Kunzwisisa Purogiramu Yezvikwereti Zvevashandi Vehutano Vevamwe
Chimwe chezvidzidzo zvinowanzoitwa pamakambani ehutano hwehutano hwehutano ndehukuti ivo vari kubhadhara pamutengo wevanorwara. Asi ngatimbotarisisa zvakanyanya dheta uye tione kunotitorera isu. Ko makambani ehutano ehutano yehutano anonyatsoita zvikwereti zvisina musoro here?
Ndezvipi zvakafanana Private Health Insurance?
Usati wagadzirisa mubvunzo pamusoro pemari, zvakakosha kutarisa kuti vanhu vanowanzova nehutano hwehutano huri kuUnited States.
Mune mamwe mazwi, vangani vanhu vangave vakakanganiswa nemubvunzo uyu.
Maererano neDaiser Family Foundation data, inenge yechitatu yevaAmerica yakanga ine inshuwalhu yehutano hwehutano muna 2016 (kunyanya Medicare neMedicaid). Imwe 9 muzana yakanga isingabatsiri, asi vamwe vose vane inshuwalhu yehutano yega yega iyo ivo vakatenga ivo pachavo mumusika mumwechete (7 muzana) kana kugoverwa kunopiwa nemushandi (49 muzana). Inenge hafu yevana veAmerica vane ruzivo rwakapiwa nevanoshandira, kunyange zvazvo 63 muzana yavo ine ruzivo runenge ruzere kana ruzere ruine mari inobhadharwa nevanoshandira (izvo zvinoreva kuti mushandi ane mari yake yekuvhara mari yezvokurapa, panzvimbo yokutenga kugoverwa kubva kune inshuwarhu yehutano carrier).
Asi vazhinji varwere veMederalid uye Medicaid vanewo huwandu hupi hupi hupi hunopiwa kuburikidza nekambani yehutano inshuwarhu yehutano, pasinei nokuti vakanyoreswa muzvirongwa zvehutano hwehutano huri pachena.
33 muzana yevashandi veMederalid vanyoresa muMedarere Advantage zvirongwa zvinotungamirirwa nehutano hwehutano inshuwarisi vatengesi, uye makumi mana makumi matatu nematanhatu Medicaid inotarisira zvibvumirano zvekuchengetedza nevatakuri vevamwe kuti vavhare zvimwe kana Medicaid yavo yose. Kunyangwe pakati peVayori veMutambo weMedare, chikamu chechina chinotarirwa neMedigap kubva kune hutano hwehutano inshuwarisi vatakuri uye nhamba iyi iri kuwedzera (yakawedzera 6 kubva kubva muna 2013 kusvika 2015 chete).
Apo patinoisa zvose izvo pamwe chete, zvakajeka kuti nhamba inokosha yeAmerica ine hutano hwehutano hwakapiwa kana hutungamirirwa nekambani yehutano inshuwarisi yehutano. Uye makambani ehutano ehutano ehutano anowanzotora rap yakaipa pazvinouya nezvekutarisira kwehutano.
Iko Inishuwarenzi Inobatsira Isinganzwisisiki Here?
Nyaya dzakawanda dzanyorwa nevanhu vachiedza kuwana ruzivo munguva dzekunyora kusununguka. Zvimwe zvezvinhu izvi zvinoratidzira kuunganidza mari nemari inowedzera kuvhiringidzika. Zvechokwadi, hutano hwehutano inshuwarisi vanotakura vane zvikwereti zvakakosha, zvichibva pakuti ivo vari kuunganidza miriyamu ye insureds yakawanda.
Asi pasinei nokuti mari yakawanda yevatengesi inounganidza mumari yepayamu, inofanirwa kupedza yakawanda yayo pamitemo yezvokurapa nehutano hwehutano hunovandudzwa. Uye kunyange zvazvo kutsoropodzwa kunowanzoitika ndeyekuti makambani ehutano yehutano ehutano anobhadhara CEOs avo zvikuru, izvo zvinowedzera kufungidzira kwekuti CEO muhomwe kukura, kazhinji, yakanyanya kurema muhomwe wekuwedzera kuburikidza nemakore makumi emakore apfuura. Hapana hutano hwehutano inshuwarheni inomiririrwa pakati pezana zana makambani ane CEOs akakwirira-kubhadhara, kunyange kune makambani emakemikari akawanda.
Saka nepo kanomwe kanomwe kana masere EEC muhomwe yemari inoratidzika seisinganzwisisiki kumunhu akawandisa mushandi, zvinonyatsoenderana nehutano hwekambani.
Uye iyo yehutano inshuwarisi yekambani CEOs haisi pakati pepamusoro-soro CEOs yemakambani makuru. Ichokwadi ichocho chinoramba chiripo kuti mibairo inhengo yekutarisira mari iyo makambani eishuwarisi ehutano inofanirwa kuisa pasi peMutengo unoshandiswa weChealth Care Act wekurasikirwa (MLR). Uye saka ndizvo zvinobatsira.
Ndezvipi Zvakawanda Vehutano Vehutano Vanobatsirwa?
Kana tikacherechedza chiyero chezvikwereti nemashandisirwo emakambani, makambani ehutano yveshuwarhu akanaka kwazvo nechepasi, ane huwandu huwandu huwandu hwemari inenge ye3.3 muzana chete. Nekuona, mabhizimusi uye zvivako zvemabhizimisi zvakagadzirisa zvikwereti zvinowanzopfuura makumi maviri kubva muzana, uye makuru ekugadzirwa kwezvinodhaka zvinowanikwa muzvikamu zvemashoko anenge anenge 22 muzana.
IAACA inotungamirira mitemo yeMLR inoda kuti mishonga yehutano yehutano ichishandisa zvakawanda zvezvinhu zvavanounganidza muzvikwereti pamitemo yezvokurapa. Izvo zvinongorambidza kushandiswa kwezvinhu zvekutarisira - kusanganisira hutungamiri huripo uye mari - zvisingasviki makumi maviri kubva muzana yemari yemari inowanikwa. Asi hapana chidimbu chakafanana kune zvipatara, vatori vezvigadzirwa, kana vhizimisi vezvinodhaka.
Pasi Pasi Pamusoro Pokubatsirwa Kwevamwe VeInishuwarenzi Makambani: Anonzwisisa kana Asingafungi?
Mari yehutano yehutano ndiyo inofambisa hurumende yemishonga yehutano yehutano Ichokwadi kuti makambani ehutano ehutano ehutano anobhadhara CEOs kukwikwidzana mitero uye inofanira kuramba ichibatsira kuitira kugara mubhizimisi. Asi ruzivo rwavo rwakanyanyisa kana tichienzaniswa nedzimwe makhizha.
Kana iwe uine mamwe mibvunzo mushure mekuverenga pamusoro pezvikwereti, dzidza pamusoro pezvinhu zvakanakisisa zvese zvekuwana ruzivo nezvehutano hwehutano nehutano hwehutano.
> Kwakabva:
> Kaiser Family Foundation. Inishuwarenzi Inoshandiswa yeVanhu Vose Vevanhu. Mhemberero 2016. https://www.kff.org/other/state-indicator/total-population/?currentTimeframe=0&sortModel=%7B%22colId%22:%22Location%22,%22sort%22:%22asc%22% 7D