Iindlela ezi-7 zokwenza ukukhethwa kwesiCwangciso se-Inshurensi yezeMpilo kungabi noxinzelelo

Umxholo

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'Lixesha lokuba sonwabe! Oko kukuthi, ngaphandle kokuba ungomnye wezigidi zabantu ekufuneka bethenge i-inshurensi yezempilo-kwakhonaKwimeko apho, lixesha lokucinezelwa. Nokuthenga iphepha langasese kumnandi kunokuthenga izicwangciso zempilo. Ukuhlenga ngokudibanisa, iiprimiyamu, uthungelwano, ukugubungela ukumiselwa, kunye nayo yonke eminye imiba yokufumana isicwangciso seinshurensi elungileyo kwanele ukubeka nabani na ngaphandle komoya weholide. (Kodwa unokufumana uchulumanco malunga nale Mithetho emitsha eNyonwabisayo yokuLungisa uKhathalelo lwezeMpilo e-U.S.)

Ngelixa i-Obamacare izise ukhathalelo lwempilo kubantu abaninzi abangakwaziyo ukuyifumana okanye abangafanelekanga ngaphambi-kwento esonwabileyo ngayo, ngendlela-umbono ovulekileyo wentengiso uye waba nefuthe elibi: ukungazinzi kwexabiso. Ngaphezu kwama-50 ekhulwini abantu abathenge izicwangciso ngenkqubo baye babona amaxabiso abo enyuka kulo nyaka uphelileyo, maxa wambi ephindaphindeka kabini okanye aphindaphindeka kathathu njengoko iinkampani ziwahlisa amaxabiso entshayelelo aphantsi ebewasebenzisa ukurhwebesha abathengi. Oku kukhokelele iipesenti ezingama-25 zabantu ukuba batshintshe izicwangciso, into enokuthi ingabi sisivumelwano esikhulu-ngaphandle kokuba kufuneka batshintshe yonke ukuwa. Kwaye ukutshintsha i-inshurensi yezempilo akufani nokutshintsha izicwangciso zefowuni.

Ukukugcinela intloko (kuba ngubani owaziyo ukuba icebo lakho ligubungela i-aspirin!), Siphule iindlela ezisixhenxe zokunceda uxinzelelo lwe-inshurensi yezempilo kulo nyaka.

1. Bhalisa ngoDisemba 15, 2015. Ewe, kungekudala. (Kodwa, hee, ngamanye amaxesha kuyanceda ukuba nomhla obekiweyo omfutshane-awungekhe uhlehlise!) Iwindow evulekileyo yobhaliso ngobuchwephesha ihlala ngoNovemba 15, 2015 ukuya kuJanuwari 31, 2016, kodwa ukuba ufuna ukuba ukhuseleko lwakho luqale ngoJanuwari 1, 2016, kufuneka uyenze kakuhle phambi kweeholide.

2. Yiya kwi-HealthCare.gov. Eli liziko likarhulumente elisemthethweni kunye nendawo yokugcina zonke izicwangciso zeinshurensi kwintengiso evulekileyo. Nokuba urhulumente unendawo yakhe, kuya kufuneka uqale apha kuqala. I-Healthcare.gov inokukuqhagamshelanisa nelizwe lakho okanye indawo yentengiso yomanyano kwaye ikunike ulwazi olubalulekileyo malunga nokufumaneka kwindawo yakho. Ikwasisixhobo esibalulekileyo sokufumana uncedo okanye ukubuza imibuzo.

3. Cinga ngokutshintsha izicwangciso. Ukuba ngoku ukwi-inshurensi kwindawo yentengiso kwaye ungenzi nto, isicwangciso sakho siya kuhlaziya ngokuzenzekelayo. Kodwa nangona oku kunokuba yeyona ndlela ilula, kusenokwenzeka ukuba ayizizo ezona ndleko zisebenzayo. Ngokwe-HealthCare.gov, abathengi abatshintsha izicwangciso bagcina phantse i- $ 500 ngonyaka. Oko kuzixabisa ngokupheleleyo iiyure ezimbalwa ezongezelelweyo zophando, akunjalo? Ukuthelekisa ngokukhawuleza izicwangciso kwaye ubone ukuba unako ukugcina imali, zama le calculator esebenzayo.

4. Zama ukuhlala nomboneleli wakho omnye. Abantu abaninzi bacinga ukuba izicwangciso zokutshintsha kuthetha ukutshintshela ababoneleli, kodwa kuhlala kusenzeka ukuba uhlale nomntu wakho ofanayo-uthi iBlue Cross Blue Shield-kodwa khetha isicwangciso esingabizi kakhulu esinenqanaba lokhuselo elifanayo. Oku kuya kukunceda ugcine "ukuqhubeka nokunyamekela," oku kuthetha ukuba ufumana oogqirha bakho kwaye usebenzise izibhedlele ezifanayo, into ebaluleke kakhulu ukuba ulawula imeko engapheliyo. (Ngaba ubusazi ukuba abukho bungqina bokuba ufuna uMzimba wonyaka?)

5. Ngaphantsi kwama 30? Unokufanelekela amaxabiso akhethekileyo. Ukuba mncinci kwaye usempilweni kunezibonelelo ezingaphaya kweHollywood! Ababoneleli abaninzi be-inshorensi banikezela ngezivumelwano ezikhethekileyo kubantu abasekwishumi elivisayo nakwiminyaka engama-20. Kukho okwahlukileyo okhethekileyo okwenzelwe abasetyhini abakhulelweyo okanye amagqala omkhosi wase-US nakweyiphi na iminyaka.

6. Ungalibali intlawulo yesohlwayo (okanye ityala lerhafu!). Ukuba uvumela ukhuseleko lwakho luphelelwe okanye ungenalo ukwanela ngokwaneleyo, uya kuhlawuliswa ubuncinci be- $ 695. Ewe! Kodwa urhulumente akafuni ukohlwaya ngokungabinayo i-inshurensi, bafuna ukukuvuza xa ubhalisa: Nje ukuba ukhuselwe kwi-inshurensi, unokulungela ukufumana irhafu yetyala eyakuhlisa intlawulo yakho yenyanga.

7. Cela uncedo. Ukuba konke kusavakala ngathi kuninzi kakhulu (iifomu zikarhulumente zinokwenza oko kuthi!), ungoyiki ukucela uncedo. Kukho iiarhente zengingqi ezingadibaniyo nayo nayiphi na inkampani yeinshurensi enokukunceda ubone ukuba kufuneka wenze ntoni ngokulandelayo. (Nd... Ukhe wazama ezi Hacks zikaGoogle zisempilweni okwangoku?)

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