I-Obamacare Isishwankathelo

Ucinga Ukuba U-Obamacare Akukuchaphazeli? Cinga kwakhona.

I-Obamacare igama eliqhelekileyo loLondolozo lweMonde kunye noMthetho woNonophelo ojongene noNyaka ka-2010 . Nangona awuzange uthenge i-inshurensi kwiingxoxo, sele sele ikuchaphazele, umntu owaziyo kunye noqoqosho jikelele. Nantsi isishwankathelo esheshayo sokuthi u-Obamacare ithinta njani, kuxhomekeke kwimeko yakho. Fumana indlela ezi ziguquka ngayo njengoko iTrump ithintela u-Obamacare .

Ukuba Usenayo Intshurensi yezeMpilo

Unokugcina i-inshurensi yakho ekhona ukuba isicwangciso ngasinye ozithengayo.

Unokugcina isicwangciso somqeshi. Ezi ziquka izicwangciso ozifumanayo kuMthetho wokuQiniswa koHlahlo lwabiwo-mali lwe-Omnibus . Unokugcina isicwangciso sokuthatha umhlala-phantsi, i-Medicare, i-Medicaid, i-CHIP, i-PLC, ne-TRICARE kunye nezinye iinkqubo zokunakekelwa kwezempilo. Ukuba unemibuzo, jonga izicwangciso zempilo ezifanelekileyo okanye ubuze umboneleli wakho wezempilo.

Khangela ukujonga ukuba isicwangciso sakho sasikhona ngo-Matshi 23, 2010. Ukuba kunjalo, "yayizalwe." Oko kuthetha ukuba akudingeki ukubonelela ngeenzuzo eziyimfuneko zezempilo ezi- 10 . Abantu abaninzi baye baqulunqa izicwangciso zabo kwinkampani yomshuwalense ngenxa yokuba ayihambisani nale migangatho.

I-Obamacare iphucule izibonelelo ozifumanayo kwezi ndlela ezi sixhenxe:

1. Ikuvumela ukuba ungeze abantwana bakho ukuya kuma-26 ukuya kwisicwangciso se-inshurensi yezempilo.
2. Ngeke ube ne-co-pay pay for wellness okanye ukukhulelwa iimvavanyo.
3. Ukuba uyagula, inkampani yakho yomshuwalense ayikwazi ukukulahla nangona wenza iphutha kwisicelo sakho se-inshorensi yempilo.

1. Ayikwazi ukukhawulela umyalezo owufumanayo ngexesha lobomi bakho.
2. Ukuba unesimo esele sisekho ngaphambili , awusayi kuba nexhala malunga nokulahlekelwa kwenkcazo xa utshintshe i-inshorensi yakho.
3. Iinkampani zomshuwalense kufuneka zingenise ukulungelelaniswa kuzo zonke iindawo zokuhamba. I-Obamacare inikezela ngemali kwilizwe ekulawuleni oku.

1. Usenokuba ufumene isaphulelo kwiinkampani zakho ze-inshorensi. I-Obamacare idinga ukuba bachithe ubuncinane ama-80 ekhulwini kwiintlawulo zee-premium kwiinkonzo zonyango endaweni yokuthengisa kunye nemivuzo yolawulo. Ukuba abanako, imali ibuyela kuwe.

Abantu abaninzi banenkxalabo yokuba inkampani yabo iya kukhupha i-inshorensi yabo yezempilo kwaye ibaphoqe kwi-Obamacare. Oku kwenzeka kubasebenzi abayizigidi ezili-1. Bafumene inkampani yabo yenkampani yomshuwalense ayengafuni ukubonelela ngezicwangciso ezingahambisani. Abanye basebenzela iikhampani ezifumene ixabiso elininzi ukuhlawula isohlwayo. Ezi nkampani ziyazi ukuba abasebenzi bazo banokufumana ingqalelo kwiintengiso ze- inshurensi yezempilo . Abanye banokukhetha ukuthenga iintengiso ukuze bafumane into engcono. Uhlahlo lwabiwo-mali lwe-Congressional I-Ofisi eqikelelweyo phakathi kwabasebenzi abayizigidi ezi-3 ukuya kwezi-5 ilahlekelwe izicwangciso zabo ezikhoyo ngenxa yoko.

Kodwa oko akuzange kwenzeke kubantu abaninzi kwaye nantoni na. Iinkampani zinika i-inshurensi yempilo njengenzuzo ekutsaleni abasebenzi abalungileyo. Zingabizi ngaphezu kwemivuzo ephezulu kuba abanakho irhafu yokuhlawula.

Ukuba nantoni na, iipriyamu zakho kufuneka zinciphise ngokuhamba kwexesha. Injongo ephambili ye-Obamacare kukunciphisa izindleko zempilo. Ngokuvumela abazali ukuba bangeze abantwana babo, abantu abanempilo bahlawula iipriyamu ngaphandle kokusebenzisa inkqubo.

Oku kwandisa iinzuzo zeenkampani zomshuwalense. Bamele banike iiprayimari eziphantsi ngaphaya kwexesha. Ngokufanayo, abafumana i-Medicare ngoku banemali engaphezulu yeendleko zabo. Oko kuvumela ukuba baqhubeke nokuthatha imishishini efunekayo ekukhuseleni ukutyelela kwamagumbi okuphuthuma.

Wonke umntu kufuneka ukuba abe ne- inshurensi yezempilo . Oko kuthetha ukuba abantu abaninzi baya kusebenzisa ukunakekelwa kokukhusela endaweni yokulinda de bafuna igumbi lokuphucula. Ukuvakatyelwa kwamagumbi okuphuthuma i-$ 1,265. Izibhedlele kufuneka zidle le ndleko kwizigulane ezihlwempu. Baphinde badlulisele iindleko kwiinkampani zomshuwalense okanye kwiMedicaid. Xa ezi zindleko zithintelwe, iindleko zebhedlele kwaye ngoko ke iindleko zonyango jikelele zonyango ziya kulahla.

Ukuba awunayo i-inshurensi yempilo

Kufuneka ukuba ube ne-inshurensi ubuncinane kwiinyanga ezilisithoba kwi-12.

Ngaphandle kwayo, uya kuhlawula i-2 ekhulwini yengeniso yakho kwi-2017 yakho yokubuyisela irhafu . Bala inani elichanekileyo kwaye ubone ukuba luya kunyuka kangakanani ngo-2018 .

Ukuba kukho nayiphi na induduzo, amalungu eCongress nawo anikwe igunya lokufumana i-inshurensi yabo yempilo ngokubambisana okufanayo kunye ne-inshorensi yezempilo enikezelwe nguRhulumente. Bafumana inkxaso-mali engama-$ 4,500 ngabantu okanye i-R10 000 ukuze bafumane ukuhlawula iintsapho.

Ixesha lokubhalisa ngo-2018 livela ngoNovemba 1 ukuya kuDisemba 15, 2017. Ukutshintshiselana kukuvumela ukuba uqhathanise izicwangciso zezempilo ngaphambi kokuba uthenge. Ukutshintshisana kukukunceda ukuba ufumane ukuba unelungelo lokufumana inkxaso okanye unyango lwezempilo ngaphandle kweMedicaid. Amazwe anikwe inkxaso-mali eninzi yokuxhasa i-exchange kunye nokwandisa iMedicaid. Nangona kukho ukukhuthaza, akubona bonke ababhalisile. Fumana isimo sakho sombuso.

Ukuba awukwazi ukuphazamisa i-inshurensi yezempilo

Uya kufaneleka kwiMedicaid ukuba iholo lakho lingama-138 ekhulwini okanye ngaphantsi kwinqanaba lehlwempu . Urhulumente wephondo uhlawula i-Medicaid kwandisa i-100 ekhulwini ngo-2017 kunye ne-90 ekhulwini emva koko.

Ukuba awufaneleki kwiMedicaid, usenokufumana inkxaso-mali. Uya kufaneleka ukuba ingeniso yakho ingaphantsi kwama-400 ekhulwini kwintlupheko. Esikhundleni sokulinda isaphulelo sakho sonyaka serhafu, unokufumana ityala lenyanga yentlawulo nganye. Unako ukufumana iimpazamo zokunciphisa kunye neengxowankulu. Qaphela ngakumbi iinketho zakho ngokufunda indlela yokufumana i-Obamacare .

Unokufanelekela ukuxolelwa kwerhafu ukuba imali yakho engenayo iphantsi kakhulu, urhulumente wakho awunakwandanga iMedicaid, okanye usemeni yobunzima. Yazi okungekho kwimithetho ngokujonga kwii- Obamacare ukuxolelwa .

Ukuba Unogqirha

Ngoku ufumana ubuchule obuninzi kunye nohambo lokunyamekela ukhuseleko. IiNkonzo zeMpilo eziPhephayo zinika uluhlu olupheleleyo lwezinto eziphathekayo zeMedare. Ukuba unayo i- Medicare Part D , u-Obamacare unceda ukuhlawula izidakamizwa zakho zemithi xa uthe wawela "kwindawo yokungena." Ngo-2020, i-ACA iya kuphelisa umgodi wecala.

Ukuba Unomnini-shishini loNcinci

Abasebenzi abangama-25 okanye ngaphantsi - Unako ukufumana ityala leerhafu ye-50 ekhulwini yeendleko ze-inshurensi yezempilo ezithengiweyo kwiNdawo yeeNkcazo zezeMpilo kwiNkcazo yeMarike. Ukungenzi inzuzo kufumana i-35 yeepesenti zemali.

Abasebenzi abangaphantsi kwama-50 - Akunakufuneka uhlawule imali xa abasebenzi bakho befumana izikripthi zerhafu ngokutshintshiselana.

Abasebenzi abangama-50 okanye ngaphezulu - kufuneka unikeze i-inshorensi yempilo okanye uhlawule irhafu ye-$ 2,000 ngomsebenzi ngamnye. Oku kuhlanganisa bonke abaqeshwa abangama-30 bokuqala. Oku kwaqala ngoJanuwari 2015.

Abasebenzi abangaphantsi kwe-100 - Ungathengela i-inshurensi kwiintengiselwano ngo-2014 ezifanele zinikeze ezinye iindlela ezincinci kunezinto ezikhoyo ngoku. Ukuba unika i-inshurensi yempilo njengenzuzo kumhlala-phantsi omdala, oneminyaka engama-55 ukuya kuma-64 ubudala ubudala, unokufumana uncedo lwezemali. Fumana indlela yoLungiselelo lokuQinisekiswa koPhulo lwaMandulo. Bona ezinye izixhobo zokunceda amashishini amancinci ahambelane ne-Obamacare.

Qaphela - Eli nqaku lisishwankathela inzuzo ye-Obamacare . Ukufumana malunga neerhafu kunye neentlawulo, nceda ubone i- Obamacare Taxes . Yazi konke malunga ne-ACA evela kwiSebe lezeMpilo kunye neNkonzo zoLuntu.

Ekujuleni: I-Obamacare isebenza njani? | Iinkonzo kunye neNgcaciso | Iinyaniso Ngokuphathelele U-Obamacare | Yintoni ekhoyo kwi-ACA ngokwayo? | Iintlanganiso zeCongress 'zokubeka indawo ye-Obamacare | I-Campaign ye-Care Care ye-Obama

Ukugcina imali kwi-Obamacare, funda incwadi yam ethi "I-Ultimate Obamacare Handbook. "