Inobhadhara izvi kuburikidza nekubhadhara vamwe vanopa utano uye vemhuri dzakapfuma. Medicare yatotanga kubhadhara vanachiremba kwehutano-hwe-kutarisira panzvimbo yebhadharo-ye-kushanda.
Inobhadhara pachayo, saka Obamacare haina kuwedzera kune chikwereti chenyika .
Izvo zvichaitawo kuderedza mari yekuchengetedza utano uye kupa hutano huri nani hwemagariro evanhu pamwe chete. Utano hwehutano hunodiwa izvi zvigadziriswa nokuti zvaive zvakakodhura zvikuru kune vatengi. Yakanga iri kuparadzawo mari yakawanda yehurumende yeUnited States . Iko inowanzonzi nhoroondo yokuti Obamacare yakawedzera mari yekuchengetedza utano .
Obamacare yakaderedza kuwedzera kwehutano hwehutano . Inoita izvi nenzira mbiri. Chokutanga, zvinoda kuti munhu wese ave nehuturivha kwemwedzi mipfumbamwe kubva pagore. Chechipiri, inobvumira vabereki kuwedzera vana vavo kusvika pazera remakore makumi mana nemasere. Somugumisiro, vamwe vaduku, vanhu vane hutano vanobhadhara miriyamisi asi havashandisi hurongwa. Izvozvo zvinowedzera kune makambani ehutano yehutano inshumo. Vanogona kudarika mari iyi kune vatengi.
Obamacare anorayira kuwedzera kwevanhu vanorwara kubva kuMedicaid kuwedzera. Vakawanda vavo vakashandisa zvivako zvekukurumidzira sechiremba wavo mukuru wekuchengeta.
Pasi pe ACA , vamwe vakagadzirirwa kuchengetedzwa kwekutanga. Vanowana kurapwa kwezvirwere zvavo zvisingaperi vasati vava kuda imba yekukurumidzira vashoma. Izvo zvinoderedza zvinodhura mari yehutano inshuwarisi. Urongwa hwehutano hweTrump hunoda kugadzirisa izvi zvigadziriswa.
Obamacare inopa rubatsiro rwevaya vari muMedare.
Vakwegura vanogona kuwana mishonga yavo, kuderedza nhamba yekutsvaga mukana wekutsvaga. Mukufamba kwenguva, Obamacare inokubhadhara zvishoma kubudikidza nekuderedza mari yekuchengetedza hutano hwenyika.
Mishonga yehutano yehutano inoshandiswa
Utano hwehutano hwehutano huri kutengeswa pahutano hwehutano hwehutano . Nguva yekunyora ndiyoNovember 1, 2017, kusvika musi waDecember 15, 2017, nokuda kwekugoverwa muna 2018. Unogona kushandisa nguva dzose kugoverana kuti uenzanise zvirongwa zvehutano uye uone kana iwe uchikwanisa kuwana mari yekubhadhara mitero kana rubatsiro. Iwe unogonawo kuvashandisa kuti uone kana iwe uchikwanisa kuwedzerwa Medicaid, iwe unogona kuwana nguva ipi zvayo yegore.
Shanduro imwe neimwe inoshandisa nzira mbiri:
- Gadzira an account. Inokubvunza mibvunzo yakawanda yega yega kuti uone kuti uri ani.
- Ipa Inzvimbo Yakachengeteka uye ruzivo rwekuwana mari kuti uone kana iwe uchikwanisa kuwana mvumo yemitero.
- Ongorora zvirongwa muzvikamu zvina (Bronze, Sirivha, Ndarama nePlatinum). Chikamu chimwe nechimwe chine mapurogiramu akasiyana-siyana pamwedzi, deductibles uye copays. Izvo zvinyorwa zvikamu zvekuti inshuwarisi yehutano inoshanda sei .
- Nyora muburongwa.
Kufarira? Tsvaga kugoverana ikozvino.
Hurumende yezvematongerwo enyika inotarisira kugoverana munenge hafu yematunhu. Nzvimbo dzakasara dzakasikwa dzikaita sangano ravo kana kuti dzakabatana nehurumende yehurumende.
Iwe uchaona apo iwe unoshanda. (Mhedziso: "MaFeds Achamhanya Kukurukurirana Kwazvo," Washington Post, February 18, 2013.)
Iko kugoverana kunokubvumira kuti uenzanise vanachiremba uye zvipatara. Iwe unogonawo kuenzanisa dzimba dzevanamukoti, masangano ehutano hwemusha uye dialysis services. Enzanisa zvinobatsira zvino.
Kuti ACA inokubata sei
IAACA inobata munhu wese zvakasiyana . Ndicho chikonzero vamwe vanhu vanobatsirwa nezvibatsiro zvaObamacare apo vamwe vanogumburwa nematambudziko .
Iwe unogona kutarisa pasi kuti uwane mamiriro ako. Chikamu chichakuudza matanho anotevera kutora kuti uone kuti Obamacare inoshanda kwauri.
Ndine Inishuwarenzi
Kana uine chirongwa chako pamberi paMarch 23, 2010, Obamacare inokubvumira kuti uichengete kunyange kana isingateereri. Izvozvo zvinoreva kuti chinangwa chako chingave chisingabatsiri. Vakawanda vezvirongwa izvi "vakave vakaberekerwa mukati" uye havana kubviswa kuObamacare .
Asi mutemo wako ungangodaro wakanatswa nekambani yeinishuwarenzi kana nemushandi wako. Obamacare yechokwadi vimbiso ndeyokuti kana iwe ukarasa chirongwa chako chekuchengeta utano, unogona kuwana imwe itsva. Hapana bhizimisi inogona kukutsausa nekuda kwehutano kana makore, uye iwe uchakwanisa kuwana rubatsiro rwemari kana uchida. Izvozvo ndezvimwe zvemaitiro 14 ACA inokuchengetedza.
Ndine Chirongwa Chekambani - Unogona kuchichengeta. Iwe uchiri kungada kuenzanidza nechitoro pane kugoverana. Mamwe makambani anogona kuwanika mari yakawanda-inoshanda yekubhadhara chirango, kuziva vashandi vavo vanogona kuwana ruzivo rwekugoverana. Vamwe vakaona zvirongwa zvavo havana kupa 10 zvakakosha zvinobatsira. Kutaura zvazviri, vashandi vemamiriyoni 3 kusvika ku5 vanogona kurasikirwa nemitemo yavo iripo nokuda kwechikonzero ichi. (Kubva: "Migumisiro yeChinakidza Care Care Act paImployment-Based Health Insurance," Congressional Budget Office, March 15, 2012.)
Ndine Private Inshuwarisi - Kana iri chirongwa chega iwe chawakazvitenga iwe, unogona kuchichengeta. Asi ienzanise nezvirongwa zvekugoverana kuti uone kana iwe unogona kuwana huwandu huri nani pamutengo wakaderera. Iwe unogonawo kukodzera kuwana rubatsiro kana iwe uchitenga mutemo pakutsinhanisa.
Ndine Zviratidzo Zvokutarisira kana Dent Plan Discount, Zvimwe Zvigadziro Zvokugadzirisa kana Comp Compact Workers - Munoda kutenga inshuwarisi pane shanduko. Aya mazano haasi akafanana nehutano inshuwarisi. Tsvaga Mawaniro Ekuwana Obamacare .
Ndine Huru Inishuwarenzi - Unogona kuichengeta. Iwe unogona kuda kutengesa chirongwa chakazara-chinyorwa pachitsinhanisi. Asi kana iwe ukarega ushuwarenzi yako yakaipa iwe haugone kudzokera shure. Yese inshuwarisi yakatengwa mushure meJanuary 1, 2014, inofanira kunge ine zvishoma zvishoma. Inishuwarenzi yakaipa inongowanikwa mune dzimwe mamiriro ezvinhu.
Ndine Medicare - Unogona kugara paMedare. Kana iwe une Medicare Chikamu D, Obamacare inobatsira kubhadhara mishonga yako yemishonga kana iwe uchinge wapinda "munharaunda yekupinza." Pakazosvika 2020, ACA ichabvisa gomba rayo.
Ndine Medicaid - Unogona kugara paMedicaid.
Ndine Mamwe Inishuwarenzi - Unogona kuchengetedza zvimwe zvirongwa. Izvi zvinosanganisira zvirongwa zvekurega, CHIP, TRICARE nedzimwe veterans 'zvirongwa zvehutano. Iwe unogonawo kuchengetedza urongwa hweHama Corps Volunteer. Ona zvirongwa zvehutano zvakakodzera pano.
Handina Inshurensi
Kana iwe usina kuva ne inshuwarisi kwemwedzi mipfumbamwe gore rino, iwe unofanirwa kubhadhara mari yakawanda pamutero wako wemari .
Ini Haikwanisi Kubhadhara Inishuwarensi - Kana mupiro wako uri 138 kubva muzana kana kuti pasi pehurumende yehurumende yehurombo , unokodzera kuMedicaid kana nyika yako yakabvuma kuwedzera kuparidzirwa. Kana nyika yako isina kupa yakawedzerwa Medicaid, haufaniri kubhadhara mutero. Tsvaga zvakawanda pamusoro peMedicaid. Ona kana iwe unokodzera Medicaid.
Kana iwe mari yako iri pasi pe400 muzana yehurombo uhu, iwe unogona kuwana chikwereti chemutero uye zvichida zvishoma nezvishoma zvakaderedzwa uye zvakaderedza. Tsvaga kana iwe uchikodzera.
Ndiri Kushanda - Kana une COBRA, unogona kuzvichengeta. Asi iwe unogona kuda kutengesa kugoverana kwehutano hwehutano kuti uone kana iwe unogona kuwana dhipiro iri nani. Kana usina huni yunishuwarenzi, unogona kukodzera Medicaid kana kuti rubatsiro, zvichienderana nemari yako yemhuri.
Handidi Inishuwarenzi - Kana iwe uine hutano, unogona kuwana isingadhuri kubhadhara mutero, zvichienderana nemari yako. Tsvaga nzvimbo dzehutano dzemunharaunda dzakaderera munzvimbo yako.
Ini Handidi Inishuwarenzi - Unofanirwa kubhadhara mutero, pamwe chete nemari yekutarisira hutano. Kana iwe ukaramba uine utano, izvi zvakanaka. Asi ramba uchiyeuka kuti kazhinji kamuri yepamhanho yekushanyira inosvika $ 1,265, apo gumbo rakaputsika rinogona kutenga mari yakawanda kaviri. Kurapa kenza kunogona kukwana $ 30,000 ($ 7,000 nokuda kwechemotherapy chete). Kufanana nevanhomba kana motokari yveshuwarisi , inshuwarhu yehutano yakagadzirirwa kuchengetedza upenyu hwako hwekuchengetedza. Izvo zviri zvimwe zvezvikonzero nei kuvhara kwehutano kuchikosha.
Ndinoda Inishuwarenzi Ikozvino - Kubuditsanidza kunogona kukubatsira kutengesa varapi vekurapa uye inshuwarisi yega yega ikozvino. Iwe haungakodzeri kubhadharwa kana kubhadhara mitero kusvikira gore rinouya. Enzanisa zvirongwa zvino.
Ndini Muridzi Wemabhizimisi Maduku
25 vashandi kana vashoma - Mungave makatove makakodzera kubhadhara mutero we 35 muzana yeinishuwarenzi yaunopa. Tsvaga pano.
50 vashandi kana vashoma - Unogona kushandisa shanduro kuti uwane zvakanakisisa kuparidzirwa.
50 kana kupfuura vashandi - Munofanirwa kupa mishonga yehutano inokwana inopa huwandu hunokosha. Kana zvisina kudaro, iwe unobhadhara mutero we $ 2,000 pamushandi (kune vose asi vashandi vokutanga 30). Kana mushandi akawana chirongwa chine mari shoma pane shandiso, iwe unogona kutererwa.
Kana iwe uchipa utano hwehutano inshuwarheni sechibatsiro kune avo vakangotanga kubhadhara makore makumi mashanu kusvika ku 64, unogona kuwana rubatsiro rwezvemari. Hezvino zvimwe zvipo zvekubatsira mabhizimisi maduku kutevera Obamacare. (Inobva: "Mutemo Wehutano Newe," Healthcare.gov.)
Ndiri nhengo kana vashandi ve Congress
Iwe unofanirwa kuwana inshuwarhu yehutano kuburikidza nekugoverana. Inotsiva inshuwarisi yehutano inopiwa hurumende yawakamboita. Iwe ucharamba uchiwana $ 4 900 ($ 10 000 pamhuri) kuti ubatsire kubhadharira kugovera kwako. (Inobva: "Nhengo chete," The Wall Street Journal, August 8, 2013.)
Cherechedza: Bhuku remunyori, The Ultimate Obamacare Handbook, rinotsanangura zvakajeka kuti ACA inokubata sei.