Abanye abantu ngoku banesithuba seenyanga ezi-3 zobabalo bee-premium zangaphambili
Ngaphambi koMthetho woNonophelo olungabonakaliyo (ACA), amazwe akhululekile ukubeka imimiselo yawo ngokwemiqathango yomsindo wentsapho ye-premium yomshuwalense, kunye neentsuku ezingama-30 ziba lixesha eliqhelekileyo lobabalo. Le mi miselo yombuso isendaweni, kodwa ngoku isebenza kuphela kubantu abangafumani inkxaso-mali ye-premium ngokutshintshiselana .
Ekupheleni kobhaliso oluvulekileyo lwango-2016, bekukho abantu abayizigidi ezili-10,6 abafumana inkxaso-mali ye-premium ukuze bahlawule iindleko zokuthengwa ezithengiweyo ngokuthengisana.
Kule miba, kukho ithuba lokubambela intlawulo yee-premium zenyanga ezintathu, nje kuphela xa behlawula i-premium yabo ngexesha-nangoko ( apha i-ACA itekisi yeli lungiselelo ).
Ixesha lobabalo lisebenza njani
Ukuba awufumani isibonelelo se-premium (oko kukuthi, unesicwangciso sezempilo othenge ngaphandle kokutshintshiselana, okanye uthenge isicwangciso sokutshintshisana kodwa uhlawula intlawulo epheleleyo kuyo), ixesha lakho lobabalo lilawulwa yimimiselo yelizwe, kwaye ziya kubhala kwiprogram ye-inshorensi yempilo yakho. Ixesha eli-30 lobabalo oluqhelekileyo lusetyenziswa kakhulu kule meko, oko kuthetha ukuba ukuba i-premium yakho yoMeyi ifuneka ngomhla kaMeyi-1, uya kuba nelokugqibela ekupheleni kukaMeyi ukuhlawula i-premium yakho. Ukuba awukuthi, i-coverage yakho iya kugqitywa ngokukhawuleza ngo-Apreli 30 (ekubeni uhlawule ngo-Ephreli, kodwa kungekhona ngoMeyi).
Kodwa ukuba ufumana inkxaso-mali ye-premium, unesihlandlo sesithandathu somsindo (inqaku lokuba inkxaso isithunyelwa ngqo kwinkampani yinshurensi, kunokuba wena).
Akukho xesha lobabalo lwe-premium ye-premium - kufuneka lihlawulwe ngumhla wokugqibela ukwenzela ukuba kusebenze umgaqo-nkqubo. Kodwa ekucingeni ukuba uhlawule inyanga yokuqala, iintlawulo zee-premium ezilandelayo zifanelekile kwiinyanga ezintathu zesisa.
Ngoko ukuba awuyi kuhlawula i-premium yakho ye-Juni, ixesha lakho lobabalo luya kuba ngoJuni, ngoJulayi, no-Agasti.
Ukutshintshisana kuya kuqhubeka ukuthumela inkxaso yakho ye-premium kwiinkampani zomshuwalense wezempilo kulezo zinyanga ezintathu; isabelo sakho seprayimesi siza kuba yinxalenye eyadlulayo.
Ukuba ufumana ama-premium akho ahlawulwe ngokuphela kuka-Agasti, ukukhutshwa kwakho kuya kuqhubeka ngaphandle kwekhefu. Kodwa ukuba awunayo, i-coverage yakho iya kugqitywa ngokukhawuleza, kodwa yabuyela kuphela ekupheleni kukaJuni, nangona awuzange uyihlawule i-premium ye-Juni.
Naziphi na izimangalo oye wazenza ngoJuni ziza kuhlawulwa yinkampani ye-inshurensi yezempilo, nangona kungabikho ukuhlawulwa kwamabango oye waba nayo ngoJulayi okanye ngo-Agasti ukuba i-coverage yakho iphelile ekupheliswa kwayo ekupheleni kukaJuni (banako ukuguqula amabango angena ngexesha leyesibini nelesithathu lenkathi yobabalo, kwaye ulinde ukuba ubone ukuba uya kubanjwa kwii-premiums zakho ngaphambi kokuba akhokhe amabango).
Kule meko-apho ukukhutshwa kwakho kukhishwe khona ngenxa yokungahlawulwanga kweprayimari ekupheleni kwenyanga yesithando-nyanga - kuya kufuneka uhlawule inkxaso-mali ye-premium ehlawulwe egameni lakho ngoJuni. Oku kuya kuthathwa xa ufaka i- tax return yakho kwaye uxolelanise inkxaso yakho ye-premium ne-IRS .
Kutheni kukho iinyanga ezi-3 zomusa?
Xa i-ACA ibhaliwe, abagwebi baqonda ukuba abanye abantu baya kuba neengxaki zokuhlawula iiprayimari zabo, nangona uncedo lwe-premium inkxaso.
Inkxaso-mali ye-Premium iyafumaneka kubafakizicelo abanemali engenayo njengephantsi kobuhlwempu (138% kwinqanaba lehlwempu kwiindawo ezingama-30 kunye ne-DC apho i-Medicaid isandisiwe). Ngoko intsapho yezine kunye ne-$ 35,000 engenayo iya kufumana inkxaso-mali ye-premium, kodwa iya kuba nexanduva lokuhlawula malunga neyesithathu okanye ezine ipesenti yengeniso yabo kwisicwangciso sokutshekisha kwindawo yabo.
Ingxaki kukuba abantu abanemivuzo encinane banokuzabalazela ukuza kunye nesabelo sabo seprayim. Kwaye phantsi kwezikhokelo zorhulumente eziqhelekileyo, i-coverage yabo iya kukhanselwa ngokukhawuleza xa i-premium yabo inyanga inyanga.
Oku kuhlanganiswe kukuba i-ACA ivumela kuphela abantu ukuba babhalise ngexesha lokubhalisa kwonyaka , okanye ukuba banesiganeko esifanelekileyo . Ukulahlekelwa kwenkcazo yeso siganeko esifanelekayo, kodwa kungekhona ukuba kwenzeka ngenxa yokungabikho kwentlawulo yee-premium. Ngoko abantu abanokuqhawuliswa kwazo ngenxa yokungahlawulwanga kweeprayimari ngokubanzi kufuneka balinde de kube lixesha elilandelayo lokubhalisa elivulekileyo lokubhalisa kwi-coverage. Ixesha lesithandathu somusa linika ithuba elincinci kunye nokukhusela kunokuba bekunjalo.
Oku kunceda ukujongana nenyaniso yokuba abanye abantu baneemali eziye zaguquka kakhulu, kunye neyokuba ingeniso isenokuba yinto engathandabuzekiyo ekupheleni kwe-spectrum. Ababhalisi abanomvuzo wabo wehla kwi-Medicaid yokulungelelaniswa kwinqanaba baya kukwazi ukunxibelelana nokutshintshiselwa kwaye batshintshe kwiMedicaid ngelo xesha (becinga ukuba bakwimimandla eyamkele inkxaso yemali yokwandisa iMedicaid phantsi kwe-ACA). Kodwa ababhalisile abahlala kwinqanaba elifanelekileyo elixhasayo banayo ifowuni yeenyanga ezintathu ukuba babanjwe nxalenye yabo yeeprayimari ukuba kwenzeka ntoni emva kwexesha elithile kunyaka.