Ita Zvose Zvechokwadi Zvikwereti Zvishoma Zviri Pasi Hazvizove Zvakawedzerwa Zvishoma mu Long Run
Gore roga roga rinoratidzika isu takatarisana nekukwira kwemari yehutano inshuwarisi . Saka pazvinosvika pakusarudza chirongwa chehutano hwehutano hwehutano , zviri kuedza kwazvo kusarudza chirongwa chine purogiramu shoma pamwedzi.
Kunyange zvakadaro, zvirongwa izvi nemakambani makuru emwedzi pamwedzi ndeyewo zvirongwa zvinowanikwa nepamusoro-pese zvehomwe, zvakare. Zvichienderana nehutano hwemhuri yako, vangave sarudzo dzakanaka, kana kuti vangave noutano uye / kana njodzi yemari kwauri.
Zita rokuti "njodzi" rinofanirwa kureva kuti kana iwe ukarwara zvikuru kana kukuvadzwa zvakashata - chiitiko chinokuvadza - iwe unenge uine zvishoma zvishoma yehutano inshuwariti kuti ubatsire kubhadhara mari yakawandisa yakadaro chiitiko mari yako. "Kukwidziridzwa kwepamusoro" uye "kutyisa" zvirongwa zvehutano inshuwarisi mabhii maviri kune rimwe rudzi rwerongwa.
Heano mamwe maitiro ehupenyu pamusoro pekuti izvi zvinokonzera sei kana zvakakwirira deductible inshuwarani zvirongwa zvinoshanda uye kuti ungasarudza sei kana ivo vakarurama, kana chisarudzo chisina kururama, kwauri.
Maitiro Avanoita
Nzira yakanakisisa yekufungidzira kana iyo yakaderedzwa yepamusoro yehutano inshuwarano chirongwa chisarudzo chakanaka ndechokunzwisisa maitiro avanoita.
Ngatitange nedzimwe tsanangudzo:
- Imari yepamusoro ndiyo mari yako yemwedzi wega ye inshuwarisi yako.
- A deductible ndeyekuti iwe uchabhadhara zvakadini iwe pachako kurapwa pamberi pekambani yeinishuwarensi isiripa chero zvachose.
- Iko kune marudzi maviri emapepa . Yokutanga yakafanana ne "kupinda mumusuo" mari - inowanzosvika $ 12 kana $ 25 kana imwe chikamu chemari iyo inowanzoita kuti iwe ufunge kaviri pakugadzirisa kusarudzwa kwacho kana kutenga iyo mishonga. Zvinoreva iwe unoziva kuti utano hwako hahusi hwoga - iyo yekutanga copay inongotanga-inotanga imwe nzira yekubhadhara.
Rudzi rwechipiri nderopayipi copay, kufanana ne 80/20, inonziwo " coinsurance ," zvinoreva kuti kana wapedza chikwereti chako chekutsvaga , iwe uchabhadhara 20% yezvimwe zvose zvebhadha uye wako inshuwarheni achabhadhara 80%.
Kambani yveshuwarhu yehutano yehutano inoda kuunganidza mari yakawanda sezvainokwanisa kubva kwauri uye kubhadhara semari shoma sezvinobvira panzvimbo yako. Ivo vari mubhizinesi kuti vawane purogiramu, saka yavo yavo inotora, tora, tora-asi usabhadhara zvakawanda.
Dambudziko nderokuti, kana iwe usingakwanisi kutenga mari yepayumu (iyo mari yaunoita mwedzi mumwe nomumwe) saka iwe haugoni kutenga inshuwarisi yavo zvachose.
Saka vangada kukupa sarudzo iyo inokubhadhara mari shoma pamwedzi mumwe nomumwe uye inoda iwe kuti ubhadhe zvakawanda kubva muhomwe yako apo unoda rubatsiro rwemishonga. Izvozvo zvinoreva kuti havazofaniri kubhadhara chero ani zvake panzvimbo yenyu kusvikira imwe, yakakwirira kwazvo chikumbaridzo ichisangana.
Saka makambani einishuwarenzi akagadzira zvirongwa zvakasiyana-siyana zvinoda kuti iwe uongorore "njodzi" yako - mikana iwe ucharwara kana kukuvadzwa, mikana yaunoda kuisa mu inshuwarisi yako, mikana iyo ichadikanwa kubhadhara zvakawanda zvako zvinetso zvoutano.
Chirongwa chenguva dzose, nepamusoro-soro asi yakaderedza deductible, zvinoreva iwe uchabhadhara kambani ye inshuwarisi uye ivo vachabhadhara zvakawanda panzvimbo yako. Iwe wakasarudza kuti njodzi yako yokurwara kana kukuvadza yakakwirira zvakakwana zvokuti zvakakosha kubhadhara mwedzi mumwe nomumwe.
A high deductible, dambudziko plan nekukwirira zvakaderedza uye purogiramu yakaderera zvinoreva iwe uchabhadhara mari yakawanda pakutanga pakutanga kambani ye inshuwarisi inotanga kuribhadharira iwe pachako. Iwe wakasarudza kuti njodzi yako yekurwara kana kukuvadza yakaderera uye iwe unogona kuchengetedza mari nekubhadhara mari yakawanda ye inshuwarisi.
Mienzaniso
Purogiramu ye inshuwarisi yenguva dzose inogona kukukumbira kuti ubhadhe $ 1 000 pamwedzi kumakambani einishuwarenzi, uye iwe unotsvaga $ 500.
Kana ukangobhadhara chikwereti ichocho, paunoenda kuna chiremba uye anonyora chiremba, ivo vachakuudza, "Zvakanaka murwere - iwe unobhadhara $ 25 kuti chiremba ako ashanyire uye $ 15 pamutemo wako uye tichabhadhara vamwe vose. " Pakupera kwemwedzi, kana iwe usingaoni chiremba zvakare kupfuura izvozvo, saka zvakakosha iwe $ 1,040 nokuda kwehutano hwako mwedzi iwoyo.
A high deductible / disaster disaster plan ingakukumbira kuti ubhadhara $ 500 pamwedzi kumakambani einishuwarenzi, asi iwe unotsvaga uri $ 2 500. Chimiro chakafanana - unoenda kunechiremba uye anonyora mishonga. Nenguva ino bedzi, iwe wakabhadhara hofisi yekushanyira ($ 100) uye nokuda kwechirwere ($ 15) - asi nokuti iwe wakabviswa zvakanyanya, hauna kuishandisa zvakare gore iroro, saka kambani ye inshuwarisi haichabhadhari chimwe chinhu zvakadaro pachinzvimbo chako.
Mari yako yakazara mwedzi iwoyo ($ 500 premium + $ 100 + $ 15 =) $ 615.
Iye zvino, kana iwe chete uchifanira kuenda kuna chiremba imwe nguva mumwedzi iwoyo, zvino inosvika purogiramu yako yakakodzwa yakave yakagadziriswa kwauri nokuti kana iwe wakabhadhara mari inodhura yehutano, iwe ungadai wakashandisa $ 435 mamwe kupfuura iwe wakabhadhara nehutano hwako hwepamusoro / hukuru hwehutano hwakanaka.
Zvisinei, fungidzira kuti mwanakomana wako anowira pane skateboard yake. Anotambudza kugadzirisa kunomugogodza kunze. Zvakaipisisa, anovhuna ruoko rwake munzvimbo nhatu, izvo zvinoda kuvhiyiwa kuti agadzire ruoko rwake uye aipise kuitira kuti aporese zvakanaka. Zvinodhura! Iko mapepa ekutanga aya achava akadaro pane zvaunoshungurudza. Iwe uchabhadhara iyo $ 2,500 yose pamwe chete ne20% - zvimwe zvingava nezviuru zvemadhora. Neurongwa hwehutano hwehutano huripo nguva dzose, yako kunze kwehomwe yemari inenge iri zvishoma.
Nzira yekugadzirisa kana Hazvo Deductible / Dambudziko Rakaipa Richakushandira
Kana iwe nevemhuri yako mune utano hwakanaka uye musingadi kuti vanachiremba vashanyire, chipatara chinogara kana mishonga yemishonga mugore, ipapo chirongwa chakakosha chekushandisa chinogona kushanda zvakanaka kwazvo kwauri.
Kune rumwe rutivi, kana iwe nemhuri yako mune zvinetso zvezvehutano, sekukwirira kwepamusoro kubata chero chero chigumbuso chinouya pasi pecke kana chirwere chisingaperi chemhando ipi zvayo, ipapo chirongwa chepamusoro chehutano chakakosha chingangokubhadhara iwe kubva muhomwe yako nguva refu.
Kana iwe uchifunga kuti zvakanyanya kukonzerwa / njodzi yehutano inshuwarano chirongwa chichaenderana nezvido zvako, saka iwe unogona kuchengetedza mari yakawanda uchishandisa nhoroondo yekuchengetedza utano (HSA). HSAs dzinokubvumira kuchengetedza mari, mutero usingabhadhari, kubhadhara chero rudzi rwemari yezvokurapa. Kusiyana nedzimwe nhoroondo dzekudzikinura mari, mari haiperi pamagumo egore kana iwe usingashandisi, uye inogona kushandiswa chero nguva panguva yese yehupenyu hwako nokuda kwezvokurapa. Zvakare, zvinoshandiswa , zvinoreva kuti unogona kuchinja mabasa kana kubvisa mari uye mari yawakachengetedza icharamba iripo kwauri.