Ukukhwabanisa kwezeMpilo kuluhlu lwezoqoqosho ngezizathu ezintathu:
- Iphakamisa iindleko zeenkampani zomshuwalense, okwandisa ama-premium kuwo wonke umntu.
- Yandisa izindleko zonyango. Uninzi lwabantu alujongi kwiindleko zabo ezivela kwi-inshurensi yenkampani. Ekubeni akukho ukhuphiswano lwamanani, ababoneleli bezonyango banokuhlawulisa amaxabiso aphezulu kwiimvavanyo nakwezinye iinkqubo. Ngokuqhelekileyo, oogqirha abakwaziyo ukuba zininzi kangakanani iinkqubo ezichaza iindleko.
- Xa iindleko zobuqhetseba zidluliselwa kwi-Medicare ne-Medicaid, ngoko ke kudala ulwabiwo-mali olongezelelweyo. Ubuqhetseba bodwa bungafaka i-$ 14-30 yeebhiliyoni kwiingxaki.
Iqela elincinci loogqirha kunye nezigulane lenza uninzi lobuqhetseba. Bakuboleka ngenkonzo ongayifumanayo. Bakuxanduva lwakho ngenkonzo oyifumeneyo. Baphinda baqambe inqubo ukwenzela ukuba i-inshorensi igubungele. Abanye bakunika uvavanyo olungenayo, ukuba ufumane eyongezelelweyo kwi-inshurensi.
Izigulane ziphazamisa inkohlakalo ye-inshorensi yezempilo. Izigulana zinokufaka iibango zamanga kwiinkonzo okanye ngamachiza abazange bamkele. Bayakwazi ukuguqula iibhili okanye mhlawumbi bawakha. Ekugqibeleni, kukukhwabanisa ukuba bafake ibango lobuxoki kumntu we-inshurensi yomnye umntu.
Isizathu esikhulu sokukhwabanisa iindleko eziphezulu zonyango ngokwazo. Izigulane ezingenako ukufumana inkqubo yokulondoloza ubomi zinganelanga kakhulu ukusebenzisa i-inshorensi yomhlobo. Oogqirha abafumana imali encinci evela kwiinkampani zomshuwalense wezempilo bangabamba inkqubo eyongezelelweyo ukuze bahlawule iindleko zabo.
Ngelishwa, umjikelezo onobungozi. Iindleko zonyango eziphezulu zikhokelela ekukhwabaneni okukhokelela kwiindleko eziphezulu nakumntu wonke.
Kutheni iindleko zempilo yononophelo zibiza kakhulu eMelika? Kukho izizathu ezithandathu eziphambili, ngokweSigxina soPhulo lweMpilo uTrans Torrey.
- Izibhedlele ziyanyanzeliswa ukunyanga izigulane kwiindawo eziphuthumayo, nangona zingafumani ntlawulo. Ezi ndleko ziphezulu kakhulu kwaye zidluliselwa njengeendleko eziphezulu kubo bonke abantu.
- Amanye amazwe anonophelo lwempilo karhulumente axoxisana namaxabiso aphantsi. Kungenxa yokuba banesimo esiqinileyo sokubambisana. EUnited States, oorhulumente karhulumente kunye nabatshutshisi banokukwenza oku.
- I-United States ayivumeli abemi bayo ukuba bathenge ngokusemthethweni iziyobisi ezivela kwamanye amazwe, njengaseKhanada naseMexico . Oko kunika iinkampani ze-US zamachiza amaninzi amandla amakhulu. Basebenzisa oko ukunyusa amaxabiso.
- Iinkampani zonyango zihlawula oogqirha ukuba banikeze amayeza. Oogqirha abanobuchule abanaso ixesha lokuphanda amayeza afanelekileyo. Baxhomekeke kwi-rep yokuthengiswa kwemithi ehlawulwa kakhulu kakhulu ukuze bafumane ulwazi malunga nokusetyenziswa kweziyobisi ngokufanelekileyo.
- Iinkampani ze-US zemithi zichitha imali eninzi kwiintengiso. Ezi ndleko zigqityiwe kuphela kubathengi. Iintengiso ziqhubela phambili abantu kugqirha rhoqo.
Ukuguqulwa kwencitshiswa kunciphisa ubuqhetseba ngokunciphisa iindleko zonyango. Ukulungiswa kwempilo yezempilo kunika i-inshurensi kubantu abaninzi. Oku kunciphisa inani lezigulane eziphathwe ngokukhululekile ngamagumbi aphuthumayo. Ngo-inshurensi, abaninzi abantu baya kuba nako ukufikelela kwiikliniki eziphantsi kweendleko, endaweni yokusebenzisa igumbi lezongxamisekileyo njengeklinikhi yabo. Ukuguqulwa kweeMali kuhlanganisa iindleko zonyango, ukunciphisa umthwalo kwi-insured high-use.
Ukuguqulwa kweenkonzo zonyango kukwazisa abantu abaphilileyo, abanokuthi bafumane i-inshorensi. Bayihlawula kwinkqubo, kodwa abayifuni iinkonzo ezininzi, ngoko ke banciphisa iindleko kuwo wonke umntu.
Injongo yoKhuselo lweMonde kunye noNonophelo loNonophelo ongenakuncedo kukunciphisa iindleko zonyango. Ibeka i- inshurensi yezempilo yonyango evumela iintsapho kunye namashishini ukuba athengise ngokuthe kratya ivenkile yezicwangciso ze-inshurensi, ukwandisa ukhuphiswano kunye neendleko eziphantsi. Ikwavumela abantwana ukuba baneminyaka engama-26 ukuba bajongwe phantsi kwezicwangciso zabazali babo. Kwakudala nje ngoMeyi 2011, kubonakala sengathi oku kusebenza. Iinkampani ze-inshorensi yezempilo zithe zafumana ingxelo ngenzuzo njengabantu abatsha abatsha basayinwa ukulungiselela ukufikelela.