Ukubhaliswa okuvulekile kwe-ACA: Okudingayo ukwazi ngezinhlelo zezempilo ze-2021

Inkampani

Njengoba uNovemba esondela, yisikhathi sonyaka sokuqala ukucabanga ngesimo sakho somshuwalense wezempilo bese uhlela noma yiziphi izibuyekezo zokutholakala kwakho. Noma ngabe ucabangela umshuwalense wezempilo njengomuntu oyedwa noma umndeni, kubalulekile ukuthi uzilungiselele isikhathi sokubhalisa esivulekile sokutholakala nge-Affordable Care Act. Isikhathi sokubhalisa esivulekile se-ACA sezinhlelo zezempilo ze-2021 siqala ngoNovemba 1, 2020, kuya kuDisemba 15, 2020.

Uyini Umthetho Wokunakekelwa Ongabizi (ACA)?

I-Affordable Care Act (ACA), kwesinye isikhathi ebizwa nge-Obamacare, yisivumelwano sikahulumeni esisayinwe ngabaphathi baka Obama saba ngumthetho. Umthetho wenzelwe ukwandisa ukunakekelwa kwezempilo kwabaseMelika, ikakhulukazi ngokwandisa izinsizakalo zeMedicaid nokufaneleka, ukudala izimakethe zohlelo lwezempilo ezisuselwa kuhulumeni, nokushintsha ukuthi abomshuwalense bakunikeza kanjani ukumbozwa kwabantu abanezimo ezazikhona.

Kwaqalwa ngo-2010, izici ezisemqoka ze-Obamacare zisasebenza. Izimakethe zomshuwalense wezempilo kwesinye isikhathi ezibizwa ngokuthi ukushintshaniswa komshuwalense wezempilo, zisekhona ukuze abantu bazisebenzise. Kodwa-ke, ngo-2017, umthetho wachitshiyelwa yiCongress ngesikhathi sokuphatha kukaTrump ukususa igunya lomuntu ngamunye-inhlawulo yentela yabantu abakhetha ukungabi nomshuwalense wezempilo.

Ngibhalisa kanjani?

Ngesikhathi sokubhalisa esivulekile, kunezindlela eziningana zokuthola ukumbozwa:

• Vakashela ezempilo.gov . Uzolandela imiyalo yokubhalisa kulelo sayithi, noma ulandele isixhumanisi esiya emakethe yesifundazwe sakho.
• Shayela i-carecare.gov ukuze uthole usizo lokubhalisa ku- 1-800-318-2596 .
• Thola ihhovisi lendawo ngosizo ngohlelo lwakho lokusebenza.
• Landa, ugcwalise futhi uthumele nge-imeyili ku ifomu lesicelo .

OKUSHIWO: Ungawuthola kanjani umshuwalense wezempilo

Ngubani ofanelekela ukubhaliswa okuvulelekile?

Ku thola ukumbozwa ngesikhathi sokubhalisa esivulekile, kufanele ube yisakhamuzi sase-U.S. (noma ube nesimo sokungena ngokusemthethweni), uhlale e-United States, futhi ungaboshwa.

Ngokuya ngezinga lakho leholo, ungahle ufaneleke ukuthola uxhaso lokwabelana ngezindleko, olwenzelwe ukwehlisa izindleko zokutholakala kwezempilo. Ukufaneleka koxhaso (noma lwe-premium tax credit) kususelwa kumholo wakho. Umthetho ojwayelekile ukuthi kufanele uthole okungenani u-100% wezinga lobuphofu obumbene, kepha hhayi ngaphezu kuka-400% wezinga lobuphofu.

Izinga lemali engenayo elifanelekayo liyashintsha unyaka nonyaka ngenxa yokwehla kwamandla emali, futhi uzokwazi ukuhlola ukufaneleka kwakho ngoNovemba 1 ngewebhusayithi ye-ACA: healthcare.gov.

Kunini ukubhaliswa okuvulekile?

Unyaka nonyaka kukhona iwindi lesikhathi lapho ungabhalisa kuhlelo lwe-ACA. Lesi sikhathi sibizwa ngokuthi yisikhathi sokubhaliswa esivulekile sonyaka.

Isikhathi sokubhalisa esivulekile (i-OEP) sokumbozwa kusuka ngoJanuwari 1, 2021, siqala ngoNovemba 1, 2020 kuya kuDisemba 15, 2020.

Ezinye izifundazwe zinikeza isikhathi sokubhalisa esivulekile. Ngezansi kwetafula elinemininingwane ngezikhathi zabo ezibekiwe zokubhalisa ezivulekile. Lokhu kushintsha unyaka nonyaka, ngakho-ke qiniseka ukuthi uhlola kabili nezwe lakho ukubona ukuthi izikhathi zokubhalisa zandisiwe yini.

Izwe	Vula izinsuku zokubhalisa zika-2021
California	Novemba 1, 2020 - Januwari 31, 2021
IColorado	Novemba 1, 2020 - Januwari 15, 2021
IMinnesota	Novemba 1, 2020 - Disemba 22, 2020
I-New York	Novemba 1, 2020 - Januwari 31, 2021
IWashington DC	Novemba 1, 2020 - Januwari 31, 2021

Ungabhalisela umshuwalense wezempilo ngemuva kokubhaliswa okuvulekile?

Ungase uzibuze ukuthi kwenzekani uma ungafaki isicelo sohlelo lokunakekelwa kwezempilo ngesikhathi se-OEP. Kubantu abaningi abadinga ukumbozwa, kusho ukuthi ngo-2021, ungaphuthelwa wukutholakala komshuwalense wezempilo.

Kodwa-ke, kunezikhathi ezikhethekile zokubhalisa (i-SEPs). Ama-SEP yisikhathi esingaphandle kwenkathi yokubhalisa ejwayelekile lapho abanye abantu bangafaka khona izicelo zokutholakala kwezempilo. Ungahle ufaneleke ukuthola i-SEP uma uhlangabezane ne- umcimbi wempilo ofanelekile (i-QLE) okukuvimbe ekutholeni uhlelo lokunakekelwa kwezempilo ngesikhathi esinqunyiwe sokubhalisa.

Eminye imicimbi efanelekayo engenza umuntu afanelekele i-SEP ifaka ukushada noma ukushintsha ikheli lakho lasekhaya, ukuba nengane, noma ukulahlekelwa ngumshuwalense wezempilo ngomsebenzi. Ngokuvamile unezinsuku ezingama-60 kusukela osukwini lomcimbi ofanelekile wokuphila ukuze ubhalise ohlelweni lokunakekelwa kwezempilo, uma kungenjalo kuzodingeka ulinde kuze kufike i-OEP elandelayo ukuze uthenge uhlelo.

Kuyaqapheleka ukuthi noma ngubani angafaka isicelo seMedicaid noma i-Children's Health Insurance Program (CHIP) nganoma yisiphi isikhathi unyaka wonke. Uma udinga ukumbozwa kwesikhashana — ngokwesibonelo, uma uphakathi kwemisebenzi — ungahle ufanelekele uhlelo lomshuwalense wesikhathi esilinganiselwe.

Ngaphansi kokuphathwa kukaTrump, lezi zinhlelo zesikhathi esifushane, eziyizikhathi ezingaphansi kwezinyanga eziyishumi nambili, zandisiwe ukuze zincintisane nezinketho zomshuwalense wendabuko ezitholakala ezimakethe zezempilo.

Ngabe kukhona inhlawulo yokungabikho komshuwalense wezempilo ngo-2020?

Lapho i-ACA yethulwa okokuqala ngo-2010, yaba nomthelela omkhulu emthethweni wentela wase-U.S., Ngenhlanganisela yezinhlawulo, izinhlawulo kanye nezikweletu zentela.

Ekuqaleni, uma ungenayo inshuwalense yezempilo okungenani izinyanga eziyisishiyagalolunye zonyaka, bekufanele ukhokhe intela eyengeziwe. Kodwa-ke, ngaphansi kokuphathwa kukaTrump, le ntela yasuswa. Kusukela ngo-2019, uma ungathengi umshuwalense wezempilo ngeke kudingeke ukhokhe intela eyengeziwe.

Lokho kusho, kunezinye izifundazwe eziphoqelela izinhlawulo zazo ngokungabi nomshwalense wezempilo. Abantu baseNew Jersey, District of Columbia, naseMassachusetts bangabhekana nezinhlawulo zentela ngokungawugcini umshwalense.

OKUSHIWO: Awukho umshuwalense wezempilo? Zama lezi zinsiza

Ingabe i-ACA iyithinta kanjani imishanguzo yami kadokotela?

Uma ukhetha ukuthenga umshuwalense wezempilo ngesikhathi sokubhalisa esivulekile, uzobona ngokushesha ukuthi akuzona zonke izinhlelo zomshuwalense ezenziwe ngokulingana. Kungakanani nokuthi imiphi imishanguzo ehlanganiswayo engahluka kakhulu phakathi kwamapulani.

Yingakho kwaSingleCare, noma ngabe nguwe unomshuwalense noma cha , ungazuza ekhadini lethu lokonga. Yikhombise ekhemisi lapho uthenga khona imithi yakho, futhi abasebenzi bazokwazi ukunquma ukuthi iyiphi inketho yomshuwalense wezempilo engabizi kakhulu futhi ebiza kakhulu kuwe — intengo yakho yomshuwalense, noma intengo ye-SingleCare.

OKUSHIWO: Izindlela eziyi-10 zokonga ezindlekweni zokunakekelwa kwempilo

Njengoba kunikezwe lokho cishe Ezine. Ezinhlanu% yabantu abadala baseMelika abanomshwalense onganele, awuwedwa uma ufuna izindlela zokwehlisa intengo yemithi yakho. I-SingleCare ingakusiza ukuthi wonge kufika kuma-80% emibhalweni yakho, noma ngabe awunawo umshuwalense wezempilo. Chofoza lapha ukuze ufunde kabanzi bese uqala ukonga ekugcwaliseni kwakho okulandelayo ngekhadi lethu lokonga lamahhala.