Inkcazo
Intsholongwane yempilo yomshuwalense, okunye eyaziwa njenge-inshurensi yempilo ye-Marketplace, isilinganisi-indawo yokuthenga yinshuwalense yezempilo . Iinkampani ze-inshorensi zempilo yabucala zihlomela izicwangciso zabo zempilo ngokutshintshiselana, kwaye abantu baqhathanisa ivenkile ngokutshintshiselana phakathi kwezicwangciso zezempilo ezikhoyo.
Intsholongwane ye-inshorensi yempilo ngokuqhelekileyo ibhekisela kwiintengiso zentengiso karhulumente eyenziwa nguRhulumente ngenxa ye- Care Affordable Act , nakuba i-inshurensi yempilo yomshuwalense yabucala ikhona.
I-inshurensi yempilo yonyango yabucala ijwayele ukulungiselela abaqeshi abaninzi abakhulu, ngoko ke abantu abaninzi baya kuhlangana nabo xa betyikitya kwi-inshorensi yezempilo-based based. Eli nqaku ligxile kwi-ACA ye-inshurensi yezempilo yoshishino.
Intengiso ye-inshurensi yempilo yasesidlangalaleni isetyenziselwa ukuthenga izicwangciso ze-inshorensi zempilo zentsapho kunye neentsapho ezibizwa ngokuba yi- Obamacare . Izicwangciso zeqela elincinci nazo ziyafumaneka kwiintlobo zoluntu, nangona ubuncinane bonke abhaliso bebhengezwa ngabanye bemarike.
Nangona igama elithi Marketplace lifaka umfanekiso wengqondo yendawo ebonakalayo apho abathengi bezulazula besuka kwi-stall ukuya kwindawo yokuhlola ukujonga izinto zabathengisi, abaninzi abantu banokufikelela kwimicimbi ye-inshurensi yempilo nge-intanethi. Inkampani enkulu ye-inshurensi yempilo yonyango, i-HealthCare.gov, ilawulwa ngu-federal government, isebenza ngabathengisi be-inshorensi yempilo kumazwe angama-39. Ezinye i-11 zichaza kwaye iSithili sase-Columbia ngasinye siqhuba iintetho zabo.
Zingaphi Abantu Abaye Baqhawula Nge-ACA's Exchanges?
NgoDisemba 23, 2017, ukubhaliswa ngo-2018 ngokubanjiswa kwemeko bemi kuma-11.5 yezigidi zabantu. Ngaloo nto ubhaliso oluvulekileyo lwaluphelile kumazwe amaninzi, kodwa amaninzi e-exchange-run exchange exchanges awandise ukubhaliswa okuvulekileyo ngoJanuwari , ngoko ke amanani ayengagqibekanga.
Ngomhla ka-Matshi 2017, okwenziwe ukubhaliswa kwintsebenziswano yabemi abantu abayizigidi ezili-10.3 . Ubhaliso oluqhubekileyo luhlala luphantsi kunani labantu abhalisa ngexesha lokubhalisa okuvulekileyo, njengoko kukho njalo abanye abantu abangayihlawuli iiprayimari zabo zokuqala okanye abakhuphe ukukhutshwa kwabo emva nje kokubhalisa.
Amashishini amancinci angabhalisa kwizicwangciso ngokudityanelana, kodwa kunabantu abangaphantsi kwama-200,000 ababhalise kwiiplani zorhwebo zincinci kwilizwe lonke-ininzi ye-ACA yokutshintshiselana kwamashishini inokuthengiswa kwiimarike.
Indlela yokuTshintshiselana kweNtshumo yoMshuwalense yeMpilo
Ukutshintshiselwa kwenzelwe ukwandisa ukhuphiswano kunye nokunciphisa ukuthengisa. Iinkampani zomshuwalense zikhuphisana nebhishini lakho usebenzisa iMakethe. Olu khuphiswano oluchanekileyo lusetyenziselwa ukugcina iindleko zee- premium zezempilo. Iimarike zentengiso ziyanceda ukuthelekisa izicwangciso ngokusebenzisa "iipulo kwiipula" indlela:
- Zonke iinshurensi zempilo zonikezelo ngokunikezelwa kwee-exchange zinika ixabiso elincinci lempilo ebalulekileyo.
- Yonke imigaqo-nkqubo ye-inshorensi yempilo enikezelwayo kufuneka ihambelane nenye yezinto ezixhamlayo ezine: ubhedu, isilivere, igolide kunye neplatinum .
- Izicwangciso eziqhelekileyo ziyafumaneka kwiintlobo ezininzi kwilizwe. Kwintsebenziswano yaseCalifornia, sonke isi cwangciso sinobuchule.
Inzuzo yomgaqo-nkqubo ichaza ipesenteji yeendleko zonyango lwezempilo ezicetywayo, icebo liza kuhlawula, ngokunye okubizwa ngokuba yi- actuarial value (AV) yesicwangciso. Unokufunda okungakumbi malunga nendlela abaxhamla ngayo abasebenzisanayo, " Ibhontshi, iSiliva, iGold, nePlatinum-Ukuqonda inkqubo yoTywala ."
Ukutshintshiselana kunika inkxaso ngoncedo lokuhlawula i-inshurensi yezempilo. Intshumo ye-inshurensi yezempilo yindlela yokufikelela kuphela yenkxaso-mali karhulumente ( iikhredithi zerhafu ye-premium ) eyenza i-inshurensi yezempilo ifikeleleke kakhulu kumaMerika ngemali ethobekileyo. Unokufaka isicelo senkxaso-mali ye-inshurensi yempilo ngokusebenzisa i-inshurensi yempilo yomshuwalense, kwaye inkxaso-mali ilungile kuphela kwinshuwalense yezempilo ethengwe kwi-inshurensi yezempilo.
Funda kabanzi malunga nenkxaso-mali ye-inshurensi yezempilo, " Ngaba Ndingayifumana Uncedo Lokuhlawula I-Intshurensi yezeMpilo? "
Ukongeza kwenkxaso-mali ye-premium, inkxaso -mali yokwabelana ngeendleko (eyaziwa nangokunciphisa iindleko ) nazo zifumaneka kuphela ngokutshintshiselana. Ukuba ingeniso yakho yenza ukuba ufumane inkxaso-mali yokwabelana ngeendleko kunye / okanye inkxaso-mali ye-premium, uya kufuna ukubhalisa ngeengxoxo (ngokuchasene nokubhalisa ngqo kwinkampani yenkampani yinshuwalense) ukwenzela ukuba usebenzise uncedo olukhoyo.
Utshintshiselwano lukhupha izatifikethi zokuxolelwa. Nangona ungafuni ukuthenga i-inshorensi yempilo, unokugqibela ukudibanisa ne-inshurensi yakho yempilo ukususela ekubeni ezinye izatifikethi zokukhutshwa kwe-inshorensi zempilo zikhutshwa kuphela nge-inshurensi yezempilo (ezinye zikhutshwa yi-IRS endaweni yoko). Ukuba awunayo i-inshorensi yempilo, kodwa ufuna ukuphepha isohlwayo sentela yokungaqiniseki, uya kufuna isitifiketi sokuxolelwa . Fumana ukuba ufanelekile ukuxolelwa kwigunya lokuthenga i-inshorensi yempilo " Ngaba Ndingayifumana Imali Yomshuwalense Wezempilo? "
Ukufumana ukuTshintshiselwa kweeNtsholongwane zeMpilo
Urhulumente wakho unokusebenzisa utshintshelo lwe-inshurensi yezempilo njengolu hlobo lwaseCalifornia, Covered California. Okanye, urhulumente wakho unokukhetha ukuba angenzi ukutshintshwa kwe-inshorensi yempilo, okanye ukudala utshintshiselwano kodwa sebenzisa iqonga lokubhalisa. Kwimeko enjalo, abahlali basebenzisane nokutshintshiselwa kwekarhulumente kwi-HealthCare.gov. Fumana indlela yokuqhagamshelana ne-inshurensi yempilo kwimeko yakho, nokuba ngaba abahlali baseburhulumenteni basebenzisane nokutshintshiselwa kwekarhulumente.
Ubhaliso kwintsebenziswano (nangaphandle kwintsebenziswano, kumntu ngamnye wemalikezelo) ithengelwe kwiifestile zokubhalisa ezivulekileyo zonyaka kunye nezikhathi zokubhalisa ezizodwa ezibangelwa ziziganeko ezifanelekileyo. Ubhaliso oluvulekileyo lwe-2019 luya kuba ngoNovemba 1, 2018 kuwo wonke urhulumente.
> Imithombo:
> Amasebe e-Medicare neeNkonzo zeMedicaid. 2017 I-Snapshot ebhalisiweyo . Juni 12, 2017.
> INkonzo yeNgeniso yangaphakathi. Ukunikezelwa kweMfanelo ngabanye ngabanye - Ukuxolelwa: Ukumangalelwa okanye ukubika. 2017.