UMthetho woNonophelo ojongene noNyaka ongenakunqwenela ukwandisa uMgangatho woThengiselo ukuya ku-Age
UMongameli uBosayina wasayina uMthetho wokuNakekelwa ongenakuncedo kuMatshi ngo-2010. Ininzi yamalungiselelo ayo aphululwa kude kube ngu-2014, kodwa ezinye iinxalenye zomthetho zaqala ukusebenza emva kweenyanga ezimbalwa emva kokuba umthetho wenziwe.
Ngokukhawuleza ukuba i-ACA isayinwe kumthetho, iSebe lezeMpilo kunye neNkonzo zoLuntu (HHS), yaqala ukupapasha imimiselo yokuphumeza amalungiselelo emthethweni ngokuhambisana nexesha elifunekayo.
Omnye wamalungiselelo abalulekileyo kwimithetho yokuphucula impilo eyenziwe ngo-2010 yayisisongezo soqwelo oluxhomekeke kuncike ekuqinisekiseni ukuba bonke abantu abaselula banomshuwalense wezempilo. Nangona eli lungiselelo lucwangciselwe ukuqala ngoSeptemba 23, 2010, uNobhala weHHS, uKathleen Sebelius, ufumene ukuzibophezela kwiinkampani ezinkulu ze-inshorensi yezempilo ukuqala ukuphunyezwa koxhomekeke kumxhasi ngoMeyi 2010. Oku kwavumela abafundi abaninzi abaphumelele kwiikholeji ngasekupheleni kwentwasahlobo ukuphepha isithuba kwi-coverage.
Kutheni Kwakudingeka Ukuba Umlinganiselo Wokuxhomekeka?
Ngaphambi kokungena kwinqanaba le-Care Affordable Act, iinkampani ezininzi ze-inshorensi ziye zalahla abantu abadala abadala kwizicwangciso zabo zempilo kubazali ngenxa yobudala babo kunye / okanye ukuba umntu omdala osemdala akasagqibekanga inkcazo ye-IRS-ngokuqhelekileyo xa nje umntwana Umntu omdala wayengasomfundi wexesha elizeleyo. Oku kwashiya abaninzi abaphumelele kwiikholeji kunye nabanye abadala abasenayo inshorensi yezempilo.
Kwaye, ngokweengxelo echazwe ngu-Obama Administration:
- I-AC-PreA, abadala abaselula babenanqanaba eliphezulu le-uninsured of any group group. Phantse i-30% yabaselula abadala abazange baqinisekiswe-izinga eliphezulu kuneliphi elinye iqela leminyaka.
- Abantu abadala abaselula banenani eliphantsi lokufikelela kwi-inshorensi-based based. Ngenxa yokuba abadala abaselula banomsebenzi kwimarike yomsebenzi, kaninzi babe "imisebenzi yokungena kwi-level, imisebenzi yesikhewu, okanye imisebenzi kumashishini amancinci awanakho ukubonelela ngomshuwalense wezempilo." Oku kuyaqhubeka kwimeko emininzi kwiminyaka kamva, kodwa ukufikelela kwi-inshorensi yempilo yabantwana incede ekugqithiseni i-gap.
- Impilo yabantu abadala kunye nemali yabaselula yayisengozini. Nangona abaninzi abantu abadala (kunye nabanye) bengacingi ukuba bafuna i-inshorensi yezempilo, ba, ukucaphula uNobhala uSebelus, "inyathelo elilodwa ngaphandle kwengozi okanye inhlekelele." Enyanisweni, omnye umntu omdala onesithandathu unesifo esingapheliyo umhlaza, isifo sikashukela okanye i-asthma kwaye phambi kwe-ACA, phantse isiqingatha sabaselula abaswelekanga babika ukuba kunzima ukuhlawula iibhilidi zabo zonyango phambi kwe-ACA.
Ukuguqulwa kwezeMpilo kunceda njani abantu abadala?
Umthetho woNonophelo ongenakunqwenelekayo ufuna izicwangciso zempilo ezinikezela ngezobantwana kubantwana abaxhomekeke kwisicwangciso sobazali babo ukuba bafumane loo ngxelo kuze kube yilapho umntwana omdala efikelela kwiminyaka engama-26, kungakhathaliseki ukuba umntu omdala osekudala unyanzeliswa ukuba uxhomekeke kwiinjongo zerhafu.
Ngomhla we-Meyi 10, 2010, amaSebe eMpilo kunye neeNkonzo zoLuntu, uMsebenzi kunye noNondyebo (i-IRS) bakhupha imimiselo efunekayo yokuphumeza ukwandiswa kweencwadi ezixhomekeke kuzo kuxhomekeke kwi-26 ubudala.
Ubungakanani obongezelelweyo kubantwana abangaphezulu kwabantwana abadala
Izicwangciso zezempilo ezibonelela ngeenkonzo ezixhomekeke kumxhelo kufuneka zinike i-inshurensi yezempilo kubhalisa abantwana abadala kuze kube yiminyaka eyi-26, nokuba ngaba abantwana abadala abakusayi kuhlala nabazali babo, abaxhomekeke ekubuyiselweni kwerhafu yabo yomzali, okanye ababafundi.
Lo mgaqo usebenza kubantwana abatshatileyo nabatshatileyo, nangona babo abatshatileyo nabantwana abafanelanga ukufumana ingxelo. Kwaye kusebenza nakwiimarike zempilo yomshuwalense ngamnye kunye neqela: Akunandaba ukuba abazali bafumana i-inshorensi yezempilo ngokusebenzisa umqeshi okanye ukuzithengela ngokwabo, abantwana babo abaselula abakwazi ukucetywa kwisicwangciso njengaxa isicwangciso inikezela ukuhanjiswa kunoma yimuphi umntwana oxhomekeke kuye.
Bonke abaNcinci abakwi-Young Adult babenenqanaba elilodwa lokuBhalisa okuKhethekileyo
Imfuno yokuba abadala abasemthethweni bavunyelwe ukuba bahlale kwizicwangciso zabazali babo ukuya kutsho iminyaka eyi-26 esetyenziswe kwisicwangciso / umgaqo-nkqubo kwiminyaka ukususela okanye emva kweSeptemba 23, 2010.
Abaninzi batshorensi baqalisa ukubonelelwa kwangaphambili, kodwa bonke babenokwenza oko ngokuvuselela kwabo okokuqala emva kweSeptemba 23, 2010.
Kwaye zonke izicwangciso kwakufuneka zizalise ixesha lokubhalisa elikhethekileyo-elide ubuncinane ezingama-30 iintsuku-ngexesha apho abantu abadala abasengabakho kwii-abazali zabo banikwa ithuba lokudibaniswa kwisicwangciso. Eli xesha lokubhalisa lalifumaneke kungakhathaliseki ukuba lihambelana nexesha lokubhalisa eliqhelekileyo lokuvulwa. Kwakufumaneka kubantu abadala abasecaleni bekhulile kwizicwangciso zabazali babo, kunye nabaselula abasenanto yokuba bafunyanwe kwisicwangciso sabazali babo ngezinye izizathu.
Ukususela ngoko, abantu abadala baye bakwazi ukuhlala kwizicwangciso zabo zabazali kude kube ngama-26 ubudala, kodwa baye bakwazi ukuphinda bajoyine izicwangciso zabo zabazali ngexesha lokubhala ngokuvakalayo lokuvulwa kwonyaka, okanye ngexesha lokubhalisa okhethekileyo elibangelwa isiganeko esifanelekileyo-eselula Abantu abadala abakwazi nje ukujoyina isicwangciso sezempilo somzali nanini na ukuba bathande.
EziNzuzo ezifanayo kwixabiso elifanayo
Izicwangciso ze-inshorensi yezempilo ezibonelela ngeenkonzo ezixhomekeke kuxhomekeke kuxhomekeke kumntu omdala ofanelekileyo afumana izibonelelo ezifanayo ezifumanekayo kubantu abanjalo abangazange balahlekelwe yimpilo ngenxa yokuba isimo sabo esisekelwe phantsi siphelile. Ukongezelela, isicwangciso sezempilo asikwazi ukuba umntu omdala ahlawule ngakumbi ukufumana inkxaso yempilo kunabanye abaxhomekeke kwiminyaka efanayo.
Kodwa kwiimarike zeqela kunye namancinci, i-ACA ibonisa ukulinganisa kweminyaka engaphezulu kweminyaka engama-21, ngoko ke umntu osemdala oneminyaka engaphezu kwe-21 uya kuba neendleko ezingaphezulu kwiiprayimari kunomntwana omncinci.
Izinzuzo Zentlawulo Ezintsha Zobungakanani Bokudala Abadala
Enye yezinye iinkonzo ezingabonakaliyo zomshuwalense wezempilo oxhaswe ngumqeshi kukuba ukubaluleka kobhengezo kungabandakanywa kwingeniso yomqeshwa. Ukuba i-inshorensi yakho yemali ibiza i-$ 15,000 ngonyaka (ihlawulwe yinxalenye yakho kwaye inxenye ngumqeshi wakho), awuhlawuli irhafu kwi-15,000 yee-$. Oku kuhambelani nabantu abathenga i-inshorensi yabo yempilo, abajongene nemithetho emininzi ekhohliweyo ngokwe-tax deductivity of their health insurance .
Ngaphantsi koMthetho woNonophelo ongenakuncedo, le nzuzo inyelwe kubantwana abadala abadala ukuya kuma-26 ubudala. Ukuba abasebenzi bakhetha ukugubungela abantwana babo abaselula ukuya kutsho kuma-26 ubudala, ixabiso le-inshorensi yempilo enikezelwa ngumqeshi kumntu omdala akhankanywe kumqeshwa ngeniso. Le nzuzo iyaqhubeka de kube sekupheleni komnyaka ohlawulwayo apho umntu omdala omdala ejika u-26 (abanye abaqeshi bakhetha ukuvumela abantwana abaselula abadala ukuba bahlale kwisicwangciso kuze kube sekupheleni konyaka apho baphendukela khona kuma-26, kunokuba bawaye kwisicwangciso njengoko ngokukhawuleza nje xa beya kuma-26).
- Inzuzo yerhafu yaqalisa ukusebenza ngoMatshi 30, 2010, okwenza ukuba ifumaneke ngokukhawuleza xa i-ACA yenziwe.
- Inzuzo yerhafu nayo isebenza kubantu abakufanelekele ukuxothwa kwe-inshorensi yezempilo ezizodwa . I-inshorensi yezempilo ayisoloko ichithwa yerhafu, kodwa abantu abaqeshwe ngabanye banokukrazula iiprayimari zabo ngaphandle kokuba bathathwe. Kwimeko enjalo, bavunyelwe ukuba bathathe iiprayimari kubantwana abaselula abadala abahlala kwisicwangciso sabo kude kube ngama-26 ubudala.
Isiphumo
6.1 izigidi zabantu abadala (abaneminyaka eli-19 ukuya kwe-25) baye bafumana inkxaso phantsi kwe-ACA ngasekuqaleni kuka-2016. Ngaphezulu kwesiqingatha sabo bafumana ukuxhamla ukususela ekutshintshisweni , inkxaso-mali ye-premium , kunye nokunyuswa kwamaMedicaid kwasebenza ngo-2014. Ngo-2010 no-2013, ngenxa yesibonelelo se-ACA esabavumela ukuba bahlale kwisicwangciso se-inshurensi yezempilo kuze kube se-26 ubudala.
Kwaye nangona ulawulo lweTrump kunye nabameli beRiphabhlikhi bayixoshe ukucinywa kwe-ACA, ukubonelela abantu abadala ukuba bahlale kwizicwangciso zezempilo zabazali bane-support bipartisan kwaye kungenzeka ukuba bahlale behamba phambili, kungakhathaliseki ukuba kukho naziphi iinguqu ezongezelelweyo kwi-ACA (njengangokuqala kwango-2018, utshintsho kuphela lomthetho luye lwachithwa igunya lomntu ngamnye, olusebenzayo ngo-2019; yonke i-ACA ihlala ingacacile).
> Imithombo:
> I-HealthCalCPA. Ukuqonda ukulinganiswa kweNkulumbuso phantsi koMthetho wokuNakekelwa ongenakuncedo. Disemba 1, 2015.
> CMS.gov. Iziko loLwazi loThengi kunye noLawulo lweNtshuwalense. ABANTU ABANTU ABANTU ABANTU ABANTU ABANYE NOMTHETHO OTHANDELAYO: Ukukhusela abantu abadala kunye nokuqeda imithwalo yemindeni kunye namashishini.
> HHS.gov. Abantu abayizigidi ezingama-20 baye bafumana inzuzo yomshuwalense wezempilo ngenxa yoMthetho woNonophelo olungabonakaliyo, uqikelelo olutsha lwemiboniso. Matshi 3, 2016.