Kuru >> Kambani >> ACA kunyoresa kuvhura: Izvo zvaunoda kuti uzive nezve 2021 zvirongwa zvehutano

ACA kunyoresa kuvhura: Izvo zvaunoda kuti uzive nezve 2021 zvirongwa zvehutano

Kambani

Sezvo Mbudzi inoswedera, inguva yegore yekutanga kufunga nezve yako hutano inishuwarenzi chinzvimbo uye kuronga kwechero zvigadziriso kune yako yekuvhara. Kunyangwe iwe uri kufunga nezveinishuwarenzi yehutano semunhu kana mhuri, zvakakosha kuti uve wakagadzirira iyo yakavhurika yekunyoresa nguva yekuvhara kuburikidza neAnotengeka Care Act. Iyo ACA yakavhurika kunyoresa nguva ye2021 zvirongwa zvehutano inomhanya kubva munaNovember 1, 2020, kusvika Zvita 15, 2020.

Chii chinonzi Affordable Care Act (ACA)?

Iyo Affordable Care Act (ACA), dzimwe nguva inonzi Obamacare, mutemo wehurumende wakasainwa kuita mutemo nehutongi hwaObama. Mutemo wakagadzirirwa kuwedzera hutano hwekuchengetwa kwevaAmerican, kunyanya nekuwedzera mabasa eMedicaid uye kukodzera, kugadzira mamiriro ehurongwa hwehutano pamisika, uye nekuchinja mashandisirwo evanopihwa inshuwarisi kune vanhu vane mamiriro ezvinhu aripo.

Yakagadziriswa muna2010, yakakosha zvinhu zveObamacare zvichiri panzvimbo. Inishuwarenzi yehutano misika dzimwe nguva inonzi hutano inishuwarenzi kuchinjana, ichiripo kuti vanhu vashandise. Zvisinei, muna 2017, mutemo wakagadziriswa neCongress panguva yehutungamiri hweTrump kubvisa chirevo chemunhu mumwe-mutero wemutero wevanhu vanosarudza kusava nehutano inshuwarisi.

Ndinonyoresa sei?

Munguva yakavhurika yekunyora nguva, kune nzira dzinoverengeka dzekuwana kufukidzwa:

Kushanya zvehutano.gov . Iwe unogona kutevera mirairo kunyoresa pane iyo saiti, kana kutevedzera chinongedzo kumusika wako wenyika.
Fonera healthcare.gov kuti ubatsirwe kunyoresa ku 1-800-318-2596 .
Tsvaga hofisi yemuno nerubatsiro nechishandiso chako.
Dhawunirodha, zadzisa, uye tsamba-mune fomu rekunyorera .

RELATED: Maitiro ekuwana inishuwarenzi yehutano

Ndiani anokodzera kunyoresa pachena?

Ku tora kufukidzwa panguva yekunyoresa yakavhurika, unofanirwa kunge uri mugari weU.S. (kana uine chinzvimbo chepamutemo chekuenda kune dzimwe nyika), unogara muUnited States, uye usasungwe.

Zvichienderana nezinga rako remari, unogona kukodzera kuwana mari-yekugovana rubatsiro, iyo yakagadzirirwa kudzikisa mutengo wehutano hwekuvhara. Subsidy (kana premium mutero kiredhiti) kukodzera kunoenderana nemari yako yaunowana. Mutemo wakajairika ndewokuti iwe unofanirwa kuwana kanokwana zana muzana yehurombo hwehurombo, asi kwete anopfuura mazana mana muzana ehurombo.

Mari inokodzera yemari inoshanduka gore rega rega nekuda kwekuwedzera kwemitengo, uye unozokwanisa kutarisa kukodzera kwako muna Mbudzi 1 kuburikidza newebsite yeAACA: healthcare.gov.

Kunyoresa kuvhurika kuri rini?

Gore rega rega kune hwindo renguva iwe paunogona kunyoresa mune ACA chirongwa. Iyi nguva inonzi yegore yakavhurwa yekunyoresa nguva.

Iyo yakavhurika kunyoresa nguva (OEP) yekuvhara kutanga Jan. 1, 2021, inomhanya kubva munaNovember 1, 2020 kusvika Zvita 15, 2020.

Dzimwe nyika dzinopa nguva dzakavhurika dzekunyora. Pazasi petafura inotsanangura yavo chaiyo yakavhurwa kunyoreswa nguva dzakatarwa. Izvi zvinoshanduka gore-gore-gore, saka ive shuwa kuti wongorora kaviri nedunhu rako kuti uone kana nguva dzekunyoresa dzakawedzerwa.

Nyika	Vhura mazuva ekunyoresa e2021
California	Mbudzi 1, 2020 - Ndira 31, 2021
Colorado	Mbudzi 1, 2020 - Ndira 15, 2021
Minnesota	Mbudzi 1, 2020 - Zvita 22, 2020
New York	Mbudzi 1, 2020 - Ndira 31, 2021
Washington DC	Mbudzi 1, 2020 - Ndira 31, 2021

Unogona here kusaina inishuwarenzi yehutano mushure mekunyora pachena?

Iwe unogona kunge uchinetseka kuti chii chinoitika kana ukasanotsvaga chirongwa chekuchengetedza hutano panguva yeOEP. Kune ruzhinji rwevanhu vari kuda kufukidzwa, zvinoreva kuti kwegore ra2021, unogona kurasikirwa neinishuwarenzi yehutano.

Zvisinei, kune nguva dzakakosha dzekunyora (SEPs). SEPs inguva iri kunze kwenguva yekunyora yenguva dzose apo vamwe vanhu vanogona kunyorera kufukidzwa kwehutano. Iwe unogona kuve unokodzera SEP kana iwe ukasangana ne chiitiko cheupenyu chinokodzera (QLE) izvo zvakakutadzisa iwe kubva kuwana chirongwa chekuchengetedza hutano nemusi wekupedzisira kunyoresa.

Zvimwe zviitiko zvinokodzera zvinogona kuita kuti munhu akodzere SEP zvinosanganisira kuroora kana kushandura kero yako yekumba, kuva nemwana, kana kurasikirwa neinishuwarenzi yehutano kuburikidza nebasa. Iwe unowanzove nemazuva makumi matanhatu kubva pazuva rechiitiko cheupenyu chinokodzera kunyoresa chirongwa chekuchengetedza hutano, zvikasadaro uchafanirwa kumirira kusvika OEP inotevera kuti utenge chirongwa.

Izvo zvakakosha kuti uzive kuti chero munhu anogona kunyorera Medicaid kana yeVanai Hutano Inishuwarenzi Chirongwa (CHIP) chero nguva mukati megore. Kana iwe uchida kufukidzwa kwenguva pfupi - semuenzaniso, kana iwe uri pakati pemabasa-iwe unogona kuve unokodzera kune ipfupi-yenguva yakatemwa yenguva yeinishuwarenzi chirongwa.

Pasi pehutongi hwaTrump, izvi zvirongwa zvenguva pfupi, izvo zviri zvenguva pasi pemwedzi gumi nemaviri, zvakawedzerwa kukwikwidza neyakajairwa inishuwarenzi sarudzo inowanikwa pamisika yehutano.

Kune here chirango chekushaya hutano inishuwarenzi muna 2020?

Apo ACA yakatanga kubudiswa muna 2010, yakave yakakosha zvikuru pamutemo wemutero weU.S., pamwe nekubatanidzwa kwezvirango, zvikwereti, uye zvikwereti zvemitero.

Pakutanga, kana iwe usina hutano hweinishuwarenzi hwekuvhara kwemwedzi mipfumbamwe yegore, iwe waizofanira kubhadhara imwe mutero. Nekudaro, pasi pehutongi hwaTrump, uyu mutero wakabviswa. Kubva muna2019, kana ukasatenga inshuwarisi yehutano haufanire kubhadhara imwe mutero.

Izvo zvakati, kune dzimwe nyika dzinosimbisa zvirango zvavo zvekushaya inishuwarenzi yehutano. Vanhu vari muNew Jersey, Dunhu reColumbia, neMassachusetts vanogona kutarisana nemirango yemitero yekusachengeta inishuwarenzi.

ACA inobata sei mishonga yangu yemishonga?

Kana iwe ukasarudza kutenga inishuwarenzi yehutano panguva yakavhurika yekunyoresa nguva, iwe uchakurumidza kuona kuti haasi ese einishuwarenzi zvirongwa zvakagadzirwa zvakaenzana. Yakawanda sei uye mishonga yakafukidzwa inogona kusiyanisa zvakanyanya pakati pezvirongwa.

Ndicho chikonzero paSingleCare, kunyangwe iwe vane inishuwarenzi kana kwete , unogona kubatsirwa nekadhi redu rekuchengetedza. Ratidze ku pharmacy kwaunotenga mishonga yako, uye vashandi vachakwanisa kuona kuti ndeipi inodhura kwazvo inishuwarenzi yehutano sarudzo uye yakanyanya kudhura kwauri - yako inishuwarenzi mutengo, kana iyo ImweCare mutengo.

Tichifunga izvo padyo Zvina. Zvishanu yevakuru veAmerica havana inishuwarenzi isina kukwana, hausi wega kana uri kutsvaga nzira dzekudzikisa mutengo wemishonga yako. SingleCare inogona kukubatsira kuchengetedza kusvika makumi masere muzana pamirau yako, kunyangwe kana usina inishuwarenzi yehutano. Dzvanya apa kuti udzidze zvimwe uye wotanga kusevha pane yako inotevera kuzadza neyedu yemahara yekuchengetedza kadhi.