Kuchinja kwehutano kwehutano chinhu chakakosha, chinosanganisira zvinhu zvakawanda zvakasiyana. Kana iwe wakashanda mune zvehutano kwenguva yakati, kunyanya semupiki kana mukuru, iwe unogona kunge uchizvinzwisisa izvi. Kana iwe uri mutsva kumashandiro ezvehutano, kana kuti iwe usati wamboshanda mune utano hwakanaka, izvi zvingakubatsira iwe kunzwisisa dzimwe pfungwa dzehupenyu hwehutano hwekugadzirisa nyaya.
Vanhu vazhinji, kusanganisira vezvematongerwe enyika, vakuru vehurumende, vashandi vezvehutano, uye vagari venyika, vanofunga kuti hurongwa hwehutano hwehutano muUnited States hunoda kupedzisa zvakakwana. Vamwe vanofunga kuti kune nzvimbo chaiyo yekuvandudza, asi hutano hwehutano hahufaniri kuchinjwa zvachose.
Zvinangwa zvehutano hwezvehutano
Zvinangwa zvekutanga zvehutano hwezvehutano zvinosanganisira:
- Ipa hutano hwehutano hwevanhu vose (ikozvino uninsured) veAmerica pasi rose
- Kuderedza mari yehutano hwehutano uye kubhadhara
Inonzwika sepfungwa huru, yakarurama? IUnited States ine mari yakakwirira kwazvo yehutano, uye isu tinewo mamiriyoni evanhu vasina kuvimbiswa. Saka zvinoita sezviri pachena kuti tinoda kupa rubatsiro rwevose, uye kuderedza mari. Zvisinei, izvo zvinangwa zviviri hazvirevi hazvo.
Inishuwarenzi Options
Vanhu vakawanda vanoita inshuwarheni vanochengetedzwa nehurumende kuburikidza nevanoshandira, nekambani yehutano inshuwarisi.
Vamwe vashandi vanobhadhara izvi zvakapetwa zvizere, asi vamwe vashandi vanogovera mari kune vashandi. Vamwe vanhu vanozvishanda kana vasingashandi vanofanira kubhadhara mari yavo yehutano inshuwarisi yekubhadhara nekubhadhara premium yemwedzi. Vanhu vanopfuura makore makumi matanhatu nevashanu vanofanirwa kuronga hurongwa hwehutano hwehurumende hunonzi Medicare , iyo inobhadharwa kazhinji nemitero uye mamwe hupfumi hurumende.
Medicaid imwe hurongwa huripo huripo hurumende hunosimbisa avo vari varombo zvikuru kuti vasawane yavo inshuwarisi. Uyezve, kune zvirongwa zvehurumende-zvinotsigirwa nehurongwa hwehurumende uye zvirongwa zvevana zvekuvharazve vamwe vagari venyika vangave vasina kukwanisa kuwana hutano hwehutano inshuwarheni. Zvisinei, kune mamiriyoni eAmerica asingakodzeri chero ipi zvayo yezvirongwa zve inshuwarisi.
Vanhu vazhinji vanofunga kuti kupa mishonga yehutano kune mamiriyoni evanhu avo iye zvino vasina uninsured kunokonzera kuti hutano hwehutano huwedzerwe, zvichiita kuti nguva refu ichengetedzwe uye vakashanda zvakanyanya.
Kurera Utano Hwakawanda
Kurasikirwa mari yehutano hwehutano ndeimwe imwe huru yekuedza. IUnited States ine hutano hwakanaka hwehutano asi inewo humwe hukuru hwehutano hwehutano. Mishonga uye teknolojia muAmerica zvakanyanyisa, uye zvinouya nebhadharo, kwete zvishoma zvayo kutsvakurudza uye kubudirira, zvakadai semakiriniki maedzo uye kuongororwa kwebazi. Kuderedza kudhura kwehutano kunogona kuva chinhu chakanakisisa, asi kwete kana mari inoderedzwa pamutengo wevanorapa makiriniki, kana emakambani anovandudza mishonga yekurapa mishonga uye teknolojia yatinofarira muUnited States.
Zvizhinji zvinokonzera kubhadharira kwakanyanya kwehutano hwevanhu izvo vanhu vasingawanzofunga.
Semuenzaniso, mitemo yezvokurapa zvisina kukodzera mune dzimwe nzvimbo inogona kuita kuti pave nehutano hwakawanda hwekutarisira. Munzvimbo dzinotyisa, kuwedzera mari yekushaya mari yveshuwarenzi yakagadzirirwa muchero wevakirini uye zvipatara, avo vanozofanira kupedza mari iyo kune varwere. Mukuwedzera pakusimudza kushandiswa kwemishonga inshuwarisi mari, kutya kwekutongwa kunoita kuti vanachiremba vazhinji vatarise miedzo isingakoshi kuti vazviise ivo pachavo. Iyi miedzo yakawedzerwa inobatsirawo kubhadhara kwakanyanya kwehutano. Kana chiremba achiita chikanganiso chisina hanya, iye anofanira kuripa; zvisinei, dzimwe nguva kusagadzirisa zvipfeko zvinosungirirwa zvakasununguka kana zvisina kufanira zvinoita kuti pave nehutano hwepamusoro.
Healthcare Efficiency
Saka tinovandudza sei utano hwakanaka? Imwe nzira ndeyekuedza kuita kuti ibudirire. Zvichida kushandisa magwaro emakemikari emagetsi (EMR) ndiyo mhinduro yekuita kuti utano hwehutano huve hunobudirira. EMR inogona kubatsira, asi kune mari inobatanidza nekusimudzira, kushanda, nekuchengetedza EMR system inoshanda zvakanaka. Muna 2009, Mutungamiri Obama akatumira kushandiswa kweMEM mune maitiro echiremba kuitira kuti bhora rifambe munzvimbo ino. Vazhinji vezvematongerwo enyika nevatungamiriri vehurumende vari kuedza kuwana dzimwe nzira dzekuita kuti utano huve nani, zvichidaro kuderedza mari dzayo.
Kuwedzera Healthcare Coverage
Nokuwedzera kugoverwa kune vose, kusanganisira mamiriyoni ezvipo zvisingaverengeki, vamwe vanotya kuti izvi zvingatungamirira kurongwa humwe chete, uye zvino tava nechisarudzo chimwechete - hurumende. Panguva iyoyo, taizove tine nzira yakafanana neyeEurope neCanada. Vakawanda vanofunga kuti izvi zvingava chinhu chakanaka kuMelika. Vamwe vanofunga kuti izvi zvingaita kuti hutano hwekutarisira huderere (sezvazviri mune dzimwe nzvimbo umo hutano hwehutano hunowanikwa), uye hunokonzera nguva refu kwenguva refu (mwedzi mitanhatu kusvika pagore) mukurapa.
Izvo zvataurwa pamusoro apa ndezvishomanana zvemashoko akakurumbira anobatanidzwa mukugadzirisa kwehutano hwehutano. Saka kana kuchinja kwehutano kuchigadziriswa, zvingakanganisa sei mararamiro ako? Izvo zvinobva pane izvo chaizvo zvinoitwa. Asi vazhinji vanobvumirana kuti kushandiswa kwehutano hwehutano kwaizoita kuti kuwedzerwa basa rakawanda nenzira dzakasiyana siyana, zvichienderana nepamusoro pekuwedzera mitemo uye nemumwe mutoro wevarwere kubva kumamiriyoni evanhu avo vangangoerekana vava inshurenzi.
Kana hurongwa hwehutano hwehutano huripo hunoisa vatsigiri vega voga kunze kwebhizimisi, saka chaizvoizvo vanachiremba vose nevarapi vezvokurapa vangadaro vachishandira hurumende yeUnited States panguva iyoyo. Zviri pachena kuti izvozvo zvingaderedza zvaunosarudza kune vashandirwi, nokuti hurumende ingadai iri kutonga zvose zvehutano, sezvinoitwa muCanada neEurope, uko vanachiremba vose nevashandi vehutano zvino vari kushandira hurumende.
Sezvo iwe zvichida unogona kuona nenyaya dzataurwa pamusoro apa, hutano hwehutano hwezvehutano ihwo hutambo hwakawanda hunoparadzaniswa uye hunenge husingambove nehumwe sarudzo yakajeka.