Kyautattun Biyan Kuɗi na Kyauta ne Sau da yawa Ana Magana a matsayin Kyauta
Kyautar bashi na kyauta shi ne wani ɓangare na Dokar Kulawa mai Kulawa ( Obamacare ). Sau da yawa ana kiran su a matsayin tallafin kuɗi , kuma an tsara shi don taimakawa wajen samun asibiti na asibiti mafi tsabar kudi ga mutane masu karfin kudi da marasa kasan (kalmomin "low-income" da "na tsakiya" su ne ainihin; don bayyana, yawan kuɗin kuɗin haraji ne samuwa ga mutanen dake da kudin shiga gida kamar yadda kashi 400 cikin dari na talauci.
Wannan shi ne $ 98,400 na iyali na hudu a shekara ta 2018)
Kodayake wakilan majalisar Republican sun shafe shekaru 2017, suna kokarin ƙoƙari, don warware wa ACA, babu wani abu game da dokar da ta canja a yanzu. Ƙarin bashin harajin ACA har zuwa 2018, kuma a yawancin jihohi, ƙididdigar sun fi girma a 2018 fiye da yadda suke cikin shekarun baya . Don haka bari mu dubi abin da bashi bashi bashi da yadda yake aiki:
Aikin bashin haraji na ACA
Abun tallafi ne kawai ga mutane tare da gyaran kudaden gyare-gyaren gyare-gyaren da aka gyara daga kashi 100 zuwa 400 na matakin talauci na tarayya (a cikin jihohi 31 da DC inda Medicaid ya fadada a karkashin ACA, ƙananan kujerun ƙofa don bashi na harajin bashi ya kai kashi 139 cikin 100 na matakin talauci, domin Medicaid yana rufe mutane a kasa da matakin). Bugu da ƙari, tallafin kawai yana samuwa ga waɗanda suke sayen inshora na kiwon lafiya ta hanyar haɗin inshora na kiwon lafiya na gwamnati a kowace jiha.
[lura cewa bashi bashi na kyauta yana samuwa ga 'yan baƙi na kwanan nan waɗanda aka ba da izini a Amurka amma waɗanda suke samun kudin shiga a kasa da talauci. An kara wannan arziki a cikin ACA saboda 'yan baƙi na yanzu ba su cancanci Medicaid har sai sun kasance a Amurka na akalla shekaru biyar.]
Idan kana cancanta don tallafin bashi na bashi, zaka iya zaɓar da za a biya shi gaba daya kai tsaye zuwa kamfanin inshorar lafiyar ku kowace wata. Wannan zai rage yawan kuɗin da za ku biya don kuɗi a kowace wata. Ko kuma, za ka iya zaɓar don samun shi a matsayin juji da aka haɗa tare da karɓar harajin kuɗin haraji na tarayya. Ko ta yaya, yana da bashin harajin bashi, wanda ke nufin ka samo shi koda kuwa ya wuce adadin da kake biya a haraji na tarayya.
Kuna son ƙarin koyo game da bashin bashi? Gano idan kana da cancanta, yadda za a yi amfani da ku, nawa ne bashi, kuma me ya sa za ku iya biya wani ɓangare na bashi ta hanyar karatun, " Yaya Kamfanin Biyan Kuɗi na Biyan Kuɗi na Babban Asusun Kuɗi na Kuɗi? "
" Zan iya samun taimako don biyan bashin lafiya? "Za ta ba ka ƙarin bayani game da shirye-shirye na gwamnati, ciki har da bashi na bashi, don taimaka wa marasa lafiya da masu karɓar kudi su sami asibiti na kiwon lafiya ba tare da karya ba.
Har ila yau Known As
Idan kun biya cikakken farashin kuɗin sayan kuɗi a cikin shekara kuma kuyi la'akari da bashi a kan kuɗin kuɗin kuɗin, ana kiran ku kyautar bashi (PTC).
Amma yawancin mutane sun za i su sami bashin da aka biya a gaba, kai tsaye ga masu ba da lamuni na kiwon lafiya a kowane wata (wanda ya rage adadin da za a biya a cikin kowane wata).
A wannan yanayin, an kira shi kyautar bashi mai daraja (APTC).
Ko ta yaya, an ba da bashin haraji a matsayin tallafin kuɗi, ko kuma wani lokaci kawai "tallafin ACA." (ko da yake akwai wani tallafin ACA wanda ya shafi haɗin kuɗi kuma kada ya damu da kyautar bashi).
Wanene ya cancanta?
Kamar yadda aka bayyana a sama, bashi da bashi bashi ne kawai ga mutanen da wadanda suka samu karfin kudin shiga ba su wuce kashi 400 na matakin talauci na tarayya ba, kuma akalla kashi 100 cikin talauci (139 bisa dari a jihohin da suka fadada Medicaid) .
Bugu da kari, bashi bashi ne kawai idan yana da mahimmanci don yin tsarin alamar (tsarin na azurfa mafi girma mafi girma a yankinka) mai araha bisa ga jagororin ACA.
Yanayin talauci na tarayya ya canza kowace shekara, kuma yana dogara ne akan girman iyalinka.
Kuna iya duba samfurin FPL a nan, kuma wannan sashi ya haɗa da kashi-kashi na kashi na talauci wanda ke da amfani ga ƙayyade bashi na bashi na haraji.
An yi amfani da siffofin FPL na baya a baya don ƙayyade cancanta don bashi bashi. Alal misali, duk wanda ke yin amfani da 2018 zai yi amfani da lambobin FPL 2017. Wannan gaskiya ne ba tare da la'akari da ko sun shiga cikin Nuwamba 2017 ko suna shiga cikin watan Yulin 2018 ba saboda sakamakon da ya cancanta
Amfani da matakan FPL 2017:
- Kuna iya cancanta don tallafin inshora na asibiti a matsayin mutum tare da samun kudin shiga na $ 12,060- $ 48,240 (ƙofar da ke ƙasa da $ 16,643 idan kun kasance a cikin jihar da ya fadada Medicaid).
- Ma'aurata sun cancanci samun kudin shiga na $ 16,240- $ 64,960 (ƙofar da ke ƙasa mafi girma ita ce $ 22,412 idan kana cikin jihar da ta fadada Medicaid).
- Iyalan mutane uku da suka sami $ 20,420- $ 81,680 suna cancanta (ƙofar da ke ƙasa da ita ita ce $ 28,180 idan kana cikin jihar da ta fadada Medicaid).
Domin gane yadda yawan kuɗin kuɗin bashi zai kasance, dole ne ku sani:
- Kyautarka da aka sa ran kudin inshora na inshorarka (yana dogara da samun kudin ku, kuma an bayyana shi a nan)
- Kudin kuɗin kiwon lafiyar ku
Shirin ku na benci shi ne tsarin kiwon lafiyar azurfa da na biyu mafi kyawun watanni a yankinku. Kuɗi na inshora na lafiyarku zai iya gaya muku abin da shirin wannan shi ne kuma koda halin kaka.
Kyaftin kuɗin kuɗin kuɗin (bashi kyautar bashi) shine bambancin tsakanin taimako da aka sa ran ku da kuma farashin shirin kujallar a yankinku. Kuna iya karanta ƙarin game da Biyan Kuɗi na Farko a nan .
> Sources:
> Healthcare.gov. Karanta Dokar Kulawa ta Kwaskwarima (Rubutun Ma'anar Dokar Kulawa da Kulawa da Kasuwanci).
> Cibiyar Taimako ta UC Berkeley, An gyara Sauya Ƙarin Gida A karkashin Dokar Kulawa mai Kulawa . Yuli 2014.
> Ma'aikatar Kiwon Lafiya da Ayyuka na Amurka, Ofishin Mataimakin Sakataren Harkokin Kasuwanci da Bincike. Dokokin Tarayya na Tarayyar Tarayya da aka Yi amfani da su don ƙayyade ƙimar kuɗi don wasu shirye-shirye na tarayya. Janairu 26, 2017.