Table of Contents
Gadziriro dzezvoutano mabasa anokosha anopiwa nehurumende namasangano kuvimbisa vagari vemo kuva nenzira yokuwana nayo mishonga. Kunzwisisa izvi zvirongwa kunobetsera vanhu kuita zvisarudzo vanoziva pamusoro poutano hwavo nebetsero. Nokutarisira utano kunoramba kuchikwira uye kuronga mitemo inoita kuti pave nerumano, kuramba vachiziva pamusoro pezvisarudzo zviripo hakuna kutongova kunokosha zvikuru kumhuri dzeAmerica.
Kana uri kutsvaka kufukidzwa nokuda kwako umene, vana vako, kana kuti mitezo yemhuri yakwegura, kufamba mumugariro wakaoma wepurogiramu dzezvoutano kunogona kunzwika kuva kunokatyamadza. Iyi nhungamiro yakakwana ichakufambisa muchinhu chiri chose chaunoda kuziva pamusoro pepurogiramu huru dzezvoutano dzinowanika kuvagari ve U.S., kubatanidza zvinodikanwa zvinodzoreka, betsero, miitiro yokushandisa, uye gadziriro dzokuwedzera kufukidzwa kwako.
Kunzwisisa Chirongwa Chokurapa
Gadziriro yezvoutano yeUnited States inobatanidza mhatsa yepurogiramu dzakagadzirirwa kubatira zviverengero zvakasiyana- siyana. Idzi purogiramu dzinovambira panhano dzakarongwa neinishuwarenzi dzehurumende kusvikira kuzvimwe zvisarudzo zvomunhu oga, imwe neimwe ine mipimo yakananga nebetsero. VaAmerica vanopfuura mamirioni 147,4 vakanyoreswa muMedicare, Medicaid kana kuti CHAIP seyaJuly 2024, inoratidzira basa guru iro mapurogiramu anoita mukugovera kuwanwa kwoutano munyika yose.
Gadziriro dzezvoutano dzinogona kuiswa muzvikamu zvakafara mumarudzi anoverengeka: mapurogiramu akasanorongwa ehurumende akadai seMedicare, Medicaid, uye CHIP; gadziriro dzemisika dzinopiwa kupfurikidza neAfford Care Act; kutsinhana kwomushandirwi anobhadharwa; uye gadziriro dzechienzi nokuda kwavarwi navamwe vanhu vakati. Purogiramu imwe neimwe inobatira donzo rakasiana mukati menzvimbo yezveutano, uye kunzwisisa kuti inoshanda sei pamwe chete kunokosha nokuda kwezvisarudzo zvekuziva.
Gadziriro Dzoutano Dzakaumbwa neHurumende
Zvirongwa zvokutarisira utano zvakarongeka zvehurumende ndizvo zvinoumba mavambo okutarisirwa kweutano kwemamiriyoni evanhu vokuAmerica. Zvirongwa izvi zvakagadzirirwa kupa vanhu zvokurapa kuti vakwanise kurapa vagari vemo vachibva pazvinhu zvakasiyana - siyana zvakadai semari, zera, urema, uye basa rehondo. Kunzwisisa kusiyana kwepurogiramu idzi kunokosha kuti uzive kuti ndedzipi zvaungaita.
Medicaid: Kutarisira Utano Hwomunhu Mumwe Nomumwe
Midicaid ipurogiramu yehurumende inobatira pamwe inopa dziviriro yezvoutano kuvanhu vanotambira mari shoma, vakweguru, uye vanhu vakaremara. Purogiramu inomirira chimwe chezvisakiso zvikuru zvenhau dzoutano muUnited States, ichibatira setapu yekotsekano yakakomba nokuda kwavagari vemo vane njodzi.
Nepo mitemo yehurumende ichigadza gadziriro yose, hurumende imwe neimwe inosarudza mari yayo imene nemipimo yokushanda zvakanaka kwezvokurapa. Uku kuchinjika kwenzvimbo kunoreva kuti kuchinjika kwehurumende kunogona kusiana zvikuru zvichitsamira pakwaunogara. Mumagariro okuwedzera, vakuru vanokwanirisa kana mari iri pasi pe 138% yeFederal Poverty Lequence (FPL), iyo yakakudza kufukidzwa kumamirioni avaAmerica vasati vambotenderwa.
Muna 2026, ganhuriro dzemari dzakagadziridzwa kuratidzira mutengo wechinjo dzinorarama. Maruwa akawanda akawedzera miganhu yawo yemari inotambirwa yeMedicaid ya2026, achikwidziridza chitsama chapanguva refu chezvinenge zviri pa $2,901 kusvikira ku $2,982 nokuda kwevakwidzani vamwe. Zvisinei, kunokosha kucherekedza kuti kuva anokwanisa kuchinjika kunosiyana nehurumende norudzi rwepurogiramu, nedzimwe nyika dzichishandisa mitemo inoshairwa kana kuti inopedzesa mari inopfuura muganhu woganhuro.
Midhisikidhi inopa vanhu mari shoma uye inopa betsero dzezvokurapa pachena kana kuti dzisina mari yakawanda kuti vakwanirise vanhu. Purogiramu yacho ine chokuita nemabasa akawanda anosanganisira kushanyira vanachiremba, kurapa kwepachipatara, mishonga inorapirwa nechiremba, kudzivirira, mishonga yeutano hwepfungwa, uye kutarisira kwenguva refu vaya vanokodzera.
Medicare: Inishuwarenzi Youtano Yevanhu Vakwegura Nevamwe Vanhu Vakaremara
Medicare ipurogiramu yeinishuwarenzi youtano yomubatanidzwa inobatira zvikurukuru vaAmerica vane makore 65 navanopfuura, kunyange zvazvo ichifukidzawo vanhu vaduku vakati vane urema uye avo vane End-Stage Renal Disease (ESRD) kana kuti Amyotrophic Lateral Sclerosis (ALS). Kusafanana naMedicaid, Medicare haisati yakavakirwa pamari inowanwa asi panzvimbo pezera nemigariro chaiyo youtano.
Medicare ine zvikamu zvinoverengeka, chimwe nechimwe chinofukidza mativi akasiyana ezvoutano. Parti A fakisheni yeinishuwarenzi yechipatara, kubatanidza kugara muchipatara, chipatara chenyanzvi dzokurapa, kutarisirwa kwevanorwara, uye kutarisirwa kwoutano kwapamusha. Parti B inofukidza inishuwarenzi yezvokurapa, kubatanidza varwere, mabasa okudzivirira, uye zvokurapa. Parati C, inozivikanwawo seMedicarecure formation, inopa imwe nzira yokugamuchira nayo betsero dzeMedicaresare kupfurikidza namakambani einishuwarenzi. Chikamu D chinogovera kubhadharo kwemirimo yemirimo.
Vanhu vazhinjisa havabhadhari mari yeParty A kana ivo kana kuti mukwanyina wavo vakabhadhara mitero yeMedicasari pavanenge vachishanda. Zvisinei, Dare B rinoda mari inobhadharwa mwedzi nomwedzi, uye mari yacho inogona kusiana pahwakavakirwa pamari inotambiswa. Kunzwisisa kuti Medicares inotsinhirana sei nemimwe inishuwarenzi kunokosha, zvikurukuru kuavo vanopfuurira kushanda makore anopfuura 65 kana kuti vane betsero dzoutano dzinorega basa.
Chirongwa cheInishuwarenzi yoUtano Chavana (CHIP)
Chirongwa cheChildren’s Health Inshuwarenzi Program (CHIP) chirongwa chehurumende chinoshanda pamwe chete chinogovera purofiti youtano kuvana vasina kuiswa mari mumhuri dzine mari yakakwirira zvikuru zvokusagona kukwaniriswa nokuda kweMedicaid, asi yakaderera zvikuru zvokusagona kupfuudza gadziriro dzoutano dzapachivande kana kuti dzeboka. Purogiramu iyi inozadza mukaha wakakomba nokuda kwemhuri dzinoshanda dzinowana mari yakanyanyosakwanirisa nokuda kweMedicaid asi dzinorwisa kubhadhara inishuwarenzi yomunhu oga.
Mwero yemadhisikidhi neCIP Eligial inosiana nehurumende uye inogona kusiana kubva pa 170% kusvika ku 400% yemwero weurombo hweFederal (FPL). CHIP inowanzova yemhuri dzine mari iri pakati pe 200% na 300% yeFederal Poverty Lequence (FPL), kunyange zvazvo zvitsauko chaizvoizvo zvichitsamira pamagadzirirwo epurogiramu yehurumende yako.
Chirongwa cheChildren’s Health Inshuwarenzi (CHIP) chinogovera betsero dzoutano dzakazara kuvana, uye nemhaka yokuti masangano angagadzira purogiramu yawo amene yeCHIP munhungamiro dzehurumende, betsero dzinosiyana nerudzi rwehurumende neCHIP. Pasinei zvapo neiyi mhatsa, mapurogiramu ose eCHIP anofanira kubatanidza mibato inokosha.
ZVICHAITA kuti zvive nyore kudzivirira vana zvakadai semajekiseni uye kuongorora, uye vanofanirawo kufukidza kutarisirwa kwemazino, kutarisirwa kwemaziso, kurapwa nevarwere vechipatara, mishonga, basa reredhiyo uye zvakawanda. Kubhadharwa uku kunovimbisa kuti vana vawane tarisiro yavanoda kuti vakure uye vakure zvakanaka.
Chinoitika chinokosha chemisi ichangobva kupfuura iyi ndechokuti seyaJan 1, 2024, mwedzi 12 yokufukidza kunopfuurira kweCHIP naMedicaid nokuda kwavana vane makore 19 okukura -- pane imwe betsero yokusarudza nokuda kwehurumende -- yakava inosungirwa. Iyi gadziriro inopfuurira inobetsera kuvimbisa vana kuti vachengete kukwanisa kupfuurira kurapwa pasina miparakatira ingagona kuparira kupotsa tarisiro yokudzivirira kana kuti kunonoka kurapa.
Vatarisiri Venhau Dzoutano
Gadziriro yokurapa yeVeterans Affairs (VA) inogovera betsero huru dzezvokurapa kunyanzvi dzakashanda muhondo yeUnited States.
Varasitiri vezvoutano vakavakirwa pazvinhu zvinoverengeka kubatanidza nhau yebasa rehondo, mugariro wokurega basa, urema hwebasa hunobatanidzwa, mwero wemari inotambirwa, uye mamwe mamiriro ezvinhu chaiwo. Vavaneti vane urema hunobatanidzwa vanowanzowana nzvimbo yokutanga uye vangawana betsero dzakawedzerwa. VaVa inopa mhatsa yakafara yemabasa kubatanidza kutarisira kwokutanga, tarisiro chaiyo, mabasa outano hwendangariro, mishonga inonyorwa nachiremba, uye zvirongwa zvokutarisira kwenguva refu.
Chimwe chinhu chakasiyana nezvimwe pakutarisira utano hweVA ndechokuti inoshandisa nzvimbo dzayo nezvinoriritira, kunyange zvazvo vagara nebasa racho vangatarisirwawo nevanotarisira nzanga mumamiriro ezvinhu akati.Vane ruzivo rwokupinda chikoro vanofanira kunzwisisa kuti chii chainyanya kukosha kwavari, sezvo izvi zvichisarudza kuti vakwanise kuwana mabasa uye kubhadhara chero zvavangada.
Muitiro Wokutarisira Unodhura Negadziriro Dzomusika
Act yeAffordble Care (ACA), inozivikanwawo seObamacare, yakagadzira misika yeinishuwarenzi youtano umo vanhu nemhuri vanogona kutenga kuti vapedze uye vangangowana rubatsiro rwemari kuti inishuwarenzi ishande zvakanaka. Kunzwisisa kuti zvirongwa zvemusika zvinoda mariii nezviripo zvinokosha kune vaya vasingakodzeri mapurogiramu ehurumende akadai seMedicaid kana kuti Medicare.
Zvikwereti Zvemusika Nezvikwereti Zvemitero
Kana uri kutenga inishuwarenzi youtano muMusika/kuchinja, ungava wakakodzera nokuda kwemari inotsigirwa nemari inotsamira pamari ingafukidza chikamu chinokosha chemari yako inobhadharwa mwedzi nomwedzi. Iyi mipiro, inonzi mari yemitero inobhadharwa pamutemo, yakagadzirirwa kuita kuti inishuwarenzi youtano ibvire vaAmerica vanowanwa pakati nakaderera.
Zvisinei, kwave kune chinjo huru kukuderera kwemari muna 2026. "mawere emvura" adzoka muna 2026, kureva mari yehurumende haisati ichawanikazve kumunhu upi noupi ane mari yemba inopfuura 400% yomwero wourombo hwehurumende 2025. Iyi inomirira chinja guru kubva mumari inogoverwa yaiwanika kubva muna 2021 kusvikira muna 2025.
Kana mari yaunowana pagore iri pasi pe $62 600 nokuda kwomunhu mumwe nomumwe, $8 600 nokuda kwemhuri ine vanhu vaviri, kana kuti $128 600 nokuda kwemhuri ine vana, ungave uchiri akakodzera kugamuchira chikwereti chemitero chinobetsera mukubhadhara chinyorwa chako gore rinouya.
Kuchinja kunovambira pa 100% yeFPL kusvikira ku 400% ye FPL, uye nokuda kwavanyoresi vasingaverengeki, chitsama chakaderera chakavakirwa pamubereko wavo wakagadziridzwa wakananga (MAGI) uye mutengo wegadziriro yebheji ramaro – silver-pechoselve yechipiri inowanika muMusika. Ikoku kunoreva chitsama chako chaichoiwo chichatsamira pazvose zviri zviviri mari yako yaunowana nendyiko yerongedzero munharaunda yako.
Mishonga Inotengwa Nemishonga
Kupfuura zvikwereti zvemitero zvinobhadharwa, vanhu vakakodzera vangakwaniriswawo nokuda kwetsauriro dzinodhura (CSR) dzinoderedza ndyiko dzepapuko sedzisingabhadharwi, mari inobhadharwa, uye mari inobhadharwa. Kutsamira pamari yako, iwe nemhuri yako mungava makakodzera nokuda kwemari inochengetwa yomuraudzo inonzi "kuderedza mari inobhadharwa" negadziriro yesirivha, ichaderedza mari yako inobhadharwa uye mari inobhadharwa.
Purogiramu dzemisika dzinoiswa mumitsetse yesimbi yakaita semabutiro esimbi neSilver, Gold, uye Platinum . Zvakavakirwa pakuti mutengo unoshandiswa sei pakati pako nekambani yeinishuwarenzi. Rongedzero dzeBronze kazhinji kazhinji dzine mari yakaderera zvikurusa yomwedzi nomwedzi asi yakakwirira zvikurusa kupfuura yepapu yezvinenge zvichidiwa kutarisirwa, nepo mapurani ePlatinum ane mutengo wakakwirira zvikuru asi wakaderera zvikuru. Zvirongwa zvesirivha zvinowanzova chisarudzo chakanakisisa nokuda kweinodiwa pakuderedza mutengo, sezvo idzi betsero dzinowedzerwa dzichiwanika bedzi neSilver-havi.
Zvirongwa zvechikato zvinowanikawo nokuda kwavanhu vakati. Kuvambira muna 2026, kusunungurwa kwenhamo kuchawedzera kuvadziko yegadziriro yeCatastophic kumunhu upi noupi asingakwanirirwi nokuda kwemari inochengetwa pakufukidza Musika nemhaka yemari yavo, kana zvirongwa izvi zvichipiwa munharaunda yenyu. Zvirongwa izvi zvinowanzova netsananguro dzakaderera zvikuru asi dzakakwirira, zvichivaita vakakodzera zvikurukuru avo vanoda dziviriro mumiitiro yakaipisisa.
Kunyoresa Kwenguva Dzakafa
Kunzwisisa nguva dzokunyoresa kunokosha kuti munhu awane nguva yokunyoresa pamusika.Muzvinawanwa zvakawanda, January 15 ndiyo nguva yokupedzisira yokunyoresa mugadziriro yeACA mumisika ya2026, kunyange zvazvo dzimwe nyika dzakaita nguva yakadzikwa.
Kupotsa musi wavose wekunyoresa hakurevi hako kuti hausati wava kutongosarudza. Nguva Chaidzo dzekunyoresa (SEP) dzinokubvumira kunyoresa kunze kwehwindo rokunyoresa kwenguva dzose kana ukava nezvinoitika zvakati zvoupenyu, zvakadai sokurasikirwa nezvimwe zvinoitika zvoutano, kuroorwa kana kuti kurambana, kuva nomwana kana kuti kurera mwana, kana kuti kuenda kunzvimbo itsva inobhadharwa. Une mazuva 60 kubva pachinoitika chinokwaniriswa kunyoresa.
Kunokosha kucherekedza kuti unogona kunyorera Medicaid na CHAIP nguva ipi neipi yegore, sezvo purogiramu idzi dzisina nhambo dzekunyoresa dzakaganhurirwa. Kana ukashandisa nomumusika uye unoratidzika kuva wakakodzera nokuda kwaMedicaid kana kuti CHPIP, kumbiriso yako ichatumirwa kusangano rehurumende yako nokuda kwokugadzirwa.
Kuchengetedzwa Kwoutano Nezvisarudzo Zvemitero
Health Savings Akhawunties (HSS) inopa nzira ine simba yokuchengeta nayo mari nokuda kwendyiko dzezvokurapa apo unenge uchifarikanya betsero dzemitero dzinokosha. Kunzwisisa kuti HS sa anoshanda sei uye kana uchikwanisa kunogona kukubetsera kuwedzera ungwariro hwako hwoutano uye kuronga zvinodikanwa zvekurapa munguva yemberi.
Kucherekedzwa Kwakawedzerwa kweHSA
Somuuyo weWorking Families Trump Scops Trump mutemo wakasainwa noMutungamiriri wePendesi Trump, zvirongwa 2026 zveMisika — kubatanidza zvirongwa zvose zvoutano zveBronze neCatastrophic — zvino shanda neMaakaundi yeHealth Saving kukubatsira kuripa migove yako yezvitsama zvetarisiro youtano. Uku kuwedzera kukuru kunowedzera nhamba yavanhu vanogona kubetserwa nebetsero dzemutero weHSA.
Muna 2026, gadziriro dzoutano dzinogadzirwa zvikuru (HDHPs) dzinorondedzerwa segadziriro dzeinishuwarenzi youtano dzinofanira kuva neinenge $1,700 inoshanda nokuda kwokubhadharwa kwomunhu mumwe kana kuti $3 400 nokuda kwokufukidza mhuri. Kuwedzera, kuwanda kwegore negore kwemapuko hakugoni kupfuura ganhuriro dzakati, kuvimbisa kuti HDHP inogovera dziviriro ine ngwavaira nepo ichichengeta chivako chinobhadharwa chakakwirira chinogoneka chinoita kuti HS ive inobvira.
Kutanga Jan. 1, 2026, mumwe munhu akakodzera akanyorwa mutarisiro huru yakati yakananga (DPC) angagovera kuHSA, uye vangashandisa HSA yavo yemari kubhadhara mari yemitero isina mutengo yeDPC yeNguva neNguva. Ichi chinjo inoziva kukurumbira kuri kuwedzera kwemienzaniso yetarisiro yakananga uye inokudza kusvika kubetsero dzeHSA nokuda kwaavo vanosarudza uyu mutoo wokutarisira.
Kubatsira kweHSA uye Kubatsira Kunoita Vamwe
Kuchengetedzwa kwezveutano kunogovera betsero dzakawanda dzemitero: unogona kubvisa mipiro kubva pamutero wako unobhadharwa, zvausingapedzi muakaundi uye mapepa anoramba ari muakaundi gore negore, uye mubereko upi noupi unowanwa haubhadharwi. iyi betsero yemitero mitatu inoita kuti HS ive imwe yemotokari dzemari yavezichengetedzo huru zvikurusa dzinowanika nokuda kwendyiko dzoutano.
HS sezvinopa kuchinjika uko dzimwe mari dzinochengetwa nevezvoutano dzisingapiwi. Kusafanana nedzimwe mari dzekurega basa, haudikanirwi kubvisa mari pazera rakati, kuchiiita chishandiso chikuru chokufukidza kwete bedzi ndyiko dzezvokurapa, asiwo semotokari yokuwedzera yakachengetwa nokuda kwokurega basa. Ikoku kunoreva kuti unogona kurega HSA yako ichikura mumakore ose okushanda uye kuishandisa kubhadhara ndyiko dzeutano mukurega basa apo ndyiko dzezvokuraparapa dzinowedzera.
Unogona kushandisa mari yeHSA nokuda kwendyiko dzakawanda dzezvokurapa dzakakwaniriswa, kubatanidza mari inobhadharwa, mari inobhadharwa, mishonga inonyorwa nachiremba, mishonga yokurapa meno, tarisiro yokuona, uye mamwe mabasa okurapa akawanda. Mari haingashandiswi kubhadhara mari dzinobhadharwa, kunze kwemhatsa dzakati dzokubhadharwa dzakadai seCOBRA, Medicare, uye nguva refu yokutarisira.
Nzira imwe yakanaka ndeyokubhadhara ndyiko dzezvokurapa dzazvino uno kunze kwedzinobhuroka kana uchigona kuita kudaro, kuchibvumira HSA yako kuva nechiyero chakasununguka kupfurikidza nokuisa mari mutero. Unogona kuzviripira umene nokuda kweidzi ndyiko makore gare gare, chero bedzi uchichengeta mapepa akafanira uye ndyiko dzakaitika pashure pokunge watanga HSA yako. Iyi nzira inowedzera bviro refu yenguva refu yebasa rako.
Nzira Yokuwana Nayo Gadziriro Dzoutano
Kuwana gadziriro dzezvoutano kunoda kunzwisisa mutoo wekushandisa, kuunganidza mapepa ari madikanwa, uye kuziva kwokutendeukira nokuda kwebetsero. Muitiro unosiyana zvichitsamira pakuti ipurogiramu ipi yauri kubatira, asi kune zvinhu zvinowanika kuti zvikubatsire.
Mitoo yeProgramu uye Musimboti Unodikanwa
Kupinda mapurogiramu ezvoutano, vagari vemo vanofanira kushandisa zvikurukuru kupfurikidza nezviteshi zvehurumende.Izvi zvingabatanidza kugovera chibvumikiso chokuva akasununguka, mapepa emari inotambirwa, kana kuti zvinyorwa zvebasa rehondo.
Tsvaka nhoroondo neHeal Health Inishuwarenzi Musika wozadza kumbiriso, uye kana ichiita somunhu upi noupi mumhuri yako anokwaniriswa nokuda kwaMedicaid, mashoko ako achatumirwa kusangano rehurumende yako uye achakunyorera pamusoro pokunyoresa. Iyi nzira yakadzokororwa inoreva kuti unogona kukumbira nokuda kwamapurogiramu akawanda kupfurikidza nokukumbira kumwe.
Zvinodikanwa zvakakurumbira zvinobatanidza chibvumikiso chezivikanwo (zvakadai serezenisi rokutyaira kana kuti pasipoti), nhamba dzeSocial Security nokuda kwemitezo yose yemhuri, chibvumikiso chemari inotambirwa (mutero, mitero, kana kuti zvibvumirano zvokushandira), chibvumikiso chougariso kana kuti nzvimbo yokugara yapamutemo, uye mashoko pamusoro peinishuwarenzi ipi neipi yazvino uno. Kuva nemagwaro aya akagadzirira usati watanga kumbiriso kungakurumidzisa zvikuru muitiro wacho.
Mapurogiramu akawanda anopa nzira dzakawanda dzokushandisa kuti zviwirirane nezvinodiwa zvakasiyana - siyana nemamiriro ezvinhu. Unogona kushandisa paIndaneti pachishandiswa mawebsite epamutemo, pafoni, nokutumira tsamba uchishandisa mafomu okunyorera, kana kuti pamunhu pamahofisi omunzvimbomo kana kuti zviitiko zvokunyoresa.
Kuwana Betsero nezvirongwa
Haufaniri kushandisa basa rokumbiriso woga. Rubatsiro rwapachena runowanika kupfurikidza nezviteshi zvinoverengeka. Vapi zano vanotenderwa vanorovedzwa kukubetsera kunzwisisa zvisarudzo zvako, mapeyikisi akakwana, uye kunyoresa. Ava vabetseri vanowanika munzanga munyika yose uye vanogona kugovera betsero yomunhu oga pasina mutengo kwauri.
Vamiririri veinishuwarenzi nevatengesi vane matarenda okutengesa zvirongwa zvemusika vanogonawo kukubatsira kuenzanisa zvaungasarudza uye kunyoresa.
Zviwanikwa zvehurumende zvinowanikawo. Nyika dzakawanda dzinoshandisa misika yadzo dzoutano nemapoka evashandi vemipiyuta vakazvipira uye rubatsiro rwokunyoresa rwomunzvimbomo. Masangano eHurumende yeMedicaid anogona kubetsera neMedicaid nezvikumbiro neCHIP uye kupindura mibvunzo pamusoro pokuva nenyanzvi, varongi veVa bookation pazvivako zvenharaunda vanogona kubetsera kunyoresa nokutsanangura betsero dzinowanika.
Masangano enzanga, kubatanidza nzvimbo dzoutano, maraibhurari, uye masangano enzanga, kazhinji kazhinji anobvumira zvinoitika zvokunyoresa ndokugovera betsero yokukumbira. aya masangano omunzvimbomo anogona kuva anobetsera zvikuru kana uchida betsero muyamuro kana kuti kuva nemibvunzo pamusoro pokuti mapurogiramu ezvoutano anoshanda sei munzanga yako chaiyo.
Kunzwisisa Kutsunga
Pashure pokupa kumbiriso yako, uchagamuchira kutsunga kwokufara uko kunotsanangura kuti ipurogiramui dzaunokwaniriswa nokuda kweyaungagamuchira nebetsero yemarii. Kana ichiita somunhu upi noupi mumhuri yenyu anokwaniriswa nokuda kwaMedicaid kana kuti CHIP, musika uchatumira mashoko ako nenzira yakachengeteka kusangano rehurumende yako uye hurumende yako ichakunyorera pamusoro pokunyoresa.
Kana ukawana kuti kwakakodzera kubhadharwa kwemari yemari, kutsunga kwako kuchadudza chitsama chechikwereti chemari yomutero chaunokwaniriswa nokuda kwemitero inoderedza mutengo. Mashoko aya anobetsera kuenzanisa mapurani ndokunzwisisa ndyiko chaidzoidzo dzemari yokubhadharisa nokuda kwezvisarudzo zvakasiana.
Kana usingabvumirani nokutsunga kwokufara, une maruramiro okukwirira. Purogiramu imwe neimwe ine miitiro yakananga yokufadza nemisi inosvika, naizvozvo kunokosha kuita chiito nokukurumidza kana udavira kuti chikanganiso chakaitwa. Kodzero dzokukwirira nemiitiro zvinofanira kutsanangurwa muchiziviso chako chokufara.
Kutarisirwa Chaiko uye Vanhu Vanogara Varipo
Vamwe vanhu vanotarisana nemamiriro ezvinhu akasiyana - siyana pavanowana zvirongwa zvokurapa. Kunzwisisa izvi zvingabatsira kuti uwane zvose zvawakakodzera uye kudzivisa misungo ingangovapo.
Vatami Vanotama uye Kurapwa
Mugariro wokutama unotapura kuva nomugariro wokuenda kunzvimbo yazvo youtano nenzira dzakaoma. Vagari vazhinji vechigarire vanobvumirwa (LPR, kana kuti "vane makadhi ebhurokusha, ” vane nhambo yamakore mashanu okumirira, kureva kuti vanofanira kumirira makore mashanu pashure pokugamuchira "kubudirira" nzvimbo yokupinda munyika vasati vagona kukwaniriswa nokuda kwebetsero dzose dzeMedicaid kana kuti kubhadharwa kwechinyakare, kana kusati kwadaro vakasvitsa zvinodikanwa zvose zvinogamuchirika munyika.
Zvisinei, pane zvimwe zvinhu zvinokosha kunhambo ino yokumirira. Vapoteri navakadzi vane mimba havafaniri kumirira makore mashanu kuti vawane betsero dzakazara dzeMedicaid. Mukuwedzera, dzimwe nyika dzakasarudza kushandisa mari yehurumende kugovera kufukidzwa kwavana navakadzi vane mimba vanogara muUnited States nenzira yapamutemo pasinei zvapo nomusi wavo wokupinda muUnited States.
Chinjo dzemitemo dzemisi ichangobva kupfuura iyi dzakaparira denho itsva nokuda kwedzimwe mhuri dzinotamira. Nemhaka yeH.R. 1, mutengo wezvoutano unopfuudzwa pakuvamba gore rino, mhuri dzevokumwe dzisati dziri kubatira dzichiita zvishoma kupfuura Federal Poverty Leader dzicharasikirwa nokuwana zvikwereti zvemitero zvinobhadharwa chose chose muna 2026: idzo dzinogona kunyoresa murongedzero dzemisika, asi hadzisati dzichizowana betsero kuhurumende yehurumende mukubhadhara mitengo. Ichi chinjo huru inotapura zvikuru nokuda kwemhuri dzinowana mari shoma.
Aichimbova Mutungamiriri Wepwere Anotarisira
Nyika dzose dzinofanira kupa vanhu vaduku vachibva kutarisiro yokurera vachienda kukukura vakazvimirira (kare vana vokurera) kubhadharwa kwemari kusvikira vava namakore 26, chero bedzi vakanga vari mugadziriro yokurera uye vakava nebetsero dzeMedicaid pakuberekwa kwavo kwechi18. Ikoku kufukidzwa kunoziva denho dzechienzi dzinotarisana nepwere dzinokwegura dzichitarisana nokutarisirwa kwokurera uye kunobetsera kuvimbisa kupfuurira kwezvokutarisirwa kwoutano mukati menhambo yechinjo yakaoma.
Iyi bharani inowanika pasinei zvapo nemari inowanwa, ichikuita kuti kuve musengwa wekotsekano unokosha nokuda kwavakura vaduku avo vangave vachizvigadza vamene uye vangasava vanokwanisa kuwana inishuwarenzi yakadzorwa yavashandirwi kana kuti mipiro yemari yokutenga kubhadharwa kwavo vamene.
Vakadzi Vane Mimba uye Chivako Chapashure Pemba
Vakadzi vane pamuviri vanogona kuwana zvirongwa zvakati zvokurapa zvakagadzirirwa kuva nechokwadi chokuti vanopiwa nguva yokusununguka, yokusununguka, uye yokusununguka pashure pokusununguka.
Mitezo ine chisarudzo chokugovera mwedzi 12 yokufukidzwa kwemimba yokubereka vakadzi vane pamuviri kwakatambanudzwa vakanyorwa muMedicaid neCHIP, uye kana hurumende dzichishandisa chisarudzo ichi muMedicaid, inofanira kuchigamuchirawo muCIP. iyi chinyorwa chakarebeswa chinobetsera kuva nechokwadi chokuti vanamai vatsva vanogona kuwana betsero dzinodikanwa dzokurapa mukati menhambo inotambudza yokusununguka, vachitarisira zvose zviri zviviri kunaya kwomuviri nezvinodikanwa zvoutano hwendangariro.
Vanhu Vane Urema
Vanhu vakaremara vangakwaniriswa nokuda kwepurogiramu dzezvoutano kupfurikidza nenzira dzakawanda. Medicaid inogovera vanhu vazhinji vane urema, nokusagona kuvakirwa kazhinji kazhinji pamarisiti eSmaral Security Infige (SI) kana kuti mipimo yeurema hwehurumende yesangano. Dzimwe nyika dzinopa Medicaid gadziriro dzokutenga mugadziriro dzinobvumira vanhu vanoshanda vane urema kuti vachengetedze Médicaid kunyange kana mari yavanowana ingave ichiita kuti ive isinganzwisisiki.
Medicare inofukidzawo vanhu vari pasi pemakore 65 avo vakagamuchira betsero dzeSocial Security Disability Inishuwarenzi (SSDI) kweinenge mwedzi 24, pamwe chete naavo vane ALS kana kuti ESRD pasinei zvapo nezera. Kunzwisisa kuti Medicare naMedicaid vanogona kushanda pamwe chete sei nokuda kwavanhu vaviri vanokwanisa kubetsera kupfuudza nokuderedza ndyiko dzechibharo.
Kuderedza Betsero Dzako Dzoutano
Kunzwisisa zvirongwa zvokurapa zvinowanika inhano yokutanga.
Kutarisirwa Kwokudzivirira Nemashandiro Akanaka
Chimwe chezvinhu zvinokosha zvikuru zvokuchengetedzwa kwezvoutano kukwanisa kudzivirira. Zvirongwa zvakawanda zvokurapa, kusanganisira zvirongwa zvokutengesa, Medicaid, Medicare, uye CHIP, zvinofukidza mabasa akasiyana - siyana okudzivirira pasina mutengo kwauri. Mabasa aya anowanzobatanidza kushanya zvakanaka kwegore negore, kudzivirira utachiona, kuongororwa kwekenza, BP necholesterol, uye kumwe kurapa kunobva pazera rako, vatano, uye utano.
Kushandisa mabasa okudzivirira kunogona kukubatsira kuramba une utano hwakanaka, kuva nezvinetso zvingangovapo paunorapwa, uye kudzivisa utano hwakakomba zvikuru uye hunodhura mumugwagwa. Vanhu vakawanda vanoderedza tarisiro yokudzivirira, vanoshaiwa mikana yokuchengeta utano hwavo uye mamiriro ezvinhu anogona kuzivikanwa asati ava akakomba.
Kunzwisisa kuti mabasa api okudzivirira aunofanira kuita pasi pegadziriro yako chaiyo kunogona kukubatsira kuti unyatsoshandisa mari yako. Makambani einishuwarenzi akawanda anopa mashoko ane udzame pamusoro pemabasa okudzivirira, uye vatarisiri vezvoutano vanogona kukubatsira kunzwisisa kuti ndezvipi zvinoongororwa uye mabasa zvinorumbidzwa pautano hwako.
Kushandisa Manyuko Akawanda Anobva Mumavharanda
Vamwe vanhu vangava vakakodzera kana kuti vane mukana wokuwana manyuko akawanda ezvoutano. Kunzwisisa kuti marudzi akasiyana - siyana okubhadharwa anogona sei kukubetsera kuwedzera betsero ndokuderedza ndyiko. Somuenzaniso, kana uchifanirwa nokuda kwezvose zviri zviviri Medicare naMedicaid (zvinowirirana), Medicaid anogona kubetsera kufukidza mari dzinobhadharwa, dzinodzikwa, uye mabasa ayo Medicare asingafuki.
Kana une inishuwarenzi yavashandirwi inodzorwa uye uchizova anofanirwa neMedicare, uchafanira kunzwisisa kuti uku kufukidzwa kunoshanda sei pamwe chete uye apo unofanira kunyoresa mumativi akasiyana- siyana eMedica. Mitemo yokubatana inogona kuva yakaoma uye inotsamira pazvinhu zvakafanana noukuru hwewaunoshandira uye kana uchishanda nesimba.
Kunzwisisa kuti CHIP inoronga sei kukurukura nevana, kunogona kubatsira kuti vana vako vave nemabhuku akawanda, asingadhuri, mune zvimwe zviitiko, CHIP ingava isingadhuri uye ine ruzivo kupfuura kuwedzera vana kugadziriro yevashandirwi kana kuti kutengesera musika.
Kuhwirudzura Nokumutsidzirwa Kwegore Negore
Kurapwa kwako uye mamiriro ezvemari zvinogona kuchinja nokufamba kwenguva, zvichiita kuti zvive zvinokosha kuongorora kubhadharwa kwako gore negore.Pamusika, wana nguva yokuenzanisa urongwa hwako hwazvino nezvimwe zvaungaita.
Kana uriwe Medicaid kana kuti CHIP, Hurumende yako ichahwirudzura nguva nenguva kukwanisa kwako kuti uve nechokwadi chokuti uchiri kukwaniriswa. Hurumende yako ingahwirudzura mashoko ako gore rimwe nerimwe kuti isarudze kana uchifanirwa naMedicaid, uye kana vachida mashoko akawanda kwauri, vachakunyorera pamusoro pokumutsidzira. Kupindura nokukurumidza zvikumbiro zvokumutsidzira kunokosha kudzivisa zvikamu zvinobatanidzwa.
Upenyu hunochinja seroorano, chatanuro, kuberekwa kwomwana, kuchinja mari, kana kuti kutamira kunzvimbo itsva kunogona kutapura zvisarudzo zvako zvokutarisira utano nokusakwanisa.
Kunzwisisa Zvinotapurwa Nezvoutano Nokudzivirirwa Mune Zvemari
Ndyiko dzezvoutano dzinotambanukira kupfuura mari dzinobhadharwa mwedzi nomwedzi kubatanidza mari inobhadharwa, mari inobhadharwa, mari inobhadharwa, uye zvitsama zvapakarepo. Kunzwisisa izvi zvinoparira mutengo kunokubatsira kuronga mari yokushandisa nokuda kwendyiko dzezvoutano uye kusarudza kubhadharwa kunogovera dziviriro yemari yakakwana.
Kutsanangurwa Kwenhengo Dzinodhura
MaPremium imari yaunobhadhara mwedzi nomwedzi nokuda kweinishuwarenzi, pasinei zvapo nokuti unoshandisa mabasa okurapa here. Iyi ndiyo mutengo wako mukuru nokuda kwokuchengeta. Mitengo inofanira kubhadharwa pauri nokuda kwemipinduro yako yakavharwa isati yavamba kubhadharwa. Mimwe mibato, zvikurukuru tarisiro yokudzivirira, ingafukidzwa usati wagona kusvitsa mutengo wako.
Mari inobhadharwa yakagadzwa yaunobhadhara nokuda kwamabasa akati, akadai se $30 nokuda kweshanyo yachiremba kana kuti $10 yemishonga yakarovedzeka. Chitsama chemari inobhadharwa yaunobhadhara nokuda kwamabasa akavharwa pashure pokunge wapedza kubhadharwa, zvakadai se20% yendyiko yezvinogara muchipatara. Chitsama chapanze chepocket ndicho chaunobhadhara zvikurusa nokuda kwemibato yakavharwa mugore rakarongwa; pashure pokusvika ganhuriro iyi, inishuwarenzi yako inobhadhara 100% yemipinyiro yakafukidzwa.
Marudzi egadziriro akasiyana- siyana anodzikamisa izvi zvinoringanisa. Zvirongwa zvinoshanda zvakanaka zvine mari yakaderera zvikuru asi inodhura zvikuru uye isingashandiswi. Rongedzero dzinoda mari dzinowedzera mari asi dzinoda tarisiro. Kusarudza dzikamo yakarurama inotsamira pamugariro wako woutano, unotarisirwa kuti utano hunodiwa, uye mamiriro ezvemari.
Betsero Yemari Nokutarisira Ndyiko
Kupfuura zvikwereti zvemitero zvinobhadharwa nokuderedzwa kwendyiko kunowanika kupfurikidza nomusika, dzimwe betsero dzemari dzingawanika. Zvipatara zvakawanda navashandisi vezvoutano vanopa tarisiro yemari kana kuti gadziriro dzebetsero dzemari nokuda kwavarwere vasingagoni kubhadhara zvikwereti zvavo zvokurapa. Zvirongwa izvi kazhinji kazhinji zvine mipimo yakananga yokuva nebetsero yakavakirwa pamari nezvinhu.
Mirimo inodhura ingagona kuva mutoro mukuru, asi zvirongwa zvokubatsira zvinogona kubatsira. Makambani anorapa anowanzopa purogiramu dzokubatsira murwere dzinopa mishonga isina kutsarukana kana kuti isina kutsarukana kuti ibatsire vanhu. Mishonga yorudzi rwechienzi inodhura zvikuru kupfuura mishonga yezita rebhurungwe uye inoenzana nezvirwere zvakawanda.
Zvipatara zvenzanga zvinogovera tarisiro huru, kutarisirwa kwamazino, mabasa okurapa ndangariro, uye mamwe mabasa okutarisira utano pachikero chemari inotsvedzerwa chichibva pamari yazvinotapurwa. idzi nzvimbo dzoutano dzakakwaniriswa nehurumende dzinobatira setanhiko yokudzivirira inokosha nokuda kwavanhu vasina kudzivirirwa uye vasina kudzivirirwa uye vanochengetwa uye vanogamuchira Mdicaid, Medicare, uye inishuwarenzi zhinjisa yomunhu oga.
Kuzvidzivirira Pachikwereti Chekurapa
Chikwereti chezvokurapa chinoramba chiri chinhu chinonetsa zvikuru kuvagari veAmerica vakawanda. Kunzwisisa kodzero dzako uye kutora matanho kungakubatsira kudzivirira pamabhiri okurapa akawandisa. Nguva dzose simbisa kuti mari yokutarisira imota yako imota usati wawana tarisiro isina kutsarukana, sokushandiswa kwemambure okufekitera kunodhura zvikuru.
Kukumbira zvikwereti zvezvirongwa zvezvipatara zvose ndokuzviongorora nokungwarira nokuda kwezvikanganiso. Kurapa kunokanganisa uye kunogona kuguma nechikwereti chemabasa ausina kugamuchira kana kuti kudzokorora chikwereti. Kana ukagamuchira mari yaunodavira kuti yakaipa, nyorera kambani yako yezvoutano neinishuwarenzi kuti zvigadzirise nhau yacho.
Kana usingagoni kubhadhara mari yokurapwa, nyorera vedhipatimendi vanoudza mubhadhari kuti vakurukure zvirongwa zvokubhadhara kana kuti zvimwe zvokubetsera nemari. Vatarisiri vazhinji vanoda kushanda navarwere kuti vatange gadziriro dzinodzorwa. Usafuratira zvikwereti zvokurapa, sezvo ikoku kuchigona kutungamirira kukuita kuti uite zviito zvinokuvadza chikwereti chako ndokuparira funganyo yokuwedzera.
Kuchinja Kuchangobva Kuitika uye Kuchaitwa Mune Remangwana
Gadziriro yokutarisira utano inopfuurira kuchinja, nechinjo pamwero yose iri miviri yehurumende nehurumende dzinotapura kuva anokwanisa kugadzirirwa kwepurogiramu, betsero, uye ndyiko. Kugara uchiziva pamusoro peiyi chinjo kunokubetsera kuchinja gadziriro yako yokukurukura ndokushandisa mikana mitsva.
2026 Chinjo Dzinoitwa
Kupera kwechikwereti chemari yomutero yakawedzerwa kwakakanganisa kukwanisa kuwanikwa kwevakapinda mumisika vakawanda, kunyanya vaya vane mari inowanwa inopfuura 400 muzana yevarombo vomuhurumende vasingachakodzeri kubatsirwa nemari shomanana.
Kukura kweHSA kunobatanidza zvirongwa zvemusika weBronze neCatastrophic kunopa mikana mitsva yokuchengetera mari yemitero kuvanhu vakawanda. Iyi chinjo inoziva ukoshi hweHS sokushandiswa kwemari yezvoutano uye motokari dzemari dzenguva refu.
Chinjo kumari inopirwa mari nezvinodikanwa zvinodzorwa mune dzimwe nyika zvingatapura kufukidzwa kwemimwe misha yavagari vemo. Kunyange nezvikumbaridzo zvemari inotambirwa zvikuru, mitemo yemitengo yaMedicaid haina kuchinja muna 2026, uye vakwidzi vanofanira kutoderera neganhuriro dzemari dzorumano kutoti kutoti gadziriro dzinorongwa .
Kugadziridzwa Kwenzvimbo Kwehurumende
Nyika kubatanidza CA, CT, CD, MD, NJ, NM, NY, VT, uye WA dzingava nemari yokuwedzera inowanika kudzivirira vamwe vanyoresi pakukwira kwemari. Iyi mari yakavakirwa pahurumende inoratidzira kuti nyika dziri kushanda sei kuti dzichengetedze mari kunyange sezvo betsero yehurumende yachinja.
Dzimwe nyika dziri kushandisawo nzira itsva dzokuwedzera kufukidzwa nokunatsiridza kupiwa kwetarisiro. Mitedhicaid yaibvumira nyika kuongorora nzira itsva, magadzirirwo anobatsira, uye kuchinja mashandiro egadziriro yokupa. Uku kuvandudza kunogona kupa zvidzidzo zvinokosha nokuda kwegadziriro yezvoutano munyika yose uye kungaparira mikana mitsva yokupa mikana yokupa vagari vemaruwa anotora rutivi.
Kutarira Mberi
Kunyange zvazvo Congress yakabvumira kuwedzerwa kwemitemo kwechikamu chiduku kunopera pamugumo wa2025, nhau yacho ichiri kurangarirwa sokuvamba kwegore ra2026, uye kuwedzerwa kwezvoutano kwakakomba pakupedzisira kungadzorerwa nokugadziridzwa, kuguma kwavo kungagona kusiyiwa panzvimbo yacho, kana kuti Chibvumirano chinogona kubuda neimwe nzira yokupedza nayo.
Kuziva kuti mitemo iri kufambira mberi kuchakubatsira kutarisira kuchinja kungakanganisa kunenge kwaita kuti upedzisire wava kukwanisa kupedza chikoro uye kuti uzoshandisa mari yakawanda sei.
Betsero Huru Dzokunzwisisa Gadziriro Dzoutano
Kuziva nezvepurogiramu dzinoshanda dzezvoutano dzinowanika kunoita kuti vagari vemo vaite zvisarudzo zvine ruzivo zvinogona kubatsira zvikuru utano hwavo uye kuchengetedza mari.
Kuwana Mazano Okurapa Anodiwa
Kana ukawana vanachiremba vokudzivirira zvirwere, unogona kuona zvirwere zvisingaperi, kurapwa zvinoda kurapwa, uye kupiwa mishonga yekurumidziro pasina kutya kuti kurapwa kuchaita kuti uwane njodzi. Kutarisirwa uku kunokosha kuti uchengete utano uye ugadzirise nyaya dzekurapa dzisati dzakura.
Kunzwisisa kuti iinishuwarenzi ipi uye kuti imabasa api anoshandiswa kunobatsira sei kuti ukwanise kushandisa zvakanaka purogiramu yokutarisira utano uye kuti uwane rubatsiro rwaunoda.
Kuderedzwa Kwendyiko Dzemari Dzakabviswa Mumadhongi
Gadziriro dzezvoutano, zvikurukuru idzo dzine zvisarudzo zvemari kana kuti zvemari shoma, dzinoderedza zvikuru mari yaunobhadhara yemari yokurapa. Zvikwereti zvemitero zvePremium zvinogona kuderedza ndyiko dzeinishuwarenzi nemazana emadhora. Kuderedza mari inoderedza mari inosawanika, mari inobhadharwa, uye mari yemari. Medicaid neCHIP kazhinji kazhinji kazhinji zvine zvinodikanwa zvishoma kana kuti hazvitengwi, zvichiita kuti kuchengetedzwa kwoutano kuve kusingabviri kumhuri dzinowana mari shoma.
Ndyiko dzakaderedzwa idzi dzinoita kuti kuve kunobvira kutsvaka tarisiro apo inodikanwa panzvimbo pokunonoka kana kuti kudzivisa tarisiro nemhaka yeitiro hanya. Nzvero nguva dzose dzinoratidza kuti vanhu vane inishuwarenzi youtano sezvingabvira zvikuru vachagamuchira betsero dzinorumbidzwa dzokudzivirira, kuzadza mishonga, uye kutevera gadziriro dzokurapa dzinoenzaniswa naavo vasingabhadharwi.
Zvisarudzo Zvoutano Zvinozivikanwa
Kunzwisisa mitoo yako yezvoutano kunogona kukusimbisa kuita zvisarudzo zvine zivo pamusoro poutano hwako noutano. Unogona kusarudza kubatanidzwa kunowirirana nezvinodikanwa zvako zvoutano, bhajeti, uye zvinoda. Unogona kusarudza matura nenzvimbo zviri mumamburendi kuti uderedze mari. Unogona kunzwisisa kuti mabasa api anobatanidzwa uye kuti mutoro wako wemari uchava wei usati watarisirwa.
Unogona kubvunza mibvunzo pamusoro penzira dzokurapa nadzo, kunzwisisa kodzero dzako semurwere, uye kuita zvisarudzo zvinoratidza zvaunokoshesa nezvaunokoshesa.
Kuwana Nzira Dzokutarisira Dzinodzivirira
Gadziriro dzezvoutano dzinosimbisa tarisiro yokudzivirira sonzira yokuchengeta nayo zvinetso uye kubata nayo nokukurumidza. Kunzwisisa kuti mabasai okudzivirira anowanika uye anobhadharwa pasina mutengo kunokukurudzira kushandisa mabasa aya anokosha okutarisira utano. Kunzvera nguva dzose, kuongorora, kudzivirira, uye mabasa okupa mazano zvinogona kudzivisa zvinetso zvakakomba zvoutano kana kuti kuzviziva nokukurumidza, mwero inorapika zvikuru.
Kuongorora nguva dzose uye kutarisirwa kunogona kudzivisa zvinetso uye kuderedza kurapa kukuru gare gare. Zvirongwa zvakawanda zvokurapa zvinogovera mapurogiramu okutarisira hosha dzechirwere cheshuga uye zvinhu zvinokubatsira kubata nezvirwere zvinogara zvichipfuurira nenzira inobudirira.
Zviwanikwa uye Mamwe Mashoko
Kushandisa zviwanikwa izvi kunogona kuoma, asi zvinhu zvakawanda zvinokubatsira kunzwisisa zvaungaita uye kuita zvisarudzo uchiziva.
Zviwanikwa zveHurumende
Website yacho inopa zvirongwa zvokuenzanisa, madhiramu akaderera, mashoko ane udzame pamusoro penguva dzokunyoresa uye zvinodiwa. Unogona kunyora nhoroondo, kumbiriso dzakakwana, uye kunyoresa panzvimbo yacho.
Nokuda kwamashoko akawanda pamusoro pemapurogiramu ezvoutano nebetsero yokunyoresa, shanyira Health care.gov kana kuti kuridza 1-318-256. Medicare.gov inogovera mashoko akazara pamusoro peMindichare, kubatanidza kuronga maturusi okuenzanisa, udzame, uye kunyoresa mashoko. Nzvimbo yacho inopawo zviwiro zvokunzwisisa kuti Medicare inoshanda sei nemimwe inishuwarenzi uye kuti chii chii kuita apo unenge wava akakodzera.
Masangano eHurumende Medicaid anochengeta mawebsite ane mashoko akajeka ehurumende pamusoro peMedicaid ne CHIPIP ELIGIIS, betsero, uye miitiro yokushandisa. Idzi nzvimbo izvishandiso zvinokosha zvokunzwisisa mashandire epurogiramu muhurumende yako chaiyo. Centers for Medicare & Medicaid Services (CMS) pa CMS.gov inogovera mashoko emiitiro, mirayiridzo, uye zvishandiso pamusoro pemapurogiramu ose makuru okutarisira utano.
Rubatsiro Rwemutengi Namasangano Okudzidzisa
Masangano akawanda asingapi mari anogovera betsero yapachena yavatengi nemibvunzo yezvoutano nezvinetso. State Health Inshuwarence Assistem Programs (Ntope) dzinopa zano rapachena, risina kusarura reMedicare nebetsero. Masangano okusagona kubhadharwa akananga pamigariro yakati kana kuti vanhu vanogona kugovera mashoko netsigiro zvakanangidzirwa.
Masangano eyamuro apamutemo angakwanisa kubetsera kana uchitarisana nokuramba kufukidzwa, zvikumbiro, kana kuti dzimwe nhau dzeinishuwarenzi dzakaoma. Vazhinji vanopa mabasa apachena kana kuti mashoma kukwaniriswa kwavanhu. Masangano ezvoutano munzanga namasangano ebasa renzanga kazhinji kazhinji ane vashandi vanogona kubetsera kunyoresa nokupindura mibvunzo pamusoro pemapurogiramu ezvoutano.
Zvinhu Zvokudzidzisa Nematurusi
Masangano akawanda anogadzira zvinhu zvedzidzo kuti abatsire vatengi kunzwisisa kutarisirwa kwezvoutano.Aya anosanganisira kutemwa kwemashoko einishuwarenzi, mazano okusarudza zvirongwa zvoutano, mapepa okuongorora mashandiro anoitwa purofiti, uye kutsanangurwa kwekodzero uye kudzivirirwa pachishandiswa mitemo yokutarisira utano.
Mabharamidhi epaIndaneti anogona kukubetsera kufungidzira kuva netsandanyama, enzanisa hwerengedzo yezvirongwa zvakasiyana, uye kunzwisisa kuti chinjo mumari ingatapura sei zvisarudzo zvako zvokupedzisa. Maturusi aya anogovera nzwisiso dzinokosha dzokuita zvisarudzo zvokuziva. Nokuda kwemashoko akawanda pamusoro pezvisarudzo zveinishuwarenzi youtano nekodzero dzevatengi, Kaiser Family Foundation pa .KFF
Kuita Chiito: Nhano Dzako Dzinotevera
Kunzwisisa zvirongwa zvokutarisira utano zvinokosha, asi kuita chiito kuti uchengetedze kufukidzwa kwakafanira kunokosha. Kana usati wave kuzivikanwa, uchirangarira kuchinja kukurukura kwako, kana kuti kubetsera mutezo wemhuri kuti uite zvisarudzo zvawo, matanho chaiwo anogona kukubetsera kufambira mberi nenzira inobudirira.
Kurukura mamiriro ako ezvinhu azvino, kubatanidza migariro ipi neipi yenguva refu, mishonga yenguva dzose, uye mabasa okutarisira utano anokarirwa. Ongorora mugariro wako wemari, kubatanidza mari, zvinhu, uye bhajeti nokuda kwendyiko dzokutarisira utano.
Nzvera zvisarudzo zvako zvichitsamira pamigariro yako. Kana une mari shoma, nzvera Medicaid na CHIPIP girigigial nokuda kwako umene navana vako. Kana une 65 kana kuti mukuru kana kuti une urema hwakati, nzvera zvisarudzo zveMedica. Kana usingakwaniri nokuda kwepurogiramu dzehurumende, enzanisa rongedzero dzemisika ndokusarudza kana uchifanira kubhadharwa mari. Kana une mukana wokuwana inishuwarenzi yakagadzirwa, nzwisisa kuti inopindwai uye kuti inoenzana sei nedzimwe purogiramu dzehurumende.
Chengeta mapepa anodiwa usati watanga kumbiriso. Kuziva kuti mashoko anodiwa ari nyore kuwanikwa anoshanda uye kuderedza kunonoka. Usazengurira kutsvaka betsero kuvafambi vengarava, vapi vezano vanopupurirwa, kana kuti zvimwe zvinhu zvokubetsera. Vanachiremba ava vanogona kukupa nhungamiro yomunhu oga uye kukubatsira kudzivisa misungo yakarovedzeka.
Cherechedza nguva inokosha yaunofanira kusvitsa pakarenda yako, kusanganisira nguva yaunonyoresa, misi yokunyoresazve, uye nguva chaiyo yaunofanira kuisa panzvimbo yaunofanira kunyoresa kana uchiziva kuti zvinhu zvichange zvaitika.
Tarisa mapepa ako okuronga, ziva kuti mabasa api anobatanidzwa, nzwisisa mitoro yako inodhura, uye rovedzana negadziriro yako yokupa. Chengeta mashoko ako kupfurikidza nokushuma chinjo dzemari, ukuru hwemba, kana kuti kero nokukurumidza kuvimbisa kuti uchengete bharani rakakodzera nemari inobhadharwa.
mhedziso
Gadziriro dzezvoutano dzinomirira rutivi runokosha rwegadziriro yechengeteko yenzanga neyoutano muUnited States. Kubva kuMedicaid naCHIP vachibatira mhuri dzinowana mari shoma navana, kusvikira kuMedica iri kugovera kufukidzwa nokuda kwavakuru navanhu vakaremara, kugadziriro dzemisika dzokugovera inishuwarenzi yomunhu oga, aya mapurogiramu anovimbisa kuti mamirioni avaAmerica anogona kuwana tarisiro iri madikanwa yezvokurapa.
Kunzwisisa kuti mapurogiramu aya anoshanda sei, uyo anokwanirisa, kuti ibetseroi dzaanogovera, uye nzira yokuawana nayo kunokupa simba rokuita zvisarudzo zvokuziva pamusoro pokutarisirwa kwako kwoutano. Nepo marongerwo epurogiramu dzezvoutano angaratidzika kuva akaoma, nemitemo isingachinji inosiana nehurumende nepurogiramu, uye chinjo dzemiitiro dzinotapura kufukidzwa nendyiko, nharidzano huru inoramba iri isingachinji: kuva nechokwadi chokuwana kunaka, ungwaru hunodhura nokuda kwevora yeutano hwevanhu vose veAmerica.
Kushandiswa kwenguva kunodikanwa kunzwisisa zvisarudzo zvokutarisira utano hwako kunobhadhara miuyo youtano hwakavandudzwa, dzvinyiriro yemari, uye rugare rwendangariro kuziva iwe nemhuri yako zvine mvumo yokurapwa kuri madikanwa. Kana uri kufambisa aya mapurogiramu kwenguva yokutanga kana kuti kurangarirazve kufukidza kwako mukati memigariro inochinja youpenyu, zviwanikwa namashoko zvinowanika zvinogona kukutungamirira kubhadharwa kwakafanira, kunodhura kunosvitsa zvinodikanwa zvako.
Sezvo muitiro wokutarisira utano unopfuurira kushanduka - shanduka uye mikana mitsva inowanika, kuramba uchiziviswa uye uchibatanidzwa nezvisarudzo zvako zvokufumura kunoramba kuchikosha. Kuhwirudzurwa kwenguva dzose kwokupedzisa kwako, kuziva chinjo dzemiitiro, uye kudisa kutsvaka betsero apo inodikanwa kuchakubetsera kuchengeta dziviriro yakakwana yezvoutano munhambo dzose dzakasiana - siana dzoupenyu.
Kutarisira utano chinhu chinokosha, uye kunzwisisa zvirongwa zvakagadzirirwa kugovera mukana wokutarisira chinhu chinokosha chokuva mugari wemo uye kuronga mari.