Indlela Imigaqo Yokunakekelwa Kwempilo yeTrump izakuphakamisa ngayo amaxabiso e-Premium
Ekubeni ezi zicwangciso zikhangeleka kubantu abancinci, abasempilweni, utshintsho luya kubangela ukunyuswa kwama-premium kwizicwangciso ezipheleleyo.
NgoJanuwari 11, 2018, ukulawula kwakhe kwavumela ukuba amazwe afake iimfuno zomsebenzi kwi-Medicaid. Amazwe angama-10 acele le mvume. Baya kunciphisa iindleko zabamkeli "abanamandla" ngaphandle kokuba banomsebenzi, banonophelo, okanye basesikolweni.
Imfuno ayiyi kuphazamisa ama-95 ekhulwini labamkeli beMedicaid. Amaphesenti anesithandathu aneminyaka engaphantsi kwe-18 okanye ngaphezulu kwe-65. Elinye iipesenti ezingama-25 sele zisasebenza. Ubuncinane ipesenti ezili-10 zikhubazekile, abaxhasi, okanye abafundi. Imfuno ekujoliswe kuyo ipesenteji encinci yabantu abadala abangenamntwana abangaphantsi kwe-ACA.
Ulawulo lukhuthazwe ukuba lungenise i-waivers eyenza enye i-Medicaid iguqulwe. Ngokomzekelo, amazwe acele ukuba ahlawule iipomisamu zabamkeli be-Medicaid. Abanye bafuna ukunciphisa ixesha abafumanayo banokufumana izibonelelo.
Kukho nezinye ezifuna ukuhlolwa kweziyobisi.
Ukuchithwa kweMatyala
Ngomhla we-22 kuDisemba, 2017, uMongameli uTrump wasayina uMthetho wokuThuthwa kweRhafu kunye neMisebenzi. Iphinda irhafu yerhafu kulabo abangenayo inshorensi yempilo. Oku kususa i-incentive kubantu abaphilileyo ukufumana i-inshorensi. I-CBO iqikelele ukuba abantu abayizigidi ezili-13 babeza kuhlawula igalelo ngenxa yoko.
Iindleko zonyango ziza kuphakama kuba kuya kuba nabancinci abantu abaphilileyo abahlawula ama-premium. Iinkampani zomshuwalense yezempilo ziya kushiywa ngabantu abagulayo kuphela.
Ukususwa kwamagunya kuthetha ukuba abantu abancinci baya kufumana unyango lokukhusela okanye unyango lwezifo ezingapheliyo. Imiqathango yabo iya kuba yinkqubo enkulu yokudala ingxaki yempilo. Baya kusebenzisa amagumbi aphuculayo njengendawo yokunyamekela okuphambili, ukuthumela iindleko kumntu wonke. Olunye uphando lubonisa ukuba ama-premium aya kuphakama phakathi kwama-35 ukuya kuma-94 ekhulwini kwiminyaka emithathu ezayo. Icandelo le-South kunye neMidwest liza kuthwala ubunzima bexabiso lokunyuka kwamaxabiso.
Isigqeba esiLawulayo soLawulo lweTrams
Ngo-Oktobha 12, 2017, uMongameli uTrump wasayina umyalelo olawulayo wokuguqula i-Obamacare ngeendlela ezintlanu. Ezi zinguqu zaqala ukusebenza ngoJanuwari 2018.
Okokuqala, umyalelo uqondisa uNobhala wezeMisebenzi ukwandisa ukufikelela kwizicwangciso zezempilo . Le migqaliselo iyenzeka ukuba ifumaneke kumaqela ezohwebo, amashishini amancinci kunye neminye imibutho. Umyalelo uwandisa iintlobo zamaqela angenza ezi zicwangciso zezempilo. Iyabalathisa ukuba banqabe ukukhawuleza okanye bahlawule ngaphezulu kwabo babenemiqathango ekhoyo ngaphambili. Kuya kuvumela abantu kwimibutho yezempilo ukuba bafikelele ukuthenga iinkqubo kwamanye amazwe.
Umyalelo uzalisekisa isithembiso sephulo lokuvumela iinkampani ze- inshorensi zempilo ukuba zithengise imigaqo-nkqubo kummandla welizwe. Umbuso ngamnye unemimiselo ethile. Oku kwenza ukuba kubize kwiinkampani zomshuwalense kazwelonke ukuba zisebenze kumazwe ahlukeneyo. Ngenxa yoko, iinkampani ezintlanu zenza inkonzo yesiqingatha se-insured population. Ukhuphiswano olwandisiweyo lufanele luthintele amandla olawulo lwamaqela kunye neendleko eziphantsi.
Kodwa umyalelo olawulayo unokukwenza okuchaseneyo. Iikhampani ezinkulu ziphela zine-clout yokusebenza kuwo wonke umgca welizwe phantsi komgaqo-nkqubo wangoku. Ukuba kuba lula kubo ukuba benze njalo, babeza kunyusa amaxabiso. Okwesabisa ngakumbi kukuba imigaqo-nkqubo entsha ayiyi kuba yilawulwa ngokukhawuleza. Ulawulo luya kubaxolela kwiMithetho yoNonophelo lweMpilo yoncedo kunye nakwamaphepha-mvume karhulumente.
Ngenxa yoko, izicwangciso aziyi kuba neenjongo eziyimfuneko ezi-10 ze-ACA.
Baye bakwazi ukubeka ixesha lokuphila kunye nemigangatho yonyaka. Ezi zicwangciso zinokubonakala ngathi zenzeke ekuqaleni kwawo-1990. Bashiye abantu abangama-398,000 nge $ 123 yezigidi kwiimangalo ezingakhokhelwa .
Ukuba lo mgaqo uphumelele, unokubangela ukuba abantu bangabikho kwi-inshurensi enikezelwa kwiingxoxo. Baya kuthungela kwiiplani zobudlelwane bexabiso eliphantsi, nangona banikela ngeenzuzo ezimbalwa. Izicwangciso ezifanelekileyo ze-ACA ziya kubanjelwa nabantu abagula kakhulu. Oku kufana nokucela iinkampani zomshuwalense yomshuwalense ukuqinisekisa kuphela abo babesemotweni yemoto. Oku kuya kunyanzela iinkampani zomshuwalense ukuphakamisa amaxabiso okanye ukuyeka ukutshintshiselana.
Umyalelo ungathintela nabo abanezicwangciso ezixhaswe nenkampani. I-ACA ivumela abaqeshi ukuba bakhethe isicwangciso sokubakho nawuphi na urhulumente. Oku kwakungekho nto xa i-ACA iyala zonke izicwangciso ukuba zibe neenzuzo ezifanayo. Kodwa abaqashi bangase batshale kwiiplani ezintsha ngeenzuzo ezimbalwa kuba zibiza imali encinci.
Okwesibini, umyalelo we-Trump olawulayo ucela uNobhala wezabasebenzi ukunciphisa izithintelo kwiiplani zempilo zexesha elifutshane . Ngaphantsi kwe-Obamacare, le migaqo ingasigxina ngaphezu kweenyanga ezintathu. I-Trump ifuna ukuba ifike kwiinyanga ezili-12. NgoFebruwari 2018, ulawulo lweTrump lucebise izicwangciso zokubeka le nguqulelo.
Okwesithathu, umyalelo ucela uNobhala wezeMisebenzi ukuba avumele abaqeshi ukuba basebenzise ama-dollar e-pretax " kwiimbuyekezo zokubuyiselwa kwempilo." Oku kunceda abasebenzi bahlawule iindleko zonyango. Ngaphantsi kwe- Obamacare , abasebenzi bangabhawula kuphela imigaqo-nkqubo yempilo edibene nemigaqo yayo.
Okwesine, umyalelo uthumela isifundo ukufumana iindlela zokunciphisa ukuhlanganiswa phakathi kwe-inshorensi kunye nezibhedlele zesibhedlele.
Okwesibini, iyalathisa i-arhente ukufumana iindlela ezongezelelweyo zokunyusa ukhuphiswano kunye nokukhetha kwiinkonzo zempilo.
Plan Alexander
Ngo-Oktobha 12, ngo-2017, uMongameli uTrump wayeka ukuhlawula abo baso- inshorensi abaye banqumla iinqununu kunye neentlawulo zee-6 ezigidi zabathengi abanomvuzo ophantsi. I-Hed yatsho iCongress ukuba ayiyi kubeka iifom zezimali ukulungiselela ezi ncediso ze-ACA. Uphononongo lubonise ukuba inkxaso ivumela iinkampani zomshuwalense ukuba zikhuphe abantu abayizigidi ezingama-3.2. Baya kuba neengeniso ezaneleyo zokunciphisa ama-premium kubo bonke abantu ngama-20-40 ekhulwini.
Ngo-Oktobha 17, ngo-2017, iiSenators uLamar Alexander, uR-Tenn, kunye noPatty Murray, iD-Wash., Bhengeze i-bipartisan deal yokugcina i- Obamacare ekuhlaselweni kwangoku. Ingxelo ye-Alexander-Murray yayiza kuqhubeka nokuxhaswa kwaze kwaba ngo-2019. Yazama ukubuyisela i-$ 106 yezigidi ukukhuthaza ukuthengisana kwe-inshurensi yezempilo . Abashuseli banokunika izicwangciso ezinobungozi kulabo abangama-30 okanye ngaphezulu. Yayikhulula imfuno yokuba amazwe afumane ama-1332 aivers. Kwakudinga imigaqo-inshorensi yokukhupha iimfuno eziyimfuneko ezi-10 ngaphandle kokuphakamisa amaxabiso kulabo abanezimo ezikhoyo ngaphambili . UAlexander-Murray akazange avunywe.
Emva kokuba iTrump ime ukubuyisela imali, iinkampani ze-inshorensi zithi maziphakamise ama-premium amakhasimende ngama-20 ekhulwini. Ukuzigcina ekutshintshisaneni, iifayili kufuneka ivume ukunyuka kwamazinga. Ngokomzekelo, uKentucky, Mississippi, naseVirginia bavumile ukunyuswa kwezinga leepesenti ezingama-25. Inkxaso-mali ye-ACA iya kubandakanya ezo zinyuka kubantu abaninzi. Kodwa oko kwongezela kwisiphene. Uhlahlo lwabiwo-mali lwe-Congressional I- Trump's move will cost uhulumeni ubuncinane i-$ 194 yezigidigidi kwiminyaka eyi-10 ezayo.
Ezinye iinzame zokuLawula i-ACA
UTump ucele iCongress ukuba yenze isicwangciso sokutshintsha indawo ye-Obamacare . Kuyo yonke i-2017, bacebisa ezinye iindlela. Akukho namnye kubo onokufumana iivoti ezaneleyo.
NgoSeptemba 22, ngo-2017, ulawulo lweTrump lwalumemezele ukuba luya kuvala i-inshurensi yempilo yeeyure eziyi-12 ngosuku lokuqala lokubhalisa okuvulekileyo, ngoNovemba 1, 2017. Iya kuvalwa ukutshintshisana ukususela phakathi kobusuku ukuya kusihlwa " lokubhaliswa okuvulekileyo ngaphandle kweDisemba 10, 2017.
Ulawulo lweTrump lugqithise imali kunye nabasebenzi abafunekayo ukunceda abantu babhalise. Ukunciphisa i-$ 5 yezigidi kwiintengiso. Kwakhona kwathumela imiyalezo engalunganga malunga ne-ACA kwi-YouTube nakwi-Twitter. Sekunjalo, abantu abayizigidi eziyi-8.7 batyikityo ukuze bafumane ingxelo kwiindawo ezingama-39 kwiintlangano zoshishino. Kwakuyi-0.5 yezigidi ngaphantsi kwe-2016.
UMongameli wayala i-Internal Revenue Service ukuba avumele abantu ukuba batyelele xa bengenayo i-inshurensi .
Kwiintsuku zokuqala eziyi-100 , uMongameli uTrump wasayina umyalelo olawulayo ukuba "unciphise umthwalo" we-Obamacare . Yayiqondisa i-arhente ukuba yenze into enokuyenza ngaphakathi komthetho okhoyo ukuphakamisa imimiselo ye-ACA.
Iimpawu zeTragump ziyakuthinta njani
Ukuba unempilweni, izenzo zeTump ziyakunciphisa iindleko zakho. Okokuqala, awusayi kuphinda uhlawule isohlwayo phantsi kwesicwangciso serhafu esitsha. Okwesibini, ungathenga i-short-term okanye iqumrhu lombutho elithengela ngaphantsi kodwa alinikezi zonke i-10 ACA. Ukuba uthe wagula, ungaphaya kwesicwangciso seminyaka okanye umda wokuphila. Emva koko uza kufuneka uthenge inshurensi yase-Obamacare ngexabiso eliphezulu kakhulu.
Ukuba unesifo esingapheliyo, iindleko zakho ziya kuphakama. Kungenxa yokuba kuya kufuneka ukuba uthembele kwiiplani ze-ACA kwiingxoxo. Njengoko abathengi abasempilweni bashiya ezo zicwangciso, iinkampani ziya kuphakamisa amaxabiso ukuze zihlale zizuzisa.
Iindleko zezempilo zeSizwe ziza kuphakama ngokukhawuleza kunokuba ngaphantsi kwe-Obamacare. Nge-ACA, iindleko zenyuka malunga nama-5 ekhulwini ngonyaka. Ngo-2014, banda ama-5.3 ekhulwini. Ngo-2015, bavuka ama-5.8 ekhulwini. Ngo-2007, bavuka ngama-6.5 ekhulwini. Ukususela ngo-2000 ukuya ku-2004, iindleko zokunakekelwa kwempilo zenyuka ngama-7 ekhulwini ngonyaka. I-Obamacare yanceda abantu abaninzi bafumana unyango lokukhusela okungezantsi phambi kokuba bafune ukunakekelwa kwegumbi eliphezulu leendleko.
Isicwangciso seTrump sinokudibanisa namatyala. Njengoko iindleko zomshuwalense ziphakama, kuya kuba njalo neendleko zenkxaso-mali. Oku kwandisa ukulahleka kunye netyala .
Imvelaphi
Ukwandiswa kwe-ACA kwazisa imboni yeenkonzo zempilo abaninzi abathengi abatsha. Ichasene nayiphi na inguqu ethatha abathengi. Ngenxa yeso sizathu sodwa, bachasa ezinye zezicwangciso zeTrump.
Amaqela ezibhedlele aphikisa izicwangciso zeTrumps ngezizathu ezithile. Abafuni ukuba iindleko zabo zegumbi zongxamiseko zikhuphuke. Bayaqonda ukuba kuya kwenzeka emva kokunyamekelwa kokukhusela phantsi kwe-Medicaid kwandiswa.
I-inshurensi yempilo yomshuwalense, iMicrosoft Insurance Plan, ichasene nayiphi na iyancitshiswa kwiMedicaid. Icandelo liza kufaka amacala okulwa naluphi na icebo abangayifuniyo. Yadlala indima ebalulekileyo ekwakheni i-Obamacare. Ngokomzekelo, bekuxanduva lomntu ngamnye . Iinkampani ze-inshorensi aziyi kuqinisekisa abo abagulayo ngaphandle kokuba urhulumente anikwe igunya lokuba nempilo ifakwe.
I-Trump ithembisa ukuba ayikho ixesha elide kwizicwangciso zangoku
Ngo-Matshi 2017, uTumpump wachaza ukuba ufuna ukuvumela iMagare ukuba ixoxisane nexabiso elincinci lemithi yeziyobisi kunye neenkampani zonyango. Ukwenza oku, iNkomfa yayiza kufuneka ilungise isenzo esasungula i- Medicare Part D. Yayivumelekile i-Medicare ukuthetha. Iinkampani zonyango zithi zifuna ukukhuselwa ukubonelela ngemali yophando nophuhliso lwezilwanyana ezintsha. I-CBO ifumene ukuba i-Medicare ayiyi kusindisa kakhulu ngokuthetha. Kungenxa yokuba iinkampani ze-inshorensi zempilo sele zenze ingxoxo eninzi.
Kwixesha elidlulileyo, iTump ikhankanyile iingcamango ezine ezilandelayo, kodwa azikho naziphi na izicwangciso zamabandla ezikhoyo.
1. Gcina inzuzo ye-Medicare ne-Social Security . Ezi zinzuzo ziyinxalenye yebhajethi efunekayo . Zadalwa ngaphambi kweZenzo zeCongress kwaye azikwazi ukutshintshwa ngumongameli. Ayinakuyicombulula ingxaki yokunyuka kweendleko zezempilo.
2. Ukunikezela "isicwangciso-mali esisekelwe kwihlabathi" . I-Trump ekuqaleni yayifuna ukubonelela uluhlu lwezinto ezikhethiweyo ezifanayo neNkqubo yeZibonelelo zezeMpilo ze-Federal Employees. Ngo-2016, wacebisa ukuba kwandiswe i-Medicare. Yilokho okwakusisicwangciso sokuphucula ukhathalelo lwempilo yasekuqaleni kuka-Obama . Uninzi luchasene nokufihlakeleyo , ngokukodwa ukuba bayayibona njengophawu lwezenhlalakahle. Esi sizathu esinye sokusilela kwe- Hillary ukunakekelwa .
3. Kufuna ababoneleli ngezempilo ukuba bathumele amaxabiso enkonzo zabo . Okuvumela abantu ukuba bathenge ixabiso elifanelekileyo. Ukhuphiswano kufuneka liqhube amaxabiso.
4. Vumela abathengi ukuba bathenge izidakamizwa ngaphandle . Ukhuphiswano kufuneka luqhube amaxabiso eziyobisi.
Ezinye iinkqubo zokuThumela : Ukufudukela kwamanye amazwe Uphuhliso Lwemisebenzi | NAFTA | Matyala kaZwelonke
Ukuqonda kakuhle i-ACA, khangela incwadi yam, "I-Ultimate Obamacare Handbook."