Chii Chinojekesa Zvaunotora uye Zvine Average American Country
Zvakawanda zvekugadzirisa kwezvehutano pamusoro pehutano hwehutano muUnited States zvakatarira kune mari yehutano inshuwarheni, iyo isingakwanisi kuwanda kwevaAmerica.
Zvisinei, Mutano Kudzivirirwa uye Affordable Care Act yakasayirwa mutemo musi waMarch 23, 2010, inowanzosvika kuhutano hwehutano inshuwarheni uye inovimbisa kuti vose veAmerica vanoda kugoverwa vachakwanisa kuwana inshuwarhu yehutano.
Hazvisi pachena kuti mutemo unobata sei mari yekuishuwarenzi yehutano, kunyanya zvikwereti uye kunze kwemari. Zvichida mari inoramba ichingowedzera kune ramangwana rakatarisika.
Iko inshuwarisi yehutano yakawanda ichakubhadhara iwe zvichienderana nezera rako, mamiriro ehutano hwako (huri hutano kana husina hutano iwe uri), kupi munyika yauri kurarama, mari yako, uye basa rako.
Pane nzira dzakawanda dzokuti iwe unogona kuwana inshuwarano yehutano, uye izviwo zvinokwanisa kusarudza kuti muchabhadhara zvakadini. Izvi zvinosanganisira:
Inishuwarenzi yehutano inopiwa neanoshandira. Makambani makuru uye makuru mukati meUnited States anopa inshuwarhu yehutano sevashandi vanobatsirwa. Vakawanda veAmerica vane inshuwarisi yehutano vanoiwana kubva kune kambani yavanoshanda.
Inishuwarenzi yehutano yaunotenga iwe pachako. Kana iwe uri wekuzvidzivirira kana kushanda kwekambani duku isingapei inshuwarisi yehutano, iwe unoda kutenga inshuwarisi.
Inishuwarenzi yehutano inopiwa nehurumende. Kana iwe uri 65 kana kupfuura, wakagadzikana, kana uine zvishoma kana usina mari, iwe unokwanisa kukodzera inshuwarhu yehutano inobhadharwa nehurumende, yakadai seMedare and Medicaid.
Chii Chine Utano Inishuwarenzi Inosanganisira?
Kune zvinhu zvakawanda zvinotarisa kuti utano hwako hutano huchakubhadhara sei mwedzi woga woga.
Premiums
Imari yepamusoro inowanikwa pamwedzi unobhadhara kambani ye inshuwarisi kana chirongwa chehutano kupa hutano hwehutano, kusanganisira kubhadhara zvirongwa zvine chokuita nehutano zvakadai sechiremba anoshanyira, chirwere chechipatara, nemishonga.
Kana iwe uine inshuwarisi yakabasa basa, iwe waunoshandira anobhadhara premium yemwedzi. Kazhinji kacho, kambani yako inoda kuti iwe ubhadhe chikamu chemari yepuraimari yemwedzi, iyo ichaderedzwa kubva pamari yako. Kana iwe uri kuzvipira iwe pachako kana kutenga yako yehutano inshuwarisi , iwe unobhadhara mwedzi wose wemwedzi.
Pasinei nokuti unowana inshuwarhu yehutano kubasa kana kutenga yako inshuwarisi, yako yepamusoro inogona kunge iri yakakwirira kana yakaderera zvichienderana nehupi urongwa hwehushuwaruri hwaunosarudza. Zvirongwa zvine zvakakwirira zvekunze (zvakaderedzwa, kubhadhara, uye kubhadharwa) zvinowanzova nezvikwereti zvakaderera uye zvirongwa zvine mari shoma shoma dzine mari yakakwirira. Uyewo, urongwa hwehutano (hwakafanana neHMO ) hunokuda kuti ushandise ruwaya rwechiremba uye zvipatara kazhinji une purogiramu yakaderera. Iwewo uchabhadhara zvakawanda kune inshuwarano yehutano inobatanidza nhengo dzemhuri yako.
Kana iwe uchitenga inshuwalisi yega yega (kana mamwe mhuri), miriyamu yako ichava yakakwirira kune iwe mukuru iwe, kana iwe uri wekushanda mune rimwe "dambudziko" basa (rakafanana nomudzidzisi wezindiza), kana kuti uve nechirwere chisingaperi (yakadai sorudzi rwechipiri chirwere cheshuga kana kuti kuwedzerwa kweropa)
Zvinyorwa-zve-Pocket Imari
Kunze kwehomwe yezvokubhadhara ndizvo zvaunobhadhara nokuda kwehutano hwakabatanidzwa nemuhutano kumusoro uye kupfuura kwepamu yako yepamwedzi. Zvichienderana neurongwa hwehutano hwako, izvi zvinosanganisira kushandiswa kwegore negore, co-inshuwarisi, uye zvikwereti zvekushanyira chiremba uye mishonga yemishonga.
Deductible : Dhatucheka ndiyo mari yaunofanira kubhadhara kunze kwehomwe gore rimwe nerimwe nekuda kwehutano hwakabatanidzwa mari yako isati yawana inshuwarisi inotanga kuripa. Deductibles inowanikwa muPPOs yehutano hwehutano hwakagamuchirwa kunze kwenhare yePPO. Kana uine Medicare, iwe unogona kunge uchibhadhara mari inobhadharwa yezvipatara uye imwe yakatsaurwa yemishonga pasi pe Medicare Part D.
Coinsurance : Inishuwarenzi yehutano inoda kuti iwe ubhadhe chikamu chemari yehutano hwehutano hwakabatanidzwa mushure mekunge wawana gore rako rekudzikinurwa. Izvi zvinozivikanwa sekuti coinsurance uye kazhinji kazhinji inenge 20% yehutano hwehutano hwako hunobvumira.
Semuenzaniso, Mr. Jones ane chirongwa chehutano hwemhuri pamwe ne $ 500 gore rokubviswa uye 20% coinsurance. MunaFebruary, mudzimai wake nevana vaviri vakagadziriswa. Mr. Jones akabhadhara chiremba wezvibasa izvi, izvo zvakadhura madhora 510. MunaMarch, mumwe wevana vakarwara uye mari yekushanyira hofisi yaiva $ 50. Sezvo gore rakapedzisira rawanikwa, chirongwa chehutano chakabhadhara chiremba $ 40 (80%) uye Mr. Jones vakabhadhara chiremba $ 10 (20%).
Copayment : Kubhadhara chikwereti mari yakazara, kana mari yakatarwa yaunofanira kubhadhara kune imwe nzvimbo yehutano yakabatana. Mipayipi inowanzove yakawanda muzvirongwa zvekuchengetedza zvakanaka (zvakadai seHMOs uye PPOs) uye muzvirongwa zvezvinodhaka zvakadai seMedicare Part D.
Semuenzaniso, zvinowanikwa pamapayipi ndeye $ 20 kuti chiremba ashanyire, $ 50 yekushanyira mukamuri yekukurumidzira, uye $ 10 kusvika $ 40 pamishonga yemishonga (zvichienderana kana mishonga yako ndeyechirwere chechirwere kana zita remishonga ).
Ivhareji yeAmerica Inobhadhara Utano Inishuwarenzi?
Uyu mubvunzo wakaoma kupindura. Vanopfuura mamiriyoni 85 eMelika vanowana inshuwarhu yehutano kuburikidza nehurumende, kusanganisira Medicare, Medicaid, veterans 'kubatsira, uye zvehondo (zvose zviri kushanda pamwe nevatorwa). Pari zvino, vanopfuura mamiriyoni makumi mashanu veAmerica havana inshuwarisi yeutano.
Vazhinji veAmerica vane hutano hwehutano vanohuwana kubva kune avo vanoshandira uye vanopfuura 26.5 Mamiriyoni veAmerica vanofukidzwa nemarongwa ega ayo akatengwa zvakananga kubva kune kambani yveshuwarenzi.
Mutsara (Individual Health Insurance 2009: A Comprehensive Survey of Premium, Availability, uye Benefits) yakaitwa munharaunda munaOctober 2009, America Health Health Plans (boka rezvematongerwo enyika rinomirira zvirongwa zvehutano) rakapa mamwe mashoko anopa pfungwa yehupi yveshuwarhu yehutano Mutemo unobhadhara kana uchitengwa nomunhu.
- Pakati payo, purogiramu yegore negore yaiva $ 2,985 kune munhu mumwe chete uye $ 6,328 pamhuri.
- Purogiramu yegore negore yakasiyana kubva kune imwe nyika kuenda kune imwe nyika. Semuenzaniso, purogiramu yeurongwa hwehutano hwemhuri muNew York yaiva $ 13,296, asi chirongwa chakafanana muIowa chaiva $ 5609.
- Purogiramu yegore negore yehutano hwehutano hwakanga yakasiyanawo zvichienderana kana gore rinenge rawanikwa rakakwirira kana rakaderera. Semuenzaniso, mhuri inoronga pasina deductible yaive nemari yepamusoro ye $ 12686 gore rega rega, apo zvirongwa zvegore negore zvakabhadharwa madhora gumi nemazana gumi nezviviri zvaive nemari yepamusoro ye $ 5380 gore negore.