Izindlela ezi-5 zokuthola usizo ngezindleko zezokwelapha uma ungenawo umshwalense

Inkampani

Ukukhokha izikweletu zezokwelapha kuyasabisa ngokwanele, ingasaphathwa eyokuthi uma ungenayo inshuwalense yezempilo. Ngo-2019, 137.1 million baseMelika ngilwa nobunzima bezezimali. Ngenkathi isabelomali sezindleko zokunakekelwa kwezempilo singasiza, kunezindlela ezingezekile zokwehlisa isikweletu sezokwelapha futhi uthole usizo ngezikweletu zezokwelapha.

OKUSHIWO: Izibalo zezikweletu zezokwelapha i-2020

Ukukhokha izikweletu zezokwelapha ngaphandle komshwalense

Uma uzithola usesimweni esiphuthumayo sezokwelapha esisongela impilo, kufanele uye ekamelweni labezimo eziphuthumayo elisesibhedlela esiseduze, ngaphandle kwesimo sakho somshuwalense. Kodwa-ke, uma isimo sakho sezokwelapha sidinga ukwelashwa kodwa cha yisho , ungakwazi ukufuna ukunakekelwa okungabizi kakhulu esikhungweni sokunakekela esiphuthumayo. Imali ekhokhwayo nezindleko ezingaphandle kwesikhwama zivame ukushibhile ezikhungweni zokunakekela eziphuthumayo kunalokho okufanele ukhokhe egumbini labezimo eziphuthumayo. I- Inhlangano Kazwelonke Yemitholampilo Ekhululekile Nesisa inesitholi somtholampilo esiku-inthanethi ongasisebenzisa ukucinga ukunakekelwa okungabizi okwelashwa okuseduze nawe.

Ngokomthetho, awukwazi ukwenqatshwa ekunakekelweni kwezokwelapha ngoba awunalo uhlelo lomshuwalense wezempilo noma awukwazi ukukhokha. Ngakho-ke, uzikhokhela kanjani izindleko zezokwelapha ngaphandle komshwalense? Nazi izeluleko ezinhlanu zokonga imali zokukhokha izikweletu zezokwelapha ngaphandle komshwalense.

1. Buyekeza izikweletu zakho ukuthola amaphutha

Amaphutha ayenzeka, ngisho nasezimalini zokwelashwa. I-typo eyodwa ingenza umehluko phakathi kokuthi insizakalo imboziwe noma cha inkampani yenkampani yomshuwalense noma cha. Inqubo yokuhlukanisa nokufaka amakhodi , ikakhulukazi lapho kwenziwa izinsizakalo eziningi, kungaba yinselele kunoma yimuphi uchwepheshe wezokunakekelwa kwempilo.

Buyekeza izikweletu zakho zezokwelapha nezindleko zezempilo ulayini ngomugqa bese ubheka amaphutha. Ungakhokhiselwa izinsizakalo ongakaze uzithole. Uphenyo olunzulu lungathola nokufakiwe okuyimpinda noma amanye amacala angalungile.

Kufika ku-80% wezikweletu zezokwelapha unamaphutha, ngokusho kweqembu labameli benkokhelo yezokwelapha Xazulula . Funa usizo eqenjini lokukhuthaza uma udinga usizo lokubuyekeza amaphepha wakho wezindleko zezokwelapha. Ungacela futhi ukubuyekeza izindleko zakho zokwelashwa nomnyango wokukhokhisa isibhedlela. Usonhlalonhle noma ummeli wesiguli naye angatholakala ukukusiza esikhungweni sakho sezempilo.

2. Cela isephulelo

Ukuxoxisana ngomthethosivivinywa ophansi ngelinye isu lokusiza ukunciphisa izindleko zezokwelapha. Isibonelo, ngemuva kokubukeza i-invoyisi yakho, ungaqaphela izimali zesibhedlela zezinsizakalo ezingadingekile. Ungacela imali ethile ukuthi isuswe noma isuswe kumthethosivivinywa. Yize lokhu kungaqinisekisiwe ukunciphisa isikweletu sakho, kuwufanele umzamo wokubuza. Ungase umangale.

Futhi, ungakwazi ukuxoxisana ngebhili ephansi uma ungakwazi ukukhokhela yonke inkokhelo kodwa ungakwazi ukukhokha inani elibalulekile. Esikhundleni sokusetha uhlelo lokukhokha, ungakwazi ukukhokha isikweletu esikweletwa ngenani eliphansi ngemali eyisamba. Buza umphathi wehhovisi elikhokhayo ukuthi ingabe lesi yisixazululo esingaba khona abangasicabangela. An uthembisa ukukhokha ifomu lesamba kungaba wusizo, ikakhulukazi uma isikweletu sakho sidluliselwe kubakweletisi, futhi ucabanga ukufaka amafayili wokuqothuka.

Lapho ufuna ukwelashwa ehhovisi likadokotela, ikakhulukazi ngaphandle komshuwalense, ungabuza umhlinzeki wakho wezokunakekelwa kwezempilo uma enikeza izaphulelo ezigulini ezikhokha ngokugcwele noma ngemali. Ukubuza ngezaphulelo kunganciphisa ukucindezeleka okuhambisana nesikweletu semali yezokwelashwa.

3. Landelela umhlinzeki wakho womshuwalense

Ngisho nangepholisi yomshuwalense, ungathola ukuthi izinkampani eziningi zomshuwalense zimboza kuphela ingxenye yezindleko zezokwelapha ezihambisana nokwelashwa nemithi. Ngakho-ke, uma unohlobo oluthile lomshuwalense, kepha unezikweletu zokwelashwa ezingaphezu kwalokho ongakhokha, hlola inkampani yakho yomshuwalense ukubona ukuthi kukhona yini izimali ezingasuswa.

Inqubo yokufaka isikhalazo ngokusemthethweni ingadingeka ukunciphisa ibhalansi yakho. Cela incazelo yezinzuzo kumhlinzeki wakho womshuwalense ukuze ufunde kabanzi mayelana nokuthi yiziphi izinto ezikweletini zakho zesibhedlela ezingambozwa.

4. Ngena kuhlelo lokukhokha

Kwesinye isikhathi, kufanele uthole ukunakekelwa kwezempilo okudingayo futhi ugxile ekutheni ungakukhokhela kanjani ngemuva kweqiniso. Akuvamile ukuthi iziguli zikhokhele izindleko zokwelashwa ngohlelo lokukhokha. Ngisho nabantu abanomshuwalense banezikweletu eziphezulu zezokwelapha, ama-copay, nezinye izimali ezingaphandle kwephaketheni.

Xhumana nomnyango wokukhokhisa wesibhedlela ukuze ufunde kabanzi ngezinhlelo zokukhokha. Abaqoqi bezikweletu abaningi noma abantu abodwa eminyangweni ekhokhisayo banentshisekelo yokusebenza nabantu abafuna ukukhokha izikweletu zabo. Qiniseka ukuthi ufunda ukuphrinta okuhle kepha; ezinye izinhlelo zokukhokha zibiza inzalo.

5. Funa ukuncishiswa kwezindleko zezokwelapha enteleni yakho

Izindleko zezempilo ezifanele zingadonswa intela . I-Internal Revenue Service (IRS), ibona ukwelashwa okuningi, kufaka phakathi amazinyo, ukunakekelwa kwamehlo, ukuhlinzwa, kanye nokunakekelwa kokuvikela njengokuncishiswa intela. Imithi, izibuko, amazinyo okufakelwa, izinsizakuzwa, namanye amadivayisi wezokwelapha angadonswa ngentela.

I-IRS ibheka nezindleko zokuhamba emotweni yakho, izimali zokupaka, imali yebhasi, njalonjalo njengezindleko zokudonswa kwezimali. Zonke lezi zindleko ezingeziwe zingangezwa. Uma kunjalo Ngiyazisebenza , uyakwazi ukufuna zonke izinkokhelo zakho zomshuwalense wezempilo, futhi, okungaba yisisusa sokubhalisela uhlelo lomshuwalense wezempilo.

Kusukela ngo-2020, izindleko zezokwelapha ezingaphezu kuka-10% (ngaphambili 7.5%) zabantu noma imali engenayo eshintshiwe yomndeni (AGI) iyadonswa. Xhumana ne-accountant uma unezikweletu nezindleko ezeqile zezokwelapha.

Ubani ongasiza ngezikweletu zezokwelapha

Izinhlelo zosizo lweziguli nezibonelelo

Izinhlelo zosizo lwezezimali zesikweletu sezokwelapha zingatholakala ngesibhedlela noma ezinye izinhlangano zasendaweni. Buza ukubona ukuthi ngabe kukhona yini izibonelelo noma izikhwama zosizo lwezokwelapha okufanelekile. Imisebenzi Yezempilo YamaSamariya , I-UnitedHealthcare Children's Foundation , futhi Isisekelo se-HealthWell yizinhlangano ezintathu nje kweziningi ezingenzi-nzuzo ezinikeza usizo lwezezimali kubantu ngabanye nasemindenini enezindleko zokwelashwa.

Ukufaneleka kuvame ukususelwa kumholo, ngakho-ke kungadingeka ukuthi uthumele imininingwane yezezimali, kufaka phakathi ama-stubs noma imininingwane yokubuyisa intela, njengengxenye yenqubo yakho yokufaka isicelo.

Izimali ezisiza umphakathi zinganciphisa futhi kwesinye isikhathi zihlanganise ngokuphelele umthethosivivinywa wezokwelapha. Ngakho-ke, uma wena noma othile omaziyo enenkinga yokukhokhela izindleko zokwelashwa, funa izibonelelo ngokusebenzisa amasonto asendaweni nezinhlangano ezingenzi nzuzo, kanye namaqembu ezwe online. Isikhwama esihle sama-samaritan singabuye sitholakale esikhungweni sezempilo lapho uthole khona ukwelashwa.

I-Medicaid

Uma uneholo eliphansi, uyisakhamuzi esikhulile, noma unezindleko zokwelashwa ezingaphezu kwalokho ongakhokha, ungakufanelekela lokho I-Medicaid . IMedicaid wuhlelo oluxhaswe nguhulumeni. I-Medicaid ingakhokhela ingxenye noma konke ukwelashwa nemiyalo oyidingayo. Ngenkathi ungafaneleka ukuthola inkokhelo ebuyiselwe ngezinqubo ngaphambi kokuvunywa, ungaqiniseka ukuthi ukwelashwa nemithi yesikhathi esizayo kuzohlanganiswa kuzonciphisa izindleko zakho jikelele zokwelashwa.

Okufanayo

Imithi kadokotela ivame ukubiza abangaqinisekisiwe. Ukusetshenziswa kwezidakamizwa kadokotela kuzokwenyuka cishe ngo-6.3% ngonyaka kusuka ngo-2016 kuya ku-2025, ngokusho kwe- Isikhungo seMedicare kanye neMedicaid Services (CMS). Enye indlela yokonga ezindlekweni zemithi kadokotela ngokusebenzisa isevisi yokonga efana ne-SingleCare. Okufanayo ingakusindisa kuze kufike ku-80% kumuthi wakho, futhi kumahhala ngokuphelele.

Kunezinye izindlela zokonga imali uma kukhulunywa ngemithi. Abahlinzeki bezempilo bavame ukuphatha amasampula emithi kadokotela. Ukucela umhlinzeki wakho ngesampula yamahhala kungakongela imali. Ungabuza futhi ngenye indlela noma amafomu ejwayelekile komuthi wakho. Umhlinzeki wakho wezokwelapha noma usokhemisi angakwazi ukukusiza uthole isixazululo esingabizi emithini ebizayo.

Okokugcina, amanani entengo ekhemisi awafani. Thenga ezungeze.Ikhemisi eliseduze belingathwala umuthi wakho ngentengo ephansi kakhulu. Sesha umuthi wakho bese ufaka ikhodi yakho ye-zip singlecare.com ukuthola ikhemisi eliseduze nawe ngentengo engcono kakhulu kadokotela wakho.

Kwenzekani uma ungakwazi ukukhokha izikweletu zakho zokwelashwa?

Ngeshwa, naphezu kwemizamo yabo, abantu abaningi abakwazi ukukhokhela izindleko zabo zokwelashwa. Izindleko zezokwelapha ziyisizathu sokuqala esenza ukuthi abantu base-US bahambe ukuqothuka . Ekugcineni, izikweletu ezihlambalazayo noma ezingakhokhelwa zezokwelapha zithunyelwa kwi-ejensi yokuqoqa.

Ingabe izikweletu zezokwelapha zithinta isikweletu sakho?

Uma izikweletu zezokwelapha zingakhokhelwa, zikhokhwa kancane, noma zingakhokhelwa ngesikhathi, zingadluliselwa enkampanini eqoqa imali. I-ejensi yokuqoqa izokwazisa ngokudluliswa kwesikweletu futhi inikeze ngezinsuku eziyi-180 kusukela osukwini lokwazisa ngaphambi kokwazisa abakwa-credit bureau ngesikweletu. Lapho nje isikhungo sezikweletu sivuma izikweletu zezokwelapha ezingakhokhiwe ohlelweni lwazo, amaphuzu akho esikweletu azokhombisa isikweletu sakho sezokwelapha esisele.

Izikweletu zezokwelapha zizohlala embikweni wesikweletu iminyaka eyisikhombisa. Noma isikweletu sezokwelapha singasuswa emlandweni wesikweletu, usabophekile ngokomthetho ukukhokha isikweletu. Lokho ngaphandle kokuthi ufayele ukuqothuka.

Ungakwazi ukufaka ifayili lokuqothuka kwizikweletu zezokwelapha?

Ukugcwalisa ukufelwa kungazwakala njengehlazo elingafuneki, kodwa ubungeke ube wedwa. Cishe 62% kokuqothuka eMelika kuhlobene nezinkinga zezokwelapha, ngokusho kweThe American Journal of Medicine. Ukuqothuka kwezikweletu okuhlobene nezikweletu kufakwa ngaphansi kweSahluko 7 noma Isahluko 13. I-Bankruptcy Code ibheka isikweletu sezokwelapha esifana nesikweletu sekhadi lesikweletu. Ngamanye amagama, isikweletu sezokwelapha nesikweletu yizikweletu ezingaphephile ongadingi ukuthi uzikhokhe uma ufuna ukuqothuka.

Ezimweni eziningi, ukugcwalisela ukuqothuka akudingi ukuthi ube nommeli, kepha kunconywa kakhulu. Lapho ufaka ukuqothuka, uzodinga ukuhlinzeka ngayo yonke imali engenayo yasekhaya noma yomndeni, kufaka phakathi imali engenayo yomuntu oshade naye. Olunye ulwazi maqondana nempahla yakho, izimoto, izindlu nomhlaba, kuzodingeka ukuthi lubikwe. Kuzofanele futhi udalule noma yikuphi ukuthengiswa kwakamuva noma ukudluliswa kwempahla, imali engenayo, nezikweletu njengengxenye yenqubo.

Ukuqothuka kuthinta isikweletu sakho kungakhathalekile ukuthi kungani sinesizathu. Izinga lakho lesikweletu lizokwehla, futhi ukuqothuka kuzovela kwirekhodi lakho lesikweletu iminyaka eyisikhombisa kuya kweyishumi. Ngalesi sizathu, ungahle uthande ukubheka ukuqothuka njengenketho yokugcina.

Izindleko zokwelashwa zingaba ngumthwalo onzima ongakwenza uzizwe ukhungathekile futhi uphelelwe yithemba. Kodwa-ke, akudingeki kube njalo. Uma unenkinga yokukhokha izikweletu zakho zezokwelapha, funa usizo ngokushesha kunokuba kamuva. Unezinketho eziningi zokuthola usizo ngezindleko zezokwelapha.