Ngubani Omelele Imveliso Ye-Obamacare?
Ingxelo ye-CBO yathi i-ACA yanciphise ubuninzi bebhajethi ngo-143 wezigidigidi eziphakathi kwe-2010-2019.
I-keptics yathi iprogram yee-bhiliyoni ezingama-940 ezongeziweyo iinkonzo azikwazanga ukugcina imali. Kodwa ininzi yolondolozo kukuba i- Obamacare yaqinisekisa ukuba ama-95 ekhulwini kwabemi baseUnited States babe ne-inshorensi yokunakekelwa kwempilo. Yanciphisa iindleko zonyango lwempilo ngokwenza ukhuseleko lwezempilo olukhuselekileyo kwizigidi ezingama-33 ezingena-inshorensi. Abazange balinde ukuba ugula lwabo lube lukhulu kangangokuba basebenzise igumbi lesiganeko esibhedlele njengomniki-nkonzo wabo oyintloko.Thatyusa ukwanda kweendleko zonyango lwempilo kubantu bonke.
Imirhumo ye-Obamacare kunye nezinye iirhafu nazo zinciphisa ixabiso leprogram. Nantsi isishwankathelo seendlela zonke ze-ACA imali.
Ukunciphisa i-Medicare Intlawulo nge-$ 335 Billion
Kunyaka ngamnye, i-Medicare iyavuma kwiirhafu ezithile zokuhlawula iinkonzo ezikhuselekileyo kubaboneleli bezempilo. Ezi zihlaziywa zonyaka ziyancitshiswa ngamaphesenti angama-21, ukugcina i-$ 196 billion. Amaqela ezibhedlele avumile ukunikela isabelo sama-155 billion.
Babelindele ukwenza iiRandi eziyi-170 zeebhiliyoni ngokunyanga izigulane ezingekho phantsi koogqirha.
Olunye iiligidi eziyi-136 zamaRandi ligcinwe ngokunciphisa i-Medicare Benevantage overpayments. Isicwangciso sezempilo sabucala sihlanganisa omnye kwabadala abahlanu. I-Medicare I-Advantage ixabiso leepesenti ezili-13 ngaphezu kweMveli yeMveli. Ugcino lwaqala ngo-2011.
Ukuhlawula iiMali ezongezelelweyo kwiinkampani zeeDrama
Iinkampani zonyango ziza kuhlawuliswa iimali eziphezulu zokunceda ukugubungela "indawo yokungena" kwi-Medicare Prescription Drug D Part Part. I-Medicare ihlanganisa kuphela i-$ 2,840 yokuqala kwiindleko zonyango. Ngaphambi kokuba i-Obamacare, isigulane sahlawula ipesenti ezili-100 ukuya kwii-4,550 zamaRandi, ngaphambi kokuba i-Medicare ijongwe kwakhona. I-ACA incede ukugubungela iindleko zengxowuni yomdaka: $ 250 ngesigulane ngo-2010, ama-50 ekhulwini ngo-2011, kunye ne-100 ekhulwini ngo-2020.
Imirhumo yenkampani eyongezelelweyo yonyango ifakwe ukufaka iiRandi ezingama-84.8 kwiingeniso ngaphezu kweminyaka eyi-10. Baxhasayo iindleko zemithi yesigunyaziso, ukugcina iMedicaid $ 38 billion.
Ukumisela irhafu yeNkcazo kwiNkqubo ePhakamileyo ye-Intshulamu Yongeza i-$ 32 Billion
Ngo-2018, iinkampani zomshuwalense ziza kuhlawula irhafu ye-40 yerhafu kwi-soyithi ye-inshorensi "ye-Cadillac".
Imirhumo yeNkcazo ephezulu yeNtlawulo Yongeza i-$ 210 Billion
Iirhafu zeMedare kwimali engenayo kunye neengeniso zentengo ziye zaphakanyiswa kwiintsapho ezingama-5 ezifumana imali eninzi ngo-2013. Oko kubandakanya abantu abayizigidi ezi-1 abazenza ngaphezulu kweedola ezingama-200 000 kunye nezigidi ezi-4 zezibini ezifakela ngokubambisana abenza ngaphezulu kwama-250,000. Baya kuhlawula i-3.8 ekhulwini kwiirhafu zeMedare kwizabelo, inzuzo eyinkunzi, irente, kunye neentlawulo. Baya kuphinda bahlawule i-2.35 ekhulwini kwiRhafu yemali yentlawulo, ukusuka kwi-1,45 pesenti.
Abenzi beRhafu badibanisa i-$ 65 Billion
Abaqeshi nabasebenzi abangaphezu kwama-50 kufuneka banike i-inshorensi yempilo. Ngaphandle koko, bakhokhe irhafu yerhafu 2,000 ngabasebenzi ngamnye unyaka ukuba ngaba nawuphi na wabo ufumana inkxaso-mali ye- federal ukuthenga inshuwalense yezempilo. Abantu kufuneka bathenge i-coverage okanye babhekane nexabiso elongezelelweyo lentlawulo. Kwaqala ngo-2015.
I-Savings Education ye-19 Billion yeeRandi
I-ACA ikhuphe uSallie Mae njengowomphakathi olawula inkxaso-mali yemali yokuboleka imali. Kunoko, iSebe leMfundo liboleka ngqo abafundi. Ukususela ngoko, inani leemali-mboleko eziphethwe ngu-federal government ziphindwe kabini. Kukho ukugcina okwaneleyo ukukhuthaza inkqubo yePell Grant nge $ 36 billion.
Matshi 2012 Uhlaziyo
Ngo-Matshi 2012, i- CBO ikhuphe ukuhlaziywa okubonisa ukuba i-ACA yayiza kubiza i-$ 50 billion ngaphantsi ngaphantsi kokucinga. Kungenxa yokuba i-CBO yayibheke ngo-2012-2021, ixesha eliyiminyaka eli-10 eliyiminyaka emibili ukusuka kuhlalutyo lokuqala.
Ingeniso evela kwi-ACA iyanda ngokukhawuleza kwexesha, ikhuphe ezinye iindleko.
Impembelelo yeSigqibo seNkundla ePhakamileyo
NgoJuni 28, 2012, iNkundla ePhakamileyo iphakamisa ininzi ye-ACA. Yavumele amazwe ukuba alahle imali ye-federal ekwandiseni iMedicaid ukubandakanya abahlali abanomvuzo ophantsi. Ngenxa yoko, ii- CBO ziqikelele ukuba abantu abayi-3 abantu abambalwa abaza kuba ne-inshurensi. Owasindisa i-$ 84 yezigidigidi phakathi kuka-2012 no-2022.
Ukufumana okungakumbi malunga nabanikezelayo i-Obamacare, funda incwadi yam Ultimate Obamacare Handbook (2015-2016) .