Kutsvaga Kubatanidzwa Kwakakosha Nayo Jobho kana Chediki Mari
Nezvose izvi zvingasarudzwa uye mukana wekubhadhara mari yemari yepamusoro, kune mukana wakanaka kuti kunyange kana uine mari shoma kana wakarasikirwa nebasa rako, kune imwe nzira yako.
Maererano nedhipatimendi kubva kuUnited States Health and Human Services, yakafungidzirwa kuti hafu yevaAmerica vasina kuvimbiswa vangave vakakwanisa kunyora inshuwalhu yehutano kuburikidza neAACA marketplace, asi havana kufunga kuti vaizofanira kana vasina kutarisa mazviri, zvisinei iwe unogona kufunga, kuchine mazviri nzira dzekushandira chinyorwa che 2017 pamwe neKunyora Kunyoresa Kwepanguva.
Paunenge uchitsvaga Inishuwarenzi yehutano Inoshuwarenzi Uzive Zvaunogona
Tiri kupa runyoro rwemahofisi aunogona kuwana hutano hwehutano hwehutano hwehutano huri pasi apa, asi kana uri kutengesa inshuwarisi inodhura, unogonawo kuongorora nyaya yedu yapfuura: 10 Nzira dzekuchengetedza Utano Hwako neUshuwarenzi zvisingakwanisi, zvisinei kuti chii zvinotevera.
Tarisa Kuti Uwane Mukana Newawakaroorana Naye kana Mudzimba Womumba - Usatengesa Kaviri KweInishuwarenzi
Iwe usati watanga kuzvitsvaga iwe, kana iwe une waunofambidzana naye kana wawakaroora naye, tsvaga nezvehutano hwehutano hwehutano kutanga, makambani mazhinji ehutano yehutano yehutano uye varonga varongwa vakashandura mitemo yevashandi vehutano yehutano uye iwe unogona kukodzera.
Unogona kukwanisa kuwedzerwa nyore nyore. Unogonawo kuongorora kana iwe uchikwanisa kuwedzerwa kune chirongwa chevabereki vako kana chirongwa che inshuwarisi yevadzidzi. Kana pasina chimwe chezvinhu izvi zvichibvira, heino urongwa hwaunogona kutarisa kuti uone kana iwe unokodzera chero ipi zvayo yekusarudza.
Kutsvaga Mubhadharo Wakaderera Utano Utano:
Zvine zvakawanda zvingasarudzwa pakuzarura, kunzwisisa kusiyanisa kwemhando yehutano yehutano inshumo inokosha zvikuru, Iva nechokwadi kuti unonzwisisa mazwi ehutano inshuwarano yako kuitira kuti usapedze kushandisa mari yakawanda nekuda kwekukwira kunze kwehomwe yehupfumi, hupenyu hwemazuva ese kana kuburikidza ne coinsurance and deductibles. Zvimwe zvirongwa zvinopawo zvinobatsira kana iwe uri mumusangano nokuti iwe haufaniri kuzadza hutano hwehutano hwemafomu , uye iwe uchawana mazinga akaderera. Zvose izvi zvinokanganisa mari yakawanda yaunofanira kutarisana nayo kana kuti inotarisirwa. Ikokutanga haifaniri kuva iwe chete kuongororwa.
Peji yeUtano Inishuwarenzi Ongororo Kuti Uone Kana Usina Jobho kana Little Money
Kunyange zvazvo dzimwe nzvimbo dzekuwana inshuwarisi yehutano shoma pane urongwa hunoita sehunozivikanwa kwauri, huchipiwa nhamba yakakura yevanhu veAmerica vanokwanisa kuwana yveshurenzi yehutano huripo, asi havaregi mune chero chirongwa, munofanira kuverenga nekuzara usati waita chero zvisarudzo uye tsvaga zvose zvaunogona.
IAACA yakabvisa mitemo yakawanda yekare uye yakakwanisa kukodzera kune vanhu vakawanda vasina mari yakasarudzwa mari vasati vachinja, izvi zvinoshandisa maitiro aungatarisa pane zvingasarudzwa. Ramba uchifunga kuti iwe zvino unogona kukodzera pane chimwe chinhu chausina kufunga kuti chingaitika kare.
Zvaunosarudza kuti Uwane Pasi-Mari uye Inotendeseka Health Insurance Coverage
Mitengo yehutano yehutano ine hushushi inosanganisira:
Consolidated Omnibus Budget Reconciliation Act ( COBRA )
Kupa Kwevashandi
Vanhu Vakawanda Vachifanirwa neMedicaid, Tarisa MuIndaneti Inishuwarenzi Inosarudza
Medicare
Health Health Marketplace yeZvirongwa Zvisati Zvavapo
Nguva Yenguva Pfupi Health Insurance Coverage
Girai Inishuwarenzi kubva muHurumende Uhu
Girai Mahomwe Ezvokudya Kugovana Purogiramu
Utano Hwende Inotendesa Makadhi
Rwendo rweSvondo 10 yeUtano Inishuwarenzi Ongororo yekuona Kana Usina Jobho kana Little Money
1. Kubatanidza Mutemo Wemari Yekuyananisa Kwemari ( COBRA )
Kana iwe wakarambidzwa kana usina kushanda asi wakambotengeswa neboka rehushuwarhu hwehutano hwehutano newaimboimbova mushandirwi, iwe unogona kubvumirwa kuramba uine hutano hwehutano kuburikidza neCOBRA.
Vadzidzi vangave vakakwanisa kuramba vari muhutano hwevabereki vavo yehutano nekuda kweCOBRA. Iyi sarudzo inofadza zvikuru apo waive uchirapa kurapwa nemishonga yako yemainshuwarisi yehutano, uye unoda kuwana ruzivo ruchakubvumira kuti urambe uchirapa maitiro nokukurumidza. Izvozvi zvirongwa hazvirevi kuti zvinotengeswa, saka usati wagadzirisa chirongwa chekuti uone kuti iwe unotarisa nzvimbo yekutengeserana yehutano nokuti iwe unogona kuwana imwe sarudzo.
2. Vashandi Kupa Mari
Hurongwa hweHurumende hweVashandi Purogiramu Inogona kukwanisa kukupa mimwe mikana yekutarisira utano kana uri kurapwa nekuda kwekukuvadza kwakaitika iwe uchiri kushanda. Ichi ndicho chimwe chinhu chaunofanira kutarisa kana ichi chiri mamiriro ako.
3. Kufungidzirwa: Vanhu Vakawanda Iye zvino Vanokodzera, Tarisai MuUshuwarenzi Wehutano
Zvakawanda zvakashandurwa kubva paChipatara Chine Care Act , kusanganisira Medicaid zvinoda. Nhamba yevanhu vakakodzera kugamuchira Medicaid yakawedzera zvinoshamisa, asi nhamba dziri kuratidza vanhu vazhinji vasingazivi. Kana usina kutarisa mukati meizvi, iva nechokwadi chekuziva nezvekuchinja kuMedicaid yehurumende yako. Kunze kune avo vanorarama pasi peurombo, kunewo zvakawanda zvisiri izvo zvinobvumira vanhu vane mari yepamusoro pehurombo hwekukwanisa kukodzera. Medicaid kuwedzera kune yakasiyana mune imwe neimwe yehurumende, saka iwe unofanira kutaurira hurumende yako inshuwarisi commissioner kuti uzive kana nyika yako inobatanidzwa.
4. Medicare
Medicare inotungamirirwa neSocial Security Administration. kana iwe ukawana rubatsiro rwekuchengetedzwa kweSocial Security kana unopfuura makumi matanhatu nemashanu iwe unogona kukodzera Medicare. Zvimwe »
5. Utano Inishuwarenzi Kwema Market Market for Pre-Existing Conditions
Kubva kuAACA, mararamiro anoronga kuvhara kurapwa kwemamiriro ekurapa asati atovapo, maererano neHealthCareGov.org:
- Hapana chirongwa cheinishuwarenzi chinogona kukuramba, chinokubhadhara zvakawanda, kana kukaramba kubhadhara hutano hunokosha hwehutano hwemamiriro ezvinhu akambovapo.
6. Inishuwarenzi yehutano hwemhuri neyemhuri
Kune dzakawanda hurongwa hwehushuwarisi hwehupfumi apo iwe unogona kuwana zvinyorwa zvehutano hwemunhu mumwe kana hwehutano. Zvirongwa zvako pachako zvinogona kutengesa mari yakawanda, saka iva nechokwadi chekuti unotarisa nemusika usati watanga kuronga hurongwa hwakarongwa. Unogona kutenga inshuwalhu yehutano nenzira imwechete iwe waizoita kana iwe uri kutsvaga mishonga yemishonga yepamusha kana kutaurirana nemotokari yemotokari.
Icho Chirongwa Chisingakoshi Chine Utano Chinogadzirisa Chinangwa Chakanaka Here?
High Deductible Health Plans
Kuwana dhigirii yakakwirira ye "dambudziko" ndiyo nzira iri nani yekuchengetedza hurongwa hwehutano hwehutano husingadhuri uye kuchengeta Aalth Savings Account nokuda kwehutano hwehutano huchakuchengetedza mari munguva refu.
7. Mishonga yemazuva mashoma eUnited Health Insurance
Nenguva pfupi yemautano inshuwalhu yehutano inowanika kune vanhu uye mhuri dzavo uye inoita kuti hutano hwehutano hwehutano inshuwarheni hugadzirise kana iwe uchida kuvharwa nokukurumidza kuti urege hutano hwehutano hunovhara matanho paunotsvaka imwe sarudzo.
8. Bhokisi reInishuwarenzi kubva kuHurumende Uhu
Masangano mazhinji anopa humwe hutano kune dzimwe nhengo dzavo nekupa utano hwehutano mazano. Kana iwe uri werudzi rwehupi huri sangano, zvakakosha kubvunza kana vane hurongwa hwehutano hwehutano. Mamwe mapoka anowanzogona kunge ari mapoka emapoka kana masangano emagetsi. Aya mapoka anobatsira kupa mibayiro yehutano yehutano yehutano yakaderedzwa yevamwe vavo Mamwe mabhizinesi ebhizinesi kana masangano ehurumende anozvimirira anogona kupawo zvirongwa zvemarudzi aya, saka zvakakosha kutarisa mune izvi sechimwe chinhu kune rimwe boka rinoshandiswa neboka rinotsigirwa inshuwarano yehutano . Zvimwe »
9. Matanho emapoka ehutano Kugoverana Hurongwa / Utano Hwekugoverana Ushumiri (HCSM)
Ihutano hwehutano huri kuronga hurongwa apo boka revanhu rinodurura mari yavo pamwe chete uye kuripa mari yevamwe yehutano hwekuchengetedza hutano hunoita sevhisi yavo yekambisi ye inshuwarisi. boka rezvipfeko zvehutano kugovana zvirongwa hazvirevi zvirongwa zve inshuwarisi, saka havatongororwi nenzira imwechete yehushuwarisi, naizvozvo zvakakosha kutarisa munhoroondo yeipi yezvirongwa izvi usati wasangana navo. Mipiro nenhengo inosanganiswa uye inotengeswa uye inowanzochengeterwa kubhadhara mari huru yekurapa. Izvo zvirongwa hazviwanzoshandiswa kuti zvive zuva nezuva zuva rehutano hutengo sekutsvaga kana zviduku.
Basa rekuchengetedza utano hwehutano (HCSM) apo boka revanhu vanobatana nedzidziso dzakafanana rinogadzira mari yehutano kugoverana chirongwa. HCSM inhengo isiri purogiramu, saka zvakare, kunyange zvazvo inopa imwe nzira kune inshuwarisi, haisi inshuwarisi yehutano uye haitongorwi nenzira imwecheteyo. Zvirongwa izvi zvinosanganisira zvigadziro zvezvitendero zveboka, naizvozvo kana nzira dzisina tsika dzisingadiwi, hadzizofukidzirwa pasi pezvirongwa izvi. Mienzaniso miviri ndeye Medi-Share, uye Samaritan Ministries. Zvimwe »
10. Utano Wemainishuwarendi Makadhi eCharwere
Utano hwehutano huri kutengesa makadhi hupi hupi hupi hunoita mari dzehutano husingabhadharwi muhutano hwehutano hwehuri. Izvi zvinopa zvikwereti pamabasa ekurapa asi haisi inshuwarisi. Iyo haina kupa chero kurapa kupi zvayo kwezvechiremba, inongoderedza mari yako apo iwe uchishandisa masangano emitezo inobatanidzwa muurongwa.
IHealth Care Market Market Inofanira Kuva Yenyu Yokutanga
Yeuka kuti Obamacare uye nzvimbo yekutengeserana yehutano yakazarura mapurogiramu akawanda matsva uye kuwedzerwa kukodzera kune hurongwa hwehutano hwehutano. Parizvino kune mahombekombe akawanda eAmerica asingazivi kuti akakodzera kuwana utano hwehutano, naizvozvo musati wasarudza imwe yeiyi dzimwe nzira dzingasarudzwa, ipai nzvimbo yekuchengetedza hutano edzai edza.