Kunzwisisa Dunhu Rako Rakakwirira Dambudziko
Vazhinji vekuAmerica vanowana inshuwarhu yehutano kuburikidza nevanoshandira uye vamwe vazhinji vanyoresa muhurongwa hwehurumende dzakadai seMedicaid , Medicare , CHIP, uye zvirongwa zvehutano zvakabatana nehondo. Uyewo, vanhu vazhinji vanozvishanda vanozvitengera chirongwa chavo chehutano zvakananga kubva kune kambani yehutano inshuwarisi.
Uyezve, vanopfuura mamiriyoni makumi mana veAmerica havana hutano hwehutano nokuti vanoshanda nguva yakawanda, avo vanoshandira havakwanisi kupa hutano inshuwarheni, kana kuti havagoni kutenga mari yemishonga yehutano yepuraimisi asi vanoita mari yakawanda kuti vakwanise kuwana Medicaid.
Kunewo huwandu hwehuwandu hwevanhu vanogona kukwanisa inshuwarisi asi vakashandurwa nekambani dzemishuwarenzi nokuti vane hutano husati huripo hwakadai sekenza, chirwere cheshuga, kana utachiona hweHIV. Munyika dzakawanda, hapana mitemo inoda kambani yehutano inshuwarisi kuti ipe rubatsiro kune mumwe munhu.
Mahombekombe Apamusoro
Zvisinei, makumi matatu makumi matatu nemaviri akaumba mapurogiramu chaiwo kune vagari venyika avo vanorambidzwa kuparidzirwa nevatsigiri vehupfumi nekuda kwematambudziko ane chokuita nehutano. Pamusoro pezvikamu zvizhinji, mapurogiramu aya, anozivikanwa semadzimba ane ngozi, anovimbisa kuti vanhu vanogona kutenga nekunyora mune chirongwa chehutano pasinei nehutano hwehutano hwavo.
Dr. Mike's Bottom Line
Kana iwe uri muduku uye uine hutano uye usina zvirwere zvehutano (zvakadai sekusvuta), iwe pachako uchange uine nguva iri nyore kuwana inshuwarhu yehutano yehutano ine hutano uye zvirongwa zvehutano zvinoda kuti iwe uve mutengi. Zvisinei, kana iwe wakarapwa kune hutano husingaperi kana uine hutano hwakanaka, huwandu hunokonzerwa nehutano (hwakadai sekuwedzerwa kwehuwandu hwepamusoro kana kucheka fodya), ungasakwanisa kuwana hutano hwehutano huripo chero mutengo.
Zvizhinji zvirongwa zvehutano zviri mubhizinesi kuita mari uye hazvidi kunyoresa vanhu "vanorwara" avo vari kuzoshandisa zvakanyanya mabasa .
Chii Chinoitika Kumadzimai Akakwirira-Dambudziko Pasi Panochinja Kweutano?
Chimwe chezvikamu zvikuru zvehutano hwehutano hwehutano (Murwere Kudzivirira uye Affordable Care Act) iyo yakasayirwa mutemo munaMarch 2010 ndeyekubvisa mitemo yekare yaivepo uye kupa ruzivo rwezvirongwa zvehutano hwakakosha zvisingagoni kuramba kuparidzirwa maererano nehutano hwehutano.
Hurumende imwe neimwe ine yehutano inshuwarheni inoshandiswa iyo inopa zvisarudzo zviviri zvehutano hwehutano nemajeri akasiyana-siyana emaipiramu uye kunze kwemari. Iko kugoverana kunogona kunge kuchinjwa, kana kuwedzera kune, nzvimbo yako yemahombekombe yakawanda iripo.
Mari Yakakwirira Inotyisa Inishuwarenzi Ini Ini?
Zvirongwa zvehutano hwepamusoro zvinodhura zvikuru kuti nyika yako ishande. Nemhaka yeiyo, nzvimbo yakanyanya ngozi panjodzi yako inogona kukubhadhara kupfuura zvinodhura zvekutenga inshuwarhu yehutano yehutano. Kazhinji, dzimba dzepamusoro-panjodzi dzinopa zvirongwa zvehutano zvina kusvika masere kuburikidza nekontrakiti pakati pehurumende yako uye imwe kana mamwe makambani ehutano hwehutano hwehutano.
Zvichienderana nehurumende, mari yako yepamwedzi yepurogiramu yehutano ine ngozi yakawanda ichava 125% kusvika 200% yemari yepurogiramu yakafanana yepachivande - yakafanana neurongwa hwehutano hwakakuramba iwe kugoverwa. Somuenzaniso, kana chirongwa chedsika chemumwe munhu chinodhura madhora mazana mashanu mwedzi mumwe nomumwe, muCalifornia iwe unogona kubhadhara $ 625 nokuda kwehuwandu hwehuwandu hwehuwandu (125% mukana), muWest Virginia $ 750 yepurogiramu yakakwirira (150% mukana) , uye muRondon $ $ 1000 nokuda kwehuwandu hwepangozi ($ 1000).
Munyika dzakawanda dzine dzimba dzakakwirira, kambani ye inshuwarisi inogonawo kusiyanisa mari yebhadharo yako yakabva pane zvaunofunga, zvakadai sezera, hutano, chimiro chekusvuta, kwaunogara munharaunda, uye hutano hwako.
Havagoni kukuramba iwe kugoverana kana uine chinetso cheutano, asi vanogona kukubhadhara iwe premium!
Pamusoro pemari yako yepamwedzi yepamwedzi, iwewo uchava nemhosva yekutorwa kwemahomwe , zvakadai sekudzikinurwa kwegore negore, mapepa, uye co-inshuwarisi. Iwe unogona kutarisira kuva ne deductible gore roga roga $ 500, asi mune dzakawanda zvinodha ductible inogona kuva pakati pe $ 1000 ne $ 3000.
Ndeipi Dambudziko Rakakwirira-Dambudziko Rakanaka?
Dziva risina ngozi rinogona kubatsira zvikuru kana uine mamiriro ezvinhu akambovapo, wakarambwa kukwanisa kupinda muurongwa hwehutano, uye anogona kukwanisa kubhadhara miriyamisi yemwedzi. Sezvo dzimwe nyika dzichipa rubatsiro rwemari nemayero ehurukuro, dzimba huru ine ngozi inogona kuita sekuchengeteka mumambure kana iwe usingagoni kutenga kutenga chirongwa chepachirongwa chega.
Zvisinei, kune zvimwe zvinetso zvakakosha dzine dzimba dzepamusoro. Kunyange zvazvo mamiriyoni emamiriyoni evanhu makumi matatu nemakumi matatu ane mahombekombe makuru anogona kuve akakodzera kutora chikamu, kunyorwa kwechokwadi - anenge 190 000 - kwave kwakanyanya. Izvi zvinonyanya kukonzerwa nekukwirira kwema-premium uye gore rega-kunze-re-podha mari - vanhu vazhinji havangakwanisi kutenga kuvhara kuburikidza nehombekombe huru.
Sezvo dzimba dzepamusoro dzine ngozi dzakakosha kushanda, dzakawanda nyika dzine zvishoma kana kuti dzakamira kudzima vanhu mumadziva.
Resources
Sezvo rimwe nerimwe rezvema 35 rinotaura nezvemadzimai akakwirira rine mitemo yakasiyana, zvakakosha kuti iwe unzwisise zvaunoda zvehurumende, zvigadziriro zviripo zvinopa inshuwarheni munzvimbo yakakwirira yakawanda, mari yegore negore, uye zvingaita kuti zvirongwa zviripo iye zvino yakavharwa.
Hurumende Dzakakwirira-Dambudziko: Chidimbu - chirevo chakaisvonaka kubva kuKaiser Family Foundation iyo inosanganisira urongwa hwehurumende nepamusoro-padzi uye mamwe mashoko ehukuru pamusoro pezvirongwa zvehurumende.
National Association of State Comprehensive Health Insurance Plans inopa urongwa hwematongerwo enyika nehuwandu hwemvura yakawanda hunosanganisira kuwirirana zvakananga kune imwe purogiramu.