Yintoni ipremiyamu yempilo yeinshurensi?

Inkampani yezeMpilo ichaziwe

Intlawulo ye-inshurensi yezempilo yintlawulo oyihlawulayo, ngesiqhelo ngenyanga, yokugubungela impilo yakho. Ngokufana nobulungu beklabhu, kufuneka uhlawule ipremiyamu ukufikelela kwi-inshurensi yakho yezempilo, kwaye usahlawuliswa nokuba awusebenzisi i-inshurensi. Kukho ezinye iindleko ezinxulumene neinshurensi yakho yezempilo, nayo, kubandakanya ukuqinisekiswa kwemali, ukukhuphela kunye nokutsalwa .

Ukuba uthenge umgaqo-nkqubo weinshurensi yezempilo ngokwakho (umzekelo, ngoMthetho woKhathalelo ongenakufikeleleka, okanye i-ACA, indawo yentengiso yeinshurensi yezempilo) uhlawula ipremiyamu kwinkampani yeinshurensi yezempilo. Ukuba ufumana i-inshurensi yezempilo evela kumqeshi wakho, ungafumana isabelo sakho sepremiyamu (okt, nantoni na angayihlawuliyo umqeshi wakho) itsaliwe kumvuzo wakho.

Yimalini ipremiyamu yeinshurensi yezempilo?

Ngokwe-Kaiser Family Foundation, iindleko eziqhelekileyo zonyaka ze-inshurensi yempilo ye-inshurensi Umntu ongatshatanga ngo-2019 wayeyi- $ 7,188 kunye ne-20,576 yeedola kusapho . Olu lukonyuka lwe-4% kunye ne-5%, ngokwahlukeneyo, ngaphezulu kwamanani e-2018.

Iindleko zomshuwalense wakho we-inshurensi yezempilo ziya kuxhomekeka kwizinto ezininzi, utshilo urhulumente wobumbano kwezempilo.gov . Ziquka:

1. Uhlala phi. Akukho nto imangalisayo apha, kodwa abo bahlala kwiindawo zelizwe apho iindleko zokuphila ziphezulu banokulindela ukuhlawula iindleko zonyango oluphezulu, kubandakanya neinshurensi yezempilo.
2. Ubudala. Ngenxa yokuba bathanda ukuba neengxaki zempilo ezimbalwa kunabantu abadala, abantu abancinci ngokubanzi basebenzisa kancinci iinkonzo zonyango kwaye ke ngenxa yoko bahlawuliswa iipremiyamu eziphantsi. (Ayisebenzi kwizicwangciso ezixhaswe ngumqeshi.)
3. Ukusetyenziswa kwecuba. Abantu abasebenzisa iimveliso zecuba banokuhlawuliswa ukuya kuthi ga kwiipesenti ezingama-50 ngaphezulu kwi-inshurensi yabo yezempilo kunabo bangazisebenzisiyo. (Ayisebenzi kwizicwangciso ezixhaswe ngumqeshi.)
4. Ongatshatanga nocwangciso losapho. Isicwangciso sosapho siquka amalungu osapho amabini okanye nangaphezulu. Ukongeza iqabane kunye / okanye abantwana kwisicwangciso sezempilo kuyonyusa ipremiyamu yenyanga. Ababhalisi bahlawuliswa umntu ngamnye ohlawulwe sisicwangciso.
5. Ubungakanani benkampani. Kwizicwangciso ezixhaswe ngumqeshi, ubungakanani benkampani osebenzela kuyo bunokubonisa ukuba ngaba banepremiyamu ephezulu okanye esezantsi.
6. Uhlobo lwesicwangciso. Kukho iintlobo ezintlanu zezicwangciso zeinshurensi yezempilo kwindawo yentengiso ye-ACA: ubhedu, isilivere, igolide, iplatinam kunye nentlekele. Kwiimeko ezininzi, ukuphakama kwepremiyamu kunye nolunye lwezi zicwangciso, ukuthoba kwakho kuya kuncipha kuya kuba-kwaye kungenjalo.

Izinto ezimbini ezingafanelekanga ukunyusa iindleko zakho zepremiyamu zesini sakho kunye nemeko yezempilo esele ikho. Ngezicwangciso ezintsha, ezihambelana ne-ACA, akukho semthethweni ukuba umboneleli we-inshurensi ahlawulise amadoda nabasetyhini amaxabiso ahlukeneyo kwisicwangciso esifanayo. Kananjalo abanakukuhlawulisa ngaphezulu ngesicwangciso kuba unayo okanye unokuba kwimeko enje ngeswekile okanye umhlaza. Okukuphela kwento eya kuthi ibe zizicwangciso zokuzalwa, ezandulela i-ACA.

Kwenzeka ntoni xa ndiyeka ukuhlawula ipremiyamu yam ye-inshurensi yezempilo?

Iindleko eziphezulu zeinshurensi yezempilo zinokunika ikhefu elinemali eninzi. Kwaye ngamanye amaxesha kunzima ukuhlengahlengisa isidingo sento onokuyisebenzisa (i-inshurensi yezempilo) xa ithelekiswa nemfuno yento ekhawulezileyo- njengokutya kunye nemali yokurenta.

Kodwa ukuba uyeka ukuhlawula ipremiyamu yempilo yakho, i-inshurensi yakho inokuphelelwa. Oko kuthetha ukuba awukwazi ukufikelela kukhuseleko lwakho lwezempilo kwizinto ezinje ngokundwendwela ugqirha okanye ukwamkelwa esibhedlele. Ukuba ufumana ukhathalelo lwakho lwezempilo kwindawo yentengiso ye-inshurensi yezempilo, unokunikwa ithuba lobabalo, ngesiqhelo kwiintsuku ezingama-90, phambi kokuba iphele ingxelo yakho. Kubalulekile ukuba uhlawule zonke iipremiyamu zakho oziphosileyo ngeli xesha lobabalo okanye i-inshurensi yakho yezempilo inokuyekiswa kwaye kuya kufuneka ulinde elandelayo ixesha lokubhalisa elivulekileyo ukubhalisa kwakhona. (Nangona kunjalo, kukho iikhrayitheriya ezimbalwa zokubangela ukubhaliswa okukhethekileyo, njengokufumana umntwana okanye ukutshintsha imisebenzi.

Ukuba unengxaki yokwenza iintlawulo zepremiyamu, unokhetho-nangona kungafuneka ulinde ixesha lokubhalisa elivulekileyo elilandelayo lokwenza naluphi na utshintsho. Ezinye izimvo ekufuneka ziqwalaselwe?

• Ukutshintsha izicwangciso. Ukuba unayo iPPO, ekuvumela kakhulu ukuba ubone ugqirha naphina ngaphandle kokudluliselwa, uya kuhlawula ipremiyamu ephezulu kunokuba une-HMO. Nge-HMO, ugqirha wakho oyintloko unxibelelanisa lonke ukhathalelo lwakho lonyango kwaye unokubona omnye ugqirha ngokuthumela okanye ukuba unengxaki kaxakeka.
• Ukuhamba ngesicwangciso esiphakamileyo esitsalwayo. Ukuxhuzulwa yimali ekufuneka uyihlawule epokothweni ngeenkonzo zononophelo lwempilo ngaphambi kokuba i-inshurensi yakho yezempilo iqale ukuthabatha ithebhu. Ngokubanzi, izicwangciso ezinokutsalwa okuphezulu zihlala zihlawulisa iipremiyamu ezisezantsi.
• Ukufumana inkxaso yerhafu. Ukuba uthenga i-inshurensi yakho kwimarike yeinshurensi yezempilo, unokufanelekela urhulumente wobumbano Ikhredithi ePhakamileyo yeNtlawulo . Kuya kufuneka uhlangane neenqobo ezithile, nangona kunjalo, kubandakanya ukungafaneleki kwiMedicaid okanye kwiMedicare.
• Inkqubo yoLondolozo lweMedare. Ukuba unayo i-Medicare kwaye unenkathazo yokuhlawula i-premium yakho yenyanga, unokufumana i-Medicare Savings Programme. Abaxhamli be-Medicare banokunxibelelana neSebe labo leenkonzo zentlalo (aka, iofisi yeMedicaid) ukuze ufunde okungakumbi.

Ezinxulumene: Ukutsalwa kweendleko zonyango ezili-11 onokuzibanga

Ungayigcina njani imigqaliselo ngesicwangciso sempilo esine-premium

Nokuba i-inshurensi yakho yezempilo ithatha i-deductible ephezulu okanye ipremiyamu ephezulu, mhlawumbi uchitha imali eninzi kukhuseleko lwezempilo.

Kwaye ke kukho iindleko zamachiza amiselweyo.

Ngamanye amaxesha, uya kuhlawula ikopi yeyeza. Kukho amanqanaba aliqela epopay kuxhomekeke kwichiza. Ngamanye amaxesha, iyeza alinakukhuselwa yi-inshurensi konke konke (okanye mhlawumbi awunayo i-inshurensi) kwaye kuya kufuneka uzinyathele ngokwakho iindleko zamayeza.

Nokuba yeyiphi na, iyahlawula (i-pun ijolise!) Ukujonga amakhadi ezaphulelo Njenge-SingleCare. Unokwazi ukufumana iyeza ngemali encinci kune-copay yakho okanye ukunciphisa okubalulekileyo ukuba awunayo-okanye ichiza alifihlwanga-yi-inshurensi. I-SingleCare inokukugcina ukuya kuma-80% kwimigqaliselo yakho. Into ekufuneka uyenzile kuku:

1. Khangela amayeza akho ku singlecare.com .
2. Khuphela (okanye itekisi okanye i-imeyile) ngokwakho ikhadi lesaphulelo se-SingleCare.
3. Bonisa ikhadi lakho lekhuphoni kwikhemesti xa ushiya iyeza lakho.

Kulula, simahla, kunye namakhadi esaphulelo esiyobisi seSingleCare anokusetyenziselwa lonke usapho kwiikhemesti ezingaphezu kwama-35,000 kwilizwe liphela.