Njengolawulo oluqhelekileyo, iwaka leminyaka iyakhathazeka kakhulu, ithetha ukuba banokuthi babuze imibuzo malunga neendleko zonyango kunye nokufumana ingxelo ngaphambi kokuba bafumane. Yaye loo mkhuba ibonisa iindlela ezahlukileyo zokufumana unyango. Ngokomzekelo, abaneminyaka engamawaka eminyaka abanako ukubuyela kumgqirha wokunakekelwa ngokusisiseko ngononophelo olungengxamisekileyo, kunokuba bakhethe iikliniki zentengiso, amaziko okunakekelwa ngokukhawuleza, okanye amagumbi okuphuthuma.
Kwaye banako ukunyathela ukunakekelwa ngokupheleleyo: Ngokomphando ovela kwi-Transamerica Centre yeZifundo zezeMpilo (TCHS), phantse isiqingatha sezigidigidi ziye zanciphisa iindleko zonyango ngokunyuka, ukulibaleka, okanye ukuyeka ukunakekelwa, kunokuba uzame ukulungisa iingxaki zempilo okwabo.
Kwaye ngenxa yokuba esi sizukulwana sidla ukunakekelwa ngonyango ngendlela eyahlukileyo, kufuneka ukuba bacinge ixesha elide kunye nobunzima malunga nendlela abakhetha ngayo inshorensi yabo yezempilo.
Ngoko ukuba uneminyaka eyi-millennium, kufuneka uqale ngokukhangela emva komnyaka ongaphambili ukuze ufumane ingqiqo yokusetyenziswa kwakho okuqhelekileyo: Zingaphi ixesha oya kuzo kugqirha, kwikliniki, ukuya kwi-ER? Zingaphi izihlandlo ofuna ukuya kuzo, kodwa azibanga ngenxa yeendleko? Uchithe ixesha elingakanani kwiidakamizwa zamachiza, kwaye ngaba kukho nawuphi na owenzayo ngokuqhubekayo? Ngaba zikhona ezinye iimfuno zezonyango okanye iimeko eziphezulu kwengqondo-mhlawumbi ucinga ngokukhulelwa, okanye ukufumana unyango lomzimba wakho?
Emva kokuba usugqibile ukuba ukuvavanya, yile nto okumele uyenze.
Yazi i sigama
"Into ebalulekileyo kwiminyaka eyi-millennial-ikakhulukazi abathengi bokuqala abancedisa umzali wabo-uyayiqonda ngokucacileyo iingcamango eziphambili ezithatha iindleko," kusho uJennifer Fitzgerald, CEO kunye nomqambisene nomgaqo-nkqubo we-PolicyGenius, indawo yokuthengiswa kwe-inshurensi ye-intanethi.
"Ukunakekelwa kwezempilo kuyinkimbinkimbi ... i-premium oyihlawulayo ayiliyo ibali elipheleleyo." Kufuneka uqonde ukuhluka kobomi phakathi kwezicwangciso ezidityanisiweyo (mhlawumbi ne-HSAs) kunye ne- PPOs . Kwakhona kubalulekile ukuxhomekeka kwii-copays (iindleko eziphathekayo ozihlawulela iinkonzo, njengokumisela kunye namachiza) kunye ne-coinsurance (ipesenti yeendleko zeenkonzo ohlawula ngazo, ngokuqhelekileyo emva kokuba udibane ne-deductible yakho). Okufanayo kuya kuma-premium, ama-deductibles kunye nama-maxim-out-of-pocket maximums.
Hlela uhlahlo lwabiwo-mali kunye nokuthelekisa-Thenga
Njengoko nayiphi na inkcitho entsha, bala ukuba ungaphila ukuhlawula inyanga nganye-kwaye uzibuze ukuba uninzi kangakanani uzimisele ukuhlawula. Ngeli xesha lokubhalisa elivulekileyo, iiprayimari zenyanga zenyanga ezili-18 ukuya kuma-24 zilinganiselwa kuma-219 ayi-219, ngokutsho kwe -Health, ukuthengiswa kwe-inshurensi ye-intanethi yangasese; iminyaka engama-25-34, i $ 288.
Ngokuqhelekileyo uthetha, "Ukuba unempilweni ngoku kwaye awukho nayiphi na inkqubo ezayo ecwangcisiweyo, ngoko uya kukhangela ngaphezulu," kutsho uFitzgerald. "Ukuba akunjalo, hamba ukuya kwinqanaba elincinci." Kwaye kungakhathaliseki ukuba ulala ngaphaya kweminyaka eyi-millennium, ngaba ukhathalela ngokufanelekileyo ukufumanisa intengo efanelekileyo ngokuthelekisa uthengisa zonke iindlela ozifumanayo, utsho uHector De La Torre, umlawuli olawulayo we-TCHS.
Ngamanye amagama, ngenxa yokuba unakho kwisicwangciso somzali wakho ukuya kutsho kuma-26 ubudala, akuthethi ukuba yinto ekhethekileyo enokuyifumana.
Qondisisa ukuba i-Pre-26 ne-Post-26 ihluke njani
Ukuba uneminyaka engaphantsi kwe-26, ukuhlala kwisicwangciso somzali wakho kunokunciphisa ukwedlula ukutshintsha kumqeshi wakho. Ukuba ukholeji, kungase kube lula ukukhetha isicwangciso sempilo sakho somfundi (izikolo ezininzi zeminyaka emine zinomnye). Kodwa ezo ziqhelekileyo: Awuyi kukwazi ngaphandle kokuba usebenze amanani. Emva kokuba uguqule i-26, unentsuku ezingama-60 ukuze ufumane inzuzo yakho yomshuwalense ukuba usenaso icebo lomzali wakho. Ngokuqhelekileyo, ukuba umqeshi wakho unikezela enye, leyo iya kuba yisisombululo esincinci kakhulu. Kodwa abanye abaqeshi bayadlula kakhulu kwiindleko kubaqeshwa, ukuze ukwazi ukwenza ngcono kwicebo lesitshati (ukuba unako ukufikelela kwenye) okanye ngokuthenga ngokuzimela.
Yayazi ukuba ukuba umqeshi wakho unika i-inshorensi yezempilo, awufanelekile ukufumana inkxaso-mali kwiintengiso, kwaye uya kufuneka uhlawule intengo ye-sticker. Kwaye ukuba unayo ingeniso-mali esekelwe kumqeshi, ngoko utshintshi lunokuba ngumlinganiselo wakho-kwaye unokulufanisa nemarike yendalo yomshuwalense (nge-broker okanye inkampani ngaphandle kokutshintshisana njenge-eHealth.com).
Khangela Ukuzonwabisa
I-Millennials iyakuthandeka ngokukhawuleza nangokulula, utsho uRobin Gelburd, umongameli we-FAIR Health, inhlangano engekho inzuzo efuna ukukhanya kwiindleko zonyango. Phakathi kwemisebenzi engahambisani nayo (oko kukuthi izikhundla zokuzimela okanye ukusebenza ngaphandle kwesiqhelo "9-to-5") kunye ukungabikho kokudala okanye ukugcina ubudlelwane obuqinile kunye noogqirha bokunakekelwa kwezilwanyana eziphambili, uthi indlela yokuthanda iiklinikhi zokuthengisa, ukukhathazeka ngokukhawuleza kunye namagumbi okuphuthuma akumangalisi. Ukuba u tyelela ezi ndawo rhoqo-okanye ukuya kubo kukukhetha-ke khangela izicwangciso ezizibandakanya kuzo. Kwakhona ujonge izicwangciso ezinikezela ngefowuni, okanye nge-elektroniki (nge-fowuni, i-imeyile kunye ne-webcam) kunye noogqirha ngeemeko ezingezoxinzelelo (cinga amaqabunga, i-flus, i-rashes, njl. Ngokomyinge we-$ 40-50, unokubona ugqirha-kwaye ufumane unyango oluchanekileyo-ukusuka kwintuthuzelo yakho kwikhaya lakho okanye kwiofisi. Iinkokheli ezimbalwa zoshishino zibandakanya iTeladoc, ugqirha kwi-Demand ne-American Well.
Inkcazo kwiMigaqo
Ngokufanayo, ukunakekelwa ngokukhawuleza kwama-junki kufuneka kugxile kwimimiselo . Ukususela kumbono weendleko, qonda ukuba unako ukugcina i-chunk enkulu yenguqu ukuba imimiselo oyithatha rhoqo i-formulary yesicwangciso sakho (oko kukuthi, zihlanganisiwe). I-Formularies ayitshintshi yonke into edla rhoqo, ngoko ke ukufakazela ukuba kwisigqibo sakho kuhamba kakuhle, utsho uFitzgerald. Kodwa, njengoko iNate Purpura ye-eHealth ichaza, kufuneka uqonde ukuba ukuba malunga neyesibini kwisithathu kwi-inshurensi yempilo yecandelo lempilo-mboleko ayigqubuthele imirhumo yakho yonyango de emva kokutshatyalaliswa kwakho. Ngoko ke, ukuba uchitha imali engaphezulu kwama-$ 50 kwinyanga kwimigqaliselo, kubalulekile ukukhangela kwiiplani kunye neentlawulo eziphantsi.
Kwakhona, ukuba uthengisa i-premium yenyanga ephantsi, uya kuhanjiswa ngeBronze okanye kwiNtshonkotha kwiintengiso. Kodwa ngemigqaliselo ebiza kakhulu engqondweni, ngokuqhelekileyo ulunge ngokusayinela isicwangciso seSiliva ukuze ubenqunyulwe okanye uhlanganiswe ngokupheleleyo.
Nantoni na oyenzayo, Musa ukuhamba ngaphandle
Ungacingi ukuba inketho engancinci ye-inshurensi yezempilo ayifani nayo. Ngaphantsi koMthetho woNonophelo ongenakunqwenelekayo, ukwehla kwe-inshorensi yezempilo kwindlela yokufumana i-intanethi ephezulu: Intlawulo yokungena-inshurensi yempilo ngo-2016 yayiyi-695 ye-$, okanye i-2.5 ekhulwini yengeniso yakho, nokuba yeyiphi ephakamileyo. Yaye eso sihlwayo sentlawulo-mali siya kuhlengahlengiswa ukunyuka kwamaxabiso ngonyaka we-2017. Nangona ulawulo lweTrump luya kuphelisa ukuchithwa kwemfuneko yomshuwalense wezempilo kunye nabanye abase-Obamacare, kuba ngoku eso sihlwayo sisekhona.
Kwaye kukho ezinye iingozi zemali ekungena ngaphandle kwe-inshorensi. Ukubingelela impilo yakho ukugcina imali ngoku kungakhokelela kwiingxaki ezingakumbi, kunye neendleko eziphezulu kakhulu, phantsi kweendlela. Ngokomzekelo, ukuba uyayinakuncipha umyinge kunye ne-$ 170 kunganelungelo lokuzalisa namhlanje, ngoko uzibeka engozini ngomngcambu weengcambu kamva, onokukuqhubela kuma-$ 1,000. Kwaye nangona unokuba uzive unempilo kwaye ungenakukhunjulwa kwi-20s yakho, yazi ukuba isifo esibi okanye ukulimala kunokwenzeka kunoma ubani-kwaye ukuba kwenzeka ntoni xa ungenayo inshorensi, ubeka umngcipheko wokutshatyalaliswa kwemali yakho kwaye ungene kwi- debt debt .
Kunye noKelly Hultgren