Izinto ezi-5 ezibikezelayo Ziza kukuhlawula phi i-Obamacare
Okokuqala, iindleko zakho kuxhomekeke kwisicwangciso sigaba okhethayo. Zonke izicwangciso ze-inshorensi yezempilo ziwela kwelinye leentlobo ezine. Bonke banikela ngeenzuzo ezifanayo ezibalulekileyo zezempilo . Iindidi ezine zi:
- Ubhonkco - Unama-premium aphantsi, kodwa uhlawula kuphela iipesenti ezingama-60 zeendleko zakho zokunakekelwa kwezempilo . Khetha esi sicwangciso ukuba awukulindelanga iindleko zezonyango ezininzi.
- Isilivere-Izwe Iipesenti ezingama-70 zeendleko zakho zonyango, kodwa iiprayimari ziphezulu kunecebo leBronze.
- Igolide - Ivelisa iipesenti ezingama-80 zeendleko zakho, kunye neeprayimari eziphezulu kunecebo leSiliva.
- I-Platinum-Izwe i-90 ekhulwini yeendleko zakho, kodwa i-premium eziphezulu zenyanga. Kuya kuqiqa ukuba ukhethe esi sicwangciso ukuba unempilo engapheliyo.
Izicwangciso kwicandelo ngalinye zivumela ukuba uqhathanise ama-premium zenyanga, ama-deductibles, ii-copays kunye nama-maximums-out-of-pocket annually. Yilapho ephosakeleyo. Ngaphandle kwinqanaba elifanayo, icebo eliphantsi kweprayimamu linokuthi lithathwe kakhulu.
Unokugqiba ukuhlawula ezinye iindleko zempilo xa ugule kunokuba ungazicwangcisa ngecebo eliphezulu kunye ne-premium ephezulu. Ngoko kufuneka uqikelele ukuba zininzi iindleko zonyango lwezempilo eziza kubakho, ke uzimisele isicwangciso se-inshurensi esinceda ukusika iindleko ezipheleleyo.
Okwesibini, iindleko zakho kuxhomekeke kwiminyaka yakho.
Iinkampani zomshuwalense yezempilo zivunyelwe ukuhlawula iiprayimari eziphezulu kubantu abadala. Kodwa abakwazi ukuhlawulwa ngaphezu kwexesha eliphindwe kathathu kwi-premium kubantu abancinci.
Okwesithathu apho uhlala khona . Kungenxa yokuba iindleko zokuphila, kubandakanywa nokunakekelwa kwempilo, ziphakamileyo kwezinye iidolophu kunezinye.
Okwesine kunye nesesihlanu ingeniso yakho kunye nosapho . Ukuba wenza iipesenti ezingama-400 okanye ngaphantsi kwinqanaba lehlwempu , uya kufumana inkxaso-mali. Nantsi indlela osebenza ngayo inkxaso. Yithi ungumntu oyedwa kwaye ufumana i $ 47,520 (malunga nama-400 ekhulwini lobuhlwempu). I-Obamacare ithembisa ukuba awuyi kuhlawula ngaphezu kwe-9,5 ekhulwini yengeniso yakho ngonyaka, okanye i-$ 4,514, kwisicwangciso seSilivere esiphantsi. Incediso yakho yindleko yesicwangciso, ingaphantsi kwe-$ 4,514. Ngoko ukuba icebo li-$ 5,000, inkxaso yakho i $ 485.
Kuthekani ukuba ufuna isicwangciso esibi kakhulu? Iziseko ze-Obamacare zonke izibonelelo ngeendleko zesicwangciso seSilivere esiphantsi kwesibini. Ngako-ke inkxaso yakho isekho i-$ 485 ngonyaka, ongayisebenzisa kuyo nayiphina isicwangciso. Uhlawula umahluko.
Ngethamsanqa, impilo yonakekelo yakwa -.gov ibalisela zonke ezi zinto. Ikuvumela ukuba ukhethe ukuba ufuna uncediso lwenyanga nganye, okanye ekupheleni konyaka njengentlawulo yerhafu . Ibala nokuba i-premium yesicwangciso oyikhethayo ngokusekelwe kwingcediso yakho.
Ingakanani i-Obamacare Iya kuxabisa kumanga ukuba ...
Ndenza ngaphantsi kweRandi 16,643 (okanye i-$ 33,948 kwiNtsapho yabane) - Ukuba ingeniso yakho ingama-138 ekhulwini okanye ngaphantsi kwinqanaba lehlwempu, ufanelekile ukunyusa iMedicaid. Oko kuthetha ukuba u-Obamacare ubiza ixabiso lakho. Kodwa amaninzi athi ilizwe alizange likhulise iMedicaid. Ukuba uwela ngaphakathi kwoluhlu lwengeniso, kwaye awukwazi ukufumana iMedicaid ukusuka kwimeko yakho, yintoni eyenzekayo. Okokuqala, awuyi kuhlawula irhafu ngokungenayo i-inshurensi. Okwesibini, ukuba ingeniso yakho iphantsi kangangokuthi awuhlawuli irhafu, uxolelwe kwerhafu. Okwesithathu, unokwenza isicelo se-inshurensi ngokutshintshiselana. Awuyi kuhlawula ngaphezu kwe-2 ekhulwini yengeniso yakho yeSicwangciso seSiliva.
Ndenza ngaphantsi kwamaRandi angama-29,700 (i-$ 60,750 kwiNtsapho yabane) - Ukuba ingeniso yakho ingaphantsi kwama-250 ekhulwini kwinqanaba lehlwempu, awuhlawuli ngaphaya kwe-8.05 ekhulwini yengeniso yeSicwangciso seSiliva.
Ngamanye amagama, inkxaso yakho yindleko yeSicwangciso seSilivere esiphantsi kwesibini esingaphantsi kwe-8.05 iphesenti yengeniso yakho. Sebenzisa i-calculator yenkxaso-mali ye-Healthcare.gov ukufumana ukuba ungakanani.
Ndenza ngaphantsi kwamaRandi angama-47,520 (i-$ 97,200 kwiNtsapho yabane) - Ukuba ingeniso yakho ingaphantsi kwama-400 ekhulwini kwinqanaba lehlwempu, awuhlawuli ngaphaya kwe-9,5 ekhulwini yengeniso yeSicwangciso seSiliva. Ngamanye amagama, inkxaso yakho yindleko yesibini yesiCwangciso seSiliva esiphantsi kakhulu kwisithuba se-9.5 sepesenti yengeniso yakho.
Andiyi kuCwangcisa i- inshurensi ngo-Januwari 30, 2017, kwaye ungena ngaphandle kweenyanga ezintathu, uza kuhlawulwa irhafu yengeniso engaphezulu kwama-2.5 ekhulwini lakho imali engenayo xa uhlawula irhafu yakho yerhafu ye-2016. Ayikwazi ukuba ngaphantsi kwerhafu encinane yerhafu ye-$ 695 kumntu omdala kunye ne-$ 347.50 ngemali ngamnye, ukuya kwii-2,085 zezindlu nganye. Ayikwazi ukuba ngaphezu kweendleko zesicwangciso seBronze.
Nangona iphakamileyo, ukuhlawula irhafu mhlawumbi kusekho indleko ngaphantsi kwe-inshurensi. Kodwa iindleko zakho ziya kukwanda ngokukhawuleza ukuba uphuma enqabeni. Ngokomzekelo, ukutyelela kwegumbi loxakeko li-$ 1,265. Ukuba uphula unyawo lwakho, unyango lunokubiza i-$ 16,000. Unyango lwe-Cancer ungadola i-$ 30,000 (i-7,000 zamaRandi kwi-chemotherapy yedwa).
Ndinomshuwalense - Iindleko zomshuwalense zempilo zihlala zifana. Kodwa, unokufumana isicwangciso esingcono seendleko eziphantsi kwi-Obamacare. Hlalani nikhumbule, ukuba iindleko zomshuwalense zempilo zikhulayo kungakhathaliseki ukuba yi-Obamacare. Amashishini abekwe ngaphezulu kweendleko kubasebenzi kwiminyaka, nje ukugcina iimfuno zabo. Iindleko zokunakekelwa kwezempilo ziye zanda, ngokwesilinganiso, ama-3-4 ekhulwini ngonyaka, ngoko ke iinkampani ze-inshorensi ziphakamisa iintlawulo zabo zokufihla imida yazo. Ngoko ukuba iindleko zomshuwalense wakho wezempilo zinyuka, ziya kuqhubeka zenza njalo ngezi zizathu.
Isicwangciso sokunyamekela okanye isaphulelo sezinyo, isicwangciso sonyango sesaphulelo, okanye i-compass compass is not inshorensi.
Intshuwalense enobungozi ithathwa njengobunjineli obufanelekileyo. Kodwa unokufuna ukulifanisa nesicwangciso-mali esipheleleyo kwintsebenziswano ukuze ubone ukuba unako ukuhlawula iindleko zakho zonyango jikelele. Khumbula ukuba ukuba utshintshile, awukwazi ukubuyela emva kokuba ungaphantsi kwe-30 okanye ube nezinye iimeko.
I-ACA iphucula iindleko zeMedare . Yanciphisa iindleko zeCandelo D ukuba ungena kwi "hole hole" gap ekukhuselweni kweziyobisi zonyango. Ngomnyaka we-2020, umgodi wecala uya kutshabalala.
Ngokufanayo, ukuba unesiqinisekiso se-inshorensi phantsi kwesicwangciso somhlala-phantsi, i-CHIP, TRICARE kunye nezinye iinkqubo zokunakekelwa kwezempilo, okanye iSicwangciso soVolontiya se-Peace Corps, iindleko zakho aziguquki.
Ukuba unayo i-COBRA, ungayigcina. Kodwa ngokuqinisekileyo uya kufumana i-intsebenziswano engcono kwiingxoxo.
Ndenza ngaphezulu kwamaRandi angama-200,000 (ama-250,000 amaRandi aMaKristu abatshatileyo) - Abo benza imali engaphezu kwama-200,000 ngonyaka (i-$ 250,000 yezibini ezitshatileyo zifakela ngokubambisana, i-$ 125,000 yezibini ezitshatileyo zifakela ngokwahlukileyo) zihlawule irhafu yentlawulo yongeziweyo:
- Isongezelelo se-0.9 pesenti yesibhedlele se-Medicare kwimali engenayo ngaphezu komda.
- I-3.8 yeepesenti ezingaphezulu kwi-(a) ingeniso yezolimo-mali njengenzuzo kunye neenzuzo eziyinkunzi okanye (b) ingeniso epheleleyo ehlengahlengayo engaphezu komda.
- Le rhafu iyasebenza xa uthengisa ikhaya lakho kwaye wenza ngaphezulu kwama-250,000 (ama-single) okanye i-$ 500,000 (izibini ezitshatileyo) kwiinzuzo ezinkulu. Ukuba uthengisa ipropati yotyala-mali, awufumani le nto yokukhutshwa. Konke kubalwa njengenzuzo eyinkunzi.
Ndiyichitha iindleko zonyango - Ukuba uchitha iindleko zakho zonyango ezingagqithwanga yinshurensi yakho yezempilo, i-Obamacare iya kukuhlawula imali. Unokukrazula kuphela iindleko ezingaphezu kweepesenti ezili-10 zomvuzo wakho, ukusuka kuma-7.5 ekhulwini.
Ndisebenzisa i-Akhawunti ye-Flexible Health Savings - Unokugcina kuphela i-$ 2,500 ngaphambi kokuhlawula irhafu. Izidakamizwa ezingaphezulu kwee-counter ayifanelekanga iindleko zonyango zeFSA. Ukuba awusebenzisi iifom zeFSA zeendleko zonyango, isohlwayo serhafu sanda ukuya kuma-20 ekhulwini.
Ndingumnikazi weShishini elincinci - Ukuba unabasebenzi abangama-25 okanye ngaphantsi, ufumana ityala yerhafu engama-35 e-inshurensi oyinikezelayo.
Abo banabasebenzi abangama-50 okanye ngaphantsi bangasebenzisa utshintshiselwano ukuze bafumane i-inshorensi ephantsi.
Abo banabasebenzi abangama-50 okanye ngaphezulu kufuneka banikeze i-inshorensi yempilo efikelelekayo ebonelela ngexabiso elincinci okanye ukuhlawula irhafu ye-$ 2,000 ngomsebenzi ngamnye, kubasebenzi bonke ngaphandle kwabasebenzi bokuqala abangama-30. Ukuba umsebenzi ufumana isicwangciso esiphantsi kweendleko ekutshintshisweni, unokuhlawulwa irhafu. Eqala ngoJanuwari 2015.
Amashishini anikezela i-inshurensi yempilo kubafundi abasemakhaya abaneminyaka engama-55-64 abanokufumana uncedo lwezemali. Nazi ezinye izixhobo zokunceda amashishini amancinci ahambelane ne-Obamacare.
Ndiyilungu leNgqungquthela okanye abasebenzi - Ufumana i-$ 4,900 (i-$ 10,000 kwiintsapho) ukuhlawula i-Obamacare.
I-Obamacare Cost Calculator
Unako ukuqikelela iindleko ze-Obamacare kunye nale Bhamacare Cost Calculator kwi-Kaiser Foundation. Ngaphezulu, funda incwadi yam Ultimate Obamacare Handbook (2015 - 2016) .
Ngakumbi kwi-Obamacare
Iindleko Zinyaniso ze-Obamacare kwiSizwe Iinkonzo kunye neNgcaciso | Yintoni ephosakeleyo nge-Obamacare? | I-Obamacare ichazwe - Ilula ngokulula ukuyichazela abantwana bakho | Ufanele ufumane i-Obamacare | Iimali ze-Obamacare | Kuya kuthinta njani na? | Kuqala nini? | Ingaba isebenza kanjani? | Inyaniso NgoBamacacare