Ki te whiwhi koe i te inihua hauora mā te Whare Hoko Tiaki Tiaki (Affordable Care Act Marketplace), he panoni nui hei mōhio māu i mua i tō hoko inihua mō te tau 2027: ka poto ake te wā rehita tuwhera a te Pākehā o te Whare Hoko.
Mō te inihua tau 2027, ka rere te rangi rehita tuwhera i te Whare Hoko Pākehā mai i te 1 o Noema tae atu ki te 15 o Hakihea 2026. Ki te hiahia koe kia tīmata tō inihua hou i te 1 o Hānuere 2027, me rehita koe, me whakarereke rānei i te mahere hei te 15 o Hakihea, ā, me utu tō pire tuatahi.
He rerekē tērā i ngā tau tata nei, i te wā i tae atu ai te wā rehita a te Whare Hoko Pākehā ki Hānuere.
He kōrero anō hoki ngā panoni hei mōhio māu, tae atu ki ngā panoni ki te āwhina pūtea a te Whare Hoko me ētahi tikanga rehita. Ki te whakamahi koe i te rongoā i ia wā, he pai hoki te titiro i tua atu i te pire ā-marama me te tirotiro i ngā kōrero a tō mahere mō te rongoā ā-ipurangi (telehealth), te tiaki ohorere (urgent care), ngā rongoā kua tohua (prescriptions), ngā utu taunaha (deductibles), me te tiaki i waho o te whatunga (out-of-network care).
Kupu Hōhonu: Ngā Āhuatanga Matua
- Ka tīmata te rehita tuwhera mō te tau 2027 i te 1 o Noema 2026.
- Ko te Rāmutanga a te Whare Hoko Pākehā ko te 15 o Hakihea 2026 mō te inihua ka tīmata i te 1 o Hānuere 2027.
- Kāore te Whare Hoko Pākehā e whakamahi anō i te wā rehita tuwhera mai i te 1 o Noema tae atu ki te 15 o Hānuere mō te inihua tau 2027.
- Ka taea e ngā Whare Hoko ā-kāwanatanga te whakatau i ō rātou ake rā, engari me mutu ā rātou wā rehita ā-tau hei te 31 o Hakihea.
- Kua mutu ngā nama takoha reeti Whare Hoko (enhanced Marketplace premium tax credits) i ārahi ai i te wā mate urutā COVID-19 i muri i te tau 2025, ka pā tēnei ki te utu a ētahi tangata.
- A, no te whakataurite mahere, tirohia atu ngā utu i tua atu i te pire. Tirohia ngā utu taunaha, ngā utu takoha, ngā rongoā, ngā whatunga kaiwhakarato, te inihua rongoā ā-ipurangi, me ngā utu mō te nuinga ka puta i a koe.
- Ka taea tonu e ngā Wā Rehita Motuhake (Special Enrollment Periods) te tuku kia whiwhi koe, kia whakarereke rānei i te inihua Whare Hoko i waho atu o te rehita tuwhera ki te tika koe.
E hiahia awhina ana ki te whakatau he aha te tikanga o ngā tohu i a koe i mua i te whakatau ki hea ka whiwhi tiaki? Tāutatia te arotake tohu kore utu a August AI hei awhina i te whakaaro mā ngā tohu o tō tinana me te mea pea me rapu awhina hauora koe. Ki te kaha ngā tohu o tō tinana, me te whakaaro pea kei te pāngia koe e tētahi mate ohorere, kaua e whakamahi i te tātari ipurangi. Karangahia te 911, haere rānei ki te hōhipera tata tonu. Ko te tātari AI ehara i te tātaritanga, kāore hoki e whakakapi i te aromātai e tētahi tākuta. Mō ngā pātai mō te rehita Whare Hoko, ngā whiringa mahere, me te tika mō te āwhina pūtea, mahi tahi me tētahi kaihoko inihua whai raihana, whakapā atu rānei ki te HealthCare.gov tika.
A, ka tū te rehita tuwhera mō te tau 2027?
Mō te hunga e whakamahi ana i te Whare Hoko ā-Pākehā, ka rere te rehita tuwhera mō te inihua tau 2027 mai i te 1 o Noema tae atu ki te 15 o Hakihea 2026.
Ki te rehita koe i te 15 o Hakihea, ā, ka utua tō pire tuatahi, ka tīmata tō inihua i te 1 o Hānuere 2027.
Ko te wā poto nei tētahi o ngā panoni nui o te rehita tuwhera 2027.
Kua oti i te CMS tētahi tikanga e whakarerekē ana i te wā rehita tuwhera ā-tau, ka tīmata mai ki te tau mahere 2027. Mō ngā whakawhitiwhiti e whakamahi ana i te papamahi Whare Hoko Pākehā, ka rere te wā mai i te 1 o Noema tae atu ki te 15 o Hakihea. He nui ake te ngāwari o ngā whakawhitiwhiti ā-kāwanatanga, engari me tīmata ā rātou wā rehita kaua e muri i te 1 o Noema, me mutu kaua e muri i te 31 o Hakihea, ā, kaua e roa ake i te iwa wiki noa.
Na, ki te noa ki a koe te tatari ki Hānuere ki te whakataurite mahere, kāore taua rautaki e mahi mō te inihua Whare Hoko Pākehā i te tau 2027.
He aha te take i whakarerekē ai te wā rehita tuwhera?
E ai ki te CMS, ko te wā rehita poto nei he whai kia whakaiti i te raruraru mō ngā rā rehita, kia whakatairanga i te inihua tonu, ā, kia whakaiti i te tūponotanga ka tatari te tangata kia tae ra ano ki te wā e hiahia ana ia ki te rongoā i mua i te rehita.
Mō ngā kaihoko, he ngāwari noa te pānga: he iti ake te wā hei whakataurite mahere me te whakatau.
Kāore koe e tino hiahia ki te whiriwhiri mahere i te 1 o Noema. Engari, ko te titiro wawe ki ngā mahere e wātea ana ka hoatu he wā ki a koe ki te whakataurite i ngā pire, ngā utu taunaha, ngā tākuta, ngā rongoā, me ngā utu kē atu i mua i te rā mutunga o Hakihea.
He aha ngā panoni ki te āwhina pūtea a te Whare Hoko?
Ko tētahi atu panoni nui ko te mutunga o ngā nama takoha reeti Whare Hoko kua whakapaingia, i whakaurua mai i te wā mate urutā COVID-19.
Kua mutu aua penapena anō i muri i te tau 2025. Ko te nui o te āwhina pūtea ka riro i a koe mō te tau 2027 ka whakawhirinaki ki ngā mea pēnei i tō moni whiwhi o te whare, te rahi o te whare, me ngā mahere e wātea ana ki te wāhi e noho ana koe.
Ko te tikanga, kaua koe e whakatau mā te mea ko tō pire tau 2027 ka rite ki tō pire tau 2026.
A, no te tono, te whakahou rānei i te inihua, whakamahia tō whakapae pai rawa atu mō tō moni whiwhi o te whare, ā, whakahoutia tō tono Whare Hoko ki te whakarerekē ō āhuatanga. Ka pā tēnei ki tō tika mō ngā nama takoha reeti me ngā penapena kē atu nā te whakarerekētanga o te moni whiwhi, te mōhiohio rānei o te whare.
Kei te hipoki kē nei te inihua i te rongoā ā-ipurangi?
Ki te whakataurite koe i ngā mahere mō te tau 2027, he pātai tika tonu tērā mō te inihua e hipoki ana i te rongoā ā-ipurangi i mua i te whiriwhiri mahere.
Kei te whakawhirinaki te whakautu ki te mahere me te ratonga motuhake. Ka hipoki ngā mahere Whare Hoko i ngā painga hauora nui, engari ka rerekē ngā kōrero mō te hipoki o tētahi ratonga, tae atu ki tō utu tiritiri me tō whatunga kaiwhakarato.
Ki te whakamahi koe i te rongoā ohorere ā-ipurangi, te rongoā tuatahi ā-ipurangi, ngā ratonga hauora hinengaro, me ētahi atu ratonga rongoā ā-ipurangi i ia wā, tirohia mehemea ka hipoki ngā toro rongoā ā-ipurangi, mehemea kei roto i te whatunga tō kaiwhakarato rongoā ā-ipurangi e pai ana koe, tō utu takoha, te inihua rānei mō ngā toro ā-ipurangi, mehemea ka pā te utu taunaha, mehemea ka rerekē te tukunga o ngā toro ā-ipurangi me ngā toro ā-tinana, ā, mehemea ka hipoki ngā rongoā kua tohua mai i tētahi toro rongoā ā-ipurangi i raro i tō painga rongoā.
Ka taea hoki e koe te tirotiro i te Whakarāpopototanga o ngā Painga me te Inihua o tō mahere, whakapā atu rānei ki te kaiinikua tika ki te mārama ngā kōrero. Mō ētahi atu mō te hononga i waenganui i te rongoā ā-ipurangi me te inihua, tirohia tō mātou aratohu mō te hipoki kē nei te inihua i te rongoā ā-ipurangi.
Kaua e whakataurite mahere mā te pire anake
Kāore te pire ā-marama iti e tikanga ana ka iti ake te utu o te mahere katoa.
Whakaarohia ngā utu hauora katoa, tae atu ki ngā pire, ngā utu taunaha, ngā utu takoha, te inihua, me te teitei o ngā utu ka puta i a koe. He mea nui anō ngā whatunga mahere nā te mea ka nui ake te utu o ētahi mahere ki te whakamahi koe i ngā kaiwhakarato i waho o te whatunga.
Mō te tau 2027, tirohia mehemea kei roto i te mahere e whakaarohia ana e koe tō tākuta matua, ngā tohunga, te hōhipera, te pokapū tiaki ohorere, te whare rongoā, ngā rongoā pai ki a koe, me ngā kaiwhakarato rongoā ā-ipurangi.
Ki te tango koe i ngā rongoā i ia wā, me te tatari rānei kia maha ngā toro tākuta, mā te mahere me te pire teitei engari he iti ake ngā utu tiritiri ka pai ake pea mō tō tahua pūtea i te mahere pire iti engari he utu taunaha teitei.
Ka taea tonu koe te whiwhi pire hauora ohorere?
He tiaki ngā mahere Whare Hoko mō ngā momo pire ohorere mai i ngā kaiwhakarato o waho o te whatunga, engari kāore aua tiaki e tikanga ana ka mōhiotia ngā pire hauora katoa.
Ko te Ture No Surprises a te Pākehā ka tiaki i te nuinga o te hunga whai inihua hauora motuhake mai i ngā pire ohorere mō ngā ratonga ohorere maha me ētahi ratonga mai i ngā kaiwhakarato o waho o te whatunga i roto i ngā whare kei roto i te whatunga. Ka whakaiti hoki tēnei i ētahi utu tiritiri mai i ngā kaiwhakarato o waho o te whatunga me te pire taurite.
Heoi, ka taea tonu e koe te utu i ngā utu taunaha, ngā utu takoha, me te inihua mō te tiaki kua hipokina.
Kāore hoki te ture e tikanga ana ko ia ratonga mai i ia kaiwhakarato ka hipokina tika i te utu o roto i te whatunga. He mea nui tonu ngā tikanga whatunga me ngā painga o tō mahere.
I mua i te whiwhi tiaki ehara i te ohorere, otirā ki te whai wāhi te tohunga, te whare, me ētahi atu kaiwhakarato, pātai ko wai kei roto i te whatunga me te nui o te utu e tataria ana.
Ki te kore koe e whiwhi inihua, ki te whiriwhiri rānei koe kia kaua e whakamahi, he rereke ngā tikanga. I te maha o ngā wā, me hoatu e ngā kaiwhakarato he Arotaketaketanga Pai mō ngā utu kua tataria ka whakaritea ana te tiaki i mua. Ki te nui ake tō pire whakamutunga i te $400 atu i te arotaketaketanga mai i taua kaiwhakarato, ka taea e koe te whawhai ki runga mā te tukanga a te Pākehā. Mō ētahi atu mō ngā utu mō te moni, tirohia tō mātou aratohu mō te nui o te toro tākuta kāore he inihua.
Ka aha ki te ngaro te rā mutunga 15 o Hakihea?
Kāore te ngaro o te rā mutunga rehita tuwhera a te Whare Hoko Pākehā e tikanga ana me noho koe kāore he inihua mō te tau katoa.
Ka taea e koe te whai tika ki tētahi Wā Rehita Motuhake i muri i ētahi huihuinga ora, tae atu ki te ngaro o tō inihua hauora kē atu, te marenatanga, te whānautanga o te pēpi, te neke rānei. Kei te whakawhirinaki te tika ki ngā āhuatanga motuhake.
He wā rehita anō hoki te Medicaid me te CHIP puta noa i te tau mō te hunga e tika ana.
Engari kāore koe e taea te tatari kia māuiui koe ka haina ai mō tētahi mahere Whare Hoko mā te mea ka hiahia koe ki te tiaki hauora. Koia te take i whai tikanga ai te rā mutunga rehita ā-tau.
He aha te mea hei whakataurite i te wā o te rehita tuwhera?
I mua i te whiriwhiri mahere tau 2027, hangahia he rārangi poto o ngā ratonga hauora e whakamahi ana koe.
Na, whakatauritehia ngā mahere mā te:
- Pire ā-marama. Koinei te mea ka utua e koe kia noho kaha ai te inihua, ahakoa kaore koe e whakamahi i te hauora i taua marama.
- Utu taunaha. Koinei te mea ka utua e koe mō ngā ratonga kua hipokina i mua i te tīmatanga o te mahere ki te utu tana wāhanga, ahakoa ka hipokina ētahi ratonga i mua i te tutukitanga o te utu taunaha.
- Ngā utu takoha me te inihua. Ka whakatau ēnei i te nui o te utu ka utua e koe ina whiwhi koe i te tiaki.
- Te teitei o ngā utu ka puta i a koe. Ka whai rohe tēnei ki te nui o te utu ka utua e koe mō ngā ratonga kua hipokina, kei roto i te whatunga, i te wā o te tau mahere, i raro i ngā tikanga o te mahere.
- Whatunga kaiwhakarato. Tirohia mehemea kei roto ō tākuta, hōhipera, ngā pokapū tiaki ohorere, me ētahi atu kaiwhakarato.
- Hipoki rongoā. Tirohia te rārangi rongoā a te mahere me te tirotiro mehemea ka hipokina āu rongoā me te taumata kei roto.
- Rongoā ā-ipurangi. Ki te whakamahi koe i te rongoā ā-ipurangi i ia wā, tirohia mehemea ka hipokina me te nui o te utu ka utua e koe mō tētahi toro.
Whakamutunga
Ko ngā panoni nui o te rehita tuwhera 2027 ko te wā rehita poto ake o te Whare Hoko Pākehā me ngā pānga tonu o ngā panoni ki te āwhina pūtea a te Whare Hoko.
Mō te inihua Whare Hoko Pākehā, ka rere te rehita tuwhera mai i te 1 o Noema tae atu ki te 15 o Hakihea 2026, me te inihua o te 1 o Hānuere 2027 ka wātea ki te hunga e rehita ana i te 15 o Hakihea, ā, ka utua tō pire tuatahi.
Ka taea e ngā Whare Hoko ā-kāwanatanga te whai rā rereke, nā reira tirohia te Whare Hoko e mahi ana i tō kāwanatanga i mua i te whakapono ko te 15 o Hakihea te rā mutunga mōu.
A, no te whakataurite mahere, titiro atu ki tua atu i te pire ā-marama. Tirohia ō tākuta, rongoā, utu taunaha, te teitei o ngā utu ka puta i a koe, te hipoki tiaki ohorere, me te mea ka hipokina e te mahere ngā ratonga rongoā ā-ipurangi e whakamahi ana koe.
Ā, kia mahara kei te kore te inihua e tikanga ana ka kore utu, ka mōhiotia rānei ia pire hauora. Ko te mārama ki tō whatunga me ngā tikanga utu tiritiri i mua i te wā e hiahia ana koe ki te tiaki ka āwhina ki te karo i ngā utu kāore e hiahiatia me te mārama ake ki te mea ka hipokina tonutia e tō mahere.
