Affordable Care Act Plans Kurega Kurambwa Kwezvakaitika Preexisting Conditions
Hezvino zvinhu zvishanu zvaunofanira kuziva pamusoro pekuti Affordable Care Act uye sei kushandiswa kwehutano hwehutano hwehutano huchachinja hutano hwako husati hwasvika makore makumi matanhatu nemasere ehutano hwehutano.
1. Utano Hutsva Inofanira Kupiwa Kuvose
Kutanga musi waJanuary 1, 2014, inshuwarano yehutano inofanira kupiwa kune vose, pasinei nemamiriro ekurapa asati atovapo. Sezvakataurwa naMichael Kitces mubhuku rinonzi Coming Health Health Exchanges Ichange Yakanganisa Sei Kushanda Nekusarudzira Kusarudzwa,
"Zvino, avo vanoda kumira kushanda vanogona kuita izvi uye vanovimbiswa nehutano inshuwarheni yekuvhara iyo inotengwa zvakadzama zvakafanana neyevakatova nayo pavanenge vachishanda (kunyange zvazvo mapiamisi angaramba achikwira nezera), neicho chaiyo chekuwanikwa kwezvipo uye hapana kunetseka nezvekukanganisa kwemamiriro ezvinhu akambovapo kana kuti hutano huchauya huripo. "
Iwe uchave wakakodzera nokuti kugoverwa kunogamuchirwa uye mapiamisi anogona kungogadziriswa chete nezvinhu izvi zvina:
- Zera rako
- Nhamba yevanhu vari mumhuri yenyu
- Kusvuta fodya
- Kugadziriswa kwenharaunda yako
Chirwere cheshuga, mamiriro emwoyo, kenza? Nope, havakwanise kukutungamirira, havagoni kuvhara kugoverwa kwemamiriro aya, uye havagone kuwedzera mubayiro wako nekuda kwemamiriro akambovapo. Izvi ndezvemashoko makuru kune vanhu vakawanda avo vachiri kushanda nokuti vanofanirwa kuitira kuchengetedza utano hwehutano inshuwarheni.
2. Health Exchange Premium Inotengeswa
Nhamba dzepakutanga dzinoratidzira mari yemishandisirwo yemishonga yehutano yehutano yehutano inenge ichitsvaga kupfuura iyo yakaitwa nevashambadzi vemakore mashomanana apfuura ingave yakakutungamirira kuti utende.
Munyaya iyi yeForbes ndinopa chikwereti kuna Rick Ungar kuti ataure kuti "Zvichinyatsojeka kuti ndaive zvisina kururama." Ari kureva zvinoshamisa zvisingabhadharwi zvitsva zvehutano kushandiswa premium zvakabudiswa neCalifornia.
Mariro inokasiyana nekugara uye rudzi rwerongwa raunosarudza. Iwe unogona kusarudza zvirongwa nechezasi kana kudarika zvakanyanya. Kuti uverenge huwandu hwehuwandu hwemari yako yegore uwedzere mapurozimisi ako emwedzi yegore pamwe nehuwandu hwemahombekombe huwandu. Mugore rine utano husina kunaka hungazova iwe unopedzisa kubhadhara. Mugore risina hutano hwekudya iwe unogona kungobhadhara miriyamisi yemwedzi.
3. Kunyoresa Kunotanga Kuitika Kwegore Negore
Vhura kutumirwa kunotangira kugwa kwega. Zvisinei, kana iwe uchingorasikirwa nemushandi wako wehutano kuvharidzira mukati megore iwe unogona kunge wakakodzerwa nenguva yekunyora inokosha.
Hezvino izvo zvaunoda kuita.
- Shanyira healthcare.gov.
- Kana uri kutarisa pakati pemakore ekuparidzirwa iwe uchaona chisarudzo chokutora kuti uone kana iwe uchikwanisa kuwana nguva yekunyora yakakosha.
- Kana iwe uchida kutarisa mutengo, tora denderedzwa rakatenderera rinotenderera rinoti "Ona zvirongwa uye mutengo." Izvi zvichaita kuti iwe uwane kuongororwa kwemari asati usvika kuburikidza nekushanda kwakazara kwekushanda.
Unofanira kutengesa kunyange kana iwe uchitova nekuvhara? Ehe. Sezvo ichi chikwata cheP Kiplinger Health Insurance Exchanges Gear Up for Action, inoti,
"Vashandi nevatambi vepakutanga vakangobhadhara zvikwangwani zvevaranda vanogona kuzvitengera ivo pachavo pakugoverana."
Iwe hauzive zvingasarudzwa zvaungawana kusvikira watarisa.
4. Mutero Wemitero Inoshanda Kana Iwe Uchienda Usina Kuvimbiswa
Pachava nemhosva yemitero yekusatenga inshuwarisi yehutano. Inotanga pa $ 95 pamunhu mumwechete kana 1 muzana yemari yemari, chero ipi zvayo yakakura.
Vatsoropodzi vakanyunyuta kuti chirango hachina kukwana zvakakwana. Vanoti inodhura kubhadhara chikwereti kupfuura kutenga inshuwarisi.
Izvozvo zvingava zvechokwadi, asi handitendi kuti vanhu vazhinji vanoda chaizvo kuenda vasina kuvimbiswa. Panzvimbo pokubhadhara chirango, zvingava zviri nani kushandisa mari iyo kuendeswa kune inishuwarenzi inokosha inogona kukuchengetedza mari uye ichaita kuti unzwe wakachengeteka.
5. Mitero yeMitero Inopiwa Kuda Kuwana Mhuri
Iko kune chikwereti chemutero kana rubatsiro runowanikwa kune avo vasingakwanisi kutenga mishonga yemishuwarenzi yehutano. Iyi chikwereti chemitero ichawanikwa kune vasinales uye mhuri dzine Modified Adjusted Gross Income (MAGI) pasi pe400% yeurombo rutsva. Muna 2015, uri pasi pe400% muurombo hwunoshaya kana MAGI yako iri pasi pe $ 46,680 nokuda kwemasles uye $ 95,400 yemhuri yevana.
Nekuronga kwakarongwa kwemitero, vamwe vakasiya basa vangave vakakwanisa kuchengeta MAGI yavo pasi zvakakwana kuti vakwanise kuwana zvikwereti kwemakore mashomanana vasati vauya kusvika Medicare age .
Mukuwedzera kune zvikwereti zvemitero, nyika dzakawanda dzichave dzichiwedzera mapurogiramu awo aMedare iyo inobata vanhu vanopfuura pasi 65 nemari yekuwana kana kana pasi pe 138% yehurombo huwandu (anenge $ 21,983 muna 2015 kumhuri yeviri).
Pasi pepamusoro : Pamusana pekutsvaga kwehutano inshuwarhu yekushushikana kusarudzwa kwekusarura zvishoma zvakangobatsiririra vazhinji veAmerica. Kana iwe uri pedyo nemashanu, Medicare ichava chirongwa chako chikuru chehutano uye hutsva hutsanana huchava nehuwandu hwehutano pamusana wako 65 zvisarudzo.