I-premium ye-Benchmark iyanda: Nakhu okufuneka ukwazi.
Iveki eledlule, i-HHS ikhishwe i-premium yeepriyam kwiiplani ezifumaneka kwi-Healthcare.gov ngo-2016. Enye yeengongoma ezithathileyo yenyuka ngama-7.5 ekhulwini kumazwe angama-37 asebenzisa i-Healthcare.gov ngo-2015 ( kunye nokudibanisa kweHawaii, ama-38 asebenzisa i-Healthcare.gov yobhaliso kwiqonga ngexesha lokubhalisa elivulekileyo le-2016).
Kodwa oko kuthetha ukuthini oko?
Isicwangciso sokulinganisela isicwangciso sesibini sexabiso eliphantsi kuninzi kwindawo. Ngoko ukuba uya kwi-Healthcare.gov (okanye indawo yakho yokutshintshiselana nomhlaba ukuba ungomnye we-13 uthi izinto zisebenzisana nazo) kwaye ufumane izicaphuno, icebo lesibini elingaphantsi kwexabiso leSiliva elikhuphayo libonisa cwangciso kwindawo yakho. Isizathu sokuba kubalulekile kukuba izibonelelo zenkxaso-mali zisekelwe ekugcineni ixabiso lentengo yesicwangciso sokutshekisha kwinqanaba elithathwa njengexabiso eliphantsi kwe-ACA.
Ingxelo ethi iHHS eyapapashwa ngeveki evelayo ibandakanya ukuguqulwa kweplani ye-premium ye-premium ku-37. Kodwa ngaphakathi kwiphondo, kukho izicwangciso ezahlukeneyo ezifumaneka kwiindawo ezahlukeneyo. Kwaye nangona isicwangciso sinye kwimimandla eyahlukeneyo, ixabiso lingahluke, kuba indawo enye yezinto ezingasetyenziselwa ukubeka iiprayimari.
Ingxelo ye-HHS ibandakanye umyinge welizwe jikelele kwiinguqu zokuqala kwee-premium, kodwa kwaquka iinguqulelo zokuqala kwee-premium kwiindawo ezingama-30 ezinkulu.
Le nkcukacha inceda ukubonisa indlela ama-premium ayimfuneko ngayo ahlukeneyo kwilizwe. Ngokomzekelo, kulo lonke elaseGeorgia, i-premium yeprogram ye-premium ye-benchmark iyanda ngo-6.1% ngo-2016. Kodwa kwisixeko sakwa-Atlanta, isicwangciso semilinganiselo yesilinganiso siya kuba yi-4.7% eyabiza ngo-2016.
Isicwangciso soBhenkmark sinokuhluka ngamnye ngonyaka
Enye into ebalulekileyo ekuqondeni ukutshintshwa kweprayim premium yinto yokuba uphawu lokuba lube luhlu oluhluke ngokupheleleyo ukususela kunyaka omnye ukuya olandelayo.
Ngo-2015, isicwangciso seSilivere esibiza ngeyona nto esezantsi kunokuba yiplani ye-$ 5,000 echithwe kwi-Carrier X. Kodwa ukuba i-Carrier X iphakamisa amaxabiso angaphezulu kweCarerier Y, isicwangciso sokutshatyalaliswa ngo-2016-kwindawo enye-ingaba yi-$ 4,800 Isicwangciso sokubanjiswa kwiCandelo Yenqwelo Y. Xa i-HHS ithi isicwangciso semilinganiselo yesilinganiselo senyuka kwixabiso ngo-7.5% ngo-2016, zithetha nje iindleko zesicwangciso esiphezu kweso sithuba seSiliva esiphantsi kwexabiso. Akuyi kubonakalisa ukuba i-premium iyatshintsha kangakanani kwisicwangciso esiphethe indawo ye-benchmark ngo-2015. Kwimeko ephakamileyo apha, ukuguqulwa kwentlawulo kubandakanya ukuthelekisa intengo ye-Carrier X ngo-2015 ngexabiso lika-Carrier Y ngo-2016.
Ngoko ukunyuka kwama-premium angu-7.5% kwiiphammama ze-bench mark akutshiyo nantoni na ngokwemiqathango yeprayimari yakho yangoku iyakushintsha. Kodwa linika isibonakaliso sokuba inkxaso yakho ye-premium ingashintsha njani ngonyaka ozayo. Kwakhona, kungumyinge nje; ezithile zihluka ukusuka kwenye indawo ukuya kwenye. Kodwa ukuba isicwangciso seSilivere esibiza ngeyona nto esiphantsi kwendawo yakho siya kuba kubi kakhulu ngo-2016 kunokuba kwakunjalo ngo-2015, inkxaso yakho iya kuba phezulu ngaphezu kwalo nyaka. Kwaye inyaniso iyenye. Kwimimandla apho i-premium yokubaluleka iya kuba yinto ephantsi ngo-2016, inkxaso-mali iya kuba yinto ephantsi, kuba ingekho inkxaso eninzi ukuze kufikelelwe iindleko ezintsha zecebo lokumisela ukuya kwizinga elifikelelekayo (i-Indiana, iMaine, i-Mississippi ne-Ohio bonke baya banama-premium angama-premium angama-premium e-state engama-2016 kunokuba ayenayo ngo-2015).
Thatha ixesha lokuthenga
Akukho ndlela yokukwazi ukuba isicwangciso sakho, isibonelelo sakho kunye nezinye iiplani kwindawo yakho ziya kuba ude uqhathanise ukhetho olukhoyo ngexesha lokubhalisa okuvulekileyo. Ukuvumela ukuba isicwangciso sakho sokuvuselela ngokuzenzekelayo sizalisekise xa ufumana invoyisi yakho yeJanuwari ; nangona uyazi ukuba i-premium yakho iplani ishintshi, isibonelelo esishintshayo sinokubangela ukuba i-premium ephezulu okanye ephantsi kunokuba uyilindele. Kwaye ekubeni abathwali banikela izicwangciso ezahlukeneyo kwiindawo ezahlukahlukeneyo kunyaka ozayo, unokufumanisa ukuba isicwangciso esitsha siya kunika ixabiso elingcono kunokuba ugcine lowo unayo ngoku. Akukho bukhulu bomntu obukhulu-xa lixesha lokuvuselela i-inshorensi yakho yezempilo - thengisa!
Ehlabathini lonke, amaxabiso emarikeni nganye (kuwo onke amanqanaba ensimbi kunye nezicwangciso zokutshintshiselwa ngaphandle) atyuka ngomyinge we-12% ukuya kwi-14% ngo-2016, engathathi mntu uthengi kwaye uyatshintsha kwisicwangciso esitsha. Kodwa ukuba abathengi bezithenga ngeenxa zonke, banokugqiba ngeenguqu ezisezantsi kakhulu kunoko.
NgoNovemba ukuya kuJanuwari ubhaliso oluvulekileyo - nganye imarike kuphela
Ukubhaliswa okuvulekileyo okuqala ngoNovemba 1 kwaye iyaqhubeka kude kube nguJanuwari 31 kuphela isebenza kwimarike yomshuwalense yempilo. Ukuba ufumana i-inshorensi yakho yempilo kumqeshi wakho, iwindow yakho yokubhalisa evulekileyo iyahluke. I-Medicare inesiseko sayo sobhaliso oluvulekile lweefestile kunye ne- Medicaid / CHIP yobhaliso olusebenzayo ngonyaka. Utshintsho lwephamm mark premium oluchazwe kwingxelo ye-HHS lusebenza kuphela kubantu abathengayo i-inshurensi yempilo kwi-ACA-edityanisiweyo yokutshintshana kumaziko angama-37 asebenzisa i-Healthcare.gov (nangona iiplani zizithengiswa ngaphandle kokungatshintshwa kwezi zizwe ziya kubona utshintsho lwezinga kufana nokutshintshwa kwezinga lokutshintsha).