COBRA vs. vs. Marketplace Inishuwarenzi Paunorasikirwa Nebasa
Ichizivikanwa sechinhu chinodhura, chine nguva pfupi, COBRA ndiyo yaimbova yeruzivo rwega yega inowanika kuvhara inshuwarisi yehutano gap pakati pemabasa.
Kuwana mitemo yakafanana yemunhu kana yemhuri pamusika wakashama usingashandisi kana kuti hausviki kuvanhu vakawanda. Izvozvo zvakashandurwa nekupfuura kweAne Affordable Care Act (aka Obamacare).
Pasi peObamacare, hurumende yeHealth Insurance Marketplace inopa vanhu nzira yekuzvitengera iwe pachavo, kuona kuti mapurani evanhu pachavo uye emhuri anoenzanisa sei neCOBRA uye anosarudza kuti ndeipi nzira inonzwisisika iwe. Ramba uchifunga, sarudzo haisati yava neinishuwarenzi kuburikidza neCOBRA kana kuti hauna inshuwarisi zvachose. Kungoenda pasina kuvhara hakusi kusarudzwa. Kunyange kana iwe uri-pakati pemabasa, kana iwe uri-pakati pehutano inshuwalense, iwe unogona kuzvipa mari yakawanda.
COBRA vs. Misika yeMashure Mushure mekufa kweJobho
COBRA ichiri kupiwa kuvashandi vanorambidzwa kana kubviswa kubva kubasa, asi mazuva ano kune imwezve mhinduro inogadziriswa. Paunobva kana kurasikirwa nebasa rako, zwindo rinotanga kuHurumende Health Health Marketplace, kwaunogona kutengesa zvirongwa munharaunda yako kana nzvimbo.
Kazhinji iwe unogona kunyora kuhutano hwehutano inshumo paMusika pakati peNovember 15 neFebruary 15. Zvisinei, kana iwe ukasiya basa kunze kwemazuva ekunyorwa kwemazuva ose, iwe une firiji rako remazuva makumi matanhatu ekunyora kuti utenge uye unyore kugoverwa.
Kunyange kana iwe uchida chirongwa chako chezvino uye uchida kutora COBRA, inobhadhara kushanyira Marketplace uye kuenzanisa mari.
COBRA inowanzoonekwa sokusarudza mari inodhura, asi inogona kunge yakaenzana nemari kune mamwe mapurogiramu zvichienderana nekunogara kupi uye yehuwandu hwekugovera. Gara uchiyeuka kuti kuburikidza nehurumende yeMusika, iwe unogona kukodzera kutenga mari yekubhadhara mari yemari yepamusoro, Child Health Insurance Premium, kana Medleaid yakasununguka kana yakaderera inoenderana nemari yako yaunowana uye inotarisira.
Kuti uwane kugoverwa nemitengo munharaunda yako, unogona kushanyira healthcare.gov uye kuenzanisa paIndaneti kana kudana 1-800-318-2596 nemibvunzo. Iwe haugoni kuziva mari yakazara yehutano hwako hwehutano kusvikira iwe uongorore uye uone kuti ndezvipi zvingashandiswa kwauri.
Nzira Yokuderedza COBRA kuMuiti weMusika
Kana iwe ukasarudza kutora COBRA ikozvino, hwindo reMusika richavhara. Kana iwe uchida kutengesa iwe pachako kugoverwa mune ramangwana, iwe uchafanirwa kumirira kusvika panguva inotevera yekunyora kuzarura kuzotenga hurongwa hweMusika.
Iwe unogona kuderedza COBRA chero nguva panguva yekunyora yakasununguka kuti utengese purogiramu yako. Zvisinei, kana isiri nguva yekunyora yakasununguka, unofanirwa kubatana neCOBRA kuparidzira kunze kwekuti iwe uwane inshumo kuburikidza nemushandirwi mutsva.
Kana hupfumi hwako hweCOBRA huguma, unofanira kuwana inshuwarano yehutano iwe pachako. Kana kugoverwa kwako kuchiguma munguva yekuti iri kunze kwekunyoresa nguva yakasununguka, firiji remazuva 60 yekutsvaga Kugovera Marketplace ichazarurirwa zvakare.
Kwete Icho Chinhu: Kusakwanisa Kuvhara
Pasinei nokuti iwe unosarudza kutora COBRA kana kutenga chirongwa cheMusika, kugoverwa kwehutano kunofanirwa. Kusarudza kunze kwehutano hwehutano hakusi kusarudzwa kunonzwisisika, nokuda kwezvikonzero zvakawanda kupfuura imwe.
Dzimwe Nyaya Nyaya: Kubatsirwa Kwevashandi Paunobva Mubasa Rako
Kunobva: healthcare.gov