Rakaiswa Rini Murairo?
Mutemo, unozivikanwawo seObamacare , wakasayirwa mutemo musi waMarch 3, 2010. Wakatariswa mumakore anopfuura mana. Vagari vese vaifanira kuve nehutano inshuwarisi musi waChitatu 31, 2014, kana kutarisana nebhadharo yemutero.
Munhu wese anokwanisa kusarudza nzira yekugovera. Kana vakatova neurongwa, kana kuburikidza nevanoshandira, Medicaid, Medicare, kana kuti voga, vanogona kuichengeta. Avo vaisagona kuwana inshuwarisi yehutano kune zvimwe zvingasarudzwa. Vanogona kutenga iyo kubva kuhutano hwehutano inshuwarani uye zvichida kuwana rubatsiro . Vanogona kunge vakakodzera pasi pekutungamirirwa kweMedare. Vanhu vazhinji vakawana vaikwanisa kusunungurwa . Tsvaga Kuda Kwakawanda Kwandichabhadhara Ipi?
Chinangwa
IAACA inowedzera chinangwa ndechekuderedza mari yehurumende yehurumende pamutano wehutano. Muna 2009, Medicare neMedicaid inodhura madhora 676 mabhiriyoni, kana kuti 10,4 muzana yemari. Iyi inodhura yaizopetwa ka2020, kusvika ku20 muzana yemari. Mapurogiramu ose aya chikamu chekushandisa mari inoshandiswa iyo isingagoni kuderedzwa pasina Mutemo weCongress.
Nzira chete yekuderedza kushandiswa kwemari yehutano yehurumende yaiva yekuderedza mari yekuchengetwa kwehutano rudzi. Nzira yakanakisisa yekuita iyo yakaderedza nhamba yekushanyira zvipatara.
Muna 2011, mumwe wevamwe vakuru vashanu vakashandisa imba yekukurumidzira. Ndiyo kurapa kunodhura. Ndiyo chetatu chezvese zvekutarisira utano muAmerica. Kana izvozvo zvingaderedzwa, zvino mari yekuchengetedza utano uye mari yehutano yekuchengeta mari, inodonha zvakare. Nokuda kwezvimwe, ona Health Care Costs Ndiyo # 1 Cause of Bankruptcy .
(Kubva: "Chikamu Chechokwadi," National Centre for Health Statistics, July 2014; "Chikamu Chechokwadi," National Centre for Health Statistics, February 2014.)
IAACA inotsvaga kuderedza nzvimbo yekukurumidzira inoshanyira kuburikidza nekudzivirira. Ndokusaka inoda kuti munhu wese ave ne inshuwarisi. Vachatsvaga kurapa zvirwere zvavo vasati vava dambudziko. Kutarisira kuchengetedza ndiyo nzira yakanakisisa yekuderedza rudzi rweMedicaid mari. Iyo purogiramu inochengetedza zvipatara kune zvose zvisina kubhadhara mukana wekutsvaga mukana. Hazvina mari yekubhadhara kuchengetedza kudzivirira kupfuura rwendo kuenda kuchipatara. Nokuda kwezvimwe, ona Sei Kuchengetedza Kuchengetedza Kunoita Kurapa Utano Hwakawanda muAmerica .
Mutengo
Pamakore gumi ekutanga, ACA inowedzera $ 940 mabhiriyoni kumabhadharo ehurumende . Chimwe chekudzidza neCongressal Budget Office chakati, "Affordable Care Act" ichaderedza mari yebhadharo ye $ 143 mabhiriyoni pamakore gumichete aya. Sei? Mutemo unosiya zvikwereti zve:
- Kunyorera mari kune zvipatara.
- Kuwedzerwa Mishonga yemitero pamisha yepamusoro yemari.
- Kuongorora chirango kune vashandi vasina kupa, uye vanhu vasingatori, inshurensi yekuchengetedza utano.
- Kuongorora mitero pamitambo yakasiyana-siyana yehutano.
- Kugadzirisa mberi nekugadzirisa chirongwa chepamusoro chemari chikwereti nehurongwa hwePell Grant .
Kuti ACA Yakashandura Utano Hwei
2010. Mabhizimisi maduku akawana zvikwereti zvemutero zvekukwanisa kusvika kune 35 muzana yehuwandu hwemashandiro ekubhadharwa kwemari. Izvi zvakawedzera kusvika ku50 muzana muna 2014. Kuti uwane mamwe mashoko, ona Small Business Tax Credit.
Indoor tanning services dzakaongororwa ne10 muzana yekutengesa mutero.
Purogiramu yezve-inshuwarisi inogadzirisa mari yehutano yevashandi vane makore 55-64 avo vakamanikidzwa kupinda mubasa rekurega basa .
Vashandi veMedare avo vakawira mu Medicare Part D Mishonga yeMishonga Drug "donut hole" vakawana $ 250 rebate. Vakagamuchira 50 muzana kudhura pamishonga yemishonga muzita ra2011, uye gomba rekushandisa rinobviswa muna 2020.
Vana vakabvumirwa kugara pahutano hwevabereki vavo vehutano kusvikira vasvitsa makore 26.
Zvirongwa zvepachivande zvakagadzirwa mushure mekunge 2010 zvakafanirwa kuvhara mabasa ekudzivirira pasina kubhadhara-kubhadhara, uye ivo havagoni kubhadhara.
Vashandi vakashandisa zvirongwa zvitsva vane ruzivo rwekunze kwekufambisa kana kuvharidzirwa kunorambidzwa.
Makambani eInishuwarenzi akanga asingabvumirwi kuregera kuvhara kana mumwe munhu ainyanya kurwara. Havana kukwanisa kuumba mararamiro ehupenyu hunopera. Vakanga vasingachagoni kuramba kuparidzirwa kune vana vane mamiriro ezvinhu akambovapo . Izvo zvakafanirwa kune vanhu vakuru muna 2014. Kusvikira panguva iyo, vanhu vakuru vane mamiriro ezvinhu akambovapo avo vairambidzwa kuparidzirwa kwakagamuchirwa kugona kwenguva pfupi yehutano inshuwarheni yekuvhara kusvika kushandiswa kwacho kuchigadzirwa.
2011. Mishonga yekudzivirira inonzi Medicare-yakavharwa yakasunungurwa kubva pakuderedzwa uye mari yekubhadhara yakabviswa.
Makambani eInishuwarenzi anofanirwa kuratidza kuti aipedza anenge 80 kubva muzana yebhadharo yemari yepamusoro pamabasa ekurapa, kwete pane zvinhu zvakadai sekutengeserana uye nemitemo mikuru. Vaya vasina kuita vaifanira kupiwa zvikwereti kune avo vanoita zvematongerwo enyika.
Nyika dzakabhadharwa mari kuti inoda hutano hwekambani inshuwarisi kuti ipe mvumo yezvimwe zvikwereti.
Mari yakawedzerwa kuti iwedzere nhamba yechiremba nevanamukoti, uye dzimwe nzvimbo dzehutano dzemunharaunda. Zvakakosha kuwirirana nhamba yevarwere vanokwanisa kubata mumakore mashanu anotevera.
2013. Zvinodhaka zvinodhaka zvinofanira kuva zvishoma nezana kubva muzana yemari isati yatorwa kubva kune avo vanopfuura pasi 65. Vanogadzira nevatengesi vezvipatara vanobhadhara 2.3 muzana yemari yemutero. Mari yeFedheni yakawedzerwa kuti ibvumira Medicaid kuti ipe zvipo zvekudzivirira pasina, uye kuwedzera CHIP kwemamwe makore maviri. Hurumende yeHurumende yakabhadhara mari yekubhadhara vanachiremba vanonyanya kutarisira 100 muzana yemari ye Medicare. Medicare yakatanga chirongwa chekufambisa chirwere chekukurudzira zvipatara kuita mashomanana asati aendesa kubhadhara. (Chitubu: Healthcare.gov)
Mimwe mitero yakabhadharwa pavanhu vanosvika mamiriyoni vanoita zvinodarika madhora mazana maviri nemakumi maviri, uye mamiriyoni 4 ehutano vachibatana pamwe chete avo vakaita mari inodarika madhora 250,000. Kunyanya, vakabhadhara chikamu chemashekeri maviri nezviviri (kubva pa1,45 kubva muzana) Medicare mutero pamari yepamusoro pechibvumirano, uye 3.8 muzana Mishonga yemutero pamusana pe (a) zvikwereti, mari inowanikwa , kubhadharwa uye zvikwereti (b) mari yepamusoro pechikumbaridzo . Nokuda kwezvimwe, ona Obamacare Mitero .
Mhuri muhurumende dzakawanda dzinogona kutanga kutengesa pahutano hwehutano inshuwarisi kutanga munaOctober 1, 2013. Mabhizimisi ane vashandi vanopfuura makumi mashanu akatanga munaNovember.
2014. Inishuwarenzi yehutano inotengwa kuburikidza nekutengesana kwakatanga. Kurapa kweMedicaid kwakawedzerwa kuiswa kune avo vane mari kusvika kuzana nezana kubva muhurumende yehurumende yehurombo (Ndiyo $ 31,720.50 yemhuri yevana). Zvitsva zvinotsigirwa zvakawanikwa kune avo vane mari kusvika ku400 muzana yehurombo uhu ($ 95,400 yemhuri yevana). Tsvaga zvimwe.
Vaya vasina kutenga inshuwarisi vakaongororwa mutero. Izvo zvishoma zvaive $ 95 pamunhu mukuru uye $ 47.50 pamwana, akaiswa pa $ 285 pamhuri. Yakawanda yaive ye1 muzana yemari yakawanda yakagadziriswa (AGI), yakagadzirirwa pamutengo wekutenga "bhandi" chirongwa chemishonga inshuwarano yehutano pamakwikwi.
2016. Mutero kune avo vasina kutenga inshuwalisi yakasimuka kusvika ku $ 695 pamunhu mukuru. Yaiva $ 347.50 pamwana uye akatorwa pa $ 2,085 pamhuri. Nokuda kwezvimwe, ona Obamacare Mitero .
Mabhizimisi ane 100+ vashandi vanofanira kubhadhara $ 2,000 pamushandi (kunze kwevatatu vekutanga) kana vasina kupa hutano inshuwarisi. Izvi zvinoshanda kune mabhizinesi vane vashandi ve50-99 muna 2016. Mutero unoshanda kana kunyange mumwe chete mushandi anogona kuwana zvakakosha zvakafanana nebhadharo yepamutengo yakaderera pane shanduko. (Inobva: US Treasury, Mirairo Yokupedzisira Inoshandisa Mubhizimisi Mutoro Wekugovera uye SHOP Marketplace)
Ko ACA inofanira kuwanikwa here?
Pakave nekupikiswa kwakanyanya kuAACA, panguva uye shure kwekuva mutemo. Mhosva dzaitaura kuti mutemo wekuti vagari vese vekuUnited States vanofanira kutenga inshurensi yehutano hwehutano kubva kune mumwe munhu anotakura, kana kuti kubhadhara chirango, kwakanga kusingapindi mutemo. Dare Repamusorosoro rakatonga kuti raiva rezvemitemo, pasi peChishanu 'kodzero yekupa mutero.
Imba yeVamiririri vhoti yakabvumira kuti iparadze mutemo kakawanda. Muna 2013, vakavhara hurumende uye vakatyisidzira kuti vaizoenda kune chikwereti kudai yakanga isina kubhadharwa . Pakave nekupikiswa kwakanyanya, zvechokwadi, kuti 22 muzana yeAmerica vanofunga kuti mutemo wakatove wabviswa.