Ukubhaliswa kwe-Obamacare kuqala ngoNovemba 1, Ngaba ulungele?
NgoNovemba 1, 2017: Ubhaliso oluvulekileyo lwe- Obamacare umcimbi we-2018 luqale kwi- inshurensi yezempilo . Ukutshintshana kuhlale kufumaneka ukuqhathanisa izicwangciso kwaye ubone ukuba unelungelo lokufumana inkxaso-mali . Ukuba ulungele ukunyuka kweMedare, ungayifumana nayiphi na ixesha.
Disemba 15, 2017: Ubhaliso oluvulekileyo lwe-inshorensi yempilo. Ukuba awuzange ubhalisele i-inshurensi ngolo xesha, irhafu yakho i-2.5 ekhulwini yemali engenayo epheleleyo . Intlawulo ephezulu ilingana neendleko eziqhelekileyo zesicwangciso seBronze. Ixabiso elincinci lentlawulo liya kuba yi-$ 695 ngamnye kumntu omdala, kunye ne-$ 347.50 ngomntwana ngamnye, athathwe kwi-$ 2,085 kwintsapho.
Abanikazi bamashishini amancinci nabasebenzi abangama-100 okanye ngaphezulu kufuneka bahlawule i-$ 2,000 ngomsebenzi ngamnye (ngaphandle kwe-30 yokuqala) ukuba abanako ukubonelela ngomshuwalense, okanye ukuba abasebenzi bafumana isicwangciso esincinci seendleko kunye neenzuzo ezifanayo kwintsebenziswano. Basenokungahlawulwanga imali xa bebonelela i-inshurensi ukuya kuma-70 ekhulwini kubo bonke abasebenzi bexesha elipheleleyo. Iinkampani ziya kufumana irhafu yerhafu ye-50 ekhulwini yeendleko zokubonelela i-inshurensi.
Amashishini amancinci angafuna izicwangciso kwi-SHOP Marketplace indawo.
NgoJanuwari 1, 2018: I- inshorensi yempilo ethengiweyo ngokuthengelana iqala ngo-2018. Zonke izicwangciso ziya kunika iinkonzo kwi- 10 yezona zinto ziyimfuneko zezempilo , kunye nokunikezela zonke ezinye izibonelelo ze-Obamacare .
Izicwangciso zineentlobo ezine ezihlukeneyo, zilungiselelwe ukuba zininzi kangakanani ezimalunga nokuxhaswa kobuninzi.
Izicwangciso zebhonze zihlawula kuphela iipesenti ezingama-60 zeendleko zakho zonyango lonke kodwa zineeprayimari zenyanga eziphantsi. Izicwangciso kwezinye iindidi ezintathu zineeprayimari eziphezulu kodwa zikhupha iindleko ezingaphezulu: Iiplani zesilivere zihlanganisa iipesenti ezingama-70, iiplani ze-Gold zibandakanya ama-80 ekhulwini, kwaye iiplatinum zicwangcisa iipesenti ezingama-90 zeendleko. Uluhlu lwesicwangciso linye yezinto ezintlanu ezenza ukuba u- Obamacare obuninzi uza kukubiza njani .
2020: Amashishini kufuneka ahlawule irhafu yeerhafu kwi-"Cadillac" iinjongo ze-inshorensi yezempilo. Ezi zicwangciso ezibonelela ngeenkonzo ezizodwa, kunye neeprayimari zazo zi-$ 10,200 (ngabanye) okanye i-$ 27,500 (iintsapho) okanye ngaphezulu. Banikela ngemali ephantsi okanye banikezele ngeenzuzo ezingaqhelekanga, ezifana nokucebisa umtshato. Amashishini anika amacebo eCadillac ukuba uninzi lwabaqeshwa babo lukhulile, bahlala kwindawo ethile ngeendleko zempilo ebiza, okanye baneemisebenzi engozi.
I-2020: I-Medicare "yenze umgodi" inqanyulwa.
I-Obamacare Utshintsho oluye lwaqala
NgoMatshi 23, 2010: UMongameli Obama wasayina umthetho we- ACA . Nantsi into eyenziwa ngokukhawuleza.
- Amashishini amancinci athathwe ngetyala lentengo yeepesenti ezingama-35 zeentlawulo zabo ze-premium zabasebenzi.
- Iinkonzo zokunyuselwa ngaphakathi zihlawulwe irhafu yeerhafu.
- Amashishini awanikeze i-inshorensi yezempilo yasemva komhlala-phantsi asebuyiselwe kwi-December 31, 2011.
- Abo babefanele bahlawule inxalenye yeli galelo kwi-Medicare Part D Isigulana se-Drug coverage ("umgodi wenkxaso") ifunyenwe isaphulelo se-$ 250.
- Abazali banako ukugcina abantwana babo kwi-inshurensi yabo ukuya kuma-26 ubudala.
- Iinkampani ze-inshurensi zazingenakukwazi ukulahla abantu xa zigula, zenze imida yokuphila, okanye zikhanyele ukuhanjiswa kwabantwana abaneemeko eziye zaqala . Kwafuneka ukuba zikhusele iipesenti ezili-100 zeenkonzo zokukhusela .
NgoJuni 17, 2010: Imimiselo yaseburhulumenteni "inzala enkulu" kwizicwangciso zempilo ezazikho ngoMatshi 23, 2010.
2011: Ezi zibonelelo ezongezelelweyo zaqala ngo-2011:
- I-Medicare ihlawule iipesenti ezili-100 zeendleko zeenkonzo zokukhusela, kwaye ixoxisana ne-50% yexabiso lokusaphuhlisa kwigama lomenzi wegama.
- Iinkampani zomshuwalense kwakufuneka zibonakalise ukuba zichithe ubuncinane iipesenti ezingama-80 zeentlawulo ze-premium kwiinkonzo zonyango okanye zithumela izibhengezo kubaphathi-nkqubo. Kwafuneka ukuba bangenise ukulungiswa kwiibhodi zeseburhulumenteni ezixhaswe ngemali kuzo zonke iinqanaba zokuhamba
- Iimali ze-Federal zandisa inani loogqirha, oongikazi kunye namaziko ezempilo yoluntu.
NgoJuni 28, 2012: INkundla Ephakamileyo yagweba ukuba u- Obamacare wayemthethweni .
NgoJanuwari 1, 2013: Abahlawuli berhafu ngabanye banokukrazula kuphela iindleko zonyango okwangenani ubuncinane kwi-10% yengeniso. Kwakuyi-7.5 ekhulwini ngaphambili. Ukuba imali yabo ingenayo i-$ 200,000 okanye ngaphezulu (i-$ 250,000 kwiintsapho), bahlawula i-tax rate engama-2,35 kwimali engenayo ngaphaya komda. Baye bahlawula irhafu ye-3.8 yepesenti ngaphantsi kwe (a) izahlulo, ukuzuza kweenkunzi, ukurenta kunye neentlawulo okanye (b) ingeniso engaphezulu komda.
I-Medicaid ihlawule iipesenti ezili-100 zeenkonzo zokukhusela, kwaye i-CHIP yandisa iminyaka emibini. Amazwe afumana iimali zikaRhulumente kulo. I-Medicare iqalise inkqubo yovavanyo yokunceda izibhedlele zithengise iinkonzo ngaphambi kokuzithoba kwiintlawulo. I-Medicare ibuye ihlawule iipesenti ezili-100 zemirhumo yamagqirha ekliniki.
Iinkampani zomshuwalense azikwazi ukukhanyela ukufihlakeleyo kunoma ubani onobume obukhona ngaphambili. Amashishini amancinci aya kufumana iikhredithi zerhafu ukufihla ukuya kuma-50 eepesenti yazo zonke iintlawulo zeempesimenti zabasebenzi.
Ukuba awuzange ubhalisele i-inshurensi ngexesha lokubhaliswa okuvulekileyo ngomhla kaFebruwari 15, 2014, uhlolwe irhafu yengeniso engama-2 ekhulwini leNgeniso ye-Gross Adjustment. Awuyi kuhlawula ngaphezu kweendleko eziqhelekileyo zesicwangciso seBronze. Awuyi kuhlawula ngaphantsi kwesilinganiso esicwangcisiweyo se-$ 325 ngamnye kumntu omdala kunye ne-162.50 ngomntwana ngamnye, athathwe kwi-$ 975 nganye intsapho. (Umthombo: Ezempilo.gov.)
Oluthe xaxa kwi-Obamacare: Kuya kuthinta njani na? | Iinyaniso Ngokuphathelele U- Obamacare | Kutheni Kufuneka Unakekelo LwezeMpilo Ukuba Luguquke | Ngaba i-Obamacare idibanisa namatyala? | I-Campaign ye-Care Care ye-Obama
Ukufumana ezinye iindlela zokugcina imali kwi-ACA, khangela incwadi yam Ultimate Obamacare Handbook (2015-2016) .