Kwiyandikisha Bifunguye 2027: Iminsi n'ibyahindutse

Niba ufite ubwishingizi bw'ubuvuzi binyuze ku Isoko ry'Ubwishingizi Busobanutse (Affordable Care Act Marketplace), hari impinduka ikomeye ugomba kumenya mbere yo gushakisha ubwishingizi bwa 2027: igihe cyo kwiyandikisha ku isoko rya leta kigabanywa.

Kugira ngo ubashe guhabwa ubwishingizi bwa 2027, kwiyandikisha ku isoko rya leta bizaba kuva ku ya 1 Ugushyingo kugeza ku ya 15 Ukuboza 2026. Niba ushaka ko ubwishingizi bwawe bushya butangira ku ya 1 Mutarama 2027, bisanzwe ugomba kwiyandikisha cyangwa guhindura gahunda mbere ya tariki ya 15 Ukuboza kandi ugakandagira ikiguzi cya mbere.

Ibyo bitandukanye n'imyaka iheruka, ubwo icyemezo cyo kwiyandikisha ku isoko rya leta cyakomezaga kugeza muri Mutarama.

Hari kandi izindi mpinduka zikwiriye kumenya, harimo impinduka mu gufasha amafaranga ku isoko hamwe n'amategeko amwe yo kwiyandikisha. Niba ukoresha ubuvuzi kenshi, birakwiriye ko ureba kure y'ikiguzi cy'ukwezi ukanareba icyo gahunda yawe ivuga ku byerekeye telehealth, ubuvuzi bwihutirwa, imiti, ibyakoreshejwe mbere yo kwishura, n'ubuvuzi bwo hanze y'ikigo gikoreshwa.

Biterwa n'iki: Ibikubiye mu ngingo

• Kwiyandikisha kw'abakora imyuga ku ya 2027 bitangira ku ya 1 Ugushyingo 2026.
• Umupaka wa leta w'isoko ni ku ya 15 Ukuboza 2026 kugira ngo ubwishingizi butangire ku ya 1 Mutarama 2027.
• Isoko rya leta ntizongera gukoresha igihe cyo kwiyandikisha kuva ku ya 1 Ugushyingo kugeza ku ya 15 Mutarama ku bw'ubwishingizi bwa 2027.
• Amoko y'isoko rishingiye ku ntara ashobora gutegura iminsi yayo, ariko ibihe byabo byo kwiyandikisha buri mwaka bigomba kurangira ku ya 31 Ukuboza.
• Imisoro y'igereranywa y'isoko yongereweho yari yarongerewe by'agateganyo mu gihe cyo kwirinda COVID-19 yarangiye nyuma ya 2025, ibi bishobora kugira ingaruka ku mafaranga bamwe bashobora kwishyura.
• Iyo ug Comparegahunda, reba kurenza ikiguzi cy'ukwezi. Reba ibyakoreshejwe, ubusanzwe, imiti, abakoresha ubuvuzi, telehealth, n'amafaranga yawe ntarengwa yo kwishura.
• Igihe cyo Kwiyandikisha Cyihutirwa gishobora kugukundisha kugira cyangwa guhindura ubwishingizi ku isoko hanze y'igihe cyo kwiyandikisha bifuzwa niba ubifitiye uburenganzira.

Ushaka ubufasha bwo kumenya icyo ibimenyetso byawe bishobora bisobanura mbere yo gufata icyemezo aho uzajya kwivuza? Gerageza isesengura ry'ibimenyetso bw'ubuntu bwa August AI kugira ngo ugufashe gutekereza ku bimenyetso byawe niba ukeneye ubuvuzi. Niba ufite ibimenyetso bikomeye cyangwa utekereza ko ufite ikibazo gikomeye cy'ubuzima, ntukoreshe ubugenzuzi bwa interineti. Hamagara 911 cyangwa jya ku bitaro byihutirwa hafi. Ubugenzuzi bwa AI ntabwo ari ubugenzuzi kandi ntibuzasimbura igenzura ry'umuganga. Ku bibazo bijyanye no kwiyandikisha ku isoko, amahitamo y'integinyi, cyangwa uburenganzira ku gufashwa amafaranga, koresha umuhuzabikorwa w'ubwishingizi ufite uruhushya cyangwa wahamagara HealthCare.gov.

Igihe cyo kwiyandikisha gifunguye ku ya 2027 ni iki?

Ku bantu bakoresha isoko rigenzurwa na leta, kwiyandikisha ku bwishingizi bwa 2027 bizaba kuva ku ya 1 Ugushyingo kugeza ku ya 15 Ukuboza 2026.

Niba wiyandikishije mbere ya tariki ya 15 Ukuboza kandi ugahakana ikiguzi cya mbere, ubwishingizi bwawe bushobora gutangira ku ya 1 Mutarama 2027.

Iki gihe gito ni kimwe mu bintu bikomeye kwiyandikisha kw'abakora imyuga 2027.

CMS yemeje iteka ryahindura igihe cyo kwiyandikisha buri mwaka gitangira ku mwaka w'amashyirahamwe ya 2027. Ku bikorwa by'isoko rikoresha urubuga rwa leta, igihe bizaba kuva ku ya 1 Ugushyingo kugeza ku ya 15 Ukuboza. Ibikorwa by'isoko rishingiye ku ntara bifite ubushobozi bwo gutegura, ariko ibihe byabo byo kwiyandikisha bigomba gutangira bitarenze ku ya 1 Ugushyingo, kurangira bitarenze ku ya 31 Ukuboza, kandi bikamara ibyumweru icyenda by'icyumweru.

Nuko rero niba usanzwe utegereza kugeza muri Mutarama ngo utandukanye gahunda, iyo stratejiyo ntizakunda ku bwishingizi bwa leta muri 2027.

Kuki igihe cyo kwiyandikisha cyahindutse?

CMS ivuga ko igihe cyo kwiyandikisha gito kigomba kugabanya urujijo ku gihe cyo kwiyandikisha, kurengera ubwishingizi burambye, no kugabanya ubushobozi bw'abantu gutegereza kugeza igihe bakenera ubuvuzi mbere yo kwiyandikisha.

Ku bantu bakoresha, ingaruka z'ibanze zirasa: hari igihe gito cyo gutandukanya gahunda no gufata icyemezo.

Ntabwo wakeneye guhitamo gahunda ku ya 1 Ugushyingo. Ariko gusuzuma kare gahunda zirahari byakuguha igihe cyo gutandukanya amafaranga, ibyakoreshejwe, abaganga, imiti, n'ibindi bikoresho mbere y'umupaka wa Ukuboza.

Ni iki cyahindutse ku gufasha amafaranga ku isoko?

Impinduka ikindi ikomeye ni kurangira kw'imisoro y'igereranywa yiyongereyeho yari yaratangiye mu gihe cyo kwirinda COVID-19.

Ayo mafaranga yiyongereye yarangiye nyuma ya 2025. Uburyo bw'ubufasha b'amafaranga uzahabwa kuri 2027 bzaterwa n'ibintu nko kwinjiza inyubako yawe, umubare w'abagize inyubako, n'amashyirahamwe ahabwa aho utuye.

Ibi bivuze ko utagomba kwibaza ko ikiguzi cyawe cy'ukwezi cya 2027 kizaba kimwe n'ikiguzi cyawe cy'ukwezi cya 2026.

Iyo usabye cyangwa wongereye ubwishingizi, koresha ingano yawe y'amafaranga yinjira inyubako kandi wunganire application yawe niba ibintu byawe bihindutse. Uburenganzira bwawe ku misoro y'igereranywa n'andi mafaranga yunganira bishobora kugira ingaruka ku guhinduka mu by'amafaranga yinjira cyangwa amakuru y'inyubako.

Uburenganzira bw'ubwishingizi burimo telehealth?

Niba utandukanya gahunda za 2027, niba ubwishingizi burimo telehealth ni ikibazo cyiza kubaza mbere yo guhitamo gahunda.

Igisubizo gikomeye gikomeye ku gahunda n'ubuvuzi bwihutirwa. Amashyirahamwe y'isoko arimo ubuvuzi bw'ibanze, ariko ibisobanuro ku buryo serivisi runaka yakorewe, harimo kwishyura kwawe n'ikigo cy'abakoresha, birashobora gutandukana.

Niba ukoresha ubuvuzi bwihutirwa bw'ikoranabuhanga, ubuvuzi bwa mbere kuri interineti, serivisi z'ubuzima bwo mu mutwe, cyangwa izindi serivisi za telehealth, reba niba serivisi za telehealth zishobora kugera, niba umuganga wawe wa telehealth ari mu kigo gikoreshwa, amafaranga yawe cyangwa ubwishyu ku biganiro by'ikoranabuhanga, niba hari igyakoreshejwe mbere yo kwishyura, niba gahunda ikoresha ibiganiro by'ikoranabuhanga n'ibiganiro mu buzima busanzwe bitandukanye, kandi niba imiti yavuye ku biganiro bya telehealth yanditse muri serivisi yawe y'imiti.

Ushobora kandi gusuzuma incamake y'ubwishingizi bwawe n'ubwishingizi cyangwa guhamagara umwishingizi kugira ngo ubone amakuru adasobanutse. Kuri byinshi bijyanye n'ubuvuzi bw'ikoranabuhanga n'ubwishingizi, reba inzira yacu ku ubwishingizi burimo telehealth.

Ntutandukanye gahunda ku bwishyu gusa

Ikiguzi cyo hasi cy'ukwezi ntibisobanura ko gahunda izatwara amafaranga make mu gihe cyose.

Tekereza ku bifite ubuvuzi bwawe byose, harimo amafaranga y'ukwezi, ibyakoreshejwe, amafaranga yo kwishura, amafaranga yo kwishyura, n'ikiguzi cy'ikigereranyo cyo kwishyura. Inzira z'ibigo zikomeye kandi kuko zimwe mu nganda zikoreshwa zishobora kurenga amafaranga menshi iyo ukoresheje abakoresha hanze y'ikigo.

Ku ya 2027, reba niba umuganga wawe, abasobanitsi, ibitaro, ikigo cy'ubuvuzi bwihutirwa, farumasi, imiti ukunda, n'abakoresha telehealth bari mu nganda z'inganda z'inganda watekereza.

Niba ufata imiti y'ibisanzwe cyangwa uteganya gusura abaganga kenshi, gahunda ifite ikiguzi cy'ukwezi cyo hejuru ariko amafaranga yo kwishyura make ashobora gukoreshwa n'uburyo bwawe kuruta gahunda ifite ikiguzi cy'ukwezi gito n'ikiguzi cyo kwishyura cyo hejuru.

Washobora kugira icyemezo cy'ubuvuzi cy'ibitangaza?

Amashyirahamwe y'isoko afite uburyo bwo kwirinda ibyemezo byinshi byo hanze y'ikigo, ariko uburinzi bwa bukomeye ntibisobanuye ko buri kwezi buzaba bworoshye.

Itegeko rya leta rya No Surprises Act ririnda abafite ubwishingizi bw'abantu ku byemezo by'ibitangaza ku bikorwa by'ubutabazi byihutirwa kandi ibikorwa bimwe na bimwe byo hanze y'ikigo bikorwa mu bigo biri mu kigo. Nanone biragabanya ibiguzi bimwe na bimwe byo hanze y'ikigo n'ibyemezo by'ubwishyu.

Ariko, ushobora kugihakana ibyakoreshejwe, amafaranga yo kwishyura, n'ubwishyu ku buvuzi bwikorewe.

Itegeko nanone ntibisobanuye ko buri serivisi kuva ku mukoresha wese bizakoreshwa ku kigereranyo cya nyuma. Inzira z'ibigo byawe n'amategeko ya serivisi bigikomeye.

Mbere yo kwemerwa kw'ubuvuzi butihutirwa, cyane cyane iyo umusobanitsi, ikigo, cyangwa undi mukoresha ashobora kugiramo uruhare, kazo n'uwo uri mu kigo kandi igiciro wizeze kizaba ikihe.

Niba utafite ubwishingizi cyangwa wahisemo kutabukoresha, amategeko ni atandukanye. Mu bihe byinshi, abakoresha bagomba kuguhaza igihembo cy'ikigereranyo cy'ibyakoreshwa iyo wagenzura ubuvuzi mbere. Niba igihembo cyawe cyanyuma ari amafaranga 400 arenzeho kurenza igihembo cy'uwo mukoresha, ushobora kugitsindira binyuze mu bubiko bwa leta. Ku byinshi bijyanye n'ibiciro byo kwishyura, reba inzira yacu kuri icyo bivuze kwivuza utagize ubwishingizi.

Ni iki biba niba wacitswe tariki ya 15 Ukuboza?

Kwica tariki yo kwiyandikisha ku isoko rya leta ntibisobanuye ko ugomba kuguma utagira ubwishingizi igihe cyose.

Usaba uburenganzira ku gihe cyo kwiyandikisha cyihutirwa nyuma y'ibintu bimwe na bimwe by'ubuzima, harimo gukunda abandi bashobora guhabwa ubwishingizi, gushyingirwa, kubyara, cyangwa kwimuka. Uburenganzira biterwa n'ibintu byihutirwa.

Medicaid na CHIP nanone bifite kwiyandikisha buri gihe ku bantu bafite uburenganzira.

Ariko bisanzwe ntushobora gutegereza kugeza ubwo urwaye hanyuma ugahitamo gahunda y'isoko kubera ko ukeneye ubuvuzi. Ni yo mpamvu umupaka wo kwiyandikisha buri mwaka ukomeye.

Ni iki ugomba gutandukanya mu gihe cyo kwiyandikisha?

Mbere yo guhitamo gahunda ya 2027, kora urutonde rw'ibikorwa by'ubuvuzi ukoresha by'ukuri.

Hanyuma utandukanye gahunda ushingiye kuri:

• Ikiguzi cy'ukwezi. Ni cyo wishyura kugira ngo ubwishingizi burusheho gukora, wizewe cyangwa utabukoresheje muri iyo kwezi.
• Ibyakoreshejwe. Ni cyo bisanzwe wishyura ku bikorwa byemejwe mbere yuko gahunda itangira kwishyura igice cyayo, nubwo ibikorwa bimwe na bimwe bishobora kwishyuwe mbere yuko wujuje igyakoreshejwe.
• Ibyo wishyura n'ubwishyu. Ibi biragenera ingano y'amafaranga wishyura iyo wiyakiraga ubuvuzi.
• Ikiguzi ntarengwa cyo kwishyura. Ibi biragabanya ingano y'amafaranga wishyura ku bikorwa byemewe, by'ikigo, mu gihe cy'umwaka wose, mu mabwiriza ya gahunda.
• Inzira z'abakoresha. Reba niba abaganga bawe, ibitaro, ibigo by'ubuvuzi bwihutirwa, n'abandi bakoresha barimo.
• Kwemerwa kw'imiti. Reba urutonde rw'imiti ya gahunda kandi ugenzure niba imiti yawe yanditse kandi uko irimo.
• Telehealth. Niba ukoresha ubuvuzi bw'ikoranabuhanga buri gihe, reba niba burimo kandi n'amafaranga wishyura igihe wizewe.

Ibisobanuro

Impinduka zikomeye kwiyandikisha kw'abakora imyuga 2027 ni igihe gito cyo kwiyandikisha ku isoko rya leta n'ingaruka zikomeye z'impinduka ku gufasha amafaranga ku isoko.

Ku bw'ubwishingizi bw'isoko rya leta, kwiyandikisha kuzaba kuva ku ya 1 Ugushyingo kugeza ku ya 15 Ukuboza 2026, hamwe n'ubwishingizi bwa Mutarama 1, 2027 buzaba buboneka ku bantu biyandikishije mbere ya tariki ya 15 Ukuboza kandi bakishyura ikiguzi cyabo cya mbere.

Amoko y'isoko rishingiye ku ntara ashobora kuba afite iminsi itandukanye, rero reba isoko ririmo intara yawe mbere yo kwemera ko Ukuboza 15 ari umupaka wawe.

Iyo utandukanya gahunda, reba kurenza ikiguzi cy'ukwezi. Reba abaganga bawe, imiti, ibyakoreshejwe, igihembo cyo kwishyura, ubwishingizi bw'ubuvuzi bwihutirwa, kandi niba gahunda ikoresha serivisi za telehealth ukoresha by'ukuri.

Kandi wibuke ko kugira ubwishingizi ntibisobanuye ko buri kwezi bizaba byoroshye cyangwa byoroshye. Kumenya inzira zawe n'amabwiriza yo kwishyura mbere yo kwenera ubuvuzi bishobora kugufasha kwirinda amafaranga atagikenewe kandi kumenya neza icyo gahunda yawe yakoreye by'ukuri.