Umgangatho osisiseko esibalulekileyo: I-ACA Isiganeko esivame ukudibanisa
Usenokuba ulivile ixesha eliphantsi lokubaluleka, kwaye uyazi ukuba livela kuMthetho woNonophelo ongenakuncedo (ACA). Kodwa ukuba unjengabantu abaninzi, unokuba uzibuza ukuba ihluke njani kwezinye iimeko eziqhelekileyo, njenge "ACA-coverage" kunye ne "value minimal". Ngoko makhe sifake oko kuthetha ukuthatha ubuncinci benkcazo ebalulekileyo, kwaye kutheni kubalulekile.
Uthini "Umlinganiselo Owona Msebenzi Oyingundoqo"?
Inkcazelo engundoqo ebalulekileyo ichazwa nje njengento ebonakalayo eyamkelekileyo yokufezekisa ukubonelelwa komntu ngamnye we-ACA-ke, igunya lomntu ngamnye. Ngamanye amagama, ngokungakhathaliseki ukuba unobuncinci obuncinci obukhuselekileyo kwindawo, awukho phantsi kwesigwebo segunya le-ACA somntu ngamnye (nangona ungenayo ubuncinci benkcazo ebalulekileyo, awuyi kuba phantsi kwesigwebo xa ufanelekile ukuxolelwa , kodwa oko akufani nokufumana ubuncinci obuncinane).
Kubalulekile ukuqonda ukuba i-coverage ayimfuneko ukuba ibe yi-ACA-iyathotyelwa ukwenzela ukuba ithathelwe ingqalelo njengobuncinci bokunika ingxelo.
Yiyiphi Inqaku loMgangatho oPhambili?
Kukho izicwangciso ezahlukeneyo ezinokubaluleka kokubaluleka okubalulekileyo, kwaye ngoko ke kwanelisa umyalelo ngamnye we-ACA. Ukuba unolunye lweentlobo ze-inshurensi, uqwalaselwa kwaye awuyi kuthotyelwa isohlwayo sentela yokungaqiniseki:
- Ubungqina obubonelelwe ngumqeshi, kubandakanywa ukukhutshwa kwe-COBRA kunye nezicwangciso zempilo
- Ubungakanani obufumene ngotshintsho lwe- ACA kwimeko yakho
- Inkqubo phantsi kwe-ACA Programme yezoMpilo eziSiseko (kuphela iMigine neNew York zinamalungiselelo anjalo)
- Inkcazo ehambelanayo ye-ACA oyifumene ngaphandle kokutshintshiselana (ngokuthe ngqo kwi-insurer, okanye nge-arhente okanye umthengisi)
- Izicwangciso zezempilo (izicwangciso zenzeke emva kokuba i-ACA isayinwe kumthetho ngoMashi 2010, kodwa ngaphambi kokuba inqwaba yezinyathelo ze-ACA zenzeke ngo-2014). Ezi zicwangciso azihambisani ngokupheleleyo ne-ACA, kodwa ziye zavunyelwa ukuba zihlale kwindawo ezininzi.
- Izicwangciso zezempilo ezinokuzala (izicwangciso sele zisasebenza xa i-ACA isayinwe kumthetho ngo-Matshi 2010 kwaye ayizange ishintshwe ngokususela ngaloo ndlela). Ezi zicwangciso azihambisani ngokupheleleyo ne-ACA, kodwa ziyavunyelwa ukuba zihlale zihlala ngonaphakade, kuzo zonke iindawo.
- Intsholongwane yempilo yomshuwalense eye yavunywa njengobuncinci benkcazo ebalulekileyo
- I-Medicare Ingxenye A okanye i- Medicare Benevantage (unokuba ne- Medicare Part B , i- Medicare Part D , okanye isicwangciso seMedigap , kodwa ezo ayizona ziqendu ezibhekwa njengeyona nto incinci yokunika ingxelo)
- Inkqubo ye-inshurensi yezempilo ye-Children (CHIP)
- Uninzi lweMediicaid
- I-TRICARE (umkhosi), ukukhutshwa koNcedo lwezeMpilo kwi-Fund, kunye noLawulo oluPhezulu lweeVeterans (VA).
- Uncedo lwezonyango lwabaPhepheli
- I-State cover-risk coverage (kwiindawo ezisebenza ngamachibi aphezulu)
Ezinye iintlobo zobuncinci obufunekayo obuncinci zihambelanayo ne-ACA, kubandakanywa izicwangciso ezixhaswe ngumqeshi (nangona imithetho ye-ACA ihlukileyo kwiiplani ezinkulu kunye nezincinci zeqela), kunye nezicwangciso zeemarike ezithe zaqala ukusebenza ngoJanuwari 2014 okanye kamva.
Kodwa ezinye iintlobo zobuncinci obufunekayo obuncinane abuhambisani ne-ACA, okanye azilawulwa ngamandla yi-ACA. Oku kubandakanya izicwangciso ezinkulu kunye nezikhulu, amaziko aphezulu kakhulu, kunye ne-Medicare kunye neMedicaid (kukho imigaqo ethile yeAACA esetyenziswa kwezinye zeentlobo zokubhengezwa, kodwa kungekudala ukuba izicwangciso zeqela kunye namancinci zilawulwa).
Ngoko into yokuba isicwangciso sakho asihambelani nezikhokelo zokuthotyelwa kwe-ACA, okanye i-pre-dates ACA, ayithethi ukuba akuyona mincinci ebhengeziweyo. Ukuba ungathandabuzeki, jonga umlawuli wakho wecebo ukuze uqinisekise ngokuqinisekileyo.
Yintoni engabalulekanga njengomlinganiselo osisiseko esibalulekileyo?
Ngokuqhelekileyo, ukufihla okungaqhelekanga kungabonwa njengeyona nto incinci. Ngoko izicwangciso eziye zenzelwe ukuncedisa ezinye iifowuni, okanye ukubonelela ngezibonelelo ezincinci kuphela, azibheki njengeyona mincinci ebhengeziweyo. Ukuba uthembela kwesinye sezicwangciso njengendlela yokubhengezwa kwedwa, uya kuthotyelwa kwisigwebo somntu ngamnye se-ACA ngaphandle kokuba uxolelwe.
Imizekelo yezicwangciso ezingabalulekanga kubandakanya:
- Nantoni na into ebonwa ngokuba yi-"benefit benefit" phantsi kwe-ACA, oko kuthetha ukuba ayilawulwa ngumthetho wokuguqulwa kwezempilo. Oku kubandakanya ukuhlaziywa kwamazinyo kunye nokubonwa kombono, izicwangciso zokuhlawula izibonelelo, ukuxhaswa kweengozi, izicwangciso zokugula eziphambili, ukukhutshwa kwabasebenzi, njl. Ngokubanzi, iintlobo ezingenanto azizange zenziwe ukuba zibe ngumthombo wodwa womntu- kufuneka ukuba yongeze isicwangciso se-inshorensi yempilo.
- Iiprogram ze-inshorensi yeempilo zangexesha elifutshane , kubandakanywa nokukhawuleza kwexesha elifutshane elinikezwa ngamavavolontiya aXhobileyo eNox Corps.
- Izibonelelo ezincinci ezicwangcisiweyo ze-Medicaid (i-coverage isingqamane nokucwangciswa kwentsapho kuphela, okanye ukukhathalela kuphela ukukhulelwa, okanye ukunyamekela kuphela, njl njl). Unokukhetha ukarhulumente wakho kweli phepha kwaye liza kukubonisa ukuba i-Medicaid coverage ibalwa ngobuncinane bokubhengezwa, kwaye oko akunjalo.
- Ukwaziswa kwe-AmeriCorps (le nkqubo inethemba lokuba ekugqibeleni kuphuculwe ukukhawulelwa kwayo ukwenzela ukuba kunokubanjelwa ingqalelo ebalulekileyo ubuncinci)
Ngaba ixabiso elincinci lithetha iCandelo elifanayo njengeNgcaciso engundoqo?
Ixabiso elincinci kunye neyona mincinci yokukhutshwa kokubalulekayo yimiqathango mibini eyaziswa nge-ACA. Kwaye nangona zivakala ezifanayo, zineentsingiselo ezahlukeneyo.
Njengoko kuchazwe ngasentla, ubuncinci obuncinane bokubhengezwa ngumbandela ofezekisa isigunyaziso somntu ngamnye we-ACA. Ixabiso elincinci, nangona kunjalo, linxulumene nomyalelo womqeshi womthetho.
Ngaphantsi kwe-ACA, abaqeshi abane-50 okanye abangaphezu kwexesha elipheleleyo labasebenzi abalinganayo kufuneka banikeze i-inshurensi yempilo ngexesha labo elipheleleyo (ii-30 + iiyure ngeveki) abasebenzi. Ukuthobela isigunyaziso somqeshi kunye nokuphepha ukuhlawulwa kweentlawulo zentlawulo, kukho imigaqo emibini engundoqo esebenzayo ngokwemiqathango yoqobo:
- Iiproyamu kufuneka zifikeleleke (oko kuthetha ukuba iindleko zomqeshwa zingekho ngaphezulu kwe-9.56 pesenti yengeniso yekhaya ngo-2018, ngenxa yokufumana umsebenzi ).
- I-coverage kufuneka inikezele ngexabiso elincinci , oko kuthetha ukuba liya kubandakanya ubuncinane ama-60 ekhulwini kwiindleko zonyango kubantu abaphakathi, kwaye banikezele ngokukhawuleza "ukufumana" inkonzo yezigulane kunye nezigulane.
Abaqeshi banikela ngezicwangciso ezibonelela ngexabiso elincinci, zombini kuba izicwangciso ezixhaswe ngumqashi ziye zamehlo ezintle, kwaye kuba abaqeshi bafuna ukuphepha isigwebo somqeshi. Inkcazo exhaswe ngumqeshi ikwaqwalaselwa kwakhona njengobuncinci bokufikelela, kodwa kuyacaca ukuba le mibini ibini inentsingiselo eyahlukileyo.
> Imithombo:
> Amasebe e-Medicare kunye neMedicaid Servies. Iziko loLwazi loThengi kunye noLawulo lweNtshuwalense. I-Minimum Mineral Effential Applicants Receiving Approval , Oktobha 12, 2017.
> Amasebe e-Medicare neeNkonzo zeMedicaid. Iziko loLwazi loThengi kunye noLawulo lweNtshuwalense. Iimfuno zoLuntu oluPhambili.
> HealthCare.gov. Funda uMthetho woNonophelo olungabonakaliyo (Umbhalo opheleleyo weNgcaciso yoNonophelo ongenakuncedo kunye noMthetho wokuXhumanisa).
> INkonzo yeNgeniso yangaphakathi. Uxanduva lwabiwo lwabiwo lwabiwo-Umyinge oMgangatho obalulekileyo.
> INkonzo yeNgeniso yangaphakathi. Inkqubo yeNgeniso 2017-36 .