Job-based health health inshuwarse yakachinja pasi peBobamacare
Nemhaka yokuti dzakawanda zveAne Affordable Care Act zvinoshandiswa zvinoshandiswa pamusika mumwe nomumwe, uyo anoshandira-bhizimusi yemusika yemusika dzimwe nguva haasi kunze kwekukurukurirana. Asi vashandisi-vanochengetedzwa nehutano inshuwalhu ndeye nzira yakajairika yekuparidzirwa muUnited States. Vanenge 6 muzana chete veAmerica vaiva nehupfumi hwakatengwa mumusika mumwe nomumwe muna 2014, kunze kwe 49% avo vaive nekugoverwa kubva kumushandi.
Imwe yehutano yveshuwarisi yemusika yakasiyana zvakanyanya nhasi kupfuura iyo yakanga isati yasvika yeCountable Care Act (aka, Obamacare) yakashandiswa. Uye kunyange zvazvo kuchinja kusina kufanana nezvakataurwa mumushandirwi-anorayirwa hutano hutengesheni (kunyanya boka guru reboka), kune zvakawanda zveAACA zvinoshandisa zvirongwa zvehutano izvo vanhu vanowana kuburikidza nevashandi vavo.
Vakuru vashandi vanodikanwa kuti vape kugovera
Kusati gore ra2014, pakanga pasina chikonzero chokuti vashandi vape utano hwehutano kune vashandi vavo. Izvo zvizhinji zvevashandi vakuru vakapa kugoverwa, asi izvi ndizvo zvavakasarudza. Mushandi weAACA akagoverana basa rokutarisira (basa rekumashandira) rinoda vashandi vane makumi mashanu kana makumi maviri evashandi venguva yakazara vashandi vanokwanisa kugovera inshuwalhu yehutano inobhadhara kuvashandi vavo vanoshanda maawa makumi matatu pavhiki.
Izvo zvaidiwa zvaifanira kutanga zvichishanda kune vashandi vose vakuru kubva muna 2014 asi zvakanonoka kusvikira 2015 kune vashandi vane vashandi vane zana kana kupfuura, uye kusvika muna 2016 kune vashandi vane 50 - 99 vashandi.
Mushandi wekumanikidza anoreva kuti vashandi vanofanira kupa hupfumi hunosangana nehuwandu hunokosha uye hunofungidzirwa kuti hunogona kubhadhara mushandi. Zvisinei, " mhuri inobwinya " inoreva kuti pane dzimwe nguva, kugoverwa hakugoni kuwanika kune vanovimba nevashandi.
Zvose zvirongwa zvinofanira kubvisa kunze kwehomwe mari
Muna 2016, zvirongwa zvese zvehutano zvisina hukuru zvine hutano zvinofanira kubhadhara mari yepamusoro ye $ 6 850 kune mumwe munhu, uye $ 13 700 pamhuri.
Uye urongwa hwemhuri hunofanira kunge hwakagadzirirwa humwe humwe huri kunze kwehombodo husingawedzeri $ 6 850 . Urongwa hwekugadzirisa kunze kwemahomwe mari inoshanda kumagadziro eboka pamwe nezvirongwa zvevanhu, chero bedzi vasina kuberekwa (zvirongwa zvakanga zvatoitika apo ACA yakasayirwa mutemo musi waMarch 23, 2010).
Hapana mamiriyoni emiganhu pamusoro pezvipo zvehutano hunokosha
IAACA inotsanangura gumi "zvakakosha zvoutano" iyo inofanira kuvharwa nevose vatsva uye mapoka maduku maduku (mune dzimwe nyika, boka duku rinotsanangurwa sevashandi vanopfuura 50). Kana iwe ukashanda kune waunoshandira asina vashandi vanopfuura 50 uye mushandirwi wako akanyoresa chirongwa kubva munaJanuary 2014, chirongwa chako cheutano chinopa zvikwereti zvehutano zvakakosha pasina dhora remadhora pamusoro pehuwandu hwerongwa huchabhadhara kune izvo zvinobatsira mugore kana kupfuura nguva yose yaunenge uchiona.
Kana iwe ukashandira mushandi mukuru (mune dzimwe nyika, vashandi vanopfuura 50; asi mune dzimwe nyika, vashandi vanopfuura 100), chirongwa chako chehutano chingave chisingafukidze zvose zvinokosha zvehutano, sezvo zvisingakodzeri kuita saizvozvo pasi pe ACA. Asi nokuda kwehutano hupi hunokosha hunobatsira chirongwa ichi , hachigoni kupa mari yegore negore kana nguva yeupenyu nguva dzose yemari yehupenyu huripo huripo huripo (mazano akawanda eboka anowedzera huzhinji hwezvinhu zvinokosha zvehutano, kunyanya ikozvino boka guru rinoronga inofanirwa kupa huwandu hunokosha).
Kurambidzwa kwoupenyu hupenyu hunobatsira hupenyu hunobatsira hutano hunoshanda huri kushanda kunyange kune zvirongwa zvakawanda. Uye kurambidzwa kwemakore ekubatsirwa kwemakore ekubatsirwa kwehutano kunoshandiswa kune avo vakaberekerwa vashandi-vakaronga zvirongwa.
Hapana mishonga inonyorwa pasi pezvikamu zviduku zveboka
Kusati gore ra2014, vashandi vanogona kugadzirisa purogiramu yeboka duku muchiitiko chezvechirwere chezvechirwere kunyange zvazvo dzimwe nyika dzisingakwanisi kana kudzivisa tsika iyi. Kubva muna 2014, ACA yakarambidza hutano inshuwarisi vanotakura kubva pakutsvaga boka rezvechirwere chechipatara kuti rione mapeamendi. Munyika dzakawanda, izvi zvinoshanda kuvashandi vane 50 kana vashoma vashandi.
Zvose zvirongwa zvinosanganisira kubata pamuviri
Kubva muna 1978, zvirongwa zvehutano zvakashandiswa nehuwandu muUnited States zvakafanirwa kusanganisira kuvhara kwekuberekwa kana muchengeti aiva nevashandi vane 15 kana kupfuura uye akasarudza kugovera utano hwehutano. Uye mugore ra19 rinotaura, mitemo yakanga iri munzvimbo isati yasvika ACA yaida kuti kuberekwa kwekuberekwa pazvikwata zvishomanana kunyange apo mushandi aiva nevashandi vasingapfuuri 15.
Asi kuberekwa kwekuberekwa ndeimwe yemigumisiro inokosha yehutano hweAACA, izvo zvinoreva kuti yakabatanidzwa pane zvese zvitsva zvezvikamu zvevanhu uye zviduku zvakatengeswa kubva muna 2014. Izvo zvakazadzwa nemapapanhau mune zvinyorwa apo boka duku duku rinoronga (vashoma kupfuura vashandi 15) inofanira kuvhara kutarisira vana pamuviri vasati vasvika muna 2014. Hapana mubato wevashandi kune vashandi vane vashoma vanopfuura 50 vashandi. Asi kana mapoka maduku akasarudza kugoverana kuvashandi vavo, urongwa huchazobatanidza kuchengetwa kwekurera mumamiriro ose enyika.
Nguva yekumirira haigone kudarika mazuva makumi mapfumbamwe
Pane imwe nguva mushandi akataridzika akakodzera kugoverwa pasi peurongwa hunobhadharwa nevashandirwi, nguva yekumirira yekuvhara kutanga inogona kudarika mazuva makumi mapfumbamwe (mamwe mimwe mitemo inoshandiswa mumamiriro ezvinhu apo vashandi vanofanirwa kushanda imwe nguva yeawa kana kuti vanogamuchira rimwe ruzivo rwemabasa mu kurongedza kugadziriswa kukodzera kugoverwa).
Vana vanogona kuramba vari kurongwa nevabereki kusvikira makore 26
Kubva muna 2010, zvirongwa zvose zvehutano zvakave zvichidiwa kubvumira vana kuti varambe vachironga zvirongwa zvemubereki kusvikira vasvika makumi maviri nemaviri. Izvi zvinoshanda kune vashandi-vakagadzirirwa zvirongwa pamwe nezvirongwa zvega, uye zvinoshandawo kune zvirongwa zvakawanda. Hapana chikonzero chekuti vechidiki vakuru vave vadzidzi kana mari vanovimba nevabereki vavo kuitira kuti varambe vari pahutano hwavo hwehutano inshumo.
Kuchengetedza kwekuchengetedza kunovharwa pasina
Kuchengetedza kwekuchengetedza ndechimwe chezvinhu zvinokosha zvehutano izvo zvinofukidzwa pamagadziro evanhu nemapoka maduku pasi peAACA. Asi zvinotarisirwa kuti zvifukidzwe pazvirongwa zveboka guru uye zvirongwa zvekuzvidzivirira zvinoshandisa wechitatu mutungamiri (zvirongwa zvakawanda zvakave zvisingabvumirwi nebasa rekuchengetedza rekuchengetedza). Pane urongwa hwakawanda hwehutano hunovharwa pasina mari kune murwere pasi peAACA yekuchengetedzwa kwekuchengetedza.