Nayi njira zabwino kwambiri za inshuwaransi kwa omwe amadzipangira okha ntchito
KampaniMwasiya makampani aku America ndikusankha kukhala mabwana anu. Zabwino zonse! Ndinu gulu lankhondo lomwe likukula la anthu odzilemba okha.
Malinga ndi Ntchito Yopeza Misonkho , Munthu amene amachita bizinesi yakeyake komanso amene amamuchitira malonda ena amawerengedwa kuti ndiwodzigwira. Muthanso kumva munthu wodzilemba ntchito ngati freelancer kapena womanga pawokha.
Pafupifupi Ogwira ntchito 9.6 miliyoni ku United States akudzilemba okha Bureau of Labor Statistics, bungwe la boma lomwe limatsata zinthu ngati izi. Ndipo chiwerengerochi chikuyembekezeka kukwera, pomwe aku America aku 103 miliyoni akudziyesa kuti ndi odzigwira okha pofika chaka cha 2026. Uku ndikuwonjezeka kwa 7.9%.
Kudziyimira pawokha kumatanthauza kuti zopindulitsa za kampani, monga inshuwaransi yazaumoyo, sizimaperekedwa ndi owalemba ntchito. Kusankha gwero labwino kwambiri la inshuwaransi kumatha kukhala kovuta.
Kodi ndi njira ziti zomwe mungadzipangire nokha inshuwaransi yazaumoyo?
Ubwino ndi zabwino zomwe mwina mudakhala nazo ndi ntchito yakampani sizimaperekedwa kwa inu phukusi mukamagwira ntchito. Inu ndi abale anu muyenera kudzisamalira kuti mupeze inshuwaransi yazaumoyo. Talingalirani zazotsatirazi posankha chithandizo chamankhwala chomwe chingakuthandizeni:
Zomwe mungasankhe inshuwaransi yazaumoyo
Msika waboma kapena waboma
Mutha kukhala woyenera kulembetsa nawo inshuwaransi kudzera mu Msika wa Inshuwaransi Yathanzi (amatchedwanso Affordable Care Act kapena Obamacare) ngati ndinu kontrakitala wodziyimira pawokha, mlangizi, freelancer, kapena mtundu wina wa ogwira ntchito pawokha. Pali mitundu ingapo ya inshuwaransi yazaumoyo yomwe mungasankhe, ina ndi mapulani okhala ndi ndalama zochepa. Kulembetsa kotsika ndi Novembala 1 mpaka Disembala 15; komabe, mutha kupeza inshuwaransi kunja kwa madeti amenewo ngati muli ndi vuto linalake-mwachitsanzo, mwataya ntchito. Mutha kuyendera www.healthcare.gov kuti mudziwe zambiri zamomwe mungasankhe kudzera pamsika waboma.
Mankhwala
Anthu mamiliyoni aku America amapatsidwa ndalama zotsika mtengo kapena zaulere kudzera mu Medicaid. Mutha kukhala odziyang'anira pawokha kuti mudzalandire Medicaid ngati banja lanu lili ndi ndalama zochepa (zomwe zimasiyanasiyana malinga ndi boma, ngakhale boma limakhazikitsa miyezo yochepa), komanso ngati mungakwaniritse zina zofunika. Palibe nthawi yolembetsa ya Medicaid, chifukwa chake mutha kuyitanitsa nthawi iliyonse. Pitani ku dipatimenti yazantchito yakwanuko kapena boma kuti mudziwe zambiri za kufalitsa pansi pa Medicaid, ndikuwona ngati mukuyenera.
Mankhwala
Ngati muli ndi zaka 65 kapena kupitilira apo, mutha kulandira mwayi wa Medicare. Muthanso kukumana ndi zofunikira za Medicare ngati mwakhala mu Social Security Disability (SSD) kwa zaka ziwiri, kapena ngati muli ndi ALS (Lou Gehrig's Disease) kapena muli ndi End State Renal Disease (ESRD).
Wolemba ntchito mapulani kudzera mwa wachibale
Ngati mnzanu kapena mnzanu wagwira ntchito, onani zomwe zingafune kuti mupeze inshuwaransi ya kampaniyo. Ngakhale simunakwatirane mwalamulo, mutha kukwanitsa. Olemba anzawo ntchito amapereka chithandizo chomwe chimatchedwa kuti mgwirizano wapabanja kwa iwo omwe ali mgwirizanowu. Ngati inu ndi mnzanu (kuphatikiza amuna kapena akazi okhaokha) mukukhala limodzi ndikukhala moyo wapabanja limodzi, mutha kukhala oyenera, bola ngati simunakwatirane ndi wina aliyense. Dziwani kuti, ngati wolemba anzawo ntchito amalipira gawo lina la inshuwaransi yazaumoyo wanu, mungafunikire kulipira misonkho. Kuphatikiza apo, makampani ena akuchotsa kufalitsa kotereku. Mudzapambana kwambiri ngati mnzanu akugwira ntchito pakampani yayikulu. Malinga ndi Ndondomeko Yapadziko Lonse Lantchito Zopindulitsa , Makampani opitilira 75% omwe ali ndi ogwira ntchito 10,000 kapena kupitilira apo apitiliza kupereka chithandizo chamankhwala kwa amuna kapena akazi anzawo omwe si amuna kapena akazi anzawo.
Kuphatikiza apo, ngati muli ndi zaka zosakwana 26, mutha kuphimbidwa ndi inshuwaransi ya makolo anu malinga ndi Affordable Care Act.
Inshuwaransi yaumwini
Muthanso kusankha mapulani a inshuwaransi yazaumoyo kudzera pakampani yabizinesi ya inshuwaransi. Mutha, komabe, mumalipira ndalama zowonjezera pamwezi kuposa momwe mungakhalire ndi gulu. Inshuwaransi yomwe imaperekedwa kudzera mu Affordable Care Act, mwachitsanzo, nthawi zambiri imakhala yotsika mtengo kwambiri kuposa inshuwaransi yazaokha, pomwe imapindulitsanso chimodzimodzi. Ngati muli ndi inshuwaransi yokhala ndi ndalama zochepa, lingalirani kutsegula fayilo ya akaunti yopulumutsa (HSA), komwe mungasungire ndalama, zaulere, kuti mugwiritse ntchito kuchipatala.
Ndondomeko zaumoyo wamagulu
Ngati ndinu wodzigwira ntchito yemwenso ali ndi ochepa pantchito, yang'anani pa dongosolo laumoyo . Mabungwe ena (monga The Writers Guild of America West ndi The Freelancers Union) amapatsa mamembala ziwongola dzanja pamitengo yamagulu. Mabungwewa amapeza mitengo yotsika mtengo yamagulu chifukwa imagwirizana ndi ena mumsika womwewo kapena m'makampani kuti apange magulu akulu. Koma pali zotsalira. Mabungwe ena amafuna kuti muwonetse ma msonkho ndi zolembedwa zina kuti mutsimikizire kuti mwalandira ndalama (zomwe amatsimikiza) ngati wantchito wodzilemba. Muyeneranso kulipira ndalama za umembala. Ndondomeko zina zamagulu azachipatala mwina sizingapereke zowunikira zonse monga mapulani ena, ndipo pakhala pali nkhawa zakusokonekera kwamaphunziro ena azaumoyo, kuwapangitsa kuti asakwanitse kulipira zomwe mamembala awo akunena. Mu 2018, oyang'anira a Trump adakhazikitsa njira zololeza anthu ambiri kupeza ma AHPs (mwachitsanzo, omwe amadzipangira okha ntchito ndipo alibe antchito), koma zosinthazo zinali adawombera kukhothi ndipo akupemphedwa. Lankhulani ndi broker wa inshuwaransi kapena fufuzani Dipatimenti Yantchito tsamba lawebusayiti kuti mumve zambiri.
Ndondomeko zogawana zaumoyo
Ndondomeko zogawana zaumoyo si inshuwaransi yazaumoyo. M'malo mwake, ndi mapulani omwe amagawana ndalama zothandizira pakati pa omwe ali mgulu logawana zaumoyo. Mumalipira mtengo wapatali (kutengera dongosolo lomwe mwasankha) lomwe limasungidwa kuthumba lantchito. Mukafuna chithandizo chamankhwala, ndalama zomwe ndalamazo zimalipira muthumba. Ndikofunika kuzindikira kuti, zambiri mwa mapulaniwa ndizachikhulupiriro, ndipo ntchito zina zamankhwala (monga kulera kapena kuchotsa mimba) sizingachitike. Ndipo chifukwa sizipanga inshuwaransi yazaumoyo, mapulani akugawanawa samagwirizana ndi ACA, ndipo mwina sangaphimbe anthu omwe anali nawo kale. Madongosolo ena ogawana zaumoyo amakhalanso ndi malire pamalipiro omwe angalipire pazomwe mamembala awo amadzinenera, zomwe zitha kukhala zovuta kwa anthu omwe amakhala ndi mavuto azachipatala.
Zosankha za inshuwaransi yayifupi
NKHANI
Tadaphatikiza lamulo la Omnibus Budget Reconciliation Act (COBRA) akukutsimikizirani kuti muli ndi ufulu wokhala kwakanthawi kochepa pansi paudindo waomwe munalemba ntchito mukadzasiya ntchito. Kodi mutha kukhala nthawi yayitali bwanji pamasiyana. Mwachitsanzo, ngati mwachotsedwa ntchito pazifukwa zina osati zolakwika kwambiri, mutha kukhala mpaka miyezi 18; pazochitika zina zoyenera, mutha kukhala mpaka miyezi 36. Malinga ndi US Department of Labor, pali zina zofunika kuyenerera. Kuphatikiza apo, ngakhale kufalitsa kwake kuli kofanana, mudzayenera kulipira zochulukirapo m'thumba la inshuwaransi popeza kuti abwana anu sakupatsanso ndalama iliyonse.
Ndondomeko zaumoyo zazifupi
Ndondomeko zaumoyo zazifupi ndizochepera, zazaka zambiri, zotsika mtengo / zochepetsa ndalama zomwe, malinga ndi inshuwaransi, zitha kupangidwanso kwa zaka zitatu. Koma amalephera m'malo ambiri. Choyamba, sizikuphimba zinthu zomwe zidalipo kale. Sakuphatikizanso chisamaliro cha umayi, thanzi lamisala, kapena mankhwala akuchipatala. Ndipo ambiri a iwo samalemba zomwe mungalipire zolipirira mthumba.
Zinthu 5 zofunika kuziganizira mukamasankha inshuwaransi yodziyang'anira
Ndi zosankha zambiri zomwe mungapeze, ganizirani zotsatirazi pochepetsa zisankho zanu:
1. Gwiritsani ntchito broker kapena agent
Nthawi zambiri pamakhala magawo angapo zikafika pama inshuwaransi azaumoyo. Mwachitsanzo, pakhoza kukhala Platinamu, Siliva, kapena Bronze — zonse zomwe zimafalitsa mosiyanasiyana pamitengo yosiyanasiyana. Wogulitsa broker kapena wothandizila akhoza kukuthandizani kuti musankhe zonse zomwe mungasankhe ndi mawu osakira ndikupeza pulani yomwe ili yoyenera kwa inu.
Maiko onse ali ndi State Health Insurance Assistance Program (SHIP), yomwe ingakupatseni chithandizo mosakondera kupeza dongosolo lomwe likugwirizana ndi zosowa zanu. Muthanso kupeza thandizo mopanda tsankho pakupeza dongosolo poyimbira foni ku Marketplace, kapena 1-800-Medicare (ngati mukuyenera Medicare).
2. Yang'anani mu zothandizira
Kutengera ndi bulaketi yanu, mutha kukhala ndi mwayi wopeza inshuwaransi yaumoyo pamtengo wotsika kapena wopanda mtengo (Medicaid). Ndikofunika kudziwa kuti ndi ndalama ziti zomwe mukuyenera kulandira mukamapeza njira yabwino kwambiri.
3. Sanjani msinkhu wa ndalama zanu
Mukamagula inshuwaransi kudzera mumsika wa Health Care Market, ndalama zanu zolipira zimadalira zomwe mumapeza chaka chatha. Izi zikutanthauza kuti, monga freelancer, muyenera kuyesa kulongosola molondola kuchuluka kwa ndalama zomwe mupange magawo anayi a chaka. Izi zitha kukhala zovuta, choncho khalani ndi nthawi yoganizira momwe mudachitiramo m'mbuyomu, dzifunseni ngati kuwerengera kwanu kuli kwenikweni, ndipo ganizirani zomwe zikuchitika pamakampani anu zomwe zingakhudze ndalama zanu. Ngati mupanga ndalama zochulukirapo kuposa momwe mumaganizira, mungafunikire kulipira ndalama zomwe mumapeza kudzera mumisonkho. Ngati mukuyerekeza kuti ndizocheperako, mwina mwaphonya ndalama zomwe munasunga.
4. Ganizirani mtengo wamapulani
Kuthyola banki mapulani a inshuwaransi yazaumoyo ngati munthu wodzilemba ntchito sizabwino. Koma mwina simukufuna kukhazikitsa njira yotsika mtengo kwambiri, mwina. Kudziyimira pawokha ndikuchita bizinesi yanu ndizopanikiza. Simukusowa kuda nkhawa kowonjezerapo zomwe zidzachitike kwa inu kapena abale anu ngati mavuto azaumoyo-komanso kukwera kwa ngongole zamankhwala zomwe zimatsatirana nawo-zikubwera.
Lamulo labwino la chala chachikulu ndikudziwa kuti m'munsi mwa mapulani a deductible ndi, apamwamba omwe amakhala mwezi uliwonse. Kuti muwone ngati mapulani otsika / apamwamba (kapena mosemphanitsa) ndi oyenera kwa inu, ganizirani zaka zanu, thanzi lanu lonse, kangati mumapita kukaonana ndi madotolo, komanso ngati muli ndi thanzi lakale.
5. Dziwani omwe mungaphatikizire
Opanga inshuwaransi nthawi zambiri amalipiritsa zochulukirapo pazithandizo zamankhwala zomwe zimaphatikizapo zoposa munthu m'modzi. Ngati muli ndi mnzanu kapena mnzanu wapakhomo yemwe wagwirapo ntchito, ndibwino kuti mupeze mtengo wofikira dongosolo lawo musanalembe zatsopano.
Chifukwa chomwe simukufuna kukhala osalimbikitsidwa
Chifukwa cha kukwera mtengo kwa inshuwaransi yapadera komanso zina, zingakhale zovuta kuti mupite. Koma kusankha kupita osalimbikitsidwa kumatha kubweretsa zotsatira zoyipa zochepa.
Zilango za misonkho
Ngakhale boma la feduro silikulipilanso chindapusa ngati mungakwanitse kulipira chithandizo chamankhwala koma osasankha kugula, sizitanthauza kuti dziko lanu likupatsani mwayi woti mupeze ndalama. Pakadali pano, Massachusetts, New Jersey, ndi Vermont amapereka chindapusa kwa anthu omwe ataya inshuwaransi yazaumoyo, ndipo mayiko ena akuganiza zotengera zomwezo.
Mapindu amisonkho
IRS imakulolani kutenga fayilo ya kuchotsedwa ntchito inshuwaransi yazaumoyo ngati munapanga phindu chaka chimenecho. Izi ndizosintha pamalipiro (osati kuchotsera misonkho) pamalipiro omwe mudalipira pa inshuwaransi yazaumoyo kuti mupeze chithandizo chamankhwala komanso inshuwaransi yanthawi yayitali ya inu nokha, mnzanu, ndi omwe mumadalira. Kuphatikiza apo, mutha kutenga ndalama zomwe mumawonongera kuchipatala (pazinthu monga kupita kuchipatala, chindapusa, komanso magalasi amaso) omwe amapitilira 7.5% yazopeza zanu zonse.
Ndalama zotuluka m'thumba
Omwe ali ndi inshuwaransi nthawi zambiri amakhala ndi kapu pamtengo womwe amalipira mthumba. Anthu opanda inshuwaransi alibe malire. Anthu osalimbikitsidwa atha kukumana ndi ndalama za makumi kapena madola masauzande ngati akuvutika ndi china chake monga matenda amtima kapena ngozi yoopsa. Kusakhala ndi inshuwaransi kumatha kukhalaokwera mtengo, mwachangu.
Ndalama za inshuwaransi ya ndalama zingati ngati ungadzipange wekha ntchito?
Ndi mitundu yambiri monga zaka zanu, komwe mumakhala, komwe mumalandira inshuwaransi ndi dongosolo lomwe mwasankha, limenelo ndi funso lomwe ndi losatheka kuyankha. Malinga ndi kafukufuku wa 2019 wokhudza maubwino azaumoyo owalemba ntchito omwe a Kaiser Family Foundation , ndalama zoyambilira za anthu osakwatira omwe adalembetsa ku inshuwaransi ya kampani yawo zimadutsa $ 7,188 pachaka, ndipo wogwira ntchitoyo amalipira 18% ya iyo- kapena pafupifupi $ 400 pamwezi. Ndipo limenelo ndi dongosolo lothandizidwa ndi kampani lomwe limathandizidwa pang'ono. Monga kontrakitala wodziyimira pawokha (pokhapokha mutakhala woyenera kulandira chithandizo cha boma kapena Medicare), mutha kuyembekeza kulipira ndalama zochulukirapo, ndipo mwina zochulukirapo. Mapindu omwe atchulidwa pamwambapa atha kuthandizira kuthetsa mtengo. Ndipo momwemonso angathe SingleCare.
Pulogalamu ya Khadi lopulumutsa la SingleCare laulere Itha kukupulumutsirani mpaka 80% pamankhwala omwe amapezeka kuma pharmacies opitilira 35,000 mdziko lonse, kuphatikiza CVS, Target, Walmart, ndi zina zambiri. Pafupifupi, ogwiritsa ntchito a SingleCare amasunga pafupifupi $ 150 pachaka pamankhwala omwe apatsidwa. Palibe chindapusa kapena kulembetsa ndi SingleCare ndipo ngakhale iwo omwe ali ndi mapulani a inshuwaransi amatha kugwiritsa ntchito ndikusunga. Mtengo wathu nthawi zina umakupatsani mtengo wotsika poyerekeza ndi omwe mumalipira nawo inshuwaransi. Gwiritsani ntchito singlecare.com kuti mufufuze mankhwala anu ndikupeza mankhwala omwe ali pafupi nanu omwe ali ndi mankhwala anu pamtengo wotsika kwambiri.
Mfundo yofunika: Musaike pachiwopsezo kuti mulibe inshuwaransi yazaumoyo-mutha kumaliza kuwononga ndalama zambiri ngati mulibe inshuwaransi. Mapulani a inshuwaransi yazaumoyo ya anthu omwe amadziyang'anira akhoza kukhala osiyanasiyana kutengera komwe mukukhala komanso ndalama zanu. Tengani nthawi yochita homuweki yanu ndipo ganizirani njira zambiri zomwe mungasungire polemba.
