Ngaba Ulahlekelwa Ngama-Submedial Obamacare?
Uninzi lwabantu bacinga ukuba uMthetho woNonophelo ongenakuncedwa wenzelwe ukunceda abampofu. Enyanisweni, ngaphezu kwesigamu (ama-56 ekhulwini) enkxaso-mali iza kufikelela kwiintsapho ezifumanekayo.
Ngokomzekelo, yintsapho yabane abane-engenayo phakathi kwe-47,100 zamawaka kunye ne-94,200 zamawaka ngonyaka. Bababanjwe kwisicupho apho benza khona kakhulu kwiMedicaid, kodwa abanako ukufumana izicwangciso zempilo zangasese. Ngokutsho kweentsapho ze-USA, ngaba ngabazali abanomsebenzi onzima njengabasebenzi benkonzo yokutya, abasebenzi bezolawulo, kunye neenkonzo zempilo ezingenayo i-inshorensi yezempilo.
I-Obamacare iya kuchitha i-1.039 trillion yee-$ 1,399 yezigidi ezixhasayo kulezi ziintsapho eziphakathi phakathi kowezi-2015 no-2024. Ziza kuchitha imali engaphezu kwama-792 yezigidigidi eziza kuchitha i-Medicaid ne-CHIP kwabasweleyo.
Qinisekisa ukuba Ufumana Uncedo olufanele
Indlela elula yokubona ukuba uya kufumana inkxaso-mali kukuya kwi-Healthcare.gov. Uya kufaka ingeniso yakho epheleleyo ekulindelekileyo kwaye iya kukuxelela ukuba ungakanani isaphulelo ozakufumana. Ungabhalisela i-Obamacare ngamanyathelo amane alula .
Khangela ishati esezantsi. Ukuba umvuzo wakho wekhaya ungaphantsi kweli, ke unelungelo lokufumana inkxaso:
| Uhlobo lweentsapho | 1 | 2 | 3 | 4 | 5 | 6 |
|---|---|---|---|---|---|---|
| Ingeniso | $ 47,520 | $ 64,080 | $ 80,640 | $ 97,200 | $ 113,760 | $ 130,320 |
Ukuba ingeniso yakho ifikelela kuma-225 ekhulwini kwinqanaba lentlupheko, unako ukusindisa ngaphezu kwezona ezininzi kwiindleko zakho. Nayiphi na inkampani yomshuwalense e thengisa ngotshintshiselwano kufuneka inciphise le ndleko kwizinga elifikelelekayo.
Indlela yokubala Ingeniso yakho yeMakhaya
Uya kufuneka uqikelele umvuzo wakho wekhaya kunyaka. Ngenxa yale nto, ikhaya lakho naluphi na umntu ofuna i-inshorensi, ngelixa umvuzo ungubani na ofakiwe kwi-tax return yakho. I-IRS ibonisa indlu yakho ngokuthi:
- Wena kunye lakho neqabane. Uya kufuneka ufake ngokubambisana unyaka ofuna inkxaso-mali, kwaye ubandakanye ingeniso yabo, nokuba ngaba ufuna kuphela i-inshorensi.
- Abantwana bakho abahlala kunye nawe, nokuba bafaka iifayile zabo.
- Nawuphi na umntu oxhomekeke kwi-tax return yakho, nokuba ngaba abahlali nawe.
- Nabani ongaphantsi kwemashumi mabini ananye onokunyamekela kwaye ahlale nawe.
- Umlingane wakho ongatshatanga kuphela xa yena / uxhomekeke kwiinjongo zerhafu, okanye umzali womntwana wakho.
Musa ukubandakanya: abantwana bakho abangatshatanga nabantwana abangatshatangayo xa ungababhalisi njengabantu abaxhomekeke kuyo; ezinye izalamane ezihlala kunye nawe, ukuba zifake iirejista zabo zerhafu kwaye azixhomekeke kubo; abantwana bakho, ukuba wena kunye nomnye umzali uqhawule umtshato kwaye awubangozi njengomxhomekeke kwerhafu.
Indlela elula yokuqikelela ingeniso yakho kukuba uqale ngemali engenayo ehlawulisiweyo evela ekuphumeni kwentela yonyaka odlulileyo. Loo mgca 37 kwifom ye-1040, umgca we-4 kwifom ye-1040 EZ, kunye nomgca 21 kwifom ye-1040 A. Yongeza imali engenayo ngaphandle, engenakuxhatshazwa kwiNkxaso-ntle yeNtlalo, kunye ne-interest-exemption interest if you have them (ininzi abantu abayiyo).
Ungafaki Imali yeNkxaso yoKhuseleko.
Ukuba ucinga ukuba uya kuphakanyiswa kunyaka ozayo, utshintshe imisebenzi, okanye ungeze / ukhuphe nabani na abaxhomekeke kwindlu yakho, qi kelela ukuba kuya kutshintsha njani ingeniso yakho. I-Healthcare.gov ikukhokela ngendlela yokulinganisela imali engenayo.
Indlela yokufumana inkxaso yakho
Inkxaso yongezwa kwimbuyekezo yakho yerhafu yengeniso. Ngethamsanqa, inkxaso-mali iyasetyenziswa ngokuzenzekelayo ukunciphisa i-premium yakho yenyanga. Ukuba awufaki iirhafu, awuyi kufumana inkxaso. Kukho iintetho ezithoba kwi-Obamacare .
Ukuba ingeniso yakho iyanda ngonyaka, ke inkxaso yakho iya kuncitshiswa. Umrhumo wakho werhafu uza kuba mkhulu ngenxa yoko. Ukuze ugweme oko, hlaziya i-akhawunti yakho kwiziko lezempilo kwi-healthcare.gov nayiphi na ingeniso engenayo okanye utshintsho lwekhaya.
Uninzi lweNkxaso-mali oyifumanayo?
Incediso isekelwe kwiindleko zesiCwangciso se-inshurensi yeSiliva.
Leyo enye yamanqanaba amane e-inshurensi ekutshintshisweni.
- Izicwangciso zebhonze zihlawula iipesenti ezingama-60 zeendleko zakho zonyango , ngelixa uhlawula ipesenti ezingama-40 ngokubanzi. Zineeprayimari ezisezantsi.
- Izicwangciso zegolide zihlawula iipesenti ezingama-80, ngelixa uhlawula iipesenti ezingama-20 Iiplani ezininzi ze-Gold zinemali ephezulu, kodwa i-deductible ephantsi, kunezicwangciso zeBronze.
- Izicwangciso zesilivere zihlawula iipesenti ezingama-70, kwaye uhlawula iipesenti ezingama-30 Izidumbu zihlala zi-$ 2,000 ze-singles / $ 4,000 kwiintsapho ezahlukeneyo.
- Izicwangciso zePlatinum zithatha iipesenti ezingama-90 zeendleko zonyango, kwaye ezininzi zinokutsalwa.
Zonke zibonelela ngezibonelelo zezempilo eziyimfuneko ezi-10 , zibonelela ngononophelo wokukhusela , kwaye zihambisane neminye imithetho ye-ACA. Ukwahlukana kwenkcazo kuya kuboniswa kwiiprayimari, kwiingxowa-mali, kunye ne-copays.
Incediso isekelwe kwisiqinisekiso sokuthi awuhlawuli ngaphaya kwe-9,5 ekhulwini yengeniso yakho kwisicwangciso sesilivere esiphantsi kwesibini. Kubalwa ngokuthatha loo ndleko kunye nokukhupha iipesenti eziyi-9,5 yengeniso yakho. Ungayisebenzisa le mali kwisicwangciso okhethayo.
Nasi umzekelo wendlela unokubalwa ngayo:
- Iindleko zesiCwangciso seSiliva = $ 9,500 ngonyaka.
- Ingeniso yakho = $ 50,000.
- 9.5% yengeniso yakho = .095 * $ 50,000 = $ 4,750.
- Inkxaso yakho = $ 9,500 - $ 4,750 = $ 4,750.
Ngethamsanqa, i-healthcare.gov ishintshanisa izibalo zonke kuwe.Isibonelelo sakho sangempela sinokuba sikhulu kakhulu, okanye sincinci kakhulu, kuxhomekeke kwingeniso yakho, inani labantu kubomi bakho, ubudala bakho, nokuba utshaya okanye awuyi.
Indlela Ukuxhaswa Ngumsebenzi
Inkxaso-mali isekelwe kwinqanaba lehlwempu . Oku kuchaza ukuba urhulumente uthathwa njani ukuba uhlala entluphekweni, ngokusekelwe kwingeniso kunye nobukhulu beentsapho.
Akumele ube yintlupheko yokufumana inkxaso-mali ye-Obamacare. Nangona umvuzo wakho ungaphezu kwamaxesha amane ngaphezu kweFPL, uya ku fumana into. Kukho amanqanaba amahlanu encediso.
- Ibhola lokuqala lokufumana imali li-138% ye-FPL (iipesenti ezingama-38 ngaphezu kweFPL). Eli nqanaba le ngeniso liyafaneleka kwiMedicaid. Nangona kunjalo, urhulumente wakho kufuneka avume ukwandisa, kwaye isiqingatha asizange.
- 150 ekhulwini zeFPL. Yonke inqanaba lemali engenayo lifumana inkxaso. Ukusondela kwakho kumgangatho wentlupheko, inkxaso yakho enkulu.
- Iipesenti ezingama-200 zeFPL (ubuncinane kabini ubuhlwempu).
- Iipesenti ezingama-250 zeFPL.
- Amaphesenti angama-400 eFPL (amaxesha amane kwintlupheko).
Ukuxhaswa kweNkxaso ngeNkxaso
Uphando lweKaiser lubonise ukuba phantse isiqingatha salabo bafumana inkxaso-mali karhulumente ngokubambisana abazange bazi. Ingxelo yeSebe lezeMpilo kunye neNkonzo zoLuntu ithi ama-87 ekhulwini abo babhalise kwi-exchange exchange bafumana inkxaso-karhulumente, kodwa i-46% kuphela ixelela uKaiser.
Mhlawumbi ngenxa yokuba ama-43% athi afunyanise ukuhlawula ama-premium awo "nzima." Nangona kunjalo, i-Ofisi ye-Budget ye-Congressional ifumene ukuba iiprayimali phantsi kwe-Obamacare zazingama-16 eepesenti ngaphantsi kwephambili. I-CBO iqikelela ukuba iipesenti ezingama-60 zalabo abafumana izicwangciso ezivela kwiintengiselwano ziya kuhlawula ngaphantsi kweedola ezili-100 ngenyanga malunga nokukhutshwa komntu ngamnye.
Olungakumbi kwi-Obamacare
Ingaba isebenza kanjani? | Izinzuzo Uninzi lwabantu alukwazi malunga ... Yintoni ephosakeleyo nge-Obamacare? |
Iimali ze-Obamacare | Ndiya kuthatha ixesha elingakanani? | Indlela yokufumana i-Obamacare Xa iqala?
Ngezinye iinkcukacha malunga nendlela yokugcina imali kwi-Obamacare, funda yam incwadi ethi Ultimate Obamacare Handbook (2015 - 2016) .