Ulwazi Lwezinzuzo Zempilo Yabasebenzi Abangasebenzi
Yazi ukuthi yini ongakhetha ngayo ukuze ukhethe uhlobo lomshuwalense wezempilo olwenzela isimo sakho.
Umshwalense Wezempilo Ohlinzekwe Ngenkampani
Uma ususiwe, umqashi wakho kufanele abukeze izinzuzo onelungelo lokuzithola uma ushiya umsebenzi. Buza umqashi wakho mayelana nokufaneleka kwakho ukuqhubeka nokuhlala ohlelweni lwezempilo lenkampani ngokusebenzisa umthetho we-federal COBRA . Ngokusho kwe-COBRA, uma inkampani ohambayo inabasebenzi abangaphezu kuka-20, kunqunywe umthetho ukuba unikele ngemisebenzi yomshuwalense wezempilo kubasebenzi abanqanyuliwe okungenani izinyanga ezingu-18. I-COBRA isebenza kubasebenzi abazithathela imisebenzi yabo ngokuzithandela noma ngokuzithandela, noma abahlala enkampanini kodwa balahlekelwa umshwalense wabo (ngenxa yezinguquko emahoreni abo, isibonelo).
Inzuzo ye-COBRA yukuthi ungahlala ohlelweni lwakho lomshuwalense wezempilo, okusho ukuthi ungabona odokotela abafanayo obabonile. Kodwa-ke, ukukhathazeka ukuthi udinga ukukhokha lokhu kuhlanganisa (kanye nemali eyengeziwe yokuphatha).
Khumbula ukuthi unewindi yosuku lwezinsuku ezingu-60 lokubhalisa ku-COBRA ngemuva kokushiya umsebenzi wakho, ngakho-ke bheka lokhu okukhethwa ngokushesha.
Kwezinye izimo, abaqashi bazokhokha ukukhokhelwa isikhathi esilinganiselwe njengengxenye yephakheji yokuhlukanisa . Ngakho-ke, kubalulekile ukukhuluma nomqashi wakho (noma umnyango wezisebenzi zomuntu wakho) ngaphambi kokuba uhambe, ngakho-ke uyazi ukuthi iziphi izinketho zakho zokuhlanganisa.
Umthetho Wokunakekelwa Onganakekelwayo
Ngaphansi komthetho we-federal uMthetho Wokunakekelwa Ongenakusiza (U-Obamacare), abasebenzi abangaqashiwe bangathola umshuwalense wezempilo emphakathini kaHulumeni Womshuwalense Wezempilo.
I-Marketplace inikeza abantu indlela yokuthenga umshuwalense wezempilo.
Ngokuvamile, abantu kudingeka bafake isicelo somshuwalense wezempilo eMakethe ngesikhathi sokubhalisa okuthile. Kodwa-ke, uma ushiya umsebenzi ngaphandle kwesikhathi esijwayelekile sokubhalisa, ufanelekela isikhathi sokubhalisa esikhethekile. Lokhu kusho ukuthi, uma ushiya umsebenzi wakho, unamafasitela okubhalisa izinsuku ezingu-60 ukuthenga futhi ubhalise ohlelweni lwezempilo ngeMakethe.
Izinketho zakho zomshuwalense wezempilo (kanye nezindleko) zizohluka kuye ngokuthi ingeniso yakho nosayizi wendlu.
Hlola Ngombuso Wakho
Ngaphambi kokwenza isinqumo somshwalense, hlola nomnyango womshuwalense wombuso. Abanye bathi abantu basebenzela umshwalense nge-Marketplace Marketplace, kanti ezinye izifunda zinezimakethe ezisemakhaya.
Uma ukuhlinzekwa kutholakala ngombuso wakho, izindleko zokwaziswa (kanye nekhono lokubamba iqhaza) ngokuvamile kuxhomeke kwimali engenayo kanye nenani labantu emndenini wakho.
Izinketho eziningi zomshuwalense
Uma ulahlekelwa umsebenzi wakho noma kungenjalo ungaqashiwe, kunezinye izinketho ezimbalwa zokuthola umshuwalense wezempilo. Ngezansi kukhona okunye ongakhetha kukho:
- I-Medicaid inikeza umshuwalense wezempilo okhokhelwayo mahhala noma ophansi kubantu abathile ngokusekelwe ezintweni ezithile. Abantu abathola Ukusizwa Kwesikhashana Imindeni Ehluphekayo (i-TANF), futhi eyaziwa njengezenhlalakahle, ngokuzenzakalelayo bafanelekela i-Medicaid. Abanye abantu nabo bangafaneleka ngokusekelwe emalini yabo engenayo kanye nezinsiza; isibonelo, abantu abahola imali encane, abesifazane abakhulelwe, asebekhulile, abantu abakhubazekile, nabanye bafanelekile. Thola ukuthi ufaneleka yini ku-Medicaid.
- Uhlelo lwe-Insurance Children's Health (CHIP) luhlelo lwempilo yomshuwalense wezempilo olukhululekile noma oluphansi. Thola ukuthi ngabe izingane zakho zifanelekela yini i-CHIP.
- Uma ungaphansi kweminyaka engu-26 futhi ungasebenzi, ungathola uhlelo lomshuwalense lwabazali bakho. Amazinga afanelekayo akudingeki abe abafundi besikhathi esigcwele noma abaxhomekile.
- Izinkampani zomshuwalense kanye nobudlelwane obuhlukahlukene bezikole ze-alumni zinganikeza umshwalense wesikhashana esifundazweni sakho.
- Izinyunyana, izinhlangano zokuhweba, namaqembu okugcinwa kwamalungu kuphela njengeBJ's Wholesale Club ne-Costco angase anikele ngezinhlobo ezahlukene zemshuwalense wezempilo.
Amathiphu Okuthola Umshwalense Wezempilo Uma Ungasebenzi
Kukhona nezinye izinketho zomshuwalense wezempilo ezitholakalayo. UStephen Trattner, uMongameli kanye noMphathi Wezokuthengisa Emkhakheni weCinergy Health, utshela izisebenzi zakhe ezingasebenzi:
- Khuluma nomqashi wakho. Ngaphambi kokushiya umsebenzi wakho, qiniseka ukuthi ukhuluma nomqashi wakho ngokuningiliziwe ngezinzuzo zakho (kufaka phakathi umshuwalense) ukuze uthole umqondo wokuthi lezi zizophela nini. Lolu lwazi luzokusiza wenze isinqumo mayelana nhlobo luni lomshwalense ozodinga.
- Qala ukuthenga umshwalense ngamunye ekuqaleni . Umshwalense uyinkimbinkimbi, futhi awufuni ukwenza isinqumo noma isinqumo esingasifundanga. Qala kusenesikhathi ukuze ukwazi ukulinganisa izinketho zakho. Awufuni ukuqala ukuthenga ngasekupheleni, ngoba ungagcina ungaqinisekisiwe isikhathi esifushane. Lokhu kungaba kokubili kuyingozi futhi kubiza.
- Gwema ukukhokha inhlawulo. Esinye isizathu sokuthenga umshuwalense kusenesikhathi ukuthi kufanele ukhokhele uhulumeni wesifundazwe (owaziwa nangokuthi "isigwebo," noma "isigunyazo somuntu ngamunye") uma ungenakho okubhekwa njengokufaneleka kwezempilo. Nganoma iyiphi inyanga awunayo umshuwalense, kuzodingeka ukhokhe. Kukhona ukukhululwa kuye ngezimo zakho (kufaka phakathi imali engenayo), kodwa lokhu kungesinye isizathu sokugwema ukungena umshuwalense wezempilo nganoma isiphi isikhathi.
- Yenza imininingwane yakho isilungele. Kungakhathaliseki ukuthi ufuna isicelo se-COBRA noma uya endaweni yamaHulumeni noma kaHulumeni, uzodinga ukuba nolwazi olulungile. Qinisekisa ukuthi uyazi imali yakho kanye nenani labathembeki emndenini wakho. Ungase futhi udinga inombolo yakho yokuphepha yomphakathi, ulwazi lentela, kanye nolwazi mayelana nesimiso somshuwalense wezempilo wamanje noma wangaphambilini.
- Hlola izindlela zokuhlela ezempilo ngokusekelwe kwezidingo zakho zokunakekelwa kwezempilo (noma zomndeni). Isibonelo, izinhlelo zomshuwalense wezempilo zingakuvumela ukuthi ukhethe i-deductible ephakeme, uthi $ 5,000, ukuze uthole i-premium engabizi kakhulu. Lolu hlobo lwepulani luzohlinzeka ngokubambisana uma ubhekene nesenzakalo sezokwelapha esiyingozi, kodwa ngeke sihlanganise izidingo zakho zokunakekelwa kwezempilo ezijwayelekile kanye nezibikezelo. Kukhona izinhlelo zesikhathi esifushane ezitholakalayo eziphelelwa yisikhathi ekupheleni kwenyanga eyi-6 noma engu-12 futhi zindleko ezingaphansi kwezinhlelo ezinkulu zokwelashwa. Cabanga ngokuthi yiluphi uhlelo oluzosebenza kangcono kuwe.
- Ukukhetha inqubomgomo engabandakanyi izindawo eziningana zokwelapha kuyindlela yokunciphisa amazinga akho okukhokha imali. Kunezinhlelo zokwelapha eziphansi, ezilinganiselwe ezihlinzekela ukufakwa kwezidingo zomuntu siqu ngokushesha, njengokuvakashelwa odokotela njalo kanye nokuhlala esibhedlela esifushane, ngaphandle kokudonswa.
Izinketho zokubukeza
Kubalulekile ukwazi ukuthi unesikhathi esinqunyiwe sokunquma ngezinketho zokunakekelwa kwezempilo, ukuhlola ngokucophelela izinketho zokugcina ukuhanjiswa ngokushesha ngangokunokwenzeka ngemuva kokuba umsebenzi wakho uqede. Nansi ulwazi lokuhlola umshwalense we-COBRA vs. Marketplace (Obamacare) .