Kusarudzwa kwakashata muhutano inshuwarheni hunoitika apo vanhu vanorwara, kana avo vanowedzera ngozi kune inshuwarisi, batenga inshuwarhu yehutano apo vanhu vane hutano vasingatengi. Kusarudzwa kusarudzo kunogonawo kuitika kana vanhu vanorwara vachitenga inshuwarisi yehutano kana zvirongwa zvehutano zvakasimba apo vanhu vane hutano vanotenga zvishomanana.
Kusarudzwa kusarudza kunoita kuti inshuwarheni iri pangozi yakakura yokurasikirwa nemari kuburikidza nezvirevo kupfuura zvazvakanga zvafanotaurwa.
Kana kusarudzwa kwakashata kwakabvumidzwa kuramba kuchiregererwa, makambani ehutano yehutano ingasvibatsika uye pakupedzisira abuda kunze kwebhizimisi.
Kusarudzwa Kwakaipa Kunoshanda
Heano iri muenzaniso wakajeka wakajeka. Ngatiti kambani yehutano inshuwarisi yaitengesa urongwa hwehutano hwehutano hwe $ 500 pamwedzi. Vakwegura vane makore makumi maviri vanogona kutarisa pamari yepamwedzi iyoyo uye vanofunga, "Heck, kana ndikaramba ndisina uninsured , ini zvimwe handizopedza $ 500 gore rose pamusoro pehutano. Handizopedza mari yangu pa $ 500 yemwedzi mirimi yemwedzi apo mukana wekuti ndichada kuvhiyiwa kana kurapa kwekutengesa kwehutano kunodhura. "
Panguva iyi, ane makore makumi matanhatu nemasere anorega chirwere cheshuga ane chirwere chemwoyo angangotarisa $ 500 yemwedzi pamwedzi uye anofunga kuti, "Wow, nokuda kwe $ 500 chete pamwedzi, kambani ye inshuwarisi yehutano ichabhadhara chikamu chezvinyorwa zvangu zvehutano zvegore ! Kunyange mushure mekubhadhara deductible , iyi inshuwarisi ichiri chinhu chikuru.
Ndiri kutenga! "
Iyi kusarudzwa kwakaipa kunoguma muhutano hwehutano hwezvehutano hunosanganisira vanhu vane matambudziko ehutano avo vaifunga kuti vangangodaro vanopedza mari inopfuura $ 500 pamwedzi kana vaifanira kubhadhara mari yavo yehutano. Nokuti urongwa hwehutano huri kungotora mu $ 500 pamwedzi mumwe wega wega asi ari kubhadhara mari inopfuura $ 500 pamwedzi mumwe nomumwe muzvikwereti, chirongwa chehutano chinorasikirwa nemari.
Kana kambani yveshuwarhu yehutano isingaiti chimwe chinhu kudzivirira kusarudzwa kwakashata, iyo ichazopedzisira yarasa mari yakawanda iyo inenge isingakwanisi kuramba ichibhadhara zvirevo.
Nzira yehutano hupi inodzivisa kusarudzwa kusina kunaka
Kune nzira dzakasiyana-siyana dzehutano inshuwarisi makambani anokwanisa kudzivisa kana kuderedza kusarudzwa kusina kunaka. Zvisinei, mitemo yehurumende inobvumira vatsigiri vehutano kuti vashandise dzimwe nzira idzi nekudzikisa kushandiswa kweimwe nzira.
Mune misika yehutano yehutano yveshuwarisi , mitemo yehutano yehutano ingashandisa underwriting kuedza kudzivisa kusarudzwa kwakaipa. Munguva yekunyora pasi, munyori wechirungu anoongorora nenyaya yezvokurapa, nhamba yevanhu, zvekare, uye mararamiro ehupenyu. Inoedza kuongorora njodzi iyo inshurenzi ichasangana nayo nekusimbisa munhu anenge achitsvaga inshuwarisi yehutano.
Iyo inshurensi inogona kusarudza kusatengesa hutano hwehutano kune mumwe munhu anoisa pangozi yakawandisa kana kutengesa munhu ane riskier yakakwirira yepamusoro kupfuura iyo inopomera mumwe munhu angangodaro ane zvishomanana. Uyezve, kambani yveshuwarhu yehutano inogona kuvharidza ngozi yaro nekuisa gore rega kana nguva yekurarama kwehuwandu hwehuwandu hunopa mumwe munhu, nekusiya mamiriro ezvinhu akambovapo kubva pakugoverwa, kana kubvisa mamwe marudzi emishonga ekurapa kwemari kana mabasa kubva pakugoverwa.
MuUnited States, makambani einishuwarenzi ehutano haabvumirwi kushandisa zvizhinji zvehutano. The Affordable Care Act
- inorambidza vatsigiri vehutano kuti varambe kutengesa hutano hwehutano kune vanhu vane mamiriro akambovapo.
- inorambidza inshuwarisi kuti irege kukwereta vanhu vane mamiriro ezvinhu akambovapo pane zvavanopomera vanhu vane utano.
- inorambidza zvirongwa zvehutano kubva pakugadzirisa gore negore kana hupenyu hwehupenyu huripo huripo.
- inoda zvirongwa zvehutano kuvhara chimiro chekufananidza chekubatsira kwehutano hunokosha; zvirongwa zvehutano hazvikwanisi kuisa mamwe mabasa ekurapa kwemari anokosha kana zvikwereti kubva pakugoverwa.
- zvinonyanya kubvisa kunyorwa kwekunyorwa kwehutano- huwandu hwehutano hwehutano hwehutano (kunyange kunyora pasi kuchiri kubvumirwa kwehutano hwehutano kwenguva pfupi uye inshurensi yekuchengetedza kwenguva refu .)
Kunyange zvazvo Mutengo Wakagadziriswa Mutemo wakabvisa zvakawanda zvezvigadziri vehutano vehutano vakashandiswa kushandisa kudzivisa kusarudzwa kusina kunaka, yakagadzirisa dzimwe nzira dzokubatsira kudzivirira kusagadziriswa kusarudzwa kusarudzo.
- Zvinoda vese vepamutemo vemuUnited States kuva nehutano inshuwarheni kana kubhadhara mutero wemitero . Izvi zvinokurudzira vanhu vaduku, vane hutano avo vangave vachiedza kuedza kuchengetedza mari nekuenda vasina utano hwehutano inshuwarheni yekunyora mune chirongwa chehutano. Kana vasina kunyora, vanobhadhara chikwereti chikuru chemutero.
- Inopa rubatsiro rubatsiro rwekubatsira avo vane mibare inonongedza kutenga inshuwarano yehutano pahutano hwehutano hwehutano kuitira kuti ivo vanokwanisa kunyora muurongwa hwehutano.
- Inoisa mitemo apo vanhu vanobvumirwa kunyoresa kurongwa hwehutano kuitira kuti vanhu vasakwanisa kumirira kutenga inshuwarisi yehutano kusvikira vachirwara uye vachiziva kuti vachava nehutano hwekutarisira mari. Vanhu vanongobvumirwa kuti vasainire inshuwarhu yehutano panguva yekunyorwa kwegore rose pamakore ekupedzisira , kana panguva yekunyoresa nguva yakanyoreswa yakakonzerwa nezvimwe zviitiko zvehupenyu sekurasikirwa nemabasa-based health inshuwarisi , kuroora kana kurambana, kana kuti kubuda kunze iyo nzvimbo.
- Inobvumira nguva pfupi yekumirira pakati penguva iyo munhu anyoresa muhutano inshuwarisi uye nguva yekuvhara inotanga.
- Iyo inobvumira vatsigiri vehutano kuti vawane mari kune fodya kusvika kuma50 premium aripamusoro kupfuura avo vasina kusvuta.
- Inobvumira vatsigiri vehutano kuti vatsigiri vanhu vakwegura kusvika katatu kupfuura izvo zvichiti vaduku kubva kune vanhu vakwegura vanowanzova nemari yakawanda yezvokurapa kudarika vaduku vanoita, saka vanopa dambudziko guru kune inshuwarisi.
- Yakagadzirisa zviyero zvehupfumi zvichienderana nehuwandu hunokosha , zvichibvumira bhizinesi kuti vabhadharwe zvimwe zvezvirongwa zvehutano nehuwandu hunokosha hwezvinoarial. Platinum zvirongwa zvinodhura zvinopfuura zvirongwa zvendarira , saka vatengi vanoda kuwedzerwa kwakasimba kwakagadzirwa ne platinum chirongwa vanofanira kubhadhara zvakawanda kuti vawane.
Sources:
Kusarudzwa kusina kunaka Matambudziko uye Utano Inishuwarenzi Kugoverana Pasi Penyu Risingakwanisi Kutarisira . National Association of Insurance Commissioner.
Kupi Marketplace Plani Inoisa Utano Hwenyu Inishuwarenzi. HealthCare.gov