COBRA

Funda Ngomthetho Wokuhlanganiswa Kwezimali Zomnotho Omnibus

Umthetho we-COBRA (Umhlanganisi we-Omnibus Budget Reconciliation Act) uhlinzeka abasebenzi abathile, abashadile, abashade nabo, izingane kanye nabahlala emakhaya abalahlekelwe yizinzuzo zabo zezempilo ukhetho lokuqhubeka nezinzuzo zezempilo ezihlinzekwa uhlelo lwezempilo lweqembu labo isikhathi esilinganiselwe emazingeni eqembu. Ukufaneleka kuncike ezimweni ezithile ezifana nokulahlekelwa umsebenzi ngokuzithandela noma okungazibandakanyi , ukunciphisa amahora asetshenziselwe, ukuguqulwa kwemisebenzi, ukufa, isehlukaniso kanye nezinye izenzakalo zokuphila.

Ngokuvamile, ukuhlinzekwa kwe-COBRA kudlulela izinyanga ezingu-18, nakuba kwezinye izimo, zingakwazi ukunweba isikhathi eside kakhulu.

Indlela i-COBRA isebenza ngayo

Izinhlelo zezempilo zeqembu ezihlanganisa abasebenzi abangu-20 noma ngaphezulu kudingeka banikeze izinzuzo ze-COBRA. Okungenani ama-40 athi, kune-mini-Cobra njengemithetho esebenza ezinkampanini ezincane, ngokuvamile labo abanabasebenzi aba-2-19. Abaqashi akudingeki bakhokhe imali ye-premium yomshuwalense wezempilo ngaphansi komsebenzi we-COBRA. Isisebenzi sinomthwalo wokukhokhwa kwe-premium yenyanga, kuze kube ngu-102% wezindleko kuhlelo.

Ezinkampanini eziningi, umshuwalense wezempilo uncedwa ngumqashi. Lokhu kusho ukuthi abasebenzi abakhokhi imali egcwele yezindleko zepulani, kodwa kuphela ingxenye, noma kwezinye izimo, abasebenzi abakhokheli amaprimiyamu yomshuwalense nhlobo. Ngakho izinkokhelo ze-COBRA zingaba zibiza kakhulu uma kuqhathaniswa nabasebenzi abaqashiwe abathola ngomqashi wabo ngenkathi besasebenza. Inzuzo ikwazi ukugcina unesimo esifanayo somshuwalense ngenkathi ufuna umsebenzi omusha noma unquma izinyathelo ezilandelayo - ngeke udinga ukushintsha odokotela futhi izindleko zemigomo yakho zizohlala zifanayo.

Uma ufanelekile izinzuzo ze-COBRA, umqashi wakho kudingeka azise inkampani yomshuwalense wezempilo yomcimbi, ngoba ikufanelekela ukukhokhelwa. Uzoba nezinsuku ezingu-60 zokunquma ukuthi ungathanda ukungena ku-COBRA. Ngeke ubhalise ngokuzenzekelayo.

Ngisho nangemva kokuba ukhetha ukungena, ukukhokhelwa kwakho kokuqala akufanele kwenzeke ngokushesha kodwa kufanele kwenziwe ezinsukwini ezingu-45 zokhetho lweCobra.

Zonke izinkokhelo zanyanga zonke zinezinkathi zomusa futhi azifanelekile kuze kube yizinsuku ezingama-30 ngosuku olufanele

Lokhu kunenzuzo kakhulu - uma ucabanga ukuthi uzothola umsebenzi omusha ngemali yomshwalense ngaphambi kokuthi kukhishwe umthethosivivinywa, ungakwazi ukubambezela ukuyikhokhela kuze kufike ngomzuzu wokugcina, ngolwazi lokuthi ukufakwa kwakho kubuyele emuva.

Thintana noMnyango Wezabasebenzi wase-US, Ukuphathwa Kwezokuphepha EzokuHlaliswa kwabasebenzi, 866-444-3272 ukuze uthole ukucaciswa okwengeziwe. Thintana noMnyango WezeMisebenzi Kahulumeni uma usebenzela umqashi onabasebenzi abangaphansi kuka-20 futhi unemibuzo mayelana nemigomo ye-mini-Cobra.

I-COBRA ne-Care Affordable Act
Ukuhamba kwe-Care Affordable Act (ACA) ngezinye izindlela kunciphise ukubaluleka kwe-COBRA. Lokhu kungenxa yokuthi i-ACA inikeza indlela elula yokuthi abantu bathenge umshuwalense wezempilo. Kungenzeka ukuthi ukuthenga umshuwalense ngokusebenzisa imakethe yokunakekelwa kwempilo yakho yombuso kuyoba kubiza kakhulu kunokunamathela kumshuwalense wezempilo wakho.

Ngaphambi kwe-ACA, i-COBRA nayo yayiyinzuzo ebalulekile ngoba yayiqinisekisa ukunakekelwa okuqhubekayo - lesi sici sasibalulekile kubantu abanezimo ezikhona ngaphambili, abazame ukuthola umshwalense. Ngaphansi kwe-ACA, akekho onganqatshwa noma okhokhiswa ngaphezulu kwomshuwalense wezempilo ngenxa yempilo yawo.

Ngaphezu kwalokho, amaphrimiyamu kubantu abadala angabi ngaphezu kuka kathathu kakhulu kunabo abadala.

Nazi ezinye zezici okufanele uzikhumbule uma unquma uma ufuna ukungena ku-COBRA noma ukuthenga uhlelo ngaphansi kwe-ACA:

• Izindleko: Njengoba kuboniswe ngenhla, kungenzeka ukuthi ukufakaza endaweni yakho kungabiza ngaphansi kwe-ACA. Kodwa-ke, izenzo zamuva zombuso kahulumeni ziye zaholela ezindlekweni ezandayo zezinyunyana ze-ACA zomshuwalense ezinikezwe ngezingxoxo. Ukukhishwa kwegunya lokuba ngabanye babe nomshuwalense kanye nokwandiswa kwamathuba okuhlinzeka ngezikhathi ezinqunyelwe amafomu okungaxoshwa ama-ACA okuhlinzekwa okugunyaziwe aqhutshwe ngabanye abantu abaphilile ngaphandle kwe-ACA futhi bakhulisa amaphrimiyamu kubantu abancane abaphila kahle kakhulu. Ngaphezu kwalokho, ukwenqaba kukaMengameli uTrump ukuqinisekisa ukuthengwa kwezindleko zokuxhasa izinkampani kubuye kubangele ukuba amaphrimiyamu akhuphuke.

Ngaphansi kwe-ACA, kunezinsizakalo ezisekelwe ngenzuzo etholakalayo. Uma umuntu uthenga ukuthenga ngokushintshana esikhundleni se-COBRA, insizakalo isekelwe kwimali engenayo phakathi nonyaka ukuthi inqubomgomo isebenza. Ngamanye amazwi, izinsizakalo zisekelwe enyangeni yakho oyisebenzisayo, kufaka phakathi ukungena kumholo ngemuva kokuphela komsebenzi wakho. Noma kunjalo, kwezinye izimo, abaqashi bangakwazi ukumboza amaphrimiyamu e-COBRA nyangazonke njengengxenye yephakheji yokuhlukanisa; uma kunjalo, i-COBRA iba yindlela engabiza kakhulu.

Ukuzijabulisa: Uma uphakathi nokwelashwa, ukugcina odokotela kanye namazinga afanayo wokuhlanganisa kungase kubaluleke kakhulu. Abanye abantu bangase bakhethe ukugcina i-COBRA kungakhathaliseki ukuthi yizindleko ngenxa yokujwayela nokuthula kwengqondo. Futhi, ukuthola uhlelo oluhambisana nezidingo zakho kumakethe wombuso wakho kuthatha isikhathi; kungase kubonakale kulula ukunamathela umshuwalense wezempilo osuvele ujwayelene nawo, ikakhulukazi.

I-Henry J. Kaiser Family Foundation ine-Subsidy Calculator ezobonisa imibono ehlukene yeminshuwalense kanye nama-premium ngolwazi oluphansi lomndeni.