Kukho iinkqubo ezininzi ezenzelwe ukunceda abahlwempuzekileyo, kodwa ukuba ngubani ohluphekileyo kwaye ongeyimihlwempu unokuba nzima. Urhulumente wephondo wase-United States unesisombululo kule ngxaki.
Ngomhla kaJanuwari, iSebe lezeMpilo kunye neenkonzo zoLuntu lijongene nezikhokelo zentlupheko yomnyaka wezoqoqosho ekuchazeni ukuba ngubani, ngokukodwa, ohluphekileyo. Ezi zikhokelo zibizwa ngokubhekiselele kumgangatho wobuhlwempu, kwaye zisetyenziselwa ukuchonga ukufaneleka kwezibonelelo ze- premium kunye nenkxaso -mali yokwabelana ngeendleko kwintsebenziswano yombuso ngamnye, kunye nezinye iinkqubo.
Umphumo wobukhulu beentsapho
Ekubeni ixabiso lokutya, indlu, kwaye yambethe intsapho enkulu kunentsapho encinane, izikhokelo zihluka ngohlobo lwentsapho. Eyona nentsapho yakho enkulu, inzuzo engenayo enokuba nayo ibe iswele phantsi kwinqanaba lehlwempu. Itheyibhile yokukhokela uluhlu lwamanani obuninzi bentsapho yamalungu angama-asibhozo entsapho. Kuthekani ukuba unabantu abangaphezu kwesibhozo kwintsapho yakho? Izikhokelo ziquka ifomula elula kwi-akhawunti kwilungu ngalinye losapho olongezelelweyo.
Imindeni yaseUnited States igcina iphepha elibonisa imivuzo yeentsapho ezahlukeneyo kunye neepesenti ezahlukahlukeneyo zentlupheko. Olu luncedo oluthile luncedo ngokubhekisele ekuboneni kwikhangela yemali engenayo iza kwenza iintsapho ezahlukileyo ezifanelekileyo kwi-Medicaid, CHIP, okanye inkxaso-mali ye-ACA kunye nenkxaso-mali yokwabelana ngeendleko.
Umphumo weNgingqi
Ekubeni kubiza kakhulu ukuhlala kwezinye iindawo kunabanye, i-HHS ipapasha izikhokelo ezintathu ezihlukeneyo:
- Alaska
- EHawaii
- Amanye ama-48 athi kunye neWashington DC
Akukho zikhokelo ezicacileyo zasePuerto Rico, i-US Virgin Islands, i-American Samoa, i-Guam, i-Marshall Islands, iMicronesia, i-Northern Mariana Islands, okanye iPalau. Ukuba uhlala kwenye yale mimandla kwaye ucela uncedo kwiprogram esebenzisa izikhokelo zentlupheko yesigxina ukuqinisekisa ukuba ufanelekile, kuya kufuneka ucele ukuba yiyiphi isikhokelo senkqubo esetyenziswayo.
Kuye kwi-ejensi ehambisa inkqubo yoncedo yokugqiba.
Akukho zintengiselwano ze-inshurensi yezempilo (kwaye ke, akukho inkxaso-mali yeprayimenti okanye inkxaso-mali yabelana ngeendleko) kwimimandla yase-US. I-Medicaid kunye ne-CHIP ziyafumaneka, kwaye imimandla ine-yazo-eyona ndawo-eyimfuneko yokufumana iziqinisekiso zokufaneleka.
2017 Izikhokelo
Uyakwazi ukubona izikhokelo zeminyaka emininzi apha. Amanani akwitafile ezingezantsi zingama-2017. Ezi ziya kusetyenziswa ukuchonga ukufaneleka kwezibonelelo ze-premium kunye neenkxaso-mali zokwabelana ngeendleko ngexesha lokubhalisa kweemarike ezivulekileyo ekupheleni kuka-2017 kunye nabani na ababhalisa ngo-2018 ngekota ngo-2018 njengesiphumo lomcimbi.
Amanani omgangatho wobuhlwempu we-2017 aya kuqhubeka asetyenziselwa ukuchonga ukufaneleka kweMedicaid ne-CHIP kuphela kwaze kwaba yilapho amanani enqanaba le-2018 ehlwempu apapashwa ngoJanuwari 2018.
I-FPL yee-48 eziManyeneyo kunye ne-Washington DC | |
|---|---|
Uhlobo lwezindlu | Isikhokelo sobuhlwempu |
1 | $ 12,060 |
2 | 16,240 |
3 | 20,420 |
4 | 24,600 |
5 | 28,780 |
6 | 32,960 |
7 | 37,140 |
8 | 41,320 |
FPL yeAlaska | |
|---|---|
Uhlobo lwezindlu | Isikhokelo sobuhlwempu |
1 | $ 15,060 |
2 | 20,290 |
3 | 25,520 |
4 | 30,750 |
5 | 35,980 |
6 | 41,210 |
7 | 46,440 |
8 | 51,670 |
FPL yeHawaii | |
|---|---|
Uhlobo lwezindlu | Isikhokelo sobuhlwempu |
1 | $ 13,860 |
2 | 18,670 |
3 | 23,480 |
4 | 28,290 |
5 | 33,100 |
6 | 37,910 |
7 | 42,720 |
8 | 47,530 |
Izinto Ezifanele Uzazi
Ukuba uthelekisa imali yakho engenayo kwiFPL ukuze ubone ukuba unelungelo lokufumana uncedo lwe- inshorensi ye- Care Act engabonakaliyo, kukho izinto ezimbalwa ozifunayo ukuze wazi kuqala.
- Ukufaneleka kwemali yentlawulo ye- premium (inkxaso-mali ye-premium) kunye nenkxaso -mali yokwabelana ngeendleko isekelwe kwi-FPL ukususela ngonyaka ngaphambi kokuba ufikelelo lwenu luqalise ukusebenza, kungekhona i-FPL yonyaka oza kusebenza ngawo . Ngokomzekelo, ukuba ufuna isicelo se-inshurensi yezempilo ye-2018, uya kusebenzisa izikhokelo ze-2017. Oku kungenxa yokuba ukubhaliswa okuvulekileyo kwe-inshorensi ye-inshorensi ye-2018 iyenzeka ekwindla ka-2017 phambi kwezikhokelo zokushicilelwa ngo-2018. Ulungelelwano lweMedicaid kunye ne-CHIP iqalise ukusebenzisa ii-FPL iinombolo ngokutsha xa zishicilelwe. Kodwa ukugcina uhambelana nokuxhaswa kwe-premium kunye nenkxaso-mali yokwabelana ngeendleko, izikhokelo ezintsha aziqalisi ukusebenzisa kuze kube yilapho, ngexesha lokubhalisa okuvulekileyo kunyaka ozayo.
- Kukho zonke iintlobo zeengcaciso zengeniso: ingeniso engaphezulu, inzuzo engenayo, njl njl. Inkxaso-mali ye-inshorensi ye-Care Act engabonakaliyo . I-ACA inokubala kwayo i-MAGI, iququzelelwe apha (kwiphepha 30378, ikholam yokuqala) , isishwankathelo apha .
- Ekubeni inkxaso-mali ye-inshorensi yempilo isekelwe kwipesenti ye-FPL, kuya kufuneka usebenzise ezinye izibalo ezisisiseko ukutshintsha isikhokelo sobukhulu bentsapho yakho into enokuyisebenzisa (intsapho ye-USA ityati ilapha apha ngokwenza uqikelelo olunzima) . Nazi imimiselo emibini:
- Inkxaso-mali ye-inshorensi yempilo yerhafu ye-premium iyatholakala kubantu abangenzi ngaphezu kwama-400% we-FPL. Ukuba ungumfana oyedwa ohlala eMiami kwaye ufaka isicelo se-inshurensi ye-2018 ye-inshorensi yempilo ekwindla ka-2017, i-FPL yakho i-$ 12,060. Ukufumana ukuba yi-400% yeFPL, phinda isikhokelo ngu-4 . Umzekelo, i $ 12,060 x 4 = $ 48,240. Ukuba wenza imali engaphantsi kwee-48,240 zamaRandi, unakho ulungele urhulumente ukuba ancede ukuhlawula iindleko zenyanga ze-inshorensi zempilo (qaphela ukuba nangenzuzo engenayo kwinqanaba, awuyi kuba nelungelo lokufumana inkxaso-mali ukuba ixabiso le-non-subsidized of your coverage sele lijongene nexabiso elifanelekileyo; Nantsi enye indlela oku kusebenza ngayo).
- Inkxaso -mali yokwabelana ngeendleko zokuncedisa ukunciphisa imali echithwayo , i- copay kunye ne-coinsurance iyatholakala kubantu abangaphantsi kwe-250% ye-FPL. Ukuba unentsapho yesine ehlala eHawaii kwaye ufaka isicelo se-inshurensi ye-2018 ye-inshorensi, i-FPL yakho ukusuka ku-2017 itafile yaseHawaii yi-$ 28,290. Ukufumana ukuba yiyiphi i-250% yeFPL, phinda isikhokelo ngu-2.5 . Ngokomzekelo, i-$ 28,290 x 2.5 = $ 70,725. Ukuba intsapho yakho eguqulwe ingeniso engaphezulu kwamaRandi angama-70,725, unokufumana inkxaso-mali yokwabelana ngeendleko ngaphezu kwenkxaso-mali yerhafu ye-premium (gcina ingqalelo ukuba kufuneka uthenge isicwangciso sesilivere ukusebenzisa i-subsidy-sharing subsidy , nangona unako ukusebenzisa i-premium subsidy kunoma yiphina isicwangciso sezinga lesinyithi).
> Imithombo:
> I-Federal Register / Vol. 77, uNombolo 100 / > iMigaqo neMimiselo. Meyi 23, 2012.
> MACPAC. I-Medicaid kunye ne-CHIP kwiiNgingqi. Meyi 2017.
> IYunivesithi yaseCalifornia Berkeley Labor Centre. Ulungiso olulungisiweyo Uhlawulelo oluNinzi ngaphantsi koMthetho wokuNakekelwa ongenakuncedo. Julayi 2014.