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SANOCHEMIA DIFS - Health Insurance Marketplace
Krankenversicherungsmarktplatz (Marktplatz) is a nationwide insurance stock market ( "marketplace") where individual persons and small companies search for and benchmark health protection. First and foremost, the market place is used as a website: www.healthcare.gov. Web applications and support for consumers are available through the 800-318-2596 Call Center or through a dedicated wizard.
Registration open for the health insurance marketplace: The open application for reporting in 2019 is from 1 November 2018 to 15 December 2018. Plants bought during the open registration will come into force on 1 January 2019. It is the only date to buy health insurance for 2019 unless you are qualifying for a specific registration deadline.
Buying covers in the health insurance marketplace: Every person or familiy can buy cover on the marketplace. No cover is available for illegals or undocumented migrants and detainees in the marketplace. If you do not wish to buy on the marketplace, the cover will still be available outside the marketplace during the open registration period.
Plants for sale outside the marketplace can be acquired through a licenced representative or directly from a healthcare provider. The benefits of the APTC and CSR are only available to those who are eligible for health insurance and buy it in the marketplace. If, however, you are not insured, if you bought an individually insured policy last year that will or will not be extended in 2019, or if you believe that your cover is insufficient or priceless, you can apply during the open registration process in the Marketplace to check the 2019 Health Care Blueprints and see if you are eligible for an APTC or CSR to help with the costs of cover.
Requirements for health insurance: Defining the "individual mandate" of the BCA demands that individuals take out health insurance or make a payment of a tax fine for the years 2018 and before. Beneficiaries may be exempted from payment of the non-insurance fine if they have only been insured for one or two month, have had difficulty financially, had religion or morality objections, are members of a Ministry of Health, or if in 2018 it would take more than 8.05% of their earnings to insure.
For more information on exceptions to compulsory health insurance, see the marketplace. PLEASE NOTE: From the planning year 2019 (for which you will submit tax in April 2020) the payment of joint responsibility will cease. Costs of cover in the health insurance marketplace: In order to apply for the cover and see the maps for sale on the marketplace, visit www.healthcare.gov.
Estimated premiums do not constitute an offering of cover on the marketplace. Assistance with cover costs on the health insurance marketplace: APTCs are available to support the costs of health insurance in the marketplace for those with an incomes between 100 per cent and 400 per cent of the federation's breadline who are not considered for other affordably priced cover.
Each year the Confederation's income threshold is adapted. Bundesarmut 2018 shall apply to the pension schemes acquired for the 2019 year. Costshare Reduction (CSR) is available to individual persons who buy a Silberplan on the marketplace and are up to 250% of the Swiss government's minimum income. Candidates for a CSR syllabus will have to bear lower retention charges such as lower retentions, co-payments and co-insurance.
Type of maps available on the marketplace: There are four levels of covering available on the market square: Advanced bronze level - This level must be between 56% and 62% of your anticipated health cost. When an extended plan meets at least one larger benefit, excluding prevention benefits, or meets the requirement for a highly self-sufficient health insurance scheme, it must provide between 56% and 65% of the anticipated health insurance outlay.
Bronzes Level - These level maps must pay 60% of the anticipated health outlay. The Silver Level - These schemes must meet 70% of the anticipated health outlay. Gold-level - These schemes must meet 80% of the anticipated health outlay. The platinum level - These schemes must meet 90% of the anticipated health cost.
There is an extra layer of funding available on the marketplace: a disastrous one. Contingency planning is only available to persons under 30 years of age or of any ages who have been granted certain exemption for cases of extreme hardship. However, the contingency planning is not available to them. Contingency planning usually has lower premium rates and higher retentions. The disastrous market blueprints include three main tasks per year and free prevention work.
Disastrous individuals are not entitled to receive government taxes to reduce their salaries. Plan for selling in the marketplace: For a list of maps by geographical area and model price sells in the Marketplace, see the DIFS' Company Premiums by Metal Level/Age comparative table. Costs for the cover of persons with pre-existing conditions:
A plan cannot refuse you cover, calculate more for you or require you to wait for cover because of an illness that already exists. Personal health insurance premium (both in the marketplace and outside) can only differ depending on the number of households, the geographical region you are living in, your old-age and your smoking habits.
Support with registration for cover: When you need personal consumer help in the marketplace, you can get support from local health insurance representatives, navigation experts and accredited applications consultants.