Sifike Kude Kangakanani Usukela Ngomthetho Wokunakekelwa Konyango Ka-Obama?
Ukufumana iinketho zokunakekelwa kwempilo ezinokungabonakali kuyinkxalabo enkulu kumaMerika amaninzi, kuba i-ACA isitshintshile ubomi beMerika aseMelika engazange ixhaswe ngoku ikwazi ukufumana unonophelo lwempilo enokufumaneka, ngenxa yeenkqubo ezinikezwa kwi-marketplace-market market, okanye nge-inshurensi yabucala izicwangciso eziye zafuneka zitshintshe ngokuphendula kwimigangatho yokunakekelwa kwempilo yaseMerika.
Umthetho we-ACA unikeza inkxaso-mboleko yenkxaso-mali ye-premium kulabo abathengisa i-inshorensi yabo kwindawo yokuthengisa ukuze bafunde kabanzi malunga nokufunda: Iindlela ezili-10 zokugcina unyango lwakho lwezempilo kunye ne-inshurensi lithengiseka, kungakhathaliseki ukuba kwenzekani ngokuzayo.
Yintoni Eyatshintshile kwiNkqubo yoLondolozo lwezeMpilo ka-Obama?
Ngaphambi kwe-ACA, kwakukho ukugxeka amaninzi, kodwa kukho neempumelelo. Ulungiso lwangoku kwenkxaso lwempilo lufanelekile ukujongana nemibandela eninzi. Inceda ukujonga emva kwaye ubone ukuba iinkxalabo kunye nedatha zikunceda njani ukuqonda apho unyango lwezempilo luza ku futshane.
Ngokuyinhloko abantu babezibuza ukuba urhulumente angene ekuncedeni ukulawula unyango lwempilo yindlela engcono yokuhamba. Amaqiniso kunye neenkcukacha esizibonayo zibonisa ukuphuculwa okucacileyo ekufikeleleni kwezempilo kubantu abaninzi baseMelika, nangona singakafiki kwindawo apho wonke umntu waseMerika eqinisekisiwe, ukuphucula kwakunzima.
Amaqela azuza kakhulu kwiinguqulelo zokunakekelwa kwempilo kubonakala ngathi abo babekade bebandlululwa kunye nabasemngciphekweni kuluntu njengemindeni engenamvuzo kunye nabadala.
Iipolongo zeGallop zabonisa ukwehla kwiiRhafu ezingaQiniswanga
Ipesenti yabantu abadala abangazange baqinisekiswe behla kwi-18% kwikota yesithathu ka-2013 ukuya ku-11.9 kwikota yokuqala ka-2015, kwaye yayingu-11.0% kwikota yokuqala ka-2016.
Izibalo zeZicwangciso zoNyango zijongani namhlanje ngo-2017?
Ezinye Iinkcukacha Ngomthetho Wokunakekelwa Konyango Ka-Obama :
- Abantu abayi-20.5 abangaphantsi kwabantu abancediswanga ngaphaya ko-2010
- Kukho ezinye izicwangciso ezahlukeneyo ezifumaneka kwi-Marketplace Marketplace kumaMerika
- Inkqubo ye-inshurensi yezempilo yabantwana (CHIP) iye yandise ukufikelela abantwana abayizigidi ezili-9.
- Ngaphambi koMthetho wokuNakekelwa kwezeMpilo ongenakunciphisa, abanomtshutshisi bangabagatya abantu abaneemeko ezisekhona ngaphambili, banqande ukukhutshwa okanye basebenzise izimo zonyango ezintle kakhulu ukuba banqatshelwe ngokupheleleyo inshuwalense yabantu. I-ACA ijikeleze ngoku.
- Ngo-2014 kunye no-2015, ukubhaliswa kwangempela kwagqithisa iziqalo zangaphambili xa i-ACA yaziswa
- Kwiqela leminyaka eli-18-64 ubudala, i-70.5% (eziyi-138.8 yezigidi) yafunyanwa zizicwangciso ze-inshorensi zempilo yabucala ngo-Matshi 2017. 9.4 yezigidi eziye zafunyanwa zizicwangciso ze-inshorensi zempilo ngasese kwi-Market Insurance Marketplace okanye kwi-exchange-based exchange
Nazi ezinye zeengxaki zokuguqulwa kwe-Obama kunye ne-ACA ziye zaba:
Ngoko kutheni ukutshintsha izinto ze-ACA ukuba abaninzi abaninzi baseMerika bahlala besikhorensi? Ukuqala ukuya ekugqithweni koMthetho woNonophelo ongenakunqwenelekayo, bekukho ezininzi ukugxeka, inqabile ngexesha elide, ezininzi ukugxeka kunye nokwesaba kuye kwangqina. Nazi ezinye ezithandwa kakhulu:
- Njengoko iminyaka idlulile, abaninzi abantu bayaxhalaba ngenxa yokuba kukho ukuhlawula okuphezulu emva kwabo bonke abaMerika abangaphilile ngoku baqinisekisiwe, ukuba iindleko ziya kuphakama. Abafana abancinci babonakala behlaselwa ngeendleko eziphezulu zokunakekelwa kwempilo, ngokukodwa emva kokunyuka kwe-premium ka-2014, kodwa kwinqanaba le-flip, amaxabiso omama ahla kwaye abantu abatsha banokufumana ingcaciso.
- Abanye abagxeki bakholelwa ukuba i-ACA yenza ukunakekelwa kwempilo kuncinci kufikeleleke kwiklasi ephakathi. Yiyo kuphela inzuzo eye yabanzi kakhulu kwingeniso ephantsi, inqanaba lehlwempu kunye nokungasebenzi. Oku kuyinto enokuxhomekeka kuba ngokuqinisekileyo izuzisa zonke iiklasi zabantu ukuba bakwazi ukufumana i-inshorensi ngeemeko zangaphambili. Xa kuthelekiswa, xa iinkampani ze-inshorensi ziqinisekisa inani elininzi labantu abagulayo, i-inshurensi jikelele iya kuphakama.
- Ukuguqulwa kweMedicaid kushiywe kwilizwe ngalinye. Amazwe angakhange awandise iMedicaid ashiya izigidi zeentlanga ezihluphekileyo ngaphandle kokukhethwa kwenkxaso. Amazwe angathathi nxaxheba kwandiso abona amaninzi aphezulu kwi-uninsured. Olunye uphando luye lwalubonisa ukuba ezi zizwe ezifanayo azigcini manani aphantsi aphantsi kwenkxaso engaphantsi kwaye engasebenziyo kodwa kwibhodi kuwo onke amanqanaba okufumana imali xa kuthelekiswa namazwe athathe inxaxheba ekuwandiseni.
- Ukulandela i-ACA, abaninzi abaqeshi batshintshile izicwangciso ze-inshorensi zempilo ababezinikezela abasebenzi babo, beshiye abaqeshiweyo nabaqashiweyo kwisithuba esichengileyo xa kusenziwa utshintsho. Uphononongo olwenziwa nguKaiser Family Foundation luqwalasele oku ngakumbi, kwaye idatha yangempela kule meko ayikho hlangothi.
- Emva kokuba i-ACA phantse izigidi ezi-5 zaseMerika zilahlekelwe ukufikeleleka kwiinkonzo zonyango ngenxa yokuba abaqinisekisi bempilo abazange bahambisane nemigangatho ye-ACA. Laba baseMerika bekufuneka bafake izicelo zokufumana iifikeji kwiimarike kwaye mhlawumbi baye bahlala behlawula ngaphezulu ngenxa yoko. Ucwaningo olufanayo lweKaiser olukhankanywe apha ngasentla luqwalasela le nkcukacha.
- Abanye baye bacetyiswa ukuba ngoku i-insured idale ukuguquka kweendleko ezingenakunceda abo babekade bengabincediswanga, kuba nangona ngoku banomshuwalense, iindleko zokuxothwa, ukuhlawula kunye kunye ne-coinsurance kuyafana kwaye unyango. Oku kugxekwa akuthatheli ingqalelo imigaqo malunga neenkonzo ezibalulekileyo, okanye iinkonzo ezinokuthi zikhululeke okanye zingekho phantsi koxinzelelo okanye i-inshurensi. Ngaphezu koko, abaninzi banokuvuma ukuba enye inshuwalense ibhetele kunokuba akukho ninshuwalense.
Kungenokuba kugxininiswe ukuba uthengisa ngokuthe ngileyo kwindawo yokuthengisa ukuze ufumane iinketho ezenza ingqiqo yakho imeko ikwazi ukuphepha iindleko ezingathandekiyo. Ukuqonda imigaqo yomgaqo-nkqubo oyinyulayo kukunceda wenze izigqibo ezinamandla kwaye ulondoloze imali ixesha elide
I-ACA Facts: NgokweHHS.gov, malunga nama-80% wabathengisi beemarike basebenzisa i-HealthCare.gov ngo-2015 banokuthenga ukuthengwa kweedola ezili-100 okanye ngaphantsi kweemali zerhafu
Ukuxoxa ngeNzuzo kunye neNgcengo ye-ACA
Ngokutsho kwe- Obamacare Facts (iwebhusayithi eneenkcukacha ezizimeleyo), kukho inzuzo kunye nokuxhamla kwi-Health Affordable Care Act. Iingcamango ezinkulu kunazo zonke zizungeze ukuba umthetho udala "izithintelo zabafumene abaphezulu, amafemu amakhulu awanako ukuqinisekisa abasebenzi babo, kunye namacandelo athile enkampu yezempilo". Abaninzi baseMelika abakwaziyo ukufumana ukunakekelwa kwempilo ngenxa yokupheliswa kwabantu abaye banqatshwa ngenxa yeemeko zangaphambili kwaye ukufikelela okunyukayo ekunakekelwa kwengeniso ephantsi kunye nabasebenzi abayivuma ukuba nangona i-ACA ingaphelelanga, uye wanika i-inshurensi yezigidi zabantu baseMerika.
Ngokwale Ncwadana ye-White House Factory, abangaphezu kwama-85% abantu abasandul 'ukugqitywa yi-ACA bathandile ukufikelela kwabo ngo-2015
Inkoliso yeyona nto iboniswe ngokubanzi kunye ne-Obamacare kunye ne-Driving Force for Reform
Ukugxeka okukhulu kakhulu ukuguqulwa kwezempilo kwe-Obama yinto yokuba amaxabiso aza kufuneka ekugqibeleni avele ngokusekelwe kulo mzekelo.
Abantu bayazibhokoxa ngenxa yokwanda, kwaye baninzi umbuzo ukuba ngaba ukunakekelwa kwempilo efumanekayo abanako ukufumana kuya kuhlala kufikeleleka kwaye kufumaneka.
Ingqungquthela yesibini enkulu yinto yokuba abantu abayayiqondi indawo yokuthengisa okanye ukuguqulwa kwezempilo.
- Izinketho ezikhoyo kubantu ziyahluka kwaye abantu abanakho ukuqonda indlela yokukhetha phakathi kweenkqubo ezahlukeneyo.
- ISebe lezeMpilo lezeNtlalo yase-United States liqikelela ukuba isiqingatha seMerika esingaqinisekanga singakwazi ukubhalela i-inshurensi yezempilo kwimarike , kodwa ningacingi ukuba bayakufanelekela.
Ukuqonda nokwandiswa koluntu kunye nokunyuka kwamazwe angakhange awandise iMedicaid iza kuxazulula kunye nokusombulula ezimbalwa kwezi zihlomelo eziphambili ze-Obamacare kwaye zenze izigidi ezingaphezulu ezingabancedi baseMerika ziqinisekisiwe.
I-Akhawunti ye-Savings Health
Enye into ebonakalayo kwi-data yangoku yi-CDC kukuba ukubhaliswa kwe-High Deductible Health Plan (HDHP) kwanda i-17% ukususela ngo-2010 kwaye ngoku i-42.3%. Ukuba neHDHP ivumela abantu ukuba batyale imali kwi-Akhawunti ze-Savings Health, ezivelisa iingeniso zesikhathi eside kubantu, funda ngakumbi apha . Yintoni enomdla kukuba i-Trumpcare ijonge ukunyusa iinzuzo ze-HSA kubandakanyeka ukuhlawula ihlawulo lokurhoxisa imali ye-HSA engenakho irhafu kwi-Obamacare ye-20% ukuya kwi-10% xa ukuhoxiswa kwenziwa ngaphambi kweminyaka yobudala engama-65. .
Sekunjalo, kwidata efanayo:
25.3% ababhalise kwi-HDHP babengenayo i-HSA.
Kukho rhoqo uphuculo olwenziwe kumthetho wangoku kunye nokunakekelwa kwezempilo. Indlela efanelekileyo yokuzikhusela kwaye uqiniseke ukuba ufumene izibonelelo ezingaphezulu kwemali oyihlawula kwisicwangciso sezempilo kukuqinisekisa ukuba ukwandisa kwiiplani ezifana ne-HSA, kwaye ukwaziswa ngokufanelekileyo malunga neengxelo zokuba unelungelo lokuba izinto ziguquke.