Health Insurance Co-Ops Usatevera Pfuma
Health Insurance co-ops (makoperative) zvipo zvekubhadhara hutano izvo zvinopa hutano hwehutano pazvishoma zvakaderera apo uchienderera mberi kukwikwidzana nemamwe makambani einishuwarenzi .
Pakukurukurirana nezvehutano hwehutano hwehutano, uye pavanenge vachitsvaga nzira dzakanakisisa dzekugadza hutano hwakanaka hwehutano kune vose veAmerica, kukurukurirana kwakaitika pamusoro pekuvandudzirwa kwehutano hwehutano co-ops, iyo inonziwo hutano yemishonga yveshuwarisi.
Health Health Insurance Co-Ops Inoshanda Sei?
Co-ops ndeyevanhu vane inshuwarisi navo. Nokudaro ivo vanonzi "nhengo-iyo." Zvechokwadi, utano hwehutano u-co-ops ndiwo masangano ehutano yehutano ane varwere vavanovimbisa. Izvo zvinoumbwa nezviuru zvemitezo, zvinoreva kuti mari yekutarisira inopararira kune vose avo. Sezvo co-ops isingadi kufanirwa nehuwandu, mari yavo ndeyechokwadi mari, uye haigamuchirwi nemari yehutungamiri. Uyezve, nokuti co-ops chete inounganidza zvavanopedza, havana mutoro wemitero, iyo inochengetedza mari kunyange yakaderera.
Co-Op Member
Imwe nzira yekunzwisisa ma-co-ops ndeyekufunga nezvekweretheni yechipato iyo inowanikwa nhengo. Sezvo nhengo dzaro dziri kuisa mari mumitemo yayo, uye sezvo isiri kuedza kudzorera purogiramu, nhengo dzinogona kuwana mhinduro dzakanaka pakuchengetedza kwavo, kana kuti zviri nani kubhadharwa nezvezvikwereti, nokuti mari yekutarisira iri pasi uye hapana mutero wemitero.
Inishuwarenzi yehutano co-ops inenge iripo mune dzimwe nyika kudarika United States. Vanowanzoumbwa nevashandi vane chimwe chinhu chakafanana; somuenzaniso mapoka evarimi muCalifornia kana mapoka emabhizimisi mashoma muMinnesota. Kunewo mamwe maitiro einishuwarenzi co-ops yakadai semotokari yemotokari kana veimba inishuwarenzi.
Inishuwarenzi co-ops inogona kukurudzirwa nemhando ipi neipi yesangano. Nyika, hurumende, kana masangano emunharaunda aigona kukurudzira kushandiswa kwehutano inshuwarisi. Chipatara chinogona kutanga imwe. Mubhii mukuru angatanga imwe. Zvakare, funga nezvemarudzi ose emakambani emakambani aripo uye iwe uchava nemafungiro ekuti inshuwarisi yehutano co-ops ingasimbiswa sei.
Pros Health Health Co-Ops
Iko inonyanya kukosha yehutano inshuwarano co-ops ndeyekuti, sezvo iyo inomiririra zviuru zvemamiriyoni, vane simba rinokurukura rekutaurirana nevanopa, kuchengeta mari shoma kupfuura munhu (yega) inshuwarisi inenge iri. Kuwedzera kwekuchengetedza kunobva pakusabhadhara kwekutsvaga purogiramu uye yavo isiri mitero.
Cons ye Health Insurance Co-Ops
Chimwe chinhu chinonyanya kukosha kuhutano hwehutano inshuwarano inonzi co-ops ndechokuti mune dzimwe nyika, co-ops haafaniri kutevedzera mitemo yakafanana nemitemo iyo vatsigiri vega voga vanofanira. Iko kubatana kunopera nemari, pangasave nemhando imwechete yekuchengetedza panzvimbo ino kuti ave nechokwadi kuti avo vakapinda muchibvumirano vaizokwanisa kuva nehutano hwavo hunodiwa.
Kuvandudzwa kwehutano hwehutano hwehutano hwehutano huri nehutano hwehutano hwehutano
Inishuwarenzi yehutano Co-ops yakapiwa zita idzva kuti riende ne "co-op" chinyorwa.
CO-OP ikozvino inomirira Consumer Operated uye Oriented Plan.
Mutemo mutsva unobatsira kusikwa kwe "utano husingabatsiri hwehutano inshuwalisi" kuti upe zvirongwa zvehutano zvakakodzera mumakambani ega uye madiki mashoma (Chikamu 1322).