Amaxesha amatsha, UkuThengiswa kweNgcaciso, kunye noNcedo lokuNyuswa koNyango
Ukubhalisa ukuvota ngo-2018 ukuthengwa kwemarike nganye-kokubini ekutshintshisweni kunye nokutshintshiselana- kubhalwa ngoNovemba 1, 2017 kwaye iphelile emva kweeveki ezintandathu emva kweDisemba 15, kwiindawo ezininzi.
Oku kufutshane kunokuba ubhaliso oluvulekileyo luye kwiminyaka edlulileyo, kunye nesiqingatha ixesha elide njengoko ubhaliso oluvulekileyo lwaluqalile ukuqhutywa kulo nyaka. Kwisihlandlo sokuqala sokubhalisa okuphelile ngaphambi kokuqala konyaka omtsha.
Kukho iintlobo ezahlukeneyo zenguqu kunye nezinto ezifunekayo malunga nale nxalenye yesihlanu yokubhalisa. Kwaye umyalelo olawulayo ukuba uMongameli uTrump wasayinwe ngo-Oktobha 12 kwaye ukupheliswa kwemali yokunciphisa iindleko kuye kwongezelela ukudideka okuye kwaphazamisa ukulungiswa kwempilo ngoncedo ngo-2017.
Kodwa umyalelo olawulayo ulawula nje iindibano zorhulumente ezahlukeneyo ukuba zenze iingcebiso ngeenguqu ezinokuphunyezwa ukuphumeza iinjongo zoLawulo lweTrump. Ayinayo nayiphi na igalelo elikhawulezayo, kwaye ngokufikelela ekubhaleni okuvulekileyo ku-2018, akukho nto ishintshile ngolawulo olulawulayo.
Ukupheliswa kwemali yokunciphisa iindleko kuthetha ukuba iiprayimali ziza kuba ziphakamileyo kunokuba zingenjalo ngo-2018 , nangona iimpembelelo kwiinkalo ezininzi ziya kuba kwiiplani zesilivere, kwaye ziya kuhluthwa yi-grammatic premium inkxaso yabaninzi ababhalisile, okubangelwa iintlawulo ze-premiums zenkxaso-mali kubantu abaninzi, xa kuthelekiswa noko bahlawule ngo-2017.
Abathengi kufuneka baqhathanise ngokucophelela ukhetho olukhoyo ngexesha lokubhalisa okuvulekile, kodwa iinzuzo zokunciphisa iindleko ziyaqhubeka ziyafumaneka kuzo zonke iirejista ezifanelekileyo ngo-2018.
Bhalisa kwi-Healthcare.gov
Uhlahlo lwabiwo-mali
Ukongezelela kwithuba lokubhalisa elifutshane elifutshane, ulawulo lweTrump ludlulise imali kunye nokuthengisa imali kwi-HealthCare.gov, okubangela ukuthengiswa okuncinci kwintengiso kunye nabancinci abantu abancedisayo ukubanceda abantu babhalise.
Uhlalutyo olufihliweyo lwaseCalifornia lufumanisa ukuba imali eyancitshiswayo ingabangela ukuba izigidi ezibhalwe kwi-HealthCare.gov zithi ngo-2018 (ekugqibeleni, ukubhaliswa kwaphela kwii-8.7 yezigidi kwi-HealthCare.gov kuthi, ukusuka kwi-9.2 yezigidi kunyaka ongaphambili). Kwaye kuba ngaba ngababhalisile abanempilo abanokuthi bangabhaliswa, ii-premiums ziza kuqhubeka ziphakame ukukhupha igumbi lokugula labantu.
ISebe lezeMpilo laseMelika kunye neeNkonzo zoLuntu (HHS) lisetyenziselwa i-$ 10 yezigidi ukuthengiswa kwezeMpiloCare.gov, ukuhla kwe-$ 100 yezigidi ngonyaka odlulileyo. Ngokombono, iCalifornia-enezitshintshiselwano zayo-yayilungiselela ukuchitha i-111.5 yezigidi-ngaphezu kwezihlandlo ezili-11 ngaphezu kwe-HHS eza kuchitha ukuthengisa i-HealthCare.gov, nangona i-HealthCare.gov yabhalisa abantu abangama-6 ngokuphindaphindiweyo kwesi-2017 njengeColfornia efihliweyo. Ulawulo lweTrump liye lanciphisa uhlahlo lwabiwo-mali lwemibutho ye-Navigator (uncedo lokubhalisa) ngama-41 ekhulwini.
Ukuhlanganiswa kwexesha elincinci lokubhalisa, ukuthengisa okuncinci kakhulu, kunye nokuncedisa ukufumana uncedo oluncinane kunokubangela ukudideka kwamava kubhaliso ngabanye bemarike. Ngoko, makhe sijonge utshintsho kunye nento ofuna ukuyazi ukuba uthenga i-inshurensi yakho yempilo kwimarike nganye.
Isikhathi
Kwinkoliso ezininzi, ukuba ubhalisele ukuthengiswa kwemarike-okanye ukutshintshiselana-ngo-2018, ube neveki ezingaphezu kweenyanga ezintandathu ukugqiba ukubhaliswa kwakho okanye wenze utshintsho kwi-coverage yakho ekhoyo. Esi siqingatha ixesha elide ubenalo ngexesha lokugqibela lokubhalisa. I-HHS yatshintshile imihla ngo-Apreli 2017, ukusika iwindi yokubhalisa ehleliweyo kwisiqingatha.
Ubhaliso oluvulekileyo luqale ngoNovemba 1 kuwo onke amazwe kwaye luphela ngo-Disemba 15 kuzo zonke iimeko ezilishumi kuphela. Ngaphandle kokuba ungowesinye sezizwe ezongezelele ukubhaliswa okuvulekile, awuyi kuba nethuba lokubhalisa okanye wenze utshintsho kwi-post yakho emva kukaDisemba 15 ngaphandle kwesiganeko esifanelekileyo .
Nangona kunjalo, abantu baseGeorgia, eFlorida, eSouth Carolina, eAlabama, eMaine, naseMexico, naseTexas, naseMississippi baye bafikelela ngo-Disemba 31 ukuze babhalise kwi-2018, ngenxa yeziphepho zomoya kunye neempukane ngokuwa kwe-2017. iphuma kwimarike ekupheleni konyaka we-2017, unexesha lokubhalisa elikhethekileyo ngexesha ongakhetha ngayo isicwangciso esitsha. Iyaqhubeka ngo-Matshi 1, kodwa ukuba ukhetha isicwangciso esitsha ngo-Disemba 31, kuya kusebenza ngoJanuwari 1, 2018.
Ukuqhubela phambili ukucwangcisa iwindi yokubhalisa, iHHS yabhengezwa kwiseshoni yoqeqesho ngasekupheleni kukaSeptemba ukuba i-HealthCare.gov, i-portal yokubhalisa i-portal esetyenziswe ngabantu base-39, ayiyi kubakho ngenxa yesondlo esilungiselelwe isigxina semini kwiiCawa ezininzi ngexesha lokubhalisa okuvulekileyo, kwaye ngobusuku ngosuku lokuqala lokubhalisa oluvulekile, ngoNovemba 1.
Le nto yayingummangalo omkhulu, kwaye yanciphisa iifestile yokubhalisa evulekile iintsuku ezintathu ezipheleleyo.
UmGaqo okhoyo
NgoNovemba 1 ukuya kuDisemba 15 iwindi yokuvula yobhaliso evuliwe kwintengiso yemveliso nganye ehambelana noMthetho ononophelo loNonophelo (ACA, aka-Obamacare), kokubili kunye nokutshintshiselana. Ngokutsho kohlalutyo lukaMark Farrah Associates, kukho abantu abayizigidi ezili-17.6 kule marike.
Kukho iifestile zokubhalisa ezivulekileyo ezisebenza kubantu abane-Medicare kunye ne-inshorensi yempilo exhaswe ngumqashi, kodwa abachaphazelekayo nguqulelo lolawulo lweTrump.
Kwaye abantu abanamakhulu amakhulu okanye abakhulu abazithengiswa ngabathengi nabo abachaphazelekayo. Ezi zicwangciso azisekho ukuthengwa kwaye ke akanalo iifestile zokubhalisa ezivulekileyo.
Nangona kunjalo, ukuba unesicwangciso esinqununu okanye esikhulu, kuyona nto inomdla ukuba ubone ukuba uthelekisa njani izicwangciso ze-ACA eziya kutholakala ngo-2018, ingakumbi ukuba unelungelo lokufumana inkxaso-mali ye- premium okanye inkxaso -mali yokwabelana ngeendleko. utshintshiselwano.
Yintoni Oyaziyo Ngaphambi Kokubhalisa
Kubaluleke kakhulu ukuba uqaphele iinkcukacha ezikufumanayo ekutshintshiseni-okanye kwi-inshurensi yakho ukuba unomsebenzi wokuthengiselana. Qinisekisa ukuba uyaqonda ukuba i-premium yakho iya kunyuka kangakanani kwaye ukuba unesibonelelo se- premium ngokutshintshiselana, qonda ukuba i-premium yakho emva kokuncedisa i-premium iya kutshintsha njani.
Naka ingqalelo kunye neenkcukacha zengxelo efingqiweyo kwinkcazelo yokuvuselela oyifumana kwi-insurer yakho kunye / okanye utshintshiselwano. Abatshutshisi banokuphelisa isicwangciso kwi-intanethi kunye "ukuwela" okanye "imephu" ababhalisayo kwisicwangciso esitsha kunye neenzuzo ezifanayo. Ukutshintshisana nako kunokukwenza oku ukuba umshwalense ushiya ukutshintshiselana ngokupheleleyo.
Kwiminyaka edlulileyo, abantu banethuba lokwenza utshintsho kwiinkcukacha zabo ngoJanuwari ukuba babanjwe baqaphele ngeprayim ephezulu okanye utshintsho olwenziwe ekuqaleni kwonyaka omtsha. Oku akusayi kuphinda kutholakale ngo-2018, ngoko kubalulekile ukuqinisekisa ukuba uyayiqonda iinkcukacha ngaphambi komhla kaDisemba kwaye wenze nayiphi na inguqu ebonakala uyimfuneko.
Amanyeneyo ngokuBhaliswa okuBanzi
Iintetho ezilishumi eziqhutywe ngurhulumente ziye zakhetha ukongeza ixesha elongezelelweyo ekupheleni kwexesha lokubhalisa elivulekileyo elihleliweyo eli lixesha lokubhalisa / ubusika, kwaye i-HHS ikhishiwe ixesha lokubhalisa elikhethekileyo kwezinye ixhoba leempukane kwiintetho ezintathu ezisebenzisa i-HealthCare.gov. Qaphela ukuba ezi zithuba zangexesha elilodwa kwaye aziyi kusebenza kwiminyaka ezayo.
Ukutshintshiselwa kwabhalisa kula mazwe kuya kuba nexesha elide lokubhalisa kwi-2018:
- Maryland: Disemba 22 (zonke izicwangciso ziya kusebenza ngoJanuwari 1)
- I-Connecticut: Disemba 22 (zonke izicwangciso ziya kusebenza ngoJanuwari 1)
- Rhode Island: NgoDisemba 31 (zonke izicwangciso ziya kusebenza ngoJanuwari 1)
- I-Colorado: NgoJanuwari 12 (urhulumente uqinisekisile ukuba oku kusebenza ngokutshintshiselana)
- ENigeria: ngoJanuwari 14
- IWashington: ngoJanuwari 15
- EMassachusetts: NgoJanuwari 23 (ukubhaliswa kwabangeniswe ngomhla kaDisemba 23 kuya kusebenza ngoJanuwari 1; ukubhaliswa kwabangeniswe phakathi kukaDisemba 24 noJanuwari 23 kuya kubakho inqaku elifanelekileyo ngoFebruwari 1)
- DC: uJanuwari 31
- ECalifornia: uJanuwari 31
- ENew York: ngoJanuwari 31
DC, eCalifornia, naseNew York bonke bakhetha ukugcina ixesha lokubhalisa elivulekileyo eliye lalindeleke ukulungiselela ukubhalwa kwe-2018. Ezinye ezisixhenxe zokutshintshana zithatha ixesha elidlulileyo kwixesha elithile ukuzama ukufumana iintsuku zokuqala ezinokuqala (ngoJanuwari 1 okanye ngoFebruwari 1) ngeli xesha liza kunika abantu ixesha elongezelelweyo lokubhalisa ngaphaya kokungagqibekanga ngomhla we-15 kuDisemba.
Ukulungelelanisa ukunyusa ukubhaliswa okuvulekileyo kunqamle ukuba akusebenzi ukusebenzisa i-HealthCare.gov-kwaye kubakho abangu-12 kuphela. Ababini kwezi-12 abazange bandise ukubhaliswa okuvulekileyo- iVermont no-Idaho bagqiba ukubhaliswa okuvulekileyo ngoDisemba 15.
Ukongeza kwii-intanethi eziqhutywe ngurhulumente ezongezelele ukubhaliswa okuvulekileyo, i- HHS yabhengezwa ngasekupheleni kukaSeptemba ukuba abanye abahlali abachaphazelekayo ngeempukane ngo-2017 bekuya kufikelela ekupheleni kukaDisemba ukuba babhalise kwizicwangciso nge-HealthCare.gov ngo-2018. Eli xesha lokubhalisa elikhethekileyo ( Disemba 16 ukuya kuDisemba 31) isebenza kubantu abahlala kuyo (okanye bahlala apho iphoyisa lishayayo) elinye lamabhunga ama-FEMA abonakala afanelekileyo "uncedo ngamnye" okanye "uncedo loluntu" emva kweeNkupho i-Irma noHarvey.
Oko kuquka:
- Iibalo ezisixhenxe eGeorgia
- Umhlaba wonke waseAlabama
- Umhlaba wonke waseFlorida
- Umhlaba wonke waseMzantsi Carolina
- Umbuso wonke weMaine (ngenxa yezivunguvungu ezithatha ilizwe ngo-Oktobha 2017)
- Amaqela angama-53 aseTexas
- 32 iipariti zaseLouisana
- Amanqanaba asi-7 eMississippi
Uncedo lokuBhalisa
Ukongeza ekunciphiseni ukubhaliswa okuvulekileyo kunye nokuxhaswa kwemali yokuthengiswa kwezeMpiloCare.gov, ulawulo lweTrump lugxile inkxaso kwiinkampani ze-Navigator ngamaphesenti angama-41 xa kuthelekiswa nenkxaso-mali abaye bayifumana ekubhaleni okuvulekileyo ekupheleni kwe-2016. Ukufumana uncedo lokubhalisa kunokuba nzima kulo nyaka.
Ukutshintshiselwa kombuso kuqhuba uhlahlo lwabo lwabiwo-mali. Ngokomzekelo, utshintshiselwano lweConnecs ludlulisela ukuncedwa kwabo ngabanye kwiindawo ezahlukeneyo kwilizwe lonke. Kodwa uninzi lwamazwe lithembele ekutshintshiseni ngokusemthethweni kwaye aluyi kuba nexhaswa elininzi lo kuwela kubhaliso lwabantu.
Ukuba ucinga ukuba unokufuna uncedo lokukhetha isicwangciso okanye ukubhalisa, kuqiqeshwe ukuba wenze i-aphoyintimenti ngaphambi kwexesha kunye nomthengisi okanye umqhubi wendawo kwindawo okanye ukufumana ukuba imibutho ebantwini bakho iya kuba ngabacebisi ababhalisiweyo ngokubhaliweyo ngexesha lokubhalisa okuvulekileyo.
Izizathu zokuBhaliswa okufutshane
Kubalulekile ukuqonda ukuba ixesha elifutshane elibhalisiweyo lokubhalisa, eliyingxenye yemigudu yokuzinzisa imakethe, yayilungiselelwe phantsi kwe-Obama Administration, kwaye yacetywa ukuba isebenze ekupheleni kuka-2018. Ulawulo lweTrump lugqithisile olo nyaka, ukuba kusebenze ngokuwa kwe-2017 endaweni yoko.
Ukunyuswa kokunciphisa ukubhaliswa okuvulekileyo ukuqala kokuwa kwe-2017 kwakuyinxalenye yemimiselo yokumaketha kwimarike eyenziwa yi-HHS ngo-Ephreli 2017. Ingcamango yayikukuba abaqinisekisi bafuna ukuba baninzi abantu abanakho ukubhalisa kwi-coverage ye-full-year ukuze bahlale uzinzo oluzinzileyo, kunye nokuphelisa ukubhaliswa okuvulekileyo ngaphambi kokuphela kukaDisemba yindlela yokufeza loo njongo.
Kwiminyaka edlulileyo, xa ubhaliso oluvulekileyo luqhubeka kunyaka omtsha, abantu bangabhalisa kwi-coverage ngasekupheleni kukaJanuwari kwaye babe nomhla wokuqalisa ngoMashi 1. Oko kwakuthetha ukuba bahlawula iiprayimari kuphela kwiinyanga ezili-10 zonyaka, kunokuba zi-12.
Abantu abagulayo abanako ukwenza oku. Babenobhaliso obuphilileyo-abantu abakufuneka kakhulu kwi-pool yokubeka ingozi ukuze bahlale bezinzile-ababesayinela ukunyusa unyaka. Abatshutshisi kunye nokutshintshana bayazi ukuba oku akusiyo kwaye kwaye ixesha elifutshane elibhalisiweyo lokubhalisa liyindlela yokulungisa umba.
Kwaye kwakhona, i-HHS, phantsi kwe-Obama Administration, yayifike kwisigqibo esifanayo kwimimiselo abayigqibile ekuqaleni kwawo-2016. Kodwa icebo lalo xesha laliza kunika iinkampani zomshuwalense, ukutshintshana kunye nabathengi ixesha elide lokulungiselela ukubhaliswa okufutshane ixesha njengoko kwakungenakucwangciswa ukuba kusebenze ukusa kwe-2018.
Kunoko, imihla emitsha yaqalwa ngo-Apreli 2017, nje ngeenyanga ezimbalwa ngaphaya kokuqala kokubhalisa okuvulekileyo. Oko akuzange kunike ama-insurers, ukutshintshana, okanye abathengi ixesha elide lokujongisa utshintsho, yintoni ke ukulawula ukuzinza kweemarike ngokucacileyo ukuba ukutshintshiselwa kwamashishini karhulumente kunendlela yokusebenzisa ukuguquguquka kwabo ukunyusa ukubhaliswa okuvulekileyo ukuwa kwalo.
Ukuqonda ukuphikisana
Ingcamango yokubhaliswa okufutshane emfutshane ephela ngoDisemba, nazo zonke izicwangciso eziphunyeziweyo ngoJanuwari 1, zaziphikisana nangona i-HHS phantsi kolawulo luka-Obama lucetywa ngasekupheleni kuka-2015. I-HHS ixoxe ngeengcamango ezingavumiyo kwimimiselo ebeyiqedile ekuqaleni kwawo-2016.
Ngoko, nangona uMongameli uTrump uye wathi ngokuphindaphindiweyo ukuba "uya kuvumela u-Obamacare ukuba acele," ixesha elibhaliweyo lokubhalisa lalingelona ngcamango yolawulo lweTrump, kwaye ingxabano ejikeleze ngoku sele ikhona ngaphambi kokuba iTrump iphumelele ukhetho lwango-2016. Kodwa, imali eyancitshiswayo yokuthengisa, ukufikelela, kunye nokubhaliswa kwenkxaso yombono weCandelo loLawulo lweTrump kwaye iyonakalisa ngokuthe ngqo imarike nganye njengoko kuya kubangela ukuba bambalwa, nabagulayo, ababhalise ngo-2018.
Abaxhasi besikhombiso sosuku lokubhalisa olufutshane oluya kunceda ukuqinisekisa ukuba wonke umntu unyaka wokugqibela. Bakholelwa ukuba iifestile yokubhalisa inyanga ezintathu ayisadingekile ngoku ukuba ukutshintshiselana kusebenza ngokufanelekileyo kunye nabaqhankqalazi kunye nabathengi basebenziselwa ukuqhelekileyo kwintengiso.
Kodwa abachasene nefowuni evulekileyo yokubhalisa iwindow, ukuba imarike nganye iyaxhamla, oku kuthetha ukuba abantu bajikeleza baze baphume kuwo ukususela kunyaka ukuya kutsho kwaye kukho abantu abatsha abafuna ukuthenga ukuthengwa kwemarike nganye ngexesha lokuqala. Baphinde babonise ukuba iwindow entsha iguqa ixesha lokubhalisa elikhoyo. Kwaye, abaninzi abanomthengisi abancedisayo abantu kwiimarike zodwa baya kunceda abantu kwiimarike zeMedare, betyula uncedo oluthile olufanelekileyo.
Izicwangciso zentengiso kwiimarike zodwa zixhaphake ngokukodwa, kunye nabatshutshisi abaphumayo baze bangene kwiimarike ngonyaka, kunye neenguqu kunye nenzuzo yenguqu. Oku kwenza kube nzima (kwaye ngokuqhelekileyo kunenzuzo) ukuba abantu "bawubeke kwaye bayalibale" xa kuziwa kwi-inshurensi yempilo yabo yemarike. Kubalulekile kwaye kuyimfuneko ukuba uthengise malunga nomnyaka ngamnye, kwaye iwindi yokubhalisa ifakwe kwintsikiti yenza kube nzima kumntu ngamnye kumarhwebo ukuba akwazi ukwenza oku, ingakumbi ukuba ufuna uncedo kwinkqubo.
Abachasene nefestile elibhalisiweyo elifutshane libala ukuba abantu abagulayo banomdla wokubhalisa ngokukhawuleza, ngokukhawuleza kwirejista yokubhalisa. Kodwa abantu abatsha, abasempilweni (oko kukuthi, "abancinci abasemncinci") banokuthi bangabonakalisi kwaye batyikitye ngomzuzu wokugqibela. Kulo nyaka, kubaluleke kakhulu ukuthetha nabo kubemi abavulekileyo ukubhalisa kuphelile ngoDisemba 15 ukuze bangalindi ixesha elide baze balahleke iifestile ngokupheleleyo.
Kuthiwani Ukuba Ndifumana Umvuzo Ngomqeshi Wam?
Ukuguqulwa kokubhalisa okuvulekileyo kunye nemigqaliselo echazwe ngasentla isebenza kuphela kwimarike yempilo yomshuwalense, ngoko ke ayichaphazeli abantu abafumana u-inshorensi yempilo kubaqeshi babo. Kodwa ukuba unomshuwalense wezempilo oxhaswe ngumqeshi, ixesha lakho lokubhalisa elivulekileyo lingahlala lithatha ixesha lokubhalisa.
Izicwangciso ezininzi zempilo ezixhaswe ngumqeshi zibambe ixesha lokubhalisa okuvulekileyo ekuwa, ukwenzela ukuba utshintsho lwangaphandle lunokusebenza ngoJanuwari 1 wonyaka ozayo. Akunjalo ngaso sonke isikhathi-kodwa umqeshi wakho unokuba nesicwangciso esingalandeli lonyaka wekhalenda, ngoko ukubhalwa kwakho okuvulekileyo kungaba yinto eyahlukileyo yonyaka.
Ukubhaliswa okuvulekileyo kwezicwangciso ezixhaswe ngumqeshi kaninzi kufutshane kunefestile yokubhalisa esetyenziswe kwimarike nganye, kodwa umqeshi wakho uya kuqhagamshelana nomhla ophambili osebenza kwisicwangciso sakho. Umqeshi wakho angabamba iintlanganiso zabasebenzi ukuba balungiselele ukubhaliswa okuvulekileyo, okanye bangathumela ulwazi lomntu ngamnye kumqeshwa ngamnye. Ukuba unemibuzo, ngoku ixesha lokubuza. Ukuba awuqinisekanga nayiphi na isigama esetyenziswe ukuchaza izicwangciso, cela uncedo ngaphambi kokuba wenze isigqibo.
Abasebenzi bahlala benamathela kwisicwangciso esifanayo ukusuka kunyaka omnye kuya kwesinye kuphela ngenxa yokungena-nangona xa kukho ukhetho olungcono. Ukuba umqeshi wakho unika ukhetho olungaphezulu kwesicwangciso esisodwa, kulungele ixesha lakho ukuqwalasela ngokucophelela isicwangciso ngasinye ngexesha lokubhalisa okuvulekile. Khangela indlela oza kuhlawula ngayo kwiimali-premiums (inani eliza kuncitshiswa kwi-paycheck yakho), kunye nokuba uza kuhlawula phi iindleko ze- out-of-pocket xa ufuna unonophelo lwempilo. Cinga ngemali yakho yakutshanje yokunakekelwa kwempilo, kwaye uqwalasele nayiphi na iindleko ozilindele ukuba zingene kulo nyaka ozayo. Ukuba enye yezinye iindlela zokucwangcisa iza kubonisa inani elingcono kunaloo nto unayo ngoku, ukubhalisa okuvulekileyo kuyithuba lakho lokutshintsha izicwangciso, kwaye umqeshi wakho unokuba nenkqubo ekhoyo eya kwenza kube lula ukwenza njalo.
Ukuba wena okanye naluphi na amalungu entsapho yakho uthatha izidakamizwa zonyango okanye ubone udokotela othile, qiniseka ukuba uphinde uhlolisise uluhlu lwezonyango ezikhuselekileyo ( ifomethri ) kunye neenkcukacha zesevisi zomnxeba kuzo zonke izicwangciso zomqeshi wakho. Ukuba utshintshe izicwangciso uze ufumane emva kokuba isicwangciso esitsha sisebenza kakuhle ukuba amayeza akho kunye / okanye ugqirha akafihliweyo, uya kufuneka ulinde unyaka ozayo ubhaliso oluvulekileyo ukutshintsha izicwangciso kwakhona.
Kuthiwani Ukuba Ndilahlekelwa Ubhaliso Ovulekile?
Emva kokuba ubhaliso oluvulekile luphela, ithuba lakho lokubhalisa kwi-inshurensi yempilo yonyaka ka-2018 iya kunqunyulwa . Uyakwazi ukutyikitya kwiminyaka emininzi xa ufumana isiganeko esifanelekileyo (umzekelo, ukulahlekelwa kwenkcazo, umtshato, njl.), Kwaye kwiimeko ezininzi ezisebenzisayo kwizicwangciso ezithengwa ngokutshintshiselana okanye ngqo kwiinkampani zomshuwalense.
Kodwa ngaphandle kwesiganeko esifanelekileyo, awuyi kukwazi ukubhalisela isicwangciso se-inshurensi yempilo enkulu yonyango kuze kube yithuba elilandelayo lokubhalisa elivulekileyo liqala kwakhona ngokuwa kwe-2018.
Ukubhaliswa kwe-Medicaid kunye ne-CHIP kunyaka-ke, nangona kunjalo, kwabo bafanelekile. Kwaye amaMelika aseMerika angabhalisa kwizicwangciso zempilo ngokudityaniswa kwangexesha lonke .
ILizwi
Siyazi ukuba i-inshorensi yempilo ingadideka, kwaye ngokuqinisekileyo i-2017 iye yongezelela kuloo mpikiswano kunye nengxabano eqhubekayo yokulungiswa kwempilo. Kodwa isakhiwo esipheleleyo semarike nganye siya kufana ngo-2018 njengoko kwakunjalo ngo-2017.
Izibonelelo zakho ze-premium kunye nokunciphisa iindleko ziya kufumaneka, kwaye ukutshintshana kuzo zonke iimeko zisebenza ngokufanayo njengoko zazikho ngexesha lokugqibela lokubhalisa. Nangona ulawulo lweTrump luye lwacima inkxaso-mali yokunciphisa iindleko, impembelelo yale ( iiphammamu eziphezulu-ngakumbi kwiiplani zesilivere-phantse kuwo onke amazwe ) ziya kuthwala kakhulu urhulumente wephondo, ngohlobo lwe-premium inkxaso. Ukunciphisa iindleko ngokwabo kuya kuqhubeka kutholakala ngo-2018 kunoma ngubani na ootitshala ababhalisiweyo.
Kwaye nangona kukho izihloko eziphindaphindiwe ngokuphathelele iinkalo ezingabandakanyeki nabanini-mali abacwangcisa ukunikezela ngo-2018, zonke iindawo ezisemaphandleni kwilizwe zine-inshurensi enye idibeneyo ukuze inikezele nge-exchange coverage. Yaye nangona i-Bill ye-GOP yerhafu igqityiwe isigqibo somntu ngamnye, olo tshintsho aluyi kusebenza kuze kube ngo-2019. Ngoko abantu abangenakunikwa inkxaso ngo-2018 baya kuhlwaywa xa batyala iirhafu zabo ngasekuqaleni kuka-2019.
Imihla ishintshile ukuba kubhaliso oluvulekile kwiinkoliso ezininzi, kwaye isabelomali sokukhangisa sakwa-HealthCare.gov sithetha ukuba abantu abanako ukungazi ngefestile evulekileyo yokubhalisa iwindi. Ngoko ukuba uyayazi umntu othenga i-inshurensi yezempilo, sasaza ilizwi!
Bhalisa kwi-Healthcare.gov
> Imithombo:
> Isebe Lempilo Neenkonzo Zoluntu. Register Register. Ukukhuselwa komonde kunye noMthetho woNonophelo onoxanduva, iSaziso seHHS soNcedo kunye neParameters yokuhlawulwa ngo-2017. Matshi 6, 2016.
> Isebe lezeMpilo kunye neeNkonzo zoLuntu. Ukukhuselwa komonde kunye noMthetho ononophelo loNonophelo, iMakethe yozinzo . Epreli 2017.
> Isebe Lempilo Neenkonzo Zoluntu. Iipolisi ezihambelanayo neNkqubo ye-Navigator kunye nokuBhaliswa kweMfundo kwixesha elizayo lokuBhalisa . Agasti 31, 2017.
> Mark Farrah Associates. Ngomfutshane Jonga kwiNkcazo yeMpilo yomshuwalense weMpilo. Julayi 19, 2017.