Mibvunzo Inowanzoitwa Nevashandirwi Nezvebatsiro
Zvikomborero zvevashandi zvinogona kuva nyaya yakaoma kune chero munhu upi zvake anobata basa, kunyange kana iwe wakanyora mavari kakawanda pamusoro pemakore. Chikonzero cheizvi ndechokuti inshuwarhu yehutano uye mushandi anobatsira marusi ari kuramba achichinja. Gore roga roga, zvitsva zvinoda kubuda, mazuva ekunyora akazarura zvakaderedzwa, uye kusarudzwa kwezvirongwa zveboka kunowedzera zvakaoma kududzira. Ndechikonzero chezvikonzero izvi kuti tanyora mhinduro yemibvunzo inowanzobvunzwa iyo kushanda kwevanhu kune zvevashandi vavo vanobatsirwa.
Ndeapi mhando dzose dzeboka rebasa rebasa randingave ndakakwanisa?
Mhando dzevashandi vanobatsirwa zvinowanikwa kune vashandi vanoita zvisingagoneki, asi vashandi vakawanda vanofanirwa kupa huwandu hwekuvhara pasi pasi peCountable Care Act. Izvi zvinowanzobatanidza inshuwarano yehutano, kugoverwa kwemishonga, uye mazino emeno kune vana vaduku. Zvose zvikomborero zveboka zvinopiwa nevashandirwi vanoda kukurudzira hupenyu hwevashandi vavo, saka vanofanirwa kutarisa. Izvi zvinogona kuva zvikwereti zvakakwana zvakadai sekuratidzwa kwemaonero, nhoroondo dzekuchengetedza hutano, hurongwa hwekuchengetedza mararamiro, inshuwarisi yehupenyu, yemazuva mashomanana uye kwenguva yakareba yehutachiona hwekuremara, zvirongwa zvekuchengetedza mari, kupatsanurwa kwenheyo, nezvimwewo.
Kunewo huwandu hwezvipo zvekuzvipira izvo vashandi vanogona kubhadhara, asi pamakwikwi akawanda emapoka evanhu, kusanganisira motokari nemisha yeimba inishuwarenzi, kuchengetedzwa kwekenza, zvirongwa zvekuchengetedza zvipatara, kubhadhara inshuwarisi yehupenyu, kushandiswa kwekutengeswa kwezvitengo, nevamwe.
Pakupedzisira, zvakawanda zvebasa izvo vashandi vanonakidzwa vanobhadharwa zvakakwana nevashandi, uye vanogona kusanganisira nguva yakabhadharwa (zororo, kurwara, uye munhu oga), zvirongwa zvehutano hwevamwe uye vanodzika muviri vakavhara, zvigaro zvakadai sekuchengetwa kwemasikati uye kudya kwakasununguka, kambani inotsigirwa zviitiko, kudzidziswa uye hurongwa hwekufambisa, dzidzo yekubhadhara, uye zvimwe.
Dzidza pamusoro pehuwandu hwemabasa anoshandiswa zvinobatsira pano
Sei ndichifanira kunyoresa mubasa rinobatsira kana ndiine hutano?
Izvozvo zvinogona kuita sezvinonzwisisika kuti kana munhu ane utano, saka sei uchitenga inshuwarisi yehutano? Asi, izvi zvakafanana mukufunga, kana ini ndiri mutyairi akachengeteka, nei uchitenga auto motokari? Kutanga, pasi pe ACA, vatengi vanofanira kutenga inshuwarisi yehutano kana kuti kugoverana mune chirongwa chekugoverana kwehutano, kana kuti vachasangana nemitero yezororo. Chechipiri, kuva nehutano yveshuwarisi inoita kuti vatengi vawane rubatsiro rwekuchengetedza utano hwekudzivirira hunobata zvipingamupinyi vasati vava noutano hwakakomba hwehutano.
Pachinhu chiduku, vatengi vanoda hutano hwehutano inshumo yekuvadzivirira munyaya yehosha yakaipa kana yengozi iyo inogona kuvhara nyore chero munhu upi zvake ane chirwere chakakomba kana chirwere. Rugare rwepfungwa uye kuchengetedzwa kwemari kune zvikonzero zvakakwana zvekunyora muzvibatsiro.
Ndingaziva sei rudzi rwebasa rinobatsira zvandinoda?
Uyu mubvunzo uri woga, zvichienderana nezvido zvako zvakasiyana-siyana uye mararamiro ako. Munhu mumwe nomumwe ane mhosva yehupenyu hwake, kunze kwevana vaduku vanoda vabereki vavo kuti vavatsire. Kuti uzvipindure mubvunzo uyu iwe pachako, tsvaga kuti zvipi zvehutano zvingangodaro zvaunogona kuita mugore rinouya.
Unogona kutarisa kumashure, nhoroondo yehutano hwako, zvinetso zvezera rako zvekuongorora zvingada iwe, uye chero kurapa kwekurapa kwawakawana. Iwe uchange uchitarisa pane zvimwe zvinhu zvakare, zvakadai sokuti bhajeti yako inobvumira maererano nemari yepuraimari yepamwedzi uye kunze kwehomwe mari.
Iwe une zvinangwa zvehutano zvakakosha zvokusvika gore rino here? Iwe unogona kusarudza hurongwa hunosanganisira kuwanikwa kune zvikwereti zvekurasikirwa kwekurema, kubatsirwa kwepfungwa, kana mapurogiramu ekurega kusvuta. Zvadaro pane zvinoda zvepamutemo. Iwe uchada hurongwa hwehutano hwehutano hunosangana neAACA zvishoma zvido.
Verenga zvakawanda pamusoro pokusarudza zvikomborero zvakakodzera pane zvaunoda pano
Ko kana ndichingodikanwa kuchengetwa kwehutano kune avo vanovimba neni?
Zvinowanzokurudzirwa kuti kana kambani yako ichipa hutano hwemapoka eboka, iwe unogona kuwedzera mari yako nekunyora muurongwa hwekuvhara mhuri.
Zvisinei, kubva paukuru hwemhuri yako, mari yako, uye makore evana vako - unogona kukwanisa kuwana mari shoma yehutano yehutano nekuda kwavo chete. Vamwe vanoti vane zvipo zvakawanda zvekuwana mari kuvabereki vari kushanda vanoda rubatsiro rwehutano rwehutano kuvana.
Ndingave rini kunyora mubasa rangu kubatsirwa kubasa?
Iwe unofanira kutanga utarisa nemumiririri wako wevanhu vanoziva kuti chii chaunobatsira vashandi, uye kana iwe uchikodzero yekunyora muurongwa. Sangano rimwe nerimwe rinogona kuva nemitemo yakakomberedza nguva yekumirira kusvikira vashandi vatsva vakakodzera kana kusvikira nguva inotevera yekunyora inotanga. Izvi zvingangodaro zvisingatsanangurirwa kwauri pawakatanga kubhadharwa, kana ruzivo rungangowanikwa mubhuku rebasa rekambani yako.
Mune zvimwe zviitiko, mushandirwi wako angangotanga kuudza vashandi apo gore rekubatsira kunyoresa kunotanga nekuguma, saka teerera maziso aya. Izvi zvinogona kuuya nguva inenge yakapoteredza kuguma kwegore rekutengesera kwekambani yako (kwekupedzisira kwezhizha) kana pedyo nemagumo egore mukugadzirira chirongwa chinotevera gore (November kusvika December).
Kana ndikawana mhindu matsva, ndinofanira kushandura vanopa utano here?
Izvi zvinowanzoshungurudza pakati pevashandi, nokuti ivo vanowanzobatanidzwa nechiremba anodiwa kana boka rechipatara. Mashoko akanaka ndeokuti makambani akawanda einishuwarenzi anoshanda nemakambani makuru ehutano hwehutano munzvimbo dzose uye munzvimbo. Saka, chirongwa chekuchengetedza utano chakakubatsira kuti ushanyire imwe chiremba kana chipatara chingaguma, asi kugoverwa kwako kutsva kuchakubvumira kuti iwe uenderere mberi nehanya kwakadaro.
Nzira yakanaka yekuwana nayo usati wanyoresa pane chirongwa chakakwana ndokushanyira webhusaiti yemutevedzeri uye ita nekukurumidzira kune vakupa utano hwehutano. Iwe unogonawo kudana wako mupiro zvakananga uye kubvunza kana vakagamuchira zvirongwa zvehushuwarisi zvauri kupiwa pabasa. Muzviitiko zvakawanda, vachagamuchira inshuwarisi yako itsva pasina dambudziko zvachose.
Ndinokwanisa kuita shanduko kune vashandi vangu vanobatsirwa zvinoshandiswa - kana zvakadaro, sei?
Hungu, zvinokwanisika kuita shanduko kune zvamunobatsira. Pane nzira nhatu iyo nhengo yehutano yehutano inogona kuchinja. Chokutanga ndechekushandurwa kwebasa uye kupiwa hutsva. Kazhinji, iwe uchava nehuwandu hwemazuva mushure mekukodzera kwako nguva yekuita shanduko kune zvaunobatsira uye kunyora muurongwa hutsva. Izvi zvinogona kusiyana nemushandi, asi zvinogona kunge zviri mukati mezuva rekutanga kusvika kune makumi matatu kusvika kune makumi mana pabasa.
Chechipiri iwe unogona kuita shanduro kune chirongwa chekubatsira pane panguva yekunyora yakasununguka panzvimbo yako yebasa. Nguva yekunyora yakasununguka inowanzoziviswa nekambani kamwe chete kana kaviri pagore, panguva iyo vese vashandi vakakodzera vanogona kunyoresa kana kutizve kunyoresa mumapoka avo kubatsiro kwegore rinouya rerongwa. Vashandi vanogonawo kuchinja kune zvavanobatsira, zvakadai sokuwedzera kana kubvisa munhu anovimba naye, kuvandudzirwa kurongwa nechechi yakaderedzwa, kuwedzera kuwedzera kubatsiro, kana kuchinja zvirongwa pamwe chete.
Nenguva yechitatu iwe unogona kugadzirisa pane zvaunofunga iwe apo iwe kana wako wako unowana chiitiko chekufananidzira. Chiitiko chehupenyu chinofananidzira chinogona kusanganisira kurasikirwa kwebatsiro nekuda kwekushanda kwebasa kana kupera, kuberekwa kwekufa kwevanhu vanovimbika, kubvumirwa kwevana, kurambana kana kuroorana, kuva mugari weUnited States, uye kutamira kune imwe mamiriro ezvinhu ayo Tipe chirongwa chako chezvino. Pane dzimwe mamiriro ekureruka anobvumira kuchinja muzvibatsiro, saka iva nechokwadi chekutarisa nedhipatimendi rako revanhu kuti uwane mamwe mashoko.
Iwe unogona kuverenga zvakawanda pamusoro pezviitiko zvehupenyu zvinofanirwa pano
Kana mushandi wangu asingabatsiri zvandinoda, ndingabatsirwa kupi?
Kunyange zvazvo vashandi vane vashandi makumi mashanu kana kupfuura vanofanira kupa ruzivo rwehutano hwehutano hwakanaka pasi peAACA zvinoda, izvi hazvirevi kuti zvirongwa zvinopiwa zvinenge zvakakwana. Kana iwe ukazviwana uri mumatambudziko aya, pane zvimwe zviito zvaunogona kutora.
Kutanga, ronga purogiramu nemibatsiro mutongi panzvimbo yako yepamabasa uye taura pamusoro pezvaunoda. Pane chiitiko chakanaka chokuti kambani inogona kukuisa mukutaura nemupiro wekuzvipira wekupa iyo inogona kuva nezvimwe zvezvaunoda kuti uzadze mikana. Kana iwe unogona kukodzera kutengesa hurongwa hwako pachako uye unoshandisa mukana wetsanangudzo yakatsanangurwa, iyo inoshandiswa nemushandirwi wako ane capped dollar inobhadharwa kubhadhara mari yemabhadharo gore negore.
Chechipiri, iwe unogona kutarisa nehurumende yemusika mutengesi (kana nyika yako inobatanidzwa) uye utengese zvirongwa zvehutano hwehutano pano. Tumira mashoko aya kumunhu wako kumubhadhari. Zvichienderana nekutora kwako uye ukuru hwemhuri, iwe unogonawo kuwana mari yehurumende kuti ubatsire kubhadhara mari yako yemainishuwarensi yehutano. Kana iwe unogona kukodzera kuwana hutano hwehutano hwevanhu, hwakadai seMedicaid.
Pakupedzisira, iwe unogona kutora chirongwa chekugoverwa kwehutano hwehutano kana chirongwa chekutsvaga chirongwa chekudzivirira uko iwe unogona kubhadhara purogiramu yakadzika pamwedzi uye kuwana maitirwo emitengo yakaderera. Kunewo mari shoma inobhadhara mari inowanika pamapoka eboka, nokuda kwezvinhu zvakadai semeno uye maonero ekutarisira, zvinyorwa, nezvimwe. Izvi zvinogona kuderedza kushandiswa kwebhajeti yako.
Kana ndikashanda zvishoma kudarika nguva yakazara, ndinogona here kuwana zvigaro kuburikidza nemushandi?
Nhamba inowedzera yevashandi yave ichiziva kuti chikamu chevashandi nguva inodawo kuwana rubatsiro rwekutarisira utano. Zvichienderana nechinangwa chekambani yako pane izvi, unogona kukodzera kubatsiro rweboka rehutano kana ukashanda zvishoma kuti maawa 40 ari pavhiki. Tarisa nebazi rako revanhu kuti uwane zvakawanda. Funga kuti makambani anowanzopa zvakawanda zvinowanikwa kune vashandi vese vanogovera nguva inogona kushandisa zvakadai - sekubhadhara nguva nguva, nguva yekurwara, kuronga mafashoni, kushandiswa kwebasa, mabhonasi, hurongwa hwehutano hwakanaka, zvokudya zvisingabhadharwi uye zvinwiwa, uye ruzivo rwekugadzirisa unyanzvi.
Iwe unogonawo kuverenga pamusoro pezvikomborero zvezvikamu zvenguva uye vashandi venguva pfupi pano
Ndingasarudza sei pakati pekubatsirwa kwandinoitwa nemushandi anowirirana nevatengi vemisika?
Paunenge uchitenga kunotarisira inshuwalhu yehutano, zvakakosha kunyatsocherechedza zvinobudirira uye zvakanakira zvezvirongwa zvinopiwa nemushandi wako uye izvo zvinowanikwa kuburikidza nedzimwe nzira - dzakadai sedare rekusika. Nyanzvi nyanzvi dzinokurudzira kuti uone kuti zvirongwa zvipi zvinopa uye mizinga kuburikidza nehutano hwehutano hutengesheni mushure mekunyora kuzarura nguva, iyo inogona kusimbisa vatengi vane mamwe mashoko. Muzviitiko zvizhinji, boka racho rinobatsira zvirongwa zvichave zvitatu-zvizere, zvichireva kuti uchakwanisa kusarudza iyo yakagadziriswa uye kunze kwemahombekiti ekugadzirisa ayo bhajeti yako ichabvumira, pamwe chete neurongwa huchabviswa uye kugoverwa kwemiganhu iwe pachako uye vanovimba navo.
Heano mamwe mazano akanaka. Sarudza hurongwa hunopa huwandu hwakawanda hwekugoverana, uye pasi pegore rinotapudzwa deductible, uye mwedzi wepamwedzi wepamwedzi waunofanira kubhadhara. Ramba uchifunga kuti kana iwe uchitenga inshuwarano yehutano mumusika, iwe uri kuita saizvozvo nemari yakabhadharwa. Kana iwe uchitenga boka rako hurongwa hwehutano hwehutano kuburikidza nemushandi wako, zvakabviswa zvinotorwa kusati kwabhadhara, izvo zvinoreva kuti chikamu chako chaicho chiri chiduku.