IiNzuzo eziPhambili zezeMpilo ze-ACA

Ngaba Isicwangciso Sakho Sempilo Siyabakho?

Iintlobo ze-10 eziyimfuneko zezempilo ziinkonzo zonke izicwangciso ze- inshorensi yezempilo kufuneka zinikezele ukuthobela uMthetho ojongene noThathaka . Iindidi ezili-10 zi:

1. Ukutyelela nokukhusela kakuhle, kuquka ukuphathwa kwezifo ezingapheliyo . Uhambo lokunyamekela ukhuseleko alukho i-copay. I-Obamacare idinga ukuba zonke iinkqubo ezingama-50 eziphakanyiswe yi-US Preventive Services Task Force zizakutyalwa njengeenkonzo zokukhusela. Ezi zibandakanya ukutyelela ngokufanelekileyo kwindoda, ukunyanzeliswa kwindlobongela yasekhaya, kunye nenkxaso yokusetyenziswa kokuncelisa nokukhulelwa.

1. Ukunakekelwa kwabazali kunye nosana olutsha . Oku kufuneka kunikwe ngaphandle kweendleko kuba kukunyamekela . Ininzi intsha yabantu abangenayo i-inshorensi iya kufumana le nto inzuzo xa iyakhulelwa.
2. Unyango lwempilo yengqondo nokuziphatha . Iquka unyango lotywala, iziyobisi kunye nokusetyenziswa kakubi kweziyobisi kunye nokulutha. Iinkampani zomshuwalense ziyakuphepha ukuhlawula izi zifo, ezifuna ukuzinikela kwexesha elide. Bayakhuphula i-co-payer ukuya phezulu njengama-$ 40 kwiseshoni kwaye banciphise inani labavakatyeli.
3. Iinkonzo kunye nezixhobo zokunceda abantu abanokulimala, ukukhubazeka, okanye izimo ezingapheliyo . Uninzi lwezicwangciso zibandakanya iinkonzo kunye nezixhobo ezikunceda ukuba uphinde ufumane ukulimala okwethutyana, njengomlenze ophukileyo. I-ACA idinga ukunikezelwa kwezixhobo ezifunekayo ukunyanga isifo esingapheliyo, njenge-multiple sclerosis.
4. Uvavanyo lweebhanki . Izicwangciso kufuneka zihlawule iipesenti ezili-100 zeendleko zeemvavanyo ukuba oogqirha basebenzise ukuxilonga ukugula. Ngaphandle koko, ii-copay rhoqo kunye needroductions ziyasebenza.

1. Ukunakekelwa kwezilwanyana . Ukunyamekelwa kwamazinyo kunye nombono kufuneka kuhlanganiswe.
2. Iziyobisi . Izicwangciso kufuneka zibheke ubuncinane esinye isilwanyana kuwo onke amacandelo kwi-US Pharmacopeia. Iindleko zakho zepilisi zangaphandle-mali zibala kwi-deductible yakho. Oku kwakungenjalo kuzo zonke izicwangciso ze-inshurensi phambi kwe-ACA. Kananjalo bahlala benika le nto ngeendleko.

1. Unonophelo lwangaphandle. Uninzi lweeprogram zomshuwalense yezempilo lufakela oku kakade
2. IiNkonzo zeCandelo eliPhezulu . Uninzi lwezicwangciso lubandakanya oku. Abanye bahlawula ngakumbi xa uya esibhedlele esivela kwinethiwekhi yabo, okanye uya ngaphandle kokugunyazwa kwangaphambili. Izicwangciso ze- Obamacare azihlawulisi ngaphezulu.
3. Bhedlele . Azikho zonke izicwangciso ezifihla ngokwaneleyo le ndleko enkulu. Uninzi lwabantu aluqapheli ukuba usuku esibhedlele lunokuhlawula phakathi kweedola ezi-2,000 ukuya kwii-20,000 zamawaka ngosuku. Ukuba unesicwangciso esiphathekayo esiphezulu okanye esinye esiphezulu esiphezulu, unokumangaliswa kukuba uninzi kangakanani ukuhlawula ngaphandle kwe-pocket.

Ngaba Isicwangciso Senu Sinalo Ezi Zinzuzo?

Isigunyaziso salo myalelo sisebenza kuzo zonke izicwangciso ezidalwe emva koMatshi 23, 2010. Ngaphambi koko, ngaphantsi kweepesenti ezimbini zeeplani zanikezela zonke iintlawulo ezilishumi. Ukuba unesicwangciso sakho ngaphambi ko-2010, kungenzeka ukuba ukhululekile, kwaye akanalo inzuzo efunekayo. Iinkampani ezininzi ze-inshorensi ziye zawa phantsi ezi zicwangciso. Bakucela ukuba utshintshe kwizicwangciso ezibonelela ngolu hlobo lokuthengiselana.

Hlaziya ezi ntlawulo uze uzithelekise kwiintlobo zakho ezicwangcisiweyo ngoku. Unokufumanisa ukuba unokufumana iplani engcono yemali encinci kwimicimbi yomshuwalense wezempilo . Iiprayimenti zingaba ziphezulu, kodwa i-coverage inokuthi ikhuphe ixabiso.

Fumanisa

I-Obamacare ivumela i-state nganye ukuba idale isicwangciso "sokumisela" esiya kuba ngumzekelo kuzo zonke ezinye izicwangciso ekulawulweni kwayo. Oko kukuqinisekisa ukuba isicwangciso asibizi kakhulu kumashishini amancinci ukunikela. Izicwangciso mazizibandakanye iinkonzo zendlela yokubeka umgangatho welizwe ngaphandle kokubeka ixesha elide lokuphila, okanye umda wonyaka, kwiindleko.

Impembelelo yeeNzuzo ezili-10 ezibalulekileyo kwi-Economics yase-US

Ngokubeka lo mgangatho wezinzuzo, uMthetho woNonophelo ongenakunqwenela ugcina i-insurers ekunciphiseni iinzuzo zokunciphisa iindleko. Ngaba abayi kuphakamisa iiprayam esikhundleni? Hayi, kuba izigidi zabantu baseMelika abangenakunyanisiweyo ziya kuqalisa ukuhlawula iipriyamu.

Okwesibini, ukunakekelwa kokukhusela kuya kunciphisa iindleko. Kungenxa yokuba oogqirha baya kufumana kwaye baphathe izifo ngaphambi kokuba bafune ukuvakatyelwa kwamagumbi aphuthumayo. Izigidi zeentsapho ziya kukwazi ukuphephelwa kwebhanki ngokufumana unyango ngokukhawuleza, okanye ngokuba ne-inshorensi yokugubungela ezi ndleko.

Ngombulelo kwiChankingcy Prevention Ac , abantu balahlekelwa ukugcinwa kwabo bonke ubomi kunye nemakhaya ukuhlangabezana neebhilidi zonyango. Emva kokulahlekelwa yiyo yonke into, bahlaselwa. Ngenxa yoko, iindleko zonyango ziyiNombolo 1 yokubangela i-bankruptcy . Iindleko zonyango zezempilo zabuya zihlawulela ezi ntlawulo ezihlawulwa. Njengoko abantu abaninzi bano-inshurensi, kufuneka kube phantsi kweendleko zonyango kunye nokuphazamiseka kwemali.

Okwesithathu, abantu abancinci nabasempilweni baya kufumana i-inshorensi, ngenxa yokubeleka, ukubelethwa kwabantwana kunye nosana. Oku kuya kunciphisa iindleko zomshuwalense wezempilo jikelele.

Okwesine, izilwanyana ezinomvuzo ophantsi, izidakwa, kunye nabagulayo ngengqondo baya kuba negalelo. Oku kunciphisa iindleko zeendleko ezizongezayo. Yingakho iindleko zokunakekelwa kwezempilo ziya kuphakama xa iTrump iphinda iphinde ithathe indawo ye-Obamacare .

Olungakumbi kwi-Obamacare

Iinkonzo kunye neNgcaciso | I-Obamacare Iqala nini? | Ngaba I-Obamacare Iindleko Kangakanani? | Indlela yokufumana i-Obamacare | Iinyaniso Ngokuphathelele U-Obamacare | Ngaba i-Obamacare idibanisa namatyala? | Kutheni Ukuguqula Inkathalo yeMpilo

Ukugcina imali kwi-Obamacare, funda yam incwadi ethi Ultimate Obamacare Handbook (2015 - 2016) .