Bideni 1.8 triljoni dollari suurune plaan perede abistamiseks säilitaks Obamacare'i lisatoetused

Ajutine föderaalne poliitika, mille eesmärk on muuta tervisekindlustus kümnete miljonite ameeriklaste jaoks taskukohasemaks, võib muutuda püsivaks.

Under President Joe Biden’s $1.8 trillion plan to help families and children, which he will propose to Congress on Wednesday night, he would permanently extend recently expanded premium subsidies available for private health insurance through the public marketplace. The $1.9 trillion Covid relief bill enacted in March made the subsidies more generous for two years and expanded who can qualify for them.

Idee on tugineda 2010. aasta taskukohase hoolduse seadusele (muidu tuntud kui Obamacare), mis andis loa avalikuks vahetuseks ja rahalise abi kindlustusmaksete maksmiseks.

Rohkem isiklikest finantsidest:
Pinged kasvavad, kuna tööle naasmise plaanid saavad hoogu
Paljud leibkonnad võivad sel aastal tasuda tulumaksu nulli
Kasutage oma Covidi reisivautšereid enne nende aegumist

“This would be significant because the temporary subsidies are in part intended to provide Covid relief but also address some fundamental problems with the Affordable Care Act,” said Cynthia Cox, a vice president at the Kaiser Family Foundation and director of its ACA program.

“Whether people like or hate the ACA, they’d agree that it’s had problems,” Cox said. “The temporary [larger] subsidies help those who have been priced out and make it easier to afford lower-deductible health plans.”

Biden’s other health-care-related ideas — such as lowering the Medicare eligibility age to 60 from 65 and creating a public health option — are ei sisaldu tema uues seadusandlikus ettepanekus, mida nimetatakse Ameerika perede plaaniks. Täiustatud lisatasutoetuste lukustamine läheks maksma hinnanguliselt 200 miljardit dollarit.

Enne toetuste (tehniliselt maksusoodustuste) ajutist laiendamist oli abi üldiselt kättesaadav leibkondadele, kelle sissetulek oli 100% kuni 400% vaesustasemest. Ülempiir on nüüd kaotatud 2021. ja 2022. aastaks ning summa, mida igaüks maksab kindlustusmaksetena, on piiratud 8.5% -ga tema sissetulekust, nagu börs arvutab.

The tax credit is based on criteria that include income, age and the benchmark “silver” plan in your geographic area. The amount you qualify for is basically advanced to you over the course of the year via reduced premiums.

Uuringute kohaselt peaksid täiendavad subsiidiumid tooma kaasa palju madalamad kindlustusmaksed (kui muidu oleks saadaval) enamikule umbes 15 miljonile kindlustamata inimesele, kui nad registreeruvad, ning 14 miljonile inimesele, kes on juba registreeritud tervisekindlustuse kaudu. Kaiseri perefondist. 

Üldiselt võib öelda, et mida vanem on registreeruja, seda suurem on kokkuhoid, kuna kindlustusmaksed põhinevad vähemalt osaliselt teie vanusel.

Illustreerimiseks, nagu on kirjeldatud arKongressi eelarvebüroo aruanne: Say a 64-year-old with $58,000 in income — about 450% of the 2021 poverty level of $12,880 — currently pays $12,900 in annual premiums for a plan through the exchange because they don’t qualify for subsidies. Under the 2021-22 rules, that person would pay no more than $4,950 (8.5% of their income) — meaning the tax credits would amount to $7,950.

A special enrollment period to take advantage of the temporarily increased subsidies is open through Aug. 15. If you’re new to the exchange, the best place to start is health.gov.

Lisaks on Kaiseri perefondil a turu kalkulaator et aidata teil hinnata, kas vastate muudetud reeglite alusel toetustele.