14 I-Obamacare Myths: Iyini Inyaniso Eyabakho?
Inkolelo ye-1 : Iindleko zomshuwalense wezempilo zinyuka zibulela ku-Obamacare.
Inyani: Iimali-mali ze-inshorensi zezempilo zinyuka, kodwa kungekhona ngenxa ye-ACA.
Iimali-mali ezicwangcisiweyo zezicwangciso zentsapho, umzekelo, ukwanda kwama-4,8 ekhulwini ngonyaka phakathi kuka-2005 no-2010. Ukususela ekubeni i-ACA yenziwe, baye bakhuphuka kwizinga eliphantsi le-3.8 ekhulwini ngonyaka.
Iiplomelo zeeplani ezithengiweyo ngasese zaphakama kwi-15 ukuya kuma-20 ekhulwini ngonyaka phakathi kuka-2005 no-2010. Ngo-2013, ii- inshurensi zezempilo zavulwa, kwaye i-39 ekhulwini yabona ukwanda. Kodwa iipesenti ezingama-46 zabhalisi babona iiprayimari eziphantsi, ngokutsho kwephononongo zeKaiser Family Foundation.
Abantu abaninzi banamazinga aphakamileyo kuba izicwangciso zabo ngoku kufuneka zidibanise ii- 10 eziyimfuneko zezempilo . Kodwa iindleko zomshuwalense yezempilo zazikhuphuka ngokukhawuleza phambi ko-Obamacare.
Iingcali 2: Ngaphantsi kwe-Obamacare, unyanzelekile ukuba ukhokhe iiprayimari eziphezulu kwiinkonzo ongazidingayo, ezifana nokukhulelwa, ukubeletha, kunye nokunakekelwa kwabantwana.
Inyaniso: Nasiphi na isicwangciso se-inshurensi yempilo, umntu uhlawula iinkonzo abazi ukuba abayi kuzakufuna. Umqhubi akayi kufuneka ngononophelo lwesifo sikashukela, abasetyhini abayize bafune ukuhlolwa kweprotate, njl.
I-Obamacare idinga ukukhutshwa komntwana ukunciphisa iindleko zonyango jikelele. Kungenxa yokuba i-Medicaid ihlawula iipesenti ezingama-50 zazo zonke izibeleko. Ityala umhlawuli werhafu ngaphantsi ukuqinisekisa ukuba abo bafazi bafumana unyango lokubeleka. Oku kungabizi ngaphaya kwonyango lophuhliso lwangxamisekileyo olubangelwa ukuthunyelwa kwekhaya ekhaya.
Inkolelo ye-3: I- Obamacare yonyango eluntwini, njengaseCanada okanye e- United Kingdom .
Inyaniso: Akunjalo. E-UK, oogqirha ngabasebenzi baseburhulumenteni karhulumente. KwiCanada, urhulumente uhlawula iindleko zonyango. Oku kufana ne-American Medicare neMedicaid. I-ACA yenza ukwanda kweMedicaid ukuya kwiintsapho ezifumana umvuzo ophakathi, kodwa uninzi lwandiso lwentengiso yinshuwalense yabucala.
Kutheni abangaphezu kwesiqingatha (57 ekhulwini) baseMerika bacinga ukuba i-ACA ixilana? Isiphakamiso sokuqala sikaMongameli u-Obama sasiquka ukunakekelwa kwempilo yonke . Oko kwakuquka iCongress, eyamkelwa isiluleko sakhe. Okumangalisayo kukuba, u-Obamacare ngoku uxhoxisa iCongress kwimibutho yabucala, njengabantu bonke. Ngoko, kwimeko enjalo, i-ACA iyancitshiswe iyeza.
Iingoma 4: UMongameli Obama wathembisa ukuba "Ukuba uthanda isicwangciso sakho, unokugcina isicwangciso sakho, ixesha." Wayethetha ukuba i-ACA ngokwayo ayizange ikhansele izicwangciso zabani na. Izicwangciso "zazizalwe" xa zikhona ngaphambi kokuba i-ACA idluliselwe kunye neemfuno ezingaphantsi.
Inyaniso: Isigidi sabantu salahlekelwa izicwangciso zabo kuba iinkampani zabo ze-inshorensi zawayeka. Ezinye iinkampani ezingahambisani neemfuno ze-ACA zikhethe ukuyeka izicwangciso kunokuziguqula.
Kwaye ezinye iipolisi "ezinkulu" ziye zawa. Ngo-2014, uKaiser Permanente waxoshela "iiprogram" ezinabantu abangama-3,414 eMaryland naseVirginia. U-Humana wenza okufanayo kwiiplani ezingama-6,544 eKentucky. Bagqiba ekubeni akuzange yenze ingqiqo yezoshishino ukugcina iintlobo ezahlukeneyo zezicwangciso ngeendleko ezahlukeneyo.
Abasebenzi abaninzi baye balahlekelwa izicwangciso zabo kuba iinkampani zabo zanquma ukuhlawula isohlwayo. Bayazi ukuba abasebenzi babo babenokufumana izicwangciso ezincinci kwiingxoxo.
Inkolelo yesi-5: U- Obamacare ungene kwibudlelwane nodokotela-ngesigulane ngokuvumela abalawuli beeburhulumenteni ukuba banqume unyango lwakho, kungekhona ugqirha wakho.
Inyaniso: Ubuhlobo bakho nogqirha wakho abukatshintshi. Abacwangcisi bahlala bebandakanyeka. Ugqirha wakho ugqiba kwonyango. Emva koko, abasebenzi bekampani yomshuwalense bayagqiba isigqibo sokuba ngaba iya kubalwa.
Inkampani yenkampani yomshuwalense nayo inquma ukuba iya kufikelela phi kwaye iya kuhlawula phi ugqirha. Kwi-Medicare ne-Medicare, urhulumente ubandakanyeke kule sigqibo ngokusebenza njengenkampani yomshuwalense. I-ACA ayitshintshanga naluphi na olu.
Inkolelo ye-6: I- Obamacare inqumle inzuzo kulabo abaseMagare.
Inyaniso: Iinzuzo azizange zinqunywe, nangona ama-44 ekhulwini abantu bakholelwa ukuba bekhona. Kungenxa yokuba i-ACA yinqumle inkxaso ye-Medicare nge-$ 716 yezigidigidi ngaphezu kweminyaka eyi-10. Kodwa izicucu zichaphazela ababoneleli, kungekhona abafumanayo, kule mimandla emithathu:
- Izibhedlele zafumana i-260 yezigidigidi zeebhiliyoni ngaphantsi kuba i-ACA iyatshintsha indlela abahlawulwa ngayo. Ngaphambi, bahlawulelwa "intlawulo-yenkonzo" kuyo yonke imvavanyo kunye nenkqubo. Ngoku baye batshintshela kwiinkathalo ezisekelwe kwixabiso elihlawulela ngokusekelwe kwiziphumo eziphumeleleyo. Kufuneka ufumane unyango olungcono kwiindleko eziphantsi.
- I-Medicare Abanikezeli bomshuwalense abancedisayo bafumana i-$ 156 yezigidigidi ngaphantsi. I-ACA ivimbela ukwanda kweendleko kwipesenti enye ngaphezu kwezinga lokukhula koqoqosho . Izicwangciso zaphakama 5.9 ekhulwini ngonyaka kwiminyaka emihlanu edlulileyo, indleko ibhalisa iipesenti ezingama-17 ngaphezu kwezicwangciso eziqhelekileyo. Urhulumente wagqiba ekubeni ayeke ukuhlawula imali.
- Unonophelo lwempilo lwaseKhaya, iinkonzo zokunonophala abanezakhono kunye ne-hospice zifumana zonke izicucu.
I-ACA yenyuka inzuzo yeMedare. I-Medicare ngoku iquka ukunyamekela okukhuselekileyo , njengama-physicals kunye nemimmogram. Ngowe-2020, abaxhamli baya kufumana i-100 yepesenti ngemali yeCandelo D "umgodi wenkxaso" iindleko zeziyobisi zonyango.
Inkolelo-mfundiso yesi-7: Zonke iinkcukacha zakho zobuqu kunye nezokwelapha ziya kudibaniswa kwisigxina esikhulu. Urhulumente uya kuwusebenzisa ukugcina umkhondo ongcono.
Inyaniso: Ukutshintshiselwa kwe-inshurensi yezempilo kukucela inkcukacha ezininzi. Kufuneka ufake izinto ezifana nenombolo yakho yoKhuseleko loLuntu, ingeniso yakho kunye nokuba utshaya. I-IRS isebenzisa le datha ukujonga malunga neerekhodi zayo ukuqinisekisa ukuba uyakufanelekela inkxaso. Umbuzo wokutshaya kukuba iinkampani ze-inshorensi zingahlawulisa ngakumbi abantu ababhemayo. Urhulumente unolwazi oluninzi olu lwazi.
I-ACA idinga ababoneleli bezempilo ukuba baqulunqe iirekhodi zabo. Oku kunokwenzeka ukuba olunye usuku ludibaniswe nedatha kwiintengiso. Ingaba i-despot ingasebenzisa le databana ukulawula ubomi bakho? Mhlawumbi, kodwa sele sele idatha kakhulu idatha malunga nawe ukuba ubumfihlo bakho sele buyekezekile.
Inkolelo-mfundiso 8: Iireyali zam irhafu zihamba ngokubhekiselele ekunikezeni abafuduki abakwilizwe ngokungekho mthethweni nge-inshorensi yezempilo.
Inyaniso: Phantse ihafu (47 ekhulwini) iyavumelana nalo mazwi. Enyanisweni, abafuduki kwelizwe bavunyelwe ngokungekho mthethweni ukufumana i-Obamacare. Bafumana unyango lokukhusela kumaziko empilo oluntu. Oko kufuneke ukunciphise iindleko zempilo. Amagumbi angxamisekileyo kufuneka aqhubeke nokuphatha wonke umntu. Xa abaninzi abantu beli lizwe basebenzisa iziko lempilo yoluntu ngokungekho mthethweni, kukho izindleko zebhilidi eziphuculayo.
Inkolelo-mfundiso ye-9: Ukufumana inzuzo yokuzalelwa kwe-Obamacare kwenza abantu bafike eUnited States ukuze abantwana babo babe ngabemi baseMerika. Le "anchor babies" yenza kube lula kubazali ukuba babe ngabemi ngokwabo.
Inyaniso: Izibhedlele kufuneka zinyamekele nabani na abakubonkcenkcesha. I-Medicaid ibuyisela i-$ 2 billion ngonyaka kwiibhedlele eziphatha abantu abangama-100,000 apha ngaphandle kwemvume esemthethweni. ICalifornia yedwa ifumana i-1 billion yezigidigidi. Kodwa oku bekukho ngaphambi kokuba i-ACA. Ingaba idala inkuthazo kubantu abangenawo imibhalo yokuzala eMelika? Mhlawumbi, kodwa kunokwenzeka ukuba iinjongo eziphambili ngumsebenzi. Kucacile kuba kwakukho abantu abambalwa eMelika ngokungekho mthethweni ngexesha loqoqosho xa imisebenzi yayinqongophala.
Iingoma 10: Amashishini awaqeshanga ngenxa ye-Obamacare.
Inyaniso: Imfuno yokubonelela i-inshurensi ithinta kuphela iinkampani ezimbalwa. Amaphesenti angaphezulu kwama-95 eenkampani ezinabasebenzi abangaphezulu kwama-50 sele bebone i-inshurensi. Kulabo abangenayo, iipesenti ezili-10 kuphela zathi zanciphisa abasebenzi okanye zinciphisa iiyure zabo. Abanye babo bavuma ukuba baqeshe ixesha elingaphezulu kwexeshana, abasebenzi bexeshana okanye abakontrakthi ukuba baphephe imfuneko. Amashishini angaphantsi kwabasebenzi abangaphantsi kwama-50 akhululwa. Ezi nkampani ezincinci zidala ama-65 ekhulwini yazo yonke imisebenzi emitsha.
Inkolelo-mfundiso 11: UmThetho wokuNakekelwa ongenakuncedo ungcono kakhulu kune- Obamacare .
Iinyaniso: Zizo amagama amabini into efanayo. Abantu abaninzi bacinga ukuba bahlukile. Amashumi amahlanu anesihlanu amawaka aseMelika atyunjwe ngophando lwe-Gallup ka-2012 oluvunywe yi-ACA, ngelixa ama-38 eepesenti adluliselwe kwi-Obamacare.
Iingoma 12: Abaninzi baseMerika bacinga ukuba u- Obamacare kufuneka uchithwe.
Inyaniso: Ngaphezu kwehafu (54 ekhulwini) yamaMelika bachasene ne-Obamacare. Kodwa iipesenti ezingama-35 kuphela zicinga ukuba kufuneka zipheliswe. Iipesenti ezilishumi elinesibhozo zikholelwa ukuba zincinci kakhulu. Ipesenti ezilishumi elinesibini zicinga ukuba sele zichithwe, kwaye iipesenti ezi-7 zicinga ukuba iNkundla Ephakamileyo iyaligweba ngokumelene nayo.
Inkolelo ye-13: U- Obamacare wamisela "iipaneli zokufa" ezavumela urhulumente ukuba enze izigqibo malunga nokunyamekela ekupheleni komntu kubantu abane-Medicare.
Inyaniso: I-ACA icetyise ukuba i-Medicare inikezele ngamaphesenti angama-100 ukufumana inkululeko yokutyunjwa kwabagqirha ukuxubusha ngononophelo lwentlalo. Ababandakanya abaxhamli abafuna ukuxoxa ngokungahambisani-nemiyalelo-yokuvuselela imiyalelo, izikhokelo zokuphela kokuphila kunye nokuthanda. Ndiyabulela ukuphikisana, ilungiselelo lahla. Ipesenti ezingamashumi amane zabantu bakholelwa ukuba kukho.
Iingcali 14: I-ACA idale "i-Taxmageddon," ukunyuswa kweerhafu enkulu ye-$ 800 yezigidigidi kwiminyaka eyi-10 ezayo.
Inyaniso: Ukunyuka kweerhafu kwenyusa i-$ 76.8 yezigidi ngonyaka. Leyo mali ephezulu kumlando. Ukunyuka kweyona ndlela elandelayo kukunyuka kwe-bill ye-billing reduction. Kwaphakamisa i-$ 65.9 yezigidi ngonyaka. Ukunyuka kwentela ka-1982 ngowesithathu. Kodwa oku akuthatheli ingqalelo ukunyuka kwamaxabiso, ukukhula kwabantu, ukukhula kwemali kunye nokukhula koqoqosho.
Ukuba uthetha ixabiso lentengo, ukunyuswa kweerhafu ka-1982 kwakukho okukhulu kunakho, kuzisa i-$ 85.3 billion. Ukuba uthelekisa ukunyuka kweerhafu njengepesenti yoqoqosho lonke, ngoko kunyuswa kwetyala ka-1942 ukuxhasa iMfazwe Yehlabathi II yinto enkulu. Kwakuyi-5,04 pesenti yemveliso yezoqoqosho. Ixesha elingaphezu kwama-10 ngaphezu kwama-0.43 ekhulwini kwi-ACA. (Imithombo: (Umthombo: "AmaMerika asenokuba neengcamango ezinzulu malunga ne-Obamacare," ThinkProgress, Matshi 21, 2013. "Abanye abaQinisekisi banokuCima iziCwangciso," iWall Street Journal, ngo-Oktobha 3, 2014. "I-IncCheck.org , NgoJulayi 10, 2012.)
Olungakumbi kwi-Obamacare
Ingakanani i-Obamacare Iya kuxabisa? | INqanaba leNtlupheko yeNtlupheko Ingaba isebenza kanjani? l | Okuhle nokubi
Iindleko ze-Obamacare | I-Obamacare ichazwe - Yilula Kwanele Ngoko Umntwana Wakho Uya Kuyiqonda | |