Kuwongolera kukonza zovuta m’mabanja: Zolepheretsa ogula omwe amathandizidwa ndi abwana

Pomwe kulembetsa kotseguka pa Msika wa 2023 kumayamba m’maboma onse, ambiri amayang’ana kwambiri kukonza zomwe zimatchedwa “bug m’banja” ngati chimodzi mwazosintha zatsopano zomwe muyenera kuyang’ana pakulembetsa kotseguka kwa Msikawu. Ogula ena omwe ali ndi mwayi wopeza ndalama zolipiridwa ndi abwana kwa nthawi yoyamba azitha kulembetsa mapulani a Marketplace ndi thandizo lazachuma (malipiro amisonkho komanso kuchepetsa kugawana mtengo) zomwe zingapangitse kuti kufalitsako kukhale kosavuta kwa iwo kuposa Kufunika kwa abwana ndi othandizira. Komabe, kuyang’ana kuyenerera kwa Msika ndi zolembetsa ndizovuta ngakhale popanda malamulo atsopano pankhani yabanja. Chidule cha magaziniyi chikuwonetsa zovuta zina zomwe ogula angayembekezere kukumana nazo posankha kupindula ndi kukonzanso matenda am’banja.

Kuthekera komanso kutetezedwa kwa abwana

Kuyenerera kwa msonkho wamtengo wapatali wamsika kumadalira ndalama zapakhomo za munthuyo komanso ngati ali ndi “zotsika mtengo” zoperekedwa ndi olemba ntchito (mwa zina). Komabe, kwa achibale a anthu ogwira ntchito, kukwanitsa kufika pano kwakhazikika pamtengo wodzithandizira wopezeka kwa wogwira ntchitoyo; Malipiro owonjezera a mamembala saganiziridwa. Kufotokozera kumeneku, komwe kunatengedwa mu 2013, nthawi zina kumatchedwa “kusokonekera kwa banja.” Mu 2022, ndalama zapachaka za inshuwaransi yazaumoyo yothandizidwa ndi abwana ndi $22,463, pomwe mtengo wapakati wodzithandizira nokha ndi $7,911. Pansi pa “kusokonekera kwa banja,” mwachitsanzo, ngati bwanayo wapereka ndalama zonse zogulira antchito okha koma sanaperekepo kalikonse pamtengo wowonjezera wa kulembetsa achibale, achibale a ogwira ntchitoyo angatengedwe ngati mwayi wogula. Kuphunzira kuti Amathandizidwa ndi abwana awo, zomwe zimawalepheretsa kupeza chithandizo chandalama kuti athe kugulitsa msika.

Pansi pa malamulo atsopano aboma omwe adafalitsa kugwa uku, zopereka zomwe wogwira ntchito amafunikira kuti adzithandizira yekha komanso kuthandizidwa ndi banja zidzayerekezedwa ndi kukwanitsa 9.12% ya ndalama zapakhomo. Ngati mtengo wodzithandizira yekha ndi wotsika mtengo, koma mtengo wa chithandizo chabanja sichoncho, wogwira ntchitoyo sangayenerere thandizo lazachuma la Marketplace, koma achibale ake atha kufunsira thandizoli. Ngati olemba ntchito akupereka zosankha, njira yotsika mtengo yokhala ndi mtengo wamtengo wapatali wa 60% (chiwerengero cha “minimum value” cha ACA) chimagwiritsidwa ntchito poyesa kukwanitsa. (Kuchuluka kwa 60% kumatanthawuza kuti ndondomekoyi imaphatikizapo 60% ya mtengo wamtengo wapatali wamtengo wapatali pa gulu la olembetsa, ndi odwala omwe amalipira zotsalazo kudzera mu deductibles, coinsurance, ndi coinsurance.)

Anthu omwe atsimikiza kuti akuyenera kulandira ngongole yamisonkho ya Marketplace atha kulembetsa kuti achepetse mtengo wogawana ngati atalembetsa mundondomeko yasiliva ndikukhala ndi ndalama zapakhomo nthawi zambiri pakati pa 100 ndi 250 peresenti ya umphawi (pakati pa $23,030 ndi $57,575). banja la atatu a chaka cha 2023). Kuchepetsa kugawana mtengo kudzachepetsa mtengo wa ogula omwe sali m’thumba monga kuchotsera, kulipira limodzi, kapena coinsurance. Kuchepetsa kwa kugawana mtengo kumatsimikiziridwa pamlingo wotsetsereka kutengera ndalama. Amene ali pa ndondomeko zochepetsera zochepetsera ndalama adzakhalanso ndi malire otsika pachaka kuposa omwe amaloledwa pansi pa malamulo a ACA ($ 9,100 kwa munthu payekha ndi $ 18,200 kwa banja 2023).

Bungwe la KFF lati anthu opitilira 5.1 miliyoni agwa chifukwa cha vuto la banja la ACA. KFF ikuyerekezanso kuti 85% mwa anthuwa (4.4 miliyoni) adalembetsa ku inshuwaransi yothandizidwa ndi owalemba ntchito ndipo atha kugwiritsa ntchito ndalama zambiri kuti athandizire kuposa anthu omwe ali ndi ndalama zofananira omwe angalipire ndalama zogulira msika wothandizidwa. Ogwiritsa ntchito omwe akhudzidwa ndi kusokonekera kwa mabanja amatha kugwiritsa ntchito pafupifupi 15.8% ya ndalama zomwe amapeza pantchito yotengera olemba anzawo ntchito malinga ndi kafukufuku wina. Mosiyana ndi zimenezi, ACA angakwanitse kupeza ndalama zothandizira olemba ntchito mu 2023 ndi 9.12% ya ndalama – ndalama zomwe munthu amagwiritsa ntchito zoposa 9.12% za ndalama zomwe amapeza popereka ndalama zothandizira olemba ntchito ali ndi chithandizo chosatheka ndipo ndi oyenera kupindula msika.

Kukhazikitsa kwa Family Glitch Fix

Tsopano popeza lamulo lomaliza lasintha ndipo zomwe wogwira ntchito amathandizira pakusamalira mabanja akuganiziridwa kuti adziwe momwe angakwanitsire, ogula angayembekezere chiyani akamaganiza zolembetsa mu dongosolo la msika ndi thandizo la ndalama?

Ogula amafuna zambiri kuchokera kwa owalemba ntchito

Chovuta chimodzi chomwe ogwira ntchito ena amakumana nacho ndikufufuza zambiri kuchokera kwa abwana awo asanaone ngati kuli koyenera kulembetsa mabanja awo kuti apezeke pa Marketplace ndi thandizo la ndalama. Palibe chifukwa choti olemba ntchito apereke chidziwitsochi kwa antchito ake, zomwe zimayika udindo kwa ogwira ntchito kuyesa kuzitola. Pofuna kuthandiza ogula kusonkhanitsa zina mwazidziwitso izi, Federal Reserve yasintha “Employer Coverage Tool” yake, yomwe ogwira ntchito angatengere kwa abwana awo ndikuwafunsa kuti apereke zambiri za kuyenerera kuperekedwa, mtengo, ndi mtengo wochepa. Makasitomala amatha kugwiritsa ntchito chida ichi kumaliza ntchito zawo zamsika. (Gulu 1)

Zambiri zofunika Chifukwa chiyani mukufunikira? Kodi wogula angazipeze kuti?
Kodi zosankha zamapulani azaumoyo zothandizidwa ndi abwana zimakwaniritsa mayeso a “mtengo wochepera”? Mayeso a ACA amangogwiritsidwa ntchito pa mapulani a olemba anzawo ntchito omwe amapereka “mtengo wocheperako,” kutanthauza kuti ali ndi mtengo wamtengo wapatali wa 60% ndipo amapereka chithandizo chofunikira pakugonekedwa m’chipatala ndi chithandizo chamankhwala. Makasitomala atha kufunsa eni mabizinesi awo kuti awadziwitse. M’malo mwake, Summary of Benefits and Coverages (SBC) panjira yoyenera, iyenera kuwonetsa ngati ikukwaniritsa mtengo wocheperako.
Kodi ndalama zoperekedwa kwa wogwira ntchito ndi chiyani (zodzithandizira yekha ndi banja) panjira yotsika mtengo kwambiri yomwe imakwaniritsa mtengo wocheperako Izi ndizofunikira kuti muwone ngati wogwira ntchito akuyenera kulipira ndalama zochulukirapo kuposa zomwe angakwanitse – 9.12% ya ndalama zapakhomo za 2023 – kuti akwaniritse nyumbayo. Olemba ntchito anu ndi okhawo amene angakupatseni chidziwitsochi. Makampani ambiri amatumiza zopereka zofunika kwa ogwira ntchito pazosankha zonse zadongosolo panthawi yolembetsa yotseguka ya abwana. Olemba ntchito ena sangapereke izi zokha, zomwe zimafuna kuti wogwira ntchitoyo azipempha
Yll Dongosolo lothandizidwa ndi owalemba ntchito limalola wogwira ntchito kuletsa kubweza kwa banja lawo mkati mwa chaka kuti alembetse banjalo mu pulani ya msika. Ogwira ntchito ndi/kapena achibale omwe adalembetsa nawo ntchito yolemba ntchito adzafunika kulembetsa kuti alembetse pamsika wa 2023. Wothandizira mapulani a olemba ntchito aliyense amasankha ngati angalole ogwira ntchito kuti atuluke. Ogwiritsa ntchito ayenera kudziwa malamulo omwe mwini bizinesi akugwiritsa ntchito. Ngati bwanayo salola kuchotsedwa, achibale sangathe kupeza thandizo la ndalama kuti apeze msika

Malamulo a IRS nthawi zambiri amafuna kuti omwe atenga nawo mbali pamapulani a bizinesi asankhe njira yofikira chaka chisanayambike. Pambuyo pake, olemba ntchito amangofunika kulola kusintha pakati pa chaka pambuyo pa zochitika zoyenerera. Izi zitha kukhala zovuta kugwirizanitsa kulembetsa kwa Marketplace ndikuletsa kwa olemba ntchito kulembetsa. Mwachitsanzo, wolemba ntchito atha kukhala ndi chaka chokonzekera chomwe sichimayamba mu Januwale (chaka chopanda kalendala), pomwe kulembetsa kotseguka kwa Marketplace sikungafanane ndi kulembetsa kotseguka kwa abwana. Malangizo atsopano ndi omwe alipo kale a IRS amapatsa olemba ntchito mwayi wosankha (kaya ali ndi dongosolo la chaka cha kalendala kapena dongosolo losakhala lakalendala) kulola wogwira ntchito kapena wachibale kuti aletse kubweza kwa olemba anzawo ntchito ndikulembetsa pakati pa chaka ngati, chifukwa cha vuto labanja. kukonza, ali oyenera kulandira thandizo lazachuma la Marketplace. Olemba ntchito adzafunika kusintha mapulani awo azaumoyo kuti alole kulembetsa.

Olemba ntchito ambiri sangadziwe kuti akuyenera kuchitapo kanthu kuti alole ogwira ntchito kusiya kufalitsa kuti apindule ndi kukonza zolakwika kwa mabanja awo. Ngakhale kuti olemba ntchito sayenera kulola kuchotsedwa ntchito kumeneku, nthawi zambiri sikungawononge owalemba ntchitoyo. Kulola mwamuna kapena mkazi ndi wodalira kuti alembetse ku msika wothandizidwa ndi ndalama, mwachitsanzo, sikuchititsa abwana kuphwanya lamulo la ACA. Olemba ntchito ena angapeze ndalama zochepetsera ndalama polola kuti achibale ameneŵa atuluke chifukwa chakuti sakulipiriranso achibale ameneŵa.

Ogula ali ndi zosankha zovuta kuziwunika

Ngakhale wogula angapeze zambiri zomwe akufuna panthawi yoyenera, ndalama zotsika mtengo zogulira msika ndi chinthu chimodzi choyenera kuganizira posankha kulemba:

  • ‘Gawani’ mabanja. Kukonza cholakwika sikukhudza kuthekera kwa wogwira ntchitoyo, kwa achibale a wogwira ntchitoyo. Ngati malipiro a abwana ndi otsika mtengo kwa wogwira ntchitoyo koma osati kwa achibale, wogwira ntchitoyo angakhalebe ndi ntchito ya abwana, pamene odalira amalembetsa ndondomeko ya msika. “Kugawanika” kwabanja kumatanthauza kuti banja liri ndi mapulani awiri, omwe ali ndi kuchotsera (komanso kosiyana) kuchotsera, malire otuluka m’thumba, ndi maukonde osiyanasiyana othandizira. Komanso, wogwira ntchito wamkazi atha kusankha kulembetsa ndi banja lake pamsika. Komabe, popeza wogwira ntchito wamkazi sangayenerere kulandira msonkho wa premium, gawo lake la ndalama za banja silidzaperekedwa. Kuphatikiza apo, ngati banja lake liyenera kuchepetsedwa kugawana mtengo, achibale adzayenera kulembetsa mu dongosolo la Silver Market. pansi wantchito Malamulo apano ochepetsa kugawana mtengo.
  • Networking ndi kugawana mtengo.
    • Kusiyana kwa maukonde opereka mapulani. Kukula kwa maukonde a operekera kugulitsa msika sikungakhale kolimba ngati dongosolo la eni mabizinesi. Ogwiritsa ntchito adzafunika kuyang’ana ngati akuwonabe othandizira omwe alipo pa dongosolo lawo latsopano la msika.
    • kusiyana kwa mtengoKugawana: Iwo omwe sali oyenerera kuchotsera mtengo wogawana nawo angapezenso ndalama zochotsera ndalama zambiri komanso ndalama zambiri kuposa momwe angakhalire ndi chithandizo cha abwana awo. Mwachitsanzo, pafupifupi munthu aliyense wochotsedwa pamapulani otengera ntchito mu 2022 anali $1,763, poyerekeza ndi $4,753 pansi pa pulani ya msika wa siliva wapakati chaka chimenecho.

zoganizira zam’tsogolo

CMS yawonjezera kale mwayi wofikira kwa omwe akukhudzidwa kuti apereke maphunziro othana ndi vuto labanja. Nthawi idzanena ngati pakufunika zambiri kuti muwonetsetse kuti kukonza zolakwika m’banja kukuchitika kuti anthu okhudzidwa athe kupeza izi. Njira zosavuta zopezera chidziwitso chokhudza mtengo wa abwana ndi kufalikira kungakhale gawo limodzi lomwe liyenera kuwunikiridwa kuti muchepetse zovuta zomwe zilipo. Pamene opanga ndondomeko amawunika momwe angapangire kuti chithandizo chikhale chotsika mtengo komanso chopezeka m’dongosolo lathu logawika lazaumoyo, kukhazikitsa kusamvana m’mabanja ndi gawo limodzi lodziwikiratu pomwe thandizo lophunzitsidwa ndi lofunikira kwambiri kuti lithandizire ogula.

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