Chithunzi chambiri cha Ciara McCarthy

Kodi muli ndi inshuwaransi yazaumoyo? Momwe Mungasankhire Obamacare ku Texas

Texans atha kusankha inshuwaransi yazaumoyo ya 2023 poyendera health.gov.

Texans atha kusankha inshuwaransi yazaumoyo ya 2023 poyendera health.gov.

AP

Texas ikupitilizabe kutsogolera dzikolo kuchuluka kwa anthu opanda inshuwaransi yazaumoyo.

Pakati pa akuluakulu aku Texas ochepera zaka 65, 29% analibe inshuwaransi yazaumoyo chaka chatha, malinga ndi kusanthula kwatsopano kuchokera ku National Center for Health Statistics. Texas inali ndi chiwerengero chachikulu kwambiri cha anthu omwe alibe inshuwaransi chaka chatha, kupitirira chiwerengero cha anthu osatetezedwa cha 12.6%.

Koma ma Texans ambiri omwe alibe inshuwaransi yazaumoyo ali ndi mwayi wogula inshuwaransi yaumoyo mpaka Januware 15, kudzera mu Affordable Care Act, yomwe imadziwikanso kuti Obamacare. Ndipo kwa ena a Texans, mapulani azibwera ndi thandizo lothandizira kulipira mtengo wamalipiro apamwezi.

Nazi zomwe muyenera kudziwa.

Kodi kulembetsa kotseguka ndi chiyani?

Kulembetsa kotseguka ndi nthawi yomwe anthu aku America angasankhe dongosolo la inshuwaransi yazaumoyo kudzera mu health.gov, msika wa inshuwaransi ya boma.

Pafupifupi 46% ya ma Texans amapeza inshuwaransi yazaumoyo kudzera muntchito zawo, malinga ndi kalembera wa anthu. Ma Texans ena, monga omwe ali ndi zaka 65 kapena kuposerapo, ana ndi olumala, atha kukhala oyenerera mapulogalamu a inshuwaransi yazaumoyo, monga Medicare kapena Medicaid.

Kwa anthu omwe salandira chithandizo chamankhwala kudzera mu ntchito zawo, kapena omwe sali oyenerera pulogalamu yapagulu, pali njira ina. Pakulembetsa kotseguka, komwe kumayamba pa Novembara 1 mpaka Januware 15, Texans amatha kuyang’ana mapulani omwe alipo ndikugula imodzi kuti akhale ndi inshuwaransi yazaumoyo ya 2023.

Kodi ndingasankhe bwanji pulani?

Pali mazana a mapulani osiyanasiyana omwe amapezeka pa health.gov.

Ngati simukudziwa bwino za inshuwaransi yazaumoyo, kapena ngati mawu ngati “malipiro apamwezi” ndi “deductible” akusokoneza, muyenera kupeza thandizo kuchokera kwa “thandizo.” Othandizira amapereka chithandizo chaulere kwa anthu omwe amasankha inshuwalansi ya umoyo pa msika, ndipo sagwira ntchito kapena kulandira chilimbikitso kuchokera ku makampani a inshuwalansi ya umoyo (zomwe zimachitika kawirikawiri pakati pa osankhidwa a zaumoyo kapena oyimira pakati). Ku Tarrant County, othandizira akupezeka ku JPS Health Network ndi North Texas Area Community Health Centers.

Mitundu ya mapulani omwe muli nawo amasiyana malinga ndi komwe mumakhala, ndalama zomwe mumapeza komanso ngati mumasuta.

Musamangoganizira za mtengo wa mwezi uliwonse umene mumalipira pa pulaniyo (yotchedwa premium), komanso kuchuluka kwa ndalama zimene muyenera kulipira m’thumba kaamba ka chisamaliro chamtundu wina, monga ngati milandu ya inshuwalansi, anatero Tamika Chambers, wochirikiza zachuma. ku bungwe lopanda phindu la Cancer Care Services. mwadzidzidzi, komanso ngati mukuyenera kuchotsera. Ananena kuti ngati muli ndi madokotala, zipatala kapena zipatala zomwe mwapitako, muyenera kulumikizana nawo ndikuwonetsetsa kuti akuvomereza inshuwaransi yanu musanasankhe mapulani.

Ndani angagule pulani pa Marketplace?

Anthu okhala ku United States, kaya akhale nzika kapena nzika zovomerezeka, atha kugula mapulani a inshuwaransi yazaumoyo pamsika.

Koma si onse omwe ali oyenerera thandizo la ndalama ngati akufuna dongosolo la Marketplace. Anthu ambiri omwe inshuwaransi yawo yaumoyo imaperekedwa kudzera mu ntchito sakuyenera kuthandizidwa ndi ndalama.

Anthu opanda inshuwaransi yazaumoyo omwe amapeza ndalama zosakwana 100% zaumphawi, kapena zosakwana $27,750 kwa banja la ana anayi, nawonso sakuyenera kuthandizidwa.

Kodi ndikufunika inshuwaransi yazaumoyo?

Anthu aku America sakufunikanso kulembetsa dongosolo la inshuwaransi yazaumoyo.

Koma pafupifupi aliyense amene amafunikira chithandizo chamankhwala, zidzakhala zotsika mtengo kupeza chithandizo ngati muli ndi inshuwalansi ya umoyo kuti ikuthandizeni kulipira.

“Simudziwa zomwe zingachitike m’moyo wanu,” adatero Chambers. “Mutha kusunga masauzande a madola ngati muli ndi inshuwaransi yazaumoyo.”

Zoyenera kupewa

Chambers adati aliyense amene akufuna inshuwaransi yazaumoyo pamsika azingoyang’ana mapulani pa health.gov. Mawebusaiti ena omwe ali ndi mayina kapena mapangidwe ofanana nthawi zambiri amagulitsa ndondomeko ya inshuwalansi ya umoyo yomwe sagwirizana ndi Affordable Care Act, choncho sangaphatikizepo ubwino ndi chithandizo chomwe anthu ambiri amafunikira.

Komwe mungapeze thandizo posankha inshuwaransi yazaumoyo

Onse a North Texas Community Health Centers ndi JPS Health Network atha kukuthandizani kulembetsa dongosolo la inshuwaransi yamsika.

North Texas Area Community Health Centers: Imbani 817-625-4254 ndipo nenani kuti mukufuna thandizo lofunsira inshuwaransi yamsika, kapena pangani nthawi yokumana pa ntachc.org.

JPS Health Network: Lumikizanani ndi Kulembetsa ndi Kuyenerera kwa JPS pa 817-702-1001, kapena pitani ku jpshealthnet.org/financial-resources/jps-connection.

Kunja kwa Tarrant County, mutha kupeza othandizira inshuwaransi kapena ma broker poyendera health.gov ndikudina Pezani Thandizo Lapafupi.

Nkhani zokhudzana ndi Fort Worth Star-Telegram

Ciara McCarthy amakhudza thanzi ndi thanzi monga gawo la Star-Telegram’s Crossroads Lab. Ntchitoyi imathandizidwa ndi Morris Foundation. Adabwera ku Fort Worth atatha zaka zitatu ku Victoria, Texas, komwe adagwira ntchito ku Victoria Advocate. Ciara amayang’ana kwambiri pakupatsa anthu komanso madera uthenga wofunikira kuti asankhe zochita pa moyo wawo komanso moyo wawo. Chonde funsani mafunso anu okhudza zaumoyo wa anthu onse kapena zachipatala. Imelo cmccarthy@star-telegram.com kapena imbani kapena mameseji 817-203-4391.

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