Zvii Zvakawanda Zvichaita Kuti Obamacare Indire Mari?

Izvozvo Zviviri Zvinotaurira Kuti Zvakawanda Zvii Zvichakuwanira Iwe

Izvo zvakadini Obamacare zvinodhura iwe unofunga nezvishanu zvinhu: yako yezera, mari, mhuri yemhuri, nzvimbo, uye rudzi rwerongwa raunosarudza. Izvozvo ndezvokuti Mutengo Wakanaka Wechirongwa unopa rubatsiro rwevanhu vanogara pakati, mhuri, uye mabhizimisi maduku . Inowedzerawo mahana eMedicaid kune mhuri dzine mari shoma. Iro mitero yemhuri yakapfuma-refu, mabhizimisi asingabatsiri mararamiro ehutano, uye vanhu vasingasayiri kune inshuwarisi, kunze kwekuti vasina kubhadhara .

Chokutanga, mari yako inobva pane chirongwa chaunosarudza. Utano hwehutano hwehutano hunopinda mune chimwe chezvikamu zvina. Vose vanopa zvakafanana zvehutano zvinobatsira . Zvitsva zvina ndezvi:

1. Bhronhe - Iine mapiamisi ari pasi pasi, asi inopa 60 muzana yehutano hwako hwekutarisira . Sarudza hurongwa uhwu kana iwe usingatarisiri zvikwereti zvakawanda zvezvechiremba.
2. Sirivha - Inyika 70 kubva muzana yemari yako yakavharwa, asi zvikwereti zvakakwirira kupfuura chirongwa cheBronze.
3. Ndarama - Inotora 80 muzana yemari yako, uye ine premium yakakwirira kudarika Sirivha.
4. Platinum - Nyika 90 muzana yemari yako, asi ine mwedzi mikuru yepamwedzi. Zvinenge zvakanakira kusarudza chirongwa ichi kana iwe uine hutano husingaperi.

Zvirongwa zveboka rimwe nerimwe zvinokubvumira kuti uenzanise mapurogiramu emwedzi, kubhadhara, mapepa uye gore roga roga rokunze. Ikoko ndiko kunotyisa. Kunyange mukati mechikamu chakafanana, chirongwa ichi nebhasi yepamusoro yepamusoro inogona kuve yakanyanya kubviswa.

Iwe unogona kuguma uchibhadhara zvimwe zvehutano huripo kana iwe uchirwara kupfuura iwe uchida neurongwa nepamusoro-soro asi yakaderedza deductible. Saka iwe unofungidzira kuti mari yekuchengetedza yehutano ichave yakadii, saka sarudza hurongwa hwehushuwarisi hunokubatsira iwe kuderedza mari yakawanda yakanyanya.

Chechipiri, mari yako inofanirwa nezera rako.

Utano hwehutano hwekambani inobvumirwa kupa mari yepamusoro yepurayamisi yevanhu vakwegura. Asi havakwanisi kutengesa kanopfuura katatu mutengo wevaduku.

Chechitatu ndiko kwaunogara . Ndiko kuti mari yekurarama, kusanganisira kutarisira utano, yakakwirira mumamwe maguta kune vamwe.

Yechina uye yechishanu ndeyekuwana iwe uye ushamwari hwemhuri . Kana iwe ukaita 400 muzana kana pasi pehurumende paurombo uhu , iwe uchagamuchira rubatsiro. Heino nzira iyo rubatsiro runoshanda. Iti iwe uri munhu mumwe chete uye iwe unowana $ 47,520 (inenge 400 muzana yehurombo uhu). Obamacare anovimbisa kuti iwe haungabhadhara zvinopfuura 9,5 kubva muzana yemari yako mugore, kana $ 4,514, nokuda kwechipiri-yakaderera Sirivha hurongwa. Kubhadhara kwako ndiyo mari yeurongwa, kudarika $ 4,514. Saka kana chirongwa chacho chiri $ 5,000, rubatsiro rwako ndedha $ 485.

Ko kana iwe uchida chirongwa chinodhura? Obamacare inoshandisa zvese zvinotsigirwa pamutengo wechipiri-yakaderera Sirivha chirongwa. Saka rubatsiro rwako ruchiri $ 485 pagore, raunogona kushandisa kune chero hurongwa. Iwe unobhadhara mutsauko.

Nenzira yakanaka, healthcare.gov inoratidzira izvi zvose kwauri. Iyo inokubvumira iwe kusarudza kana iwe uchida rubatsiro rwako mwedzi mumwe nomumwe, kana kuguma kwegore semutero wekutora . Iko inotora kuwanda kwepurogiramu yaunosarudza maererano nekubhadhara kwako.

Zvii Zvakawanda Zvichaitwa NaOmbamacare Kana ...

Ndinoita Zvishoma Kudarika $ 16,643 (kana kuti $ 33,948 kumhuri yevana) - Kana mupiro wako uri 138 kubva muzana kana kuti pasi pehurumende yehurumende yehurombo, unokodzera kuwedzerwa Medicaid. Izvozvo zvinoreva kuti Obamacare inodhura iwe zero. Asi vazhinji vanoti nyika haina kuwedzera Medicaid. Kana iwe ukawira mukati mehuwandu hwemari iyo, uye iwe haugone kuwana Medicaid kubva munharaunda yako, ndizvo zvinoitika. Chokutanga, haufaniri kubhadhara mutero wekusina inshuwarisi. Chechipiri, kana mari yako yakaderera zvokuti haubhadhara mitero, iwe unoregererwa kubva pamutero. Chechitatu, iwe unogona kushanda kune inshuwarisi pane shanduko. Iwe haungabhadhara zvinopfuura 2 muzana yemari yako yeSirivha Plan.

Ndinoita Zvishoma Kudarika $ 29,700 ($ 60,750 Mhuri Yechina) - Kana mari yako iri pasi pe 250 muzana yehurombo huripo, iwe haubhadhara hupfumi kupfuura 8.05 kubva muzana yeHindu Plan.

Mune mamwe mazwi, rubatsiro rwako ndeyekudhura kwechipiri cheSirivha Chirongwa Chisinganyanyi kudarika 8.05 muzana yemari yako. Shandisa Healthcare.gov's subsidy calculator kuti uone kuti yakawanda sei.

Ndinowedzera Kudarika $ 47,520 ($ 97,200 yemhuri yevana) - Kana mari yako iri pasi pe400 muzana yehurombo huri nani, iwe haubhadhara mari inopfuura 9,5 muzana yemari yeChirongwa cheSirivha. Mune mamwe mazwi, rubatsiro rwako ndeyekudhura kwechipiri cheSirivha Chirongwa Chakanyanya kudarika 9.5 muzana yemari yako.

Handisi Kuronga Kuwana, Kana Kuti, Kwete, Kuwana Inishuwarenzi - Kana iwe usina kuwana inshuwarisi musi waJanuary 30, 2017, uye iwe ukaenda usina mwedzi mitatu, iwe uchabhadhara mutero unowanikwa we 2.5 muzana wewakachinja mari yakawandisa apo iwe uchibhadhara mitero yako yekusvika 2016. Hazvikwanisi kuva pasi pemazana emutero wepamusoro we $ 695 pamunhu mukuru pamwe ne $ 347.50 pamwana, kusvika kusvika $ 2085 pamhuri. Hazvikwanisi kuva zvinodarika zvinodhura zveurongwa hweBronze.

Kunyange zvazvo zvakakwirira, kuripa mutero zvichida zvichiri kudhura kudarika kuwana inshuwarisi. Asi mari yako inowedzera zvinoshamisa kana iwe uchinge uchinge uchinge watiza. Semuenzaniso, wekuvhara kwemukana wekutsvaga mukamuri inosvika $ 1,265. Kana ukavhuna rutsoka rwako, kurapwa kunogona kukwana $ 16,000. Kurapa kenza kunogona kukwana $ 30,000 ($ 7,000 nokuda kwechemotherapy chete).

Ndine Inishuwarenzi - Mari yako yehutano inshuwarisi inogara yakafanana. Asi, iwe unogona kuwana urongwa huri nani hwokuderedza mari kubva kuObamacare. Gara uchiyeuka, zvakare, kuti inshuwarano yehutano mari inomuka pasinei neOmbacacare. Mabhizimisi ave achiisa mari yakawanda kune vashandi kwemakore, kungochengetedza ruzivo rwemiganhu . Mari yekuchengetedza utano yakange ichikwira, paavhareji, 3-4 muzana pagore, saka makambani einishuwarenzi ari kukura mubhadharo wekubhadhara mari yavo. Saka kana hutano hwehutano wehutano huri kuwedzera, ivo vacharamba vachidaro nekuda kwezvikonzero izvi.

Chiratidzo chekucherechedza kana kuderedza chirongwa chemazino , kupora chirongwa chezvokurapa, kana yekambani yevashandi haisi inshuwarisi.

Inishuwarenzi yakaipa inonzi inofanirwa inshuwarisi. Asi iwe unogona kuenzanidza nehuwandu hwehuwandu hwekugoverana pakutsinhanisa kuti uone kana iwe unogona kuderedza mari yako yese yekuchengeta utano. Yeuka kuti kana iwe ukashandura, haugone kudzokera shure kunze kwekuti iwe uri pasi pemakumi matatu kana uine mamwe mamiriro.

IAACA inovandudza Medicare mari. Yakaderedza chikamu cheD D mari kana iwe ukawira mu "donut hole" mukana wekurapa mishonga yemishonga. Pakazosvika 2020, gomba rekushandisa richapera.

Saizvozvowo, kana iwe uine inshuwarisi yekugadzirisa pasi pechirongwa chekusiya basa, CHIP, TRICARE nevamwe veteran 'zvirongwa zvekuchengetedza hutano, kana chirongwa cheRugare Corps Volunteer, mari yako haina kuchinja.

Kana uine COBRA, unogona kuzvichengeta. Asi iwe unogona kunge uine rubatsiro rwuri nani pane kugoverana.

Ndinowedzera zvinodarika $ 200,000 ($ 250,000 kune Vakaroorana) - Avo vanoita zvinodarika madhora mazana maviri nemakumi maviri pagore ($ 250,000 kune vakaroorana vanowirirana pamwe chete, $ 125,000 kune vakaroorana vanoisa pamwe chete) kubhadhara mitero yezvemari yekuwedzera:

• Chimwe chezvikamu zve9,9 kubva muzana zvechipatara chemishonga pamari inosvika pane chikumbaridzo.
• Anowedzera 3.8 muzana pane zvishoma (a) mari yekutsvaga mari sezvimwe zvikamu uye zvikwereti zvinowanikwa kana (b) kugadziriswa mari yakawandisa iri pamusoro pechikumbaridzo.
• Iyi mutero inoshanda kana iwe uchitengesa imba yako uye iwe unogadzira zvinodarika $ 250,000 (singles) kana $ 500,000 (vakaroorana) mune mari inowanikwa. Kana uri kutengesa mabhizimusi pfuma, iwe haugamuchiri kubviswa uku.

Ini Ndichitsvaga Mari Inodhaka - Kana iwe uchitora mari yako yezvokurapa iyo isina kuvharwa nehutano inshuwarisi yako, Obamacare inokutora iwe zvakawanda. Iwe unogona kungotora chete mari inopfuura 10 kubva muzana yemari yako, kubva pa7,5 muzana.

Ndinoshandisa Flexible Health Savings Account - Unogona chete kuchengetedza $ 2,500 muteresi. Pamusoro pezvinodhaka zvinodhaka hazvikodzeri kukodzera mari yeFSA mari. Kana iwe usingashandisi mari yeFSA yemari yekurapa, mutero wekutere unowedzera kusvika 20 muzana.

Ndini Muridzi Wemabhizimisi Maduku - Kana une vashandi makumi maviri nevashanu kana kuti vashoma, unogamuchira chikwereti chemitero ye 35 muzana yeinishuwarenzi yaunopa.

Vaya vane vashandi makumi mashanu kana kuti vashoma vanogona kushandisa shanduro yekuwana inshuwarisi yakadhura.

Vaya vane vashandi makumi mashanu kana kupfuura vanofanirwa kupa hutano hwehutano hwehutano hunopa huwandu hunokosha kana kubhadhara mutero we $ 2,000 pamushandi, kune vose asi vashandi vatatu. Kana mushandi akawana chirongwa chine mari shoma pane shandiso, iwe unogona kutererwa. Izvozvo zvakatanga munaJanuary 2015.

Mabhizimusi anopa inshuwarisi yehutano kune avo vakangotanga kubhadhara makore makumi mashanu kusvika ku44 vanogona kuwana rubatsiro rwezvemari. Hezvino zvimwe zvipo zvekubatsira mabhizimisi maduku kutevera Obamacare.

Ndiri nhengo yeCongress kana Staff - Unogamuchira $ 4,900 ($ 10,000 pamhuri) kubhadhara Obamacare.

Obamacare Cost Calculator

Iwe unogonawo kuverenga mari yaBhoamacare neBobamacare Cost Calculator kubva kuKaiser Foundation. Kune mamwe, ona bhuku rangu The Ultimate Obamacare Handbook (2015 - 2016) .

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Ichokwadi Chechipiri cheIndamacare Kumarudzi | Pros uye Cons | Chii Chakaipa neOmbamacare? | Obamacare Inotsanangurwa - Inyore Yakakwana Kutsanangurira Vana Vako ... H owana Obamacare | Obamacare Taxes | Ichandibata Sei? | Rinotanga Rini? | Chinoshanda sei? | Chokwadi Pamusoro peObacacare