UMthetho woNonyango wezeMpilo ka-Obama uthinta wonke amerika
Nantsi isikhokelo esheshayo nesilula kukukunceda ukuba ubone indlela u- Obamacare echaphazela ngayo. Vele ugobe ukuya kwindawo ethile ukuze ufumane iinkcukacha.
... Ukuba Ndibe ne-Intshurensi?
Ukuba i-inshurensi yakho yenziwa ngaphambi koMatshi 23, 2010 (xa i-ACA isayinwe), isicwangciso sakho asitshintshi. Kungenxa yokuba "i-grandfather", kwaye ayifuni ukubonelela ngezibonelelo ezifunekayo ze- Obamacare . Ngenxa yoko, kufuneka uqhathanise nezicwangciso zokutshintshiselana ngenxa yokuba unokufumana into engcono.
Ukuba isicwangciso sakho sidalwe emva kukaMashi 23, 2010, sitshintshile ukuhlangabezana neemfuno ezintsha okanye inkampani ikhansele. Okukunyanzela ukuba ufumane i-inshorensi entsha. Ngokomzekelo, i-ACA idinga ukuba zonke izicwangciso ze-inshorensi zikugcine xa ugule. Akunakukulahla nangona wenze iphutha kwisicelo sakho se- inshorensi yempilo . Akunakukwazi ukukhawulela umgca wendlela ofumana ngayo ngexesha lakho lobomi. Izicwangciso azikwazi ukukhanyela wena ukukhusela ukuba wena okanye umntwana wakho unesimo esasikhona ngaphambili . Urhulumente wakho kufuneka avumele onke amazinga okuhamba. Kumele ikuvumele ukuba ungeze abantwana bakho uneminyaka engama-26.
Ukufumana okungakumbi, jonga iintlawulo ezilishumi zempilo ezibalulekileyo .
Ukuba unesi-inshurensi ngokusebenzisa inkampani yakho, ingayeka ukuxhasa inkxaso yakho. Kunoko, kunokukunika inkxaso - mali ukuze uthenge i-inshurensi ngokutshintshiselwa endaweni. Ezinye iinkampani ezincinci zifumanisa ukuba zininzi zindleko zokuhlawula isohlwayo. Bayazi ukuba abasebenzi babo banokufikelela kwiingxoxo.
Amanye amashishini amancinci angathengisa ii-exchange zodwa ukuze athathe into engcono. I-CBO iqikelela phakathi kwakho ukuya kwabasebenzi abayizigidi ezihlanu balahlekelwa izicwangciso zabo ezikhoyo ngenxa yoko.
Gcina ukhumbule ukuba iinkampani zinikela ngoncedo lwe-inshurensi yezempilo njengenzuzo ekutsaleni abasebenzi abalungileyo. Bakhetha ukwenza oko kunokuhlawula umvuzo ophezulu. Inika inzuzo yerhafu kubo. Ngoko ke, ezininzi izicwangciso zeenkampani mhlawumbi aziyi kutshintsha.
... Ukuba andinayo i-Inshorensi?
Kufuneka ube ne-inshurensi kwiinyanga ezilisithoba kwi-12 okanye uhlawule irhafu ye-2.5% yengeniso yakho. Ungasithenga isicwangciso esichaphazela iimfuno zakho kwimicimbi yokunakekelwa kwezempilo. Ukutshintshana kuya kukunceda ukuba ufumane ukuba ufanelekile ukufumana izikripthi zerhafu okanye ezinye izibonelelo zezempilo karhulumente. Amazwe anikwe inkxaso eninzi ye-Federal ukuxhasa imali. Fumana isimo sakho sombuso.
Ukuba ingeniso yakho ingama-138 ekhulwini okanye ngaphantsi kwinqanaba leNtlupheko-ntlupheko , iindleko zakho ze- inshorensi ziya kugqitywa nguMedicaid ngaphandle kokuba uhlala kwimeko engazange ikhulise i-Medicaid coverage . Fumana ukuba urhulumente wakho wandisa iMedicaid.
Ukuba ingeniso yakho ingaphantsi kwamaphesenti angama-400 kwinqanaba lehlwempu, ufumana inkokhelo yerhafu inyanga nganye ukunceda ukuhlawula i-inshurensi. Nantsi Ngaba ndiya kulungela ukuxhaswa?
I-Obamacare iya kuthinta njani i-Medicare?
I-ACA inyuse iinzuzo zakho ukuba unayo i-Medicare. Kudinga ukuba zonke izilwanyana kunye nokukhuselwa kokunyamekela okukhuselekileyo zikhululekile. Ukuba unayo i-Medicare Part D, i-Obamacare ihlawula ngaphezulu imithi yesigqirha xa uwela emngxeni we-donut. Ngomnyaka we-2020, umgodi wecala uza kupheliswa. Abadala baya kuphinda bahlawule le ntlawulo xa iTrump iphinda iphinde itshintshe i-Obamacare .
I-Obamacare iya kuthinta njani ishishini elincinci?
Bonke abashishini nabasebenzi abangama-50-99 kufuneka banikeze i-inshorensi yempilo okanye bakhokhe irhafu ye-$ 2,000 ngomsebenzi ngamnye (kubo bonke kodwa abasebenzi base-30 bokuqala). Olu qale ngoJanuwari 2016. (Umthombo: UNondyebo waseMelika, iMigqaliselo yokugqibela ye-Care Affordable Act, ngoFebruwari 10, 2014)
Ukuba ishishini lakho linabasebenzi abangama-25 okanye ngaphantsi, ungayifumana irhafu yerhafu ye-50 ekhulwini yeendleko zinshuwalense yezempilo. Wonke amashishini anabasebenzi abangaphantsi kwe-100 banokuthenga i-inshurensi kwiintengiso.
Basenokunikela ngeendlela ezingcono kunokuba ufumane ngoku. Ukuba unika i-inshurensi yempilo kuma-retraite angama-55-64, unokufumana uncedo lwemali lukaRhulumente. Fumana indlela kwi-ERRP. Nazi ezinye izixhobo zokunceda amashishini amancinci ahambelane ne-Obamacare.
I-Obamacare Imibuzo ebuzwa rhoqo
- Ndingayifumana njani i-Obamacare?
- Ingaba isebenza kanjani?
- Okuhle nokubi
- Inyaniso NgoBamacacare
- Ndiya kuthatha ixesha elingakanani?
- Yintoni echanekileyo kwi-ACA?
- Ngaba i-Obamacare idibanisa namatyala?
Ukufumana iindlela ezininzi ze-Obamacare ezikuchaphazelayo, funda incwadi yam Ultimate Obamacare Handbook (2015-2016) .