ACA buɗe rajista: Abin da kuke buƙatar sani game da tsare-tsaren kiwon lafiya na 2021
KamfaninYayinda Nuwamba ta kusa, lokaci ne na shekara don fara tunani game da yanayin inshorar lafiyar ku kuma shirya don kowane ɗaukakawa game da ɗaukar ku. Ko kuna la'akari da inshorar lafiya a matsayin mutum ko dangi, yana da mahimmanci a shirya don lokacin rajista na buɗe don ɗaukar hoto ta hanyar Dokar Kulawa Mai Kulawa. Lokacin buɗewa na ACA don shirin kiwon lafiya na 2021 zai fara ne daga Nuwamba 1, 2020, zuwa Dec. 15, 2020.
Menene Dokar Kulawa Mai Kulawa (ACA)?
Dokar Kulawa mai Amfani (ACA), wani lokacin ana kiranta da Obamacare, ƙa'idar tarayya ce wacce gwamnatin Obama ta sanya hannu. An tsara dokar ne don kara lafiyar Amurkawa ga Amurkawa, da farko ta hanyar fadada aiyukan Medicaid da cancanta, kirkirar kasuwannin shirin kiwon lafiya na jihar, da kuma canza yadda masu inshora ke ba da tallafi ga mutanen da ke cikin yanayin can baya.
An aiwatar da shi a cikin shekarar 2010, har yanzu ana aiwatar da muhimman abubuwan da suka shafi Obamacare. Kasuwannin inshorar lafiya wani lokacin ana kiransu musanyar inshorar lafiya, har yanzu akwai mutane don amfani dasu. Duk da haka, a cikin 2017, Majalisar ta gyara shi a lokacin Gwamnatin Trump don cire ikon mutum - hukuncin haraji ga mutanen da suka zaɓi rashin inshorar lafiya.
Ta yaya zan yi rajista?
A lokacin buɗe rajistar, akwai hanyoyi da yawa don samun ɗaukar hoto:
- Ziyarci kiwon lafiya.gov . Ko za ku bi umarni don yin rajista a wannan rukunin yanar gizon, ko bi hanyar haɗi zuwa kasuwar jiharku.
- Kira healthcare.gov don taimakon yin rajista a 1-800-318-2596 .
- Nemo ofishi na gida don taimako game da aikace-aikacenku.
- Zazzage, kammala, da aika-wasi a cikin takardar neman aiki .
Dangantaka: Yadda ake samun inshorar lafiya
Wanene ya cancanci buɗe rajista?
Zuwa sami ɗaukar hoto yayin lokacin yin rajista, dole ne ya zama ɗan ƙasar Amurka (ko kuma kuna da matsayin shige da fice na doka), kuna zaune a Amurka, kuma ba za a tsare ku ba.
Dogaro da matakin kuɗin shiga, ƙila ku cancanci tallafin rabon kuɗi, wanda aka tsara don rage farashin ɗaukar lafiyar. Biyan kuɗi (ko ƙimar darajar haraji) cancanta ya dogara da kuɗin ku. Matsakaicin doka shine cewa dole ne ku sami akalla 100% na matakin talauci na tarayya, amma ba fiye da 400% na matakin talauci ba.
Matakan samun kudin shiga suna canzawa kowace shekara saboda hauhawar farashi, kuma zaku iya bincika cancantar ku a ranar Nuwamba 1 ta hanyar gidan yanar gizon ACA: healthcare.gov.
Yaushe ake yin rajista?
Kowace shekara akwai taga lokacinda zaku iya yin rajista a cikin shirin ACA. Wannan lokacin ana kiransa lokacin buɗe rajista na shekara-shekara.
Lokacin buɗe rajista (OEP) don ɗaukar hoto farawa Janairu 1, 2021, fara daga Nuwamba 1, 2020 zuwa Dec. 15, 2020.
Wasu jihohi suna ba da ƙarin lokacin yin rajista. Da ke ƙasa akwai tebur wanda ke bayani dalla-dalla game da takamaiman lokacin yin rajistar. Wannan yana canzawa shekara zuwa shekara, don haka tabbatar da ninki biyu tare da jihar ku don ganin an faɗaɗa lokacin yin rajista.
| Jihohi | Bude kwanakin yin rajista don 2021 |
| Kalifoniya | Nuwamba 1, 2020 - Janairu 31, 2021 |
| Colorado | Nuwamba 1, 2020 - Janairu 15, 2021 |
| Minnesota | Nuwamba 1, 2020 - Disamba 22, 2020 |
| New York | Nuwamba 1, 2020 - Janairu 31, 2021 |
| Washington DC | Nuwamba 1, 2020 - Janairu 31, 2021 |
Shin zaku iya yin rajistar inshorar lafiya bayan buɗe rajista?
Kuna iya mamakin abin da zai faru idan baku nemi tsarin kiwon lafiya ba a lokacin OEP. Ga mafi yawan mutanen da ke buƙatar ɗaukar hoto, yana nufin cewa don 2021, ƙila ku rasa samun inshorar kiwon lafiya.
Koyaya, akwai lokutan yin rajista na musamman (SEPs). SEP lokaci ne a waje da lokacin yin rajista na yau da kullun inda wasu mutane zasu iya neman tallafin kiwon lafiya. Kuna iya cancanta ga SEP idan kun sami a taron cancantar rayuwa (QLE) hakan ya hana ka samun tsarin kiwon lafiya a wa'adin rajistar.
Wasu abubuwanda suka cancanta wadanda zasu iya sa mutum ya cancanci SEP sun hada da yin aure ko canza adireshin gidanku, samun haihuwa, ko rasa inshorar lafiya ta hanyar aiki. Kullum kuna da kwanaki 60 daga ranar taron rayuwa mai cancanta don yin rajista a cikin shirin kiwon lafiya, in ba haka ba za ku jira har zuwa OEP na gaba don sayan shiri.
Yana da kyau a lura cewa kowa na iya neman izinin Medicaid ko Shirin Inshorar Kiwan Lafiyar Yara (CHIP) a kowane lokaci cikin shekara. Idan kuna buƙatar ɗaukar hoto na ɗan lokaci-misali, idan kuna tsakanin ayyukan-kuna iya cancanta don tsarin inshorar iyakantaccen lokaci.
A karkashin gwamnatin Trump, wadannan tsare-tsaren na gajeren lokaci, wadanda suke na wasu lokutan da basu wuce watanni goma sha biyu ba, an fadada su domin yin gogayya da hanyoyin inshorar gargajiya da ake samu a kasuwannin kiwon lafiya.
Shin akwai hukuncin rashin inshorar lafiya a cikin 2020?
Lokacin da aka fara gabatar da ACA a cikin 2010, yana da tasiri sosai kan dokar harajin Amurka, tare da haɗakar hukunci, tara, da kuɗin haraji.
Asali, idan baka da inshorar kiwon lafiya na akalla watanni tara na shekara, dole ne ka biya ƙarin haraji. Koyaya, a karkashin gwamnatin Trump, an cire wannan harajin. Ya zuwa na 2019, idan ba ku sayi inshorar lafiya ba ba za ku biya ƙarin haraji ba.
Wannan ya ce, akwai wasu jihohin da ke aiwatar da nasu hukunci saboda rashin inshorar lafiya. Mutane a New Jersey, Gundumar Columbia, da Massachusetts na iya fuskantar hukuncin haraji saboda rashin kiyaye inshora.
Dangantaka: Babu inshorar lafiya? Gwada waɗannan albarkatun
Ta yaya ACA ke shafar magunguna na na asibiti?
Idan ka zaɓi sayen inshorar lafiya a lokacin buɗe rajistar, da sauri za ka lura cewa ba duk tsare-tsaren inshora aka halicce su ba. Nawa da abin da magunguna ke rufe na iya bambanta tsakanin shirye-shirye.
Abin da ya sa a SingleCare, ko ku da inshora ko a'a , zaku iya amfana daga katin ajiyarmu. Nuna shi a kantin magani inda kuka sayi magungunan ku, kuma ma’aikatan za su iya tantance wanne ne mafi arha zaɓin inshorar lafiya kuma mafi tsada a gare ku — farashin inshorar ku, ko farashin SingleCare.
Dangantaka: Hanyoyi 10 don adanawa kan farashin kiwon lafiya
Ganin cewa kusan Hudu. Biyar na tsofaffin Ba'amurke ba su da cikakken inshora, ba ku kaɗai ba idan kuna neman hanyoyin rage farashin maganin ku. SingleCare zai iya taimaka maka ka ajiye har zuwa 80% a kan takaddunka, ko da kuwa ba ka da inshorar lafiya. Danna nan don ƙarin koyo da fara adanawa a sake cikawar ta gaba tare da katin ajiyarmu na kyauta.
