Funga Kuti Obamacare Haiti Kukukonzera Here? Funga futi.
Kana Iwe Watova Noutano Inishuwarenzi
Iwe unogona kuchengeta inshuwarisi yako iripo kana iri chirongwa chako iwe pachako chawakazvitenga iwe pachako.
Iwe unogonawo kuchengetedza urongwa hwevaranda. Izvi zvinosanganisira zvirongwa zvamakagamuchira kuburikidza neConsolidated Omnibus Budget Reconciliation Act . Iwe unogona kuchengeta retiree plan, Medicare, Medicaid, CHIP, Peace Corps Zvirongwa zvekuzvipira, TRICARE, uye vamwe veterans 'zvirongwa zvekuchengetedza utano. Kana uine mimwe mibvunzo, ona zvirongwa zvehutano zvakakodzera kana kukumbira utano hwako hwekupa.
Tarisa kuona kana chirongwa chako chaivapo musi waMarch 23, 2010. Kana zvakadaro, chaive "chakaberekwa mukati." Izvozvo zvinoreva kuti hazvifanirwi kupa hutano hunobatsira hutano . Vanhu vazhinji vakaita kuti zvirongwa zvavo zvibvumirwe nekambani ye inshuwarisi nekuti haina kuita maererano nemitemo iyi.
Obamacare akavandudza zvikomborero zvaunowana nenzira dzinomwe zvinotevera:
- Iko inokubvumira kuwedzera vana vako kusvika pazera remakore makumi maviri nemasere kuhutano hwehutano inshuwarano.
- Iwe hauzove nemari yekubhadharwa kwehutano kana yekutakura pamuedzo.
- Kana iwe uchingorwara, kambani yako ye inshuwarisi haigoni kukuderedza iwe kunyange iwe wakatadza kukanganisa pahutano hwehutano hwehutano.
- Haikwanise kugadzirisa kugoverwa kwaunogamuchira pamusoro pehupenyu hwako.
- Kana uine mamiriro akambovapo , iwe haufaniri kushushikana nekurasikirwa nekuvhara kana iwe uchichinja inshuwarisi yako.
- Makambani eInishuwarenzi anofanirwa kutumira kururamisirwa kuhurumende pamatambudziko ose. Obamacare inopa mari kune masangano ekutungamirira izvi.
- Iwe unogona kunge wakagamuchira rebate kubva kuinishuwarenzi yako yekambani. Obamacare inoda kuti vashandise zvinenge makumi mapfumbamwe makumi matatu zvemazana ekubhadhara mari pamishonga ekurapa panzvimbo yekutengeserana nemitambo yehutano. Kana vasingakwanisi, mari yacho inodzokera kwauri.
Vanhu vazhinji vari kunetseka kuti kambani yavo ichabvisa inshuwalano yehutano hwavo uye inovamanikidza kuObamacare. Izvi zvakaitika kune vashandi vanosvika mamiriyoni. Vakawana kambani yavo ye inshuwarisi yakanga isiri kuda kupa mapurogiramu asina kukodzera. Vamwe vakashanda kumakambani akawana kuti mari yakawanda-inoshanda kubhadhara chirango. Makambani aya anoziva kuti vashandi vavo vanogona kuwana ruzivo rwehutano hwekutengesa inshuwarisi . Vamwe vangasarudza kutengesa kugoverana ivo pachavo kuti vawane basa rakanaka. Hurumende yeBongress yeBongress inofungidzira vashandi ve mamiriyoni matatu kusvika ku5 vashandi vakarasikirwa nemarongwa avo aripo sechikonzero.
Asi izvi hazvina kuitika kune vanhu vazhinji uye pano ndizvo zvikonzero. Makambani anopa hutano yehutano senharo yekukwezva vashandi vakanaka. Zvinodhura kwavari kupfuura mari yepamusoro nokuti havana mari yemitero.
Kana pane, premium yako inofanira kuderera pane nguva. Chinangwa chikuru chaObamacare ndechekuderedza mari yekuchengetedza utano. Nokubvumira vabereki kuwedzera vana vavo, vanhu vane hutano hwakanaka vari kubhadhara mari yepamusoro vasingashandisi nzira.
Izvo zvinowedzera hutano hwekambani yema inshuwarisi. Vanofanira kupa mapurogiramu akaderera pamusoro penguva refu. Saizvozvowo, vanogamuchira Medicare ikozvino vane zvakawanda zvemishonga yavo yemishonga yakavharwa. Izvo zvinovabvumira kuti varambe vachirwisa mishonga inofanirwa kudzivirira nguva dzekukurumidza mumba.
Munhu wose anonzi ave nehutano inshuwarisi . Izvozvo zvinoreva kuti vamwe vanhu vachashandisa kuchengetedza kwekuchengetedza panzvimbo pokumirira kusvikira vachida imba yepamhanho. Ivhareji inoshanyira mukamuri yekukurumidza inosvika $ 1,265. Zvipatara zvinoda kudya mutengo uyu kune varwere varombo. Vanowedzerawo mari kune makambani einishuwarenzi kana Medicaid. Kana izvi zvikwereti zvinodzivirirwa, mari yezvipatara uye saka zvizere zvehutano zvinotapudza zvichaderera.
Kana Iwe Usina Utano Inishuwarenzi
Unofanirwa kuva ne inshuwarisi kwemwedzi mipfumbamwe pane gumi nembiri.
Pasina iyo, iwe uchabhadhara zvakapetwa 2 muzana yemari yako yaunowana pamutero wako we 2017. Verengai mari chaiyo uye ona kuti inokwira zvakadini muna 2018 mune Zvakawanda Zvii Zvichagadziriswa?
Kana iri nyaradzo imwe neimwe, nhengo dzeCongress dzinorayirwawo kuti dziwane inshuwarano yehutano kuburikidza nekugoverana kumwe chete kune inshurensi yehutano inopiwa hurumende yavakagamuchira kare. Vanowana $ 4,500 rubatsiro kuvanhu kana $ 10 000 kuitira mhuri kuchengetedza kubatsira kubhadhara mari.
Nguva yokunyoresa muna 2018 inobva munaNovember 1 kusvika kuDecember 15, 2017. Kukurukurirana kunokubvumira kuti uenzanise zvirongwa zvehutano usati watenga imwe. Kukurukurirana kunobatsirawo kuziva kana iwe unokodzera rubatsiro kana kusununguka kweutano hwakanaka kuburikidza neMedicaid. Nyika dzakapiwa zvikwereti zvehurumende zvekubhadhara kugoverana nekuwedzera Medicaid. Pasinei nekukurudzira izvi, havasi vose vakanyora. Tsvaga mamiriro ako ezvinhu.
Kana Iwe Usingakwanise Kupa Health Insurance
Iwe uchakodzera kuMedicaid kana yako inowana 138 muzana kana kuti pasi pe federal paurombo huri nani . Hurumende yehurumende inobhadhara Medicaid inowedzera 100 muzana kusvika 2017 uye 90 muzana mushure meiyo.
Kana iwe usingakodzeri Medicaid, unogona kunge uchikwanisa kubhadhara mari. Iwe uchakodzera kana mari yako iri pasi pe400 muzana yehurombo uhu. Panzvimbo pokumirira rubatsiro rwako rwegore negore, iwe unogona kuwana chikwereti chemutero mwedzi mumwe nomumwe. Iwe unogonawo kukodzera kubhadharwa kwemari uye kudhakwa. Iva kunyatsoziva zvaunogona kuita nekudzidza kuti ungawana sei Obamacare .
Iwe unogonawo kukodzera kubhadhara kubva pamutero kana mari yako yakanyanya kuderera, nyika yako haina kukura Medicaid, kana iwe uri mumamiriro ezvinhu ekutambudzika. Ziva zvakasarudzwa pamitemo kuburikidza nokutarisa muObamacare kusunungurwa .
Kana Uri Mushonga
Iwe zvino unogamuchira hutano hwakanaka uye kushanyira kwekuchengetedza kwekuzvidzivirira pasina rusununguko. Medicare Preventive Services inopa ruzere rwakakwana rweChirwere cheMedare. Kana iwe une Medicare Part D , Obamacare inobhadhara mari yako yemishonga kana iwe ukawira mu "gomba rekupa." Pakazosvika 2020, ACA ichabvisa gomba rayo.
Kana Uri MuIbhizimisi Muduku
25 Vashandi kana vashoma - Unogona kuwana chikwereti chemitero ye50 muzana yemari yehutano inshuwarheni yakatengwa paBusiness Small Options Program Program Marketplace. Izvo zvisina mari inowana 35 muzana chikwereti.
Vashandi vasingapfuuri makumi mashanu - Haufaniri kubhadhara mukana kana vashandi vako vachiwana zvikwereti zvemutero kuburikidza nekutsinhana.
50 kana kupfuura vashandi - Unofanirwa kupa hutano inshuwarheni kana kubhadhara mutero we $ 2,000 pamushandi. Izvi zvinosanganisira zvose asi vashandi vekutanga 30. Izvi zvakatanga munaJanuary 2015.
Vasingasviki 100 vashandi - Unogona kutenga inshuwarisi pamakwikwi muna 2014 iyo inofanira kupa dzimwe nzira dzisingabatsiri pane izvo zviripo iye zvino. Kana iwe uchipa hutano inshuwarisi sechibatsiro kune vakwegura vokutanga, vane makore makumi mashanu kusvika kune makumi matanhatu nemashanu, munogona kuwana rubatsiro rwezvemari yehurumende. Tsvaga kuti sei Pakutanga Retiree Reinsurance Programme. Ona zvimwe zvipo zvekubatsira mabhizimisi maduku kutevera Obamacare.
Cherechedza - Nyaya iyi inopfupisa zvinyorwa zveBamacacare . Kuti uzive nezvemitero uye mari, tapota ona Obamacare Taxes . Ziva zvose pamusoro peAACA kubva muUnited Health Health and Human Services.
Mukudzika: Ko Obamacare Anoshanda Sei? | Pros uye Cons | Chokwadi Pamusoro peBamacacare | Ndezvipi zviri muC ACA Itself? | Congress 'Inoronga Kudzorera Obamacare | Obama's Health Care Campaign Inovimbisa
Kuti uchengetedze mari paObamacare, ona bhuku rangu "The Ultimate Obamacare Handbook. "