Ive ichangobva kunzwa rant kubva kuhutano hwehutano inshuwarano newbie. Akati iye akanga atobhadhara zvinopfuura mari yehushandi yemari yemazuva ose inokonzerwa nehutano huripo mumwedzi yepuraimari gore rino, asi inshuwarhu yehutano yehutano yakanga isiri kubhadhara hofisi yechiremba. Paakadana chirongwa chake chehutano kuti aone kuti nei vakanga vasina kubhadhara, akaudzwa kuti akanga asina kusvika pane zvaakabvisa.
Akafunga kuti premium kubhadhara kwaaiita mwedzi woga woga kunofanira kupiwa chikwereti kune gore raakabviswa. Zvinosuruvarisa, inshuwarhu yehutano haishandisi saizvozvo; premiums hazviverengi kune yako deductible.
Kana Zvikomborero Zvisingaverengi Kubva Kwenyu Deductible, Zvadaro Ndezvipi?
Mitengo yehutano yehutano yehutano inodhura yehutano inshuwarisi. Ndizvo zvaunobhadhara kambani ye inshuwarisi yehutano mukutsinhana kwechibvumirano che inshurensi kuti uite chikamu chemari yehutano yehutano hwako hunoita mwedzi iwoyo.
Asi, kunyange kana iwe uchibhadhara mari yemisimamiro yehutano yehutano, inshuwarano yehutano haibhadhara 100% yemari yehutano hwako. Iwe unobhadhara mari yemari yako yehutano yehutano nemubhizimisi wako apo iwe unobhadhara zvinokonzerwa nekubhadhara mari, zvinyorwa, uye coinsurance , pamwe chete inozivikanwa semari yekugovana mari. Kambani yako yveshuwarhu yehutano yehutano inobhadhara mamwe ose ekurapa kwako kwehutano, chero bedzi iwe wakatevera mitemo yehutano yekuchengeta kuchengetedza kuwana hutano hwehutano.
Kugovana-kugovana kunobvumira makambani emishuwarenzi ehutano kutengesa hutano hwehutano maitiramu nepamusoro pekubhadhara mariyamu nekuti
- Kana uine "ganda mumutambo", iwe urege kudzivirira kuti iwe hausi kunyatsoda. Somuenzaniso, haufaniri kuenda kuna chiremba pane chinhu chiduku kana iwe uchibhadhara mari ye $ 50 nguva dzose paunoona chiremba. Pane kudaro, iwe uchaenda chete kana iwe uchida chaizvo.
- Njodzi yemari iyo inshurensi inotarisana nayo inoderedzwa nehuwandu hwekubhadhara mari-iwe waunofanira kubhadhara. Dhora roga roga iwe unobhadhara kune rako rakabviswa, makopiko, uye coinsurance apo iwe unowana rubatsiro rwehutano ibasa rimwe remadhora rekambani yehutano yehutano inofanira kuripa.
Pasina mari-kugoverana sezvinobviswa, mari yemishuwarenzi yehutano ingatove yakareba kudarika ikozvino.
Ndezvipi Zvaunogona Kuita Kwemari? Uchaitei?
Paunenge uri inshuwarisi, tsanangudzo yekugoverana mari muhutano hwehutano hwehutano kana Hurongwa hweBatsiro neKubvunzurudza inotaurira kuti mari yako yakawanda inobhadharwa nei yehutano yekambani ye inshuwarisi yehutano inobhadhara . Inofanira kubudisa pachena zvakajeka kuti mari yako yakabviswa sei, yakawanda sei makopa ako, uye mari yako yakawanda sei.
Mukuwedzera, hurongwa hwako hwehutano huri kunze kwekugadzirisa hutano hunofanira kunyatsotsanangurwa muhutungamiri hwako kana Mukurumbira weZvibatsiro nekuKutika. Muna 2018, muganhu wekunze-we-pocket haugone kudarika $ 7,350 kumunhu mumwe chete kana $ 14,700 kumhuri, kunze kwekuti iwe uine chirongwa chehutano hwakakura kana hukuru . Iyi miganhu yepamusoro pamusoro pemari yekutengesa mari inowedzera muna 2019 kune $ 7 900 inoshandiswa kune mumwe munhu uye $ 15,800 yemhuri. Mune gore ripi neripi, zvirongwa zvakawanda zvinowanikwa nekunze kwemahombekombe pasi pezvikamu zvepamusoro, asi hazvikwanisi kudarika federal miganhu.
Murairo wekunze-we-pocket unokuchengetedza kubva pamararamiro asina kukwana emari kana zvikwereti zvakanyanya zvehutano zvinodiwa. Mushure mekunge makabhadhara zvakakwana mumadhora, mapepa, uye coinsurance kuti mave nekusvika pabasa renyu risati rapera gore rose, chirongwa chehutano chako chinotanga kuvhara 100% yemari yako ye-in-network, kurapwa kwemishonga kune vamwe vose gore. Iwe haufaniri kubhadhara rimwezve mari yekugoverana gore iroro. Zvisinei, iwe unotofanira kubhadhara miriyamisi yako yemwedzi kana kuti utano hwehutano wehutano huchabviswa .
Saka, chii chakanaka iwe unogona kukwereta, uye chii chaunogona kuwana? Iwe unenge uine chikwereti chiduku kana iwe usingadi kutarisirwa kwehutano kwegore rose.
Muchiitiko ichi, haungatori mari yekugovana mari. Zvose zvaungadai uchikwereta ndezvikwereti zvako zvemwedzi. Tora mari yako yepayimari yemwedzi uye woiwedzera nemwedzi gumi nemaviri kuti uwane mari yako yegore rose yehutano inshuwarisi.
Iwe unenge uine chikwereti chakanaka kana iwe wakanyatsoshandisa kurapwa kwehutano nokuti iwe unoda kutarisirwa kazhinji kana iwe une imwe nguva inodhura chaiyo yekutarisira, sezvinodiwa kurapwa. Muchiitiko ichi, iwe waunokwereta mukugovana-mari-mari ndeyekuita kwepurogiramu yako. Wedzera huwandu hwenyu hwekugadzirisa huwandu hwehuwandu hwemitengo yenyu yegore, uye iyo inofanira kureva chikamu chepamusoro kune chaunogona kubhadhara mari yekuchengetwa kwehutano gore iroro.
Chenjerera, zvakadaro. Haasi mari yose yehutano yakavharwa. Somuenzaniso, mamwe marudzi ehutano inshuwarheni haazombobhadhari kutarisira kunze kwekunge iwe uchiwana kubva kune -in-network provider (uye kana urongwa hwako hwehutano hunovhara kunze-ye-network kutarisira, iwe uchava nechepamusoro inotorwa uye kunze kwe -pocket exposure for out-of-network services). Vakawanda vehutano vehutano havazobhadhara mabasa asina kunyanya kukosha. Zvimwe zvirongwa zvehutano hazvizobhadhara kune mamwe marudzi ekutarisira kunze kwekunge wawana mavambo asati apiwa .
Ndiani anoronga Premium yeWeutano Inishuwarenzi Yenyu?
Iko mubayiro wekutanga ndiyo mari yekutenga inshuwarisi, pasinei nokuti unoshandisa chirongwa here kana kwete. Asi pane dzimwe nguva, vanhu vanochengetedzwa nemutemo havafaniri kubhadhara zvikomborero zvakakwana ivo pachavo. Inenge hafu yeAmerica inowana inshuwarhu yehutano kuburikidza nepurogiramu inotsigirwa nebasa, zvichida somushandi, kana semudzimai kana anovimba nemushandi.
Maererano ne 2013 Kaiser Family Foundation mubhadhari anobatsira purogiramu, vashandi vanobhadhara muvhareji yevanoda kusvika makumi manomwe kubva muzana emhuri yepamhuriyamu yemhuri kune vashandi vane basa rehutano hwehutano. Zvechokwadi, zvinogona kukakavhirwa kuti mishandirapamwe yevashandi yepamusoro inongova chikamu chekubhadhara kwebasa, izvo ndezvechokwadi. Asi vhizimusi vanofunga kuti vashandi vangangowana mari iyo yose mune mimwe mibairo kana vashandi-vanotsigirwa inshuwarano yehutano vaifanira kubviswa, nokuti inshuwarhu yehutano inobhadhara mutero-inobatsira chikamu chemari yekubhadhara chikwereti.
Pakati pevanhu vanotenga inshuwarisi yavo yehutano mumusika mumwe nomumwe, zvirongwa zvinowanika kuburikidza neAACA kushandiswa uye pasina-kushandiswa . Pakati pevanhu vanotenga kugoverana kuburikidza nekukwikwidzana, 84 muzana vakanga vachiwana zvikwereti zvemitero yepamusoro (rubatsiro) muna 2017 kuti vatore chikamu chemarikiti avo. Pakati pevanhu vari muhurumende vanovimba zvizere neHealthCare.gov, muvhareji wekutanga-kubhadhara mari yepamusoro yaive $ 476 / mwedzi muna 2017, asi muvhareji mushure mekubhadhara mari yaive ye $ 153 / mwedzi. Zviri pachena, rubatsiro rwekutanga rubatsiro runofukidza huwandu hwepurayamisi kune vazhinji vanyora.
Asi vanhu vanozvitenga ivo pachavo kunze kwekutengeserana vari kubhadhara zvikwereti zvizere ivo, sekunge vanhu vanotenga kugoverana kuburikidza nekukwikwidzana asi vane mari yepamusoro inopfuura 400 muzana yehurombo uhu (nokuda kwekutsanangurwa, iyo yakagurwa-pfumbamwe inokwana $ 98,400 mhuri yezvakawanda zve 2018 chinyorwa).
Dzidza zvimwe
- Chii Chinopararira Kune Utano Hwako Inishuwarenzi Deductible?
- Utano Hwakanaka Unowana Pasina Kubhadhara Deductible Yako
- Nzira Yokuenzanisira Mari Yako Yokubhadharwa
- Ndezvipi Zvisingaverengi Kubva Pamuviri Wako-Muhomwe?
- Deductible vs Copayment-Chii chakasiyana?
> Sources:
> Centres for Medicare neMedicaid Services, 2017 Kunyorwa kwakanyoreswa Snapshot . June 12, 2017.
> Centers for Medicare neMedicaid Services, 2017 Market Market Open Open Period Public Use Files.
> Federal Register, Mutevedzeri Kudzivirirwa uye Zvisingakwanisi Kutarisira Mutemo; HHS Chinyorwa cheBatsiro neKubhadhara Zvikamu zve 2019 (mutemo wakarongwa). November 2, 2017.
Federal Register, Mutevedzeri Kudzivirirwa uye Kutengeswa Kwekutarisira Mutemo; HHS Chinyorwa cheBatsiro neZokubhadhara Zvikamu zve 2018; Kugadziriswa Kunyoresa Kwemazuva Akazotevera uye Mutengi Akashandiswa uye Akarongeka Zvirongwa Purogiramu. December 22, 2016.
> Kaiser Family Foundation, Health Insurance Coverage ye Total Population. 2016.
> Kaiser Family Foundation, 2017 Employer Health Benefits Survey. Svondo 19, 2017.