Ziva ruzivo nemashandisirwo ako ekuchinjana
Kana iwe uchitenga wehutano inshuwarisi yako, unogona kunge wakanzwa nezvezvirongwa zvakagadziriswa, zvichienderana neunogara. Zviverengeka zvehutano hwehutano hwehutano hwehutano hwehutano huri kutopa mapurogiramu akafananidzwa kune imwe nguva. Asi apo kunyoresa kutseuka kunotanga musi waNovember 1, zvirongwa zvakagadziriswa zvichave zviripo kwekutanga muzvinyorwa zvinoshandisa kushandiswa kwehurumende, uye kutanga kwe "Simple Choice" zvirongwa.
Kuenzanisa Kunoshanda Sei?
Rongedza hurongwa huri kungoita zvazvinonzwika. Mirayiridzo inoratidzwa maererano nehuwandu hwehuwandu hwemashoko, uye mapurogiramu ose akaenzana anofanirwa kugovera kugoverwa kumwechete kwezvinhu izvi zveurongwa.
Healthcare.gov iri kupararira zvirongwa zvakarongeka zve 2017, kunyange zvazvo kutora chikamu kuchava kusarudza, kunyanya pakutanga. Apo Dhipatimendi Rezvehutano neHuman Services rakabudisa Bhuku Rinobatsira uye Rokubhadhara Riripo muna 2017, vakagadzirisa tsanangudzo dzematanho matanhatu akaenzaniswa mapirongwa ayo vatakuri vaizogona kupa (tsanangudzo dziri papeji 309 dzeBhuku Rinobatsira uye Kubhadhara Parameters ). Sezvo zvichibvira, HHS yakashanda kuchengetedza hurongwa hwakarongeka hunogadzira zvakafanana nezvirongwa zvaive zvatoitwa muna 2015.
Kune vanotakura vanoshandisa shanduro yezve federally-facilitated (kureva, Healthcare.gov), pachava nekugadzirisa hurongwa hwehutano hwemhando imwe neimwe yendarira, sirivha, uye ndarama yesimbi yesimbi, pamwe nezvimwe zvitatu zvakagadziriswa zvirongwa zvakagadziriswa pachiyero chesirivha kuvanhu vanofanirwa kubhadhara mari dzinobhadhara mari .
Kushandiswa kwemasangano ehurumende hakuzove nehutano hwakarongeka hweHSA-inogadzirisa hurongwa hwekugadzira muna 2017, kunyange zvazvo zvirongwa zveHSA-zvakakodzera zvichiri kuwanika kutengwa pakati pezvirongwa zvisingaenzaniswi zvichawanikwa.
Nokuda kwezvakagadziriswa Simple Choice zvirongwa, zvakawanda zvekugovera zvichave zvakafanana pasinei nokuti utano hwehutano hupi hupi hunopa urongwa.
Semuenzaniso, zvose zvigadziriswa zvegoridhe zvirongwa mumashandisirwo ezvesarudzo zvinoshandiswa ne federally-runoshandisa madhora mazana matatu nemazana mashanu emadhora, $ 30 mahofisi ekufambisa anoshanyira copays, uye $ 15 / $ 50 / $ 100 copays ye generic / inoshandiswa zita rechirwere / risingadikanwi mazita emishonga yemishonga (coinsurance yezvimwe zvinodhaka zvinodhaka ichava makumi mana kubva muzana emiganhu yeyesirivha yakaenzana).
Apo vashandi vanogogodza ku Healthcare.gov kugwa uku ( kuzarura kuzarura kunotanga munaNovember 1 ), vachaona Izvo Zvisarudzo Zvirongwa zvinoratidzwa zvakananga pakati pezvinhu zvinowanikwa; kushandurirana kwakazvipira kuita kuti zvive nyore kuvanhu kuti vaone kuti zvirongwa zvipi zvakarongeka uye zvisiri izvo.
Ndezvipi Zvigadziriswa Zvirongwa Zvinosiyana Nezvimwe?
Kunyange zvazvo zvirongwa zvakarongeka zvinogadzira maapuro-to-apples zvakajeka zvikuru, iwe uchiri kungofanirwa kutarisa kune zvakarongwa zveurongwa. Zvirongwa zvinogona kusiyana kubva kune imwe nzvimbo dzisingatauri zvakananga neurongwa hwekusimudzira mitemo. Muchengetedza mitero uye mapukisi (zvakanyorwa nemishonga inodhaka) ichasiyanawo kubva pane imwe chirongwa kuenda pane imwe.
Saka kunyange iwe ungave uchifananidza zvirongwa zvitatu zvesirivha zvekuti zvose zvinenge zvakasiyana-siyana zvehomwe yezvinodhaka zvemishonga, iwe uchada kutarisa mapurisa emukambani imwe neimwe kuti uone kana akafukidza mishonga chaiyo yaunoda, uye kana saka, chirevo chipi chinoshanda.
Nokuda kweSarudzo Chokuita Zvirongwa zvekuti Healthcare.gov inotarirwa muna 2017, mumwe chete mupanduki wekutengesa anobvumirwa purogiramu, saka hakuzovi nehutano hwepurogiramu pakati pezvigadziriswa zvakasarudzwa. Asi mitambo yacho pachayo ichasiyana kubva kune imwe chirongwa kune imwe.
Haisi Utano Hwakanaka Hwave Hwakasimbiswa Here?
Iko inotengeswa Care Care Act yakatotora humwe hutano hwehutano kune mumwe munhu wehutano inshumo yemisika, nekutumirwa kwesimbi-level classifications nokuda kwezvirongwa zvehutano . Zvose zvirongwa zve inshuwarano yehutano nemazuva anobudirira aJanuary 2014 kana gare gare-kusanganisira zvirongwa zvinotengeswa kunze kwekutsinhanisa -kukodzera kune imwe yenhengo yezinga resimbi kana kuva chirongwa chakaipa .
Nokuti zvese zvirongwa zvehutano zvitsva ndeyendarira, sirivha, goridhe, platinum, kana kuti zvinotyisa, zviri nyore kuti vatengi vaenzanise maapuro nemaapuro kupfuura zvaiva pamberi pegore ra2014. Asi kushamba kwezinga resimbi kunotsanangurwa zvichienderana nezvinoarial value (AV) yeurongwa . Uye icho hachisi chiyero chinowanzoreva zvinorehwa kune mumwe munhu. Zvigadzirwa zvemhangura zvakagadzirwa neAV zvinokwana makumi matanhatu kubva muzana (izvo chaizvoizvo zviyero, kubva pa 58 kusvika ku 62 muzana; +/- 2 muzana yepakati inoshandiswa kune dzose dzezvikamu), zvirongwa zvesirivha zvine AV ye70 muzana, zvirongwa zvegoridhe zvine AV 80 muzana, uye zvirongwa zveplatinum zvine AV ye 90 muzana.
Saka chirongwa chesirivha chinogona kutarisirwa kubhadhara zvinenge makumi manomwe kubva muzana zvehutano hwehutano hwehutano hwehuwandu hwehuwandu hwevanhu. Asi iyo ivhareji, kusanganisira vanhu vane mari shoma shoma yekushandisa mari, pamwe nevanhu vanogona kutarisirwa kuchengetwa kwemamiriyoni emadhora pagore.
Munhu ane mari shoma shoma yekushandisa mari anogona kubhadhara zvakawanda kana zvose zvaanozvitarisira panguva yegore, zvichienderana neurongwa hwake hwekugadzirisa (kureva, kana ane $ 3,000 akashandiswa uye anongoshandisa $ 1 000 yehutano hwehutano huripo hunoshandiswa, d kubhadhara mari yakazara pachayo). Kune rumwe rutivi, munhu ane mari yehutano yehutano anosvika mamiriyoni emadhora pagore achangobhadhara chikamu chiduku chemari yake, sezvo hurongwa hwake hwehutano huchabhadhara chikamu chezana chemari yake mushure mokunge awana huwandu hwemapurisa chirongwa chake.
Kunyange zvazvo zvirongwa zviri mukati memutengo wakafanana wesimbi zvakangofanana neAA yakafanana, kufungidzirwa kwezvinhu zvakasiyana kunogona kusiyana zvikuru kubva pane imwe zano kune imwe. Somuenzaniso, zvakajairika kuona zvirongwa zvesirivha nezvidhakwa zvinotangira kubva pa $ 1,500 kusvika ku $ 4,500. Vamwe vane copays yekushanyira office , asi vamwe havana. Vamwe vane nzvimbo yakakwirira yepamusoro-ye-pocket inobvumirwa , nepo vamwe vane zvishoma pasi-zve-pocket caps. Muchidimbu, kune nzira dzakawanda dzakasiyana dzokuti chirongwa chinokwanisa kuwana AV mukati meimwe mitambo yakagadzirirwa hurongwa hwehuta-level.
Saka kunyange vatengi vanoita zvishoma kutsvaga kwavo kune imwechete yesimbi inogona kuenzanisa zvirongwa izvo zvose zvinopa zvakafanana zvakakosha, vanogona kuve vachiona kuti urongwa hwekuenzanisa urongwa hunogona kuva hunotyisa, kunyanya muhurumende dzine vazhinji vehutano inshuwarisi vatakuri vanobatanidzwa mukutsinhana.
Kuiswa kwehutano hwakagadziriswa zvirongwa ndezvekuedza kuita kuti urongwa hwekuenzanisa urongwa huve hwakajeka, uye hunogona kubatsira kuderedza kupararira kwekuronga kuronga zvirongwa.
Nyika Iyo Yave Iine Zvigadziriswa Zvirongwa
Makati akawanda akatotora zvirongwa zvakarongeka pakugoverana kwavo. Urongwa hwekugadzirisa hunosiyana kubva kune imwe nyika kuenda kune imwe nyika, asi chinonyanya kukosha ndechekuchengetedza kubhadhara, copays, coinsurance, uye zvachose kunze kwehomwe mari inofanana kune dzimwe nzira dzakarongeka pane imwe nzvimbo yekugoverwa. Nokudaro somuenzaniso, zvirongwa zvegoridhe zvakagadzirwa muOregon zvinoshandiswa ne $ 2 500 kubva muna 2017 uye $ 35 rekufambisa hofisi inoshanyira mari.
Zvizhinji zvehutano hwakarongeka hunogadzira hutarisiro hwekunze kwekuchengetedzwa kwemashoko nemapayipi, panzvimbo yekuishandura iyo kune iyo yakabviswa. Yakawanda inotaura nehurongwa hwakarongeka hweurongwa hunobvumirawo vatakuri kupa zvirongwa zvisiri izvo zvinoenderanawo:
- MuCalifornia , shanduko inobvumira chete vatakuri kupa zvirongwa zvakagadziriswa.Kuvaraidzwa kweCalifornia-iyo-shanduko yekushandura-haibvumiri zvirongwa zvisiri izvo zvinotengeswa, uye zvakanyanya kutsigira kuiswa kwezvirongwa zvakarongeka muhurumende dzinoshandisa Healthcare .gov panzvimbo pokushamwaridzana navo pachavo.
- New York inoda vatsigiri vehutano kuti vape urongwa humwe hwakarongeka pane imwe nheyo yesimbi, kunyange zvazvo vatsigiri vanobvumirwawo kupa zvikamu zvitatu zvisingatariswi zvirongwa. 61 muzana yevanhu vakanyoresa neNew York State Health yegore ra2015 vakasarudza zvirongwa zvakarongeka.
- Massachusetts inotanga zvirongwa zvehutano hwehutano hwehutano hwehutano muna 2010, uye dzinoramba dziripo kuburikidza nekushandurwa kwehurumende, Massachusetts Health Connector. Asi vatakuri vatengesa zvirongwa mukushandura kweMassachusetts vanewo sarudzo yekupa zvirongwa zvisiri izvo zvakarongeka.
- Munharaunda yeColumbia , shanduko-DC Health Link- yakagadziriswa zvirongwa zvakarongeka muna 2016 , asi vatakuri vane zvishoma zvekugadzirisa kupa zvipo zvisingaenzaniswi aswell. Kushandurana kunoda chete mutakuri kuti ape chirongwa chakatarwa pane imwe yero yesimbi iyo iyo mutakuri ari kupa zvirongwa.
- Chikamu cheku Connecticut -Access Health CT-inoda vatakuri kupa sangano rimwe chete regoridhe rakaenzana, imwe chirongwa chegoridhe chaiyo (iyo inofanirwa kunge iri mari yakaderera yegoridhe inotakuriswa nemutakuri), uye mapurani maviri emararoni akaenzana, imwe iyo inofanira kunge iri HSA-inoenderana . Zvinotakura hazvibvumirwi kushandisa vheji vemikova yezvirongwa zvavo zvakarongeka; vanyoresa vanofanira kubvumidzwa kushanyira vadzidzisi vasina kutumirwa kubva kuchiremba wekuchengeta vana. Chero bedzi vatakuri vanosangana nepurogiramu yakarongeka, vanogona kupawo mapurogiramu maviri asina kukodzera platinum, uye kusvika kune zvitatu zvisingaenzaniswi zvirongwa mune imwe neimwe yendarira, sirivha, uye ndarama.
- Oregon pakutanga aive nekushandura kwakakwana kwehurumende, asi iye zvino anoshandisa Healthcare.gov sekunyora kwayo. Nyika yakagadzira zvirongwa zvakarongeka muzvikwata zvendarira, zvesirivha, uye zvegoridhe, asi bhizimisi rekugovera kugoverana muchitsinhanho inogona kupawo kune mapurogiramu maviri asina kukodzera uye zvirongwa zviviri "zvitsva" mune imwe nharaunda yekugovera.
- Vermont 's-run-run exchange exchange, Vermont Health Connect, ine bhandi, sirivha, ndarama, uye platinum zvirongwa , pamwe nezvimwe zvirongwa zvakarongeka pabhandi neyesirivha inonzi HSA-inoenderana. Vakatakura vaviri vari kuchinja chekudenga vanopawo zvisarudzo zvisiri izvo zvakasarudzwa.
HHS iri kuita zvirongwa zvakagadziriswa zvakanyanya zvikuru-zvevatakuri nevatengi-muna 2017. Zvichienderana nekushanda kwakadini nemaScellaneous Choice zvirongwa zvakagamuchirwa, vangava vvumo mumashandisirwo ekushandiswa kwehurumende mune ramangwana.
Uye kunyange zvazvo vamwe vatsoropodzi vachironga kuti zvirongwa zvakarongeka zvinopesana nezvishandiso muhutano hwehutano inshuwarheni, zvakakosha kuziva kuti inenge yese yekutengeserana kwehurumende inenge iine zvirongwa zvinotarisirwa zvakagadzirirwa zvakare inobvumira vatakuri kutengesa zvirongwa zvisiri izvo zvakarongeka.
> Sources:
> Kuwana Utano CT, Kukumbira kuHurongwa Hwehutano Zvirongwa zvekushanda muMunhu mumwechete uye / kana Small Small Health Options Programs (SHOP) Misika, Nhepfenyuro Gore 2016 .
> Covered California, Health Insurance Companies uye Plan Rates ye 2016 .
> Dhipatimendi reZvipatano neHuman Services, Mutevedzeri Wekuchengetedzwa uye Anogadziriswa Kuchengetedza Mutemo, Chiziviso cheBatsiro Nekubhadharwa Kwemari ye 2017 https://s3.amazonaws.com/public-inspection.federalregister.gov/2016-04439.pdf .
> New York State Health, Chikumbiro uye Zvaidiwa kune Insurer Certification uye Recertification for Participation muna 2016 .
> Oregon Division of Financial Regulation, Oregon Yakagadziriswa zvirongwa zvehutano, Chidimbu cheBhuku.