Ubhaliso oluvulekileyo lwe-ACA: Into ekufuneka uyazi malunga nezicwangciso zempilo ze-2021

Inkampani

Njengoko uNovemba esondela, lixesha lonyaka lokuba uqale ngokucinga ngemeko yeinshurensi yakho yezempilo kunye nesicwangciso salo naluphi na uhlaziyo kwinkcazo yakho. Nokuba uthathela ingqalelo i-inshurensi yezempilo njengomntu okanye usapho, kubalulekile ukuba uzilungiselele ixesha lokubhalisa elivulekileyo lokugubungela uMthetho woKhathalelo ongenakufikeleleka. Ithuba lokubhalisa elivulekileyo le-ACA kwizicwangciso zezempilo ze-2021 ziqala ngo-Novemba 1, 2020, ukuya ku-Disemba 15, 2020.

Nguwuphi umThetho woKhathalelo ongenakufikeleleka (ACA)?

Umthetho woNonophelo ongenakunceda (ACA), ngamanye amaxesha ubizwa ngokuba yi-Obamacare, ngumthetho wesigqeba osayinwe ngumthetho ngolawulo luka-Obama. Umthetho wawenzelwe ukonyusa ukhathalelo lwempilo kubantu baseMelika, ikakhulu ngokwandisa iinkonzo zeMedicaid kunye nokufaneleka, ukudala iindawo zentengiso ezisekwe kurhulumente, kunye nokutshintsha indlela ababoneleli nge-inshurensi ababonelela ngayo abantu abaneemeko ezingaphambi koko.

Ukuphunyezwa ngo-2010, izinto eziphambili ze-Obamacare zisekhona. Iindawo zentengiso zeinshurensi yezempilo ngamanye amaxesha zibizwa ngokuba zezokutshintshiselana nge-inshurensi yezempilo, zisekhona ukuba abantu bazisebenzise. Nangona kunjalo, kwi-2017, umthetho walungiswa yiCongress ngexesha lolawulo lukaTrump ukususa igunya lomntu ngamnye-isohlwayo serhafu kubantu abakhetha ukungabinayo i-inshurensi yezempilo.

Ndibhalisa njani?

Ngexesha lokubhalisa elivulekileyo, zininzi iindlela zokufumana ingxelo:

• Tyelela kwezempilo.gov . Uya kulandela imiyalelo yokubhalisa kule ndawo, okanye ulandele ikhonkco kwindawo yentengiso yelizwe lakho.
• Tsalela umnxeba kwezempilo.gov ngoncedo lokubhalisa e 1-800-318-2596 .
• Fumana iofisi yendawo ngoncedo kwisicelo sakho.
• Khuphela, ugcwalise, kwaye uthumele ngeposi ifomu yokufaka isicelo .

Ezinxulumene: Uyifumana njani i-inshurensi yezempilo

Ngubani olungele ukubhaliswa ngokuvulekileyo?

Ukuya fumana ingxelo Ngexesha lokungena elivulekileyo, kufuneka ube ungummi wase-U.S. (okanye ubenendawo yokungena elizweni ngokusemthethweni), uhlale e-United States, kwaye ungabanjwa.

Ngokuxhomekeke kwinqanaba lakho lomvuzo, unokufanelekela inkxaso-mali yokwabelana ngeendleko, eyilelwe ukunciphisa iindleko zokugubungela impilo. Inkxaso-mali (okanye irhafu yetyala yerhafu) ukufaneleka kuya kusekelwa kumvuzo wakho. Umgaqo osemgangathweni kukuba kufuneka ufumane ubuncinci i-100% yenqanaba lentlupheko, kodwa hayi ngaphezulu kwe-400% yenqanaba lentlupheko.

Amanqanaba emivuzo afanelekileyo atshintsha unyaka nonyaka ngenxa yokunyuka kwamaxabiso, kwaye uya kuba nakho ukujonga ukufaneleka kwakho ngo-Novemba. 1 ngewebhusayithi ye-ACA: healthcare.gov.

Nini ubhaliso oluvulekileyo?

Unyaka nonyaka kukho iwindow yexesha apho ungabhalisa kwisicwangciso se-ACA. Eli xesha libizwa ngokuba lithuba lokubhalisa elivulekileyo lonyaka.

Ixesha lokubhalisa elivulekileyo (i-OEP) lokugubungela ukuqala ngoJan. 1, 2021, liqala ngo-Novemba 1, 2020 ukuya ku-Disemba 15, 2020.

Amanye amazwe anikezela ixesha lokubhalisa elivulekileyo. Apha ngezantsi kukho itheyibhile eneenkcukacha ezithile zemihla ngemihla yobhaliso oluvulekileyo. Olu tshintsho unyaka nonyaka, ke qiniseka ukuba ujonge imeko yakho kwakhona ukubona ukuba amaxesha obhaliso andisiwe.

Amazwe	Vula imihla yobhaliso ye-2021
California	NgoNovemba 1, 2020 -Januwari 31, 2021
IColorado	NgoNovemba 1, 2020 -Januwari 15, 2021
IMinnesota	Novemba 1, 2020-Disemba 22, 2020
Inew York	NgoNovemba 1, 2020 -Januwari 31, 2021
IWashington DC	NgoNovemba 1, 2020 -Januwari 31, 2021

Ngaba ungabhalisela i-inshurensi yezempilo emva kokubhalisa okuvulekileyo?

Usenokuzibuza ukuba kwenzeka ntoni ukuba awusenzi isicelo sesicwangciso sempilo ngexesha le-OEP. Uninzi lwabantu abafuna ukhuselo, oko kuthetha ukuba nge-2021, unokuphoswa kukuhlawulwa kwe-inshurensi yezempilo.

Nangona kunjalo, kukho amaxesha obhaliso akhethekileyo (i-SEPs). I-SEP lixesha elingaphandle kwexesha lokubhalisa eliqhelekileyo apho abanye abantu banokufaka isicelo sokugubungela impilo. Unokufanelekela i-SEP ukuba ufumene Umnyhadala wobomi ofanelekileyo (QLE) oku kukuthintele ekufumaneni icebo lokhathalelo lwempilo ngomhla obekiweyo.

Ezinye iziganeko ezifanelekileyo ezinokwenza umntu afaneleke kwi-SEP zibandakanya ukutshata okanye ukutshintsha idilesi yakho yasekhaya, ukuba nosana, okanye ukulahlekelwa ngumshuwalense wezempilo ngomsebenzi. Ngokubanzi uneentsuku ezingama-60 ukusukela kumhla wesiganeko sobomi esifanelekileyo ukuze ubhalise kwisicwangciso sokhathalelo lwempilo, kungenjalo kuya kufuneka ulinde kude kufike i-OEP elandelayo ukuthenga isicwangciso.

Kubalulekile ukuba uqaphele ukuba nabani na angafaka isicelo seMedicaid okanye iNkqubo ye-Inshurensi yezeMpilo yaBantwana (CHIP) ngalo naliphi na ixesha unyaka wonke. Ukuba ufuna ukhuselo lwethutyana-umzekelo, ukuba uphakathi kwemisebenzi-unokulungela isicwangciso seinshurensi yexesha elifutshane.

Ngaphantsi kolawulo lukaTrump, ezi zicwangciso zexesha elifutshane, ezizezithuba eziphantsi kweenyanga ezilishumi elinambini, zandisiwe ukuze zikhuphisane neenketho zeinshurensi zemveli ezifumaneka kwiindawo zentengiso yezempilo.

Ngaba kukho isohlwayo sokungabikho i-inshurensi yezempilo kwi-2020?

Xa i-ACA yaqaliswa okokuqala ngo-2010, yayinefuthe elibalulekileyo kumthetho werhafu wase-US, ngokudityaniswa kwezohlwayo, izohlwayo kunye neerhafu zerhafu.

Ekuqaleni, ukuba ubungenayo i-inshurensi yezempilo kangangeenyanga ezilithoba zonyaka, kuya kufuneka uhlawule irhafu eyongezelelweyo. Nangona kunjalo, phantsi kolawulo lukaTrump, le rhafu yasuswa. Ukusukela ngo-2019, ukuba awuyithengi i-inshurensi yezempilo akuyi kufuneka uhlawule irhafu eyongezelelweyo.

Oko kwathethi, kukho amanye amazwe anyanzelisa isohlwayo sokungabinayo i-inshurensi yezempilo. Abantu eNew Jersey, kwiSithili saseColumbia naseMassachusetts banokujamelana nezohlwayo zerhafu ngokungayigcini i-inshurensi.

Ezinxulumene: Ngaba akukho inshurensi yezempilo? Zama ezi zixhobo

Ngaba i-ACA iwachaphazela njani amayeza am amayeza?

Ukuba ukhetha ukuthenga i-inshurensi yezempilo ngexesha lokubhalisa elivulekileyo, uya kukhawuleza uqaphele ukuba ayizizo zonke izicwangciso zeinshurensi ezenziwe ngokulinganayo. Yimalini kwaye ngawaphi amayeza agutyungelweyo anokuhluka kakhulu phakathi kwezicwangciso.

Yiyo loo nto kwi-SingleCare, nokuba nguwe unayo i-inshurensi okanye hayi , unokuxhamla kwikhadi lethu lokonga. Yibonise ekhemesti apho uthenga khona amayeza akho, kwaye abasebenzi baya kuba nakho ukufumanisa ukuba yeyiphi eyona inshurensi yezempilo ifikelelekayo kunye neyona ineendleko ezifanelekileyo kuwe-ixabiso le-inshurensi yakho, okanye ixabiso le-SingleCare.

Ezinxulumene: Iindlela ezili-10 zokonga kwiindleko zonyango

Ngenxa yokuba phantse Zine. Zihlanu% Abantu abadala baseMelika abanayo i-inshurensi ngokwaneleyo, awuwedwa ukuba ufuna iindlela zokunciphisa amaxabiso amayeza akho. I-SingleCare inokukunceda ugcine ukuya kuma-80% kwimigqaliselo yakho, nokuba awunayo i-inshurensi yezempilo. Cofa apha ukuze ufunde okungakumbi kwaye uqalise ukonga xa uzalisa kwakhona ngekhadi lethu lokonga simahla.