UMthetho we-Obamacare: Isishwankathelo seTyitile ezili-10

10 Utshintsho oluthusayo kuMthetho woNonophelo olunganakunceda

Igama elisemthethweni le-Bill of Obamacare ngumThetho woKhuseleko weMonde kunye noMthetho woNonophelo olungabonakaliyo (uMthetho kaRhulumente 111-148). Kwaba ngumthetho ngoMatshi 23, 2010, xa uMongameli Obama wasayina. Abantu abaninzi banengcamango ebalulekileyo yento eyenziwa ngu- Obamacare . Kodwa kukho iindawo ezininzi zebhili-mali ezingaziwayo. Ekubeni lo Mthetho unyanisekileyo njengoMthetho woKhuseleko loLuntu , yinto efanelekileyo yokufumana oko kukukho.

UMthetho unamaqumrhu ama-10 okanye iziqendu. UNobhala wezeMpilo kunye neNkonzo zoLuntu usebenzise zonke iiTyiti ngaphandle kweeTyiti VIII kunye ne-IX. UNobhala weSebe lezeNondyebo usebenzise ezo zinto.

Isihloko I. Umgangatho, Ukunakekelwa kweMpilo kwi-All Health

Ngo-2014, Isihloko ndifuna ukuba izigidi ezingama-32 ukuya kwii-50 zezigidi ezingama-Amerika ezingabancedi ukuthenga i-inshorensi okanye ukuhlawula irhafu. Imfuno ayisebenzisi kubafuduki abangekho mthethweni kuba abanakufumana i-Obamacare.

Urhulumente useka uphuhliso lwe-inshurensi yezempilo ukwenzela ukuba wonke umntu alinganise izicwangciso zempilo. Amazwe athathe inkxaso-mali yezemali ukuseka ukutshintshiselana. Abanye bathatha i-exchange exchange run by government federal. Ukutshintshisana kunceda abantu ukuba bafumane ukuba bafanelekile kwi-Medicaid okanye kwiirhafu zerhafu. Isihloko Ndiyalela iCongress ukusebenzisa i-exchange.

Amashishini anama-50 okanye ngaphezulu abasebenzi mababonelele nge-inshorensi yempilo . Ukuba akunjalo, bahlawula irhafu yentlawulo ye-$ 2,000 ngamnye ngomsebenzi ngaphandle kwabasebenzi bokuqala abangama-30.

Naliphi iqela elinabasebenzi abangaphantsi kwe-100 abangasebenzisa ukutshintshiselana. Iinkampani ezinabasebenzi abangama-25 okanye ngaphantsi ezibonelela nge-inshorensi ziyakwazi ukufumana umvuzo werhafu ngamaphesenti ama-50. Amashishini anika i-inshurensi yempilo kuma-55-64 angama-retrains angama-retrait angakwazi ukufumana inkxaso yoncedo.

Isihloko ndifuna iinkampani ze-inshorensi ukuba zinike izikhuselo ezilandelayo kunye nezibonelelo ezongezelelweyo.

• Abazali banokongeza abantwana ukuya kuma-26 kwizicwangciso zabo.
• Iinkampani zomshuwalense azikwazi ukulahla abantu ukuba zigula. Kwakhona abanakukwazi ukubeka ilitye kwi-covertimetime coverage.
• Akunakukhanyela ukufihlakeleyo kwalabo abaneemeko zangaphambili .
• Kumele bahlasele iipesenti ezingama-100 zempilo kunye nokuhlolwa kokukhulelwa.
• Iinkampani kufuneka zichithe ubuncinane iipesenti ezingama-80 zeeprayimari kwiinkonzo zonyango, okanye isaphulelo sokubuyisela kubo bonke abanini-mithetho. Kumele bangenise ukulungiswa kwemilinganiselo yokunyuka kwamazwe ukuba bavunyelwe.

Isishwankathelo se-Obamacare sichaza ngakumbi malunga neSihloko esikuchaphazela ngayo.

Isihloko II. Indima yeeNkqubo zikaRhulumente

Ngo-2014, uMthetho wandisa i-Medicaid coverage kumntu ongenayo imali engaphantsi kwama-138 ekhulwini kwinqanaba lehlwempu . Kwakhona kwavumela amazwe ukuba agubungele abantu abadala abangenayo imali engenabantwana. Urhulumente wephondo uza kuhlawula ipesenti ezingama-100 kude kube ngowama-2017, kwaye amazwe aya kufuneka afakwe kwiiphesenti ezili-10 zeendleko zeprogram emva koko. Iintetho ezintlanu sele zisebenzise inxaxheba kwiprogram yokuqhubela phambili, yongeza iintsapho ezingama-500 000 kwiMedicaid.

Lo Mthetho ugcina iNkqubo ye-Intshumo yezempilo yabantwana. Ngomhla ka-Oktobha 1, 2015, kwaphakamisa izinga elilinganayo le-federal ukuya kuma-93 ekhulwini. Yanikezela ngezigidi ezingama-40 kwizigidi zemali ukuze kukhuthazwe ukubhaliswa kwe-Medicaid ne-CHIP.

Isihloko III. Ukuphucula uMgangatho kunye nokuSebenza koKhathalelo lweMpilo

Lo Mthetho uvale ikhefu kwimigqaliselo yokusetyenziswa kweziyobisi, eyaziwa ngokuba ngumgodi wecala, kwi- Medicare Part D. Ngo-2010, abadala bafumana i-$ 250. Ngo-2011, bafumana isaphulelo sama-50 epesenti kwiidakamizwa zamagama egunyaziso kunye neephesenti ezi-7 kwiziyobisi eziqhelekileyo. Ngomnyaka we-2020, iyakususa umgodi wecala. Lo Mthetho uphinde unikeze impilo kunye nokunyamekela ukunyamekela abo bakwi-Medicare mahhala.

Isihloko IV. Ukuthintela izifo ezingapheliyo kunye nokuPhucula iMpilo kaRhulumente

UMthetho usungula iNqande kaZwelonke, ukuPhakanyiswa kwezeMpilo kunye neBhunga lezeMpilo likaRhulumente. Injongo yalo jikelele kukuxhasa ukunakekelwa kwezempilo . Udokotela oPhezulu ugqithise iBhunga. Yenziwe ngamatye e-17 arhente ye-Federal. ISicwangciso seSizwe sokuQinisekisa siqulunqa imizamo yezempilo yezemfundo malunga neendawo eziphambili eziphambili:

1. Ukuhlala ngaphandle kogwayi.
2. Ukuthintela ukusetyenziswa kakubi kweziyobisi kunye nokusetyenziswa ngokweqile kotywala.
3. Ukutya okunempilo.
4. Ukuphila okusebenzayo.
5. Ukulimala nokungabikho kobundlobongela.
6. Impilo yokuzala kunye nesondo.
7. Impilo yengqondo nengqondo.

Isihloko V. Imisebenzi yokuNakekelwa kweMpilo

Lo Mthetho uhlawula imali yokubhalwa kwemali kunye neengxowa-mboleko zokwandisa inani lamagqirha enyango lokuqala, oongikazi, abancedisi bezonyango, ababoneleli bezempilo, kunye nabazinyo bamazinyo. Injongo yalo yayikuphinda kabini inani lezigulane eziphathwe ngeminyaka emihlanu.

Isihloko VI. Ukungaqiniseki kunye neNkqubo yokuthembeka

Lo Mthetho udinga oogqirha ukuba baxelele nayiphi na inzala yemali abanayo nenkampani yokucinga, njl njl, kwaye banike uluhlu lwabanikezeli benkonzo abongezelelweyo kwizigulane. Ifuna abacwangcisi bezonyango, iinkampani zonyango, njl njl, ukubonakalisa amalungiselelo emali abanalo noogqirha. Amashishini alawula isahlulo semithi yesigqirha se-Medicare okanye ukutshintshana kombuso kufuneka ukuba babike nayiphi na imvume yokufumana imali evela kwiinkampani zonyango.

Isihloko VI sinikeza uqeqesho kwaye sidinga ukuhlolwa kwangemuva kwabasebenzi basekhaya abahlengikazi ukunciphisa ukusetyenziswa kakubi komdala.

Isihloko sidibanisa ukukhwabanisa ngokuchonga ababoneleli bezingozi eziphezulu kunye nokubathintela ekumiseni kwelinye ilizwe. Inika ubuchule bokuvavanya ukulungiswa komthetho ukuphucula ukhuseleko lomguli, ukukhuthaza ukulungiswa kakuhle kweengxabano kunye nokuphucula ukufikelela kwi-inshorensi yemfanelo.

Isihloko VII. Ukuphucula ukufikelela kwiiNyango zoNyango

UMthetho unikeza izaphulelo zeziyobisi kwizibhedlele ezisebenzela izigulane ezingenayo imali. Kwakhona kudinga intengo yokuncintisana yamachiza kunye nemithi yonyango.

Isihloko VIII. IiNkonzo zoNcedo zoLuntu kunye noMthetho wokuNcedisa

UMthetho we-CLASS wavumela amaMerika ayenayo okanye abe ngumngeni weempilo ukuba afumane i-$ 50 yokuhlawula imihla ngemihla ukuze abekwe ekuncedeni ubomi. Bamele bahlawule iiprayimari iminyaka emihlanu, kwaye basebenze iminyaka emithathu kule minyaka. Isixa sibhekele ukunakekelwa kwezempilo ekhaya, ukunakekelwa kwentsuku yabantu abadala kunye nezinye iinkonzo ukubenza bahlale emakhaya abo. Kwakhona waya kwiindawo zokuhlala ezincedisayo, amakhaya angamahlengikazi kunye namakhaya eqela. Kwakuxhaswa ngemali. Kuye kuncitshisa ukulahleka kweeRandi ezingama-70.2 yezigidi ngaphezu kweminyaka elishumi. Kuya kubavumela abantu ukuba baqhubeke besebenza baze bahlale emakhaya asebehlengikazi kunye nesibhedlele.

Yangena ukusebenza ngoJanuwari 1, 2011, kodwa ngo-Oktobha 1 yayinqunywe ukuba ingabi nakwazi. Ayinakukwazi ukukhuphisana namacandelo ecandelo labucala elinikezela ngeenzuzo ezingcono.

Isihloko IX. Izibonelelo zeNgeniso

UMthetho uphakamisa iintlawulo ze-Medicare kwi-2.35 yepesenti kwimali engaphezulu kwama-200,000 amawaka abantu okanye i-$ 250,000 nganye intsapho. Baya kuhlawula i-3.8 ekhulwini Iirhafu ze-Medicare kwi-lesser dividends, i- revenue earnings , irenti, kunye neerhafu okanye ingeniso ngaphezu kwemida echazwe. Iirhafu ze-Obamacare ziza kunceda ukunciphisa uhlahlo lwabiwo-mali nge $ 143bhiliyoni ngaphezu kweminyaka yokuqala eyi-10.

Isihloko X. Ukugunyazwa ngokusemthethweni koMthetho woPhuculo loLondolozo lwezeMpilo waseNdiya

Ngaloo ndlela uphucula iinkonzo zonyango kwi-1.9 yezigidi zabantu baseMerika. Isetyenziswe ngokubonisana neNkonzo yezeMpilo yaseNdiya.

Funda ibhajethi epheleleyo ye-Obamacare kwi-HealthCare.gov.

Ekujuleni: I-Obamacare isebenza njani? | Iinkonzo kunye neNgcaciso | Iinyaniso Ngokuphathelele U-Obamacare | I-Obamacare ichazwe | Iindleko Zinyaniso kwiSizwe | I-Obamacare Timeline | Kutheni Kuthatyathwa Impilo Kufuneka Uhlaziywe

Ukufumana okungakumbi malunga nendlela i-ACA eyadalwa ngayo, khangela incwadi yam Ultimate Obamacare Handbook (2015 - 2016) .