Yiyiphi i-Obamacare Health Exchanges Yiyo, kwaye Yintoni omele uyenze ngoku
Ungasoloko usebenzisa iitshintshi ukuthelekisa izicwangciso.
Unokufumana kwakhona ukuba unelungelo lokufumana inkxaso-mali okanye irhafu. Ngaphezulu, jonga nini i-Obamacare iqala nini?
Ukuba awunayo i-inshurensi kwiinyanga ezilisithoba kunyaka ngamnye, kufuneka uhlawule irhafu ye-Obamacare . Khangela ukuba ufanelekile ukukhutshwa kwerhafu .
Uphi utshintsho lwe-inshurensi yezempilo?
Ukutshintshiselwa kwezempilo kumashishini apho unokukhetha uhlobo lwe-inshorensi ehambelana neemfuno zakho. Zingaqhutywa ngurhulumente okanye kwiSebe lezeMpilo kunye neNkonzo zoLuntu. Ipalamente yakho yombuso yenza eso sigqibo. Ama-exchange exchange-run-run aphethwe iingxaki ekuqaleni. Kodwa ezo ngxaki ziye zazinziswa, kwaye ziqhuba ngoku ngoku ngoku.
Ukutshintshisana kukubonelela ngoluhlu lwemibuzo elula ukukulandela ukukunceda ukwazi ukuba yintoni isicwangciso esilungileyo kuwe. Bachaza nemigaqo yomshuwalense, ngoko uyazi kakuhle oko ufumanayo. Baya kubuza imibuzo emangalisa ekuqaleni, kodwa oko kuqinisekiswa kuphela.
Akufani nakakhulu xa ugcwalisa ulwazi ngemboleko. Nanku apho ukutyelela utshintshi kwimeko yakho.
Ukutshintshana kuya kunika izicwangciso kwiindidi ezine ezahlukeneyo: Ibhondi, iSiliva, iGold nePlatinum. Ezi zigaba zivumela ukuba uqhathanise izicwangciso kunye neefayili zeefayili ezahlukeneyo, ama-deductibles kunye nemida yokuhlawula yonyaka evela kwiinkampani ezahlukeneyo.
Ngaphezulu, jonga Ndingakhetha njani Ininshurensi?
Inzuzo enkulu enkulu yokutshintshiselana kukuba kukunceda ukuba ufumane izaphulelo zempilo kunye neenzuzo. Ngokomzekelo, unokuba uvumelekile ukunyusa iMedicaid xa uhlala kwelinye lamazwe athathe le nzuzo.
Ukuba ufumana imali engaphezulu kweli, kodwa ngaphantsi kwama-46,000 $ ngamnye umntu unokufumana iitalenti zerhafu ukukunceda ukuhlawula iifizi zenyanga. Ungakwazi kwakhona ukuhlawulwa kweepayipi okanye ukuncitshiswa, kuxhomekeke kwingeniso yakho kunye nesicwangciso owukhethayo. Qaphela ukuba iimfuno zemivuzo ethile zichongiwe ngokuthelekisa yakho ingeniso kumgangatho wehlwempu wonyaka. Ukufumana iinkcukacha, funda iSishwankathelo soKhuselo lweMonde kunye noMthetho woNonophelo ojongene noThathaka . (Umthombo: "Iyintoni indawo yeeNtsholongwane yeMarike yaseMpilo?" HealthCare.gov.)
Izibonelelo zezeMpilo ezibalulekile
Zonke izicwangciso ze-inshurensi ezinikezelwa ngurhwebo kufuneka zibandakanye ezi zilandelayo ezilishumi zempilo eziyimfuneko :
- Iinkonzo zamagumbi eziphuthumayo kunye nokulaliswa esibhedlele.
- Unonophelo lwangaphandle, kuquka ukutyelela nokuhamba kakuhle, kunye nokuphathwa kwezifo ezingapheliyo. Uhambo lokunyamekela ukhuseleko alukho i-copay.
- Uvavanyo lweebhanki.
- Ukunakekelwa kweMaternity, usana olutsha kunye nolwabantwana.
- Unyango lwempilo yengqondo nokuziphatha.
- Iziyobisi.
- Iinkonzo kunye nezixhobo zokunceda abantu abanokulimala, ukukhubazeka, okanye izimo ezingapheliyo.
Yintoni Okufanele Uyenze Ngoku?
Unokuqhathanisa izicwangciso zokutshintshiselana, kwaye usebenzise lonke indawo ukuze uthole iimpendulo ezininzi eziphendulwayo. Fumana indlela yokufumana i-Obamacare .
Ukuba usunayo i-inshorensi, unokuyigcina. Oku kuquka isicwangciso ngasinye ozizithengileyo, isicwangciso somqeshi (kubandakanywa neCOBRA), isicwangciso somhlala-phantsi, i-Medicare, i-Medicaid, i-CHIP, i-TRICARE kunye nezinye iinkqubo zokunakekelwa kwempilo yezilwanyana, kunye ne-Peace Corps izicwangciso zokuzithandela.
Nangona kunjalo, unokufuna ukufumana isicwangciso esingcono. Ngokomzekelo, ukuba isicwangciso sakho sasingaphambi komhla ka-Matshi 23, 2010, "sazala." Oko kuthetha ukuba akudingeki ukubonelela zonke izibonelelo ezibalulekileyo. Unokufuna ukuwuguqula isicwangciso esitsha kwishintsho. Fumana oku ngakumbi kwiSicwangciso seMpilo se-Grandfathered. Ukuba uthanda isicwangciso onayo, unokuyigcina.
Abanikazi bamashishini abancinane banokuqala ukuphanda izicwangciso ngoku.
Uyabona ukuba ufanelekile ukufumana izikhredithi zerhafu apha. Awunayo ukubonelela ngomshuwalense ukuba unabasebenzi abangaphantsi kwama-50.
Ukuba unabasebenzi abangama-50 okanye ngaphezulu, kuya kufuneka unike inkxaso yomshuwalense okanye ujongane nesohlwayo. Fumana oku ngakumbi malunga neli shishini kwi- Amashishini awunayo ukubonelela nge-inshurensi kuze kube ngu-2015 . Ngokukodwa, uya kuthotyelwa isohlwayo nokuba ngaba omnye umsebenzi ufumana isicwangciso esincinane seendleko ekutshintshisweni. Fumana iinkcukacha kwi-What Worker Shared Responsibility? Ngoko ke, kunengqiqo ukuba uqhelane nokutshintshiselwa ngoku, kwaye kunye nezicwangciso ezinikezwa ngoNovemba 1. Nayikuphi ukuza kujwayelana ne-SHOP Marketplace indawo.
Khangela yonke into ongayenza ngoku ngoku Ndingayilungisa Njani?
Ukuba ufuna inshorensi ngoku, unako ukusebenzisa iitshintshi ukukhangela icebo labucala. Ngaphezulu, yiya kwi-Healthcare.gov.
Olungakumbi kwi-Obamacare
- I-Obamacare Isebenza Kanjani?
- Ndiya kuthatha ixesha elingakanani?
- Okuhle nokubi
- Inyaniso NgoBamacacare
- I-Obamacare Isishwankathelo - Indlela Okukuchaphazela ngayo
- Ulungiso lwezeMpilo kwixesha elifanelekileyo
- Iindleko Zinyaniso kwiSizwe
- Ukuphindaphinda i-Obamacare?
- Yintoni ekhoyo kwi-ACA ngokwayo?
- Kutheni Ukuguqula Inkathalo yeMpilo
- Ingxelo ye-CBO
- I-Campaign ye-Care Care ye-Obama
Ukufumana isicatshulwa-nyathelo-sinyathelo sokufumana i-inshurensi kwiintlobo zokutshintshana, funda incwadi yam Ultimate Obamacare Handbook (2015 - 2016) .