Dzidza Nezvekubatanidzwa Kwemari Yekubhadharwa Kwemabhadharo Mutemo
Kazhinji, kuparidzirwa kweCOBRA kunogara kwemwedzi 18, kunyange mune dzimwe nguva, inogona kuwedzera kwenguva refu.
Maitiro eCOBRA Anoshanda
Zvirongwa zvehutano zveboka zvinobata 20 kana kupfuura vashandi vanofanirwa kupa COBRA zvinobatsira. Munyika dzinenge makumi mana, kune mini-Cobra semitemo inoshanda kumakambani maduku, kazhinji avo vane vashandi 2-19. Vashandi havafaniri kubhadhara mari yepamusoro yehutano yehutano yehutano pasi peCOBRA. Mushandi ndiye ane mutero wekubhadhara kwemaripo yemwedzi, kusvika kusvika ku10% yemari yeurongwa.
Pamakambani mazhinji, inshuwarhu yehutano inotsigirwa neanoshandisa. Izvozvo zvinoreva kuti vashandi havabhadhari chikwereti chakakwana chemari yeurongwa, asi chikamu chimwechete, kana mune dzimwe nguva, vashandi havabhadhari mari yepuriyamisi zvachose. Saka kubhadharwa kweCOBRA kunogona kuve kwakakosha zvikuru kana kuchienzaniswa nevashandi vanovhara vakagamuchira kuburikidza nevashandi vavo vachiri kushanda. Kubatsirwa kurikugonesa kuchengeta iwe wakaenzana nehuwandu hwe inshuwarheni uchitsvaga basa idzva kana kutsanangura matanho anotevera - haufaniri kushandura vanachiremba uye mari yezvamakatema yako icharamba iri yakafanana.
Kana iwe uchikwanisa kubhadharwa neCOBRA, wako waunoshandira anodiwa kuti azoudza kambani yehutano yehutano yemuitiko, sezvo inokukodzera iwe kuti ugoverenge. Iwe uchange uine mazuva makumi matanhatu kuti usarudze kana iwe ungada kusarudza kugoverwa kweCOBRA. Iwe hauzotongorori kubhadhara.
Kunyangwe mushure mokunge iwe ukasarudza kupinda, kubhadhara kwako kwekutanga hakusi kwekukurumidza asi kunofanira kuitwa mukati mememazuva makumi mashanu emasarudzo eCobra.
Zvose zvinowanikwa mushure memwedzi ndezvenguva yenyasha uye hazvifanirwi kusvikira mazuva makumi matatu ezuva rakakodzera
Izvi zvinobatsira zvikuru - kana iwe uchifunga kuti iwe unogona kuwana basa idzva neinishuwarenzi kubhadhara musati mvumo yaita, iwe unogona kunonoka kuripa iyo kusvikira pamaminitsi ekupedzisira, uchiziva kuti kugoverwa kwako kunoshandiswazve.
Taura neDhipatimendi reMabasa reUnited States, Employee Benefits Security Administration, 866-444-3272 kuti uwedzere kujekeswa. Taura neHurumende Dhipatimendi reBasa kana iwe ukashanda kune mushandi ane vashandi vasingapfuuri makumi maviri uye une mibvunzo nezve mini-Cobra mitemo.
COBRA uye neChinakidza Care Act
Nharaunda ye Affordable Care Act (ACA) mune dzimwe nzira yakaderedza kukosha kweCOBRA. Izvozvo ndezvokuti ACA inopa nzira iri nyore kuti vanhu vatenge utano hwehutano. Zvingaita kuti kutenga inshuwalisi kuburikidza nehutano hwehutano hwehutano hwako huchave husina mari kudarika kusungirirana nemushandi wako-based health insurance.
Pamberi peAACA, COBRA yakanga iriwo inobatsira nokuti yakaratidza kuchengetedzwa kwakasimba - chinhu ichi chaikosha kune vanhu vane mamiriro ezvinhu akambovapo, avo vakaedza kuwana inshuwalisi. Pasi pe ACA, hapana munhu anogona kukanganwa kana kutongerwa zvimwe zvehutano hwehutano nekuda kwehutano hwavo.
Mukuwedzera, zvikwereti zvevakuru zvinogona kunge zvisingagoni kudarika katatu zvakanyanya sezvazviri kune vechidiki.
Heano mamwe emamiriro ekuchengetedza mupfungwa kana uchisarudza kana iwe uchida kupinda muCOBRA kana kutenga chirongwa pasi pe ACA:
- Mariro: Sezvambotaurwa pamusoro apa, zvinogona kuti kugoverwa munzvimbo yako kunogona kudhura pasi pe ACA. Zvisinei, zviito zvenguva pfupi nehurumende yehurumende zvakatungamirira kuwedzera mari yeAACA zvingasarudzwa zvinoshandiswa kuburikidza nekugoverana. Kubviswa kwesimba revanhu kuti vave neinishuwarenzi uye kuwedzera kwemikana yehurumende kupa hurongwa hwenguva shoma hurumende isina kubhadharwa ACA inotarisirwa kuvharidzirwa yakaendesa vamwe vanhu vane hutano kubva kuAACA uye yakasimudza miriyamu yevanhu vashoma vane utano vakasara. Mukuwedzera, kuramba kwaMutungamiri Trump kutsigira mari yekugovera rubatsiro kune hurumende kwaitawo kuti zvikwereti zvikwidzike.
Pasi peAACA, kunewo mari-inowanikwa mari inowanikwa. Kana munhu akatenga kugoverwa kuburikidza nekutsinhanisa panzvimbo yeCOBRA, rubatsiro runobva pane zvamunowana mumwaka iyo mutemo uri kushanda. Mune mamwe mazwi, rubatsiro runobva pane zvamunowana mune gore raunoshandisa, kusanganisira kuvhara mumari kana mushure mekunge basa rako rapera. Zvisinei, pane dzimwe nguva, vashandi vanogona kuvhara mishonga yemwedzi yeCOBRA yemwedzi sechikamu chekuvhara pasi; kana zviri izvo, COBRA inonyanya kushandiswa kushandiswa.
Unyanzvi: Kana iwe uri pakati pekurapa, kuchengeta vanachiremba mumwechete uye mazinga ekugoverwa kungave zvakakosha. Vamwe vanhu vanogona kusarudza kuchengeta COBRA pasinei nehotera nekuda kwekuziva uye rugare rwepfungwa. Uyezve, kuwana chirongwa chinokodzera zvido zvako pamusika wako wekutengesa kunotora nguva; zvingaita sezviri nyore kungoomerera nehutano inshuwarano iwe watoziva kare, kunyanya.
Henry J. Kaiser Family Foundation yakabhadharwa neAncsidy Calculator iyo icharatidza hutano hwakasiyana-siyana hwehushuwarisi uye mapiamisi ane ruzivo rwemhuri shoma.