Obamacare Anotsanangurwa

Zviri nyore Zvakakwana Kuti Utsanangurire Vana Vako

Muna 2010, Mutungamiri Obama neCongress vakasaina Obamacare mutemo. Sei? Vaida kuve nechokwadi kuti vose veAmerica vakakwanisa kuwana inshuwarhu yehutano . Zvinotonyanya kukosha, vaida kuderedza mari yehutano . Izvozvo zvingaderedza kuwedzera kwemari yeMedare uye Medicaid. Izvo mapurogiramu maviri anotyisidzira kutora mari yose yehurumende .

Kuenda kwachiremba kana kuchipatara zvakadhura zvikuru. Kutaura zvazviri, mari yekuchengetedza utano ndiyo Nhamba 1 iyo yekukonzera mari muAmerica .

Kungoshanyira imwe chete muimba yekudhura kunodhura madhora 1,265 paavhareji. Rutsoka rwakavhunika runodhura madhora 16 000, apo kurapwa kwekenza kunogona kutenga $ 30,000.

Vanhu vane inshuwalhu yehutano havafaniri kunetseka pamusoro pezvinodhura izvi sezvo inshuwarisi yavo inopa vakawanda vavo. Inishuwarenzi inobhadhara mari shoma pamba pese, inonzi copayment. Vanhu vazhinji vanowana inshuwarhu yehutano semubatsiro kubva kune avo vashandi. Iko kambani inowanzopa chikamu chemari yepamwedzi, inozivikanwa sepayumu.

Chii chinoitika kune vanhu vane mabasa avo vasina kupa hutano inshuwarisi uye vanhu vasina mabasa? Vamwe vavo varombo zvakakwana kuti vakwanise kuwana Medicaid, inotambirwa nehurumende nehurumende. Vaya vakwegura vanopfuura 65 vanogamuchira Medicare. Vanobhadhara mari inobhadharwa nehurumende yehurumende.

Chii chinoitika kune vanhu vanoita mari yakawandisa yeMedicaid uye vari vaduku zvikuru kuMedare, asi vanozvishanda kana kuti havawani inshuwarisi kubva kumabasa avo? Vanofanira kubhadhara inshuwarisi yavo, uye inodhura zvikuru.

Pamberi peObamacare, vakawanda vakangoita pasina iyo uye vakatora mikana yavo. Vamwe vaiva nechirwere chisingagumi, chinonzi " mamiriro ezvinhu aimbovapo ," uye makambani einishuwarenzi haazovatomberi.

Paiva pane imwe nzvimbo kubva pamamiriyoni 32 kusvika kune makumi mashanu evanhu vakanga vasina utano hwehutano inshuwarheni. Kana chimwe chinhu chikaitika uye vaifanira kuenda kuchipatara, kazhinji havana kungobhadhara chikwereti.

Chipatara chakaripa mhosva kune chirongwa cheMedicaid chinokurumidza. Izvozvo zvakasimudza mari yehutano hwevanhu vose.

Iyo Inokubata Sei Iwe

Murwere Anochengeteka uye Ane Hanya Nekutengesa Mutemo wegore ra2012 yakaoma zvokuti yakatambanudzwa mumakore anopfuura mashanu. Hezvino iyo inobata mhuri yako nevanhu waunoziva. Uyewo ona kuti zvinhu zvinogona kuchinja sei pasi peurongwa hwaTrump kuti utsive Obamacare .

Chero ani zvake anokwanisa kuenzanisa zvirongwa pamakwikwi, ayo mawebsite anotungamirirwa nehurumende kana hurumende yehurumende. Iko kugoverana kunoitawo kuti vanhu vazive pavanokodzera kuwana zvikwereti zvemitero. Obamacare ari kubhadhara mari yakawanda yekushandura idzi kugoverana.

Zvose zvirongwa zvehutano inshuwarheni zvinofanira kupa 10 zvakakosha zvoutano . Izvo chete zvisiri izvo zvirongwa zvakange zviripo musi waMarch 23, 2010. Vaiva "vakaberekerwa mukati."

Vanhu vane Utano Inishuwarenzi - Heano nzira nhanhatu Obamacare yakavandudza utano hwehutano hwemhuri yako.

1. Vabereki vanogona kuwedzera vana vavo vakuru (kusvika pazera remakore makumi maviri nemakumi maviri nemaviri) kune zvirongwa zvavo.
2. Kana mumwe munhu achirwara, kambani ye inshuwarisi haigone kuidzikisa kubva purogiramu kana kuti kugadzirisa kuti inshuwarisi mhuri yako inoshandisa sei.
3. Kana mumwe munhu ari kurwara nokusingaperi, kambani itsva yveshuwarenzi haigoni kuramba kuparidzirwa.
4. Utano uye kuve nemuviri miedzo ikozvino kusununguka. Iko kunosanganisira zvikwereti.
5. Makambani eInishuwarenzi haagoni kukwidza mari yepa premium pasina kubvumidzwa nehurumende dzehurumende.

1. Mamwe mhuri yakagamuchira cheki kubva kambani yveshuwarenzi. Izvi ndizvo zvinoreva kuti Obamacare inoti makambani anoshandisa mari inenge 80 muzana yemayero ehurukuro pahupi hupi hupi hupi hwehutano hwehutano. Kana vakaripedza pamushambadziro kana mubhadharo wepamusoro, vanofanira kubhadhara kudzoka kudarika kune vanoita mitemo.

Vanhu vazhinji vane inshuwalhu yehutano hwakanaka vainetseka kuti makambani avo aizobvisa zvirongwa zvavo zviripo. Dare reCongressal Budget Office rinoti izvi zvinogona kuitika kune vashandi vemamiriyoni 3 kusvika ku5. Urban Institute inofungidzira kuti pavanhu vane mamiriyoni 2,6 vakarasikirwa zvirongwa zvavo.

Sei? Dzimwe makambani dzinozviwana zvisingabhadhari kubhadhara zvikwereti uye kubvumira vashandi vavo kuti vawane inshuwarisi pane kugoverana. Kazhinji kambani dzicharamba dzichipa inshuwarisi yehutano semubatsiro kukwezva vashandi vakanakisisa. Hazvina mari kudhura kwavari kupfuura kupa zvikwereti zvakakwirira.

Izvi zvinoreva kuti inshuwarano yehutano haina kukweretwa.

Vanhu Vasina Utano Inishuwarenzi - Kubhadhara kusununguka pamakambani ekuchengetwa kwehutano kwegore ra2018 kuchave kubva munaNovember 2017 kusvika kuDecember 15, 2017. Unogona kunge uchikwanisa kuwana inshuwalhu yenguva pfupi mushure mokunge nguva yekunyora ipera.

Obamacare inoda kuti munhu wese anyore muhutano inshuwarani musi waJanuary 31, 2018. Avo vasina kutarisana ne 2.5 muzana mutero pa 2017 yavo yakashandurwa mari yakawanda. Izvo zvishoma ndeye $ 625 pamunhu mukuru. Kuti uwane zvakawanda, ona Vanhu vazhinji vanogona kudzivisa mutero kana vakakodzera kubhadhara .

Obamacare inorambidza makambani einishuwarenzi kubva pakuramba kugoverwa kune ani zvake ane mamiriro ezvinhu akambovapo .

Obamacare inobvumira vanhu vakawanda kuwana Medicaid. Mari inokodzera ndeye 138 muzana ye federal poverty level . Icho chaiyo mari yepamusoro inopesana nehurumende. Hurumende yehurumende yakabhadhara mari yose yekuwedzera kwemakore matatu ekutanga. Mushure mezvo, nyika inobhadhara 10 muzana. Hasi dzose dzezvematongerwo enyika dzakapararira Medicaid, pasinei nehupfumi hwehurumende.

Mhuri dzakawanda dzinoita zvakawanda kuti dziwane Medicaid dzichiri kuwana rubatsiro. Vanogona kuwana rubatsiro kune mwedzi mumwe nomumwe kana kunyange kutapudzwa kwemari uye kubhadhara. Iyi inowanikwa mari inokwana 400 muzana yehurombo uhu, uye inowedzera nekutengesa kwegore gore negore.

Vanhu vazhinji havafungi kuti hurumende yehurumende inofanira kuva nekodzero yekukumanikidza vanhu kuwana inshuwarisi. Nei hurumende yeHerald ichida iyo? Kana munhu wose ane inshuwarisi, vanhu vakawanda vachaenda kuna chiremba pavanenge vachirwara, panzvimbo pokumirira kusvikira urwere hwavo huchienda kuhutengo hunodhura. Izvozvo zvinoderedza hutano hwekuchengetedza hutano kune munhu wose.

Nokufamba kwenguva, inshuwarisi yehutano inofanira kuderedza mhuri yako zvishoma. Izvi ndizvo zvinoreva kuti vamwe vane hutano huripo vanobhadhara miriyamu yakawanda kumakambani einishuwarenzi, avo vachazoita mari yakawanda. Vachakwikwidzana pamwe chete mukukwikwidzana, saka vanozobhadhara zvishoma kuti vawane bhizinesi dzakawanda. Vanhu vakwegura paMedare vachave nezvakawanda zvezvinodhaka zvinoshandiswa nemishonga, zvichireva kuti vanogona kutora mishonga yavo yese sezvavanofanira uye vanoramba kunze kwechipatara. Izvo zvinoderedzawo mari kune wese.

Vanhu paMedare - Obamacare inobvumira vakwegura vane Medicare kuti vagamuchire hutano uye kushanyira kuchengetedzwa kwekuchengetedza pasina rusununguko. Medicare inopa urongwa hwezvinhu zvose zvekudzivirira iyo inowedzera.

Vaya vane Medicare Part D , iyo yakabhadhara kune vamwe asi kwete yezvinodhaka zvemishonga yemishonga, yakagamuchira $ 250 muna 2010 kana ichiida. Muna 2011, vakagamuchira makumi mashanu kubva muzana kubva kune mazita emishonga emishonga, uye 7 muzana kudhakwa kwemishonga chaiyo. Pakazosvika 2020, Obamacare achabhadhara zana muzana yemishonga yemishonga inodhura kune avo vane Medicare Part D.

Vaduku-Bhizimisi Vepamabhizimisi - Varidzi vemabhizimisi maduku (25 vashandi kana vashoma) vanopa inshuwarisi yehutano vanogona kuwana chikwereti chemitero ye50 muzana yemari yeObamacare. Vanogonawo kuwana rubatsiro rwezvemari yezvemari kana vakapa hutano inshuwarisi kune avo vakangotanga kubhadhara makore 55-64.

Vaya Vanowana $ 200,000 Gore kana Kupfuura - Obamacare vakateresa vanhu vanowana mari ye $ 200 000 kana kupfuura uye mhuri dzinowana $ 250,000 kana kupfuura.

Nhengo neVashandi veCongress - Nhengo dzeCongress nevashandi vavo dzinodiwa kuwana inshuwarisi yavo kuburikidza nekugoverana kumwe chete, panzvimbo yehutano hwehutano hwakapiwa hurumende yavaivapo. Asi vanoramba vachiwana rubatsiro rwekubhadhara inishuwarenzi yavo: $ 4 900 kuvanhu uye $ 10 000 pamhuri yekuvhara.

Mabhizimisi Maduku - Makambani ane vashandi 100 kana kupfuura anodiwa kupa hutano inshuwarisi. Kana vasingakwanisi kana vasingadi, ivo vachabhadhara $ 2 000 pamushandi, kunze kwevashandi vekutanga 30. Kuti vavabatsire kuwana zvirongwa zvisingadhuri, mabhizimisi ane vashoma vanoshanda makumi mashanu vanogona kutengesa pane kugoverana kwehutano inshuwarhu.

Zvimwe paObamacare

Nzira Yokuti Iite Kuti Ishande Kwauri | Obamacare Summary | 11 Zvinetso naObamacare | Pros uye Cons | Chokwadi Pamusoro peBamacacare | Nzira Yokuiwana nayo | Rinotanga Rini? | Inowedzera kuDhaka? | Ndezvipi zviri muC ACA Itself? | Health Care Reform Nguva: Yekare, Nhasi uye Ramangwana

Kuti uchengetedze mari paObamacare, ona bhuku rangu The Ultimate Obamacare Handbook (2015 - 2016) .