Kulembetsa kwa ACA kotseguka: Zomwe muyenera kudziwa za mapulani azaumoyo a 2021

Kampani

Pamene Novembala akuyandikira, ndi nthawi yachaka kuti muyambe kuganizira za inshuwaransi yanu ndikukonzekera zosintha zilizonse zomwe mungafotokozere. Kaya mukuganiza za inshuwaransi yaumwini monga banja kapena banja, ndikofunikira kukonzekera nthawi yolembetsa yotseguka kuti mudzalandire chithandizo kudzera mu Affordable Care Act. Nthawi yolembetsa ku ACA yotsegulira mapulani azaumoyo a 2021 ikuyambira Novembala 1, 2020, mpaka Disembala 15, 2020.

Kodi Care Care yotsika mtengo (ACA) ndi yotani?

The Affordable Care Act (ACA), yomwe nthawi zina imadziwika kuti Obamacare, ndi lamulo lalamulo lolembedwa ndi oyang'anira a Obama. Lamuloli lidapangidwa kuti liwonjezere chithandizo chamankhwala kwa anthu aku America, makamaka pakukulitsa ntchito za Medicaid ndi kuyenerera, ndikupanga misika yamatekinoloje okhudzana ndi boma, ndikusintha momwe ma inshuwaransi amaperekera kufalitsa kwa anthu omwe akhalapo kale.

Kukhazikitsidwa mu 2010, zoyambira za Obamacare zidakalipo. Msika wa inshuwaransi yazaumoyo womwe nthawi zina umatchedwa kusinthana kwa inshuwaransi yazaumoyo, ulipobe kuti anthu agwiritse ntchito. Komabe, mu 2017, lamuloli lidasinthidwa ndi Congress mu nthawi ya kayendetsedwe ka Trump kuti ichotse udindo wa munthu aliyense - chindapusa cha msonkho kwa anthu omwe asankha kuti asakhale ndi inshuwaransi yazaumoyo.

Ndingalembetse bwanji?

Nthawi yolembetsa yotseguka, pali njira zingapo zopezera kufotokozedwa:

• Pitani chipatala.gov . Mutha kutsatira malangizo kuti mulembetse tsambalo, kapena tsatirani ulalo wamsika waboma lanu.
• Imbani healthcare.gov kuti muthandizidwe kulembetsa ku 1-800-318-2596 .
• Pezani ofesi yakomweko kuti muthandizidwe ndi pulogalamu yanu.
• Tsitsani, malizitsani ndi kutumiza makalata mu fomu yofunsira .

ZOKHUDZA: Momwe mungapezere inshuwaransi yazaumoyo

Ndani akuyenerera kulembetsa?

Kuti pezani kufalitsa munthawi yolembetsa, muyenera kukhala nzika zaku U.S. (kapena kukhala ndi zololedwa mwalamulo), kukhala ku United States, osakhala m'ndende.

Kutengera ndi momwe mumalandila, mutha kulandira ndalama zogawana mtengo, zomwe zimapangidwa kuti muchepetse mtengo wothandizira zaumoyo. Thandizo (kapena ngongole ya msonkho wapamwamba) kuyenerera kutengera zomwe mumapeza. Lamulo lalamulo ndiloti muyenera kupeza osachepera 100% ya umphawi, koma osaposa 400% ya umphawi.

Magulu oyenererana ndi ndalama amasintha chaka chilichonse chifukwa cha kukwera kwamitengo, ndipo mudzatha kuwona kuyenerera kwanu pa Novembala 1 kudzera pa tsamba la ACA: healthcare.gov.

Kodi kulembetsa kutseguka kumakhala liti?

Chaka chilichonse pamakhala zenera pomwe mungalembetse dongosolo la ACA. Nthawi imeneyi imatchedwa kuti nthawi yolembetsa yotseguka pachaka.

Nthawi yolembetsa yotseguka (OEP) yolemba kuyambira Januware 1, 2021, ikuyamba kuyambira Novembala 1, 2020 mpaka Disembala 15, 2020.

Mayiko ena amapereka nthawi yolembetsa yotseguka. Pansipa pali tebulo lomwe limafotokoza masiku awo olembetsa. Izi zimasintha chaka ndi chaka, chifukwa chake onetsetsani kuti mwayang'ananso dziko lanu kuti muwone ngati nthawi zolembetsa zawonjezeredwa.

Mayiko	Tsegulani masiku olembetsa a 2021
California	Novembala 1, 2020 - Jan. 31, 2021
Colorado	Novembala 1, 2020 - Jan. 15, 2021
Minnesota	Novembala 1, 2020 - Disembala 22, 2020
New York	Novembala 1, 2020 - Jan. 31, 2021
Washington DC	Novembala 1, 2020 - Jan. 31, 2021

Kodi mungalembetse inshuwaransi yaumoyo mutatha kulembetsa?

Mwinamwake mukudabwa zomwe zimachitika ngati simukufunsira dongosolo la zaumoyo pa OEP. Kwa anthu ambiri omwe amafunikira kufotokozedwa, zikutanthauza kuti kwa 2021, mutha kuphonya inshuwaransi yazaumoyo.

Komabe, pali nthawi zolembetsa zapadera (SEPs). SEPs ndi nthawi yopatula nthawi yolembetsa nthawi zonse pomwe anthu ena atha kulembetsa zaumoyo. Mutha kukhala woyenera SEP ngati mwakumana ndi chochitika cha moyo woyenerera (QLE) zomwe zinakulepheretsani kupeza dongosolo lazachipatala pofika nthawi yomaliza.

Zochitika zina zoyenerera zomwe zingapangitse munthu kukhala woyenera SEP zimaphatikizapo kukwatiwa kapena kusintha adilesi yakunyumba, kukhala ndi mwana, kapena kutaya inshuwaransi yazaumoyo kudzera pantchito. Nthawi zambiri mumakhala ndi masiku 60 kuyambira tsiku lokhala ndi moyo woyenera kuti mulembetse dongosolo laumoyo, apo ayi muyenera kudikirira mpaka OEP yotsatira kuti mugule dongosolo.

Ndikoyenera kudziwa kuti aliyense atha kulembetsa ku Medicaid kapena Children's Health Insurance Program (CHIP) nthawi iliyonse chaka chonse. Ngati mukufuna kufotokozera kwakanthawi-mwachitsanzo, ngati muli pakati pa ntchito-mutha kukhala ndi mwayi wolandila inshuwaransi yayifupi.

Pansi pa kayendetsedwe ka Trump, mapulani akanthawi kochepa, omwe amakhala kwakanthawi kosakwana miyezi khumi ndi iwiri, awonjezedwa kuti apikisane ndi njira za inshuwaransi zachikhalidwe zomwe zimapezeka pamisika yazaumoyo.

Kodi pali chilango pa inshuwaransi yazaumoyo mu 2020?

ACA idayambitsidwa koyamba mu 2010, idakhudza kwambiri malamulo amisonkho aku US, kuphatikiza zilango, chindapusa, ndi misonkho.

Poyamba, ngati mulibe inshuwaransi yazaumoyo kwa miyezi isanu ndi inayi pachaka, mumayenera kulipira msonkho wina. Komabe, motsogozedwa ndi a Trump, misonkhoyi idachotsedwa. Kuyambira mu 2019, ngati simugula inshuwaransi yaumoyo simuyenera kulipira msonkho wina.

Izi zati, pali mayiko ena omwe amakwaniritsa zilango zawo posakhala ndi inshuwaransi yazaumoyo. Anthu ku New Jersey, District of Columbia, ndi Massachusetts atha kulandira zilango za msonkho chifukwa chosasunga inshuwaransi.

ZOKHUDZA: Palibe inshuwaransi yazaumoyo? Yesani izi

Kodi ACA imakhudza bwanji mankhwala anga?

Ngati mungasankhe kugula inshuwaransi yazaumoyo munthawi yolembetsa, mudzazindikira kuti sizinthu zonse za inshuwaransi zomwe zimapangidwa mofanana. Kuchuluka kwake ndi mankhwala omwe amaphimbidwa kumatha kusiyanasiyana pakati pa mapulani.

Ndicho chifukwa chake ku SingleCare, kaya inu muli ndi inshuwaransi kapena ayi , mutha kupindula ndi khadi yathu yosungira. Onetsani ku pharmacy komwe mumagula mankhwala anu, ndipo ogwira nawo ntchito athe kudziwa kuti ndi njira iti yotsika mtengo kwambiri ya inshuwaransi yazaumoyo komanso yotsika mtengo kwambiri kwa inu - mtengo wanu wa inshuwaransi, kapena mtengo wa SingleCare.

ZOKHUDZA: Njira 10 zopulumutsira pazachipatala

Popeza kuti pafupifupi Zinayi. Asanu% Akuluakulu aku America ali ndi inshuwaransi yokwanira, simuli nokha ngati mukufunafuna njira zochepetsera mtengo wamankhwala anu. SingleCare itha kukuthandizani kuti muzisunga mpaka 80% pamankhwala anu, ngakhale mulibe inshuwaransi yazaumoyo. Dinani apa kuti mudziwe zambiri ndikuyamba kusunga ndalama zanu potsatira ndalama ndi khadi lathu laulere.