Biyan bashin kuɗi shine yawancin kudin shiga, amma zai iya samun rikitarwa
Kyautattun harajin kuɗi-waɗanda aka fi sani da tallafin tallafi - suna da mahimmanci na ɓangare na "mai araha" na Dokar Kulawa mai Kulawa. Ga mafi yawancin, suna samuwa ga ƙananan gidaje masu karɓar kudi da suka sayi inshora na asibiti, kuma suna tabbatar da cewa kuɗin da ake ciki suna cikin iyakar abin da ake ɗauka.
Amma a hakikanin gaskiya, hakan ya fi rikitarwa.
Kuna iya amfani da ƙididdiga na tallafin kuɗi na general ko ƙa'idar mai kwakwalwa a kan Healthcare.gov ko shafin yanar gizonku na jihar, amma akwai wasu tambayoyi game da wanda ya cancanci kuma wanda ba haka ba, da kuma yadda masu biyan kuɗi suka samo sakamakon su.
Hakki ba tare da kudin shiga ba
Kodayake karbar kuɗi shine ainihin mahimmanci wajen tabbatar da cancanta, akwai wasu dalilai da aka dauka a la'akari. Dole ne ku kasance a cikin doka a Amurka don sayen ɗaukar hoto ta hanyar musayar talla ko a'a.
Kuma don samun cancanta don tallafin ku, baza ku iya samun dama ga tsarin kiwon lafiyar mai aiki ba wanda ke ba da kuɗin kuɗi kuma an dauki shi mai araha. A shekara ta 2016, "mai araha" an bayyana shi matsayin ɗaukar hoto wanda ba ya kudin fiye da kashi 9.66 na kudin shiga na gida (wannan zai kara ƙaruwa, zuwa kashi 9.69, a 2017).
Amma yana da mahimmanci a fahimci cewa wannan gwajin iyawa kawai ya shafi dan takarar.
Idan ana samun haɗin iyali ta hanyar shirin da aka tallafa wa ma'aikata, ba a la'akari da kyautar da ake biyan kuɗi ga dukan iyalin ba idan aka ƙayyade ko shirin mai ba da tallafin mai aiki ba shi da araha.
To, idan nauyin mai aiki ya ragu da kashi 9.66 na samun kudin shiga, kuma idan aikin mai aiki yana samuwa ga sauran iyalin, dukan iyalin ana zaton sun sami damar samun inshora na inshora na "mai araha" (saboda haka babu wani daga cikinsu sun cancanci tallafin su a musayar), duk da cewa yawancin kuɗin iyali na iya zama fiye da kashi 9.66 na samun kudin shiga.
Ƙarƙashin Ƙananan Bayanan tallafin da Gwamnati ke yi
Lokacin da aka rubuta ACA, shirin ya kasance na cancantar Medicaid a kowane jihohi da ya karu zuwa kashi 138 na matakan talauci wanda ya fara a shekara ta 2014, kuma don tallafin kuɗi don farawa a wannan kofa kuma ya kai kimanin kashi 400 na matakin talauci. Ainihin, kowa da kowa tare da albashi daga nau'i zuwa kashi 400 na matakin talauci zai sami damar samun lafiyar lafiya.
Amma lokacin da kotu ta yanke hukunci a shekara ta 2012 cewa jihohi na iya fita daga fadar Medicaid, hakan ya haifar da matsaloli. Babu wani arziki a ACA don mika tallafin da ke ƙasa da kashi 100 cikin talaucin talauci, kuma wannan shi ne har yanzu (ba zato ba tsammani, ya zama maƙasudin zartarwa wanda ya yarda da ƙananan ƙofofin don samun tallafi don zama kashi 100 na talauci-maimakon 138% na talauci-a jihohi da cewa ba kyakkyawar fadada Medicaid ba).
Tun daga watan Yulin 2016, akwai jihohin 19 da ba a samu sakamako ba. An karu da ƙãra a Louisiana a watan Yuni 2016, amma in ba haka ba, taswirar fadada fadada yana kallo kamar yadda ya yi a karshen 2015.
Wisconsin yana bayar da maganin Medaid ga kowa da kowa tare da kudaden shiga har zuwa kashi 100 na talauci, amma a cikin wasu jihohin 18, akwai raguwa ga masu girma tare da kudaden da ke ƙasa da talauci-kawai sun cancanci Medicaid idan sun cancanci bisa ga halin da suke ciki , cikakke sosai, jagororin, kuma ba su cancanci tallafin kuɗi ba idan yawan kudin da iyalinsu ya kasance a kasa da talauci.
A jihohi inda aka bazuwar Medicaid, cancantar tallafin kuɗin farawa a matakin talauci. A 2016, wannan shi ne $ 11,880 ga mutum guda da $ 24,300 ga iyali na hudu. Mutane da ke ƙasa wannan matakin samun kudin shiga ba su da damar yin amfani da hankali a kowane lokaci.
A jihohin da aka ƙaddamar da Medicaid, adadin tallafin kuɗi na farko zai fara tare da kudaden sama fiye da kashi 138 na matakin talauci. A shekara ta 2016, wannan shi ne $ 16,394 ga mutum guda da $ 33,534 ga iyali na hudu. Mutane da kudaden da ke ƙasa da wannan matakin sun cancanci Medicaid.
Wadanne Sharuɗɗa na Talauci na Ɗaya Shin Kayi Amfani?
Wani bangare na lissafi wanda zai iya rikicewa shine kayyade abin da za'a yi amfani da jagororin matakin talauci na shekara.
A kowace shekara, gwamnatin tarayya ta sauya jagororin matakin talauci a ƙarshen Janairu. Yana da mahimmanci a lura cewa akwai Tables daban-daban: daya don DC da kuma jihohi 48, wasu na Alaska, da kuma na uku ga Hawaii (saboda haka tallafin kuɗi a Hawaii da Alaska sun karu zuwa ga mafi yawan kuɗi fiye da yadda yake a sauran ƙasashe , kuma cancantar Medicaid ya kara zuwa matsayi mafi girma a cikin jihohi, yayin da duka biyu sun fadada Medicaid).
Da zarar sabon jagorancin jagorancin talauci ya fito, ana amfani da su don sauran shekara-har sai bayanan shekara ta sake fitowa - don sanin likitan Medicaid da CHIP.
Amma don cancantar tallafin kuɗi, ba mu fara amfani da sabon matakan matakin talauci har sai an bude rajista a cikin fall. Maimakon haka, muna ci gaba da yin amfani da jagorancin matakai na talauci waɗanda ke faruwa a lokacin da aka bude rajista don wannan shekara ta fara. Alal misali, shirye-shiryen tare da kwanakin 2016 sun sami damar saya lokacin da aka bude rajista a ranar 1 ga Nuwamba, 2015. A wannan lokacin, jagorancin matakan talauci na yanzu sun kasance na shekara ta 2015. Saboda haka suna ci gaba da amfani dasu don ƙayyade adadin tallafi ga duk shirye-shirye da 2016 tasiri.
Wannan yana nufin idan kun shiga cikin shirin tare da kwanan wata 2016 a sakamakon sakamakon cancantar ku, cancantar tallafinku zai dogara ne akan yadda kuɗin kuɗi ya kwatanta da tsarin talauci na 2015 (watau, tallafin ba za a samu ba. iyali na uku idan yawan kudin da suka samu ya zarce $ 80,360, wanda shine kashi 400 na talauci na shekarar 2015).
Da zarar an bude rajista a farkon shekara ta 2016 don shirye-shirye a 2017 , musayar za ta sauya zuwa jagororin talauci na 2016 da aka saki a cikin watan Janairun 2016. Amma a watan Nuwambar, za a sami shiga cikin rajista a watan Disamba na shekara ta 2016. waɗanda suke shiga cikin ladabi saboda abin da ya cancanta. A gare su, lambobin talauci na shekarar 2015 za su ci gaba.
Ƙididdigar Ƙididdigar Ƙididdiga ta dogara akan yadda yawancin kuɗin kuɗin ku
Kyautattun tallafin kuɗi sun samo asali ne ga wadanda suka sami kudaden shiga har zuwa kashi 400 cikin talaucin talauci. Amma wannan ba ya nufin dukkanin haɓaka da kudaden shiga har zuwa wannan ƙofar da za ta cancanci samun tallafin kuɗi.
Hakanan ne saboda an tsara tallafin kuɗi domin ku ci gaba da ƙimar kuɗin da aka samu a cikin ƙananan kuɗin da aka ƙayyade a cikin ƙananan kuɗi. na matakin talauci.
Amma idan bashin kuɗin da aka ba ku na mafi girma mafi ƙarancin kuɗin da aka samo muku a yanzu bai riga ya wuce wannan adadin kuɗin ku ba, babu tallafin da ake bukata. Wannan labari zai iya faruwa ne a yayin da mutane ke zaune a yankunan da ke da asibiti na kiwon lafiya mai ƙananan kudi, da kuma ƙaramin ƙira. Don haka ba abin mamaki ba ne ga matasa su gano cewa basu cancanci samun tallafin kuɗi ba, har ma da sakamakon da aka samu a cikin kashi 400 cikin dari na talauci.
Duk Biyan Kuɗi Dole a Yi Magana Lokacin da Kayi Kayan Komawar Kushin ku
Ana ba da tallafin tallafin kuɗi a matsayin kyauta mai daraja na gaba (APTC). Wancan ne saboda tallafin ne ainihin bashin haraji, kuma idan ana biya wa mai biyan kuɗin lafiya kowace wata don rage yawan kuɗin da ku biya a kuɗin kuɗi, an biya shi a gaba, maimakon lokacin ajiya.
Ba za a iya yin la'akari da kuɗin kuɗin haraji ba har sai kun shigar da haraji bayan ƙarshen shekara, amma wannan ba zai yi kyau ba a wannan yanayin tun lokacin da mutane da yawa za su sami biyan kuɗin kuɗin su na yau da kullum ba tare da APTC ba.
Idan an biya APTC a madadinku a wannan shekara, ku-da IRS-zasu karbi Form 1095-A daga musayar a Janairu. Za ku yi amfani da bayani a kan wannan hanyar don sulhu da APTC tare da bashi na bashi na kuɗin da aka zaba ku, da zarar an kammala kuɗin kuɗi na shekara.
Sources:
Ma'aikatar Lafiya da Ayyukan 'Yan Adam, Ofishin Mataimakin Sakataren Harkokin Gudanarwa da Bincike, Yarjejeniyar Talauci a ranar 1/25/2016.
Sabis na Kuɗi na cikin gida, Hanyar Samun Kuɗi 2014-62 .
Sabis na Kuɗi na cikin gida, Hanyar Samun Kuɗi 2016-24 .