Mubvunzo wakajairika, nemhinduro iri nyore
Vanhu vazhinji vanonyatsoshandiswa kuita pfungwa yokuti chirevo chikuru pamotokari yemotokari yavo kana mutemo weimba inogona kukonzera kukura kwekutanga (nhamba yekuti izvi hazvisi nguva dzose). Saka zvakajairika zvakajairika kuti zvakafanana kune inshuwarano yehutano.
Asi hazvisizvo, uye haisi iyo nyaya kunyange pamberi peNotengeswa Care Care Act yakashandura mushuwarisi wehutano inshuwarheni.
Hapana premium kuchinja kunobva pane zvavanotaura
Kunyangwe gore ra2014, apo inshuwarhu yehutano mumusika mumwe nomumwe yaive yakanyorwa pasi mune zvese mumamiriro ezvinhu, pakange pasina urongwa hwekugadzirisa imwe yeruzhinji yaishuwasi inobva pakutsvaga. Kamwe munhu wacho aive akachengetedzwa, pakanga pasina nzira yekugadzirisa chiyero chomunhu iyeye pasina chikonzero cheimwe nzvimbo yekuisa pangozi.
Mazuva ekare - kunyorwa pasi kwechiremba
Pamberi pegore ra2014, kwaive nekushandura mune zvese kunze kwemashanu mashanu kune vehutano vezvehutano kuti vatange matanho ekutanga maererano nenhoroondo yezvokurapa. Saka uyo anoshanda nemamiriro ezvinhu aimbove akambove angave akapiwa urongwa, asi ane premium yaive yakakwirira kudarika mitengo yakawanda.
Ichi chaiva chimwe chinhu chinotarisana nemamiriro ezvinhu akagara asati asvika, uye chikwata chekutanga chinowedzera kazhinji chakabva kubva pa10 kusvika ku100%, zvichienderana nekuoma kwemamiriro ezvinhu (uye zvinenge 13% zvevashandi vakanga vasingakwanisi kuwana chirongwa zvachose mumunhu mumwe oga misika pamberi pa2014).
Asi iwe pawakanga uine bhizimisi, remangwana remangwana risingazogoni kuwedzera kuwedzera kwechirongwa kune hurongwa hwako. Kana hurongwa hwako hwaisanganisira kuwedzera kwekuwedzera kwekuwedzera, izvo zvaizogara newe (saka kana iyo yako yepayimusi yakashandurwa zvichikwira ne25% panguva yekunyora pasi, iyo inoramba iine 25% yakakwirira kudarika muyero wakatarwa mumakore anotevera).
Asi kana iwe pave paya uine chikonzero - kunyange chikuru kwazvo-yako chidimbu chinoshandurwa kuitira gore rinotevera raizove rakafanana nekuchinja kwehuwandu kune vamwe vose vane chirongwa chimwechete munharaunda yako.
Ita kuti kuwedzera kwave kuchiendeswa mberi nemitemo, asi zvikwereti zvose zvinopararira kune insureds yose mune rimwe dziva rakapiwa, iro rinowanzobatanidza nevamwe vanhu vane chirongwa chimwechete munzvimbo imwe chete. Saka kana vazhinji vevanhu vari mumudzidzi wekutengesa vaine zvirevo zvakakosha, munhu wose anokwanisa kuwedzera zvakanyanya mugore rinouya. Asi ivo vaizowedzera nezvikamu zvakafanana kune umwe neumwe ari muhomwe iyo pangozi, zvisinei pasinei nokuti vaine chikonzero chikuru, chirevo chiduku, kana kuti hapana chirevo zvachose.
Izvo zveAACA kuchinja
Pasi pemutengo unochengetedza mutemo, hapasisina kushanduka kwevashandi vekuchengetedza huwandu hwekutsvaga mazinga zvichienderana nemuongorori wezvokurapa kana nhengo dzepabonde (izvi ndezvechokwadi mumatengesi ega ega uye mushamba muduku weboka). Mitengo inogona kungosiyana chete maererano nezera, nzvimbo (kureva, zip code yako), uye kushandiswa kwefodya (mamwe masangano akatora danho iri mberi, uye akarambidzwa kubhadhara fodya muhutano hwehutano hwehutano ).
Saka nhasi, munhu anoshanda ari pakati pekurapwa kwekenza achabhadhara mutengo mumwechetewo kune mumwe munhu anokumbira uyo ane utano hwakakwana, chero bedzi achisarudza chirongwa chimwe chete, anorarama munzvimbo imwechete, vose vari muzera rimwechete, uye vane fodya imwechete status.
Uye sezvo nguva inopera, vacharamba vachive nemitengo yakaenzana kune imwe neimwe, pasinei nokuti imwe yeiyo inofanirwa kudai nekambani yehushuwarhu yehutano. Mari yavo inenge ichinyatsove yakakwira nguva , asi iyo haifaniri kunge yakavhiringidzika nehuwandu hwekuwedzera inokonzerwa nechirevo.
Sezvo vanyoresa makore, vana vavo vanowedzera. Zera ndeimwe yezvinhu izvo makambani ehutano inshuwarano anogona kushandiswa kuisa mitero, asi vatakuri havagoni kupa vanhu vakwegura kupfuura katatu zvakanyanya sezvavanowedzera vaduku.
Uye huwandu hwehuwandu hwevanhu vose vari muurongwa huchakwira kubva kune rimwe gore kuenda kune humwe , zvichienderana nezvose zvakataurwa izvo zvakaiswa nevose vari kuronga.
Asi ivo vachakwira nehuwandu hwehuwandu hwevanhu vakaisa zvikwereti zvikuru, vanhu vakaisa zviduku, uye vanhu vasina kutora mhaka zvachose.
Chero bedzi hurongwa hwako husingaregi, iwe uchakwanisa kuramba uchishandura kubva kune rimwe gore kuenda kune inotevera (cherechedza kuti izvi hazvirevi kune hurongwa hwehutano hwehutano hwepfupi ), uye kuvandudzwa kwemitengo yako hakuzovi nemigumisiro nekutaura kwako panguva yegore risati rasvika - pane kudaro, chiyero chako chichashandurwa nehuwandu hwehuwandu hwevamwe vose vari muurongwa hwemagariro ako.
Uye kubva kune rumwe rutivi, kuwedzera kunowedzera kunoitika kubva kune rimwe gore kuenda kune rinotevera, kunyange kana iwe usingaiti chero zvirevo zvachose. Zvakare, chiyero chako chinowedzera chinotarirwa nezvose zvayo zvehuwandu hwekudzivirira dzimba; kunyange iwe ungasave wakanga uine zvawakataura, vamwe vanhu vakaita. Uye kunyange izvo zvingaratidzika zvichivhiringidza mumakore asina zvaunotaura, iwe uchakoshesa chokwadi chokuti kuwedzerwa kwekuwedzera hakuzi munhu oga (zvichienderana nezvirevo) mumakore apo iwe une chikonzero chikuru.
Shandisa chirongwa chako - asi usanyanyisa
Iko kunotora pano ndechokuti iwe haufaniri kutya kutya kupa kuda kana zvichidiwa. Iwe haufaniri kunetseka kuti iwe uchazopedzisira uine premium yepamusoro yehutano yemainishuwarenzi semugumisiro.
Asi kuda kwako kuchava chikamu chemifananidzo yose yezvirongwa zveurongwa hwako hwehutano kana gore razvino rasvika rakatangwa, saka kudzivisa kuwedzera overutilization (kureva, zvinhu zvakadai sokuenda kuchivanze chekukurumidzira kana kuchengetedzwa nokukurumidza kana kuti chiremba wekutanga anokwanisa) nzvimbo yako yekutengesa.