Cov kev hloov pauv loj rau kev them nqi tshuaj kho mob rau ntau dua 50 lab tus neeg tau txais txiaj ntsig tau tso npe rau hauv Medicare Tshooj D zoo li yuav nyob ntawm txoj kev vim txoj cai tshiab.
Txoj Cai txo nqi nce nqi "thaum kawg tau muab cov lus cog tseg uas Washington tau ua rau ntau xyoo rau cov neeg Amelikas ... Peb muab Medicare lub zog los tham txog cov nqi tshuaj noj qis dua," Thawj Tswj Hwm Joe Biden tau hais hauv lub Xya Hli hais lus tshaj tawm txog kev cog lus hauv Congress. kom dhau txoj cai.
Kev sib khom nqi tsis yog ib qho kev qhia hauv daim nqi uas tsom rau Medicare cov nqi kho mob. Kuj tseem muaj cov kaus mom tshiab ntawm kev siv nyiaj tawm hauv hnab tshos, txwv kev nce nqi ntawm cov nqi thiab cov nqi tshuaj, thiab ntau dua.
Biden tau kos npe rau tsab cai lij choj thaum Lub Yim Hli 2022. Qee qhov kev hloov pauv yuav pib siv rau xyoo 2023, thaum lwm qhov pib lig li 2026.
Nov yog qhov Medicare feem ntawm Txoj Cai txo nqi nce nqi yuav txhais tau rau koj.
Medicare yuav sib tham tus nqi tshuaj
Medicare yuav pib sib tham tus nqi kom tsim nyog tshuaj ntawm qhov uas nws tau siv nyiaj ntau tshaj plaws: 10 tshuaj hauv 2026, 15 tag nrho hauv 2027, 15 tag nrho hauv 2028 thiab 20 tag nrho txhua xyoo los ntawm 2029 rau.
"Txoj Cai Lij Choj txo nqi txo qis lub hom phiaj kim tshaj plaws, siv cov tshuaj siv ntau tshaj plaws uas tau nyiam kev sib tw tsawg thiab cov txiaj ntsig siab tshaj plaws," Sen. Kirsten Gillibrand, Democrat los ntawm New York thiab tus tswv cuab ntawm Senate Special Committee on Aging, tau hais hauv email.
Yav dhau los, Medicare raug txwv los ntawm txoj cai los ntawm kev sib tham tus nqi rau cov tshuaj noj.
Nws txhais li cas rau koj: Yog tias koj raug sau ib qho ntawm cov tshuaj nrog tus nqi sib tham, koj yuav tsum pom cov nqi txo qis txij li xyoo 2026. Koj yuav txuag tau npaum li cas nyob ntawm seb cov tshuaj twg koj noj thiab cov txiaj ntsig ntawm kev sib tham.
Tsis tas li ntawd: Biden's Inflation Reduction Act cog lus them se rau cov tsheb tshiab thiab siv hluav taws xob - ntawm no yog yuav ua li cas thov lawv tiag
Cov tshuaj sib tham yuav raug them los ntawm txhua txoj kev npaj
Medicare cov kev npaj tshuaj kho mob yuav tsum suav nrog cov tshuaj uas Medicare sib tham tus nqi ntawm lawv cov qauv.
Yav dhau los, Medicare tsis raug tso cai los teeb tsa cov qauv kev cai no.
Nws txhais li cas rau koj: Yog tias koj noj tshuaj nrog tus nqi sib tham, koj txoj kev npaj Medicare Part D yuav tsum them cov tshuaj ntawd.
Kev siv nyiaj tawm ntawm hnab tshos yuav raug them ntawm $ 2,000
Pib xyoo 2025, kev siv nyiaj tawm hauv hnab tshos rau Medicare Tshooj D cov tshuaj yuav raug them $2,000.
Lub kaus mom ntawd nce ntxiv nyob rau xyoo tom ntej raws li Medicare cov kev siv nyiaj txhua xyoo rau cov tshuaj them. Yog tias Medicare siv 5% ntau dua, piv txwv li, lub kaus mom rau 2026 yuav yog 5% siab dua: $ 2,100.
Yav dhau los, tsis muaj kev siv nyiaj tawm hauv hnab tshos rau Medicare Tshooj D.
Nws txhais li cas rau koj: Tom qab koj ntaus $ 2,000 tawm ntawm lub hnab tshos hauv xyoo 2025, koj yuav tsis tshuav nuj nqis ntxiv lossis them nyiaj npib rau cov tshuaj them rau lub xyoo tas los (koj tseem yuav tau them koj cov nqi them). Tom qab 2025, lub hau yuav siab dua tab sis tseem nyob ntawm qhov pib ntawm $ 2,000.
Kev pov hwm kev puas tsuaj yuav tsis xav tau nyiaj npib ntxiv lawm
Pib xyoo 2024, cov neeg tau txais txiaj ntsig yuav tsis them ib yam dab tsi tawm ntawm hnab tshos hauv Kev puas tsuaj theem ntawm Medicare Part D kev pab them nqi. (Hauv xyoo 2022, qhov ntawd txhais tau tias tom qab koj qhov kev siv nyiaj tsim nyog nce mus txog $ 7,050.)
Yav dhau los, cov neeg tau txais txiaj ntsig tau them 5% nyiaj npib thaum lub sijhawm no, nrog tsawg kawg ntawm $ 3.95 rau cov tshuaj siv tshuaj lossis $ 9.85 rau cov tshuaj muaj npe hauv xyoo 2022.
Nws txhais li cas rau koj: Yog tias koj mus txog qhov kev siv nyiaj ntau dhau ntawm lub hnab tshos tom qab pib xyoo 2024, koj tau ua tiav nrog cov nqi tawm ntawm hnab tshos rau Medicare Part D rau lub xyoo. Vim tias $ 2,000 tawm ntawm lub hnab tshos yuav pib siv rau xyoo 2025, qhov kev qhia no tsuas yog cuam tshuam rau xyoo 2024.
Tsis tas li ntawd saib: Xov xwm zoo txog kev pov hwm kev noj qab haus huv rau cov neeg tshaj 50
Tus nqi tshuaj nce tsis tuaj yeem tshaj tus nqi ntawm kev nce nqi
Pib xyoo 2023, cov tuam txhab tshuaj yuav tsum xa cov nyiaj rov qab mus rau Medicare yog tias lawv cov nqi rau feem ntau cov tshuaj uas tau them los ntawm Medicare nce sai dua tus nqi nce ntxiv.
Nws txhais li cas rau koj: Cov nqi them rau koj cov tshuaj noj yuav nce qeeb dua. Raws li kev txheeb xyuas Lub Ob Hlis 2022 los ntawm Kaiser Family Foundation, kwv yees li ib nrab ntawm tag nrho cov tshuaj uas tau them los ntawm Medicare tau nce nqi ntau dua li tus nqi ntawm kev nce nqi los ntawm 2019 txog 2020. Raws li txoj cai tshiab, cov kev nce no yuav tau txais txiaj ntsig zoo ntawm tus nqi nce nqi. .
Medicare Part D cov nqi nce ntxiv yuav raug txwv
Pib xyoo 2024, lub teb chaws tus neeg tau txais txiaj ntsig tus nqi them rau Medicare Part D cov phiaj xwm tsis tuaj yeem nce ntau dua 6% hauv ib xyoos.
Nws txhais li cas rau koj: Koj cov nyiaj Medicare Part D txhua xyoo yuav tsis nce sai npaum li lawv xav tau. Txawm li cas los xij, tus nqi them nyiaj hauv lub tebchaws tsuas yog ib feem ntawm qhov koj them tiag tiag. Koj cov nqi them kuj tseem yuav txawv raws qhov chaw, tuam txhab pov hwm thiab phiaj xwm.
Cov nqi tawm ntawm hnab tshos rau insulin yuav raug them
Pib xyoo 2023, tus nqi tawm ntawm hnab tshos txhua hli rau cov khoom siv tshuaj insulin yuav raug them $35. Kev txiav tawm yuav tsis siv rau cov khoom lag luam insulin.
Nws txhais li cas rau koj: Koj txoj kev npaj yuav tsis tuaj yeem xav tau ntau dua $ 35 toj ib hlis hauv kev them nyiaj npib lossis cov nqi them rau cov khoom siv tshuaj insulin, txawm tias koj tseem tsis tau ntsib koj qhov Medicare Part D txiav tawm.
Cov Nyiaj Pab Ntxiv Ntxiv tag nrho yuav muaj rau cov neeg tau txais txiaj ntsig ntau dua
Pib xyoo 2024, cov tib neeg uas muaj nyiaj tau los txog li 150% ntawm tsoom fwv qib kev txom nyem, los yog FPL, yuav tsim nyog tau txais tag nrho Medicare Part D cov nyiaj tau los tsawg, tseem hu ua Medicare Extra Help.
Yav dhau los, cov nyiaj pab tag nrho muaj nyob ntawm 135% ntawm FPL, thiab cov nyiaj pab ib nrab muaj nyob rau ntawm qhov swb ntawm 136% thiab 149% ntawm FPL.
Nws txhais li cas rau koj: Yog tias koj cov nyiaj tau los qis dua 150% ntawm FPL (hauv 2022, qhov ntawd yog $ 20,385 rau ib tus neeg nyob hauv 48 lub xeev sib txuas) thiab koj cov peev txheej qis dua qhov yuav tsum tau ua, koj tuaj yeem tsim nyog rau tag nrho Cov Nyiaj Pab Ntxiv los pab them rau koj Medicare Nqe D.
Tsis tas li ntawd saib: Kev Nyab Xeeb Kev Nyab Xeeb yog nyob ntawm txoj kev hla lub caij xaiv tsa no - thiab cov neeg pov npav laus muaj hwj chim loj
Cov tshuaj tiv thaiv rau cov neeg laus yuav tsis muaj qhov yuav tsum tau sib faib nqi
Pib xyoo 2023, yuav tsis muaj kev txiav tawm, nyiaj npib lossis lwm yam kev cai sib faib nqi rau cov tshuaj tiv thaiv rau cov neeg laus uas muaj nyob hauv Medicare Tshooj D.
Nws txhais li cas rau koj: Koj tuaj yeem tau txais cov tshuaj tiv thaiv los ntawm Medicare Part D yam tsis muaj nqi tawm hauv hnab tshos.
Ntau ntawm NerdWallet
Alex Rosenberg sau rau NerdWallet. Email: [email tiv thaiv]. Twitter: @AlexProsenberg.
Tau qhov twg los: https://www.marketwatch.com/story/9-ways-the-inflation-reduction-act-affects-medicare-coverage-and-what-it-means-for-you-11660930589?siteid=yhoof2&yptr= yahoo