Kivulink
Straight answers, no jargon.
How independent agencies work, what it costs (nothing), and the situations we handle every week — in 10 languages.
Ibibazo bikunze kubazwa n'abashya
Ibisubizo ku bwishingizi n'imisoro ku bimukira n'Abanyamerika bashya — muri Texas no hanze yayo.
Ubu busemuzi bugitegereje isuzuma ry'umuryango. Niba hari ikidasomeka neza, tubwire.
Yego. Umuntu wese uri muri Amerika mu buryo bwemewe n'amategeko ashobora kugura gahunda y'ubuzima ya Marketplace. Ubufasha bw'amafaranga bushingira ku miterere y'ubwimukira n'amafaranga winjiza, kandi amategeko yahindutse mu 2026 — dusabe tugusuzumire imiterere yawe nyayo mbere yo kwiyandikisha.
Birashoboka. Kuva muri Mutarama 2026, ubufasha bw'inyongera bwo mu gihe cy'icyorezo bwarangiye, kandi ubu ukeneye amafaranga winjiza ari hejuru y'urwego rw'ubukene rwa leta kugira ngo ubone ubufasha ku bwishyu — no mu gihe cy'imyaka 5 yo gutegereza Medicaid. Isuzuma ry'ubuntu kandi ryihuse rikubwira icyo wemerewe ubu.
Guhera kuri gahunda za 2027, ubufasha ku bwishyu buzagenerwa gusa abenegihugu, abafite green card, abinjiye baturutse muri Cuba na Haiti, n'abaturage ba COFA. Impunzi, abahawe ubuhungiro, n'abafite TPS bazabura ubwo bufasha. Vugana natwe mbere y'iyandikwa ryo mu mpeshyi ya 2026 kugira ngo dutegure amahitamo yawe hamwe.
Akenshi, yego. Ibigo byinshi by'ubwishingizi bw'imodoka, ubw'abakodesha, n'ubw'ubuzima byemera ITIN aho gukoresha SSN. Gahunda z'ubuzima za Marketplace zisaba imiterere y'ubwimukira yemewe, atari SSN buri gihe. Itsinda ryacu rizakubwira neza inyandiko ikibazo cyawe gisaba.
Yego, akenshi. Ibigo byinshi dukorana byemera uruhushya rw'amahanga cyangwa urw'mpuzamahanga, nubwo ibiciro bitandukana. Zana uruhushya rwawe n'amakuru y'imodoka, tuzakubonera ibigo byemera imiterere yawe.
Texas isaba ubwishingizi bw'uburyozwe nibura bwa $30,000 kuri buri wakomeretse, $60,000 kuri buri mpanuka, na $25,000 ku byangiritse (“30/60/25”). Abaguriza bakunze gusaba ubwishingizi bwuzuye ku modoka zagurwe ku nguzanyo. Tugereranya ibigo kugira ngo wubahirize amategeko utarengeje ikiguzi.
Ukurikije amategeko ya leta ariho ubu, inkunga za Marketplace ubusanzwe ntizibarwa mu cyemezo cya “public charge”. Amategeko y'ubwimukira ashobora guhinduka; niba ufite dosiye itegereje, byemeze n'umunyamategeko w'ubwimukira. Dutegura impapuro ariko ntidutanga inama z'amategeko.
ITIN ni nimero y'iranga mu by'imisoro igenewe abatemerewe SSN. Niba winjiza amafaranga muri Amerika, ubusanzwe ugomba gutanga imisoro — ITIN ituma bishoboka. Dutegura ubusabe bwa ITIN (Ifishi W-7) tukanatanga imenyekanisha ryawe.
Ubusanzwe, yego. Ibigo byinshi biha ubwishingizi bw'ubuzima abafite green card n'abandi baturage bafite ITIN, aderesi yo muri Amerika, n'amafaranga binjiriza muri Amerika. Amahitamo atandukana bitewe n'ikigo n'imiterere ya viza; tugereranya ibigo byinshi kandi tugasobanura buri politiki mbere yo gusinya.
Ufite iminsi 60 uhereye igihe wabuze ubwishingizi kugira ngo wiyandikishe kuri gahunda ya Marketplace — ni Igihe Cyihariye cyo Kwiyandikisha. Duhamagare mu cyumweru bibayemo, atari ukwezi nyuma. Dusuzuma inkunga zawe tukakwandikisha, nta kiguzi cy'inyongera.
Yego. Abagize umuryango bemerewe bashobora kwiyandikisha n'ubwo abandi mu rugo batemerewe, kandi inyandiko z'ubwimukira zisabwa gusa ku bantu basaba. Buri muryango uratandukanye — itsinda ryacu risuzuma ikibazo cyawe kigasobanura amahitamo yawe neza.
Oya. Ibigo by'ubwishingizi byishyura abahagarariye bigenga ako kanya, bityo wishyura ikiguzi kimwe n'icyo wajya kwishyura ku kigo ubwacyo — ufite umujyanama ugereranya isoko ryose ku bwawe, mu rurimi rwawe, nta kiguzi cy'inyongera.
Amakuru y'ubwishingizi — ibiri guhinduka
Inguzanyo z'inyongera zarangiye kandi imbibi z'amafaranga winjiza zaragarutse, bityo ikiguzi cy'ingo nyinshi cyahindutse uyu mwaka. Isuzuma ryihuse rikubwira neza icyo wemerewe ubu.
Guhera kuri gahunda za 2027, ni abenegihugu, abafite green card, abinjiye ba Cuba/Haiti, n'abaturage ba COFA bonyine bazabona ubufasha ku bwishyu. Niba ibi bishobora kukugiraho ingaruka, vugana natwe mbere y'iyandikwa ryo mu mpeshyi ya 2026.
Idirishya rya buri mwaka ryo gutangira cyangwa guhindura gahunda z'ubuzima za Marketplace. Hanze y'izi tariki ukeneye ikintu cyihariye cyabaye mu buzima kugira ngo wiyandikishe.
Kubura Medicaid cyangwa ubwishingizi bw'akazi bifungura Igihe Cyihariye cy'iminsi 60. Ntutegereze — idirishya rifunga vuba.
Aya ni amakuru y'uburezi gusa — si inama z'amategeko cyangwa iz'imisoro. Amategeko arahinduka kandi ashingira ku miterere yawe. Vugana n'umujyanama wemewe ku byerekeye ikibazo cyawe.
Twandikire kuri WhatsApp — dusubiza mu rurimi rwawe.
Ibibazo byose biri hasi biri mu Cyongereza — cyangwa hamagara 832-775-2509 ubaze mu rurimi rwawe.
The full FAQ.
No. Insurance carriers pay independent agents directly, so you pay the same premium you would pay going to the carrier yourself — with the advantage of an advisor who compares the whole market for you. For Medicare plans specifically, carriers pay our fee and there is no extra cost to you.
No. Kivulink is fully independent and appointed with more than 50 national and specialty carriers across auto, home, commercial, life, health, and Medicare. We recommend the policy that fits your situation — not the one that pays the highest commission.
Yes — policy reviews are free. Our team audits existing coverage for gaps, overpriced premiums, and badly structured products, and we have corrected policies that were costing clients hundreds of dollars a month with little to show for it.
Yes. We prepare returns for ITIN filers, self-employed and 1099 workers, and mixed-status households, including ACA subsidy reconciliation on Form 8962. If you need an ITIN, we can help you apply.
Kivulink is licensed in 10 states — Texas, Tennessee, Arizona, Colorado, Indiana, Kentucky, Maine, Michigan, Ohio, and Wisconsin. Our office is in Houston, TX, and we serve clients remotely across all licensed states.