I-Obamacare ichazwe

Kulula Kwanele Ukucacisa Kubantwana Bakho

Ngo-2010, uMongameli Obama kunye neCongress basayina i- Obamacare ibe ngumthetho. Ngoba? Bafuna ukuqinisekisa ukuba bonke abaseMelika babekwazi ukufumana i- inshorensi yezempilo . Kubaluleke ngakumbi, babefuna ukunciphisa iindleko zempilo yononophelo . Oku kuya kunciphisa iindleko ezikhulayo ze-Medicare kunye neMedicaid. Ezi zimbini iinkqubo zisongela ukuthatha lonke uhlahlo lwabiwo-mali .

Ukuya kugqirha okanye esibhedlele kuye kubiza kakhulu. Enyanisweni, iindleko zokunakekelwa kwempilo yiNombolo 1 yokubangela i-bankruptcy eMelika .

Ukutyelela kwelinye igumbi lokuxakeka kwindleko kubiza i-$ 1,265 ngokulinganayo. Inyawo eliphukile libiza malunga ne-16,000 zamaRandi, ngelixa unyango lomhlaza lunokubiza i-$ 30,000.

Abantu abane-inshorensi yezempilo akufanele bakhathazeke ngalezi ndleko kuba i-inshurensi yabo ihlawulela ininzi yabo. I-insured kuphela ihlawula umrhumo omncinci ngokutyelela nganye, ebizwa ngokuba yi-copayment. Uninzi lwabantu bathola i-inshorensi yempilo njengenzuzo kumqeshi wabo. Inkampani ivame ukuhlawula inxalenye yeendleko zenyanga, ezaziwa njenge-premium.

Yintoni eyenzekayo kubantu abanemisebenzi enganikezeli ngomshuwalense wezempilo kunye nabantu abangenamsebenzi? Abanye babo bahluphekile ngokwaneleyo ukufumana iMedicaid, ehlawulwa nguorhulumente karhulumente kunye nolawulo. Abo baneminyaka engama-65 bafumana i-Medicare. Bahlawula iipriyamu ezixhaswa nguRhulumente wephondo.

Yintoni eyenzekayo kubantu abenza imali eninzi kwiMedicaid kwaye bancinci kakhulu kwi-Medicare, kodwa baqeshwe okanye bafumani i-inshurensi kwimisebenzi yabo? Kufuneka bahlawule i-inshurensi yabo, kwaye kubiza kakhulu.

Ngaphambi kokuba u-Obamacare, abaninzi banokwenza ngaphandle kwalo baza bafumana amathuba. Abanye babenokugula okungapheliyo, okubizwa ngokuba " imeko esele ikhona ngaphambili ," kwaye iinkampani zomshuwalense zazingayi kubanikezela.

Kukho naziphi na izigidi ezingama-32 ukuya kwezi-50 zabantu abangenayo inshorensi yempilo. Ukuba kukho into eyenzekayo kwaye kwakufuneka baye esibhedlele, bahlala bengayikhokheli ibhilikhi.

Isibhedlele siyihlawulise kwisicwangciso seMedicaid esiphuthumayo. Oko kwenyusa indleko yononophelo lwempilo kubo bonke abantu.

Indlela ekuchaphazela ngayo

Isiqinisekiso soMonde kunye noNonophelo olungabonakaliyo woNyaka ka-2010 luyinkimbinkimbi kangangokuthi kwagqitywa ngaphezu kweminyaka emihlanu. Nantsi indlela ekuchaphazela ngayo intsapho yakho nabantu obaziyo. Qaphela kwakhona ukuba izinto zingatshintsha njani phantsi kwecebo likaTrump lokubeka endaweni ye-Obamacare .

Nabani na onokuqhathanisa izicwangciso zokutshintshiselana , ii-website ezilawulwa nguRhulumente okanye urhulumente wesigqeba. Ezi zintengiso zikwazisa abantu xa befanele ukufumana izikripthi zerhafu. I-Obamacare ihlawula ezininzi zeendleko zokusebenza ezi zintengiso.

Zonke izicwangciso ze-inshorensi zempilo mazibonelele ngeenzuzo eziyimfuneko zezempilo . Okukuphela kwezi zicwangciso eziye zavela ngoMatshi 23, 2010. "Babezalele."

Abantu abane-inshurensi yempilo - Nazi iindlela ezintandathu ezenziwe yi-Obamacare yenze i-inshorensi yempilo yakho yentsapho.

1. Abazali banokongeza abantwana babo abadala (ukuya kuma-26 ubudala) kwizicwangciso zabo.
2. Ukuba umntu uyagula, inkampani yomshuwalense ayikwazi ukuwayeka kwisicwangciso okanye ukunciphisa ingakanani inshwalense yakho intsapho.
3. Ukuba kukho umntu ogula ngokungapheliyo, inkampani entsha yomshuwalense ayikwazi ukukhanyela ingxelo.
4. Ukuphila kunye nokuhlolwa kokukhulelwa kukhululekile. Oku kuquka iikhowyenti.
5. Iinkampani zomshuwalense azikwazi ukuphakamisa iintlawulo ze-premium ngaphandle kokuvunywa koorhulumente karhulumente.

1. Ezinye iintsapho zafumana isheke kwikampani yomshuwalense. Kungenxa yokuba u-Obamacare uthi iinkampani kufuneka zichithe ubuncinane ama-80 eepesimenti ekunikezeni iinkonzo zonyango. Ukuba bachithe kwiintengiso okanye umvuzo olawulayo, kufuneka bahlawule umva ongaphezulu kumnini-nkqubo.

Abantu abaninzi abane-inshurensi yezempilo banoxhala lokuba iinkampani zabo ziya kukhansela izicwangciso zabo ezikhoyo. I-Ofisi yeBhajethi ye-Congressional yathi inokwenzeka ukuba i-3 million ukuya kwabasebenzi abayizigidi ezi-3. I-Urban Institute iqikelele ukuba ku-2.6 yezigidi zabantu baye balahlekelwa izicwangciso zabo.

Ngoba? Ezinye iinkampani zifumanisa ukuba zihlawulele ukuhlawula izigwebo kwaye zivumele abasebenzi babo ukuba bafumane i-inshurensi kwiintengiso. Uninzi iinkampani ziya kuqhubeka zinika inshuwalense yezempilo njengenzuzo ekutsaleni abasebenzi abalungileyo. Kubiza kakhulu kunokuba banikele umvuzo ophezulu.

Kungenxa yokuba inshorensi yezempilo ayihlawulwanga.

Abantu abangenayo i-Intshumo yeMpilo - Ukubhaliswa okuvulekileyo kwimicimbi yokunakekelwa kwempilo ngo-2018 kuya kuba ngoNovemba 2017 ukuya kuDisemba 15, 2017. Usenakho ukufumana i-inshorensi yesikhashana emva kokuba ixesha lokubhalisa liphela.

I-Obamacare idinga ukuba wonke umntu abhalise kwi- inshurensi yempilo ngoJanuwari 31, ngo-2018. Abo bangenazo iipesenti zerhafu ye- 2.5 kwi-2017 yabo eyongeziweyo ingeniso. Ubuncinci yi-$ 625 kumntu omdala. Ukufumana okungakumbi, bona abantu abaninzi banokuphephela irhafu ukuba bafanelekile ukuxolelwa .

I-Obamacare ivimbela iinkampani ze-inshorensi ukuba zikhanyele ukuxhaswa kumntu onobomi obukhona ngaphambili .

I-Obamacare ivumela abantu abaninzi ukuba bafumane iMedicaid. Imali engenayo ifanelekileyo yi-138 ekhulwini kwinqanaba lehlwempu . Imali engenayo yenkxaso yemali ihluka ngohlobo. Urhulumente wephondo uhlawule zonke iindleko ezongezelelweyo kwiminyaka emithathu yokuqala. Emva koko, amazwe ahlawula iipesenti ezili-10. Akubona onke amazwe awandise iMedicaid, nangona uncediso lwemali.

Uninzi lweentsapho ezenza kakhulu ukufumana iMedicaid ziya kufumana uncedo. Bayafumana inkxaso ngoncedo lwenyanga nganye okanye nokuba bancitshiswe kunye neengxowa-mali. Ingeniso efanelekileyo ifumaneke ngamaphesenti angama-400 kwinqanaba lehlwempu, kwaye landa ngexabiso lentengo ngonyaka.

Abantu abaninzi abacinga ukuba urhulumente wenkundla kufuneka abe nelungelo lokuphoqelela abantu ukuba bafumane i-inshurensi. Kutheni i-federal government idinga? Ukuba wonke umntu unomshuwalense, abantu abaninzi baya kugqirha xa begula, endaweni yokulinda de ukugula kwabo kuphenduke kwindleko engxamisekileyo. Oku kunciphisa iindleko zonyango kubantu bonke.

Ngokuhamba kwexesha, inshorensi yezempilo kufuneka ihlawule intsapho yakho. Kungenxa yokuba abantu abanempilo baya kuhlawula iiprayimari ezingaphezulu kwiinkampani zomshuwalense, ngubani oya kwenza imali eninzi. Baza kukhuphisana omnye nomnye kwiingxoxo, ngoko baya kuhlawula imali encinci ukuze bafumane ishishini. Abantu asebekhulile kwi-Medicare baya kuba neendleko zabo zonyango, oku kuthetha ukuba banako ukufumana onke amayeza abo njengoko kufuneka kwaye bahlale esibhedlele. Oku kunciphisa iindleko kumntu wonke.

Abantu abakwi-Medicare - i-Obamacare ivumela abadala kunye ne-Medicare ukuba bafumane ubuhle kunye nohambo lokunyamekela ukhuseleko . I-Medicare inikeza uluhlu lwazo zonke iinkonzo zokukhusela ezizibandakanyayo.

Abo baphethe i-Medicare Part D , eyayihlawulela abanye kodwa kungekhona iindleko zemithi yesigunyaziso, bafumana i-$ 250 ngo-2010 ukuba bayayifuna. Ngo-2011, bafumene ama-50 ekhulwini kwiidakamizwa zamagama egunyazisiweyo, kunye ne-7% yexabiso lokuphuza amayeza. Ngo-2020, i-Obamacare iya kuhlawula iipesenti ezingama-100 zemirhumo yeziyobisi zonyango kulabo abane-Medicare Part D.

Abanini-Amashishini Amancinci - Abanikazi bamashishini amancinci (abasebenzi abangama-25 okanye ngaphantsi) ababonelela nge-inshorensi yempilo bafumana irhafu yerhafu ngamaphesenti ama-50 eendleko ze-Obamacare. Banokufumana uncediso lwemali lwezezimali xa benika i-inshorensi yempilo kuma-55-64 ubudala.

Abo bafumana i-$ 200,000 ngonyaka okanye ngaphezulu - i- Obamacare ityala abantu abafumana imali engama-200,000 okanye ngaphezulu kwaye iintsapho zifumana i-$ 250,000 okanye ngaphezulu.

Amalungu kunye nabasebenzi beNgqungquthela - amalungu e-Congress kunye nabasebenzi bawo kufuneka ukuba bafumane i-inshurensi yabo ngokubambisana okufanayo, endaweni ye-inshorensi yezempilo eyinikwe ngaphambili. Kodwa bayaqhubeka befumana inkxaso-mboleko yokuhlawula i-inshurensi yabo: i-$ 4,900 abantu ngabanye kunye ne-R10 000 kwenkxaso yeentsapho.

Amashishini Amancinci - Iinkampani ezinamalungu angama-100 okanye ngaphezulu kufuneka zibonelele nge-inshorensi yempilo. Ukuba abanako okanye abanako, baya kubhatala imali engama-$ 2,000 ngomsebenzi ngamnye, ngaphandle kwabasebenzi bokuqala abangama-30. Ukubanceda bafumane izicwangciso ezincinci, amashishini anabasebenzi abangaphantsi kwama-50 angayithenga kwi-inshurensi yezempilo.

Olungakumbi kwi-Obamacare

Indlela Yokuyenza Yisebenzele Kona | I-Obamacare Isishwankathelo | Iingxaki nge-Obamacare | Iinkonzo kunye neNgcaciso | Iinyaniso Ngokuphathelele U-Obamacare | Indlela yokuyifumana | Kuqala nini? | Ngaba Ingongeza kwiMatyala? | Yintoni ekhoyo kwi-ACA ngokwayo? | Ulungiso lwezoNyango lwezeMpilo Umhlahlandlela: Ixesha elidlulileyo, elikhoyo neliKamva

Ukugcina imali kwi-Obamacare, funda yam incwadi ethi Ultimate Obamacare Handbook (2015 - 2016) .