Chii chinonzi inishuwarenzi yehutano?

Kambani Healthcare Yakatsanangurwa

Iyo yeinishuwarenzi yehutano mubhadharo iwe waunobhadhara, kazhinji pamwedzi, kune yako hutano kufukidza. Zvakawanda sehunhu hwekirabhu hunobhadharwa, iwe unofanirwa kubhadhara iyo premium kuti uwane yako yeinishuwarenzi yehutano, uye iwe uchiri kubhadhariswa kunyangwe iwe usingashandise iyo inishuwarenzi. Pane zvimwe zvinodhura zvinosanganisirwa neinishuwarenzi yako yehutano, zvakare, kusanganisira iko kusimbiswa, kukopa, uye kubviswa .

Kana iwe wakatenga yako yeinishuwarenzi yehutano wega (semuenzaniso, kuburikidza neiyo Affordable Care Act, kana ACA, inishuwarenzi yehutano pamusika), iwe unobhadhara iyo premium kune yako yeinishuwarenzi yehutano kambani. Kana iwe ukatambira inishuwarenzi yehutano kubva kune waunoshandira, unogona kunge uine chikamu chako cheprimiyamu (kureva, chero chaunobhadharwa newaunoshandira) chakabviswa pamubhadharo wako.

Yakawanda sei inishuwarenzi yehutano premium?

Zvinoenderana neKaiser Family Foundation, avhareji mutengo wepagore weinishuwarenzi yehutano munhu mumwechete mu2019 aive $ 7,188 uye $ 20,576 yemhuri . Ndiko kuwedzera kwe4% uye 5%, zvichiteerana, pamusoro pemanani e2018.

Mutengo weinishuwarenzi yako yehutano uchaenderana nezvinhu zvinoverengeka, inodaro hurumende yemubatanidzwa zvehutano.gov . Zvinosanganisira:

1. Kwaunogara. Hapana kushamisika kukuru pano, asi avo vanogara munzvimbo dzenyika umo mutengo wekurarama wakakwira vanogona kutarisira kubhadhara yakakwira mari yehutano, kusanganisira inishuwarenzi yehutano.
2. Zera. Nekuti ivo vanowanzo kuve nezvinetso zvishoma zvehutano pane vakuru vakuru, vechidiki kazhinji havashandise kushomeka kwezvekurapa uye nekudaro vanowanzobhadhariswa mari yepasi. (Haishande pazvirongwa zvinotsigirwa nevashandirwi.)
3. Fodya kushandiswa. Vanhu vanoshandisa zvigadzirwa zvefodya vanogona kubhadhariswa zvinosvika makumi mashanu kubva muzana zveinishuwarenzi yavo yehutano pane avo vasingazvishandise. (Haishande pazvirongwa zvinotsigirwa nevashandirwi.)
4. Kuroora kana kuroorwa kana kuronga mhuri. Chirongwa chemhuri chinofukidza vaviri kana vanopfuura vemhuri. Kuwedzera murume / mukadzi uye / kana vana kune chirongwa chehutano kunowedzera mari yemwedzi. Vakanyoresa vanobhadharirwa munhu wega wega akafukidzwa nezano.
5. Kukura kwekambani. Kune zvirongwa zvinoshandirwa newaunoshandira, saizi rekambani yaunoshandira inogona kuratidza kana vaine mari yepamusoro kana yepasi.
6. Rudzi rwehurongwa. Iko kune kazhinji marudzi mashanu ehurongwa hweinishuwarenzi yehutano kuburikidza nemusika weAACA: ndarira, sirivheri, goridhe, platinamu, uye nenjodzi. Muzviitiko zvakawanda, iyo yakakwira yako premium neimwe yeaya marongero, iyo yakaderera yako inobviswa ichave-uye zvinopesana.

Zvinhu zviviri izvo zvisingafanire kukwidziridza mari yako yepamberi ndezvepabonde rako uye nehutano huripo. Kune matsva, ACA-inoenderana zvirongwa, hazvisi pamutemo kuti mupi weinishuwarenzi abhadhare varume nevakadzi mitengo yakasiyana yechirongwa chimwe chete. Ivo zvakare havagone kukubhadharira zvimwe chirongwa nekuti iwe kana unogona kunge wakave nemamiriro akaita seshuga kana gomarara. Icho chete chinosarudzika ichi chingave chirongwa chakakura, icho chakatangira ACA.

Chii chinoitika kana ndikamira kubhadhara mari yangu yeinishuwarenzi yehutano?

Yepamusoro inishuwarenzi yehutano mitengo inogona kupa kunyangwe iyo yemari yakanaka-kubva kumbomira. Uye dzimwe nguva zvakaoma kururamisa kukosha kwechimwe chinhu chaunogona kushandisa (inishuwarenzi yehutano) maringe nekudiwa kwechimwe chinhu nekukurumidza-senge chikafu uye mari yemaroja.

Asi kana iwe ukarega kubhadhara yako yeinishuwarenzi yehutano premium, yako yekuvhara inogona kupera. Izvi zvinoreva kuti haugone kuwana chako chekuchengetwa kwehutano hwezvinhu zvakaita sekushanyirwa nachiremba kana kupinzwa muchipatara. Kana iwe uri kuwana yako yehutano kufukidzwa kuburikidza neinishuwarenzi yehutano pamusika, iwe unogona kupihwa nguva yengoni, kazhinji mazuva makumi mapfumbamwe, kufukidzwa kwako kusati kwapera. Izvo zvakakosha kuti ubhadhare mari yako yese yawakarasikirwa panguva iyoyo yenyasha kana yako inishuwarenzi yehutano kufukidzwa kunogona kumiswa uye iwe ungatofanira kumirira inotevera yakavhurika kunyoresa nguva kusaina kusaina kumusoro. (Zvisinei, pane zvishoma zvinotarisirwa kuti zvive nenguva yekunyora, yakadai sekuva nemwana kana kuchinja mabasa.)

Kana iwe uchinetseka kuita premium kubhadhara, iwe une sarudzo-kunyangwe iwe ungatofanira kumirira kusvika inotevera inotevera yakavhurika kunyoresa nguva kuti uite chero shanduko. Dzimwe pfungwa dzekufunga nezvadzo?

• Kuchinja zvirongwa. Kana iwe uine PPO, iyo yakanaka kwazvo inobvumidza iwe kuti uone chero chiremba kwese kupi pasina kutumirwa, iwe unobhadhara mari yepamusoro kupfuura kana iwe uine HMO. Uine HMO, chiremba wako wekutanga anotarisira kurapa kwako kwese uye iwe unogona chete kuona mumwe chiremba nekutumira kana kana iwe uine emergency.
• Kuenda nechirongwa chepamusoro chinobviswa. Iyo inobviswa ndiyo huwandu hwemari iwe yaunofanirwa kubhadhara kubva muhomwe yehutano hutano masevhisi usati wako hutano inishuwarenzi yatanga kutora iyo tebhu. Kazhinji, marongero ane akakwira anoderedzwa anowanzo kubhadharisa maprimamu akaderera.
• Kuwana rubatsiro rwemutero. Kana iwe ukatenga yako inishuwarenzi pane yemusika inishuwarenzi pamusika, unogona kukodzera iyo yemubatanidzwa hurumende Yepamberi Premium Mutero Kiredhiti . Iwe unofanirwa kusangana nemimwe miitiro, zvisinei, kusanganisira kusakodzera kweMedicaid kana Medicare.
• Chirongwa Chekuchengetedza Mari. Kana uine Medicare uye uchinetseka kubhadhara mari yako yemwedzi, unogona kukodzera chirongwa cheMedare Savings. VeMedare vanobatsirwa vanogona kutaura nedhipatimendi ravo remunharaunda rezvemagariro (aka, hofisi yeMedicaid) kuti vadzidze zvakawanda.

RELATED: 11 kudhura kwemubhadharo wekurapa iwe waunogona kutora

Maitiro ekuchengetedza pamirairo pamwe neepamusoro-premium chirongwa chehutano

Kunyangwe yako inishuwarenzi yehutano inotakura yakakwira inobvisirwa kana yakakwira premium, iwe uri pamwe kushandisa mari yakawanda kune hutano hwehutano hwekuvhara.

Uyezve pane mutengo wemishonga yekunyorera.

Mune zvimwe zviitiko, iwe unobhadhara copay yemushonga. Kune akatiwandei matete epopay zvichienderana nemushonga. Mune zvimwe zviitiko, mushonga wacho haufukidzwe neinishuwarenzi zvachose (kana pamwe hauna inshuwarisi) uye uchafanirwa kubhadharira wega mutengo wemushonga iwe.

Zvisinei, inobhadhara (pun yakagadzirirwa!) Kutarisa makadhi ekudzora zvinodhaka seSingleCare. Iwe unogona kukwanisa kuwana mushonga nemari shoma pane yako copay kana pakuderedzwa kwakakosha kana usina-kana mushonga wacho usina kuvharwa-neinishuwarenzi. SingleCare inogona kukusevhesa kusvika pamakumi masere muzana pamirau yako. Zvese zvaunofanirwa kuita ndezvi:

1. Tarisa kumusoro mushonga wako pa singlecare.com .
2. Dhawunirodha (kana kutumira mameseji kana email) pachako kadhi reSingleCare rekudzora.
3. Ratidza yako coupon kadhi kune wemishonga iwe paunosiya mushonga wako.

Zviri nyore, zvemahara, uye SingleCare makadhi ekudzora zvinodhaka anogona kushandiswa kumhuri yese kumafamasi anodarika makumi matatu nemashanu epasirese.