Kana uchitsvaga inshuwarisi yehutano kuburikidza neAffordable Care Act Marketplace, pane shanduko yakakosha yauchaziva usati watanga kutsvaga chikamu che2027: nguva yekuvhura kwakavhurika paFederal Marketplace iri kuwedzera kupfupika.

Kune chikamu che2027, kuvhura kwakavhurika paFederal Marketplace kuchavhurika kubva Mbudzi 1 kusvika Zvita 15, 2026. Kana uchida kuti chikamu chako chitsva chivhurike Ndira 1, 2027, unofanirwa kunyoresa kana kuchinja hurongwa pamberi paZvita 15 uye kubhadhara mari yako yekutanga.

Izvi zvakasiyana nefungu yemakore apfuura, apo nguva yekuvhurika kwakavhurika paFederal Marketplace yaive kusvika Ndira.

Pane dzimwe shanduko dzinokoshawo kuziva, kusanganisira shanduko muRubatsiro rwemari paMarketplace nezvimwe zvakawanda zvemitemo yekunyoresa. Kana uchishandisa hutano nguva dzose, zvinokoshawo kutarisa kunze kwemari yemwedzi uye kutarisa kuti hurongwa hwako hunotaura nezve telehealth, kuchengetwa kwechimbichimbi, mishonga, deductibles, uye kuchengetwa kunze kwesangano.

TL;DR: Zvinonyanya Kukosha

  • Kuvhurika kwakavhurika kwe2027 kuchatanga Gumiguru 1, 2026.
  • Mushandirwi weFederal Marketplace achave Zvita 15, 2026 kune chikamu chinotanga Ndira 1, 2027.
  • Federal Marketplace haisisarashandisa nguva yekuvhurika kwakavhurika Gumiguru 1 kusvika Ndira 15 ye2027 chikamu.
  • Marketplace dzinobva pamafamu dzinogona kusarudza mazuva avo, asi nguva dzavo dzekunyorera dzegore dzinofanirwa kugumira neZvita 31.
  • Mabhenefiti emutero ekubhadharira paMarketplace akawedzerwa panguva yedenda reCOVID-19 akagumira mushure me2025, izvo zvinogona kukanganisa mari inobhadharwa nevanhu vashoma.
  • Paunenge uchienzanisa zvinhu, tarisa kunze kwemari. Tarisa deductibles, copays, mishonga, masangano evapeji, chikamu chetelehealth, uye mari yako yakawanda yaunobhadhara kunze.
  • Nguva Dzekuvhurika Kunokosha dzinogona kutsigira iwe kuwana kana kuchinja chikamu cheMarketplace kunze kwenguva yekuvhurika kwakavhurika kana uchikwanisa.

Unoda rubatsiro rwekuziva kuti zviratidzo zvako zvingarevei usati wasarudza kwaunowana kuchengetwa? Edza August AI's mahara assessment ezviratidzo kuti ubatsirwe kufunga nezvezviratidzo zvako uye kana uchida rubatsiro rwechiremba. Kana uine zviratidzo zvakanyanya kana uchifunga kuti une dambudziko rekurapwa, usashandise online triage. Fona 911 kana enda kuchipatara chepedyo nekukurumidza. AI triage haisi kuongorora uye haitsivi ongororo yachiremba. Kune mibvunzo nezve kunyoresa kweMarketplace, zvinhu zvehurongwa, kana kukodzera rubatsiro rwemari, shanda nemumiriri weinshuwarisi ane rezinesi kana bata HealthCare.gov zvakananga.

Nguva yekuvhurika kwakavhurika kwegore ra2027 ingani?

Kune vanhu vanoshandisa Federal Facilitated Marketplace, kuvhurika kwakavhurika kwe2027 chikamu kuchavhurika kubva Mbudzi 1 kusvika Zvita 15, 2026.

Kana iwe ukanyoresa pamberi paZvita 15 uye ukabhadhara mari yako yekutanga, chikamu chako chinogona kutanga Ndira 1, 2027.

Hwindo refupfupi ndiwo imwe yehoho dzekuvhurika kwakavhurika 2027 huru dzakachinja.

CMS yakapedza mutemo uchichinja nguva yekuvhurika kwakavhurika kwegore kutanga nechirongwa che2027. Kune zviteshi zvinoshandisa Federal Marketplace platform, nguva ichavhurika kubva Gumiguru 1 kusvika Zvita 15. State-based exchanges vane simba rakawanda, asi nguva dzavo dzekunyorera dzinofanirwa kutanga zvichibva neGumiguru 1, kugumira zvichibva naZvita 31, uye kusatora nguva inodarika mavhiki mapfumbamwe emakarenda.

Saka kana iwe uchinyanya kumirira kusvika Ndira kuti uenzanise zvinhu, nzira iyoyo haishande kune Federal Marketplace chikamu muna 2027.

Nei nguva yekuvhurika kwakavhurika yakachinja?

CMS inoti nguva yekuvhurika kwakavhurika pfupi inoitirwa kuderedza kusanzwisisana pamusoro pemazuva ekunyorera, kukurudzira chikamu chisingachinjiki, uye kuderedza mukana wevanhu vanomirira kusvikira vachitsvaga kuchengetwa kwehutano vasati vanyoresa.

Kune vatengi, kuita kunoshanda kwakareruka: pane nguva shoma yekienzanisa zvinhu uye kuita sarudzo.

Haudikanwi kusarudza chirongwa musi waGumiguru 1. Asi kuona zvinhu zviripo kare kunogona kupa nguva yekienzanisa mari, deductibles, vanachiremba, mishonga, nezvimwe zvinodhura usati wasvika musi waZvita.

Chii chakachinja neRubatsiro rwemari paMarketplace?

Chimwe chinonetsa chakachinja ndechekupedzisira kwemabhenefiti ekubhadharira emitero akawedzerwa ayo akatanga panguva yedenda reCOVID-19.

Idzo mari dzekuwedzera dzakapera mushure me2025. Huwandu hwerubatsiro rwemari yaunogamuchira muna 2027 huchatsamira pazvinhu zvakadai semari yemhuri yako, saizi yemhuri, nezvinhu zvakachengetwa kwaunogara.

Izvi zvinoreva kuti haufanire kufungidzira kuti mari yako yemwedzi ye2027 ichava yakafanana nemari yako yemwedzi ye2026.

Paunenge uchitsvaga kana kugadziridza chikamu, shandisa fungidziro yako yepamusoro yemari yemhuri yako uye gadziridza application yako yeMarketplace kana mamiriro ako achichinja. Kukodzera kwako kune mabhenefiti emutero uye dzimwe mari kunogona kukanganiswa nezvichinje mumari kana ruzivo rwemhuri.

Inshuwarisi inovhara telehealth here?

Kana uchienzanisa zvinhu zve2027, kana inshuwarisi inovhara telehealth ipfungwa yakakodzera kubvunza usati wasarudza chirongwa.

Mhinduro inovira pachinhu chaicho nechikamu. Zvinhu zveMarketplace zvinovhara zvakakosha zvehutano, asi zvakadzama kuti chikamu chechinhu chinovharwa sei, kusanganisira mari yako uye boka ravapeji, zvinogona kusiyana.

Kana iwe uchishandisa virtual urgent care, online primary care, zviitiko zvehutano hwepfungwa, kana zvimwe zviitiko zve telehealth nguva dzose, tarisa kuti kushanya kwetelehealth kunovharwa here, kana mutengesi wako waunofarira we telehealth ari mune sangano, copay yako kana co-insurance yekushanya kwepamhepo, kana deductible inoshanda, kana chirongwa chichibata kushanya kwepamhepo uye kune vanhu nenzira dzakasiyana, uye kana mishonga kubva pakushanya kwe telehealth ichivharwa pasi pebhenefiti yako yemishonga.

Iwe unogona zvakare kutarisa Summary of Benefits and Coverage yeplan yako kana kubata mutengesi zvakananga kana ruzivo rusina kujeka. Kuti uwane zvakawanda pamusoro pehukama pakati pevirtual care uye inshuwarisi, ona gwara redu painshuwarisi inovhara telehealth.

Usienzanise zvinhu nemari chete

Mari yemwedzi yepasi haireve kuti chirongwa chichadhura zvishoma pakukwana.

Funga nezve mari yako yakazara yehutano, kusanganisira mari, deductibles, copayments, co-insurance, uye out-of-pocket maximum. Zvibvumirano zvevapeji zvakakoshawo nekuti zvinhu zvimwe zvinodhura zvakanyanya kana uchishandisa vashandisi kunze kwesangano.

Kune 2027, tarisa kuti chiremba wako weprimary care, nyanzvi, chipatara, nzvimbo yekuchengetwa kwechimbichimbi, pharmacy, mishonga yaunoda, uye vashandisi ve telehealth vanovharwa here nechirongwa chaunofungisisa.

Kana uchitora mishonga nguva dzose kana uchitarisira kushanya kwenguva dzose kwechiremba, chirongwa chine mari yepamusoro asi mari shoma yekubhadhara inogona kushanda nenzira yakasiyana kune bhajeti yako pane chirongwa chemari yepasi cheine deductible yepamusoro.

Ungawana here bhiri rekurapa risina kumbofungirwa?

Zvinhu zveMarketplace zvine dziviriro kubva kune mhando dzakawanda dzezvikwereti zvisingafungirwi zvekunze kwesangano, asi dziviriro idzo hadzireve kuti chikwereti chekurapwa chichava chinokwanisa kufungirwa.

Federal No Surprises Act inowanzodzivirira vanhu vane inshuwarisi yehutano yakazvitsaurira kubva kune zvikwereti zvisingafungirwi zvemazhinji ezvido zvepanguva dzekukurumidzira uye zvimwe zviitiko zvisingabhadharwe mukati mezvinhu zvakachengetedzwa.

Zvisinei, iwe uchagadzirira kureva deductibles, copayments, uye co-insurance kune kuchengetwa kunovharwa.

Mutemo haurevewo kuti chikamu chechose kubva kune chero mutengesi chinovharwa otomatiki panguva yekuvhurika kwesangano. Mitemo yesangano uye yebhenefiti yako ichiri kukosha.

Usati wagamuchira kuchengetwa kusiri kwechimbichimbi, kunyanya kana nyanzvi, nzvimbo, kana mumwe mutengesi angabatanidzwa, bvunza ndiani ari musangano uye mari yako yakatarisirwa ichavai.

Kana usina inshuwarisi kana ukasarudza kusashandisa, mitemo yakasiyana. Mumamiriro akawanda, vashandisi vanofanirwa kukupa Chiedza Chakanaka Chekufungidzirwa kwezvinodhura zvinotarisirwa paunenge uchironga kuchengetwa mberi. Kana chikwereti chako chekupedzisira chiri $400 kana kupfuura kubva pakufungidzirwa kubva kumutengesi iyeye, unogona kukwanisa kuchipikana kuburikidza neprosefu yeFederal. Kuti uwane zvakawanda pamusoro pezvinodhura zvekubhadharira, ona gwara redu pa mari yekushanya kwachiremba pasina inshuwarisi.

Chii chinoitika kana ukapotsa musi waZvita 15?

Kupotsa musi weFederal Marketplace kuvhurika kwakavhurika hakureve kuti unofanirwa kugara usina inshuwarisi kwegore rose.

Iwe unogona kukwanisa Nguva dzeKubvhurika Kunokosha mushure mezviitiko zvakakosha zvehupenyu, kusanganisira kurasikirwa kwechikamu chehutano chekuwedzera, kuroorana, kuva nemwana, kana kufamba. Kukodzera kunotsamira pane zvakadzama zvemamiriro ezvinhu.

Medicaid neCHIP zvakare vane kuvhurika kwegore rose kune vanhu vanokwanisa.

Asi iwe haugoni kumirira kusvikira wava kurwara wozozvinyorera chirongwa cheMarketplace nekungoti unoda kuchengetwa kwekurapwa. Ndicho chikonzero nei musi wekupedzisira wekunyorera wegore uchikosha.

Chii chaunofanira kuienzanisa panguva yekuvhurika kwakavhurika?

Usati wasarudza 2027 chirongwa, ita runyorwa rwezvinhu zvehutano zvaunoshandisa.

Zvino enzanisa zvinhu maererano ne:

  • Mari yemwedzi. Izvi ndizvo zvaunobhadhara kuti inshuwarisi irambe iripo, zvisinei kuti unoshandisa here hutano mwedzi iyeye kana kuti kwete.
  • Deductible. Ichi ndicho chawachabhadhara kazhinji kune zvinhu zvinovharwa usati chirongwa chatanga kubhadhara chikamu chacho, kunyange zvinhu zvimwe zvichigona kuvharwa usati wasvika deductible.
  • Copays ne co-insurance. Izvi zvinosarudza kuti wakabhadhara sei paunenge uchikwanisa kuchengetwa.
  • Out-of-pocket maximum. Izvi zvinogumira kuti wakabhadhara sei kune zvinhu zvinovharwa, zvinoshanda mukati mesangano panguva yemwedzi wechirongwa, zvichienderana nemitemo ye chirongwa.
  • Provider network. Tarisa kuti vanachiremba vako, zvipatara, nzvimbo dzekuchengetwa kwechimbichimbi, nevamwe vashandisi vanosanganisirwa here.
  • Chikamu che mishonga. Tarisa mishonga yemakopi emushonga yeplan uye tarisa kuti mishonga yako inovharwa here uye chiyero chechiyero yainowira mairi.
  • Telehealth. Kana uchishandisa virtual care nguva dzose, tarisa kuti inovharwa here uye kuti uchabhadharai kushanya.

Mhedziso

Zvinonyanya kukosha zvekubhururuka kwakavhurika 2027 zvakachinja zviri nguva yekuvhurika kwakavhurika kwepasi rose yeFederal Marketplace uye zvichiri kuenderera mberi kwe shanduko dzemari paMarketplace.

Kune Federal Marketplace chikamu, kuvhurika kwakavhurika kunovhurika kubva Gumiguru 1 kusvika Zvita 15, 2026, nechirongwa cheNdira 1, 2027 chinowanikwa kune vanhu vanonyoresa pamberi paZvita 15 deadline uye vabhadhara mari yavo yekutanga.

State-based Marketplaces dzinogona kuva nemazuva akasiyana, saka tarisa Marketplace inoshanda nyika yako usati wadzidza kuti Zvita 15 ndiyo yako deadline.

Paunenge uchienzanisa zvinhu, tarisa kunze kwemari yemwedzi. Tarisa vanachiremba vako, mishonga, deductible, out-of-pocket maximum, chikamu chekuchengetwa kwechimbichimbi, uye kana chirongwa chinovhara zviitiko zve telehealth zvaunoshandisa.

Uye rangarira kuti kuva neinshuwarisi hakureve kuti chikwereti chekurapa chichava chisingadhuri kana chekufungidzira. Kunzwisisa sangano rako nemitemo yekubhadhara usati wagona kuchengetwa kunogona kukubatsira kudzivisa mari isingatarisirwe uye kunzwisisa zviri nani kuti chirongwa chako chinovhara sei.