Pasinei nokuti unosarudza kusava nechivimbo kana kuenda pasina utano hwehutano inshuwarisi nokuti hauna imwe sarudzo, unosangana nematambudziko nokuti hauna hutano inshuwarisi. Zviri pachena kuti kunzwisisa njodzi idzodzo kunogona kukubatsira kuita zvisarudzo zvine ruzivo.
Njodzi dzeMari
Zvikwereti zvezvechiremba pasina mubvunzo zvinobatsira kuti vakawanda varatidzike. Kunyange kana iwe uri mupfumi, kana iwe uine chirwere chakakomba kana njodzi yakaipisisa, zvikwereti zvako zvekurapa zvinogona kunge zvisingagoni kuitika kana ukaenda usina utano hwehutano inshuwarisi.
Kana iwe usina kuvimbiswa muUnited States, iwe uchasanganawo nemhosva yemitero kunze kwekuti iwe usingabhadharwi kurangwa . Iyi chirango inogona kuva inenge 2.5 kubva muzana yemhuri yako yegore rose, asi haingavi kupfuura yevhareji yenyika yeurongwa hwehutano hwemhangura hwehutano hwehutano gore iroro.
Ngozi dzehutano
Kuva usina kuvimbiswa kunogona kukanganisa utano hwako. Mumashoko aro e 2017, Kaiser Family Foundation inoti "vanhu vasina kuvimbiswa vanonyanya kufanana neavo vane inshuwarisi yekuregeredza kuchengetwa kweutano kana kuregerera zvachose. Migumisiro inogona kuva yakanyanya, kunyanya kana mamiriro ezvinhu anodzivirirwa kana zvirwere zvisingaperi zvisingatauriki."
Ngozi Kune Vadiwa Vako
Iwe hausi iwe woga unoisa pangozi kana iwe usina kuvimbiswa. Nokuti mararamiro ako anoita sei kune avo vari pedo newe, vadiwa vako vari pangozi kana iwe uchienda usina utano hwehutano inshuwarisi. Semuenzaniso, vachatambura nemari kana vachida kukubatsira nemari yekurapa.
Kana ivo vachivimba nemwi mune zvemari uye mune dambudziko rezvemari nekuda kwehutano bhizimusi, ivo vanotambura nemigumisiro yematambudziko enyu emari. Zvakaipisisa, vadiwa venyu vanotambura kana hutano hwenyu huchiderera nokuti haugone kutarisira kuvonga nokuti hauna uninsured.
Ngozi kuMunharaunda Wako Wemunharaunda
Mumufananidzo mukuru, kana iwe usingakwanisi kuripa mabhizimisi ako ezvokurapa nokuti iwe hauna kuvimbiswa, nharaunda yako uye sangano rose rinotambura.
Somuenzaniso, vatsigiri vehutano avo vakashandisa nguva yavo nemari yavo vachikutarisirai vachatambura nokusingabhadharwi. Mabhizimisi munharaunda yako anotambura kana iwe uchichinja mari yako yekushandisa nekuda kwezvikwereti zvekurapa. Vashandi vako uye waunoshandira vacharwadziwa pamunenge muchidana muchirwara kakawanda nokuti hamuna kuwana hutano hwehutano kana kuti hutano hwako hunoderera uye iwe hauna kubudirira pabasa.
Risks to Society
Sangano sese rinogona kutambura kana iwe usina uninsured. Kunyange kana iwe usingaiti mari yakawanda, iwe uchiri kupa ruzivo kumarudzi nenzira dzakawanda. Somuenzaniso, kana iwe ukaita basa rakanaka rekurera vana vako, iwe uri kugovera kumagariro kuburikidza nekusimudza nhengo dzemagariro emangwana. Kuva nebasa, kuzvipira, kutaridzira vavakidzani vako, uye kupa rubatsiro rwemweya kune shamwari dzako nevanodikanwa zvipo zvose kune zvekugarana sevanhu vose.
Kana iwe uchienda usina utano hwehutano inshumo uye izvo zvinokonzera kunonoka mukurapa kana kukwanisa kutarisira utano, izvo zvinononoka zvinogona kukuita iwe kurwara, zvichida kunyange kutungamirira kukuremara. Sangano sese richashushwa nokuti hauzokwanisi kugovera zvakawanda sezvawakaita pawakanga uine utano hwakanaka. Kana iwe ukaremara nokuti hauna kuwana hutano hwehutano, kwete chete hurumende inobhadhara mari yako yekuremara, asi inorasikirwa nemari yako yemazuva ano uye inouya mune zvekugaramo.
Vanhu vazhinji vakaremara vanoguma paMedicaid , Medicare , kana maviri. Kana iwe uri paMedicaid, sangano rose sangano riri kubhadhara hutano hwako. Kana iwe ukaremara uye enda kuMedare kare mangwanani, usati watora chikamu ichi kuburikidza nemitero yemitero kwemakore, sangano rinorasikirwa nemishonga yako yeMedricare pamwe nekubhadhara Medicare yako inobatsira.
Ngozi kuUnited Health Insurance System
Vanhu vose vanofukidzirwa pasi pehutano hwehutano inshuwarano chirongwa chikamu chemvura yakaoma. Dare rakachengetedzwa, rakachengeteka padzimba rinotsigirwa pakuva nehuwandu hwevamwe vanyori vakanyatsogadzikana kuti vagadzirire nhamba shomanana yevanyori vanove nehutano hunokosha.
Chimwe chezvikonzero zvikuru zvatiri kuona kupihwa kwemaimarikiti emakethe nemapurisa ehutano vanosiya kugoverana ndechokuti havana kukwana vanhu vane utano vakanyoresa. Somugumisiro, nzvimbo dzakawanda dzengozi dzakanyanyisa kuwedzera kumagumo mashoma ehutano hwemitambo, uye kuti mari dzinodhura dzakavhara vamwe vatakuri.
Nzira chete yekuchengetedza hutano hwehutano inshumo hwakasimba uye hunobudirira ndeyevanhu vane hutano kunyoresa muhuwandu hwekugadzirisa mari yekudaidza kune avo vasina utano hwakanaka. Uye kunyange iwe ungave uine utano hwakakwana ikozvino, izvo zvingasava nguva dzose. Kana uye iwe paunenge uchida kurapwa kwakakosha kwezvokurapa, mari inotakurwa nevose vanyori vane hutano hwakanaka muhutachiona hwehutachiona, vachifunga kuti iwe uri inshuvhisi panguva iyoyo.
Kupedza Dambudziko rekusavimbiswa
Pasinei nokuti unosarudza kuenda kunze kwehutano inshuwarisi kana iwe usina uninsured nokuti hauna imwe sarudzo, uri kutora ngozi. Zvimwe, asi kwete zvose, zvezvinetso izvi zvinogona kuderedzwa. Iri bhuku rinokubatsira kuti ugadzirire kuva usina uninsured uye, nepamusoro pezvinobvira, kukubatsira kuti udzivise njodzi dzinobatanidza nekusavimbiswa.
> Kwakabva:
> Henry J. Kaiser Family Foundation. Uninsuredred: Nyaya yePeer-Key pamusoro peUtano Inishuwarenzi uye Uninsured Under the Affordable Care Act. Yakabudiswa naDecember 14, 2017.