ISINYATHELO 1 - Fumana ukuba ufuna ukufumana i-Obamacare (nini: Ngoku)
Nabani na onokufumana i-Obamacare, kwaye unokuba ngcono, kuxhomekeke kwiimeko zakho. Ixesha lokubhalisa liphakathi koNovemba 1, 2017, kunye neDisemba 15, 2017.
Ungasebenzisa ukutshintshana ngoku ukuthelekisa izicwangciso uze ufumane ukuba uninzi lwe- subsidy oyifumanayo. Nabani na onokusebenzisa ukutshintshisiswa ukuthelekisa oogqirha beendawo, izibhedlele, amakhaya angamahlengikazi, ii-arhente zempilo zasekhaya kunye neenkonzo ze-dialysis. Thelekisa ababoneleli ngoku.
Ukuba awunayo i-inshorensi , i-Obamacare ikuchaphazela kakhulu. Ukuba ungekho yomshuwalense kulo nyaka, uza kutsalwa irhafu. Ininzi yakho, irhafu ye-Obamacare yi-2.5 ekhulwini yemali engenayo epheleleyo . I-AGI ingeniso yakho engenayo yokunciphisa imali yakho. Ngokomzekelo, ukuba i-AGI yakho i-$ 30,000, irhafu yakho yi-$ 615. Akunakufuneka uhlawule irhafu ukuba ufanelekele ukuxolelwa kwe- ACA .
Ngaba le nto ingabizi ngaphezu kwe-Obamacare? Kuxhomekeke kwinani labantu abasendlwini yakho. Ngokomzekelo, ukuba uhlala wodwa, ke irhafu yerhafu engama-300 yonyaka ingaphantsi kune-$ 200 yenyanga yokuqala. Kodwa ukuba ingeniso yakho ingaphantsi kweedola ezingama-45,000, urhulumente uya kuncedisa ezinye okanye zonke i-premium yakho.
Kwimeko apho, i-Obamacare yayingabizi. I-Healthcare.gov ikukunceda ukuba uqaphele oku.
Ukuba umvuzo wakho uphantsi ngokwaneleyo (umzekelo, ngaphantsi kwe-$ 16,104 kumntu ngamnye okanye i-$ 32,913 kwiintsapho ezine), unelungelo lokufumana i-inshurensi yamahhala ngokusebenzisa iMedicid if i-state yakho yanda. I-Healthcare.gov ikukunceda ukuba ubone ukuba ufanelekile yini kwiMedicaid.
Kwamanye amazwe, awukwazi ukwandisa iMedicaid kodwa ubuncinane awuyi kuhlawula irhafu. I-Healthcare.gov ibhala uluhlu lwaloo rhu luye lwandisa i-Medicaid coverage.
Ukuba ugqiba ukuhlawula irhafu endaweni yokufumana i-Obamacare , yilapho ufumana khona amaziko ezempilo asekuhlaleni aphantsi kwindleko. Irhafu i-2.5 ekhulwini yemali engenayo ehlaziyo. Ukongezelela, uthatha ingozi yemali ngokungafumani i- inshurensi . Ukuba uya kwindawo yokuxakeka, uhlawula malunga ne-$ 1,265 ngokwemyinge. Ukuba ufumana umhlaza, uzakujongana ne-bill ye-30,000. Ukuba ufikeleleka kalula, oko kulungele umngcipheko. Ukuba akunjalo, unokujamelana ne-bankruptcy. Enyanisweni, inani elilodwa le-bankruptcy kuleli lizwe lijongene neendleko zonyango. Le yinye yezona zizathu ezininzi zokuba kutheni ufanele ube nempilo.
Ukuba uneminyaka engaphantsi kwe-30 , unokhetho olongezelelweyo ezimbini. Okokuqala, unokwenza izicwangciso zabazali bakho kude kube ngu-26. Okwesibini, ungathenga isicwangciso esiyingozi kakhulu. Iquka ukutyelelwa kwamagumbi okuphuthuma kunye nokuhlala kwezibhedlele, kodwa kuphela ukutyelela kathathu ugqirha.
Ukuba unesi-inshorensi , unokuyigcina ingaba isicwangciso senkampani okanye owathengayo. Kuyinyaniso nokuba ngaba yintengiso yomshuwalense, isicwangciso sokuthatha umhlalaphantsi, i-COBRA okanye nayiphina isicwangciso sempilo esifanelekileyo.
Gcina ukhumbule ukuba iSicwangciso soRhumo, uLonophelo loMboniso okanye iSicwangciso seNkcazo sokuThengiswa kwamazinyo, okanye iComputer's Comp Comp does not qualify as inshurensi.
Nangona unesi-inshorensi, hamba phambili uze uyilinganise kunye nezicwangciso ze-Obamacare xa unokufumana i-coverage engcono kwixabiso eliphantsi. Kukho iindlela ezintathu ezenzekayo:
- Isicwangciso sakho "sasinomntwana." Oku kuthetha ukuba kwakukho ngaphambi koMatshi 23, 2010, ngoko ke, akufuneki ukubonelela ngeenzuzo ze-Obamacare. Ezi zibandakanya iintlawulo ezi- 10 ezibalulekileyo , ukukhuselwa ekuhlahleni xa ugula, kunye nokukwazi ukubeka abantwana bakho abadala kwicebo lakho.
- Unelungelo lokufumana inkxaso okanye ukunakekelwa kwempilo. Ukuba wenza imali engaphantsi kwama-$ 45,960 kumntu ngamnye / $ 94,200 kwiintsapho ezine, urhulumente uya kuhlawula yonke into okanye inxalenye yomshuwalense wakho.
- Inkampani yakho iwisa isicwangciso sakho se-inshorensi. I-Ofisi yeBhajethi ye-Congressional ifumene ukuba kungenzeka kubasebenzi abayizigidi ezi-3-5. Isicwangciso senkampani yakho asikwazi ukuhlangabezana nazo zonke iintlawulo ezi-100 ezifunekayo yi-ACA.
Unayo i-Medicare okanye i-Medicaid - Usuvele u-Obamacare.
Ungumnikazi weShishini elincinci - Umele unikele nge- inshorensi yempilo okanye uhlawule intlawulo.
ISINYATHELO 2 - Thelekisa iZicwangciso (Xa: Ngoku)
Ukuba uthe wagqiba ekubeni usebenzise i-Obamacare, ke uye kwindawo yokuthengisa ye-inshurensi yempilo. Uya kufakwa ukuba ungene kwilizwe lakho, kuba abanye babo baneendawo zabo zokuthengisa. Uya kudala i-akhawunti usebenzisa igama lakho nekheli le-imeyile. Uya kudala igama lomsebenzisi, iphasiwedi uze uphendule imibuzo emithathu yokhuseleko. Uya kufumana i-imeyile ukuze uqinisekise i-akhawunti yakho. Ukongezelela ekuthengiseni izicwangciso, unokufumanisa ukuba uninzi lwezibonelelo onokuzifumana. Ukwenza oko, uya kufuna inombolo yakho yoKhuseleko loLuntu, kunye ne-W2 yakho yakutshanje, 1099, okanye enye ingeniso yolwazi.
Thelekisa iiprayimari, ama-deductibles kunye ne-copays phakathi kwezicwangciso. Zonke izicwangciso ziza kunika iinkonzo kwiintlobo ezilishumi ezixhamlayo , kunye nezinye izibonelelo ze-Obamacare . Izicwangciso zihlelwe kwiindidi ezine ezahlukeneyo, zilungiswe ngumyinge wokubhengezwa. Abo banomncinci obuncinane banama-premium aphantsi. Nantsi ingaba uza kuhlawula phi iindleko zokunakekelwa kwempilo kwiiplani kwiqela ngalinye:
- Iibhondi - iipesenti ezingama-60
- Isilivere - iipesenti ezingama-30
- Igolide - iipesenti ezingama-20
- Platinum - 10 ekhulwini.
ISINYATHELO 3 - Ukuthenga iSicwangciso ofunayo (Xa: ngo-Novemba 1, 2017 -Disemba 15, 2017)
Ukuqala ngoNovemba 1, unokuthenga isicwangciso oyifunayo. Kukho izinto ezintlanu eziqikelela ukuba u-Obamacare uza kukubiza njani . Enye uhlobo lwesicwangciso. Enye emine iminyaka yakho, inzuzo, ubungakanani bentsapho, kunye nendawo.
ISINYATHELO 4 - Umxholo uqala (Xa: ngoJanuwari 1, 2018)
Kufuneka ufake intlawulo kwiintsuku eziyi-15 ngaphambi kokuba kuqwalaselwe.
Obamacare Ngokubanzi
Iinyaniso Ngokuphathelele U-Obamacare | Iinkonzo kunye neNgcaciso | I-Obamacare Isishwankathelo | I-ACA iyakuthinta njani?
Ukugcina imali kwi-Obamacare, funda yam incwadi ethi Ultimate Obamacare Handbook (2015 - 2016) .