Inishuwarenzi yezvehutano pasina chengetedzo yehukama yevasina kunyorwa. Iwe unoziva kukosha kweinishuwarenzi yehutano. Pasina inishuwarenzi yehutano, unogona kutarisana nemitengo yakakomba yekurapa neyechipatara.
Inishuwarenzi yehutano isina yekuchengetedzwa kwenhamba (kushandisa iyo ITIN pachinzvimbo cheSSN)
Inishuwarenzi yezvokurapa muUnited States kune vanobva kune dzimwe nyika. Nhamba yekuchengetedzeka munharaunda haina kudiwa kune inishuwarenzi yehutano, asi kana iwe uri kukumbira kufukidzwa pane inochinjiswa nehurumende, unofanirwa kuongorora mamiriro epamutemo ekupinda munyika. Vanyori veinishuwarenzi vekutengesa seRusununguko Bhenefiti havangabvunze nezve chinzvimbo chekupinda munyika.
Iko hakuna mutsauko muinishuwarenzi kunyorera maitiro kana uchinyorera pasina SSN; ingoshandisa iyo ITIN mune yemagariro chengetedzo nhamba yemunda kune chero mutemo wakanyorwa mu Rusununguko Kubatsira kana kubvumidzwa inishuwarenzi kuchinjana.
Nekuda kwako, mamwe emainishuwarenzi anozivikanwa kwazvo evatorwa uye vamwe vanyoreri vasina nhamba yekuchengetedzwa kwevanhu yakanyorwa pazasi. Zvese zviripo online.
- Inouya mubvakure - Kazhinji kukosha kwakanyanya kune avo vanga vari muUS kwemakore asingasviki maviri
- Yekutanga inishuwarenzi yekurapa: yakavimbiswa nyaya yakashomeka kubatsirwa inishuwarenzi kufukidza (hapana zvekurapa mibvunzo) iyo inogona kushandiswa nechero chiremba kana chipatara. Inosanganisira yakasununguka kufukidza kwemamiriro akambovapo mushure mekunge mutemo wave kushanda kwemwedzi gumi nemaviri.
Imwe nhamba yemuteresi yekuzivisa (ITIN) kana manhamba mapfumbamwe ekutanga epasipoti anogona kugamuchirwa panzvimbo yenhamba yekuchengetedzeka munharaunda pachikumbiro. Kukodzera kwehuwandu hwakawanda hwehurongwa hweinishuwarenzi yehutano kunoenderana chete nenzvimbo yekugara uye ugari hwemo haisi nyaya.
A ITIN (Mumwe Nomumwe Muteresi Chitupa Chinozivisa) yakapihwa neInternal Revenue Service (IRS) yeU.S.Dhipatimendi reMariki Inonyanya kushandiswa panzvimbo yenhamba yekuchengetedzwa kwenharaunda (SSN) pane chero inishuwarenzi yekushandisa kune anenge achikumbira asina SSN. Iyo IRS inoda kambani yeinishuwarenzi kuti iwane iyo SSN kana ITIN yechero mubati wezvematongerwo enyika anogona kupihwa hombe inishuwarenzi kubhadharwa kubhadhara.
Hurumende yemubatanidzwa inopa rumwe ruzivo pamusoro penhamba uye zvinyorwa zvinogona kushandiswa panzvimbo yenhamba yekuchengetedzwa kwevanhu pachikumbiro cheinishuwarenzi yehutano. Ndokumbira utarise kuti matipi ehurumende ehurumende anoshanda zvakanyanya kune federally inotarisirwa inshuwarisi kunyoresa masevhisi.
Ndokumbira utarise kuti zvinotora kusvika kumavhiki matanhatu kuti uwane ITIN saka ndokumbirawo uronge mberi kana uchiida. Inishuwarenzi epasi rese emitemo yekune dzimwe nyika muUS haidi SSN kana ITIN, saka iyi inogona kunge iri sarudzo iri nani yekushomeka-inishuwarenzi yekuvhara inodiwa.
Rubatsiro rwekurapa kuvanhu vasina magwaro vasina nhamba yekuchengetedzwa kwevanhu
Kana iwe uri zviri pamutemo muUnited States, une zvishoma sarudzo. Tinozvinyora pazasi.
Chekutanga sarudzo: hurongwa hwekubhadhara
Sarudzo yekutanga ndeye chirongwa chekuchengetedza inishuwarenzi ine hushoma hwakakosha hwekuvhara mutemo ( GUY ) kuzadzisa iro rega basa reACA. Indemnity inishuwarenzi zvirongwa hazvisi zvakabatana pamwe nedzimwe inshuwarisi. Iwe une sarudzo yekupa mabhenefiti kune anokupa kana iwe pachako. Kana iwe ukagovera iwo mabhenefiti iwe pachako, iwe unogona kuita chero chaunoda nemari.
Iyo MEC mutemo inopa kufukidza kwekudzivirira kuchengetedza kusangana nemvumo yega yeACA. Kuchengetedza kuchengetedza kunosanganisira kuongorora, kupfura, nezvimwe.
Inishuwarenzi yerevhizheni inowanikwa inosanganisira chirongwa chakamisikidzwa chekubatsira icho chinobhadhara chero kugara muchipatara, chirwere chakakomba uye tsaona.
Unoda nhamba yekuzivikanwa yemutero, inozivikanwawo semutero wemuteresi yekuziva (ITIN). Isu takambotaura nezve izvi zvisati zvaitika kana iwe uchida a inishuwarenzi yehupenyu uye hauna nhamba yekuchengetedzwa kwevanhu . Kana iwe uine ITIN, unogona kuwana inishuwarenzi yehutano nemakambani mazhinji. Unogona kusakwanisa kuwana inishuwarenzi yehutano kunze kwekuchinjana, asi iwe pamwe nevamwe vatapi vatinoshanda navo.
Iyo ITIN haitarise mamiriro ekupinda munyika. Izvo zvinongokupa iwe nenzira yekubhadhara yako mitero. Vanenge vese vatakuri vanoda imwe nzira yekuzivikanwa, uye iyo ITIN inokodzera mune dzimwe nguva.
Iwo maprimiyamu ezvirongwa izvi anowanzoita 50% pasi peye ACA / Shanduro chirongwa. Ivo vanoshanda nemazvo kune avo vanoda kwakawanda kutonga pamusoro pehutano hwavo sarudzo, mari, uye mutengo wekutonga.
Iyi haisi sarudzo inozivikanwa kwazvo, kunyangwe ichikuchengetera mari nekufamba kwenguva. Kune rimwe divi, vazhinji vagari vemuAmerica vari kukwezva kune iyi mhando yeinishuwarenzi sezvo mari yeinishuwarenzi yehutano iri kuramba ichikwira.
Chechipiri sarudzo: pfupi-kwenguva yekurapa mutemo
Iwe une imwe sarudzo. Unogona kukumbira pfupi pfupi mutemo wezvekurapa . Ndeipi pfupi-pfupi yekurapa mutemo? Iri ibumbiro rakagadzirirwa kugara isingasviki mwedzi gumi nembiri, kunyangwe, zvichienderana nedunhu rako, nyika zhinji dzinobvumira kusvika pamakore matatu ekuvhara. Chii chinoitika pakupera kwekota? Uyu mubvunzo wakanaka. Iwe unofanirwa kunyorera zvakare. Izvi zvinoreva kuti kana iwe ukaonekwa uine chirwere chakakomba kana tsaona panguva ino, ingangodaro isina kufukidzwa mune ramangwana. Ichi chakakosha kufunga kuti unzwisise.
Iwe unogona kunge uchifunga kuti iwe uchave unozotarisirwa pasi pekunyora uye zvisati zvambovapo mamiriro kana iwe uchinyorazve. Kazhinji, ndizvozvo. Ndiine opareta watinoshanda naye, izvo hazvisi. Mamiriro ekutanga-aripo akasungirirwa kune yako yekutanga kunyorera. Asi, mushure mekugadzirisazve, chero zvinetswa zvehutano zvinozotarisirwa kumashandisirwo emangwana! Izvi zvinoreva kuti iwe uchadzoserwa kure kana iwe uine chero hwakakomba hutano mamiriro.
Zvirongwa izvi zvenguva pfupi zvehutano zvinofukidza chii? Zvakanaka, zvinenge zvese, kusanganisira:
(1) Chiremba anoshanyira uye zvipatara
(2) Kushanya kuimba yekukurumidzira uye amburenzi sevhisi
(3) Basa reLaborari, imaging
(4) Kuongororwa bvunzo, kenza kuona
(5) Zvakawanda
Mamwe masevhisi haana kuvharwa. Tinozvikurukura pazasi.
Maprimiyamu angangoita 20% pasi peyekuenzanisa makuru ekurapa marongero uye angangoita makumi mashanu muzana kubva kunze-kwehomwe mari (kureva zvakaderedzwa, macopay, koresheni).
Aya marongero haasangane neAACA Minimum Essential Coverage (MEC). Nekudaro, iwe ungangoda kutenga yega MEC mutemo kuti uzadzise iro ACA rairo yega.
Mapfupi-enguva zvirongwa zvekurapa kazhinji hazvidi ITIN. Kazhinji, chinodiwa chete ndechekuti iwe ugare muUnited States. Ichi chirongwa cheinishuwarenzi chehutano chisingade kuti vanhu vave nenhamba yekuchengetedzwa kwevanhu.
Sevhisi dzisina kuvharwa - ZVINOKOSHA
Sezvo izvi zvirongwa zvisingateedzere ACA / Obamacare zvirongwa, kune mamwe masevhisi asina kuvharwa. Aya masevhisi anosanganisira, asi haana kuganhurirwa kune:
(1) Kunyorerwa Zvinodhaka - Isu tinopa rakaparadzaniswa chirongwa cheinishuwarenzi chemushonga kana chirongwa chakaderedzwa chemishonga
(2) nhumbu yakajairwa, saka kana iwe uchitsvaga kubata nhumbu, mutemo uyu HAUDZE kubhadhara
(3) pre-iripo mamiriro: kazhinji mwedzi gumi nemaviri anotarisa kumashure nguva
Sarudzo yega yega ine zvakare kusarudzika. (Cherekedza: pakuita pachena, tinoongorora izvi zvisizvo.)
Kunyorera chinhu chinodikanwa pamwe nesarudzo idzi. Kazhinji, iko kunyora kwekunyora ibvunzo remubvunzo uye nhaurirano yefoni.
Ndokumbira utarise kuti iwe unenge uine kunze-kwe-muhomwe mari nechero chirongwa; ese einishuwarenzi ehutano zvirongwa zvine imwe mhando yemitengo yekugovana.
Chechitatu sarudzo: inishuwarenzi yekurapa kwekufamba kwenguva
Kana iwe uine VISA kana uchakurumidza kuwana VISA, iyo kwenguva pfupi yekufamba inishuwarenzi yekurapa Izvo zvinoshanda. Isu tinoshanda pamwe nevakuru vese vanoita pano. Pane sarudzo dzenyika imwe neimwe. Nekudaro, izvi zvinowanikwa kune vanhu vane VISA. Sei? Kana iwe ukaisa chikumbiro, VISA yako iri kutsigira zvinyorwa uye inoratidza kugara kwako zviri pamutemo muUS.
Inishuwarenzi yemeno yeavo vasina magwaro
Muenzi wedu anobvunza kuti:
Mwana wamai vangu, asina magwaro, ari kutsvaga inishuwarenzi yemeno. Ane makore gumi nemasere, akaberekerwa muMexico uye akaunzwa pano pamwedzi mitanhatu. Parizvino arikushanda kuti awane mapepa ake, zvisinei arikurwadziwa zvakanyanya uye anoda kurapwa kwemukanwa pane rimwe remazino ake epamberi, uye ane maburi maviri anodawo kutariswa. Ini ndakagadzirira kukubatsira iwe nemari, zvisinei, zvakapihwa nguva dzazvino, yangu mari zvakare ishoma. Unogona here kureva kana kutibatsira neruzivo rweinotengeka mazino inishuwarenzi kune mumwe munhu akanyorwa?
Mhinduro:
Kutanga, ese mainishuwarenzi akapihwa muUS anoda imwe mhando yenhamba yekuzvizivisa pachikumbiro. Kana isiri nhamba yekuchengetedzeka munharaunda, iye anenge achinyorera anogona kushandisa iyo VISA nhamba kana imwe nhamba yemuteresi yekuzivisa (ITIN). Nhamba yacho kazhinji haina kuoneswa pamutemo wemazino, asi nhamba inodikanwa kuti chikumbiro chigadziriswe. Mazhinji ehurongwa hwemazino einishuwarenzi anowanikwa kune vasiri vemuUS vagari.
Chechipiri, iwe unoda inishuwarenzi inopa nekukurumidza kufukidzwa kwemaitiro makuru emazino. Iyo chete inoita izvi isina nguva yekumirira ndeyeCore Dental Inishuwarenzi pa http://freedombenefits.net/affordable-health-insurance/Core-Dental-Insurance.html . Mukutsinhana nezvakanaka zvinoitika, mutemo unoda kunyoreswa kwemwedzi gumi nemiviri. Coverage inoburitswa nekukasira online. Uchapupu hwekuvhara hunogona kutorwa pasi kadhi reID risati rasvika mune tsamba. Iyo app inokumbira yekuchengetedzwa kwenhamba, asi imwe nhamba yekuzivisa inogona kushandiswa.
Chekupedzisira, chete neruzivo rwekuwedzera, makambani einishuwarenzi haafunge nezvekushanyirwa zviri pamutemo kana chinzvimbo chemunhu anenge achipinda munyika. Kukodzera kunoenderana chete nematanho ekubvumidzwa akaburitswa neinishuwarenzi. Iyi nzira inogona kusanganisira kureba kwekugara kana chizvarwa cheUS, asi haibvunze nezvepamutemo chinzvimbo chekugara.
mhedziso
Uri kunetseka here nezvekusava nenhamba yekuchengetedzwa kwevanhu? Iwe unogona achiri kuwana inishuwarenzi yehutano. Imwe sarudzo chirongwa chekubhadhara uye imwe sarudzo chirongwa chenguva pfupi chekurapa. Iwe unogona zvakare kutenga zvenguva pfupi inishuwarenzi yehutano. Ndeupi akakukodzera? Izvo zvinoenderana nezvaunoda uye mamiriro. Muzhinji, isu takabuda mutsetse webasa uyu, asi kana iwe uchida rumwe ruzivo, ndapota usazeza kutibata nesu. Isu tinongoshanda chete nevanhu vane hanya nezvehutano hwavo. Kana iwe uri wakakomba, taura nesu. Kana iwe uchiredza kuti uwane ruzivo, pane nzira iri nyore.
Zviri Mukati
- Inishuwarenzi yehutano isina yekuchengetedzwa kwenhamba (kushandisa iyo ITIN pachinzvimbo cheSSN)
- Rubatsiro rwekurapa kuvanhu vasina magwaro vasina nhamba yekuchengetedzwa kwevanhu
- Chekutanga sarudzo: hurongwa hwekubhadhara
- Chechipiri sarudzo: pfupi-kwenguva yekurapa mutemo
- Sevhisi dzisina kuvharwa - ZVINOKOSHA
- Chechitatu sarudzo: inishuwarenzi yekurapa kwekufamba kwenguva
- Inishuwarenzi yemeno yeavo vasina magwaro
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