Heano akanakisa einishuwarenzi ehutano sarudzo kune vanozvishandira
KambaniWadonhedza makambani eAmerica uye wafunga kuve wega wega bhosi. Makorokoto! Iwe uri chikamu cheuto rinokura revashandi vanozvishandira.
Zvinoenderana ne Yemukati Revenue Service , munhu ari mubhizimusi kwaari uye anoita zvibvumirano zvemaitirwo ake kune mamwe mabhizimusi anonzi anozvishandira. Iwe unogona zvakare kunzwa iye anozvishandira munhu anonzi se freelancer kana akazvimirira kontrakta.
Zvichida 9.6 mamirioni evashandi muUnited States vanozvimiririra vanozviti Bureau yeLabour Statistics, bazi rehurumende rinoteedzera zvinhu zvakadaro. Uye zviverengero zvinongotarisirwa kukwira kumusoro, pamwe nevanhu vanofungidzirwa kuva mamirioni zana nemakumi mashanu vemuAmerica vachizviverenga sevanhu vanozvishandira mugore ra2026. Ndiko kuwedzera kwe7.9 muzana.
Kuzvishandira wega zvinoreva kuti makambani zvinobatsira, senge inishuwarenzi yehutano, hazvipi kupihwa newaunoshandira. Kusarudza yakanakisa imwe inishuwarenzi sosi kunogona kuwana zvakati omei.
Ndeapi akanakisa ekuzvishandira einishuwarenzi ehutano?
Izvo mabhenefiti uye izvo zvaungave wakanakidzwa nazvo nebasa rekambani hauna kupihwa kwauri muchibvumirano chepakeji kana iwe uchizvishandira. Iwe nenhengo dzemhuri yako muchafanira kuzvidzivirira kuti muwane inishuwarenzi yehutano. Funga nezvezvinotevera sarudzo paunenge uchisarudza kuti ndeapi ekuvharirwa kwehutano akakunakira iwe:
Kazhinji hutano inishuwarenzi sarudzo
Nyika kana yemusika musika
Iwe unogona kuve unokodzera kunyoresa muchirongwa cheinishuwarenzi kuburikidza ne Hutano Inishuwarenzi Pamusika (inonziwo Affordable Care Act kana Obamacare) kana iwe uri wega akazvimirira contractor, chipangamazano, freelancer, kana imwe mhando yemushandi akazvimiririra. Kune akatiwandei mapoka ehutano inishuwarenzi kufukidza kusarudza kubva, mamwe aine zvirongwa zvine yakaderera maprimamu. Kuvhura kuvhura ndiNovember 1 kusvika Zvita 15; zvisinei, iwe unogona kuwana inishuwarenzi kunze kwemazuva iwayo kana iwe uine chakakosha chiitiko-semuenzaniso, wakarasikirwa nebasa rako. Unogona kushanyira www.healthcare.gov kuti udzidze zvakawanda nezve zvaunogona kusarudza kuburikidza nemusika musika.
Medicaid
Mamirioni eAmerica anopiwa yakaderera-mutengo kana yemahara kufukidzwa kuburikidza neMedicaid. Unogona kuve unozvishandira wega uye unokodzera kuMedicaid kana imba yako ikawira pasi peimwe nhanho yemari (iyo inosiyana neimwe nyika, kunyange hurumende yemubatanidzwa inoisa zviyero zvishoma), uye kana ukasangana nezvimwe zvinokodzera. Iko hakuna yakavhurika kunyoresa nguva yeMedicaid, saka iwe unogona kunyorera chero nguva. Shanyira dhipatimendi rako remunharaunda kana rehurumende rezvemagariro kuti udzidze zvakawanda nezve kufukidzwa pasi peMedicaid, uye kuti uone kana uchikodzera.
Medicare
Kana iwe uri makumi matanhatu nemashanu uye mukuru, iwe unogona kuve unokodzera iwo Medicare mabhenefiti. Iwewo unogona kusangana nematanho eMedare kana iwe wanga uri paSocial Security Disability (SSD) kwemakore maviri, kana kana uine ALS (Lou Gehrig's Disease) kana uine End State Renal Disease (ESRD).
Mushandirwi kuronga kuburikidza nenhengo yemhuri
Kana mumwe wako kana waunoshanda naye achishanda, tarisa kuti zvingabhadhare sei kuwana pane chirongwa cheinishuwarenzi chehutano chekambani. Kunyangwe iwe usina kuroora zviri pamutemo, unogona kukodzera. Vamwe vashandirwi vanopa izvo zvinodaidzwa kunzi mudzimba kudyidzana kufukidza hutano kune avo vari mumubatanidzwa wemumba. Kana iwe nemumwe wako (kusanganisira vevanhukadzi-bonde vakaroorana) muchigovana imba uye muchigara hupenyu hwepamba pamwe chete, munogona kuve vanokodzera, chero bedzi musina kuroora mumwe munhu. Ziva, zvisinei, kuti kana wako waunoshandira akabhadhara chikamu chemari yako yeinishuwarenzi yehutano, ungatofanira kubhadhara mutero pairi. Mukuwedzera, mamwe makambani ari kubvisa rudzi urwu rwekufukidza. Iwe unenge uine budiriro yakawanda kana mumwe wako achishandira kambani hombe. Zvinoenderana ne International Foundation yeVashandi Kubatsirwa Zvirongwa , pamusoro pe75% emakambani ane zviuru gumi kana kupfuura vashandi vangangoramba vachipa rubatsiro rwehutano kune vamwe- uye vakomana nevasikana pabonde.
Pamusoro pezvo, kana uri pasi pemakore makumi maviri nematanhatu, unogona kuvharwa pasi pehurongwa hweinishuwarenzi yehutano hwevabereki vako maererano neMutengo Unochengetedza Mutemo.
Yakavanzika inishuwarenzi
Iwe unogona zvakare kusarudza imwe yehutano inishuwarenzi chirongwa kuburikidza neyakavanzika kambani inishuwarenzi. Iwe unogona, zvakadaro, kubhadhara zvakakwirisa pamwedzi maprimiyamu kupfuura kana iwe uine chirongwa cheboka. Inishuwarenzi inopihwa kuburikidza neiyo Affordable Care Act, semuenzaniso, inowanzo kuve inodhura zvakanyanya kupfuura yeinishuwarenzi yehutano yega, nepo ichipa mabhenefiti akafanana. Kana iwe uine inishuwarenzi ine yakakwira yakabviswa, funga kuvhura account yekuchengetedza hutano (HSA), kwaunogona kuisa mari, mutero usingabhadharwe, kuti ushandiswe pakurapa.
Sangano zvirongwa zvehutano
Kana iwe uri mushandi wekuzvishandira uyo zvakare ane chiverengero chidiki chevashandi, tarisa mune chirongwa chehutano hwehukama . Mamwe masangano (akadai seVanyori Guild veAmerica West uye The Freelancers Union) anopa nhengo zvirongwa zvehutano pamitero yeboka. Masangano anowana aya anodhura mapoka eboka nekuti ivo vanobatana nevamwe mukutengesa kwakafanana kana indasitiri kuumba mapoka makuru. Asi kune zvakaderera. Mamwe emasangano anoda kuti iwe uratidze kudzoka kwemitero uye mamwe mapepa kuratidza kuti iwe unowana imwe mari (yavanotarisa) semushandi anozvishandira. Iwe unogona zvakare kubhadhara nhengo dzemari. Mamwe marongero ezvehutano ehukama anogona kusapa kufukidzwa kwakazara semamwe marongero, uye kwave nekunetseka pamusoro pekugadziriswa kwemamwe marongero ehutano ehukama, achivasiya vasingakwanise kubhadhara zvichemo zvenhengo dzavo. Muna 2018, mutungamiri weTrump akaunza matanho anotendera vanhu vazhinji kuwana maAHPs (semuenzaniso, avo vanozvishandira uye vasina vashandi), asi shanduko dzaive akapfurwa mudare uye vari kukwidzwa. Taura neinishuwarenzi broker kana tarisa iyo Dhipatimendi revashandi webhusaiti yeruzivo rwekupedzisira.
Zvirongwa zvekugovana hutano
Hutano kugovana zvirongwa hazvisi inishuwarenzi yehutano. Asi, iwo zvirongwa zvinogovera mari yehutano pakati penhengo dzeboka rekugovana hutano. Iwe unobhadhara mubhadharo (zvichibva pachirongwa chaunosarudza) icho chakaiswa muhomwe yenharaunda. Paunenge uchida kurapwa, bhiri rinobhadharwa kubva muhomwe. Zvakakosha kucherechedza, zvakadaro, kuti mazhinji eaya marongero anotenda-uye mamwe mabasa ekurapa (sekudzivirira kubereka kana kubvisa nhumbu) anogona kunge asina kuvharwa. Uye nekuti hazviite inishuwarenzi yehutano, aya ekugovana marongero haasi ACA anoenderana, uye anogona kunge asingavhare vanhu vane mamiriro ezvinhu aripo. Zvimwe zvirongwa zvekugovana zvehutano zvakare zvine muganho kune iyo mari yavanogona kubhadhara kune kwavo kwenhengo 'zvirevo, izvo zvinogona kuve zvinonetsa kune vanhu vanova nezvinetso zvakakomba zvekurapa.
Ipfupi-temu inishuwarenzi yehutano sarudzo
COBRA
Tiye Akasimbisa Omnibus Budget Kuyananisa Mutemo (COBRA) inovimbisa iwe kodzero yekugara kwenguva pfupi pasi peyaimbova mushandirapamwe chirongwa cheinishuwarenzi yehutano mushure mekusiya basa rako. Inguva yakareba sei iwe ungagare pane zvakasiyana. Semuenzaniso, kana iwe ukamiswa pabasa rako nekuda kwezvimwe zvikonzero kunze kwekukanganisa kwakakomba, unogona kugara kusvika kumwedzi gumi nesere; kune zvimwe zviitiko zvinokodzera, unogona kugara kusvika pamwedzi makumi matatu nematanhatu. Sekureva kweU.S. Department of Labor, kune zvimwe zvinodiwa pakukodzera. Uyezve, kunyangwe kufukidzwa kwakafanana, uchafanirwa kubhadhara yakawanda-yehomwe yeinishuwarenzi sezvo waunoshandira asisiri kutsigira chero chayo.
Zvirongwa zvenguva pfupi zvehutano
Zvirongwa zvenguva pfupi zvehutano ndezvenguva pfupi, zvegore rose, zvakaderera -mubhadharo / zvakakwirira zvirongwa zvekuchengetedza hutano izvo, mukufunga kweinishuwarenzi, zvinogona kuvandudzwa kweanosvika makore matatu. Asi vanokanganisa munzvimbo zhinji. Chekutanga pane zvese, ivo havafukidze pre-iripo mamiriro. Izvo zvakare hazvifukidze kuchengetwa kwemadzimai, hutano hwepfungwa, kana mishonga yemishonga. Uye mazhinji acho haavharidzi zvaunogona kubhadhara kunze-kwehomwe mari.
5 zvinhu zvekutarisa kana uchisarudza unozvishandira wega inishuwarenzi yehutano
Uine sarudzo dzakawanda dziripo, funga zvinotevera kana uchideredza sarudzo dzako:
1. Shandisa broker kana mumiriri
Iko kunowanzo kuve nematanho akati wandei kana zvasvika kune hurongwa hweinishuwarenzi yehutano. Semuenzaniso, panogona kunge paine Platinum, Sirivheri, kana Bronze- zvese izvi zvinopa akasiyana kufukidzwa pamutengo wakasiyana. A broker kana mumiriri anogona kukubatsira kuronga mukati mese sarudzo uye jargon uye uwane chirongwa chakakukodzera.
Nyika dzese dzine State Health Insurance Assistance Chirongwa (SHIP), iyo inogona kupa rubatsiro rusina rusaruro kutsvaga chirongwa chinokwana zvaunoda. Iwe unogona zvakare kuwana rubatsiro rusina rusaruro mukutsvaga chirongwa nekufonera runhare rweMarketplace, kana 1-800-Medicare (kana iwe uri Medicare-unokodzera).
2. Tarisa mubatsiro
Zvichienderana nemari yako yaunowana, iwe unogona kuve unokodzera yeinishuwarenzi yehutano pane yakaderedzwa kana isina mutengo (Medicaid). Izvo zvinobatsira kuziva kuti ndeapi masupidhi aunokodzera iwe uchitsvaga rakanakisa chirongwa chako.
3. Verenga mwero wemari yaunowana nenzira kwayo
Paunotenga inishuwarenzi kuburikidza neHutano Hwekutengesa Pamusika, maprimiyamu ako anoenderana nemari yako yemari yegore razvino. Izvi zvinoreva kuti, sewe freelancer, iwe unofanirwa kuyedza uye kunyatso fungidzira kuti imarii yauchange uchiita kumatunhu mana egore. Izvo zvinogona kuve zvinonyengera, saka tora nguva yekufunga nezvekuti iwe wakaita sei munguva yakapfuura, zvibvunze kana fungidziro yako iri yechokwadi, uye funga zviri kuitika muindasitiri yako iyo inogona kukanganisa yako mari. Kana iwe ukaita mari yakawanda kupfuura iwe yawaifunga, iwe ungatofanira kubhadhara mari yawakawana kuburikidza nemitero yemitero. Kana iwe uchifungidzira kushoma, iwe unogona kunge wakarasikirwa nesavhari.
4. Funga mutengo wemapurani
Kuputsa bhangi pane chirongwa cheinishuwarenzi chehutano semunhu anozvishandira zviri pachena hachina kunaka. Asi iwe unogona haudi kuzogadzikana pane yakachipa sarudzo, chero. Kuzvishandira uye kuita rako bhizinesi kunonetsa zvakakwana. Iwe haudi kunetseka kunowedzerwa nezve chii chichaitika kwauri kana nhengo dzemhuri yako kana dambudziko rehutano-uye kukwira kwemitero yezvokurapa inoiperekedza - kukamuka.
Mutemo wakanaka wechigunwe kuziva kuti chakaderera chirongwa chinobviswa ndechekuti, iyo yepamusoro mari ichave iri mwedzi wega wega. Kugadzirisa kana chirongwa chakaderera / chepamusoro chekuchengetedza hutano (kana zvinopesana) chakakodzera iwe, funga zera rako, hutano hwakazara, kangani iwe unoshanyira vanachiremba, uye kana uine pre-iripo mamiriro ehutano.
5. Ziva wekusanganisira
Inishuwarenzi vanowanzo bhadharisa yakawanda zvirongwa zvehutano zvinosanganisira izvo zvinopfuura munhu mumwe chete. Kana iwe uine murume / mukadzi kana murume wepamba waakashanda, zvinobatsira kuti uwane mutengo wekuwana pane yavo hurongwa usati waisaina nyowani.
Nei usingade kuve uninshuwarenzi
Nekuda kwemitengo yakakwira yeinishuwarenzi yakazvimiririra uye dzimwe sarudzo, zvinogona kuyedza kuenda pasina. Asi kusarudza kuenda uninsured kunogona kukonzera mune mashoma emhedzisiro yakaipa.
Mitero yemitero
Kunyange hurumende yemubatanidzwa isingachairizi chirango kana uchikwanisa kubhadhara hutano asi ukasarudza kusatenga, hazvireve kuti nyika yako ichakuregedza usina scot. Parizvino, Massachusetts, New Jersey, uye Vermont vanobhadharisa chirango kune vagari vanorega inishuwarenzi yehutano, uye dzimwe nyika dziri kufunga kutevedzera.
Mitero yemitero
IRS inoita kuti iwe utore kuzvishandira wega inishuwarenzi kuderedzwa kana iwe ukaita purofiti gore iro. Uku ndiko kugadzirisa kune mari (kwete yakaderedzwa mutero) yemaprimiyamu iwe wawakabhadhara painishuwarenzi yehutano pakurapa kwekurapa uye inishuwarenzi yekuchengetedza kwenguva refu iwe, murume / mukadzi, uye nevanotarisira. Uyezve, unogona kutora huwandu hwemari yako yekurapa (yezvinhu zvakaita sekushanyirwa nachiremba, mari yechipatara, uye kunyange magirazi emaziso ekurapa) anodarika 7.5% yemari yako yakagadziridzwa.
Kunze-kwe-muhomwe mari
Vaya vane inishuwarenzi vanowanzove nekepisi pane iyo mari yavanobhadhara kunze-kwehomwe. Vanhu vasina inishuwarenzi havana muganho wakadai. Vanhu vasina kuvimbiswa vanogona kusangana nemabhiri emakumi kana mazana ezviuru zvemadhora kana vakatambura nechimwe chinhu chakadai sekurwadziwa nemoyo kana tsaona inotyisa. Kusava neinishuwarenzi kunogona kudhura, nekukurumidza.
Inishuwarenzi yehutano inodhura zvakadii kana iwe uchizvishandira?
Uine misiyano yakawanda senge zera rako, kwaunogara, kwaunowana inishuwarenzi uye chirongwa chawakasarudza, iwo mubvunzo unenge usingakwanise kupindurwa. Zvinoenderana neongororo ye2019 pamusoro pevashandi vehutano mabhenefiti akaitwa neiyo Kaiser Mhuri Foundation , mubhadharo wevanhu vasina kuroora vakanyoreswa muinishuwarenzi yehutano yekambani yavo yakamhanya $ 7,188 pagore, nemushandi achibhadhara 18% yeiyo- kana ingangoita mazana mana emadhora mazana mana pamwedzi. Uye iri chirongwa chinotsigirwa nekambani icho chinotsigirwa zvishoma. Seye kontrakta yakazvimiririra (kunze kwekunge iwe uchikwanisa kuwana rubatsiro rwehurumende kana Medicare), unogona kutarisira kubhadhara zvakati wandei, uye zvimwe zvakanyanya. Izvo zvataurwa pamusoro apa mutero zvinogona kubatsira kudzikisa mutengo. Uye saka anogona SingleCare.
Iyo SingleCare yemahara-kushandisa-inonyorwa yekuchengetedza kadhi inogona kukusevudzira kusvika ku80% pane zvakatemwa pamakamuri anodarika makumi matatu nemazana ematanhatu mafammasi, kusanganisira CVS, Target, Walmart, nezvimwe. Paavhareji, vashandisi veSingleCare vanochengetedza avhareji yemadhora zana nemakumi mashanu pagore pane zvavakatemerwa. Iko hakuna mari kana kunyoreswa neSingleCare uye kunyangwe avo vane inishuwarenzi mapiritsi ekurapa vanogona kuishandisa uye chengetedza. Yedu mutengo dzimwe nguva inokupa iwe yakaderera mutengo pane yako inishuwarenzi co-kubhadhara. Shandisa singlecare.com kutsvaga mushonga wako uye kutsvaga chemishonga padyo newe ine mishonga yako nemutengo wakaderera.
Pazasi mutsara: Usaisa panjodzi yekusava neinishuwarenzi yehutano - unogona kupedzisira washandisa yakawanda kana ukaramba usina inishuwarenzi. Hutano inishuwarenzi zvirongwa zvevanhu vanozvishandira zvinogona kusiyana zvichienderana nekwaunogara uye mari yako. Tora nguva yekuita homuweki yako uye funga nezvenzira dzakawanda dzaunogona kuchengetedza pakuvhara.
