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医疗保险的基础

11-29-2016卫生保健

Medicare is a federal system of health insurance for people over 65 years of age and for certain younger people with disabilities.  Medicare pays for much of the cost of hospital stays and doctor’s office visits for people age 65 and older.  But what does that mean and what do you need to know?

  • 医疗保险有不同的部分:
    • 医疗保险部分 是医院护理.  Most people don't pay a premium for Medicare Part A.  医疗保险A部分有1美元,如果你住院,可免赔额, and additional costs apply if your hospital stay exceeds 60 days.
    • 医疗保险B部分 is medical insurance that covers doctor's visits and outpatient services.  的 standard Medicare Part B premium is $134 per month in 2017, but it is primarily new enrollees and those who haven’t yet claimed Social Security who will pay this amount.  Most Social Security recipients will pay $109 per month for Medicare Part B in 2017 because Medicare premiums are prevented by law from increasing faster than Social Security payments for existing recipients. Premium costs are also higher for retirees with a modified adjusted gross income above $85,个人$ 000和$170,000年的夫妇.  的re is a $183 Medicare Part B deductible in 2017, after which you will be charged 20 percent of the Medicare-approved amount for most services. 的re’s no annual limit on out-of-pocket expenses.
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社会保障会覆盖我的残疾吗?

01-09-2014卫生保健

If you are wondering about the need for Long-Term Disability 保险, but figure you are covered with Social Security. 一定要考虑:

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IRS Finalizes Affordable Care Act’s Individual Mandate Regulations & 处罚

08-29-2013卫生保健

的 Internal Revenue Service has issued final regulations for the shared responsibility payment for not maintaining minimum essential coverage under the Affordable Care Act.

  • 的 final regulations largely finalize the rules proposed in February.
  • 的 individual mandate differs from the employer mandate, which was delayed last month until January 2015.
  • 的 individual mandate in contrast is still scheduled to take effect in 2014, when individuals who choose not to enroll in a health insurance program will have to pay a penalty of $95 per person per year, 或者收入的1%, 哪个更大.
  • 的 individual mandate penalty will gradually increase in 2015 to $325, 或者收入的2%, 2016年的价格为695美元, or 2.5 percent of income, whichever is bigger.

美国医疗改革延期

07-17-2013卫生保健
  • 的 US Treasury Department announced on Tuesday that it would delay certain provisions of 2010’s health-care reform legislation until 2015 for large employers that fail to provide certain health care coverage to employees.
  • 在一个 财政部的博客 题为, “Continuing to Implement the ACA in a Careful, 深思熟虑的方式,” Assistant Secretary for Tax Policy Mark Mazur wrote that the government “will provide an additional year before the ACA [Patient Protection and Affordable Care Act] mandatory employer and insurer reporting requirements begin.”
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    How does the 卫生保健 Reform affect me?

    05-26-2013卫生保健

    Patient Protection and Affordable Care Act and the 卫生保健 and Education Reconciliation Act of 2010 (often to as “Obamacare” or “卫生保健 Reform”) was signed into law in March 2010. (的 law was upheld as constitutional by the U.S. 2012年6月,最高法院.)

    的 primary purpose of the law is to extend health care to millions of uninsured Americans. Here is a summary of how it may affect you so you can prepare for the short- and long-term impacts before they occur.

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    How will the IRS know if I have medical insurance or not?

    05-26-2013卫生保健

    A self-employed client asked how the Federal government and the IRS will know in 2014 if she was or was not covered by health insurance. She does not currently have coverage and was evaluating not making any changes. 然而, unless she told the IRS, how would the government know to assess a penalty?

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