Pamusoro penyika yepamusoro-soro, chirwere chekare chiripo chiri chiremba iwe waunayo usati wabvunza kuti utano hwehutano huripo. Mamiriro akambovapo-akashandiswa kuti ave chipingamupinyi pakuwana kugoverwa mumunhu wehutano inshuwarisi yemisika, asi ACA yakachinja izvozvo.
Nei Zvichimboitika-Zvimwe Zvichida Zvichishandiswa Kuti Zvive Basa Guru
Asati Asingakwanisi Kutarisira Mutemo , pane dzimwe nguva, mubhadhari angaramba kukutengesa iwe inshuwarisi yehutano kana iwe wakambove uripo.
Mune dzimwe mamiriro ezvinhu, mubhadhadziro haazobvumi mamiriro ako ezvinhu aimbovapo kubva pahutano hwehutano inshumo. Izvi zvaizivikanwa sehutano hwakagara huripo husina kubviswa .
Mune zvimwe zviitiko, iyo inshurensi ingadaro yakabvumirana kuvhara mamiriro ako ezvinhu aimbovapo, asi ingadai yakakupa mari mikuru yepamusoro yepamusoro pekuvhara iyo kudarika iwe waizokweretwa nokuda kwekugoverwa kumwechete pasina mamiriro akambovapo. Iyi nzira yakagamuchirwa nevatsigiri vekambisi sezvo nguva yaipfuura, nokuti yakange iri nyore kutonga pane kusabvisa mamiriro ezvinhu aimbovapo.
Kuva nehuwandu huripo huripo hwakadai sehuwandu hwehutachiona husingawanikwi kubva kuhutano hwehutano hwehutano hwaive chinhu chikuru pane kungobhadhara iwe pachako kuwedzerwa ropa remapiritsi. Izvo zvakagara zviripo kuregererwa zvingave zvisingabatanidzi zvakanyanya kupfuura iyo iyo imwe chete yaimbovapo yaivepo kubva pakugoverwa. Iyo inogona kuisa kunze kweimwe mimwe mimwe mitemo yakagadziriswa semugumisiro wemamiriro ako akagara akambovapo.
Somuenzaniso, kana musarudzo yenyu isati yavapo yaive yakakonzerwa nehutano hwepamusoro yeropa uye iwe wakanga uine chirwere chepfungwa nemhaka yekuwedzerwa kweropa rako, kambani ye inshuwarisi yehutano inogona kuramba kubhadhara kurapwa kwako. Zvingareva kuti, sezvo chikwata chako chaive chikonzero chaicho chekuregererwa kwehuwandu hwemhepo, chirwere chacho chakanga chisina kubviswa kubva pakuvhara.
Chiripo chiripo chiripo chekuregererwa chakaita kuti zvive nyore kune vanhu vane mamiriro ezvinhu akareba asati avapo kuti vawane utano hwehutano huripo hwema premium anonzwisisika. Kazhinji, vaisagona kuwana kugoverwa zvachose. Kana vakakwanisa kuwana ruzivo, rwakanga ruchidhura zvikuru uye / kana kuti rusina kutarisana nemamiriro avo ezvinhu akambovapo.
Muna 1996, HIPAA , Health Insurance Portability uye Accountability Act, vanoisa zvishoma apo vatsigiri vehutano vakabvumirwa kusabvisa mamiriro ezvinhu akambovapo uye kuti nguva yakareba yekuregererwa ingave yakadini mune dzimwe nguva. Dzidza zvakawanda pamusoro peizvi . Zvisinei, HIPAA kuchengetedza kunyanya kushandiswa kune vanhu vanoda kutsvaga pasi pevashandi-vanoronga zvirongwa.
Mune misika yemumwechete (kugoverwa kwaunenge wazvitengera iwe pachako, panzvimbo yekuwana kubva kumabasa) mamiriro ezvinhu akambovapo aive achiri dambudziko guru kune vanobvunza mune dzimwe nyika pamberi pegore ra2014. Zvaive zvakaoma, zvinodhura, uye zvisingaiti kuwana inshuwarhu yehupenyu rinovhara mamiriro ezvinhu akambovapo uye chero imwe mimwe inogona kunge yakabatana.
The Affordable Care Act uye Zvirongwa Zvisati Zvavapo
Muna 2014, iyo Affordable Care Act yekuchengetedzwa kwevatengi yakagadzirirwa. Zvino, nekuda kweAffordable Care Act, vatsigiri vezvehutano muUnited States havagoni kutora nhoroondo yehutano yenyu mukufunga kana vachida kukutengesa iwe mukuru-mushonga, wakazara utano hwehutano inshuwariti
Haikwanise kuisa mamiriro ezvinhu akagara akambovapo kubva pakuvhara, uyewo haagoni kukubhadharira zvakawanda nokuti une mamiriro akambovapo.
Izvi zvakaita kuti zvive nyore nyore kune vanhu vane mamiriro ehutano huripo kuti vatengese mumwe inshuwarisi yehutano, kushandura mabasa, kubvisa basa risati rava kukodzerwa neMedare , kana kuti vazviratidze ivo pachavo semudzidzi wemabhizimisi. Vanhu havachafaniri kushungurudzika kuti ivo vanofanirwa kuongororwa kubva pakusakanganisika.
Inishuwarenzi yehutano inotengeswa pamusoro pehutano hwehutano hwehutano hunosimbiswa neHomes Affordable Care Act inogadziriswa nyaya , zvinoreva sangano re inshuwarisi yehutano haigoni kukutengesa iwe hutano hwehutano huchitsvaga chero bedzi iwe uchikumbira kugoverwa ikoko panguva yekunyora kwegore rose.
Izvozvowo ndezvechokwadi kune mumwe munhu mukuru wehutano hunotengeswa kunze kwekutsinhanisa , iyo inofanirawo kuva ACA-inogamuchirika.
Ndeipi Rinozonyorwa Rakabatanidzwa paUtano Inishuwarenzi?
Kana ACA Ichitsvaga, Mamiriro Ezvinhu Anotangira Achange Aine Chinetsozve?
Musi waMay 4, 2017, Republicans muUnited States House of Representatives vakapfuura neAmerica Health Care Act (AHCA) uye vakatumira kuSeneti. Asi pasinei nekuunza kusiyana kwakasiyana-siyana kwebhadharo, Senate Republicans vakakoniwa kuunganidza rubatsiro rwakakwana kuti vapfuure chero ipi zvayo.
Shanduro yekutanga yeAHCA ingadai yakachengetedza maitiro ekudzivirirwa kwemamiriro ezvinhu, asi MacArthur Amendment yakashandura mutemo wekubvumidza nyika kuti ichengete mamwe ACA ekuchengetedza vatengi. Zvinonzwisisika, inotaura kuti ingadai yakwanisa kubvumira vatsigiri vekubhadhara mari yepamitengo yakakwirira mumusika mumwe nomumwe apo uyo anenge aine mukana akave nemamiriro ezvinhu aimbovapo uye akanga asina kuramba achienderera mberi kwemwedzi gumi nemaviri asati atanga kupinda muurongwa hutsva.
Iyo MacArthur Amendment muAHCA ingadai yakabvumira nyika kuti dzichinje tsanangudzo yezvinodiwa zvehutano hunokosha , saka zvirongwa zvekugadzirira zvingatengeswa. Izvo zvingave zvakashata zvakakonzera vanhu vane mamiriro ezvinhu akambovapo, sezvo zvirongwa zvinosanganisira kugoverana kwemamiriro avo zvingave zvisingachawaniki kana kuti zvinodhura zvakadhura.
Shanduro shanduro yemutemo yakatangwa muna 2017 yakatora nzira dzakasiyana-siyana kune nyaya yezvakaitika kare. Nenzira yakawanda, nepo hurukuro yekutaura yaive yakawanda yokuti vanhu vane mamiriro ezvinhu akambovapo vaizochengetedzwa, chokwadi chakanga chiri chokuti vangasave. Nyaya inowanzozivikanwa ndeyekupa nyika dzimwe shanduko yekushandura tsanangudzo yezvakakosha zvehutano, kana kubvisa kupa ACA mari yezvematongerwo enyika uye kuvabvumira kuti vabudirire mhinduro dzavo.
Nguva yacho yakabuda paya kuyananiswa kwebhajhoji muna 2017 musi waSeptember 30, uye pamwe nayo, mukana wokubvisa ACA nehuwandu hushoma muSeneate. Asi vatongi veRepublican vakapikira kuedzazve muna 2018 kuti vadzivise ACA, uye hazvisi pachena kana vachazobudirira.
Kurega kusati kwavapo kwekuchengetedzwa kwemamiriro ezvinhu kunotyisa kune vanhu vakawanda, sezvo kudzivirirwa ikoko kunowanzova imwe yeAcA inonyanya kuzivikanwa. Asi zvakare chimwe chinhu chakaita kuti purogiramu iwedzere mumusika mumwe nomumwe, uye vamwe vateereri vanoda kuda kuona kudzivirirwa kwakasimba kwevanhu vane mamiriro ezvinhu akambovapo, mune zvekutengesa kukonzera mari yepurayamisi yakawanda.
Zvakawanda zvinoramba zvichiri kuonekwa nezveramangwana reAACA, uye nyaya yezvakaitika kare inogona kuuya zvakare munguva yemberi iri mberi. Asi kwenguva iyo iri, zvose zvekudzivirira kwevatengi zve ACA zvinoramba zvakakwana munzvimbo. Vhura kusungirirwa kwekugoverwa kwe 2018 kunotanga munaNovember 1, 2017 uye mune dzimwe nyika, ichapera musi waDecember 15, 2017. Iyi ndiyo mukana wako wekutenga mumwe wekutengeserana kwemakethe, uye nhoroondo yako yezvechiremba haisi iyo inokonzera kukodzera kwako kana kuti yako yepamusoro.
> Sources:
> Dhipatimendi reZvipatano neHuman Services, Kodzero Dzako Pasi peHIPAA.
> Healthcare.gov. Verengai Mutengo Wakanaka Wenyu.
> Dzimba Dzimba dzeMagetsi neZorhwebo, MacArthur Amendment kune HR 1628, Chikamu neChikamu Chikamu .
> Kaiser Family Foundation, Health Insurance Market Reforms: Chigadziriswa Issu e. June 2012.
> Kaiser Family Foundation, Summary of the American Health Care Act, May 2017.