Kutheni iMelika iThembela kwiNkcazo ye-Intshumo yeMpilo
Injongo Yenene Yomshuwalense Wezempilo
Ekubeni i-inshorensi yezempilo iyona nto imoto yokubonelela ngempilo ye-US, abantu baye balahlekelwa injongo yalo. Kufana ne-inshurensi kwimoto yakho, ikhaya okanye indlu.
Kufuneka ukhusele impilo yakho kwiindleko ezibhubisayo zengozi enkulu, ingxamisekileyo yonyango okanye isifo esingapheliyo.
Kodwa, ngokungafani nezinye i-inshurensi, i-inshurensi yezempilo yenza ukuba ukwazi ukufumana unyango lwempilo xa uludinga. Ukuba awunayo i- inshurensi yemoto , ungathatha ibhasi ide ufikelele ukufumana imoto yakho ihleli. Ukuba uphula umlenze wakho, awukwazi ukuwuqhawula ngokwakho uze ugcine ukwanele ukuya kogqirha.
Iinkampani ze-inshorensi yezempilo zinika ezininzi iinketho. Kodwa oko kwenza ukhetho lube nzima. Kufuneka udibanise ngeendlela ezahlukeneyo zokunciphisa, ukuhlawulwa kwemali, i-coinsurance kunye nama-premium.
Ukukhetha Inkonzo Yomshuwalense Yempilo Iyinkimbinkimbi kakhulu
Iinkampani ze-inshorensi yezempilo zinika ezininzi iinketho. Kodwa ngaphambi kokuba ukhethe isicwangciso, kufuneka udibanise ngokudibanisa iintlobo ezahlukeneyo zokubanjelwa kweemali, iimali zentlawulo, i-coinsurance kunye nama-premium.
- Iiprayimari zenyanga. Njenge-auto okanye nabanini-bhorensi yabanini-mali, uhlawula oku nangona ungalokothi wenze ibango. Oku kunika ukuhamba kwemali ukwenzela ukuba iinkampani zomshuwalense zihlawule iindleko zabo zemihla ngemihla.
- I ductible . Yiloo nto oyihlawulayo phambi kokuba inkampani yomshuwalense ibone i-dime. Iideductibles ziyakwazi ukuhlahlela ukusuka kwi $ 500 ngonyaka (ngokuqhelekileyo zifumaneka kuphela kwizicwangciso ezixhaswe nenkampani) ukuya kwi-$ 10,000 ngonyaka okanye ngaphezulu. Ziyonyaka, oko kuthetha ukuba uqala ngoJanuwari 1 wonyaka ngamnye.
- Ikhoyibhile nganye yokutyelela. I-copay eqhelekileyo i-$ 20 yokuvakasha ugqirha, i-$ 50 yesibhedlele sokutyelela kunye ne-$ 10 ukuya kwi-40 yemali nganye. Uhlawula ipesenti eziyi-100 ukutyelela kude kufikelelwe i-deductible.
- Coinsurance . Le yipesenti ohlawula ngayo iinkqubo, ezifana nokuhlinzwa, okanye ukuhlala esibhedlele. Ukuba ugqirha wakho ukutyelela esibhedlele, unakho ukuhlawula i-copayment yokutyelela kunye ne-coinsurance ye-hospitali.
Kutheni iinkampani zomshuwalense zihlawula iidroducables, i-copays kunye ne-coinsurance? Bafuna ukukugcina ungagqirha ugqirha kuzo zonke i-sniffle. Babenenkxalabo yokuba, ukuba unonophelo lwempilo lwangama-100 ekhulwini mahhala, iindleko zabo zaziza kubakho. I- Care Affordable Act yathi le ndleko engaphandle kwee-pocket ayikwazi ukudlulela i-$ 6 600 ngaphezulu, okanye i-$ 13,200 kwintsapho. Emva koko, inkampani yomshuwalense ihlawula iipesenti ezili-100.
Zonke ezi zikhethileyo zikhetha ukhetho lwe- inshorensi yezempilo . Kufuneka ube ngumenzi-makenzi kwimpilo yakho.
Ngokomzekelo, unakho ukukulungele ukuhlawula i-premium yenyanga ephezulu yepesenti ye-coinsurance kunye ne-or deductible. Oku kuya kuba nengqiqo ukuba unesifo esingapheliyo, njengesifo sikashukela, kwaye uyazi ukuba uza kubona ugqirha rhoqo.
Ngakolunye uhlangothi, abantu abaqhelekileyo benempilo banokufuna i-premium ephantsi kakhulu kwaye i- deductible ephezulu . Bazimisele ukuthatha ithuba lokuhlawula ngakumbi unonophelo lwempilo kuba bakholelwa ukuba ithuba lincinci.
Ngokuqhelekileyo, i-lower down deductible, iphakamileyo ye-premium, i-co-pay okanye i-inshurensi. Njengoko iindleko zonyango zikhulile, abantu abaninzi baye bakhetha iiplani ezidityanisiweyo eziphezulu ukugcina ii-premium zabo zenyanga. I-Obamacare ayikwazanga ukuyilungisa le mpazamo ye-inshorensi yezempilo.
Kutheni iMelika ixhomekeka kwiNtshuwalense yezeMpilo ukuze ihlawule unyango
I-inshorensi yezempilo iyimfuneko ukuba amaMerika ahlawule iindleko eziphezulu zempilo . Ngaphandle kwayo, yonke imali yokugcina imali ingasuswa ngumrhumo wezonyango wama-300,000. Enyanisweni, iindleko zokunakekelwa kwempilo yiNombolo 1 yokubangelwa kweebhanki.
Ngaphambi kweMfazwe Yehlabathi II, kwakungekho nabani-inshurensi, kwaye abo benzayo bafunyaniswa kuphela ngeendleko zegumbi lesibhedlele kunye nebhodi. Emva kweMfazwe, urhulumente wezepolisi wamisa umvuzo wokubhalwa kwemali ukukhawuleza ukunyuka kwamaxabiso.
Kodwa oko kuthetha ukuba iinkampani azikwazanga ukuphakamisa ukufumana abaqeshwa abalungileyo. Kunoko, banikezela ngeenzuzo eziquka inshurensi yempilo.
Ngama-1954, ii-IRS zenze iipomimasempilo ze-inshorensi zempilo ezingabhaxiswanga. Oko kwenza i-dollar eyongezelelweyo ye-inshorensi yempilo ibaluleke ngaphezu kweyureli yomvuzo werhafu. Lekhekhelo lerhafu yodwa landisa ukulahleka kwe-US ngama-250 billion yezigidi ngonyaka. Nangona kunjalo, abezopolitiko abangeke bakwazi ukunyulwa kwakhona xa bacebisa ukuba basuse le ntlawulo ekhethiweyo yerhafu.
Oku kuyinyani ngokukodwa kuba lekhefu lekhefu lifana nokubonelela nge-inshurensi karhulumente kwi-class-middle middle class and the rich. Iziko lePolisi leRhafu liqikelele ukuba inzuzo ye-inshorensi ye-inshurensi yempilo ibe malunga ne-281 yee-dolophu kwindlu kwikhonksi yeerhafu ye-15. Kodwa inzuzo i-$ 374 kulabo bangama-25 ekhulwini yerhafu.
Iindlela ezingasetyenziswayo kwiNtshuwalense yeMpilo
Amazwe amaninzi amkele ukunakekelwa kwezempilo jikelele . Yilapho urhulumente ehlawula unyango lwempilo, njengokuba ukhokhela imfundo nokukhusela. Kufana nokwandisa i-Medicare okanye iMedicaid kuwo wonke umntu. Xa amaFrentshi okanye amaJamani eya kugqirha okanye esibhedlele, urhulumente uthabatha ininzi okanye yonke ibhajethi. Ukuphazamiseka kukuba kuthatha ixesha elide ukufumana ingcali okanye ukufumana umsebenzi ongxamisekileyo. Ngakolunye uhlangothi, akukho mntu unokukhathazeka ngokufa ngenxa yesifo kuba abanakho ukufumana unyango. Kodwa xa u- Hillary wayezama ukuphumelela unyango lwempilo eMelika, i-medical profession kunye neenkampani ze-inshorensi zempilo zanqoba. I-Obamacare yaqale yaboniswa ngoncedo lwezempilo jikelele. Kodwa iinkampani ze-inshorensi zatshintshile ukuba zithembele kwimveliso yazo.
Enye indlela eya kwi-inshorensi yempilo ngumvuzo wokuzihlawula. Ukuba abantu bahlawulela ukunakekelwa kwabo kwezempilo, baxhamla kwixabiso ukuze bafumane into engcono. Oku kuya kunciphisa iindleko zempilo yononophelo jikelele. Basenokuthatha imali mboleko kwiinkqubo ezibizayo, njengokuba benza imoto okanye indlu. Baya kuthatha unonophelo olungcono kwimpilo yabo ukuphepha izifo ezikhuselweyo ezifana nesifo sikashukela. Ngakolunye uhlangothi, kunokunyanzela abantu abanenzuzo encinane ukuba bakhethe phakathi kokutya kunye neyeza. Ukufikelela kwiinkonzo zempilo kuye kwaba yinxalenye ye -American Dream namhlanje .
Ekujuleni : Iinkonzo kunye neNgcengo ye-Obamacare | Yintoni eyenzekayo kwiNtonga? | Indlela yokuThuthukiswa kwezeMpilo kuNciphisa ukuKhathazeka kwezeMpilo Iinyaniso Ngokuphathelele U-Obamacare | Ngaba i-ACA idibanisa neTyala likaZwelonke?
Ukufumana isicatshulwa-nyathelo-sinyathelo ekukhethweni kwinshuwalense yangempela kuwe, funda incwadi yam ethi "Ultimate Handbook Handbook."