Ronga mberi. utano hwehutano inshumo mukurasira kunogona kuve yakadhura
Dzidza nezveboka rako rehutano hwekubvisa mari
Chinhu chekutanga chekuita ndechekudzidza zvose nezvehutano hwehutano hwehutano hwehutano uye mararamiro avanoita pakurega basa.
Iwe unayo here sarudzo yekuenderera mberi neurongwa hweboka rako? Wakamboshanda ikoko kwemakore akakwana here, kana kuti wakasvika kune imwe nguva yawakapiwa mune dzimwe hutano huripo inshuwarano? Enda kumasangano uye uverenge mabhuku ose ayo waunoshandira anopa painishuwarenzi yehutano mukurega basa. Kana iwe waunoshandira asingabvumiri chirongwa chekubatsira kune hutano, iwe uchakodzera here kugara paurongwa huri pasi peCOBRA? Kana zvakadaro, tsvaga kuti inguva yakareba sei, uye yakawanda sei.
Ongorora zvaunosarudza
Kana iwe uri kusununguka musati wava nemakore makumi matanhatu nemashanu, nhau dzakanaka iwe haugoni kurambwa kuparidzirwa kwemamiriro ezvinhu akambovapo nekuda kweAne Affordable Care Act, iyo yakatanga kushanda munaJanuary 2014. Zvisinei, "Inotengeswa" chikamu che Affordable Care Act hauna kuuya, saka kunyange zvazvo iwe unogona kuwana ruzivo, iwe unogona kubhadhara $ 1 000 pamwedzi kana kupfuura kana iwe uri pakati pemakore 55 ne64. Tarump inogona kuchinja mararamiro ehutano, asi kukwanisa kugoverana pasinei nepakutanga -mamiriro ezvinhu aripo anokwanisa kugara.
Kana uri kuronga pamusoro pokusiya mari isati yasvika 65, icho chinhu chakanaka.
Paunenge uine makore makumi matanhatu nemashanu, vazhinji venyu muchava vanofanirwa neMurengeti, asi iwe uchave uine zvisarudzo zvokuita. Semuenzaniso, unogona kutsvaga mushonga weMedare kana chirongwa cheMederal Advantage Plan. Chimwe nechimwe chine zvinobudirira uye zvakashata. Nyaya yakanyatsojeka yaunogona kuwana ndeyeMedare.gov, asi pashure pokudzidza zvose zvaunokwanisa iwe uchiri kungoda rubatsiro rwemhizha mukuita sarudzo yakakosha, izvo zvinoreva kutaurirana kune mumiririri.
Paunenge uchitsvaga zvisarudzo, iva nechokwadi chokuti iwe unovaka muzvikwereti zvekuchengetwa kwehutano mumari yako yekusarura. Unofanira kuronga mari yakawanda sei? Izvo zvinoenderana neinishuwarenzi yako. Paavhareji, uronga kushandisa $ 10 000 pagore nemunhu wese yezvose zvinosanganisira premiums, mazino, kunze kwemari, nezvimwewo.
Taura nemushandi akabatwa nevatakuri vakawanda
Chisarudzo chako chakanaka chichava kutaura nehutano wehutano inshuwarani uyo anobvumirana nehutano hukuru hwehutano munzvimbo yako. Kunyanya, tsvaka sangano renhuwarhu yehutano yehutano inonyanya kukosha yehutano inshuwarheni mukurasira; vanogona kutarisa zvakakwana zvamunosarudza kuburikidza nekukubvunzai nezvevako varipo vanachiremba uye mishonga uye vobva vakuudzai zvirongwa zvichange zvipa mari yakawanda-inobatsira zvichienderana nehutano hwako.
Imwe nzira yekupa mazano ndeyokutaura neAllsup's Medicare Advisor team. Imwe nzira ndeyokutora State yako State Health Insurance Assistance Program (SHIP), iyo ichava nevanozvipira vanogona kubatsira.
Dzokorora chirongwa chekusarudza gore negore
Zvingave uri kupfuura kana pasi pemakore makumi matanhatu nemashanu, kana wawana inshuwarano yehutano mukurasira iwe unofanirwa kuve wakashanda pamusoro pekuiongorora kuburikidza nekuita rongororo rwegore negore rezvaunogona kuparidzira panguva yekunyora kuzarurirwa kwega rimwe nerimwe.
Batsiro uye mari zvinoshanduka, uye zvinogoneka hurongwa hutsva hunogona kukupa kugovera zviri nani pamutengo wakaderera; iwe haugoni kuziva kunze kwekuti iwe unotarisa. Kamwe zvakare, iwe unoda kutaura neine mujeri uyo anobvumiranwa nevatakuri vakuru vose kuwana chinangwa chekuongorora.