Nzira iyo Health Health Reform Yakachinja Mutambo weZviitiko Zvisati Zvavapo
Chimwe chezvikamu zvemurairo wehutano hwekugadzirisa hutano (Murwere Kudzivirirwa uye Affordable Care Act ye 2010, dzimwe nguva inonzi Obamacare) inoshandiswa kumakambani emakambani emishuwarenzi anobvumirwa zviri pamutemo kuti vabate vanyori uye avo vanogona kunge vanyora avo vane mamiriro ezvinhu akambovapo. Muzviitiko zvakawanda, makambani ehutano inshuwarano haazokwanisa kuramba kana kubvisa chinyorwa kune anyoresa pamusana pemamiriro ezvinhu akambovapo.
Izvi zvinogona kukuzorodza iwe somumwe munhu ane chirwere chinoputika chirwere (IBD) , sezvaungangodaro wakatarisana nezvipingamupinyi zvekushandira inshuwarisi munguva yakapfuura, kunyanya paunenge uchishanda mabasa kana paunopinda mubasa kana wapedza chikoro chesekondari kana kojiji.
Chii Chinonzi Chiripo Chaipo?
Chimwe chiitiko chisati chavapo chiri chirwere chipi nechipi kana chirwere chehutano chakange chichiongororwa pamberi pemurwere achitsvaga hurumende yehutano yveshuwarisi. Munguva yakapfuura, murwere akanga aongororwa ane chirwere chisingaperi uye uyo akazoona kukanganiswa kwehutano hwehutano inshuwarheni, kana kuti kuchinja kushandiswa kweinishuwarenzi, kunogona kurambwa nehutano nekuda kwezvavanoti ndizvo zvakagara zviripo.
Panyaya yekukumbira inshuwarhu yehutano kuburikidza nemushandirwi, gwaro rekare rinenge riripo raive rakagumira kune chero mamiriro ezvinhu akabatwa mukati memwedzi 6 yapfuura. Izvi zvaireva kuti chero chii chinonzi murwere anogamuchira kutarisirwa mumwedzi mitanhatu asati awana basa idzva risingafukidzwi.
Munhu wose ane chirwere chisingaperi angada kurapwa munguva iyoyo, saka ani zvake aive neBD kana chinetso cheBD angatambidzwa kubhadhara inshuwarisi kana achishanda mabasa.
Izvo zvakagara zviripo kusagadzikana kusakwanisa kushandiswa chero bedzi murwere aine chinyorwa chegore rose asati ashandura mabasa uye haana kuwana kurasikirwa kwekuparidzirwa kwakapedza mazuva anopfuura makumi matanhatu.
Izvozvo zvaireva kuti dai iwe wakanga wakabhadharwa uye ukaiswa kunze usingakwanisi kubasa gore, kana iwe wakanga usina kubasa kwemazuva anopfuura makumi matanhatu, iwe unogona kubviswa inshuwarisi kugoverwa kwemamiriro ako apo iwe uine inshuwarano yehutano itsva kubva mubasa rako .
Kana munhu akanyoresa akapiwa mutemo pasinei nemamiriro ezvinhu akambovapo, nguva iyo kambani yehushuwarisi inogona kuramba kubhadhara mari ipi neipi inobatanidzwa nemamiriro ezvinhu akambovapo akasiyana, asi inogona kunge yakareba kwemwedzi 18. Zvinoreva kuti kwegore nehafu mushure mekuwana inshuwarisi mutsva, iwe unogona kurambidzwa kubhadhara kurapwa kweBD kana chimwe chiitiko.
Izvo zvose izvi zvinoshandura kune yakaoma mamiriro ezvinhu kune mumwe munhu ane zvinetso zvehutano zvisingaperi, uyo aifanira kuisa njodzi yekuenda asina kuvharidzirwa dai vakanga vasingazivi imwe ye "mitemo" yakaoma.
Izvo Zvinotengeswa Care Care Act inoti
Kune vanhu vane mamiriro ezvinhu asingagumi akadai seBD, kukwanisa kwekambani dzehushuwarisi kurega kugoverwa kwakavakirwa pamamiriro ezvinhu akambovapo chiri chinetso chakakomba. IBD haigoni kuporeswa , uye nokuti chirwere chinogara nemurwere munguva yeupenyu hwake hwose, zvinoda nguva nenguva kuongororwa uye kurapwa kwakasimba. Izvo zvinogona kukanganwa kugoverwa zvaive, uye zvichiripo, kugara kunetseka kwevakawanda.
Dhipatimendi reUnited Health Health & Human Services (HHS) rinotaura izvi nezvekuti ACA inosangana sei nemamiriro ezvinhu akambovapo:
"Pasi Penyu Risingakwanisi Kutarisira, makambani ehutano inshuwarano haagoni kukuramba kukufukidza kana kukubhadhara zvakawanda nokuti une" mamiriro ezvinhu akambovapo "- kureva, dambudziko rehutano rawakaiva naro zuva risati ratanga zuva rokutakura hutano. Havagoni kupa vakadzi vakadzi kupfuura varume. "
Pane, zvisinei, zvakadaro kune imwechete kune iyi. IHHS inotaura zvakare iyi caveat:
Mutemo wekutanga wekuparidzira hauiti kune "grandfathered" yehutano inshuwarisi yemitemo.
Chirongwa chikuru chaicho chakatengwa uye panzvimbo yaMarch 23, 2010.
Nzvimbo yakaberekwa inofanira kunge yakanyorwa muzvirongwa zvokugadzirisa zvinhu. Kana iwe uchifunga kuti chirongwa chako chinogona kuberekwa, taura nekambani inotungamirira chirongwa, uye vanofanira kukuudza.
Zvinoreva Izvi kune Vaya vane IBD
Kutanga mwedzi mitanhatu mushure meKubvumbi 23, 2010 - musi wekuti mutemo wekushandura kwehutano hwakatanga kushanda - makambani ezveshuwarisi ehutano anoregererwa kuramba kugoverwa kune vana vane mamiriro ezvinhu akambovapo. Muna 2014, izvi zvakare zvinoshanda kuvakuru vane mamiriro ezvinhu akambovapo.
Uyezve kutanga mwedzi mitanhatu mushure mokutemwa kwemutemo, makambani ezveshuwarisi ehutano haazokwanisi kubvisa huripo huripo nekuda kwehutano hwakagara huripo. Bhuku rinogona kukonzerwa chete munyaya yekunyengera, sekuziva uchireva nhema pamusoro pemamiriro ehutano hwako. Kana kuvharidzirwa kuchizobviswa, kambani yeInishuwarenzi inofanira kuudza munhu ari kunyora.
Sources:
Democratic Party Committee. " Nhepfenyuro yehutano hwehutano nehutano. " March 2010.
Democratic Party Committee. " Rugwaro Rwechokwadi rweVarwere Vokuchengetedza uye Bhuku Rekuchengetedzwa Kwezvakanaka (PL 111-148). " 24 Dec 2009.