Tsanangudzo: Imwe Nyanzvi yeInishuwarenzi ndeye nguva yekambani yeinishuwarenzi ichabvumira kuti premium yeruzhinji inogamuchirwe ichiri kuchengetedza inshuwarisi yako inoshandiswa Iyo nguva yenyasha inotsanangurwa muinishuwarenzi yako yechuwarisi ichajekesa mamiriro ezvinhu anoratidza kuti sei kudai inobhadharwa kana nguva yenyasha isati yasangana kana isati yasangana. Nguva dzenyasha dzakasiyana zvichienderana nerudzi rweinishuwarenzi uye kambani ye inshuwarisi
Haasi makambani ose einishuwarenzi ane nguva dzakanaka. Kana iwe usingabhadhari yako premium inshuwarisi purogiramu mukati menyasha kana nguva yakatarwa, hurongwa hwako uye kugoverwa kunogona kubviswa kana iwe unogona kuva nemhosva yekubhadhara. Inishuwarenzi nyasha nguva dzimwe nguva dzinopesana ne " inshuwarisi yekumirira nguva ", zvisinei izvi hazvisi zvakafanana. Dzidza zvakawanda pamusoro penguva yemainshuwarisi nguva uye kuti inoshanda sei mumienzaniso inotevera.
Inguva Yakadii Inishuwarenzi Nyasha Nguva?
Iyo nguva yenyasha yunishuwarenzi inogona kusiyanasiyana nekambani yveshuwarisi kune kambani ye inshuwarisi uyewo nehurumende Kana pane nguva yenyasha, zvino zvichienderana neinishuwarenzi, nguva yenyasha inogona kunge yakaita semaawa makumi maviri nemaviri kana kwenguva yakareba semazuva makumi matatu. Inishuwarenzi yehutano, sezvinotsanangurwa mumuenzaniso uri pasi apa, inogona kusvika kune rimwe zuva remazuva makumi mapfumbamwe (90) nyasha dzinobva pane dzimwe nzira pasi pe Affordable Health Care Act .
Chii Chine Inshuwarisi Nyaya yeGurisi?
Iyo nguva yenyasha yunishuwarenzi inopa vanhu mukana wakakwana wokubhadhara mari yemishandiro yveshuwarisi paanoitika kuti chimwe chinhu chisingafanoonekwi chinoitika kunze kwekutonga kwavo, sekunonoka kwemashoko kutumira cheko.
Inotsanangura mamiriro ekuti kudai kuchaita, kana kuti hazvizobhadharwi kana kubhadhara kunogamuchirwa mukati memunyasha
Inishuwarenzi Nyaya dzeNyasha dzinogona kuenderera mberi dzichienderana ne:
- rudzi rwematongerwo enyika
- inshuwariti yemvumo nemashoko ekunyora pasi
- nehurumende kana hurumende mitemo
Ndeapi Mhando Dzematambudziko Ane Inshuwalisi Grace Period?
Inishuwarenzi nyasha nguva dzinoshandiswa kune marudzi akasiyana-siyana emitemo yakadai sehutano inshuwarhu , inshuwarisi yehupenyu , kumba inshuwarisi , inshuwarisi yekodhi, uye motokari yveshuwarisi
Haasi ose makambani einishuwarenzi anosungirwa kupa chipo cheshuwarisi nguva. Unofanirwa kukumbira muimiridzi weu inshuwarisi kuti akuudze iwe kana iwe uchiita.
Pane Chekubhadhara Kubhadhara MuInishuwarenzi Grace Period?
Ikoko kunogona kunge kana kusava chirango, kana mari yekuwedzera pakubhadhara mutero weinishuwarenzi munguva yenguva.
Ndiyo Inishuwarenzi Grace Period iyo Yakadaro muNyika Yose?
Iyo inishuwarenzi nguva yenguva mitemo yakasiyana-siyana kubva kune imwe nyika kuenda kune imwe nyika uye mamwe makambani nemitemo havana kunyange imwe. Bvunza vashandi vako nezveinishuwarenzi yenguva yenyasha yako kana kuti taura nehurumende yako inshuwarisi commissioner kuti unzwisise mitemo yakananga yemhando yako yemutemo.
Ko kana Iwe Une Dambudziko Kuonana neInishuwarenzi Grace Period Mugumo?
Sezvinoratidzwa mundima 1 iri pasi, kuchengetedza kusununguka kukurukurirana newadhiri wako kana mumiririri anogona chaizvo kubatsira. Kana iwe usingakwanisi kubhadhara mubayiro wako wakakwana, funga zvirongwa zvekubhadhara kana mabhizimusi emwedzi. Mamwe makambani emishuwarenzi anokupa mukana wekuendesa chirongwa chemwedzi wekubhadhara, naizvozvo haisi nyore chete, asi ichakuchengetedza mari nekuwedzera mamwe matsikiti. Nhanho yako yekutanga apo iwe uchitarisa dambudziko neinishuwarenzi yako yekubhadhara ndeyokudana mutungamiri wako, ivo varipo kuti vakubatsire uye vanoda kuve nechokwadi kuti vanoita zvose zvavanogona kukubatsira kuti ugare wakachengetwa.
Chii Chinoitika Kana Iwe Usingabhadhari MuInishuwarenzi Grace Period
Kana iwe usingabhadhara mukati mehupfumi yenguva nguva
- Inishuwarenzi yako inobhadhara inogona kubviswa nokuda kwekusabhadhara
- Iwe hauzovi neinishuwarenzi yekuvhara kana iwe uine kurasikirwa
Pane zvikonzero zvakawanda kambani yemishurenzi inogona kubvisa mutemo wako , asi pakati pavo, kubviswa kwekusabhadhara kunogona kuva dambudziko rechokwadi pasi pemutsara. Hazviiti iwe chete kuti urege kuiswa inshuwarisi, asi mamwe makambani einishuwarenzi angangoramba kukufukidza zvichienderana nemirayiridzo yavo yekunyora pasi kana kuti vangarega kukupa-kusunungurwa-kusununguka kusununguka pamusana pekuparara kwe inshuwarisi, kana kuti kwete kukupa zvirongwa zvekubhadhara semugumisiro.
Munyaya yemishuwarenzi yehupenyu , chenjerera kuti kana iwe ukabvumira mutemo wako kuti ukwaniswe iwe unogona kutora chirongwa chekurapa mutsva uye chiitiko chekuwana kurambidzwa kuburitswa kana kuti ubhadhe premium kana hutano hwako hwakashanduka kubvira panguva yekutanga chinangwa chepakutanga.
Iwe unoda kudzivisa kuregererwa pamatambudziko ose. Yeuka kuti inishuwarenzi yemitengo yevamwe dzimwe nguva inotora chikwereti chako pakufunga, saka urege kubhadhara zvino, inogona kukubhadhara iwe gare gare.
Nezvirongwa zvakawanda zvekubhadhara, makambani einishuwarenzi anokupa iwe unofanira kukwanisa kuwana nzira yekubhadhara munguva yenyasha yveshuwarensi nekukurukura zvingasarudzwa zvako zvekubhadhara newaini yako.
Mienzaniso yekuti Inhu Inishuwarenzi Inonzi Grace Period Inogona Kushandiswa Sei
Heano mimwe mienzaniso yezviitiko zvakasiyana apo nguva yenyasha yveshuwarenzi inouya.
Muenzaniso 1: Kuchengetedza Kukurukurirana Kwakasununguka Nomunhu Wako Achakubatsira Kuti Uve Wechokwadi Kuti Usapotsa Nyaya Nyasha
Joan akanga asingakwanisi kubhadhara motokari yemari yemishuwarisi apo yaive yakakodzera. Yakanga yakakodzera Chitatu, asi haikwanisi kuribhadhara kusvikira Chishanu. Akamudana mutariri we inshuwarisi uye akamubvunza kuti aifanira kuitei. Mutauriri weInishuwarenzi akaudza Joan kuti ane mazuva gumi nemashanu ekupa mukana wekubhadhara motokari yemubhadharo yemotokari uye hapazovi nemhosva yekuwedzera kubhadhara mutero wemishuwarisi yemotokari mukati iyo nguva yenyasha. Akatsigirawo Joan kuti motokari yake yemainishuwarenzi inotarisirwa ingoramba ichishanda chero bedzi motokari yake yehutori yemari yakagamuchirwa mukati memazuva gumi nemasere.
Muenzaniso wechipiri: Kubhadharwa kweInishuwarenzi Isingawanikwi Apo Chibvumirano Chikaitika, asi Pamusana Penguva Yenguva yekudaidzwa Kunobhadharwa
Jennifer akatenga mushandi weinishuwarenzi mutsva yake, mutariri wake akamuudza kuti mubayiro wacho waifanira kuitwa musi waJune 20. Jennifer akasarudza kubhadhara mari yake yepamusoro kuburikidza nokumutumira chiso mumisasa musi waJune 15, achitarisira kuti ichazogamuchirwa munguva. Zvinosuruvarisa, hofisi yeposesi yakatora nguva yakareba kudarika yaitarisira, uye musi waJune 22nd apo Jennifer akadana kuti ataure, mumiririri wake akamuudza kuti kubhadhara kwakanga kusina kugamuchirwa. Jennifer akatya nokuti akanga atumira mari yacho. Akanga ari mukutya asi mushandi wake akamuudza kuti arege kunetseka nekuda kwenguva yenyasha yourishuwarenzi, akava nemamwe mazuva mashanu kuti mutemo wake urege kubviswa. Nguva yenguva yemainshuwarisi yakachengetedzwa Jennifer mari yakawanda nokuti kuda kwake kwaive kwakavharwa uye cheki yake yakasvika kambani ye inshuwarisi zuva raitevera. Ndinotenda nekuda kwenyasha yveshuwarensi nguva iyo yese yakashanda. Nguva inotevera, Jennifer akasarudza kuti angadai achingobhadhara nemari yemagetsi inoshandiswa kuburikidza nebhangi rake kuti arege kushungurudzika kwekufona kwakadaro.
Muenzaniso wechitatu: Kudaidzwa Kusina Kubhadharwa Pamba Idzva Nokuti Nguva Yenyasha Haisakudzwe
Jeff naJulie vakatenga purogiramu yemusha wavo mutsva, iyi ndiyo yaive yavo inshuwarisi yokutanga yemhuri kuitira kuti vasaziva chaizvo kuti nguva yenguva yemainshuwarisi yakashanda sei. Jeff asi Julie aizobhadhara mutemo uye Julie akafunga kuti Jeff aizotarisira, chinhu chinotevera unoziva kuti nguva yenyasha yakanga yapfuura uye mutemo wacho usina kubhadharwa. Kambani yeInishuwarenzi yakavatumira tsamba uye vakaedza kuvadana, asi nokuti vakanga vari pakati nepakati vachienda kumusha wavo mutsva, vakashaya mafoni uye havana kuona mail. Usiku hwechipiri mumusha wavo mutsva, pombi inopisa inokonzera mvura kukuvadza padhoro rekutanga. Vakadana kambani yveshuwarisi chete kuti vaone kuti nguva yenyasha yakanga yapera mazuva maviri apfuura uye vakanga vasina kugoverwa. Nenguva isiri iyo yakanga isiri "kukuvara kukuru", asi yakavapa mari inopfuura $ 5,000. Zvadaro kambani ye inshuwarisi yakavarayira kuti havazogadziri imba yacho kusvikira kugadziriswa kwapera, saka vaifanira kutarisa kune imwe inshuwarisi yepamusoro yehutengene hwezvinhu nokuti yavo inotora chikwereti inoda uchapupu hwehushuwarisi kuchengetedza chikwereti. Dai vakanzwisisa kukosha kwokubhadhara munguva yenguva, izvi hazvina kumboitika.
Muenzaniso wechina: Unotengesa Health Care Act (ACA) uye Grace Periods
Kunyange zvazvo isiri yveshuwarisi yehutano inofanirwa kupa nguva yemainshuwarisi nguva, pasi peAACA, VaEssurer vanofanira kupa vashandi vehurumende vachiwana kubhadharwa kwekubhadhara kwekwereti yemari yepayimusi yezuva 90 nyasha dzenyasha kubhadhara miriyamu yavo kana vakatobhadhara chimwe chikamu. Zvisinei, kana zvikwereti zvizere zvisingabhadharwi zvakakwana nemwedzi wechitatu wenguva yenyasha, bhizinesi inogona kuvhara mutemo wakadzorerwa shure kune zuva rokupedzisira remwedzi wokutanga wenguva yenyasha.