7 Nzira dzekuita Kutora Hutano Inishuwarenzi Chirongwa Chidiki Kushushikana

Zvemukati

• Ongororo ye

'Ino ndiyo nguva yekufara! Ndokunge, kunze kwekunge uri mumwe wemamirioni avanhu vanofanirwa kutenga inishuwarenzi yehutano -zvakare-muchiitiko ichocho, 'ndiyo mwaka wekumanikidzwa kunze. Kunyangwe kutenga mapepa echimbuzi kunonakidza kupfuura kutenga zvirongwa zvehutano. Kuronga kuburikidza nema deductibles, premiums, network, kuvharwa kwemishonga, uye zvimwe zvese zvekutsvaga chirongwa cheinishuwarenzi chakakodzera zvakakwana kuisa chero munhu kunze kwemweya wezororo. (Asi iwe unogona kufara nezve iyi Inofadza Mitemo Mitsva Inogadzirisa Hutano muU.S.)

Nepo Obamacare yakaunza hutano kune vanhu vazhinji vangave vasina kukwanisa kuzvibhadhara kana vasina kukodzera pamberi pechimwe chinhu isu tichiri kufara nezvazvo, nenzira-iyo yakavhurika yemusika musika yakave neakashata mhedzisiro mhedzisiro: yakakomba mutengo kusagadzikana. Vanopfuura makumi mashanu muzana yevanhu vakatenga zvirongwa kuburikidza nechirongwa vakaona mitengo yavo ichikwira mugore rapfuura, dzimwe nguva kupetwa kana katatu sezvo makambani anodonhedza mitengo yakachipa yekusuma yavaishandisa kukwezva vatengi. Izvi zvave kutungamira makumi maviri neshanu muzana yevanhu kuti vachinje zvirongwa, chimwe chinhu chingangodaro chisiri chinhu chikuru-kunze kwekunge ivo vachifanira kuchinja zvese kuwa. Uye kushandura inishuwarenzi yako yehutano hakuna kufanana nekuchinja zvirongwa zvefoni.

Saka kuti uchengetedze kutema kwemusoro (nekuti ndiani anoziva kana hurongwa hwako hunobata aspirin!), Taputsa nzira nomwe dzekubatsira kubvisa kushushikana kwekutenga inishuwarenzi yehutano gore rino.

1. Sign up naDecember 15, 2015. Hongu, ndizvozvo munguva pfupi. (Asi, hei, dzimwe nguva zvinobatsira kuve nepfupi nguva yekupedzisira - haugone kuverengera! unofanira kuti zviitwe zvakanaka pamberi pezororo.

2. Enda ku HealthCare.gov. Iyi ndiyo saiti yehurumende yepamutemo uye imba yekuchenesa kune ese zvirongwa zveinishuwarenzi pamusika wakavhurika. Kunyangwe kana nyika yako iine yavo saiti, iwe unofanirwa kutanga pano. Healthcare.gov inogona kukubatanidza nenyika yako kana yemusika musika uye nekukupa iwe ruzivo rwakakosha nezve kuwanikwa munzvimbo yako. Ichowo chinhu chakakosha kuwana rubatsiro kana kubvunza mibvunzo.

3. Funga nezvekuchinja zvirongwa. Kana iwe parizvino uine inishuwarenzi kuburikidza nemusika uye usingaite chinhu, hurongwa hwako huchazvivandudza. Asi kunyangwe ichi chingave chiri nyore kuita, ingangove isiri iyo inodhura kwazvo. Sekureva kweHealthCare.gov, vatengi vanochinja zvirongwa vanochengetedza madhora mazana mashanu pagore. Izvo zvakanyatso kukosha maawa mashoma ekuwedzera ekutsvaga, handiti? Kukurumidza kuenzanisa zvirongwa uye kuona kana uchikwanisa kuchengetedza mari, edza iyi inobatsira Calculator.

4. Edza kugara nemupi wako mumwe chete. Vanhu vazhinji vanofungidzira kuti kushandura zvirongwa zvinoreva kushandura vanopa, asi kazhinji zvinogoneka kuti ugare nemutakuri wako mumwe chete-inoti Blue Cross Blue Shield-asi sarudza chirongwa chakachipa chine nhanho yekuvhara yakafanana. Izvi zvinokubatsira iwe kuchengetedza "kuenderera kwekutarisira," zvichireva kuti iwe unosvika pakuona vanachiremba vako vamwe uye kushandisa zvipatara zvakafanana, chimwe chinhu chakanyanya kukosha kana uri kugadzirisa chirwere chisingaperi. (Waiziva here kuti Hakuchina Humbowo Unoda Wegore Negore Panyama?)

5. Under 30? Iwe unogona kuve unokodzera kune akakosha mareti. Kuva mudiki uye mutano kune zvakanakira kupfuura Hollywood! Vazhinji vanopa inishuwarenzi vanopa zvibvumirano zvakakosha kune vanhu vachiri mumakore ekuyaruka uye makumi maviri. Kune zvekare kwakasarudzika kwakasarudzika kwevakadzi vane nhumbu kana vemauto eU.S. vezera ripi zvaro.

6. Usakanganwa muripo wechirango (kana mutero wechikwereti!). Kana iwe ukarega kuvharika kwako kuchipera kana kusave nekuvhara kwakakwana, unobhadhariswa mari shoma yemadhora mazana matanhatu nemakumi mapfumbamwe nemashanu. Hongu! Asi hurumende haisi kungoda kukuranga iwe nekuda kwekusava neinishuwarenzi, ivowo vanoda kukupa mubairo kana iwe uchinge wasaina: Kana uchinge waiswa inishuwarenzi, unogona kukodzera kupihwa mutero wechikwereti uyo unodzikisa mari yako yemwedzi.

7. Kumbira rubatsiro. Kana zvese zvichiri kunzwika sekunge zvakawandisa (mafomu ehurumende anogona kuita izvo kune isu takanakisisa!), Usatya kukumbira rubatsiro. Kune masangano emunharaunda asina hukama nechero kambani yeinishuwarenzi iyo inogona kukubatsira kuona zvaunofanira kuita zvinotevera. (Pisst... Wakamboedza izvi zvine hutano Google Hacks izvozvi?)

Ongororo ye