IziCwangciso zoNonophelo loNonophelo olungabonakaliyo
Nazi izinto ezintlanu ozaziyo malunga nendlela uMncedisi wokuNakekelwa ongenakunceda ngayo kwaye indlela entsha yokutshintshana kwe-inshorensi yempilo iya kuthintela ngayo ukhetho lwakho lwe-inshorensi ye-65 ubudala.
1. Ininshurensi yempilo kufuneka ihanjiswe kubo bonke
Ukuqala ngoJanuwari 1, 2014, umshuwalense wezempilo kufuneka unikezwe kubo bonke, kungakhathaliseki ukuba ziphi na izifo zonyango ezikhoyo. Njengoko uMichael Kitces uthi kwiNgxowa-mali yokuThuthwa kweNtshumo yeNtsholongwane iya kuPhatha njani iMisebenzi yokuSebenza kunye neNqununu,
Ngoku, abo banqwenela ukuyeka ukusebenza banokwenza njalo banokuqinisekiswa kwenkxaso-mali ye-inshorensi yemali exabiso elilinganayo nento ebenayo ekusebenzeni (nangona iiprayimenti zisenokunyuka kunye nobudala), kunye nokufumaneka okufanayo kwezibonelelo kunye akukho nkxalabo yemingcele ngenxa yeemeko zangaphambili okanye iinguqulelo zezempilo ezizayo. "
Uya kulungeleka ngenxa yokuba ukunika inkxaso kuyimfuneko kwaye iiprayimenti ziyakuchukumiseka kuphela kwezi zinto ezine:
- Iminyaka yakho
- Inani labantu abentsapho yakho
- Ukusetyenziswa kotywala
- Ulungiso kwindawo yakho
Isifo sikashukela, isimo senhliziyo, umhlaza? Nope, abanakukulawula, abakwazi ukukhuphela ukukhutshwa kwezi zimo, kwaye abanako ukwandisa i-premium yakho ngenxa yeemeko zangaphambili. Ezi ziindaba ezilungileyo kubantu abaninzi abaqhubekayo basebenzayo kuba kufuneka ukuba bahlale begcina i-inshorensi yezempilo.
2. Iimali zeeNkcazo zezeMpilo zithengiswa
Izinombolo zokuqala zibonisa iintlawulo ze-inshurensi zomshuwalense zempilo ziya kuhlawuleka kunokuba izinto ezinokudlulela kwiminyaka embalwa edlulileyo zikhokelela ekukholweni.
Kulo nqaku le-Forbes ndinika isikweletu kumniki-nxaxheba uRick Ungar ngokuthi "kuyacaca ukuba ndiyiphutha." Ubhekiselele kwi-premium ye-premium ye-premium yoshishino oluthathekayo epapashwe ngummandla waseCalifornia.
Iindleko ziyahluka ngendawo kunye nohlobo lwesicwangciso ozikhethayo. Unokukhetha iiplani kunye neentlawulo eziphantsi okanye eziphezulu. Ukubala iindleko zakho ezinokubakho zonyaka ungeze iiprayimari zakho zenyanga zonyaka kunye ne-out-of-pocket ephezulu ebhaliweyo. Ngonyaka onempilo embi ebingayona nto uza kuphelisa ukuhlawula. Ngonyaka ongenakho iimfuno zononophelo lwempilo uza kuhlawula kuphela iipresimenti zenyanga.
3. Ubhaliso oluvulekileyo luqhutywa rhoqo ngonyaka
Ubhaliso oluvulekileyo luqala nganye ukuwa. Nangona kunjalo, ukuba ulahlekelwa ngumsebenzi wakho wezempilo kwiminyaka eminyaka unako ukufumana ithuba lokubhalisa okhethekileyo.
Nantsi oku kufuneka ukwenze.
- Tyelela i-healthcare.gov.
- Ukuba ukhangelelwano lweminyaka eminyaka uza kubona okukhethwa kukho ukucofa ukuze ubone ukuba uvumelekile ukuba ubhalise ixesha elizodwa.
- Ukuba ufuna ukukhangela intengo, nqakraza isangqa esiluhlaza okwesibhakabhaka esithi "Bona iiplani kunye namanani." Oku kuya kukunika uqikelelo lwemali ngaphambi kokuhamba kwinkqubo epheleleyo yesicelo.
Ngaba ufanele uthenge nangona usenayo inqaku? Ewe. Njengoko le nkcazo ye-Kiplinger yeNgxowa-mali yokuTshintshana kweeNtsholongwane yezeMpilo i-Gear Up Action, ithi
"Abasebenzi kunye nabathathe umhlala-phantsi baqala ukufumana iiplani zomqeshi ezicwangcisayo zingazithengela iifowuni zabo kwiintengiselwano."
Awazi ukuba ungakhetha ntoni uze ukhangele.
4. Isohlwayo soTywala ifaka isicelo ukuba uya ku-Uninsured
Kuza kubakho isohlwayo serhafu ngokungathengi i-inshorensi yempilo. Iqala kwi-$ 95 ngamnye okanye 1 iphesenti yengeniso yomzi, nokuba yeyiphi na enkulu.
Abagxeki baye bakhononda ukuba isohlwayo asiphezulu. Bathi akuncinci ukuhlawula isohlwayo kunokuthenga i-inshorensi.
Oku kuyinyani, kodwa andinakholwa ukuba abaninzi abantu bafuna ukungaqiniseki. Esikhundleni sokuhlawula isohlwayo kuya kuba ngcono ukusebenzisa loo mali kwi-inshorensi eyabalulekayo enokusindisa imali kwaye ngokuqinisekileyo iza kukuziva uzikhusele ngakumbi.
5. Iinkonzo zentlawulo zinikezelwa ngezindlu eziphantsi
Kukho irhafu yerhafu okanye inkxaso-mali etholakalayo kulabo abangenako ukufumana iiprimiyamu ze-inshorensi zempilo. Le ngetyala yerhafu iya kufumaneka kwiingqimba kunye neentsapho ezineNtsholongwane eYilungisiweyo yeNguqu (MAGI) engaphantsi kwe-400% yomgca wobuhlwempu. Ngo-2015, ungaphantsi kwama-400% omgca wentlupheko ukuba i-MAGI yakho ingaphantsi kwama-46,680 ayi-$ 46,680 kunye ne-$ 95,400 kwiintsapho ezine.
Ngokucwangcisa okufanelekileyo, abanye abahlala phantsi bangakwazi ukugcina i-MAGI ephantsi ngokwaneleyo ukuze bakwazi ukufumana iikhredithi kwiminyaka embalwa ngaphambi kokufikelela kwi- Medicare yobudala .
Ukongezelela kwiirhafu zerhafu, amaninzi amazwe aya kwandisa iinkqubo zabo ze-Medicare eziza kubachaphazela abantu abangaphantsi kwama-65 abanomvuzo okanye ngaphantsi kwe-138% yezinga lehlwempu (malunga ne-$ 21,983 ngo-2015 kwintsapho yabini).
Ngundoqo : Ngenxa yentsholongwane entsha ye-inshorensi yempilo yokukhetha umhlala-phantsi kwangoku kulunge ngakumbi kumaMerika amaninzi. Ukuba usondele kufuphi ne-65, i- Medicare iya kuba isicwangciso sakho sezempilo esiyintloko kunye nokutshintshana kwempilo entsha kuya kuba nefuthe elingaphambili kwizithuba zakho zokukhetha 65.