Mashoko pamusoro pehutano Makomborero evashandi vasingashandi
Ziva zvaunosarudza kuitira kuti uwane sarudzo yehutano inshuwarisi inoshandiswa mumamiriro ako ezvinhu.
Company-Yakapiwa Health Insurance
Kana iwe wakaraswa, iwe waunoshandira anofanira kuongorora zvikomborero zvaunofanirwa kugamuchira paunobva basa. Bvunza wako wako nezvekukodzera kwako kuti urambe uchigara purogiramu yehutano yekambani kuburikidza nemutemo we federal COBRA . Maererano neCOBRA, kana kambani yauri kusimuka ine vashandi vanopfuura 20, inotenderwa nemutemo kupa hutano hwehutano kuvhara vashandi kwemwedzi gumi nemasere. COBRA inoshanda kune vashandi vanozvipira kana kuti vasingabatsiri kusiya mabasa avo, kana kuti vanogara pakambani asi vanorasikirwa neinishuwarenzi (nemhaka yekuchinja mumaawa avo, somuenzaniso).
Kubatsirwa kweCOBRA ndechokuti iwe unogona kugara pane yako yehutano inshuwarano hurongwa, izvo zvinoreva kuti unogona kuona madherecheya akafanana wawave uchiona. Zvisinei, kukanganisa ndechokuti iwe unofanirwa kuribhadhara nekuda kwechikwata ichi (pamwe nekuwedzera mari yekutungamirira).
Ramba uchiyeuka kuti une firiji remazuva makumi matanhatu ekunyora muCOBRA mushure mokusiya basa rako, saka tarisa mune izvi sarudzo nokukurumidza.
Mune zvimwe zviitiko, vashandi vachabhadhara kubhadhara kwenguva shoma sechikamu chekuparadzanisa. Saka, zvakakosha kutaura nemushandi wako (kana dhipatimendi rebasa rako revanhu) usati wasimuka, saka unoziva kuti zvii zvaunogona kugovera.
The Affordable Care Act
Pasi pemutemo wezvematongerwo enyika weHomes Affordable Care Act (Obamacare), vashandi vasingashandi vanogonawo kuwana inshuwarhu yehutano kuburikidza neHurumende yeUnited Insurance Marketplace.
Market Market inopa vanhu nzira yekutenga utano hwehutano.
Kazhinji, vanhu vanofanira kusvitsa inshuwalhu yehutano muMusika panguva yekunyora. Zvisinei, kana iwe uchisiya basa kunze kwekunyoresa nguva yakakwana, iwe unokodzera kuNyoresa Period Period. Izvi zvinoreva kuti, kana uchingobva mubasa rako, une mazuva makumi matanhatu ekunyora kwemawindo ekutenga nekunyora muurongwa hwehutano kuburikidza neMusika.
Utano hwako hwehutano inshuwarhu (uye mari) huchasiyana zvichienderana nemari yako uye hukuru hwemhuri.
Tarisa Nehurumende Yako
Usati wasarudza purogiramu yemishuwarenzi, tarisa nehurumende yehurumende yveshuwarisi. Vamwe vanoti vanhu vanoshandisa inshuwarisi kuburikidza neFederal Marketplace, asi dzimwe nyika dzine nzvimbo yekutengeserana.
Kana ruzivo rukawanikwa kuburikidza nehurumende yako, mutengo wekugovera (uye kukwanisa kutora chikamu) kazhinji kunobva pane zvaunowana uye nhamba yevanhu vari mumhuri yako.
Mamwe Inishuwarenzi Options
Kana iwe uchingorasikirwa nebasa rako kana kuti kusina kushanda, kune zvimwe zvishomanana zvekuwana inshuwarano yehutano. Pasi pane dzimwe nzira dzaungatarisa:
- Medicaid inopa inshuwarhu yehutano yakasununguka kana isina mari kune vamwe vanhu vanobva pane zvimwe zvinhu. Vanhu vanogamuchira Mhuri Yenharaunda Yekubatsira Vanotambura (TANF), uyewo inowanzonzi sehutano, vanongogadzirira kuMedicaid. Vamwe vanhu vanogonawo kukodzera zvichienderana nemari yavo uye zviwanikwa; somuenzaniso, vanhu vane mari shoma, vakadzi vane pamuviri, vakwegura, vanhu vane hurema, nevamwe vanofanirwa. Tsvaga kana iwe unokodzera Medicaid.
- Vana Health Health Insurance Program (CHIP) chirongwa cheshuwarhu hwehutano hwehupachena kana husina mari. Tsvaga kana vana vako vakakodzera CHIP.
- Kana iwe uri pasi pemakumi maviri nemakumi mana uye usingashandi, unogona kuwana purogiramu ye inshuwarisi yevabereki vako. Vana vakakodzera havadi kuva vadzidzi venguva yakazara kana vanovimba.
- Makambani eInishuwarenzi uye dzakasiyana-siyana zvechikoro chehurumende dzinogona kupa inshuwarisi yenguva pfupi munharaunda yako.
- Zvibvumirano, masangano ekutengeserana, uye makambani-makambani ezvokuchengetedza mabhuku seBJ's Wholesale Club uye Costco angapawo marudzi akasiyana-siyana ehutano inshuwarisi.
Mazano Okuwana Utano Hwimishuwarisi Kana Usingashandisi
Kunewo dzimwe hutano hwehutano huripo hunowanikwa. Steve Trattner, Mutungamiri neMukuru Mukuru Wemabhizimisi weCinergy Health, anopa zvivigirano zvehutano wehutano kune vashandi vasingashandi:
- Taura nemushandi wako. Usati wasiya basa rako, iva nechokwadi chokuti unotaura nemushandirwi wako zvakadzama pamusoro pezvaunobatsira (kusanganisira inshuwarisi) kuti uwane pfungwa yekuti izvi zvichaguma. Iyi ruzivo ichakubatsira iwe kuita sarudzo pamusoro pemhando ipi yemainshuga yaunoda.
- Tanga kutengesa kune mumwe munhu inshuwarisi pakutanga . Inishuwarenzi yakaoma, uye iwe hausi kuda kuita chisarudzo kana chisina kudzidza. Tanga kutanga kuitira kuti iwe unogona kufungisisa zvaunogona kuita. Iwewo hausi kuda kutanga kutenga nguva, nekuti iwe ungaguma usina uninsured kwenguva pfupi. Izvi zvinogona kuva zvose zvine ngozi uye zvinodhura.
- Dzivisa kubhadhara chirango. Chimwe chikonzero chekutenga inshuwarisi pakutanga ndechokuti iwe unofanirwa kubhadhara hurumende yehurumende (inozivikanwawo se "chirango," kana "chiremera chega munhu") kana iwe usina chaanonzi chinofanirwa nehutano hwehutano. Kwemwedzi chero upi zvake hauna inshuwarisi, iwe unofanira kubhadhara. Pane zvipo zvichienderana nemamiriro ako (kusanganisira mari yako), asi izvi ndeimwe chikonzero chekudzivisa kuenda pasina utano hwehutano kune nguva ipi zvayo.
- Ita kuti mashoko ako agadzirire. Pasinei nokuti urikukumbira COBRA kana kuenda kune federal kana State Marketplace, iwe uchada kuva neumwe ruzivo rwakagadzirirwa. Iva nechokwadi kuti unoziva mari yako uye nhamba yevanhu vanovimba mumba mako. Iwe unogonawo kudikanwa Nhamba Yenyu Yekuchengeteka, ruzivo rwemitero, uye ruzivo pamusoro pehutano hwako hwehutano kana huripo hwehutano hwepanyika
- Ongorora zvirongwa zvehutano zvehutano zvichienderana nehutano hwako (kana mhuri). Somuenzaniso, zvirongwa zvehutano hwehutano zvinogona kukubvumira kuti usarudze zvakanyanya deductible, taura $ 5,000, kuitira kuti uwane purogiramu yakaderera zvikuru. Urongwa urwu huchapa ruzivo kana iwe unotarisana nechiitiko chinotyisa chechirwere, asi hausi kuzovhara tsika yako uye inofanirwa kutarisirwa kwehutano. Panewo zvirongwa zvenguva pfupi zvinowanikwa pakuguma kwemwedzi we6 kana wegumi nemwedzi uye inodhura zvishoma kudarika zvirongwa zvekurapa. Funga nezverongwa hupi huchashanda zvakanakisisa kwauri.
- Kusarudza hurumende isingasanganisi nzvimbo dzinoverengeka dzokurapa inosarudzo yekuderedza mari yako yepamusoro. Kune zvikwereti zvakaderera, zvirongwa zvishoma zvezvoutano zvinopa kugoverwa kwezvido zvemumwe munhu zvakanyanya kukurumidza, sekugara kwechiremba nekushanyira uye kwenguva pfupi yekugara kuchipatara, pasina kubhadhara.
Ongorora Ongororo
Zvakakosha kuziva kuti iwe une nguva shoma yekugadzirisa pamusoro pehutano hwehutano, naizvozvo nyatsoongorora zvingasarudzwa zvekuchengetedza kuparidzira nokukurumidza zvichiita mushure mekunge basa rako rapera. Heino mashoko pamusoro pekuongorora COBRA vs. Marketplace (Obamacare) inshuwarisi .