Ukuba uthenga i-inshorensi yakho yempilo kwimarike nganye, mhlawumbi uye wambona i-headlines malunga nokunyuka kwezinga eliza kuza ngo-2018. I-marine yeqela elincinci, elilawulwa phantsi koMthetho woNonophelo onokuthethelela (ACA) ofanayo. , kuya kubona ukunyuka kwezinga, nangona ukwanda kwebonke akuyi kubaluleka.
Kodwa ezi zihloko zidla ukugxila kwizinga lokunyuka kwamazinga, nokuba liphela kulo lonke ilizwe, okanye kwi-insureni yonke yabaninzi benkampani.
Kubantu abanenkxaso kwiqela elincinci okanye kumashishini e-inshurensi yomntu, ukunyuka kwezinga elifanelekileyo kwisicwangciso ngasinye kwaye ilungu lingahluka ngokubanzi ukusuka kumyinge welizwe okanye umshwalense.
Kuhlala kunjalo, kodwa kukho utshintsho olutsha ngo-2018 ngokumalunga nendlela amaxabiso abalwa ngayo kubantwana-ikakhulukazi abaselula-kwaye kunokubangela ukunyuka kwamazinga okwenyuka kwezinye iintsapho. Ngoko makhe sijonge oko kwenzekayo kunye namazinga omntwana, kunye noko ungalindela unyaka omtsha.
Abantwana baya kuba neRhafu yokuHlola
I-ACA imisele imigaqo emitsha kwiiprayimari ezicwangcisiweyo ze-inshurensi yezempilo (iiplani zodwa zihlobo oluthile abantu abazithengela zona; izicwangciso zeqela elincinci ziqhutywa ngokubanzi ngabaqeshi abanabasebenzi abangaba ngu-50, kodwa kukho iindawo ezimbalwa apho amaqela angama-100 abasebenzi abhekwa njengamaqela amancinci ).
Ngaphantsi komthetho, i-premium yabantu abadala asebekhulile ayinakuphindwa kathathu i-premium ye-21 ubudala.
Abantwana banikwe isantya esezantsi, esiye sabekwa ngoku kuma-63.5 ekhulwini kwinqanaba elineminyaka engama-21 ubudala. Oku kusebenza kubo bonke abantwana, ukususela kwiintsana ukuya kwi-20 ubudala, ukususela ngo-2014.
Ngaphambi ko-2014 (oko kukuthi, ngaphambi kokuba imithetho yokulinganisa ye-ACA iphunyezwe), ii-premiums zivame ukusekwa kumaqela ahlukeneyo ngokweengxelo ezilindelekileyo kwiqela ngalinye leminyaka.
Abantwana bavame ukuba namabango aphezulu xa beyingana kunye nabantwana abaselula, amabango aphantsi xa besesikolweni esiphakathi nesekondari, kwaye emva koko amabango athambe ukunyuka njengoko abantwana befaka iminyaka yabo yeselula. Ngaphambi ko-2014, abo bango-inshorensi bangabandakanya oko kwimiqathango yabo yokubeka isantya-abanye babenama-premium aphezulu kakhulu kwiintsana, ngokomzekelo.
Kodwa phantsi kwe-ACA imigaqo ukususela ngo-2014 ukuya ku-2017, bonke abantwana abaneminyaka engama-20 bahlawuliswa ngamaphesenti angama-63.5 ye-premium esetyenziswe kumntu oneminyaka engama-21 ubudala. Oku kutshintsha ngo-2018, ngenxa yemithetho emitsha eyagqitywa yi-HHS ngoDisemba 2016 (indlela ethile yokulinganisa ichazwe kwiSihlomelo 1 sale memo ye-HHS ):
- Isilinganiso somntwana oneminyaka engama-21 siya kuqhubeka sibe yinqanaba lesiseko apho ezinye iirhafu zibekwe.
- Abantwana abaneminyaka engama-0 ukuya kwe-14 baya kuhlawulwa i-76.5 yepesenti yesilinganiso se-base.
- Abantwana abaneminyaka eyi-15 baya kuhlawulwa i-83.3 yepesenti yezinga lesiseko.
- Abantwana abaneminyaka engama-16 baya kuhlawulwa ama-85.9 ekhulwini kwizinga lesiseko.
- Abantwana abaneminyaka eyi-17 baya kuhlawulwa i-88.5 yepesenti yezinga lesiseko.
- Abantwana abaneminyaka eyi-18 baya kuhlawulwa i-91.3 yepesenti yesilinganiso sezinga.
- Abantwana abaneminyaka engama-19 baya kuhlawulwa i-94.1 yepesenti yezinga lesiseko.
- Abantwana abaneminyaka engama-20 baya kuhlawulwa ngamaphesenti angama-97 ereyithi yesiseko.
- Abantu abadala baya kuqhubeka behlawulwa irhafu ngokusekelwe kwiminyaka yabo, ngezinga eliphezulu (kubantu abaneminyaka engama-64 nangaphezulu) kwezihlandlo ezithathu kwi-premium yesiseko.
I-HHS yaphawula ukuba nangona iindleko zamabango zihlala ziphakamileyo kubafundi abangaphantsi kweminyaka engama-4 kunye nabafundi abaneminyaka engama-4 kuya kwe-14 ubudala, inani elilinganayo lebhodi yabantwana ukususela ekuzalweni ukuya kwi-14 ubudala lijoliswe ekutheni idibanise iindleko kubantu abaninzi, kwaye ukunyuka kwezinga elizenzekelayo eliya kusebenza kwintsapho kunye nosana xa iirhafu zisekelwe ngokusisiseko kwiimangalo ezilindelekileyo kwiqela ngalinye leminyaka.
Olu tshintsho kwinkqubo esetyenzisiweyo yokubala amaxabiso ayifaki ukunyuka kwezinga eliqhelekileyo elisebenza ngonyaka ngamnye ngenxa yeendleko ezikhulayo zonyango kunye nezinye izinto eziqhuba ukunyuka kwezinga lonke.
Ezi zinguqu ziyakwandisa izinga leziseko, ngoko ke imilinganiselo emiselweyo yabantwana iza kusebenzisa iipesentezi ezininzi zesilinganiso esisezantsi esikhulu, ngokuqhubekayo nokwandisa izinga lokunyuka kwezinga eliya kusebenza kwiinkcukacha zabantwana.
ISithili sase-Columbia kunye ne-Seven-Alabama, eMassachusetts, eMinnesota, e-Mississippi, eNew Jersey, e-Oregon nase-Utah-zisebenzisa i-method-setting setting methodology, ngoko ke amanani amasha kwiipalamama zezingane ayisebenzisi kulawo mazwe. Ukongeza, i-New York kunye neVermont akuvumeli ukulinganiswa okusekelwe kwiminyaka yonke, ngoko akukho ukuhluka kwiiprayimali ezisekelwe kwiminyaka kula mabini.
Amagqabantshi amakhulu Sebenzisa iindlela ezahlukeneyo zokuHlola
Qaphela ukuba iiprayimari ezinkulu zeqela ngokuqhelekileyo zisekelwe kwiirhafu zendidi, kwaye zihluka kuphela ngokusekelwe ekubeni ngaba umsebenzi ubhalisa njengedwa, umqeshwa kunye nomlingane, umqeshwa kunye nezingane, okanye umqeshwa kunye neqabane kunye nezingane. Iminyaka yabantwana-kunye nenani labantwana-abayithinteli iiprayimari ezihlawulwe. Imithetho emitsha echazwe ngasentla ngokubeka iiproyamu kubantwana zikhethekileyo kwiimakethe zecandelo ngalinye kunye nelincinci.
Ishintsho soTshintsho Ngeze kube yinto evulekileyo xa abantu bejika 21
Iifom zabantwana ziza kuba ziphakamileyo ngo-2018 kunokuba ziye zadlulileyo, kunye nokunyuka okuphawulekayo okufakela kubantwana abadala. Kodwa xa abo bana ba gqibela beba ngu-21, abayi kufumana ukunyuka kwamazinga aphezulu asetyenziswa ukufaka isicelo. Ngaphambi kowe-2018, umntu oneminyaka engama-21 uya kuphuma ekuhlawuleleni ipesenti ezingama-63.5 zesiseko sokuhlawula umyinge wesiseko, konke ukuxhamla; ukugxuma kuya kuhlanjululwa kude kube ngama-15 kuya ku-21.
IiRhafu ziya kuba ngaphantsi kwaBantu abadala kunokuba babeza kuba
Kwakhona kubalulekile ukugcina engqondweni ukuba iinqununu zokulinganisela ubudala zijoliswe njengeendlela zokusasaza iindleko ezipheleleyo kwiindawo ezipheleleyo ze-insureds. Kwimali eyi-premium efunekayo ukugubungela indleko yokunyamekela ubulungu bebonke, ipesenteji yaloo nto iya kusebenza kancinci kubantwana, oko kuthetha ukuba iya kusebenza kancinane kubantu abadala. Inani elipheleleyo elimele liqokelelwe alichaphazeli kwindlela entsha yokulinganisela.
Kakade, oko kusebenza ngokubaluleka kubulungu bonke; impembelelo nganye kwindlu ethile iya kuhluka, kunye nekhaya elipheleleyo labaselula liya kuhlangabezana neeprayimari eziphambili zengxowankulu ngaphambi kwe-2018 kunokuba ziza kubhekana nazo ngaphandle kwemigangatho yeminyaka emitsha, nangona emva kokubalwa kwee-premium zabazali. Kodwa ngokubanzi, amaqela omtsha omntwana ayingatshintshi inani lemali abagcini-mali abaza kuqokelela kuwo onke amalungu abo adibeneyo (ukhumbula ingqalelo ukuba inani elifunekayo ukuqokelelwa liya kuba liphezulu ngo-2018 kunokuba 2017, ngenxa yeemeko eziqhelekileyo ezitshintshisa izinga lamanani).
Ukuxhaswa kweNkulumbuso kuya kulungiswa ukuhamba ngeeNtlawulo ezintsha
Kubantu abathengayo ukuthengwa kwemarike nganye kwinkqubo yokutshintshisana ( kunye kuphela kwintengiso) kwimeko nganye, inkxaso-mali yeprayim (iikhredithi zerhafu ye-premium) zenzelwe ukugcina iindleko zokufikelela kwizinga elifikelelekayo. Isixa senkxaso-mali sinqunywe ngokubetha iindleko zesicwangciso sesilivere esiphantsi kweendleko zesezantsi kwipesenti ethile yemali yengeniso, kunye nepesenteji ezisezantsi ukuya kubhaliso lwabafundi abancinci, kwaye ziphezulu ukuya kubhaliso oluphezulu.
Njengoko iindleko zokubhengezwa kwendlu enikezelwayo yanda, kunjalo nenani le-mali yabo. Ngelishwa, inkxaso-mali ayifumaneki kwimindeni efumana amanqanaba amane kwinqanaba lehlwempu, ngoko intsapho yabahlanu ingaba yinto engafanelekiyo ye-premium inkxaso xa imali yabo engenayo ingaphezulu kwama-115,120 ngo-2018. Kodwa ngenxa yemindeni enenzuzo engenayo idlule kwimiqathango emine kwinqanaba lehlwempu, inkxaso-mali iyaqhubeka ihamba ngeendleko zokubambisa, kunye nenkxaso-mali ibhekiselele kwiindleko zangempela zendlu (kwinqanaba lokuba inkxaso ayifumaneki ukuba uhlala kumgca we- Medicaid okanye i- family glitch isebenza kwimeko yakho) .
Kwakhona kubalulekile ukuqonda ukuba ii-ACA zerhafu iintlawulo kubantwana abaneminyaka engaphantsi kweminyaka engama-21 ukuya kwezona zintathu kwiintsapho nganye, kwiimarike zeqela kunye namancinane. Ngoko intsapho enezingane ezithandathu ezingaphantsi kwe-21 iya kuhlawula kuphela i-premium kubo abathathu (phawula ukuba nakuba abazali bekwazi ukugcina abantwana babo kwisicwangciso sabo de ukuya kubantwana abaphendukela kuma-26, iiprayimari zihlawuliswa kubo bonke abantwana abaneminyaka engama-21 ubudala nangaphezulu, kungakhathaliseki ukuba abanye abaninzi abaxhomekeke kwicebo).
Ukuthabatha apha kukuba ngelixa amaxabiso aya kunyuka ngaphezu kweqhelekileyo kwiintsapho eziselula, inkxaso-mali ye-premium iya kukhula nakwabo kwezo ntsapho ukuba zilungele ukufumana inkxaso-mali. Imindeni encedisa inkxaso-mali, i-mali iya kugcina i-premium ye-intanethi yecebo lesibini eliphantsi kweendleko zesilivere kwinqanaba elifikelelekayo. Ukuba inzuzo yentsapho ingaphenduliyo ukusuka ngo-2017, ixabiso lentengo yesicwangciso sesilivere esindleko esiphantsi kwesibini-mali liza kuhlulwa ngo-2018 kunokuba kube ngowama-2017, nangona ukunyuka kwamazinga okuphela kwe-2018 kunye namanqanaba eminyaka asemantwaneni.
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