Indlela i-Obamacare ikhusela ngayo abo banezimo eziPhambi kwexesha
Ngaphambi kwe- Obamacare , iinkampani ze-inshorensi zingakukhanyela ukuba unobungozi ukuba unemeko ebesele ikhona. Oku kwachaphazela abantu abayizigidi ezingama-50, kuquka nabantwana abayizigidi ezili-17. Kulabo abaneemeko zangaphambili ezazingekho zangasese, i-47 ekhulwini ayifumananga.
Babenqatshelwe ukukhawulelwa, bahlawuliswa i-premium ephezulu, okanye ukuba iimeko zabo zingabandakanywa ngenxa yalo.
Ngaphandle kwe- inshurensi yezempilo , babengenakho ukufumana unyango, oko kwakuthetha ukuba baxhamle kwigumbi lokuphucula. Iindleko zabo zihlawulwa yi-Medicaid okanye zixhaswe zizibhedlele. Oku kwaphumela ekuhlawuleni iindleko zempilo ephakamileyo kumntu wonke
Kutheni ukuba iinkampani ze-inshorensi zamkele ezi zigulane eziphezulu? Ngenxa yokuba u- Obamacare ugunyazisa ukuba wonke umntu kufuneka athenge i-inshorensi. Iinkampani zomshuwalense zazi ukuba ukuhanjiswa kwegunya kufuneka kubathumelele abathengi abanempilo abangenise izicelo zamabango. Bafumana iiprayimenti ezaneleyo kubantu abaphilileyo ukufihla indleko zabagulayo abangaphezulu. Igunya liyinxalenye ebalulekileyo kwindlela u-Obamacare esebenza ngayo .
Kutheni kufuneke ukuba kubanjwe ukukhutshwa kwegunya? Ngaphandle kwayo, abantu babeza kulinda baze bagule ngaphambi kokufaka isicelo se-inshurensi. Akunjalo indlela i-inshorensi isebenza ngayo. Kufana nokuvumela abantu ukuba bathenge inshuwalense yemoto emva kokuba benze ingozi.
Isicwangciso soNgcono lweMpilo kaMongameli uTrump esithembisa ukuphelisa isigunyaziso kodwa sigcine i-inshurensi kulabo abaneemeko ezikhoyo ngaphambili. Iinkampani zomshuwalense zenza amazwe avumela amazinga aphezulu ukuba alungiselele.
I-Congress ayizange idlule isicwangciso sezononophelo lwezempilo, kodwa yavuma isicwangciso sokubuyiswa kwentela kaTump . Iphelile irhafu kubantu abangenayo i-inshurensi.
Ngokususa isohlwayo, iCongress yinquma imilenze ngaphandle kwegunya.
Yiyiphi iQinisekisa njengoMqathango oPhambi kwexesha
Iinkampani zomshuwalense zinokuqwalasela nayiphi na uvavanyo, ukuxilongwa, okanye umqathango wokuthintela imeko ekhoyo ngaphambili. Bakwenza oku ukunciphisa umngcipheko. Nazi iimeko eziqhelekileyo ezikhoyo ngaphambili, kunye neziganeko zazo ukuba zikhona. Nayi iimeko eziqhelekileyo ezikhoyo ngaphambili, kunye nokuxhaphaka kwazo ukuba zikhona.
- UGawulayo (1.1 yezigidi zabantu): Amaziko okuLawula nokuThusela izifo axwayisa ukuba omnye kwisithandathu akaqondi ukuba unayo.
- I-Alzheimer's (izigidi ezi-5): Le yindlela eqhelekileyo yokudemeka kwengqondo, ngokwe-CDC.
- Utywala (17.6 yezigidi): Oku kuquka ukusetyenziswa kakubi kotywala okanye ukuxhomekeka. Oko kuthetha ukuba abantwana abayizigidi ezi-7 bahlala kwindlu apho umzali uxhomekeke kutywala. Ngenxa yoko, isiqingatha sabo bonke abantu abadala banomdla wentsapho.
- I-Cancer (izigidi eziyi-1.6 ezixilongwa rhoqo ngonyaka): Oko kwongezwa kwi-14.5 yezigidi zomdlavuza zomhlaza.
- Isifo sikashukela (20.9 yezigidi): Ngokutsho kweCDC.
- Ukuxhatshazwa kwezidakamizwa / ukusetyenziswa kakubi (izigidi ezingama-20): Ipesenti ezisibhozo zabantu abaneminyaka eli-12 ubudala basebenzise iziyobisi ezingekho mthethweni kwiintsuku ezingama-30 ezedlulileyo. Ezinye iipesenti ezingama-20 zisebenzisa izidakamizwa zonyango ngenxa yezizathu ezingezonyango. Ezi ziquka i-painkillers, sedatives, kunye nezikhuthazo.
- Izifo zesibindi ezinamafutha: Uninzi lwabantu abaxhatshazwayo basebenzisa izidakamizwa ezingama-20. Ezinye iipesenti ezingama-20 zoluntu zinesibindi esingasinxilisayo. Kubangelwa isifo sikashukela, ukukhuluphala, i-cholesterol ephezulu, i-hepatitis, okanye ukungondleki. Yilapho iiseli ezinamafutha zenza ngaphezu kweepesenti ezili-10 zesibindi sakho. Ingakhokelela kwi-cirrhosis nesifo sesibindi.
- Ukuhlaselwa Kwintliziyo (920,000 ngonyaka): Kukho abantu abayizigidi ezi-7.9 abahlaselwa yintliziyo.
- Izifo ezivuthayo / izifo zeCrohn: Kukho izigidi ezi-1.3 ezixhatshazwayo.
- Abaqaphi: (188,000 ngonyaka).
- Ukungaphumeleli Kwezinso (113,000 ngonyaka): Abantu abangaphezu kwezigidi ezingama-20 banesifo sengqondo esingasasigxina. Oku kuquka enye yesithathu yabo bonke abantu abaneesifo seswekile kunye neepesenti ezingama-20 zalabo abanegazi eliphezulu.
- I-Rheumatoid Arthritis (1.5 yezigidi): Ukongeza kwi-26.9 yezigidi zabantu abane-osteoarthritis.
- Isibetho (abantu abangama-800,000 ngonyaka): Phantse i-130,000 iyingozi.
Iinkampani ze-inshurensi zinokubheka umntu onempilo njengemeko ekhoyo ngaphambili. Baye bakhanyela ukuhanjiswa kwiipesenti ezingama-26 zalabo bafuna inshuwalense yabucala Ezi zilandelayo ziqwalaselwa njengeemeko zangaphambili, nangona bezingekho izifo:
- Ukukhubazeka ngengqondo, (4.6 yezigidi): ichazwa njenge-IQ ye-70 okanye ngaphantsi.
- Ukululekwa kwezeMpilo yengqondo: Imbali yezidakamizwa, utywala okanye ukugula kwengqondo kwakuyisizathu sokungavumi.
- Ubunzima (abantu abadala abayizigidi ezingama-40, kunye nabantwana abayizigidi ezili-12,7): Abanamanani amanqaku angaphezulu kwe-Body Mass Index baye bachithwa okanye bahlawuliswa ngaphezulu. Iindleko zonyango zonyango zomntu ogqithisileyo zi-$ 1,429 eziphakamileyo kunomyinge.
- Ukukhulelwa (izigidi ezingama-6.5 ngo-2008 idatha yakutshanje): Abafazi baya kufuneka balinde unyaka emva kokufumana i-inshurensi phambi kokuba bafumane ukukhulelwa.
Njani iinkampani ze-inshurensi zifumana ngapha kwayo
Iinkampani ze-inshurensi ziye zafumana iindlela malunga nokuvalwa kwe-ACA. Ngokomzekelo, ezinye iinkampani zibeka iziyobisi ezifunekayo zizigulane ezibiza kakhulu kwi-tier ebiza kakhulu. Oku kuquka abo abane-HIV / AIDS okanye i-multiple sclerosis. Abatshorensi abathathu eFlorida badinga ukuba izigulane ze-HIV / AIDS zihlawule iipesenti ezingama-40 zeendleko zonyango ngaphandle kwe-pocket. Kukho u-$ 1,000 ngenyanga. Bazama ukuqhubela izi gulane kwezinye iiplani ezihlawulwa ngaphantsi kwezi zi yobisi.
Iinkampani ze-inshurensi zingenakucima ezinye iziyobisi, okanye zingaphinde zithathele i-generics ephantsi. Ukuba ugqirha wakho ufuna ukuba ube negama lesigqirha, kwaye inkampani yakho yomshuwalense ayifuni, i-ACA inomsebenzi wokubhenela. Ukuba uthenge iyeza elingekho kwifomula, ayiyi kubala ngokuchasene ne-deductible yakho okanye umda we-pocket. Kufuneka ujonge inkomfa yenkampani yomshuwalense phambi kokuba ubhalise.
Indlela oyizuza ngayo
Ingaphezu kwesigamu samaMerika awazi ukuba uMthetho woNonophelo ongenakunqandeka uyabakhusela ngokuvalwa. Ukuba ungomnye wezigidi ezineemeko esele ikhona ngaphambili, awuyi kuphinda ukhathazeke ukuba unakho ukuhlawula ukunyamekela impilo yakho. Awunayo ukuhlala nomsebenzi ongeke ukwazi ukuma ngenxa yezibonelelo.
Kwabo nabangenayo iimeko ezikhoyo ngaphambili kuxhamla kwiindleko zezempilo ezantsi. Abo bangenayo i-inshorensi bafumana ukunakekelwa kokukhusela kunokulinda kude kube yinkathazo eyithumele kwigumbi lexakeka.
Isibhedlele saseCamden, eNew Jersey, sabona ukuba i-1 ekhulwini labantu abayi-100,000 abasebenzisa amacandelo ayo ophuhliso baye banikela iipesenti ezingama-30 zeendleko zayo. Aba bantu abayi-1 000 kuphela. Ukuba babephathwa kwiofisi ephantsi kweendleko, kuya kunciphisa iindleko zonyango kubantu bonke.
Ekujuleni : I -ACA ikuchaphazela njani | Xa Iqala ■ | Iinkonzo kunye neNgcaciso | I-Obamacare ichazwe - Ilula ngokulula ukuyichazela abantwana bakho | Yintoni kwi-ACA yangempela
Fumana indlela yokugcina imali kwi-Obamacare, funda yam incwadi ethi Ultimate Obamacare Handbook .