I-inshurensi yezonyango ngaphandle kokhuseleko loluntu lwaBangenamaphepha. Uyazi ukuba ibaluleke kangakanani i-inshurensi yezempilo. Ngaphandle kweinshurensi yezempilo, unokujongana neendleko zonyango kunye nesibhedlele.
I-inshurensi yezempilo ngaphandle kwenombolo yokhuseleko kwezentlalo (usebenzisa i-ITIN endaweni ye-SSN)
I-inshurensi yezonyango eUnited States yabaphambukeli. Inombolo yokhuseleko kwezentlalo ayifuneki kwi-inshurensi yezempilo, kodwa ukuba ufaka isicelo sokufumana ingxelo yotshintshiselwano oluqhutywa ngurhulumente, kuya kufuneka uqinisekise ngobume bokufuduka ngokusemthethweni. Ababhalisi beinshurensi yorhwebo njengeZibonelelo zeNkululeko abazukubuza malunga nenqanaba lokufudukela kwelinye ilizwe.
Akukho mahluko kwinkqubo yesicelo seinshurensi xa ufaka isicelo ngaphandle kwe-SSN; Sebenzisa i-ITIN kwicandelo lokhuseleko lwentlalo kuwo nawuphi na umgaqo-nkqubo odweliswe Inzuzo yeNkululeko okanye ukutshintshiselana nge-inshurensi.
Ukulungiselela ukuba ube lula, ezinye zeenkqubo zeinshurensi ezaziwa kakhulu ngabafuduki kunye nabanye abafaki zicelo ngaphandle kwenombolo yokhuseleko kwezentlalo zidweliswe apha ngezantsi. Zonke ziyafumaneka kwi-Intanethi.
- Umngeneleli ongenayo -Ixabiso ngokubanzi lelona lihlala e-US ixesha elingaphantsi kweminyaka emibini
- I-inshurensi esisiseko yezonyango: Umba oqinisekisiweyo ukhawulelana neinshurensi yesibonelelo (akukho mibuzo yezonyango) enokusetyenziselwa nawuphi na ugqirha okanye isibhedlele. Kubandakanya ukugubungela ngokukhululekileyo kweemeko esele zikho emva kokuba umgaqo-nkqubo ubusebenza iinyanga ezili-12.
Inombolo yesazisi yomhlawuli werhafu (ITIN) okanye iinombolo zokuqala ezisithoba zenombolo yepaspoti zisenokwamkelwa endaweni yenombolo yokhuseleko ekuhlaleni kwisicelo. Ukulungela uninzi lwezicwangciso zeinshurensi yezempilo kusekwe kuphela kwindawo yokuhlala kunye nokuba ngummi ayisiyongxaki.
A I-ITIN (Inombolo yesazisi yomhlawuli ngamnye) ekhutshwe yiNkonzo yangaphakathi yeNgeniso (IRS) yeSebe laseMelika likaNondyebo Isetyenziswa kakhulu endaweni yenombolo yokhuseleko lwentlalo (SSN) kuso nasiphi na isicelo seinshurensi yomenzi-sicelo ngaphandle kwe-SSN. I-IRS ifuna inkampani yeinshurensi ukuba ifumane i-SSN okanye i-ITIN yakhe nawuphi na umnini-polisi onokufumana intlawulo enkulu ye-inshurensi.
Urhulumente wobumbano ubonelela ngolwazi olongezelelekileyo kumanani kunye Amaxwebhu anokusetyenziswa endaweni yenombolo yokhuseleko lwentlalo kwisicelo seinshurensi yezempilo. Nceda uqaphele ukuba iingcebiso zikarhulumente wobumbano zisebenza ngokukodwa kwiinkonzo zokubhaliswa kweinshurensi.
Nceda uqaphele ukuba kuthatha iiveki ezintandathu ukufumana i-ITIN ke nceda ucwangcise kwangaphambili ukuba uyayifuna. Imigaqo-nkqubo ye-inshurensi yamanye amazwe yabemi bamanye amazwe e-US ayifuni i-SSN okanye i-ITIN, ke oku kunokuba yeyona ndlela ilungileyo yokufuna i-inshurensi yexesha elifutshane.
Uncedo lwezonyango kubantu abangenamaphepha ngaphandle kwenombolo yokhuseleko lwentlalo
Ukuba usemthethweni ngokusemthethweni eMelika, unokukhetha ezimbalwa. Sizidwelise apha ngezantsi.
Inketho yokuqala: isicwangciso sembuyekezo
Olokuqala ukhetho yi Isicwangciso seinshurensi yokhuseleko nomgaqo-nkqubo osisiseko wokugubungela ( UMNTU ukuzalisekisa igunya lomntu ngamnye le-ACA. Izicwangciso zeinshurensi yokhuseleko azihambelani nezinye iinshurensi. Unokhetho lokunikezela izibonelelo kumboneleli okanye kuwe. Ukuba wabela izibonelelo ngokwakho, unokwenza nantoni na oyifunayo ngemali.
Umgaqo-nkqubo we-MEC ubonelela ngenkathalo kukhathalelo lokuthintela ukufezekisa igunya lomntu ngamnye kwi-ACA. Unonophelo lothintelo lubandakanya ukuhlolwa, ukudubula, njl.
I-inshurensi yokhuseleko efumanekayo ibandakanya isicwangciso esisisigxina esiya kuthi sihlawule nakuphi na ukuhlala esibhedlele, izigulo ezibi kunye neengozi.
Udinga inombolo yokuchonga irhafu, ekwabizwa ngokuba yinombolo yesazisi yomrhafi (ITIN). Sike sathetha ngale nto ngaphambili ukuba ufuna i i-inshurensi yobomi kwaye awunayo inombolo yokhuseleko lwentlalo . Ukuba unayo i-ITIN, unokufumana i-inshurensi yezempilo kwiinkampani ezininzi. Awunakho ukufumana i-inshurensi yezempilo ngaphandle kotshintshiselwano, kodwa uya kwenza nabanye babanikezeli esisebenza nabo.
I-ITIN ayijongi imeko yokufudukela kwelinye ilizwe. Inikezela nje ngendlela yokuhlawula iirhafu zakho. Phantse bonke abathwali baya kufuna uhlobo oluthile lokuchongwa, kwaye i-ITIN iyafaneleka kwezinye iimeko.
Iipremiyamu zezi zicwangciso ziipesenti ezingama-50 ngaphantsi kwesicwangciso se-ACA / sokuTshintshiselana. Basebenza kakuhle kwabo bafuna ulawulo ngakumbi kukhetho lwabo lokhathalelo lwempilo, iindleko, kunye nolawulo lweendleko.
Le ayisiyonto idume kakhulu, nangona inokugcina imali ngokuhamba kwexesha. Kwelinye icala, abemi abaninzi baseMelika bathambekele kolu hlobo lweinshurensi njengoko iindleko zeinshurensi yezempilo ziqhubeka nokunyuka.
Ukhetho lwesibini: umgaqo-nkqubo wezonyango wexesha elifutshane
Unolunye ukhetho. Ungacela ifayile ye- umgaqo-nkqubo wezonyango wexesha elifutshane . Yintoni umgaqo-nkqubo wezonyango wexesha elifutshane? Ngumgaqo-nkqubo owenzelwe ukuhlala ungaphantsi kweenyanga ezili-12, nangona, kuxhomekeke kwisimo sakho, amazwe amaninzi avumela ukuya kuthi ga kwiminyaka emithathu yokugubungela. Kwenzeka ntoni ekupheleni kwekota? Lowo ngumbuzo olungileyo. Kuya kufuneka uphinde ufake isicelo. Oko kuthetha ukuba ufunyaniswe unesifo esibi okanye ingozi ngeli xesha, ngekhe igqunywe kwixesha elizayo. Oku kubaluleke kakhulu ukuba kuqondwe.
Usenokucinga ukuba uya kuba phantsi kwemibhalo ebhaliweyo kunye neemeko esele zikho xa ufaka isicelo kwakhona. Ngokubanzi, kunjalo. Ngomntu osebenza nathi, ayisiyiyo. Imiqathango esele ikhona iqhotyoshelwe kwisicelo sakho sokuqala. Kodwa, emva kohlaziyo, nayiphi na inkxalabo yezempilo iya kuqwalaselwa kwizicelo ezizayo! Oko kuthetha ukuba uyakujikwa ukuba uneemeko ezinzima zempilo.
Zithatha ntoni ezi zicwangciso zexeshana zempilo? Ewe, phantse yonke into, kubandakanya:
(1) Ukutyelela ugqirha kunye nokulaliswa esibhedlele
(2) Ukutyelela kwigumbi likaxakeka nakwinkonzo yeenqwelo yezigulana
(3) Umsebenzi waselebhu
(4) Uvavanyo lokuchonga, ukufumanisa umhlaza
(5) Okuninzi ngakumbi
Ezinye iinkonzo azikho. Sixoxa ngazo apha ngezantsi.
Iipremiyamu zimalunga ne-20% ngaphantsi kwemigaqo-nkqubo yonyango ethelekisayo kunye ne-50% yeendleko zokuphuma epokothweni (okt. Ezitsalwayo, iikopi, isiqinisekiso semali).
Le migaqo-nkqubo ayihlangani ne-ACA's Minimum Essential Coverage (MEC). Kananjalo, unokufuna ukuthenga umgaqo-nkqubo we-MEC owahlukileyo ukufezekisa igunya lomntu ngamnye.
Izicwangciso zexesha elifutshane zonyango ngokubanzi azidingi i-ITIN. Ngokubanzi, eyona nto ifunekayo kukuba uhlala eMelika. Esi sisicwangciso seinshurensi yezempilo esingafuni ukuba abantu babe nenombolo yokhuseleko lwentlalo.
Iinkonzo ezingafakwanga - ZIBALULEKILE
Kuba ezi zicwangciso azilandeli izicwangciso ze-ACA / Obamacare, kukho ezinye iinkonzo ezingagutyungelwanga. Ezi nkonzo zibandakanya, kodwa azikhawulelwanga:
(1) Amachiza amiselweyo-Sinikezela ngesicwangciso esahlukileyo se-inshurensi yamachiza okanye isicwangciso esinexabiso sokufumana amayeza
(2) ukukhulelwa okuqhelekileyo, ke ukuba ujonga ukukhulelwa, lo mgaqo-nkqubo ngekhe uhlawule
(3) iimeko esele zikho: ngokubanzi iinyanga ezili-12 zijonga emva
Ukhetho ngalunye lukwanokukhetha okhethekileyo. (Qaphela: ukungafihli nto, siphonononga oku kungafakwanga.)
Ubhaliso luyimfuneko kolu khetho. Ngokuqhelekileyo, inkqubo yokubhala phantsi yikhweshine yezempilo kunye nodliwanondlebe ngomnxeba.
Nceda uqaphele ukuba uya kuba neendleko zokuphuma epokothweni nangasiphi na isicwangciso; Zonke izicwangciso zeinshurensi yezempilo zinolunye uhlobo lokwabelana ngeendleko.
Ukhetho lwesithathu: i-inshurensi yezonyango yethutyana
Ukuba unayo i-VISA okanye uza kufumana i-VISA kungekudala i-inshurensi yezonyango yethutyana Iyasebenza. Sisebenza nabo bonke abaqhubi abaphambili apha. Kukho iindlela zorhulumente ngamnye. Nangona kunjalo, oku kuyafumaneka kubantu abaneVISA. Ngoba? Ukuba ufaka ibango, i-VISA yakho ixhasa amaxwebhu kwaye ingqina ubume bakho ngokusemthethweni eMelika.
I-inshurensi yamazinyo yabantu abangabhaliswanga
Undwendwe lwethu luyabuza:
Umzala wam, ongenamaphepha, ufuna kakhulu i-inshurensi yamazinyo. Uneminyaka eli-18 ubudala, wazalelwa eMexico kwaye waziswa apha kwiinyanga ezi-6. Okwangoku usebenzela ukufumana amaphepha akhe, nangona kunjalo unentlungu engathethekiyo kwaye ufuna unyango lweengcambu kwelinye lamazinyo akhe angaphambili, kwaye unemingxunya emibini efuna ukuhoywa. Ndikulungele ukukunceda ngokwezezimali, nangona kunjalo, ngenxa yamaxesha akhoyo, imali yam ikwanomda. Ngaba ungathumela okanye usincede ngolwazi kwi-inshurensi yamazinyo efikelelekayo kumntu obhalwe phantsi?
Impendulo:
Okokuqala, yonke imigaqo-nkqubo yeinshurensi ekhutshwe e-US ifuna uhlobo oluthile lwenombolo yesazisi kwisicelo. Ukuba ayiyonombolo yokhuseleko kwezentlalo, umfaki sicelo unokusebenzisa inombolo yeVISA okanye inombolo yesazisi yomrhafi (ITIN). Inani ngokubanzi aliqinisekiswanga kumgaqo-nkqubo wamazinyo, kodwa inani liyafuneka ukuze isicelo senziwe. Uninzi lwezicwangciso zeinshurensi yamazinyo ziyafumaneka kubemi abangengabo base-US.
Okwesibini, udinga i-inshurensi ebonelela ngokukhawuleza kwiinkqubo eziphambili zamazinyo. Inye kuphela eyenza oku ngaphandle kwexesha lokulinda yi-Inshurensi yamazinyo eCore http://freedombenefits.net/affordable-health-insurance/Core-Dental-Insurance.html . Ukutshintshela izibonelelo kwangoko, umgaqo-nkqubo ufuna ukubhaliswa ubuncinci iinyanga ezili-12. Umyinge ukhutshwa kwangoko ngesicelo esikwi-Intanethi. Ubungqina benkcazo bunokukhutshelwa ngaphambi kokuba ikhadi le-ID lifike ngeposi. Insiza icela inombolo yokhuseleko lwentlalo, kodwa enye inombolo yesazisi ingasetyenziswa.
Okokugqibela, ulwazi olongezelelekileyo, iinkampani zeinshurensi azithathele ingqalelo ukutyelelwa kwezomthetho okanye inqanaba lomenzi-sicelo. Ulungelelwaniso lusekwe kuphela kwiikhrayitheriya zokufaneleka ezipapashwe ngumshuwalense. Eli nqobo linokubandakanya indawo yokuhlala okanye ubumi base-US, kodwa ayikaze ibuze malunga nobume bendawo yokuhlala.
isiphelo
Ngaba ukhathazekile ngokungabinayo inombolo yokhuseleko lwentlalo? Usenokufumana i-inshurensi yezempilo. Olunye ukhetho sisicwangciso sokhuseleko kwaye enye indlela sisicwangciso sonyango sethutyana. Unokuthenga iinshurensi yezempilo yexeshana. Yeyiphi efanelekileyo kuwe? Oko kuxhomekeke kwiimfuno zakho kunye nemeko. Ngokubanzi, siphume kulo mgca womsebenzi, kodwa ukuba ufuna ulwazi oluthe kratya, nceda ungathandabuzi ukunxibelelana nathi. Sisebenza kuphela nabantu abazimisele kukhathalelo lwempilo lwabo. Ukuba uzimisele, qhagamshelana nathi. Ukuba uloba ulwazi, kukho indlela elula.
Iziqulatho
- I-inshurensi yezempilo ngaphandle kwenombolo yokhuseleko kwezentlalo (usebenzisa i-ITIN endaweni ye-SSN)
- Uncedo lwezonyango kubantu abangenamaphepha ngaphandle kwenombolo yokhuseleko lwentlalo
- Inketho yokuqala: isicwangciso sembuyekezo
- Ukhetho lwesibini: umgaqo-nkqubo wezonyango wexesha elifutshane
- Iinkonzo ezingafakwanga - ZIBALULEKILE
- Ukhetho lwesithathu: i-inshurensi yezonyango yethutyana
- I-inshurensi yamazinyo yabantu abangabhaliswanga
- isiphelo
- Lubiza malini uvavanyo lwezonyango lokungena kwelinye ilizwe?
- Ndingayisebenzisa i-Itin Inani ukuSebenza?
- Izinto ezifunekayo kwiiVisa zomsebenzi eMelika
- Ungaba njani ngummi waseMelika ngaphandle kokuThetha isiNgesi
- Uviwo lwezonyango lokungena kwelinye ilizwe luqulathe ntoni?
- Imizekelo yeeleta zokuxolelwa kokufudukela kwelinye ilizwe ...