E tika ana koe mo te umanga hauora COBRA mo te mea kei te ngaro koe i to mahi , te whakarereketanga, te pouaru hou, te pakeke ranei o te koiora hauora mahi a tetahi matua ? Ko enei kaupapa whakauru ano hoki ka taea e koe te waitohu whakauru motuhake mo te panui inihua hauora a Obamacare.
I raro i te COBRA, ka utua e koe te utu katoa mo to kapitihana i runga i a koe ano, ahakoa o ou wahanga.
Engari ki te whiriwhiria e koe he mahere i roto i te whakawhitinga, ka taea pea e koe te awhina pütea ka uru ki te waahanga o te moni (me etahi atu, ko etahi o nga utu o waho ).
Waitohu mo te Obamacare Ki te Homai COBRA Health Insurance
Ae. He waiti poto koe i muri i te kaupapa whakangungu (ka ngaro to mahi, ka whakarerea ranei, hei tauira) ki te haina mo te COBRA. Ko te kaupapa e kii ana ki a koe ki te ngaro i te uru ki te mahere whakahaere a te kaituku mahi ka whakapuakihia he waahi whakauru motuhake mo te waahi mo te whakauru i to tau Whakapai Hinengaro Mahi Hauora (ranei mo te mahere ACA-whakahaere e tuku ana i waho o te utu).
Kei a koe te matapihi e 60-ra-waahi ki te waitohu, ahakoa te mea ka whiriwhiri koe ki te haere tonu i to mahere mahi-mahi ma COBRA, ka whiriwhiri ranei i tetahi mahere mahere takitahi i roto i te whakawhitinga kāore e wātea ana i waho o te utu).
I nga ra tuatahi o Obamacare, ko te ture ko te mea ki te hiahia koe ki te haere ki te COBRA, ka mutu to waahi whakauru motuhake mo te maakete takitahi i taua wa, ahakoa te roa o nga ra 60 kua ngaro. Hei tauira, mehemea ka mutu to tau mahi i te Pipiri 30, ka tohua koe i te 15 o Hurae ki te haere tonu ki te COBRA, kua tino whakarereketia nga ra 45 o te waitohu motuhake i riro ia koe mo te whiriwhiri i tetahi mahere mahere takitahi.
Engari i whakarerekētia i te mutunga o te tau 2016. I mohio a HHS kua uru atu etahi tangata mo te COBRA i roto i nga uiuitanga i puta i a raatau mahi, a, na te kore e tino mohio ki te pehea o nga mahinga me te utu o te mahinga takitahi e whakatau ana ki te pupuri i te mahere a te kaituku mahi. me COBRA. Na reira i whakarerekehia nga ture kia ahei ai nga tangata ki te noho tonu i nga rarangi whakauru motuhake mo te 60-ra mo te maatau takitahi, ahakoa te whakaae ratou i te COBRA, ehara ranei .
Ko te matapihi whakaurunga e 60-ra mo te kaataki takitahi (penei, ko te ahua e hokona ana e koe, ko te nuinga o nga keehi a Obamacare, engari mai i nga kaipupuri) ka timata i te ra ka mutu te kaitautoko a te kaituku mahi-ka mutu ranei mehemea kei a koe Kāore i whakaaetia COBRA.
Ahakoa ka whiriwhiria e koe te COBRA i te matapihi o te matapihi, kei a koe tonu nga ra 60 ki te whakaputa hei utu mo te mahere mahere takitahi. Ka taea e tenei te tino awhina i te wa e kitea ana e te iwi i roto i tetahi waahi ka mutu te mahere a te kaituku mahi i waenganui o te marama, kei waenga i nga maimoatanga hauora. I taua wa, ko te waa whai hua mo te mahere takitahi i hokona i roto i te whakawhitinga, ko te tuatahi o te marama e whai ake nei.
Engari ka taea te whakamahi COBRA hei taupoki i te toenga o te marama ka mutu te mahere a te kaituku mahi, ka taea e te tangata te huri ki tetahi mahere mahere takitahi mehemea he pai ake te utu.
Kia mutu te raupapa 60-ra, kaore koe i te whiriwhiri ki te whiriwhiri i te COBRA mehemea kaore koe i mua, a kaore koe i te whiriwhiri ki te whiriwhiri i tetahi mahere mahere takitahi mehemea kua hiahia koe mo te COBRA i mua (e hiahia ana koe he waahi ki te huri ki tetahi mahere mahere takitahi i te waahanga whakaurunga tuwhera , ka puta i ia tau i ia tau, engari ka ngaro te kōwhiringa ki te whiriwhiri COBRA i te wa katoa ka mutu te matapihi tuatahi).
Na he mea nui ki te whiriwhiri maatauranga, kia mauherea koe ki taau whiriwhiri mo te iti rawa i muri iho. Engari ko te ture pai mo nga waitohu motuhake i roto i te maatai takitahi (mehemea ka whai waahi koe ki te COBRA) ko te tikanga ka taea e koe te tango i to wa me te whakarereke i to hinengaro, i te mea kei te mahia e koe i roto i nga ra 60.
Ka taea e au te tiki i tetahi Tautoko Kaiwhaiwhai ki te Whakawhina i te Utu mo COBRA?
Nama. Ka taea anake te whakamahi i te moni tahua inihua hauora nama nama me te taapiri moni-utu e wātea ana i runga i te Marketplace ki nga mahere hauora kua hokona mai i te Maatau . Mena ka hoko koe i te inihua hauora o te Maatauhoko, ahakoa ko COBRA te riihi hauora me etahi atu inihua hauora motuhake, kaore e taea e koe te whakamahi i te tautoko a Obamacare hei utu i te utu.
Kei te Homai he Hokohoko o COBRA Insurance ki a au mo te Haupai Hauora?
No te mea ka whakaekea a COBRA e kore e pa ki to kaha ki te whakauru mo te tautoko a Obamacare. Engari, ki te painga i te kaitautoko, me whakarere ke koe i to COBRA me te whakauru ki roto i te mahere Obamacare na roto i te panui inihua hauora i te wa e 60 ra te whakauru motuhake. Me whai ano hoki koe ki te whakatutuki i nga moni me nga atu whakaritenga hei whakauru mo te tahua.
Ki te ngaro ahau ki te whakakore ranei i taku COBRA Coverage, Ka taea tonu e ahau te Whakaritea mo te Kaiwhaiwhai?
Mahalo. Ko te ngaro, te whakakore ranei i to COBRA, kaore e tino tika ana i a koe i te whiwhi tautoko a Obamacare, engari ka awhina pea koe ki to maatau mo te mahere Obamacare. Mai i te mea ka taea e koe te whakamahi i te tahua me te mahere Obamacare, kaore e taea e koe te whakauru mo te kaitautoko ki a koe mehemea kaore koe e uru ki te haina mo te mahere hauora Obamacare.
Ki te ngaro koe i to inihua hauora COBRA no te mea kua mate to COBRA waahi mo te 18-36 marama, ka taea e koe mo te waahanga whakauru motuhake mo te 60 ra i runga i te Marketplace (he rite tonu te wa e tika ana mo te whakauru i te wa i whakaaetia ai koe mo COBRA ). Ka taea e koe te whakauru ki roto i te Mahere Mahere me te tono mo tetahi waahi i tenei wa whakauru motuhake.
Mena kua whakakorehia e koe to COBRA kaore i ngaro i a koe no te mea kaore koe i utu i to utu , kaore koe e uru ki te whakaurunga motuhake o te Marketplace. Me tatari koe ki te waahi whakauru i muri mai hei waitohu mo te mahere Obamacare. I roto i taua wa whakauru whakauru, ka tono pea koe mo te pitihana tahua inihua hauora nama nama mo te hunga whai hua ki raro iho i te 400% o te taumata rawakore me te moni whakawhiti utu mo te hunga whai hua iti iho i te 250% o te FPL.
He aha taku mahi?
A, no te mea ka uru koe ki te COBRA, titiro ki a koe i to ahuatanga pütea me te rangahau kia pehea te nui o nga utu a COBRA . Me ui koe mehemea ka taea e koe te utu COBRA utu i te huringa o to tahua moni i huakina e to kaupapa angitu.
I muri mai, kimihia mehemea kaore e taea e koe te awhina mo te utu mo te inihua hauora e hokona ana e koe i roto i te Maatau. Mena ka taea e koe te whakawhiwhinga moni, he aha te mahere a Obamacare e rite ana ki to moni utu i muri nei i muri i te tahua?
Whakatauritehia to utu mo te tautoko a Obamacare me to utu mo te kirimana o te COBRA. Ko te mea nui ki to taumata oranga me to maatau mahere hauora me te whakarereke i nga mahere hauora, me te whakatau i to whakatau ki aua mea.
Kaupapa:
HealthCare.gov. COBRA Coverage me te Marketplace.
> HealthCare.gov. Papakupu: > Waa Whakauru Motuhake
Te Kamupene Foundation o Kaiser. Ngā Tohu Whakaora Hauora Tohutoro: COBRA
Te Tari Mahi a te United States o Reipa, Whakahaere Haumarutanga Putanga Hauora. FAQs Mō te COBRA Te Hauora Hauora.