Izindlela Eziyisi-7 Zokwenza Ukukhetha Uhlelo Lomshwalense Wezempilo Kungabi Nengcindezi

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'Lesi yisikhathi senjabulo! Lokho, ngaphandle kokuthi ungomunye wezigidi zabantu okufanele bathengele umshwalense wezempilo -futhi-Uma kunjalo, 'yinkathi yokucindezeleka. Ngisho nokuthenga ama-toilet paper kumnandi kunokuthenga izinhlelo zezempilo. Ukuhlunga ngokudonswa kwemali, amaprimiyamu, amanethiwekhi, ukumbozwa kadokotela, nazo zonke ezinye izici zokuthola uhlelo olufanele lomshuwalense kwanele ukukhipha noma ngubani emoyeni weholide. (Kepha ungathaba ngale Mithetho Emisha Ejabulisayo Ehlela Ukunakekelwa Kwezempilo e-U.S.)

Ngenkathi i-Obamacare iletha ukunakekelwa kwezempilo kubantu abaningi abebengakwazi ukuyikhokhela noma abebengafaneleki ngaphambi kokuthile-okuthile esisajabule ngakho, ngendlela-umqondo ovulekile wemakethe ube nomphumela omubi wecala: ukuguquguquka kwentengo enkulu. Abantu abangaphezu kwamaphesenti angama-50 abathenga izinhlelo ngalolu hlelo babone amanani abo enyuka ngonyaka owedlule, kwesinye isikhathi ephindwe kabili noma ephindwe kathathu njengoba izinkampani zehla amanani entengo ezethulo abiza kancane ukuheha amakhasimende. Lokhu kuholele kumaphesenti angama-25 abantu ukuthi bashintshe izinhlelo, okuthile okungase kungabi yinto enkulu ngaphandle kokuthi kufanele bashintshe konke ukuwa. Futhi ukushintsha umshuwalense wakho wezempilo akufani nokushintsha izinhlelo zefoni.

Ngakho-ke ukukusindisa ikhanda (ngoba kwazi bani ukuthi uhlelo lwakho lumboza i-aspirin!), Sesiphule izindlela eziyisikhombisa zokusiza ekucindezeleni ukuthenga kwakho komshuwalense wezempilo kulo nyaka.

1. Bhalisa ngoDisemba 15, 2015. Yebo, yilokho kungekudala. (Kepha, hheyi, kwesinye isikhathi kuyasiza ukuthola umnqamulajuqu omfishane - awukwazi ukukuhlehlisa!) Iwindi lokubhalisa elivuliwe ngobuchwepheshe lihlala ngoNovemba 15, 2015 kuya kuJanuwari 31, 2016, kepha uma ufuna ukumbozwa kwakho kuqale ngoJanuwari 1, 2016, udinga ukuthi yenziwe kahle ngaphambi kwamaholide.

2. Iya ku HealthCare.gov. Lesi yisiza sikahulumeni esisemthethweni nendlu yokuhlanza yazo zonke izinhlelo zomshuwalense ezimakethe ezivulekile. Noma ngabe isifunda sakho sinesizinda saso, kufanele uqale lapha kuqala. I-Healthcare.gov ingakuxhumanisa nezwe lakho noma imakethe yezwe futhi ikunikeze imininingwane ebalulekile ngokutholakala endaweni yangakini. Futhi kuyinsiza ebalulekile yokuthola usizo noma ukubuza imibuzo.

3. Cabangela ukushintsha izinhlelo. Uma okwamanje unomshuwalense emakethe futhi ungenzi lutho, uhlelo lwakho luzozivuselela ngokuzenzakalela. Kodwa nakuba lokhu kungase kube inketho elula, kungenzeka ukuthi akuyona ebiza kakhulu. Ngokusho kwe-HealthCare.gov, amakhasimende ashintsha izinhlelo zonga cishe u-$500 ngonyaka. Lokho kudinga amahora ambalwa owengeziwe ocwaningo, akunjalo? Ukuze uqhathanise ngokushesha amapulani futhi ubone ukuthi ungagcina imali, zama le-calculator ephathekayo.

4. Zama ukuhlala nomhlinzeki wakho ofanayo. Abantu abaningi bacabanga ukuthi ukushintsha izinhlelo kusho ukushintsha abahlinzeki, kepha imvamisa kungenzeka ukuthi uhlale nomthwali wakho ofanayo-uthi iBlue Cross Blue Shield - kepha khetha uhlelo olushibhile olunezinga elifanayo lokumboza. Lokhu kuzokusiza ugcine "ukuqhubeka kokunakekelwa," okusho ukuthi uthola ukubona odokotela bakho futhi usebenzise izibhedlela ezifanayo, into ebaluleke kakhulu uma ulawula isimo esingelapheki. (Ingabe bewazi ukuthi abukho ubufakazi bokuthi udinga i-Physical Yonyaka?)

5. Ngaphansi kweminyaka engama-30? Ungahle ufanelekele amanani akhethekile. Ukuba mncane nempilo kunezinzuzo ezingaphezu kweHollywood! Abahlinzeki abaningi bomshwalense banikeza amadili akhethekile kubantu abasesebancane nakuma-20s. Kukhona futhi okwehlukile okukhethekile okwenzelwe abesifazane abakhulelwe noma omakadebona bezempi base-U.S. Banoma yibuphi ubudala.

6. Ungakhohlwa imali yenhlawulo (noma isikweletu sentela!). Uma uvumela ukumbozwa kwakho kuphele noma ungenakho ukufakwa okwanele, uzohlawuliswa ubuncane buka-$695. Yebo! Kepha uhulumeni akafuni nje ukukujezisa ngokungabi nawo umshuwalense, futhi bafuna ukukuvuza uma ubhalisa: Uma usunomshwalense, ungahle uthole isikweletu sentela se-premium esizokwehlisa izinkokhelo zakho zanyanga zonke.

7. Cela usizo. Uma konke kusazwakala njengokukhulu kakhulu (amafomu kahulumeni angakwenza lokho kithina!), ungesabi ukucela usizo. Kunama-ejensi asendaweni angahlangene nanoma iyiphi inkampani yomshwalense engakusiza ukuthi uthole ukuthi yini okufanele uyenze ngokulandelayo. (I-Psst... Usuke wazama lawa ma-Google Hacks aphilile okwamanje?)

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