Kuita Utano Inishuwarenzi Inobhadharwa neHDHP
Vakakodzera HDHPs zvirongwa zvinosangana nezvinodiwa kune avo vanoronga zvirongwa zvakare kushandisa hurongwa hwekuchengetedza hutano kana kuti yehutano rekubhadhara mari kubatsira kubhadhara mari yehutano mberi. Vamwe vatsoropodzi vanodavira kuti zvirongwa zvekuchengetedza zvakanyanya zvekurapa zvinokuvadza vatengi nokuti havatombobhadhari zvakakwana gore negore rakabviswa kare gore remagumo rapera, saka vanowanikwa kuderera kusvika panguva iyoyo.
Zvisinei, huwandu hwevashandirwi hunopa hutano hwakasarudzwa hutatu hwehutano hwehutano, uye HDHPs inowanzogadzirirwa zvirongwa zvakapiwa, kunze kweHMO uye mararamiro anotsanangurwa.
Hurongwa HWHH Hunoita Sei?
Vashandi vanogona kusarudza rudzi rweHDHP inopiwa kuvashandi. IHHHP inogona kubvumira chete mu-network kugadzira, kufanana neHMO, kana kubvumira kunze kwe-network, kufanana nePOS kana chirongwa chePPO. Kana urongwa huri mu-network hunobatsira chete, nhengo haigoni kuenda kunze kwekambani kana iyo yakagadzirirwa inosangana.
Neurongwa hunobvumira zvose uye kunze kwe-network kubatsirwa, nhengo dzinowanzowana zvikomborero zviri nani nokugara mu-network. Zvose-ne-kunze kwe-network zvipo zvinopiwa kuburikidza neHDHP chirongwa, kusanganisira chirongwa chechirongwa chemishonga kana chiripo, chinofanira kushandiswa kune iyo yakabviswa.
Zvakawanda, asi kwete zvose, zvirongwa zveHDHP zvichanyatsovhara chiremba chekuchengetedza uye chiremba kushanyira mari shoma, kunyange izvi zvisingafaniri.
Hurongwa hweHHHP hahufananidzi kuti uwane mari yekutanga yehutano yakadai sekudzivisa, nyanzvi uye maharareji anoshanyira. Pane kudaro, inofanirwa kuvhara zviitiko zvinotyisa zvakadai sezvirwere zvisingaperi kana kutarirwa kuchipatara. Ronga varimi vanofungidzirwa kubhadhara hofisi yezvokurapa uye nzvimbo yekubhadhara kusvikira nzvimbo yakabviswa inosangana. Kana imwe nhengo ichingosvika kune imwe yepamusoro-pfupa, yese yehutano inobatanidzwa pasina mari.
Chii chinonzi HDHP Deductible uye Out-of-Pocket Maximum?
Nhengo dzeHurongwa hweHDHP dzine mari yakakwirira yegore negore inokonzerwa nehutano hwavo hwehutano, sezvo zita rerongwa rinoratidza. Iyo yakagadziriswa ndiyo chikamu chemari iyo nhengo yeurongwa inofanira kupedza kubva muhomwe yake musati yatanga kuvhara mukati. Chikamu chikamu chemari iyi inobviswa inoputirwa neHSA kana HRA. Sezvimwe chikamu chemutemo, pane zvishoma zvishoma zvinokonzerwa nemiganhu yakatarwa gore negore uye kuchinjwa kwekuwedzera kwezvinhu, kune chirongwa chekufanirwa kuva HDHP.
IInternal Revenue Service (IRS) inosarudza miganhu yegore negore yezvirongwa zvehutano zvakanyanya zvakabviswa.
Deductible Minimum:
- Mumwe nomumwe: 2016 - $ 1,300
- Mhuri: 2016 - $ 2 600
Gore rega rega-re-rehomwe yepamusoro ndiyo yakawanda yemari iyo nhengo inobhadhara pamberi pehutano huripo huripo pasina mari.
Gore rega rega re-re-pocket rinosanganisira kubhadhara uye kubhadhara mari. Hazvibatanidzi muhuwandu hwemahombekombe hupenyu huwandu hunobatsira, hunowanzo, tsika yekodzero uye inonzwisisika (UCR) mari, zvipo zvinowanikwa zvinodiwa uye pre-certification zvinoda. Kufanana neHDHP inokonzerwa zvishoma, iyo yakabuda kunze kwehomwe inogadziridzwa gore roga roga nokuda kwekutengesa.
Kunze kwe-Pocket Maximum:
- Mumwe nomumwe: 2016 - $ 6,550
- Mhuri: 2016 - $ 13,100
Ikoko kunewo IRS inobvumirwa kuwana chipo kune avo vane makore 55 kana kupfuura kwe $ 1 000 pamunhu mumwe nomumwe.
Batsiro yevashandi
Sezvo HDHPs isina kupa huwandu hwehutano hwehutano, dzinopa mibayiro yakaderera kumutengi. Nezvikwereti zvakakwirira, zvinofungidzirwa kuti nhengo dzarongwa hazvikwanise kuona chiremba kunze kwekunge kuchirapa kuchidikanwa. Zvinofungidzirwawo kuti varwere vachatsvaga hutano hwehutano hunotipa kukosha kwakanaka kwedhora.
Kushandisa HSA kana HRA neHHHP kunogona kubatsira kuderedza mari yepamusoro, kana kuti kutsvaga nzira dzokubhadhara iwe pachavo nevatapi vanopa zvikwereti. Hurongwa hweHDHP hunoreva kuti vashandi vanobhadhara chikamu chekuwana chechikwereti chakaderedzwa, kuchengetedza mari pasi kune wese.