Abantu abaninzi benza ukunyuka kokholo kwiinkonzo zokwabelana ngononophelo lwempilo
Umthetho woNonophelo olungabonakaliyo ufune ukuba abaninzi baseMerika baqhubeke nokugcinwa kwe-inshorensi yempilo ukususela ngoJanuwari 2014. Oku kuyaziwa ngokuba ngumthwalo wecala lokwabelana kunye okanye isigunyaziso somntu ngamnye, kwaye kuqinisekiswe isohlwayo serhafu elindeleke ukuba lilinganiselwa kuma-dollar ayi-1000 kwindlu yokuhlala engaxhaswanga ngo-2016 (isohlwayo ngenxa yokungaqinisekisiwe ngo-2016 iya kuvavanywa ekuqaleni kuka-2017 xa iifayile zentlawulo ye-2016 zifakwe).
Kodwa kukho uluhlu olude lokuxolelwa kwi-ACA . Omnye wabo ufumaneke kubantu abangamalungu enkonzo yokwabelana ngononophelo lwempilo (HCSM) ekhoyo kwaye ngokuqhubekayo ukwabelana ngeendleko zempilo zamalungu ukususela ngo-Disemba 31, 1999.
Iimfuno ze-ACA ze-HCSM zichazwe kwiphepha 148 lombhalo (Icandelo 1501) . I-HSCM kufuneka iqhubeke nokubandakanya amalungu emva kokugula, kwaye kufuneka ibe nophicotho-zincwadi zonyaka ezenziwa yinkampani yokuzimela ngokuzimeleyo. Kwaye amalungu e-HCSM kufuneka " abelane ngeseshoni esifanayo kunye neenkolelo zonqulo kunye nokwabelana ngeendleko zonyango phakathi kwamalungu ngokuhambelana nezo nkolelo ."
Ukususela ngo-2014, kwakukho i-HCSM ezingama-53 eziye zaqinisekiswa nguRhulumente wephondo, kwaye amalungu awo akhululwa kwi-ACA eyabelwe uxanduva lokubambisana. Uninzi lweeHCSM eziqinisekisiwe ziqhutywa ngamabandla amancinci kunye namaMennonite, kwaye unamalungu angaphantsi kwe-100 (qaphela ukuba ukukhululwa kwezenkolo ze-ACA kumyalelo ngamnye - ohluke kwi-exemption ye-HCSM- nayo isebenza kuma-Amish ne-Old Order eMennonite ) .
Kodwa kukho ii-HCSM ezininzi, kwaye ubulungu obunamanani bukhule ukusuka kuma-110 000 abantu ngo-2010 ukuya kubantu abayi-530,000 ekuqaleni kwawo-2016. Iinkalo eziliqela zilandelelana ngokukhula, kuquka neminye iminqweno yamaKristu ekukhuseleni izicwangciso zempilo ezibandakanya iinkonzo ezifana nokuqhekeza nokukhupha isisu, kwaye ukhethe esikhundleni sezicwangciso ezikwabelana ngeendleko zonyango kunye namanye amaKristu ngendlela engakumbi yeBhayibhile.
Ukongezelela, ubulungu be-HCSM kaninzi buyabiza kunexabiso lemali-mali ye-inshorensi yezempilo, nangona le nto ihluka ngokuxhomekeke ekubeni ingafanelekanga yini indlu okanye i-qualified subsidies kwi-inshurensi yezempilo.
Ukuba ucinga ukuhlawula i-inshurensi yakho yempilo ngokubaluleka kobulungu be-HCSM, yilokho okufuneka ukwazi:
- Ii-HCSM azikho i-inshorensi yezempilo, kwaye azifizi kunye neziqinisekiso, izigunyaziso kunye nokukhuselwa kwabathengi eziqhelekileyo kwizicwangciso ze-inshorensi yezempilo. Ngokutsho kwe-Alliance of Health Care Sharing Ministries, ama-30 athi " aqonda ngokucacileyo uhlobo lobunkonzo bezokwabelana ngempilo kwimimiselo yabo karhulumente kwaye bacacisa ukuba iikhowudi ze-inshorensi yomhlaba ayisebenzisi kubulungiseleli okanye abathathi-nxaxheba ." Ngamanye amazwi, imithetho yomshuwalense kunye nomthetho kulawo mazwe ayisebenzisi kwii-HCSM, kwaye isebe le-inshurensi yelizwe aliyi kukwazi ukungenelela egameni lelungu ukuba kukho iingxaki.
- Nangona kunjalo, ii-HCSM zi-501 (c) (3) zooNcedo, ngoko zilawulwa yiNkonzo yangaphakathi yeNgeniso kunye nabameli belizwe jikelele.
- I-HCSM ayifuni ukulandela imigaqo ye-ACA. Oku kuthetha ukuba akufuneki ukuba bafumane iingeniso zezempilo ezibalulekileyo, banako (kwaye benze) basenakukhuphela iimeko ezikhoyo ngaphambili kwaye banako (nokukwenza) ukubeka iifowuni zonyaka zonyaka kunye neenzuzo zokuphila .
- Kukho iinkxalabo zokuba i-HCSM inganciphisa uzinzo lwamaziko emngcipheko yengozi yomshuwalense wezempilo. Kungenxa yokuba ii-HCSM zithatha ukuthabatha abhaliseli bezempilo ngenxa yokuba bengagubungeli imeko ekhoyo ngaphambili. Bafuna ukuba amalungu agweme izinto ezifana nobulili ngaphandle komtshato, ukusetyenziswa kwecuba, iziyobisi ezingekho mthethweni, nokusetyenziswa kakubi kotywala, oku kunceda ekuphuculeni impilo yonke yobulungu babo. Kodwa ngokungagqibekanga, oku kubangela kwisithuba esiphelele-sempilweni esisemgangathweni se-inshorensi yezempilo, kwaye ekugqibeleni, iiprayimari eziphezulu.
- I-HCSM inokungafuni ukwabelana ngamabango aphumela ekuziphatheni okuvunyelwe. Ngoko-ke umfazi okhulelwe angayi kutshatyalaliswa kwiimpawu zokubeletha, kwaye izinto ezinjengezobisi zokusetyenziswa kotywala okanye ukusetyenziswa kweziyobisi azikwabelwana ngazo namanye amalungu.
- Ukuba ugqiba ukufuna unonophelo lwezempilo olungagqitywanga yi-HCSM yakho, okanye ukuba iibhili zakho zigqithise iifowuni zokwabelana ezinqunywe yi-HCSM yakho, uya kufuneka ulinde kuze kube yithuba elizayo lokubhalisa elivulekile ukuba ubhalisele isicwangciso sezempilo esihambelanayo neC ACA, ngaphandle kokuba unomcimbi ofanelekileyo .
- I-HCSM ingaba noonxibelelwano lwe-PPO (amalungu aya kuba noxanduva lweerhafu ezongezelelweyo xa bephuma ngaphandle kwenethiwekhi), okanye bangakwazi ukwabelana ngeendleko zamalungu kungakhathaliseki ukuba zeziphi izigulane nezibhedlele ezisetyenzisiweyo - kuxhomekeke kwi-HCSM.
- Ukuba ungumlungu we-HCSM, akufanele uhlawule isohlwayo se-ACA yokungaqiniseki, kwaye uya kusebenzisa ifomu 8965 ukubonisa oku xa ufaka i-tax return yakho. Le fomu inamalungu amabini - inxalenye ephezulu apho ubeka khona ukuxolelwa okunikezelwa nguchitshintshi kwimeko yakho, kwaye inxalenye engezantsi apho ubeka khona ukuxolelwa ovela kwi-IRS xa ufaka ukubuyela kwakho. Ukukhululwa kwamalungu e-HCSM kufumaneka ngeendlela zombini:
- Ukuze ufumane ukukhululwa kwintengiso, qhagamshelana notshintshiso kwimeko yakho (ukuba ungomnye wama-38 uthi usebenzisa i-Healthcare.gov, le fomu yesicelo sokuxolelwa). Uza kusebenzisa inombolo yesatifikethi sokuxolelwa esivela kuyo kushintshanisa ukugcwalisa inxalenye ephezulu yeFomu 8965.
- Ukubamba ukukhululwa xa ufaka i-tax return yakho, uya kusebenzisa inxalenye engezantsi yeFomu 8965, uze ufake ikhowudi "D" kwikholomu "uhlobo lokuxolelwa". Ukuba awuqinisekanga ukuba ubulungu bakho bubalwa njengokuba uya kukukhulula kwisigwebo somntu ngamnye we-ACA, qhagamshelana ne-HCSM ngeenkcukacha ezingaphezulu (ukuba umzekelo, i-HCSM yakho ayizange isebenze ukususela ngo-Disemba 31, 1999, Ndisaba noxanduva lokuhlawula isigwebo somntu ngamnye ukuba awunayo nayiphi na enye ifom yokubaluleka okungundoqo kubalulekile).
Ukuziphendulela : Eli nqaku lijongene nenjongo yolwazi jikelele, kwaye aluhlose ukubonelela ngeengcebiso zerhafu. Xhumana nomcebisi weerhafu ngaphambi kokumangalisa ukukhululwa kwe-HCSM kwisigwebo somntu ngamnye.