Ixabiso lentengo yesicwangciso sesilivere-phakathi kwe-tier kunye nenhlobo ephakamileyo yepolisi ethengiswayo kwi- Obamacare exchanges-ikhula ngamaphesenti angama-34 ngo-2018, ngokutsho kophando oluvela kwi-Avalere Health, eWashington DC
iqhagamshelwano oluqinileyo. Ukugquma ukusuka kwi-$ 554 ukuya kwi-743 kwinyanga ininzi kunabantu abaninzi abanokuyisebenzisa.
Ngethamsanqa, ngenxa yenkxaso-mali (ngaphezulu kulawo mzuzwana), akuyena wonke umntu oza kulukhupha yonke loo mali ukukhusela ipolisi yesilivere. Kodwa kulabo abangenako ukufumana imigaqo-nkqubo yokutshintshiselwa kwendabuko, kukho ezinye iindlela ezinokuthi zithengeleke.
Ngaphambi kokuba ungenele kulezo zikhetho, inqaku lokulumkisa, uthi unonophelo lwezokwelapha uShelby George, oyiNtloko-ngameli weeNkonzo zoMcebisi eManning naseNapier. Inyaniso engamhlanjesi namhlanje kukuba kukho ininzi, ingxaki kunye nokungaqondi kakuhle kwi-inshorensi yezempilo, "utshilo. "Kufana nokuthenga imoto. Sebenzisa iiyure eziyimfuneko ukuqonda oko ufumene oko uhlawulayo. "Nazi ezinye iimbuzo ofuna ukuzibuza.
Ngaba Unokufumana I-inshurensi YeeNtlawulo?
Ngaphambi kokuba ugubungele intloko yakho kwipolisi yomgaqo-nkqubo ongenakukhutshwa, qaphela oko uza kuhlawula ngokwenene.
Kubantu abaninzi, impendulo ingabi nto.
Ukuze siqonde ukuba kutheni, kufuneka sijonge ukunyuswa kwe- Trump ekutshintshweni kweendleko zokususa iindleko-ezo ntlawulo ezenziwa ngu-insurers ukuba zincedise iindleko zokunakekelwa kwempilo kubantu abancinci. Abatshutshisi, ababonelela kwangaphambili oku kufikeleleka, bathuthukisa iindleko zesiqili zabo zesilivere.
Kodwa umphumo wecala lo phuhliso kukuba sibonile ukunyuka kobukhulu bee-premium ezixhaswa ngabantu abafumana imali engaphantsi kwamaxesha amane entlupheko (malunga nama-48,000 amawaka ngabanye, kunye neentsapho ezine ezifumana ngaphantsi kwama-98,000). Ngamanye amazwi, iintsapho ezifumana umvuzo ophantsi ziya kuzuza.
Ukuba usacwangcisiweyo ekuthengeni isicwangciso sesilivere-esiziphethe iipesenti ezingama-70 zeendleko zonyango , kunye nezinye iipesenti ezingama-30 ezigqitywe yi-insured-uza kufuneka wenze umehluko phakathi kwe-subsidy kunye ne-premium epheleleyo. Kodwa ukuba uthatha isibonelelo kwaye uyisebenzise kwisicwangciso sobhedu, esibandakanya iipesenti ezingama-60 zeendleko zonyango , awufanele uhlawulwe ngaphandle kwepokothini. Wonke umbuso unemithetho eyahlukileyo kunye neendleko ezihlukeneyo, kodwa oku kukhangela phambili phambi kokuba uhlole ezinye iindlela.
Ngaba Umgaqo-nkqubo wexeshana kum?
Okumangalisayo kukuba, i-inshorensi yempilo iba yinto engenakuhlawuleka kubantu abanokwenza okuninzi ukufumana inkxaso-mali ye-premium, kuchaza uNate Purpura, oyiNtloko kaMongameli wezeMveliso zabaSebenzi kwi-eHealth.com. Umthetho ononophelo loNonophelo weNtloko uchaza "ukungenakulungiswa" xa iindleko zidlula iipesenti ezi-8 zomvuzo wakho opheleleyo. Uhlalutyo lwePurpura lubonisa ukuba abantu abenza phakathi kwama-49,000 ne $ 69,000, kunye neentsapho ezenza phakathi kwe-$ 99,000 kunye ne-129,000 zamawaka, ziwela kuloluhlu.
Ngelo xesha, awuyi kuhlawulwa ngenxa yokungazithengi i-coverage-kodwa, ngokuqinisekileyo, akuyiyo into esiya kuyiphakamisa. Ukuba awukwazi ukufumana indlela yokwenza umgaqo-nkqubo wendabuko ngokusika ezinye iikona, umgaqo-nkqubo wesikhashana useyinto enye yokuqwalasela. UMongameli we-Trump's Executive Order wanikezela ukunikezelwa kwemigaqo-nkqubo yexesha elifutshane, apho bekungekho inyanga ezintathu. Oku akuzange kwenzeke okwangoku, kodwa unako ukufumana into efanayo ngokuthenga umgaqo-nkqubo weenyanga ezintathu uza kuvuselelwa kwiinyanga ezilisithoba ezalandelayo.
Nangona le migaqo-nkqubo ayikugubungeli ngeemeko zangaphambi kokuba zikhona ngaphambi kokuba uthenge umgaqo-nkqubo, i-Purpura ichaza ukuba xa uhlakulela imeko ngexesha lekota, uya kuba negalelo kulo lonke unyaka.
Iipolisi zesikhashana esifutshane zinika iingenelo ezincinci xa ziqhathaniswa nemigaqo-nkqubo ye- Obamacare exchanges-ababandakanyi ukunakekelwa kwabantwana, ukusetyenziswa kakubi kweziyobisi kunye nempilo yengqondo, kwaye banakho ukuhlawulisa ngakumbi ekuqaleni kweemeko ezineemeko zangaphambili.
Kodwa, ngokubanzi, bahlawula ngaphantsi kwemigaqo-nkqubo epheleleyo ngaphandle kwengcediso. Umntu oneminyaka engama-35 unokuthenga umgaqo-nkqubo nge-$ 5,000 echithwayo kunye ne-$ 500,000 kwizibonelelo ezifumanekayo malunga ne-$ 100 ngenyanga.
Okanye, mhlawumbi i-Combo Platter?
Enye indlela yokuzibamba ingqalelo nge-combo platter yeentlobo, ukudibanisa i-inshorensi yemveli yenkxaso-mali (eyenzelwe ukuhlawula isibonelelo somhla ngemihla xa ukhulelwe esibhedlele okanye ngengozi) ngecebo elifutshane elifutshane okanye lezonyango elinokukunceda ukuya kumgqirha amaxesha ambalwa ngonyaka ngenxa yezifo zakho ezincinci. I -Health yabona abathengi-jury-ukugubungela ezi ntlobo zamalungiselelo ngokwabo, ngezinye iziphumo ezinzima. Yonke ibango kwakufuneka ifakwe kunye nabo bonke abatshutshisi kwimenyu ukuze yonke idola enokwenzeka ibuyiswe kwakhona. Oku kwinkimbinkimbi, ngoku kutshanje inkampani ikhiphe izicwangciso ze-combo kunye nabashuseli bodwa ukuba benze lula inkqubo yebango. Sekunjalo, i-Purpura iphawula ukuba kufuneka uyiqwalasele ngokukodwa izinto ezimbini: "Ingaba isicwangciso sonyango esibhalwe phantsi [esekelwe kwimpilo yakho], okanye umbandela oqinisekileyo ?," utsho. Kwaye okwesibini, "Kuza kubandakanya ntoni imihla ngemihla ukuba uhlala esibhedlele?" Musa ukukhohliswa, uthi: Qinisekisa ukuba uyayiqonda into oyifumanayo oko uhlawulayo. Iyintoni i- Ambetter esuka kwiNkxaso engxamisekileyo ?