Inxalenye ebalulekileyo yalo Mthetho idinga ukuba ube ne- inshorensi yempilo ubuncinane kwiinyanga ezilisithoba kwiinyanga ezilishumi elinambini okanye phantsi kweerhafu.
Irhafu i-2.5 ekhulwini yengeniso yakho ngaphandle kokuba iimeko ezithile zisebenza. Eli gunya kwaye irhafu iya kupheliswa xa uMongameli uTrump ethatha indawo ye-Obamacare . Fumana ukuba uxolelwe kwi-Obamacare .
Igama lidalwe ngabagxeki benzame zikaMongameli Obama ukuguqula unonophelo lwempilo , kodwa yaqina. Nangona uMongameli u-Obama wathanda ngoba uthe ubonisa ukuba uyabakhathalela.
Indlela ekuchaphazela ngayo
I- inshurensi yempilo yomshuwalense ivulekile ukubhaliswa phakathi koNovemba 1, 2017, kunye neDisemba 15, 2017. Ukuba uphoswa iwindi, usenokusebenzisa ukutshintshana ukuthenga inshuwalense yangasese yangasese okanye isicelo seMedicaid. Ungayisebenzisa kwakhona ukuthelekisa izicwangciso zekamva. Ezinye iinguqu zenziwa ngamazwe kunye nezinye zikarhulumente. Hlalani nikhumbule ukuba akufanele uqhathanise i-premium yakho yenyanga, kodwa iindleko zakho zokunakekelwa kwezempilo jikelele. Oko kubandakanya i-deductible yonyaka, ipesenti ehlanganisiweyo kunye neefayili.
Uyabona nini i-Obamacare iqala?
Ukuba usunayo i-inshorensi, ungayigcina ukuba:
- Kwakukho ngaphambi komhla wama-23 Matshi 2010. Kwimeko apho, ikhulile.
- Umqeshi ugcina izicwangciso zayo. Kodwa ezininzi iinkampani zisebenzise eli thuba ukuyeka ukukhawuleza, okanye ukutshintsha indlela ababonelela ngayo.
- Inkampani yakho yomshuwalense igcina isicwangciso sakho. Uninzi luye lwacima izicwangciso ezingahambisani neemfuno ezingundoqo, njengoko zichazwe kwicandelo lokuqala elingezantsi.
Nantsi enye into ekuthiwa yi-Obamacare, yenziwe ngokwezimo zakho:
Ukuba Usube Unomshuwalense - Zonke izicwangciso ze-inshorensi mazibonelele ngeenkonzo ezili-10 eziyimfuneko zezempilo . Iinkampani ze-inshorensi yezempilo ayinakukhuphela ngaphandle abo baneemeko ezikhoyo ngaphambili . Kananjalo abakwazi ukulahla abo bagulayo. Abazali banokubeka abantwana babo kwizicwangciso zabo ukuya kuma-26 ubudala. Ukuba isicwangciso sakho saqala ngaphambi kukaMatshi 23, 2010, mhlawumbi mhlawumbi "singabantwana" kwaye akufuneki ukubonelela zonke ezi zinzuzo. Kodwa nangona unesi-inshurensi, kuya kulungela ixesha lakho ukulifanisa kwiingxoxo.
Ukuba unayo i-Medicare, "umgodi wenkxaso" i-gap ekujoliswe kuyo iza kupheliswa ngo-2020.
Ukuba Awukwazi Ukuxhamla Intshurensi - I-Medicaid yongezelwa kulabo abafumana ama-138 kwinqanaba lehlwempu . Kodwa akuwona onke amazwe akhethiweyo ukwandisa iMedicaid, nangona urhulumente wesigqeba unika inkxaso . Ukuba uhlala kwimeko apho ufanelekile kwiMediicaid, kodwa urhulumente akayi kukunika ingxelo, awuyi kuhlawulwa irhafu ukuba awukwazi ukufumana i-inshurensi.
Inqanaba lentlupheko ngokuqhelekileyo landa ngonyaka ngamnye ukuqhubeka nokunyuka kwamaxabiso. Abo bafumana imali kakhulu kwi-Medicaid baya kufumana iikhredithi zerhafu ukuba ingeniso yabo ingaphantsi kwama-400 ekhulwini kwintlupheko.
Ikhredithi iyasetyenziswa nyanga zonke, kunokuba isaphulelo sonyaka serhafu. Kukho kwakhona ukuhlaziywa kwemali kunye neengxowa-mali. Ukufumana iibhanki zentsholongwane zakutsha nje, jonga njani i-Obamacare Ingxaki yam?
Ukuba Awufumani Ininshurensi
Kufuneka ube neenkcukacha ezi-9 kwiinyanga ezilishumi elinesibini ukuphepha i- Obamacare irhafu . Ingaba iphakamileyo njengama-2.5 ekhulwini yengeniso yakho. Kukho ubuncinci kunye nama-maximum asebenzayo.
Ukutshintshana kuvulekileyo kude kube nguDisemba 15, 2017. Kukho iimeko ezikhethekileyo apha. Unako ukuhlala ubhalisela i-inshurensi yabucala okanye iMedicaid. Ungasebenzisa ukutshintshana ukuqala uphando ngezicwangciso zonyaka ozayo. Fumana indlela yokufumana i-Obamacare .
Ukuba Unokwenza okungaphezulu kwama-200,000 ngonyaka- Iimali zenyuka ngo-2013 kubantu abenza imali engaphezu kwama-200,000 ngonyaka (ii-$ 250,000 ezibini ezitshatileyo), abanye ababoneleli bezempilo, kunye namanye amashishini ahlobene nempilo.
Ukuba ungumnini-shishini- Ukuba unabasebenzi abangama-50 okanye ngaphezulu, kufuneka unike i-inshurensi ubuncinane abangama-95 ekhulwini labasebenzi bexesha elipheleleyo okanye hlawula ihlawuliso. Ukufumana okungakumbi, khangela iNgcaciso yeNkcazo yoLwazi.
Ukuba unabasebenzi abangama-50 okanye abancinci, ufanelekile ukukhangela ingcaciso engcono yomqeshwa kwi-SHOP exchange exchange. Ukufumana okungakumbi malunga nendlela uMthetho ekuchaphazela ngayo, kuxhomekeke kwinqanaba elingaphakathi kwakho, ubone ukuba i-Obamacare iyandichaphazela njani?
I-Obamacare In-Depth
- Okuhle nokubi
- Izinzuzo ze-Obamacare
- Yintoni ephosakeleyo nge-Obamacare?
- Ingaba isebenza kanjani?
- Iindleko ze-Obamacare kwiSizwe
- Kutheni i-ACA Umthombo woKhathalelo okuNqanda ukuNciphisa iindleko zezeMpilo
- I-Obamacare ichazwe - Ilula ngokulula Umntwana Wakho Uya Kuyiqonda
- Isishwankathelo
- Inyaniso NgoBamacacare
- Ulungiso lwezeMpilo kwixesha elifanelekileyo
- Kutheni Ulungelelaniso lweMpilo?
- Ingxelo ye-CBO
Ukufumana okungaphezulu kwi-Obamacare, khangela incwadi yam Ultimate Obamacare Handbook .