Ukuba ulahlekelwe ukubhaliswa okuvulekileyo kwi-Career Affordable Care Act, utshintsho lwe-inshurensi yezempilo , unezinto ezimbalwa zokujongana nazo.
Okokuqala, kufuneka ufumane i-inshurensi yempilo ngenye indlela okanye ulungiselele ukuba ungaqinisekanga kuze kube yithuba elilandelayo lokubhalisa. Emva koko, unokujamelana neentlawulo zerhafu kwinyanga ozingenayo inshuwalense yezempilo. Unokwenza uhlahlo lwabiwo-mali okanye uzame ukufumana ukuxolelwa ukuze ungahlawulwanga.
Unokufumana njani i-inshurensi yezempilo Ukuba ulahlekelwe yi- Obamacare Ukubhalisa okuvulekileyo
Ukuba ulahlekelwe ukubhaliswa okuvulekileyo kwimarike yempilo yomshuwalense, awunayo enye inketho, kodwa unayo embalwa. Nazi ezinye zeendlela zakho zokufumana inshuwalense yezempilo.
Urhulumente wakho unokunyusa ukubhaliswa okuvulekileyo: Kukho iintetho ezilishumi eziqhutywe ngurhulumente ezongezelela ukubhaliswa okuvulekileyo kwithuba lokubhalela ngo-2018 ngaphaya komhla wokugqibela ka-December 15, 2017 owenziwa nguRhulumente waseburhulumenteni. Abasixhenxe kubo bavumela abantu ukuba babhalise ngoJanuwari 2018, de kube zixesha elilandelayo:
- IColorado: ngoJanuwari 12
- ENigeria: ngoJanuwari 14
- IWashington: ngoJanuwari 15
- EMassachusetts: ngoJanuwari 23
- DC: uJanuwari 31
- ECalifornia: uJanuwari 31
- ENew York: ngoJanuwari 31
Isikhathi sokubhalisa esikhethekileyo: Ukuba unesiganeko esifanelekileyo , unokufumana ithuba lokubhalisa okhethekileyo kwi-inshurensi yezempilo. Izihlandlo zobhaliso ezikhethekileyo zivame ukubangelwa ziziganeko zobomi ezitshintsha ubungakanani bentsapho yakho okanye indawo yakho, okanye kukubangela ukuba ulahlekelwe yinyhorensi yempilo.
Ngokomzekelo, unokuba nesiganeko esinokubangela ukuba uyatshata okanye ufumane umntwana. Ukuba wena okanye iqabane lakho ulahlekelwa ngumsebenzi onikezela ngomshuwalense wakho wezempilo, ukulahlekelwa kwakho kwenkxaso-mali kuya kuba ngumcimbi ofanelekileyo. Ukuba awusayi kufanelekela ukuxhaswa kweMedicaid ngenxa yokuba ingeniso yakho yakhuphuka, ukulahlekelwa ngu-Medicaid wokuba ngumcimbi uya kuba ngumcimbi ofanelekayo.
Yaye ukuba i-inshorensi yakho ye-inshorensi ye-2017 ayifanelekile ukuhlaziywa ngenxa yokuba u-inshurensi wakho washiya imarike kwindawo yakho, ude ufike ngoMatshi 1, 2018 ukukhetha isicwangciso esitsha, usebenzisa ixesha lokubhalisa elikhethekileyo elibangelwa ukulahlekelwa kwenkxaso-mali (kukho ezinye ukungafani nalolu hlobo; ezinye iinguqu ezenziwa ngurhulumente ezenza imephu ezibhalwe kwiiplani ezintsha azizange zinike ixesha lokubhalisa olulodwa)
Nantsi uluhlu olupheleleyo lwazo zonke iziganeko ezifanelekileyo kwiimarike zempilo yomshuwalense . Ininzi yabo isebenzayo kokubili kunye no- off-exchange exchange , nangona abambalwa kuphela basebenzisana kwiingxoxo.
I-HealthCare.gov kunye neendlela ezininzi zokungqubana kombuso ziye zaqinisekisa ukulungelelanisa ukufaneleka kwezikhathi zokubhalisa ezikhethekileyo, ngoko zilungiselele ukubonelela ubungqina besikhundla sakho esifanelekileyo. Kwaye nangona uhambo olusisigxina kummandla omtsha (apho izicwangciso zezempilo ezahlukeneyo zifumaneka khona) ngumcimbi ofanelekayo, ubangela kuphela ixesha lokubhalisa okhethekileyo ukuba sele sele ufumane ingxelo phambi kokuhamba. Olu tshintsho lomgaqo-nkqubo lwaqala ukusebenza ngo-2016, kwaye luvimbela abantu abangaqinisekanga ukuba bathuthele kwindawo entsha ukuze bafikelele kwi-inshurensi yezempilo .
Utshintsho lomthetho olongezelelweyo luye lwaphunyezwa ngo-2017, kubandakanywa nemfuneko yokuba ubuncinane iqabane elinye kwisibini esitshatileyo kufuneka ikhutshwe ngaphambi komtshato (kunye nemibandela embalwa) ukwenzela ukuba isibini sifanele ukufumana ithuba lokubhalisa okhethekileyo.
Ukongezelela, imithetho emitsha yenza kube nzima ukutshintshela kwisicwangciso kwinqanaba lezetsimbi ezahlukeneyo ngeli xesha lokubhalisa okhethekileyo
Ukuxilongwa: Ukuba uvumelekile, ungabhalisa kwiMedicaid okanye ubhalise abantwana bakho kwiNkqubo ye-Intshumo yezempilo yabantwana nanini na. Akumele ulinde ukubhaliswa okuvulekileyo kwishishini lomshuwalense wezempilo. Ukuze ufaneleke kwiMedicaid kufuneka udibanise izikhokelo eziphantsi kwembuyekezo kwimeko yakho. Ezinye iindawo zifuna ukuba uhlangabezane nezinye iimpawu zokufaneleka ngokungezelela kokufumana imali encinci. Iimvana zakho zinokufanelekela kwi-CHIP nangona ungafanelanga u-Medicaid.
Ukuba useMinnesota okanye eNew York kwaye ingeniso yakho ayidluli kuma-200 ekhulwini kwinqanaba lehlwempu, ungabhalisa kwiNkqubo yeZiko lezeMpilo. ukubhaliswa kwezi zicwangciso ziyaqhubeka ngonyaka.
Ukuba uhlala eMassachusetts, ingeniso yakho ayidluli kuma-300 ekhulwini kwinqanaba lehlwempu, uvumelekile ukuba uxhumeke. Ubhaliso luyafumaneka unyaka-wonke, ukuba unoba usanda kulungelelaniswa noMxhasi okanye ungabhalanga kwixesha elidlulileyo .
Unokufaka isicelo seMediicaid, ufunde malunga neendlela zokufaneleka, kwaye ufunde ngezikhokelo eziphantsi-ntlawulo kwilizwe lakho ngokuqhagamshelana ne-inshurensi yempilo yomshuwalense. Okanye, ukuba unqwenela ukuqhagamshelana neprogram ye-Medicaid yelizwe ngokuthe ngqo, unokwazi ukujonga iinkcukacha zoqhagamshelwano ngokuchofoza kwimeko yakho kwiziko le-National Association of Medicaid Directors.
E-Minnesota, iNkqubo yezeMpilo eSeko ibizwa ngokuba yiNigeriaCare.
ENew York, iNkqubo yezeMpilo eSeko ibizwa ngokuba yiSicwangciso esiPhambili.
EMassachusetts, i-ConnectorCare iyafumaneka kubantu abanemali engenayo ukuya kuma-300 ekhulwini kwintlupheko.
Intsholongwane yempilo yonyango: Ukuba ulahlekile ukubhaliswa kwe-Obamacare, uya kulungele i-inshorensi yempilo xa usufumana umsebenzi nge-inshorensi. Nangona kukho ixesha elifutshane lokulinda ngaphambi kokuba kuqeshwe amashishini amasha efanelekileyo yinshurensi yezempilo, i-ACA iyayigqitha ngaphezu kweenyanga ezintathu.
Intsholongwane yeMpilo-Ntshana emfutshane : Ukuba iiprogram ze-inshorensi zempilo zangexesha elifutshane zifumaneka kwindawo yakho, unako ukubhalisa nanini na. Nangona kunjalo, imigaqo-nkqubo yexesha elifutshane ayinikezeli bonke ukhuseleko lwabathengi ukuba iinkqubo ezongezelelweyo zibonelela. Ngokomzekelo, izimo zakho ezikhoyo ngaphambili ziyakuthi zifakwe kwi-postage kwaye umgaqo-nkqubo uya kuba ngokuqinisekileyo unomlinganiselo wokuxhamla umgangatho (ezi zivunyelwe kwakhona phantsi kwe-ACA, kodwa i -inshorensi yempilo yexesha elifutshane ayilawulwa yi-ACA ). Ngenxa yezi minganiso, umgaqo-nkqubo wexeshana awunelisekanga igunya lika-ACA lokuba ne-inshurensi yempilo. Uya kufuneka uhlawule isohlwayo sokungaqiniseki, oku kusetyenziswa ngo-2018 .
Iinjongo zeNtshurensi yeMpilo emfutshane
Iingxaki zeNtsholongwane yeNtsholongwane yexesha elifutshane
I-HHS isebenze imithetho emitsha ukususela ngo-2017 enqamle izicwangciso zexesha elifutshane zingabi ngaphezu kweenyanga ezintathu kwixesha. Ulawulo lweTrump luqwalasela imimiselo yokurhoxisa umqobo wexesha lika-Obama kwizicwangciso zexesha elifutshane (nangona oko kwenzeka emva kokuba uMongameli uTrump ethathe isikhundla, kwapapashwa phantsi kwe-HHS kaMongameli Obama). Kulindeleke ukuba inkcazo yecebo elifutshane liza kubuyiselwa "ngaphantsi konyaka" ngelo xesha ngo-2018, kodwa imimiselo ecetywayo yayingakenziwa ngo-Januwari ngo-2018. vunyelwe ukuba neentsuku ezingama-364, ukufumaneka kwezicwangciso zangexesha elide kuya kuhluka ngobuso, njengoko kwenza ngaphambi ko-2017.
Ndiya kuNcinci. Yintoni ngoku?
Ukuba akukho zikhetho zingentla zisebenza kuwe kwaye awuyi kuqinisekiswa kuze kube yonyaka ozayo u-Obamacare ubhaliso oluvulekileyo, uzazi iklinikhi yakho yesikhulu esingekho okanye iZiko lezeMpilo lasekuhlaleni. Umthetho wokuNakekelwa koNonophelo olungabonakaliyo ukwandisa inkxaso kwiiNkonzo zezeMpilo zoLuntu ukuze bancede banakekele abantu abangenayo inshuwalense yezempilo.
Kungcono ulungiselele ukungaqiniseki usebenzisa le khowudi yokuhamba ngaphandle kwinshuwalense yezempilo .
Ngaba Ngaba Ndiza Kuhlawula Isohlwayo Zentela Yokuba Ngingenakunyuswa?
Igunya elilodwa elijongene noNonophelo loNonophelo lomntu wonke uthi bonke abahlali bezomthetho baseUnited States kufuneka babe ne-inshorensi yempilo okanye bahlawule isohlwayo sentela ebizwa ngokuba yi-individual responsibility charge payment. Le ntlawulo yerhafu yipesenti yemali yakho engenayo okanye isamba esicacileyo - naluphi na umkhulu-kwaye ihlawulwa xa ufaka iirhafu zakho zonyaka ongenakuqinisekiswa. Isohlwayo silinganiswe ukuba awuzange uncedured kuphela kwinxalenye yonyaka.
Isohlwayo satshitshiswa kwi-BOP yentlawulo yerhafu eyabelwe ngasekupheleni kuka-2017 , kodwa ukubonelelwa kwilwayo-mali ayiyi kusebenza kuze kube ngo-2019. Abantu abangabancedi ngo-2018 baya kuhlawula isohlwayo xa befake i-tax8 yabo yentlawulo ekuqaleni kuka-2019, ngaphandle kokuba bafanelekile ukuxolelwa.
Funda kabanzi malunga nesigwebo se-inshorensi yezempilo kunye nezi zixhobo:
Izinto ezi-9 zokwazi malunga neNtsholongwane ye-Intshuwalense yeMpilo
Ingakanani Umgwebo Womshuwalense Wezempilo Owodwa?
Ingakanani Inkophelo Yomshuwalense WezeMpilo Yentsapho?
Ngaba Ndingayigweba Isohlwayo leNtshuwalense yeMpilo?
Umntu olwabelwanayo uxanduva lokuhlawula luza kunye nezinye izinto. Ngokomzekelo, ukuba ingeniso yakho iphantsi kangangokuba unyanzelekile ukuba ufake ifayile yengeniso ye-federal, ukhululeka ngokuzenzekelayo kwisihlwayo. Nangona iingxaki zemali ezinjengokuxoshwa kwindlu yakho okanye ukufumana isaziso sokukhansela isingenakukufumana ilungelo lokuxolelwa.
Funda ngezinye iindlela zokufumana uxhoso lwe-inshorensi yempilo kwaye ugweme isohlwayo:
Indlela Yokufumana Ukukhutshwa Kobunzima Kwi-Intshurensi yezeMpilo
Ngaba Unako Ukuxolelwa Komshuwalense Wezempilo?
Xa I-My Next Chance I bhaliswe kwi-Obamacare?
Ukubhaliswa okuvulekileyo ngo-2019 kuya kuqaliswa ngoNovemba 1, 2018, kunye nazo zonke izicwangciso ezifanelekileyo ngoJanuwari 1, 2019.
> Imithombo:
> Isebe lezeMpilo kunye neNkonzo zoLuntu, uMkhuseli weMonde kunye noMthetho woNonophelo ojongene noThathaka, ukuThuthukiswa kweMarike . Ngo-Apreli 13, 2017.
> Isebe Lempilo Neenkonzo Zoluntu, Isaziso sePACACA seNzuzo kunye neParameters Payment for 2017 .
> Irejista yeSithili, iiNzuzo ezingeNye; Umyinge weMpilo kunye neNyaka; kunye nexesha elifutshane eliKota, i-insured-time-limited, u-Oktobha 31, 2016.
> I-United States Isebe Lemisebenzi, Ulawulo Lwase-Obama Lwamkela Umthetho Wokugqibela Ngomsebenzi Wokunakekelwa Okunyanisekileyo UmThetho wokuLungiswa kwexesha eli-90 lomhla wokuLinda, ngoFebruwari 24, 2014.