Siyini isikhathi sokubhalisa esivulekile?

Ukuchazwa Kwezempilo Kenkampani

Ukuhlolwa minyaka yonke kubalulekile ekugcineni impilo nenhlalakahle, kepha akuzona ezomzimba wakho kuphela. Ukuhlola kabusha izidingo zakho zomshuwalense wezempilo njalo ngonyaka — ikakhulukazi kulandela ukuxilongwa okusha noma imicimbi emikhulu yempilo — kungasiza kakhulu ekwenzeni ngcono ukumbozwa kwakho. Unyaka nonyaka, abaseMelika bathola ithuba lokwenza lokho ngesikhathi sabo sokubhalisa esivulekile minyaka yonke emakethe kanye / noma nomqashi wabo.

Siyini isikhathi sokubhalisa esivulekile?

Isikhathi sokubhaliswa esivulekile saminyaka yonke yisikhathi sonyaka lapho abaseMelika bangenza ushintsho kwimali yabo yomshuwalense wezempilo abakhethiwe (njengohlelo lwempilo lweqembu abaluthola kumqashi wabo) noma bathenge umshuwalense omusha nge-Health Insurance Marketplace (eyaziwa nangokuthi i-Obamacare) . (Abantu abane-Medicare noma i-Medicaid bazoba nemibandela nezikhathi ezahlukahlukene zokubhaliswa.)

Ukubhalisa okuvulelekile futhi kuyisikhathi esihle sabazuzi ukwengeza oshade naye noma abantu abathembele kuye, noma ngenye indlela bashintshe ukwakheka komndeni wabo, ohlelweni lwabo uma bengakakwenzi lokho vele.

Noma ngabe uhlela ukuvuselela uhlelo lwakho lwamanje, kuwumqondo omuhle ukuhlola ukuphrinta okuhle konyaka ozayo — yini futhi engafakiwe (njengemithi kadokotela kanye nama-copay) eshintsha unyaka nonyaka, ngakho-ke uzofuna ukwenza Qiniseka ukuthi unokutholakala okufanele kwakho nomndeni wakho.

Uma uphuthelwa yisikhathi sokubhalisa esivulekile esigcawini sikahulumeni, usengakwazi ukukhetha ukumbozwa okusha noma wenze izinguquko kuhlelo lwakho ngesikhathi sokubhalisa esikhethekile. Noma kunjalo, kufanele ube nokukodwa kokulandelayo imicimbi yokuphila efanelekile ukuze ubambe iqhaza ekubhalisweni okukhethekile :

• Izinguquko emndenini wakho: Uma ushada, uhlukanisile (ngokulahlekelwa ukumbozwa), noma uthola noma uthola ingane, ungakufanelekela ukubhaliswa okukhethekile. Ungase futhi ufaneleke uma umuntu othile ekhaya lakho efa futhi ulahlekelwa ukumbozwa ngenxa yalokho. Kufanele ufake isicelo sokutholakala kungakapheli izinsuku ezingama-60 kusuka komunye wale micimbi.
• Izinguquko endaweni ohlala kuyo: Uma uthuthela kukhodi entsha ye-zip noma esifundeni, noma uthuthela e-U.S. Usuka kwelinye izwe, ungafanelekela ukubhaliswa okukhethekile. Kwenzeka okufanayo kubafundi abafudukela noma besuka lapho babefunda khona isikole. Isixwayiso esisodwa: Ngaphandle kokuthi uthuthele kwelinye izwe, kuzofanele ukhombise ukuthi ubenomshuwalense wezempilo okungenani usuku olulodwa phakathi nezinsuku ezingama-60 ngaphambi kokuthi uthuthele kwenye indawo ukuze ufaneleke.
• Ukulahlekelwa ngumshuwalense wakho wezempilo: Uma ulahlekelwa ngumshuwalense wakho wezempilo ngenxa yokulahlekelwa umsebenzi ngokungazibandakanyi, ilungu lomndeni elahlekelwa ukumbozwa, noma ngoba ungafaneleki izinsizakalo zeMedicare noma zeMedicaid obukade uzithola, ungafaneleka Isikhathi Esikhethekile Sokubhalisa.
• Eminye imicimbi efanelekayo: Uma usanda kuba yisakhamuzi sase-U.S. Noma ushiye ukuboshwa, ungafanelekela ukubhaliswa okukhethekile.

Kunini ukubhaliswa okuvulekile kwe-2021?

Ngenkathi ukubhaliswa okuvulekile kwe-Affordable Care Act-imithetho evikelekile ngo-2020 sekudlulile, isikhathi se-2021 siyeza. Izinsuku zokubhalisa ezivulekile zinguNovemba 1 kuya kuDisemba 15, 2020 ezifundazweni eziningi, zinikeza abahlomulayo cishe amasonto ayisithupha ukuthi bathenge futhi baqhathanise amapulani ngaphambi kokuwathenga ngokushintshana komshuwalense wezempilo (kungaba yi-federally run healthcare.gov noma i-state-run yabo emakethe).

Uma izwe lakho lisebenza endaweni yalo yemakethe yomshuwalense wezempilo, lezo zinsuku zingahluka kancane (ngokwesibonelo, iCalifornia, iColorado, neWashington D.C zengeze unomphela izinsuku zazo ngoJanuwari). Ngokwengeziwe, ngenxa yesifo esiwumshayabhuqe se-COVID-19, izifundazwe eziningi zengeze izinsuku zazo ezibekiwe zokubhalisa, ngakho-ke hlola imakethe yezwe lakho ukuze uqiniseke. Ngo-2021, I-16 ithi (kufaka phakathi iNew York, iMassachusetts neWashington) bazoqhuba okwabo ukushintshisana.

Uma ubhalisela ukumbozwa phakathi nesikhathi sokubhalisa esivulekile, umshwalense wakho uzoqala ukusebenza ngoJan. 1.

I- Isikhathi sokubhalisa esivulekile seMedicare ihlukile ku- Isikhathi sokubhalisa esivulekile se-ACA . Ukubhaliswa okuvulekile kweMedicare kuka-2021 ungo-Okthoba 15 kuya kuDisemba 7, 2020, ngezinhlelo ezizoqala ukusebenza ngoJan. 1. IMedicare ibuye inikeze nangezinye izikhathi eziningi ezihlukile zokubhalisa ngezinhloso ezahlukahlukene. Ungavakashela ku-medicare.gov ukuze ufunde kabanzi.

Kwenzekani uma uphuthelwa ukubhaliswa okuvulekile?

Uma uphuthelwa yisikhathi sokubhaliswa esivulekile sama-2021, uba sengozini yokungatholi umshuwalense wezempilo unyaka wonke (ngaphandle kokuthi ufanele ukuthola isikhathi esikhethekile sokubhalisa). Lokhu kusho ukuthi kungadingeka ukhokhele izindleko zezokwelapha, njengokuvakasha kodokotela, imishanguzo kadokotela, nezinsizakalo eziphuthumayo, ephaketheni.

Ngenkathi i-ACA yayijwayele ukuthi labo ababengenayo imininingwane yezempilo (futhi bengakhululeki) ukuthi bakhokhe inhlawulo (eyaziwa ngenye njenge-Shared Responsibility Payment) ekubuyiseni kwabo intela yenhlangano, i-Tax Cuts and Jobs Act yaqeda leyo nkokhelo unyaka wentela 2019 nangaphezulu. Kodwa-ke, kunezifundazwe ezimbalwa ezisakhokhisa inhlawulo yezezimali, ngakho-ke uzofuna ukuhlola ngomthetho wezwe lakho.

Kukhona nezinye izinketho zokuhlanganisa kufanele uphenye uma ngabe uphuthelwe yisikhathi sokubhalisa esivulekile. Okokuqala, hlola ukubona ukuthi ungangezwa yini kuhlelo lomlingani wakho noma lozakwenu, noma uma ungaphansi kweminyaka engama-26, uhlelo lomzali wakho.

Uma ungenayo imali engenayo, ungafanelekela iMedicaid noma i-CHIP (Uhlelo Lomshwalense Wezempilo Wezingane), okuyimali engabizi kakhulu yezempilo enikezwa uhulumeni. Ungathola ukuthi ufanelekile yini ngokusebenzisa i-Health Insurance Marketplace noma ngokuxhumana nabo i-ejensi ye-Medicaid yesifundazwe sakho .

Izinhlelo zesikhathi esifushane zingenye i-stopgap yokumboza. Uhlelo lomshuwalense wesikhathi esifushane lunikeza ukumbozwa okungenani izinsuku ezingama-364, okunethuba lokufinyelela ezinyangeni ezingama-36. Lokhu kufakwa kuncane kakhulu kunohlobo lwecebo ongaluthola kumqashi noma eMakethe — umshwalense wesikhathi esifushane awudingeki ukukhokhela imiyalo noma izindleko zokubeletha, ngokwesibonelo - kepha kungasiza ukukhokhela izikweletu zezokwelapha ngenkathi ulindele ukuvulwa isikhathi sokubhalisa ngonyaka ozayo.

Enye inketho yokufaka umshuwalense wegebe (owaziwa nangokuthi umshuwalense wokungezelela). Umshuwalense wegebe wenzelwe ukusebenza ngokubambisana nomshwalense wakho oyinhloko (uvame ukubizwa ngokuthi umshwalense womshuwalense wakho) ukusiza ukugcwalisa izimbobo zokumboza. Isibonelo, ezinye izinhlelo ze-ACA azibandakanyi amazinyo noma umbono, ngakho-ke umzuzi angangeza uhlelo lomshuwalense wokulekelela ukuze bahlanze amazinyo abo noma bathenge izibuko ezintsha. Umshuwalense wegebe awuhloselwe ukufaka okunye ukumbozwa okuyisisekelo, kepha kungahle kusize uma kwenzeka kuba nesimo esiphuthumayo.

Ukusiza ukukhipha izindleko zokwelashwa ngaphandle kwemishwalense, kukhona nekhadi lesaphulelo le-SingleCare. Kumahhala landa bese usebenzisa , ikhadi leSingleCard akulona uhlobo lomshuwalense — kodwa uhlelo lwesaphulelo olwehlisa intengo yemali yemithi emakhemisi ase-U.S. Sesha izindondo zakho bese ubona ukuthi ungonga malini namuhla!