Chisankho Chofunika Chimene Muyenera Kupanga Mwezi Uno

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Ndikosavuta kuganiza kuti simufunikiradi inshuwaransi yazaumoyo, makamaka ngati muli achichepere, mulibe matenda aliwonse, ndipo ndinu m'modzi mwa anthu omwe samawoneka kuti akudwala. Koma aliyense akhoza kupukuta pachimake pa ayezi ndikuthyola mwendo (womwe ungakuthamangitseni $ 7,500) kapena kutenga kachilombo koyipa ndipo akuyenera kuchipatala (masiku atatu atha kuwononga $ 30,000). Ndiye inde, mukuzifuna. Kuphatikiza apo, mutha kupeza zinthu monga chisamaliro chaulere (monga kuyezetsa magazi ndi mayeso a pap), kulera, ndipo mudzalipira zochepa nthawi ina mukadzaganiza kuti mole paphewa panu ingakhale chinthu chodetsa nkhawa.

Koma mumangopeza zabwinozo ngati mutalembetsa! Kulembetsa kutseguka kwamapulani pansi pa Affordable Care Act kumayamba Loweruka ndikudutsa Disembala 15. Musadikire mpaka mphindi yomaliza kuti muzindikire. (Ndipo kumbukirani, ngati muli ndi chidziwitso cha 2014, muyenera kusankha ndondomeko yatsopano kapena kulembetsanso kuti mukhalebe mu 2015.)

Mukuda nkhawa ndi mtengo wake? Enroll America yopanda phindu idapeza kuti chaka chatha, 63% ya achikulire osalimbikitsidwa sanayese kuyesayesa kufotokoza, ndipo ambiri mwa anthuwa adatinso kukwanitsa kukhala chifukwa chake. Koma ngati mutapeza ndalama zochepa, mutha kuyenererana ndi ndalama zochepa. Kuphatikiza apo, chindapusa chopanda chithandizo chikukwera (njira): Ngati simunalandire chithandizo chaka chino (2014), mudzalipidwa 1 peresenti ya ndalama zomwe mumapeza kapena $ 95 pa munthu aliyense (zilizonse zomwe zili zapamwamba) mumalipira misonkho mu Epulo akubwerawa. Koma ngati simungapeze chithandizo cha 2015, chindapusa chidzakhala 2 peresenti ya ndalama zanu kapena $ 325 pa munthu aliyense. (Ngati mukuyesera kuchepetsa, sungani ndalama ndipo ndalama ndi malangizowa.)

Kugula inshuwaransi yazaumoyo kumawoneka ngati chinthu chowopsa (komanso chosangalatsa monga kutsuka mano), koma healthcare.gov imapereka njira zonse zomwe muyenera kutsatira ndikukhala ndi gawo la FAQ. Ingoyang'anani pa mphothoyo: kupita kwa dokotala wophimbidwa, chithandizo chaulere, kupewa chindapusa, komanso mtendere wamumtima podziwa kuti vuto lachipatala silingawononge akaunti yanu yakubanki.

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