Tinoputsa mitemo yakasiyana-siyana yehutano inshuwarisi uye yekufungidzira kwavanoita, saka iwe unogona kusarudza chirongwa ndicho chakanakisisa iwe.
Basic Types of Plans
Iro chirongwa chemishonga inshuwarano yehutano inoshanda pahurongwa hwekubhadharwa uye kubviswa. Iyo chirongwa chinobhadhara kubhadhara zvikwereti zvechiremba, mapurojekiti emabara, nemitemo. Neurongwa hwehutano hwehutano hwehutano, iwe unogona kuva nemari yemari yekubhadhara mapepa (kana kuti copays), kudhakwa, uye coinsurance.
Zvisinei, kana wakambosangana nemari yako yekutengesa mari , iwe unongova wega wega wepa copays, iyo kazhinji inoderera. Zvakakosha kugara mukati mematareji paunosarudza mutarisiri wehutano kana kuenda kunechiremba kuti uchengetedze mari yako pasi neurongwa hwehutano hwehutano hwehutano.
Sezvinoratidzwa nezita racho, chirongwa chakakosha chezvoutano (HDHP) chine chekudhura chakakwirira chaunofanira kusangana vasati bhuwarisi ichatanga kubhadhara chikamu chekushanya kwehofisi yako, kuongororwa kwebazi, nemirairo.
Kuti zvikwanise kuva sarudzo yakaderedzwa yakakwirira, iyo inobviswa inofanira kuva inenge $ 1,350 uye inogona kudarika $ 6 650 kune mumwe munhu.
Kazhinji, HDHPs inosanganiswa neAalth Savings Account (HSA) kuti ibatsire kubvisa mari yekubuda.
Asi aya haasi ega mapepa ehutano inshuwarano. Kune dzimwe dzakawanda dzemhando yehutano inshuwarano iwe unogona kukodzera, zvichienderana nemamiriro ako emari, basa rako rekushanda, uye makore ako.
Asi nokuda kwechinhu ichi, tichave tichienzanisa HDHPs uye zvirongwa zvehutano hwehutano hwehutano.
Kusarudza Hurongwa Hwakanaka Kwauri
Zvinogona kuva chisarudzo chakaoma kusarudza rudzi rwehutano hwehutano hutengi hunotenga. Icho chisarudzo chakakura uye inogona kukudhura iwe mukuru.
Utano hwehutano hwehutano hwemararamiro huine zviduku zvakaderedzwa, saka izvi zvinogona kunge zviri nani pane iwe kana ukaenda kwachiremba kazhinji, kana kutarisira kuva nemari yakakura yekurapa munguva pfupi iri mberi, sekuita mwana .
Zvimwe, zvirongwa zvehutano zvakatsaurwa zvakakwirira zvine purogiramu yakaderera, iyo inogona kukuchengetedza mari munguva refu. Kana iwe uine hutano uye uri kutsvaga nzira yekudhura mari iyi inogona kunge yakakosha yekufunga. Zvisinei, iwe unoda kuve nechokwadi kuti iwe une mvura inoshandiswa kuisa mvura yepamusoro yekutengesa zvakakwirira, iyo inotaurwa, inogona kukubhadhara zviuru.
Edza kugadzira urongwa hwehutano hwako hunodiwa mumakore mashomanana anotevera, uye kuverenga hurongwa hupi hunoita kuti iwe uve nepfungwa huru kune iwe mune zvemari.
Kuputsa Dambudziko reMarongwa
Kana iwe uchinetseka nezvehuwandu hweurongwa hwehushuwarisi hupi hunogona kukuderedza iwe, edza kuwedzera mari yegore yega yega yega, iyo inodhakwa, uye yakawanda kubva kunze kwehomwe yezvigadziro zveurongwa humwe. Izvi zvichakupa muongorori wekuti hurongwa hupi huchakubhadhara iwe.
Ngatiti iwe une chirongwa cheshuwarisi chetsika chinodhura madhora 290 pamwedzi, negore rinodhindwa re $ 1 000 ne coinsurance kunze kwehomwe yepamusoro ye $ 2,000. Iri urongwa raizokubhadhara $ 290 x 2 = $ 3,480 + $ 1,000 + $ 2,000 = $ 6 480 pamwe chete nemari yekopi uye zvinyorwa gore rose.
Kana iwe uine dhigirii yakakwirira yeinishuwarenzi ine deductible ye $ 5,000 uye mwedzi wekutanga we $ 110, iwe unopedzisa kubhadhara madhora 6,320 ($ 110 x 12 + $ 5,000). Ikoko kwaisazova nemamwe mapepa ekuwedzera emitemo kana kuti chiremba anoshanyira. Saka munyaya iyi, HDHP ingadai isina kudhura.
Kuwana Inishuwarenzi Yakarurama
Zvakakosha kuyeuka kuti paunofunga nezvemhando dze inshuwarisi, unofunga nezvehutano hwako huchashandisa huwandu huwandu. Iyi inzira yakanaka yekugadzirisa hurongwa hwakanakisisa hwezvaunoda.
Kana ukasarudza kuenda nechirongwa chakakwirira chekudzikinura iwe unofanirwa kushandisa zvakanaka HSA , iyo inotora mari yakabhadhara mari yekubhadhara kuti ibatsire kubhadhara mari yekurapa.
Yeuka, kune marudzi akasiyana-siyana akasiyana-siyana ehutano inshuwarisi: avo kuburikidza nemushandi wenyu, kuburikidza nekambani yega yehutano inshuwarisi yehutano, kunyange mararamiro ehutano kana muvakidzani wako asingakwanise kupa utano hwehutano. Uyewo gara uchifunga kuti kana iwe usingawani inshuwarisi yehutano, iwe unogona kubhadhara mutero kana mari kuburikidza neAne Affordable Care Act .
Yakavandudzwa naRachel Morgan Cautero .