I-Obamacare Pros ne-Cons

Ngaba Ubamacac Worth?

I-Obamacare ineenzuzo ezininzi abantu abaninzi abazi . Kungenxa yokuba imiyalezo engathandekiyo malunga ne-Obamacare imilayezo emihle engama-15 ukuya kwelinye. Iminyaka emithathu emva kokuba ivunyiwe, ama-54 ekhulwini aseMelika aphikisana noMthetho. Oku kwakhokelela kwizenzo zikaDonald Trump ukuba zenze buthathaka kwaye iCongress 'yahluleka ukulungiswa kwezicwangciso .

Nalu uluhlu olulinganisiweyo lwezinto ezintle kunye neempembelelo zoKhuseleko lweMonde kunye noMthetho woNonophelo ojongene noNyaka ka-2010 .

Iinkonzo

1. Inzuzo enkulu ye-ACA kukuba iyancipha ukunyuka kweendleko zonyango . Ukwenza oku ngokubonelela nge-inshurensi kwizigidi kunye nokwenza ukhuseleko lokukhusela ngaphandle. Oku kuthetha ukuba abantu bafumana unyango ngaphambi kokuba badinga iinkonzo zamagumbi eziphulo. Ngo-2016, iindleko zempilo yononophelo iinkonzo zanda i-1.2 ekhulwini kunyaka . Oku kungaphantsi kwexabiso lokunyuka kwama-4 ekhulwini ngo-2004.
2. Kudinga ukuba zonke izicwangciso ze-inshorensi zijolise kwii- 10 eziyimfuneko zezempilo . Ezi ziquka unyango lwempilo yengqondo, umlutha, kunye nezifo ezingapheliyo. Ngaphandle kwezi nkonzo, ezininzi izigulane zikhupha kwigumbi lexakeka. Ezi zindleko zidluliselwa kwiMedicaid kwaye ngoko ke umhlawuli werhafu.
3. Iinkampani ze-inshurensi azikwazi ukukhanyela nayiphi na inkcazo yeemeko zangaphambili . Abakwazi ukuwayeka okanye ukuphakamisa ii-premiums ukuba ngabaxhamli baya kugula.
4. Iphelisa imida yokuphila kunye nonyaka. Iinkampani ze-inshurensi zasebenzisa oku kudibanisa iindleko ukuya kwiizigidi eziyi-1 ngonyaka. Abaxhamli abadlulileyo loo mda kufuneka bakhokhe i-100 yeepesenti.

1. Abantwana banokuhlala kwiiprogram ze- inshorensi zempilo yabo yabazali ukuya kuma-26 ubudala. Ngomhla ka-2012, abantu abangaphezu kwezigidi ezi-3 ngaphambili babengenakutshintshwa abantu abancinciweyo. Le nzuzo eyongeziweyo yeenkampani zomshuwalense. Bafumana iiprayimari ezingaphezulu ezivela kubantu abaphilileyo.
2. Amazwe kufuneka amise ukutshintshiselwa kwe-inshorensi okanye asebenzise utshintshiselwano lukaRhulumente. Enye indlela yenza kube lula ukuthenga izicwangciso.

1. Umgangatho ophakathi (ufumana ama-400 ekhulwini kwinqanaba lehlwempu) ufumana iikhredithi zerhafu kwiiprayimari zazo. Yandisa i-Medicaid ukuya kuma-138 ekhulwini kwinqanaba lehlwempu . Inika le ngxelo kubantu abadala ngaphandle kobantwana okokuqala.
2. Iphelisa i-Medicare " umgodi wokungena " kwi-2020.
3. Amashishini anabasebenzi abangaphezu kwama-50 kufuneka anike i-inshurensi yempilo. Bafumana iikhredithi zerhafu ukunceda ngeendleko.
4. Ihlisa isabelo sebhajethi ngo-143 143 billion nge-2022 ngokwe- Ofisi ye-Budget yeCongress . Yenza oku ngeendlela ezintathu. Okokuqala, kunciphisa iindleko zempilo zorhulumente. Okwesibini, iphakamisa irhafu kwamanye amashishini kunye neentsapho eziphezulu zengeniso. Okwesithathu, itshintshe imithwalo yemithwalo kubaxhasi bezempilo kunye neenkampani zoshishino.

Umxhasi

1. Abantu abayizigidi ezintathu ukuya kwezigidi ezi-5 zabantu balahlekelwa yinshurensi yezempilo-based based. Amashishini amaninzi afumene ixabiso elinempumelelo ukuhlawula isohlwayo kwaye avumele abasebenzi babo bathenge iiplani ze-inshorensi kwiintengiso. Amanye amashishini amancinci athola ukuba angafumana izicwangciso ezingcono ngokusebenzisa ukutshintshiselwa kwamashishini karhulumente.
2. Abantu abayizigidi ezimashumi mathathu abazange babe nezicwangciso zeenkampani kwaye baxhomekeke kwiinshorensi yempilo yabucala. Iinkampani zomshuwalense zaxoshela ezininzi izicwangciso zabo ngenxa yokuba imigaqo-nkqubo ayizange ifake ii-10 ze-ACA eziyimfuneko ebalulekileyo. Kwalabo abalahlekelwa yilezi zicwangciso zokunciphisa, iindleko zokufaka endaweni yazo ziphezulu. I-ACA idinga iinkonzo abantu abaninzi abangenayo, njengokhathalelo lokubeleka.

1. Ukwandiswa kwenkcazo kuphakanyiswe iindleko zonyango lwempilo ngexesha elifutshane. Kungenxa yokuba abantu abaninzi bafumana unyango lokukhusela kunye nokuvavanya okokuqala. Kwaye kubiza ukunyanga izigulana ezingazange zinyanzeliswe ngamashumi eminyaka.
2. I-ACA ityala abo bangathengi i-inshurensi. Kodwa abaninzi banqanda irhafu ngokusebenzisa uluhlu olukhulayo lokukhululwa .
3. Izigidi ezine zabantu bakhetha ukuhlawula irhafu kunokuba bahlawule umrhumo. I-Ofisi yeBhajethi ye-Congressional iqikelele ukuba ihlawule i-$ 54 billion.
4. Ngo-2013, i-ACA iphakanyise izinga lentlawulo yengeniso kubantu abayizigidi ezili-1 abanemali engaphezulu kwama-200,000. Kwakhona kwaphakamisa iintlawulo kwizigidi ezi-4 ezizibini ezithatha iifom ezithe zahlanganiswa kwiimali ezingaphezu kwama-250,000. Isilinganiso senyuka ukusuka kwi-1,45% ukuya kwi-2.35 yepesenti kwimali engenayo ngaphezu komda. Baphinde bahlawule i-3.8 pesenti yentlawulo ye-Medicare. Oku kusebenza kumncinci wemivuzo evela kwizabelo , inzuzo enkulu, irenti kunye neerhafu okanye ingeniso ngaphezu komda.

1. Ukususela ngo-2013, abavelisi bezixhobo zonyango nabangenisayo bahlawula i-2.3 yepesenti yentlawulo. Qaphela: Le rhafu yaxinwa ngo-2016-2018. Iinkonzo zokunyuselwa ngaphakathi zihlawulwe irhafu yeerhafu. Oku kunokutyhafisa loo mabhizinisi ukuba aqeshwe ngabasebenzi abatsha.
2. Ukususela ngo-2013, iintsapho ziyakwazi ukufumana iindleko zonyango ezingaphezu kweepesenti ezili-10 zomvuzo. Ngaphambi kokuba, banokukrazula nayiphi na iindleko ezidlula i-7.5 pesenti yengeniso.
3. Iinkampani zonyango zihlawula i-$ 84.8 yezigidi ezimalunga neerhafu phakathi kuka-2013 no-2023. Ehlawulela ukuvala "umgodi wokutya" kwi-Medicare Part D. Iindleko zeziyobisi zingaphakama ukuba iinkampani zidlule kulo mthengi.
4. Ngo-2020, iinkampani zomshuwalense ziza kuvavanywa ama-40 epesenti zerhafu kwi-"Cadillac" izicwangciso zempilo. Ezi zicwangciso zeepriyamu zonyaka ezidlula i-10,200 zamaRandi kubantu ngabanye okanye i-$ 27,500 kwiintsapho. Zininzi zezi zicwangciso zabantu abahlala emachibi aphezulu, njengabasebenzi asebekhulile okanye abo abaneemisebenzi engozi. Uninzi lwerhafu luya kudluliselwa kwiinkampani nakubasebenzi, ukuphakamisa ama-premium kunye nokuncitshiswa. (Imithombo: "UMthetho-osaYilwayo weBhilidi weSithili ukuLawula i-ACA ye-Cadillac Tax & Suspend Two Other Taxes," iKistler Tiffany Benefits, Disemba 21, 2015. "I-Cadillac Tax Explained", i-Kaiser Health News, ngoMatshi 18, 2010. "Yiyiphi i-Obamacare ebizwa ngeNtlawulo, "IMoney Smart, ngoJuni 28, 2012.)

Olungakumbi kwi-Obamacare

I-Trumpcare vs Obamacare: Yiyiphi Engcono Kuwe? | I-Obamacare Isebenza Kanjani? | Ingakanani i-Obamacare Iya kuxabisa? | I-Obamacare ichazwe - Elula ngokwaneleyo Kwabantwana bakho Ukuqonda | Isishwankathelo - Indlela Okukuchaphazelayo | Ngaba i-Obamacare iyakwandisa amatyala esizwe? | Kutheni Ukuguqula Inkathalo yeMpilo

Ukufumana okungakumbi indlela yokugcina imali kwi-Obamacare, funda incwadi yam ethi "Ultimate Handbook Handbook."