Kunyange zvazvo pane zvingasarudzwa zvingawanikwa, nokuongorora zvakanyatsoona zvaunosarudza uye kuona zvaungakodzera, unogona kuwana bhizimusi iri nani pane imwe yeizvi pane imwe.
Chinokosha chekuwana kutarisirwa kwehutano kwakaderera kutora nguva yekutenga kune imwe chirongwa chakanaka, icho chinogona kugumbura.
Heino nhamba yezvikamu 11 zvinowanzoonekwa nevanhu kuti vawane inshuwarheni yehutano yakaderera kana iwe usingashandisi, uwane mari shoma, uite maawa mashomanana kana nguva imwe chete.
11 Kusarudza Kuti Uwane Indashuwarenzi yehutano yehutano Husina Jobho kana kuti mari shoma
Zvizhinji zvezvirongwa izvi zvine kodzero yekufanirwa, asi kuverenga kuburikidza nemutauro kuchakubatsira kunzwisisa kuti zvingasarudzwa zvipi. Kana iwe uchinzwa sokuti iwe unogona kupiwa Medicare kana Medicaid, unogonawo kutaura neHurumende Health Insurance Assitance Program kuti uite kuti iwe unzwisise zviri nani zviri nani.
1. Kufungidzirwa: Vanhu Vakawanda Iye Zvino Vakakodzera, Tarisa MuUshuwarenzi Utano
Kubvira paRinotengeswa Care Care Act, nhamba yevanhu vakakodzera kugamuchira Medicaid yakawedzera zvinoshamisa, asi vamwe vanhu vangave vasingazivi. Kana iwe usingakwanisi kuwana ruzivo kuburikidza nemumwe wako, kana mhuri, zvino ita nechokwadi kuti unoziva nezvekuchinja kuMedicaid kune nyika yako.
Vanhu vaitevera avo vakanga vasati vakafukidzwa zvino vanogona kuvharwa pasi pemutemo mutsva: ani naani anorarama pasi peurombo hunoita zvino anokwanisa, kusanganisira vanhu vakuru vasina vana. Kunewo zvimwe zvakasiyana-siyana, vamwe vavo vanobvumira kuwana mari pamusoro pehurombo hwekukodzera. Medicaid kuwedzera kune munhu mumwe nomumwe wehurumende iwe unogona kutaura nehurumende yehurumende inshuwarisi commissioner kuti uwane zvakananga.
Iko kunewo rubatsiro uye kuverenga kwakasiyana-siyana kunogona kukuita iwe kukodzera kunyange iwe uchifunga kuti hausi.
2. High Deductible Health Plans
Kuwana hurongwa hwehutano hwakakosha huri nzira yakanakisisa yekuchengetedza hurongwa hwehutano hwehutano husingadhuri . Kana ukabatanidzwa neHSA unogona kuwana nzira dzekuchengeta mari pamitero yako, nekuchengetedza mari kwenguva yakareba. kuwana zvakawanda pamusoro pezvakanaka uye sarudzo shure kwezvirongwa zvehutano hwakakosha uye kuva neHSA pano .
3. Kubatanidza Mutemo Wekubhadharwa Kwemari Yakawanda ( COBRA )
Kana iwe usingashandisi, wakaita kuti basa rako remaawa rive, kana iwe kana kuti wakarambidzwa, unogona kukodzera kupfuurira yako (yapfuura) yehutano inshuwarisi yevashandi kuburikidza neCOBRA.
Kune vadzidzi vanoenda kuyejiji, iwewo unogona kukwanisa kuramba uri muhutano hwevabereki vako hwehutano neCOBRA.
Iyi ndiyo nzira yakanaka yevanhu vanogona kunge vakarasikirwa nebasa uye vachiri kurapwa.
Kana iwe uchizoenda pane imwe hurongwa hwehushuwarisi seurongwa huri pfupi (rava zvizhinji pamusoro peizvi pasi apa), marapirwo ako emazuva ano haafaniri kukodzera pasi peurongwa hwehutano hwehutano hwehutano.
CHENYENZO: Izvi zvingasava iyo inonyanya kukosha yveshuwarhu yehutano sarudzo. Ikokutanga inogona kunge iri yakakwirira uye iwe unogona kukwanisa kuwana imwe sarudzo yekutanga.
Zvakanakisisa kuunganidza zvose zvehutano hwehutano uhu hutsva uye sarudza hutano hwehutano hwehutano hwemamiriro ako.
Mienzaniso yekufanirwa kweCOBRA inogona kusanganisira kurasikirwa nekuzvidira kana kusazvipira kwebasa, kuva nemaawa ako akacheka, kana iwe uri kuchinja pakati pemabasa, rufu kana zvimwe zviitiko mumhuri mamiriro ezvinhu sekurambana.
4. Kupa Kwevashandi
Vanhu vazhinji havazivi kuti vangave vakafukidzwa pasi pehurongwa hweHurumende hweVanoshanda . Kana iwe uri kurapwa nokuda kwekukuvadzwa kwebasa chero kupi zvako, wako waunoshandira anofanira kukupa iwe kurapwa pasi pehurongwa hweVashandi 'Kupa Mubayiro.
5. Medicare
Medicare inopiwa nehurumende uye inotungamirirwa neSocial Security Administration. Kana iwe uri nemakore makumi matanhatu nemashanu kana kupfuura iwe unogona kukodzera Medicare. Iwe unogonawo kukodzera kana iwe uri pasi pemakore makumi matanhatu nemashanu uye uchiwana rubatsiro rwekuchengetedzwa kweSocial Security kana kuti une zvimwe zvirwere.
6. Health Insurance Marketplace
Iko kusingakwanisi Kuchengetedza Mutemo kwakashandura mikana iyo vanhu vane mamiriro ezvinhu akambovapo avepo. Purogiramu yemusika inobata kurapwa kwemamiriro ekurapa asati avapo, maererano neHealthCareGov.org:
- Hapana chirongwa cheinishuwarenzi chinogona kukuramba, chinokubhadhara zvakawanda, kana kukaramba kubhadhara hutano hunokosha hwehutano hwemamiriro ezvinhu akambovapo.
7. MuInishuwarenzi Yehutano Yehutano
Iwe unogona kuwana zvinyorwa kubva kumakambani ehutano ehutano hwehutano uye utenge munhu mumwechete kana mhuri yehutano inshuwarisi nenzira imwe chete iwe waizoita neimba kana motokari yveshuwarisi Zvirongwa izvi zvinoshanda zvakafanana nezvinoitwa neanoshandira vashandi vavo .
8. MuInishuwarenzi Yemazuva Ekupedzisira Muhutano
Nguva shomanana yehutano inshuwalhu yekuparidzira inoratidziro yehutano hwehutano inshuwarisi iyo iyo inongopa kugoverwa kwenguva shoma shoma. Vanhu vanoda nguva yekuongororwa ivo vehutano hwehutano hwavo hwehutano uye hwemhuri asi vachiri kuda kunge vakavharwa dzimwe nguva dzimwe sarudzo iyi.
Zvinetso neMishonga Yenguva Yfupi Youtano Inishuwarenzi
- Hurukuro dzenguva pfupi yemishonga inshuwarano zvirongwa hazviiti zvinodiwa neAACA
- Hazviwanzofukidza hutano husati hwavapo huripo
- Havana kuwana zvinodiwa zvekuvhara zvishoma zvakakosha kugoverwa kweAACA
- Zvirongwa zvehutano zvenguva pfupi hazvizovandudzi, mushure memashoko acho, iwe unofanira kubvunza zvakare kuti upiwezve.
- Zvirongwa zvehutano zvenguva pfupi hazvibvumiri kuti muwane rubatsiro kana mari yemitero seAACA zvirongwa zvinoita.
Zvirongwa zvenguva pfupi yehutano yveshuwarisi zvinonzwisiswa sechigadzirisho chenguva pfupi kana usingakwanisi kuwana mamwe makuru ekuchengetwa kwehutano kana kuti asingadi hutano hwehutano hwakanyanya. Pese pazvinenge zvichibvira zviri nani kuwana chirongwa chenguva refu chinosangana nemitemo yeAAC kuitira kuti usatarise kufunganya nezvekuwana mhinduro dzenguva pfupi.
9. Bhokisi reInishuwarenzi Kubva muhutano Uhu
Izvi zvinowanzoregererwa chitubu chemishonga yehutano inodhura kana inodhura. Vamwe vanhu mitezo yemasangano chaiwo anopa utano hwehutano inshumo. Semuenzaniso, vanhu vari nhengo dzeYunivhesiti yeAlumni Associations vanogona kuwana zvakasiyana-siyana zvekusarudzwa kweinishuwarenzi. Kunyange zvazvo masangano aya asingabatsiri kubhadhara mari yemishonga yemishuwarenzi yehutano sezvinoitwa nomushandirwi, mari yacho inenge ichinge yakaderera pamusana pekutora boka. Ratidza kuti masangano iwe uri nhengo yei uye ona kana vakapa inshuwarisi yehutano yeboka . Unogonawo kutsvakurudza masangano anopa inshuwarisi yehutano yeboka uye anobatana nemapoka aya, kana kunyange kubvunza masangano aripo iwe uri nhengo yekupa boka rehutano hwehutano. Vangave vasingazivi kuti vanogona kupa chirongwa kune nhengo dzavo. Zvimwe »
10. Gwaro Rezvemishonga yeZvipatano Kugoverana Hurongwa / Utano Hwekugoverana Ushumiri (HCSM)
Utano hwehutano huri kuronga hurongwa hausi inshuwarisi asi hunogona kuva sarudzo kana iwe ukwanisa kuwana boka rinoremekedzwa rakabudirira kuita izvi kwenguva yakareba. Ihutano hwehutano huri kuronga hurongwa apo boka revanhu rinoshandisa mari yavo pamwe chete uye kuripa mumwe nomumwe 'mararamiro ezvehutano zvinowanzozvidzivirira kuzvipira kana kushanda savo "kambani yveshuwarenzi". Mipiro inounganidza pamwechete uye inowanzotengeswa kuitira kuti kuwedzerwa kufarira kune mari yakasungirirwa. Inoshanda zvakanaka apo vatori vechikamu vari kungoshandisa mari iyo yekushandisa mari huru. Basa rekugovera utano hwehutano (HCSM) apo boka revanhu vanobatana zvakafanana uye vanotenda zvakatendeseka vanofunga kugadzira mari yehutano kugoverana chirongwa. HCSM isangano risina purogiramu uye kwete kambani yveshuwarisi. Zvakakosha kucherechedza kuti zvirongwa izvi zvingave nezvipingamupinyi zvausingawanzozviwana muurongwa hwekambani yveshuwarisi, zvakadai sekudziviswa pamitemo iyo boka rinowana tsika dzisingabvumirwi. Kune mapoka ezvitendero anoshandisa muenzaniso uyu kubudirira. Mienzaniso yezvikwata zvemapoka ekugoverana zvirongwa zvehutano ndeye Medi-Share, uye Samariya Ministries pakati pevamwe. Zvimwe »
11. Utano Hwepahutano Mahara Cards
utano hwehutano huri kutengesa makadhi anobvumira mutungamiri kuti abatsirwe kubva kutaurirana nezvehutengo husingabatsiri hutano. Iyi haisi chirongwa chehushuwarisi, asi inofanirwa kuongorora kana wakanyatsotsvaga zvimwe zvose, kusanganisira Obamacare uye nzvimbo yekutengeserana yehutano. Nehutano inshuwarheni discount discount, iwe unobhadhara mari shomanana pamwedzi wehutano kuitira kuti paunoenda kwachiremba kana chipatara iwe uwane mukana wekutsvaga pamabasa ako. Nokuti haisi chirongwa che inshuwarisi, iwe unopedzisa kubhadhara mari yako yose yekurapa, asi iwe unogona kuwana kutora. Kana ukasarudza sarudzo iyi iwe unofanirwa kushanda mukuwana inshuwalano yehutano munguva yemberi. Zvimwe »