Ihlawulela oku ngokubhatala abanye ababonelela ngempilo kunye neentsapho ezifumana imali ephezulu. I-Medicare isiqalile ukuhlawula oogqirha ukuba baphathe umgangatho wokunyamekela kunokuba kukho imali-yeenkonzo.
Ihlawulela yona, ngoko u- Obamacare akafaki kwisikwere sikazwelonke .
Oku kuya kunciphisa iindleko zempilo kunye nokubonelela ngononophelo lwempilo kuluntu ngokupheleleyo. Unonophelo lwempilo luyadingeka olu lungiso ngenxa yokuba lwalubiza kakhulu kubaxhasi. Kwakhona kwakudla ngokubanzi isabelo-mali se- US federal . Inkolelo evamile yokuba i-Obamacare yandisa iindleko zonyango lwempilo .
I-Obamacare inciphise ukunyuka kweendleko zonyango . Yenza oku ngeendlela ezimbini. Okokuqala, kufuna ukuba wonke umntu abe ne-inshurensi kwiinyanga ezilisithoba emva konyaka. Okwesibini, ivumela abazali ukuba bangeze abantwana babo ukuya kwiminyaka engama-26. Ngenxa yoko, abantu abaselula, abantu abanempilo bahlawula iipriyamu kodwa abasebenzisi le nkqubo. Oku kwongeza kwiinkampani ze-inshorensi yezempilo. Bangadlulisa lo lo ndolozo kumakhasimende.
I-Obamacare ihlawula ukukhutshwa kwabantu abagulayo ukusuka kwandiswa kweMedicaid. Abaninzi babo basebenzisa kuphela amagumbi okuphuthuma njengogqirha wabo oyintloko.
Ngaphantsi kwe- ACA , abanye bafumana unyango lokukhusela okokuqala ngqa. Bafumana unyango lwezifo zabo ezingapheliyo ngaphambi kokuba badinga igumbi lexakeka. Ukunciphisa iindleko kwiinkampani ze-inshorensi zempilo. Isicwangciso sokunakekelwa kwempilo yeTrump sizama ukulungiswa kwezi mpuquko.
I-Obamacare incedisa imimiselo yabasebenzi kwi-Medicare.
Abadala bayakwazi ukufumana amayeza abo, ukunciphisa inani lokuvakatyezelwa kwamagumbi okuphuthuma. Ekuhambeni kwexesha, u- Obamacare uza kukunciphisa ngokunciphisa iindleko zonyango lwezempilo.
Indlela yokuTshintshiselana kweeNtshumo zeNtshumo yeMpilo
Izicwangciso ze- inshorensi zempilo zithengiswa kwi- inshurensi yezempilo . Ukubhaliselwa kwexesha ngoNovemba 1, 2017, ngo-Disemba 15, 2017, ukwenzela ukufumana ingxelo ngo-2018. Ungasoloko usebenzisa iitshintshi ukuthelekisa izicwangciso zempilo kwaye ufumane ukuba unelungelo lokufumana izikripthi zerhafu okanye inkxaso. Ungayisebenzisa kwakhona ukuze ubone ukuba uvumelekile yini ukwandisa iMedicaid, ongayifumana naliphi ixesha lonyaka.
Intsebenziswano nganye isebenzisa inqanaba lesine:
- Dala i-akhawunti. Ikubuza imibuzo emininzi ukuze uqinisekise ubungqina bakho.
- Ukubonelela ngoKhuselo lweNtlalo kunye nolwazi lokufumana ingeniso ukuze ubone ukuba unelungelo lokufumana izikripthi zerhafu.
- Izicwangciso zokuphonononga kwiindidi ezine (iBronze, iSilivere, iGold nePlatinum). Udidi ngalunye lunamaphepha e-premium ahlukeneyo ngenyanga, ama-deductibles kunye nee-copays. Lezo ziqendu ziyingxenye yendlela inshuwalense yezempilo isebenza ngayo .
- Bhalisa kwisicwangciso.
Unomdla? Phanda ukutshintshana ngoku.
Urhulumente wephondo ulawula ukutshintshana malunga nesiqingatha selizwe. Amazwe asele ayenzile okanye adibana kunye nolawulo lukaRhulumente.
Uya kufumana xa usebenzisa. (Umthombo: "Ii-Feds ziya kuqhuba ezininzi Iintengiso," iWashington Post, ngoFebruwari 18, 2013.)
Ukutshintshiselana kukuvumela ukuba uthelekise amayeza kunye nezibhedlele. Unokuqhathanisa amakhaya angamahlengikazi, ii-arhente zempilo zasekhaya kunye neenkonzo ze-dialysis. Thelekisa ababoneleli ngoku.
Indlela i-ACA ikuchaphazela ngayo
I- ACA ithinta wonke umntu ngendlela eyahlukileyo . Kungenxa yoko abanye abantu bazuza kwiingenelo ze-Obamacare ngelixa abanye behlaselwa ngengozi .
Ungakwazi ukuskena ukuze ufumane imeko yakho. Icandelo liza kukuxelela amanyathelo alandelayo ukuba uthathe ukuqinisekisa ukuba u-Obamacare usebenza kuwe.
Unomshuwalense
Ukuba unesicwangciso sakho ngaphambi komhla wama-23 kuMatshi 2010, i-Obamacare ikuvumela ukuba uyigcine nangona ingahambisani. Oko kuthetha ukuba umgaqo-nkqubo wakho unganakho ukufumana iinzuzo ezi- 10 ezibalulekileyo . Zininzi kwezi zicwangciso "zazizalwe" kwaye zikhululekile kwi-Obamacare .
Kodwa umgaqo-nkqubo wakho unokukhishwa yinkampani yomshuwalense okanye ngumqeshi wakho. Isithembiso se-Obamacare sangempela kukuba xa ulahlekelwa isicwangciso sakho socwangciso lwezempilo, unokufumana entsha. Akukho mshwalense unokukuguqula ngenxa yempilo okanye ubudala, kwaye uya kukwazi ukufumana uncedo lwezemali ukuba uyayidinga. Ezi zizinye zeendlela ezili-14 ii-ACA zikhusela.
Ndinecebo leNkampani - Ungayigcina. Usenokuba ufuna ukuthelekisa ivenkile kwiintengiso. Ezinye iinkampani zinokuyifumana ixabiso elininzi ukuhlawula isohlwayo, ukwazi ukuba abasebenzi babo banokufumana ingqalelo kwiingxoxo. Abanye bafumanisa izicwangciso zabo abazange banikezele ngeenzuzo ezi-10 ezibalulekileyo. Enyanisweni, abasebenzi abayizigidi ezi-3 ukuya kwezi-5 bangaphinda balahlekelwe yimigaqo-nkqubo yabo ekhoyo kwesi sizathu. (Umthombo: "Iimpembelelo zoMthetho woNonophelo ojongene noNcedo kwiNtshumo-mali yaseMpilo," i-Ofisi yeBhajethi yeCongress, ngoMatshi 15, 2012.)
NdineNtshuwalense yabangasese - Ukuba isicwangciso ngasinye ozithengayo, ungayigcina. Kodwa thelekisa kwiiplani zokutshintshiselana ukuze ubone ukuba unokufumana ingxelo engcono kwixabiso eliphantsi. Unako ukufumana ilungelo lokufumana inkxaso xa uthengela umgaqo-nkqubo ekutshintshisweni.
NdineMboniselo yokuNakekelwa okanye iSicwangciso soSaphulelo samazinyo, esinye isiCwangciso seRaphutho okanye iComputer Workers - Ufuna ukuthenga i-inshurensi ngokutshintshiselana. Ezi zicwangciso azifani ne-inshorensi yezempilo. Fumana indlela yokufumana i-Obamacare .
NdineIntshumo-mngcipheko - Ungayigcina. Unokufuna ukuyithenga isicwangciso esipheleleyo sokubhalela utshintsho. Kodwa ukuba unika i-inshurensi yakho eyingozi, awuyi kubuya. Zonke iinshurensi ezithengwa emva koJanuwari 1, 2014, kufuneka zibe neenzuzo ezincinci. Intshuwalense yentlekele iya kufumaneka kuphela kwiimeko ezithile.
NdineMpilo - Unokuhlala kwi-Medicare. Ukuba unayo i-Medicare Part D, u-Obamacare unceda ukuhlawula izidakamizwa zakho zemithi xa uwela kwi "hole hole". Ngo-2020, i-ACA iya kuphelisa umgodi wecala.
Ndiyicamngca - Unokuhlala kwi-Medicaid.
Ndinomnye Umshuwalense - Unako ukugcina ezininzi izicwangciso. Ezi ziquka izicwangciso zokuthatha umhlalaphantsi, i-CHIP, i-TRICARE kunye nezinye iinkqubo zonyango lwezempilo. Ungakwazi kwakhona ukugcina izicwangciso zokuzithandela ze-Peace Corps. Bona izicwangciso zempilo ezifanelekileyo apha.
Andinayo i-Inshorensi
Ukuba awunayo i-inshorensi ubuncinane kwiinyanga ezisi-9 kulo nyaka, kuya kufuneka uhlawule ngaphezulu kwerhafu yakho yengeniso .
Andikwazi ukuchaphazeleka ngomshuwalense - Ukuba ingeniso yakho ingama-138 ekhulwini okanye ngaphantsi kwinqanaba lehlwempu , ufanelekile ukufumana iMedicaid ukuba urhulumente wakho uyavuma ukwandisa i-coverage. Ukuba urhulumente wakho akazange anikeze iMedicaid eyandisiweyo, awuyi kuhlawula irhafu. Fumana okunye malunga neMedicaid. Khangela ukuba ufanelekile yini kwiMedicaid.
Ukuba ingeniso yakho ingaphantsi kwamaphesenti angama-400 kwinqanaba lehlwempu, unokufumana ityala yerhafu kwaye mhlawumbi unokunciphisa iikhowyiti kunye neentlawulo ezidityanisiweyo. Fumana ukuba ufanelekile.
Ndingasebenzi - Ukuba unayo iCOBRA, ungayigcina. Kodwa unokufuna ukuthenga iintengiso zempilo ukuze ubone ukuba ungayifumana into engcono. Ukuba awunayo i-inshorensi, unokufumana ilungelo lokufumana iMedicaid okanye inkxaso, kuxhomekeke kwingeniso yentsapho yakho.
Andiyidingi Umshuwalense - Ukuba unempilweni, unokufumana ungabizi kakhulu ukuhlawula irhafu, kuxhomekeke kwingeniso yakho. Fumana amaziko ezempilo asekuhlaleni aphantsi kwindleko.
Andifuni Intshurensi - Umele uyihlawule irhafu, kunye nayiphi na indleko zonyango. Ukuba uhlala uphilile, kulungile. Kodwa gcinani engqondweni ukuba ukhenketho lwegumbi loxakeko lwangxamnye li-$ 1,265, ngelixa umlenze ophukileyo ungadla ngokuphindwe kabini. Unyango lwe-Cancer ungadola i-$ 30,000 (i-7,000 zamaRandi kwi-chemotherapy yedwa). Njengabanini bezindlu okanye i- inshurensi yemoto, i-inshorensi yempilo yenzelwe ukukhusela impilo yakho. Lezo zizona zizathu zezizathu zokuba kubaluleke kangakanani ukubambisana kwezempilo.
Ndiyayifuna Intshurensi ngoku - Ukutshintshisana kunokukunceda uthengise abanikezeli bonyango kunye ne-inshurensi yabucala ngoku. Awuyi kufumana inkxaso-mali okanye iikhredithi zerhafu kude kube ngumnyaka ozayo. Thelekisa izicwangciso ngoku.
Ndingumnikazi weShishini elincinci
Abaqeshwa abangama-25 okanye ngaphantsi - Usenokuba sele uvumelekile ukuba uhlawulwe irhafu yerhafu engama-35 e-inshurensi oyinikezelayo. Fumana apha.
Abasebenzi abangama-50 okanye ngaphantsi - Ungasebenzisa utshintshiselwano ukuze ufumane i-coverage engcono.
Abasebenzi abangama-50 okanye ngaphezulu - Umele unikeze i-inshurensi yempilo efikelelekayo enika ixabiso elincinci. Ngaphandle koko, uhlawula irhafu ye-$ 2,000 ngomsebenzi ngamnye (kubo bonke kodwa abasebenzi base-30 bokuqala). Ukuba umsebenzi ufumana isicwangciso esiphantsi kweendleko ekutshintshisweni, unokuhlawulwa irhafu.
Ukuba unika i-inshurensi yezempilo njengenzuzo kumaziko athatha umhlala-phantsi wama-55 ukuya kuma-64, unokufumana uncedo lwezemali. Nazi ezinye izixhobo zokunceda amashishini amancinci ahambelane ne-Obamacare. (Umthombo: "UMthetho wezeMpilo kunye nawe," Healthcare.gov.)
Ndililungu okanye abasebenzi beCongress
Kufuneka ufumane i-inshorensi yempilo ngokutshintshiselana. Itshintsha indawo ye-inshorensi yezempilo eyinikezelwe nguRhulumente ngaphambili. Uya kuqhubeka ufumana i-$ 4,900 (i-$ 10,000 kwiintsapho) ukukunceda ukuhlawula i-coverage yakho. (Umthombo: "Amalungu kuphela," I-Wall Street Journal, ngo-Agasti 8, 2013.)
Qaphela: Incwadi yombhali, i -Ultimate Obamacare Handbook, ichaza ngokucacileyo ukuba i-ACA ikuchaphazela njani.