i-MAGI , kunyaka oya kufumana inkxaso. Oku kunemiphumo ebalulekileyo.

Okokuqala, ukuba ingeniso yakho iyahluka kakhulu unyaka nonyaka, kunokuba nzima ukuba uqikelele ngokuchanekileyo ingeniso yakho yesikhathi esizayo. Ukubonelela ngeyona ndlela ingenakulungelelaniswa yengeniso yakho yexesha elizayo kwaye ulungele ukuchaza indlela oye wenyuka ngayo loo ngqikelelo. Ukuba uqikelela ukuba ingeniso yakho ingenakulungile, uya kufumana imali eninzi kakhulu okanye uncedise imali encinci (uya kulungelelanisa umehluko kwimbuyekezo yakho yentela).

Okwesibini, iimpahla zakho, ubuninzi obunako ekulondolozeni, ukubaluleka kwendlu yakho kunye nexabiso lakho akuchaphazeli ukufaneleka kwakho kwenkxaso-mali. Yonke into ebalulekileyo yimivuzo yakho . Unokuba neerandi ezigidi zemali ehlezi kwi-akhawunti yakho yasebhanki kwaye usenokuba nelungelo lokufumana inkxaso-mali ye-inshorensi yempilo xa ufumana ingeniso-mali efanelekileyo (oku kuthetha okungenani iipesenti ezili-100 zentlupheko-ubuncinane ama-139 ekhulwini kwiimeko eziye zandisa i-Medicaid-kwaye ingabi ngaphezu kwama-400 ekhulwini lobuhlwempu;

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Iimeko Zakho zerhafu

Ukuba usatshatile, isimo sakho sokufakela kufuneka sifakwe ngokubambisana ukuze sikwazi ukufumana inkxaso-mali yinshorensi yempilo . Ukuba utshatile uze ufake ifayile eyodwa, awuyi kufanelekela inkxaso-mali nangona uhlangabezana nazo zonke iimfuno.

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Ukulungelelaniswa Kweminye Imilinganiselo? Mhlawumbi akukho Ncediso ngawe

Ukuba unelungelo le-inshorensi yempilo exhaswa nguRhulumente njengoMdare okanye iMedicaid, okanye icebo elixhaswe ngumqeshi elibonelela ngexabiso elincinci kwaye lihlangabezane neemfuno zokufikelela, awuyi kufaneleka inkxaso yenkxaso-mali. A

Oku kuyinyaniso nokuba ngaba awubhalisi ngokwenene kwi-inshurensi yempilo exhaswe nguRhulumente okanye exhaswe ngumqeshi. Yiyo ukufaneleka kwakho okukukhutshisayo ukuba uncedise.

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Kukho iindlela ezimbini zokuhlawula

Unenketho ezimbini zokufumana imali yenkxaso-mali yerhafu yepresimenti.

Ukuba ukhetha ukukhethwa kwentlawulo ephakamileyo, imali yakho yenkxaso-mali iya ngqo kwinkampani yakho yomshuwalense yonyango nganye nyanga ukunciphisa iindleko zenyanga ye-inshorensi yezempilo. Awuboni okanye uphathe imali yenkxaso-mali, kodwa imali oyihlawulayo yokuthenga inshuwalense yezempilo inyanga nganye isezantsi kunokuba ingaba ungayifumani inkxaso.

Ngenye indlela, unokufumana imali yakho yenkxaso-mali kwisinye isamba semali emva kokuphela konyaka xa ufaka irhafu yakho yentlawulo ye-federal. Imali yonke yonyaka yenkxaso-mali yerhafu ye-premium izongezwa kwisheke sakho sokubuyiselwa imali. Ukuba awufumani ukubuyiselwa kwembuyekezo ngenxa yokuba usasahlawula irhafu, inkxaso-mali iya kukhupha into oyenzayo. Ukuba ukhetha olu khetho, uza kuhlawula intlawulo epheleleyo ye-premium yomshuwalense wezempilo nganye nyanga kunyaka, kodwa uya kuhlawulwa ngenye yeendleko xa ufaka irhafu yakho.

Kuzo zombini iimeko, kufuneka uthenge ukuthengwa ngokutshintshana ukuze ufumane inkxaso. Ukuba uceba ukuhlawula ixabiso elipheleleyo kulo nyaka kwaye uyabango i-subsidy kwirejista yakho yerhafu, uya kukwazi ukwenza oko ukuba uthenge isicwangciso sakho kwishintshintshini yakho.

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Uvumelekile ukuyibuyisela

Ukuba ufumana imali engaphezulu yenkxaso kunokuba kufuneka ube nayo, kufuneka uhlawule kwakhona. Oku kubalulekile kubantu abakhetha ukhetho lokuhlawula oluphambili kwi-premium tax credit subsidy.

Nantsi indlela esebenza ngayo. Makhe sithethe isicelo se-subsidy kunyaka ozayo. Uqikelela ukuba ingeniso yonyaka ozayo iya kuba yi-$ 35,000, kwaye imali yakho yenkxaso-mali inqunywe ngokusekelwe kuloo qi kelelo. Inyanga nganye kunyaka ozayo, imali yakho yenkxaso-mali iya ngqo kwinkampani yakho yinshorensi yempilo.

Xa ufaka irhafu yakho yentlawulo emva kokuba unyaka uphela, ufumanisa ukuba ngokwenene wenze i $ 45,000.

Ngoxa uhambisa iirhafu zakho, isixa semali oyifumene esekelwe kwingeniso yakho eqikelelwayo iya kufaniswa nexabiso omele ulifumene ngokusekelwe kwingeniso yakho yangempela. Ekubeni ungaphantsi kwe-estimate yakho engenayo ngu-R10 000, ufumane imali engaphezulu kwenkxaso-mali kunokuba kufuneka ube nayo. Kufuneka uhlawule umlinganiselo.

Kukho iindlela ezintathu zokuphepha le meko:

• Yazisa intshutshiso yakho ye-inshurensi yempilo xa ufumana inkxaso-mali kwaye uyazi ukuba ingeniso yakho yangempela iya kuhluke kunokuba uqikelele xa ufake isicelo se-subsidy. Umzekelo, ukuba ufumana ukuphakanyiswa, xelela intshumo yakho yomshuwalense. Utshintshiselwano luya kutshintsha isibonelelo sakho kulo lonke unyaka ukukunceda ukuba ugweme ukuhlawula imali.
• Ukulinganisela ingeniso yakho ngokuchanekileyo xa ufaka isicelo sesibonelelo.
• Ungakhethi ukhetho lokuhlawula oluphambili. Ukuqokelela imali yakho yenkxaso-mali xa ufaka irhafu yakho emva kokuphela konyaka. Ngelo xesha, uya kuqonda kakuhle ukuba ingeniso yakho yintoni.

Ukuba uyaphela ekufumaneni inkxaso-mali yeprayimenti enkulu kunokuba ufanele uyenayo, i-IRS ifake imali ekufuneka uyihlawule (ngeefowuni ezahlukileyo kuxhomekeke kwingeniso yakho), ngaphandle kokuba ingeniso yakho iphelela ngaphezu kwama-400 ekhulwini kwintlupheko. Ukuba oko kwenzeka, kufuneka uhlawule imali epheleleyo yenkxaso-mali ye-premium oyifumene kunyaka.

Ngakolunye uhlangothi, ukuba ingeniso yakho iphelela ngaphantsi kunokuba uqikelele kunyaka (kodwa kusekho uluhlu olufanelekileyo oluxhaswa ngumxhaso-mali, kunokuba uluhlu olufanelekileyo lweMedicaid okanye ulwahlulo lwamayeza eMedicaid kwimeko engenakwandisa iMedicaid) , inkxaso eyongezelelweyo ye-premium iya kwongezwa kwimbuyekezo yakho yerhafu, okanye isetyenziswe ukuhlawula umrhumo weerhafu omele uhlawuliswe ukuba awufanelekanga ukubuyiselwa imali.

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Kuphi ukuFunda ngakumbi

Ngezantsi ezinye iindawo ezineenkcukacha ezongezelelweyo malunga nenkxaso-mali ye-inshorensi:

Ngaba Ndinokufumana Uncedo Lokuhlawula Iminshurensi yezeMpilo? Eli phepha linikezela ngolu hlobo lweenkxaso-mali ze-inshurensi yezempilo kwaye kuya kukunceda ukuba ufumane ukuba unelungelo lokufumana inkxaso-mali.

Inkonzo yenkxaso-mali yeNkxaso-mali yeNkcazo yeNkulumbuso yintoni? Eli phepha liza kukufundisa ukuba uncedisa imali engakanani oyifumana kwi-credit card yentlawulo ye-premium, kunye nemithetho ehambelana nayo.

Funda kabanzi malunga nenkxaso-mali yokwabelana ngeendleko kwiNkqubo yoNcediso lweNkxaso-mali ye-Intshumo yezeMpilo kunye nendlela iNcedisi ekunciphiseni ngayo i-Out-Of-Pocket Maximum Works yakho .