Paunoita sarudzo yekuenda usina inshuwalisi yezvehutano iwe unoda kuva wakagadzirira kutarisana nemigumisiro. Zvirongwa kana zvirongwa zvisina kurongwa zvezvehutano zvinogona kutengesa mari yakawanda. Kana iwe usina inshuwarisi iwe une mhosva yekubhadhara chikamu chezana chemari. Kana iwe usingakwanisi kutenga inshuwalhu yehutano, iwe uchada kutora nzira yakarongeka yekuita nemishonga yako yezvechiremba. Nekuwedzera kwemari yehutano hwehutano, vanhu vazhinji vanoona zvakaoma kupa mari yekuchengetwa kwehutano kunyange ne inshuwarisi. Zvakakosha kuva nehuwandu hwekuti zvikwereti zvezvechiremba zvinogona kutungamirira kubhadhara. Kana iwe usina inshuwarisi kuedza kuronga hurongwa kuburikidza neAne Affordable Care Act uye unyore nekukurumidza.
01 Shandisa Madhodho, Uchikurumidza Kuita, uye Zvipatara
Zvipatara zvakasiyana uye vanachiremba vanobhadhara mari dzakasiyana dzekushanyira. Danai uye muwane mari yepamusana yekusangana musati mava kurwara, saka munoziva kuti ndeipi inonyanya kudhura. Semuenzaniso, imwe nzvimbo yekuchengetedza inokurumidza inokwereta $ 65 chete yekugadzirira, izvo zvishoma kudarika zvimwe zvinokurumidza kunetseka uye zvishoma pane izvo vanachiremba vakawanda vanokwererera kushanya nguva dzose. Zvipatara zvinokwana mitengo yakasiyana-siyana nenzira. Kana iwe usati wasungirwa pasi kunetaneti, saka zvakakosha kuita call kusati wagora kuitira kuti iwe uzive kwaungaenda kuti uchengetedze mari. 02 Kumbira Kuti Dzatsigire Mitengo kana Kuti Ubhadze Mberi
Mahofisi akawanda echiremba achakubhadhara chidimbu chakaderera kana iwe usina inshuwarisi, asi iwe unoda kukumbira kubhadhara. Kune mamwe mabasa, chipatara uye chiremba angakupa mukana wakaderera kana uchibhadhara kare. Semuenzaniso, unogona kuchengetedza mari kana iwe uchibhadhara kuberekwa kwevana nguva pfupi, pane kubhadhara pashure. Iyi sarudzo inogona kuwanika pakuongororwa kwezvokurapa kana mamwe mavhivhi anosarudzwa, pamwe chete. Kunyangwe izvi zvisingabatsiri mune zvekukurumidzira, zvinogona kukuchengetedza mari yakawanda pamitemo yako yezvechiremba. 03 Call and Pay in Cash
Kana ukangowana bhadharo yezvipatara iwe unofanira kunge wakadana uye unotanga chirongwa chokubhadhara. Kazhinji chipatara chichapa mubhadharo wakaderera kana uchikwanisa kubhadhara mari iyo yakakwana pakarepo. Kana uine mari iripo iwe unofanira kuita izvi, zvisinei iwe unofanira kuisa chirongwa chokubhadhara pakarepo. Usamirira kudana uye kutaura pamusoro pemitemo yekubhadhara, nokuti chipatara kana hofisi yechiremba inogona kukutumira kusangano rinounganidza mumazuva mashoma makumi mapfumbamwe. Zvakaoma zvikuru kutaurirana nemitemo nesangano rekuunganidza. 04 Ponesa Pamishonga
Kumbira chiremba wako zviyero zvakasununguka paanokupa chiremba. Vanowanzova nematoni emhando dzesarudzo dzinowanikwa kupa varwere. Uyezve, unogona kukumbira mishonga yemagetsi pesafarisi uye kubva kuchiremba wako, izvo zvinodhura zvishoma kuti zvizadze. Iwe unogonawo kukodzera kubatsirwa nehurongwa hwekubatsira chirongwa. Makambani ekushandisa zvinodhaka anogona kukubatsira kuwana mishonga pamutengo unogona kuwana. Tenderera kune imwe pharmacy inovapa mari shoma. Walmart ine urongwa wemishonga yavanopa nokuda kwe $ 4 chete. Tora urongwa newe apo iwe uchienda kwachiremba kuti uone kana imwe yemishonga yakanyorwa yakashanda mumamiriro ako ezvinhu. 05 Isa Gwaro Rekuchengetedza Kuvhara Kwemari
Kana ukasarudza kusava nehutano inshuwarheni iwe unoda kuisa mari pamwedzi wega wega kuti uvhare mari yako yekurapa. Edza kuchengetedza mari inodarika $ 100 pamwedzi kuti uvhare mari yezvikwereti zvechiremba nemishonga. Zvisinei, kana iwe uchinge uchingorwara zvakanyanya pasina inshuwarisi, unogona kukamanikidzwa kupinda mukuzivisa kubhadhara. Mukuwedzera, kana ukasarudza kuenda kunze kwehutano inshuwarisi , iwe uchasangana nemari yakawedzerwa pasi peAne Affordable Care Act. Iwe uchada kuisa pamari mari yekuvhara iyo mari. Imari ichawanikwa kana iwe uchibhadhara mitero yako gore negore. Uyezve, mubhadharo munhu mumwe nomumwe mumhuri yako. 06 Funga Kuwana Inishuwarenzi
Pamusana pekufunga funga kuwana dhiyosi yehutano inobhadharwa neheta yehutano yekuchengetedza. Iyi inshuwarenzi ndiyo inoda mari yakashata, uye ichakudzivirira kana iwe uchida chirwere chekukurumidzira kana kurwara zvikuru. Iwe unofanirwa kubhadhara zvose zvako zvekutora kunze kwehomwe kusvikira uchinge wawana deductible yako, asi ipapo zvese zvezvikwereti zvekurapa zvichabhadhara zvakakwana kwegore rose. Nhoroondo yekuchengetedza utano inokubvumira kuita michero yekushandisa kune yako yakabviswa uye iwe haungabhadharwi kune chero ipi zvayo inowanikwa. Mari iri munhoroondo ino ine rollover gore negore, izvo zvinoita kuti zvive nyore kuchengetedza kwenguva refu. Inishuwarenzi yehutano chinhu chimwe chaunoda. Iko inofanirwa kuonekwa seyakakosha nokuti inokudzivirira kubva pamitemo yezvechiremba uye inokubvumira kutsvaga kurapwa paunenge uchida, iyo inogona kudzivirira matambudziko maduku kuti asapinda muzvinhu zvakakomba.