Ndeipi nguva yekunyoresa yakavhurika?

Kambani Healthcare Yakatsanangurwa

Kuongorora kwegore negore kwakakosha mukuchengetedza hutano uye hutano, asi hazvisi zvemuviri wako chete. Kuongororazve hurongwa hwako hweinishuwarenzi yehutano hunoda pagore - kunyanya zvichitevera kuongororwa kutsva kana zviitiko zvakakura zvehupenyu - zvinogona kuenda nenzira yakareba mukugadzirisa kufukidzwa kwako. Gore rega rega, vekuAmerican vanowana mukana wekuita izvo chaizvo panguva yavo yegore yekuvhura yakavhurika nguva mumusika uye / kana newavanoshandira.

Ndeipi nguva yekunyoresa yakavhurika?

Iyo yegore yakavhurwa kunyoresa nguva inguva yegore panguva iyo maAmerican vanogona kuita shanduko kune yavo yakasarudzwa yeinishuwarenzi yehutano kufukidza (senge boka rehutano hurongwa hwavanogashira kuburikidza nevavanoshandira) kana kutenga inishuwarenzi nyowani kuburikidza neInishuwarenzi Inishuwarenzi Musika (inozivikanwawo seObamacare) . (Vanhu vane Medicare kana Medicaid vanozove nematanho akasiyana uye nguva dzekunyora.)

Kuvhura kunyoresa zvakare inguva yakanaka kune vanowana rubatsiro kuti vawedzere mukadzi kana vavanovimba, kana neimwe nzira vachinje imba yavo, kuchirongwa chavo kana vasina kudaro.

Kunyangwe iwe uchironga kumutsiridza chirongwa chako chazvino, izano rakanaka kutarisa zvakadhindwa zvegore rinouya-chii uye chisina kubatanidzwa (senge mishonga yemishonga uye macopay) shanduko gore negore, saka iwe uchazoda kuita chokwadi une mukana wakakodzera iwe nemhuri yako.

Kana iwe uchisuwa iyo yakavhurika kunyoresa nguva yemubatanidzwa musika, iwe unogona kunge uchiri kugona kusarudza nyowani kufukidza kana kuita shanduko kuchirongwa chako panguva yakasarudzika kunyoresa nguva. Nekudaro, iwe unofanirwa kuve uine chimwe cheanotevera zviitiko zvehupenyu zvinokodzera kutora chikamu mukunyoresa kwakakosha :

• Shanduko mumhuri yako: Kana iwe ukaroora kana kuroorwa, wakarambana (uine kurasikirwa kwekuvhara), kana uine kana kutora mwana, unogona kukodzera kunyoreswa kwakakosha. Iwe unogona zvakare kukodzera kana mumwe munhu wemba yako akafa uye ukarasikirwa nehupfumi nekuda kwazvo. Iwe unofanirwa kunyorera kufukidzwa mukati memazuva makumi matanhatu kubva pane chimwe chezviitiko izvi.
• Shanduko mukugara kwako: Kana iwe ukaenda kune nyowani zip kodhi kana mudunhu, kana kuenda kuUS kubva kune imwe nyika, unogona kukodzera kunyoreswa kwakakosha. Izvozvowo zvinoenda kune vadzidzi vanotamira kuenda kana kubva kwavaienda kuchikoro. Imwe bakoat: Kunze kwekunge watama kubva kune imwe nyika, uchafanirwa kuratidza kuti waive neinishuwarenzi yehutano kweinenge zuva rimwechete mukati memazuva makumi matanhatu usati watama kuti uwane mukana.
• Kurasikirwa kwehutano hwako inishuwarenzi kufukidza: Kana iwe ukarasikirwa neinishuwarenzi yehutano nekuda kwekushaikwa kwekuzvipira kwebasa, nhengo yemhuri ichirasikirwa nekuvhara, kana nekuti iwe ukave usingakodzeri kuMedare kana maMedicaid masevhisi awanga uchigamuchira, iwe unogona kukodzera iyo Inokosha Kunyoresa Nguva.
• Zvimwe zviitiko zvinokodzera: Kana iwe uchangobva kuve mugari weU.S.kana wakasiya mutirongo, unogona kukodzera kunyoreswa kwakakosha.

Kunyoresa kwakavhurika 2021 kuri rini?

Nepo kunyoreswa kwakavhurika kweiyo Inotengeka Care Act-inoenderana kufukidzwa mu2020 yatopfuura, iyo 2021 nguva iri kuuya. Vhura mazuva ekunyoresa ndiNovember 1 kusvika Zvita 15, 2020 mumatunhu mazhinji, zvichipa vanobatsirwa kwemavhiki matanhatu kuti vatengese uye vaenzanise zvirongwa vasati vatenga kuburikidza neimwe yeinishuwarenzi yehutano inoshandurana (ingave federally run healthcare.gov kana yavo state-run pamusika).

Kana nyika yako ikashanda yeinishuwarenzi yehutano pamusika, iwo mazuva anogona kusiyana zvishoma (semuenzaniso, California, Colorado, uye Washington D.C vakawedzera zvachose mazuva avo muna Ndira). Pamusoro pezvo, nekuda kwedenda re COVID-19, nyika zhinji dzakawedzera nguva dzekunyora dzakashama, saka tarisa yako yemusika musika kuva nechokwadi. Muna 2021, 16 inoti (kusanganisira New York, Massachusetts, neWashington) vachamhanya zvavo kuchinjana.

Kana iwe ukasaina kufukidza panguva yekuvhura yakavhurika nguva, yako inishuwarenzi inotanga kushanda Ndira 1.

Iyo Medicare yakavhurika kunyoresa nguva zvakasiyana ne ACA yakavhurika kunyoresa nguva . Medicare yakavhurika kunyoresa kwe2021 ndiGumiguru 15 kusvika Zvita 7, 2020, nezvirongwa zvichatanga kushanda munaNdira 1. Medicare inopawo dzinoverengeka dzimwe nguva dzekunyoresa dzakasiyanasiyana dzezvinangwa zvakasiyana. Unogona kushanyira medicare.gov kudzidza zvakawanda.

Chii chinoitika kana ukapotsa kunyoresa kuvhurika?

Ukasuwa iyo 2021 yakavhurika kunyoresa nguva, iwe unomhanyisa njodzi yekusave neinishuwarenzi yehutano kufukidzwa kwegore rese (kunze kwekunge iwe uchikodzera kunyoresa kunyoresa nguva). Izvi zvinoreva kuti unogona kubhadhara mari yekurapwa, senge kushanya kwavanachiremba, mishonga yemishonga, uye mabasa ekukurumidzira, muhomwe.

Kunyange ACA yaida kuti avo vasina hutano (uye vasina kuregererwa) vabhadhare faindi (ingangozivikanwa seShared Responsibility Payment) pamubhadharo wavo wemutero, Mutero Wemitero neJob Act zvakabvisa mubhadharo iwoyo. mutero gore 2019 uye mberi. Zvisinei, kune zvishoma zvitsuwa izvo zvichiri kubhadharisa chirango chemari, saka iwe unozoda kutarisa nemutemo wenyika yako.

Kune zvimwe kufukidza sarudzo unofanirwa kuongorora kana iwe wakarasikirwa neyakavhurika kunyoresa nguva. Kutanga kubva, tarisa kuti uone kana iwe uchigona kuwedzerwa kune mumwe wako kana chirongwa cheumwe wako, kana kana iwe uri pasi pemakore makumi maviri nematanhatu, chirongwa chemubereki wako.

Kana iwe uine mari shoma, iwe unogona kukodzera kuMedicaid kana CHIP (Chirongwa cheInishuwarenzi Yehutano hwevana), inova inovhara hutano hwehutano hunopihwa nehurumende. Unogona kuziva kana uchikodzera kuburikidza neHutano Inishuwarenzi Musika kana nekubata nyika yako yeMedicaid agency .

Mapfupi-enguva zvirongwa ndeimwe stopgap yekuvhara. Chirongwa cheinishuwarenzi chepfupi-chinopa kufukidza kwemazuva makumi matatu nemakumi matatu nemana, nekwaniso yekuwedzera kusvika pamwedzi makumi matatu nematanhatu. Iko kufukidza kwakanyanyisa kuderera pane rudzi rwehurongwa hwaunowana kuburikidza newaunoshandira kana kuMusika - inishuwarenzi yenguva pfupi haidiwe kubhadhara zvirevo kana mari yekuzvitakura, semuenzaniso - asi inogona kubatsira kubhadharisa zvikwereti zvekurapa iwe uchakamirira kuvhurwa kunyoresa nguva inotevera gore.

Imwe nzira yekuvhara ndeye gap inishuwarenzi (inozivikanwawo sekuwedzera inishuwarenzi). Gap inishuwarenzi inofanirwa kushanda pamwe chete neinishuwarenzi yako yekutanga (inowanzonzi inishuwarenzi yeinishuwarenzi yako) kubatsira kuzadza maburi ekuvhara. Semuenzaniso, zvimwe zvirongwa zveAACA hazvisanganisi mazino kana chiono, saka munhu anowana anogona kuwedzera chirongwa chekuwedzera cheinishuwarenzi kuitira kuti vagone kuchenesa meno avo kana kutenga magirazi matsva. Gap inishuwarenzi haina kuitirwa kutsiva yekutanga kufukidzwa, asi inogona kuuya inobatsira kana paine emergency.

Kubatsira kudzora mari yekurapa yemishonga pasina inishuwarenzi, kune zvakare iyo Kadhi Yekudzikisira kadhi. Mahara ku kurodha pasi uye kushandisa , Kadhi reSingleCard hachisi chimiro cheinishuwarenzi-asi chirongwa chekudzikisira icho chinoderedza mutengo wemari yezvinyorwa kuma Pharmacies eU.S. Tsvaga yako meds uye ona kuti ungagone kuchengetedza sei nhasi!