Nzira yehutano Inishuwarenzi Inoshanda

Nei America Inotenderera Pamusoro Pehutano Hwokuchengetedza Utano

Inishuwarenzi yehutano yakanyanya kuoma, uye vanhu vazhinji vakavhiringidzika uye vatsamwiswa nehutano. Heino tsanangudzo yehutano inshuwarisi, uye kuti yakave sei iyo inotakura motokari yekutakura kwehutano muAmerica.

Chinangwa Chaicho cheUtano Inishuwarenzi

Sezvo inshuwarhu yehutano ndiyo yekutakura motokari yehutano hwehutano hweUnited States, vanhu havana kukanganwa chinangwa chayo chinangwa. Zvakangoita inshuwarisi yemotokari yako, imba kana imba.

Zvinofanirwa kuchengetedza hupenyu hwako hwekuchengetedza kubva pamari inoparadza yematambudziko makuru, chirwere chemhosva kana chirwere chisingaperi.

Asi, kusiyana nemamwe inshuwalisi, inshuwarisi yehutano inoita kuti zvive nyore kuti uwane hutano hwakadaro apo iwe uchida. Kana iwe usina motokari yemotokari , iwe unogona kutora bhazi kusvikira iwe uchikwanisa kuwana motokari yako yakagadzirirwa. Kana iwe ukavhuna gumbo rako, haugone kuzvipfumisa iwe pachako kusvikira iwe uchichengeta zvakakwana kuenda kuna chiremba.

Utano yveshuwarisi makambani anopa zvakawanda zvezvisarudzo. Asi izvozvo zvinosarudza kusarudza chirongwa chakaoma. Iwe unofanirwa kupfurikidza nekubatanidzwa kwakasiyana-siyana kwezvakabhadharwa, zvikwereti, coinsurance uye premiums.

Kusarudza Utano Inishuwarenzi Zvakaoma Zvikuru

Utano yveshuwarisi makambani anopa zvakawanda zvezvisarudzo. Asi usati wasarudza hurongwa, unofanirwa kupota kuburikidza nemakwikwi akasiyana-siyana ekuderedzwa, zvikwereti, coinsurance uye premiums.

1. Purogiramu yemwedzi. Kufanana nemotokari yemotokari kana yeimba, iwe unobhadhara izvi kunyange kana iwe usati wamboita kudai. Izvo zvinopa kukwira kwemari kuitira kuti makambani einishuwarenzi anokwanisa kubhadhara mari yavo zuva nezuva.

1. The deductible . Ndizvo zvaunobhadhara pamberi pekambani yeinishuwarenzi inopa dime. Deductibles inogona kubva kune imwe neimwe kubva pamadhora mazana mashanu pagore (kazhinji inowanikwa chete kubva kumakambani-anotsigirwa zvirongwa) kune $ 10 000 pagore kana kupfuura. Izvo gore negore, izvo zvinoreva kuti iwe unotanga kusvika musi waJanuary 1 wegore negore.
2. Mari yekubhadhara imwe neimwe. Chimwe chepa copay iri $ 20 kuti chiremba ashanyire, $ 50 kuitira kushanya kuchipatara uye $ 10 kusvika $ 40 pamutemo mumwe nomumwe. Iwe unobhadhara zana muzana zvekushanyira kusvikira ductible inosangana.

1. Coinsurance . Icho chikamu chaunobhadhara pamitemo, sekuvhiya, kana kugara muchipatara. Kana chiremba wako achikushanyira muchipatara, iwe unogona kubhadhara chikwereti chekushanyira uye kubhadhara mari yekuchengetedza.

Sei makambani einishuwarenzi anotenga zvigadziriswa, copays, uye coinsurance? Vanoda kukuchengetedza kubva kumhanyira kuna chiremba kune imwe nyota. Vakanga vari kunetseka kuti, kana kuchengetwa kwehutano kwaive kwemazana zana muhurukuro, mari yavo yaizozara. Inotengeswa Care Care Act yakati izvi zvinodarika zve-pocket zvisingakwanisi kudarika mari yakawanda ye $ 6 600 kuvanhu, kana $ 13,200 yemhuri. Mushure mezvo, kambani ye inshuwarisi inobhadhara 100 muzana.

Zvose izvi zvinosarudza kusarudza inshurensi yehutano yakaoma zvikuru. Iwe unofanirwa kunge uri mukana-muiti pahutano hwako pachako.

Somuenzaniso, iwe unogona kunge uchida kubhadhara mari yepamusoro yepamwedzi yepamwedzi yepassiniti yepassurance uye / kana kubviswa. Izvozvo zvingava zvinonzwisisika kana iwe une chirwere chisingaperi, sechirwere cheshuga, uye unoziva iwe uchave uri kuzoona chiremba kazhinji.

Kune rumwe rutivi, vanhu vanowanzove vane utano vangave vanoda kuti purogiramu yakaderera ioneke uye yakaderedza zvakanyanya . Vanoda kutora mukana wekubhadhara zvimwe zvehutano nokuti vanotenda kuti mukana muduku.

Kazhinji, iyo yakaderera inodonhedzwa, inowedzera premium, co-pay kana co-inshuwarisi. Sezvo mari yekuchengetwa kwehutano yakakura, vanhu vakawanda vakasarudza zvirongwa zvepamusoro-ductible kuti vachengetedze mari yadzo yemwedzi yepamwedzi inotengwa. Obamacare haana kukwanisa kugadzirisa izvi zvisiri izvo zvehutano inshuwarheni.

Chikonzero nei America inotenderera kune hutano Inishuwarenzi yekubhadhara kurapa

Inishuwarenzi yehutano inodikanwa kuAmerica kubhadhara mari yakakwirira yehutano . Pasina iyo, hupenyu hwako hwose huripo hunogona kuparadzwa ne $ 300,000 mushonga wezvokurapa. Kutaura zvazviri, mari yekuchengetedza utano ndiyo Nhamba 1 inokonzera kushungurudzwa.

Hondo Yenyika II isati yasvika, hapana munhu aive ne inshuwarisi, uye avo vakaita chete vakavharwa pamutengo weimba yechipatara nebhodhi. Mushure meHondo, hurumende yehurumende yakagadzira mubhadharo kuti udzivise kutengesa kwenyika.

Asi izvi zvaireva kuti makambani aisakwanisa kumutsa kuti vawane vashandi vakanakisisa. Pane kudaro, vakapa zvikomborero kusanganisira inshuwarheni yehutano.

Muna 1954, IRS yakaita mari yemishonga yehutano yehutano isingabhadharwi. Izvo zvakaita kuti imwe yeruzhinji yehutano inshuwarisi iwedzere kukosha kudarika dhora remari inotengesa. Iyi kubhadhara mutero inongowedzera kudarika kweUnited States ne $ 250 mabhiriyoni pagore. Kunyange zvakadaro, vezvematongerwe enyika havakwanisi kudzorerwa zvakare kana vachiratidza kubvisa iyi inozivikanwa nepamutemo wekupera.

Izvo zvinonyanya kukosha nokuti iyi kubhadhara mutero kwakafanana nekupa inshuwarisi yehurumende yehurumende yepamusoro-kati makirasi uye vapfumi. Ita Tax Policy Centre inofungidzira kuti muwandu kubatsirwa kwehutano hwehutano inshupfumi yekutambisa yaiva ye $ 281 yeimba mune 15 muzana mutero bhati. Asi iyo inobhadhara $ 374 kune avo vari 25 muzana mutero bracket.

Zvimwe Zvimwe Zvokurapa Inishuwarenzi

Nyika dzakawanda dzakagamuchira hutano hwepasi pose . Ndiyo iyo hurumende inobhadhara kutarisira utano, sezvinobhadhara dzidzo nekudzivirira. Zvakafanana nekuwedzera Medicare kana Medicaid kune vose. Apo vaFrance kana veGermany vachienda kunechiremba kana chipatara, hurumende inotora chikamu chikuru kana kuti yese yebhadharo. Izvo zvinotyisa ndezvokuti zvinotora nguva yakareba kuti uone nyanzvi kana kugamuchira basa risina basa. Kune rumwe rutivi, hapana munhu anofunganya nezvekufa nechirwere nokuti havagone kurapwa. Asi apo Hillarycare akaedza kuita sangano rehutano muAmerica, vashandi vezvokurapa nekambani yehutano inshuwarhu vakakunda. Obamacare pakutanga yakaratidzwa sehutano hwehutano. Asi makambani einishuwarenzi akaichinja iyo imwechete iyo yakavimba nezvishandiso zvavo.

Imwe nzira inoshandiswa kune inshuwarhu yehutano ishu-kubhadhara Kana vanhu vachibhadhara ivo pachavo, vanogona kutengesa pamutengo kuti vawane zvakanakisisa kubata. Izvozvo zvingaderedza mari yekuchengetedza utano zvakakwana. Vangagona kutora zvikwereti kumitengo inodhura, sezvinoita motokari kana imba. Vaizotora zvakanaka zviri nani hutano hwavo kudzivisa zvirwere zvinodzivirirwa sechirwere cheshuga. Kune rimwe divi, rinogona kusimbisa vanhu vane mari shoma kuti vasarudze pakati pezvokudya nemishonga. Kuwana kuhutano hwehutano kwakava chikamu chemaAmerica Dream nhasi .

Mukuderera : Zvimwe uye Zvinowanikwa neOmbamacare | Chii Chakaitika kuTrumpcare? | Iro Utano Hwekugadzirisa Kuchinja Kunogadzirisa Utano Hwenhema Kunyengera | Chokwadi Pamusoro peBamacacare | Ko ACA Inowedzera kuDhaka Rwenyika Yose here?

Kuti uwane nhanho-nhanho nhungamiro pakusarudza inshuwarheni yakanaka kwauri, ona bhuku rangu "The Ultimate Obamacare Handbook."