Yintoni ephosakeleyo nge-Obamacare

11 Iingxaki Ngomthetho ojongene noKhathalelo

Yintoni engafanelekanga kwi- Obamacare , ngokunye eyaziwa ngokuba nguKhuseleko lweMonde kunye noMthetho woNonophelo oThathaka . Nazi iingxaki ezili-11 kunye nomgaqo-mthetho ogqithiseleyo ukususela kuMthetho woKhuseleko loLuntu kunye neMedare. Zininzi zezi zizathu kutheni uTumpump ufuna ukutshitshisa nokuyitshintsha .

1. Kunzima ukuqonda ukuba uninzi lwentlawulo ye-Obamacare ohlawulayo xa ungathengi i-inshorensi. Ngo-2016, yanda kwipesenti ezi-2.5 zeengeniso ezipheleleyo. Intlawulo yakho encinci i-$ 695, kwaye isixa sakho esiphezulu sixabiso lecebo leBronze. Ubuncinane bakho bunokuba buphakamileyo kuxhomekeke kwimiba emininzi yentsapho onayo.

1. Iingcali azivumelani nokuba i-ACA iyanciphisa ukusilela. Ukuqalwa kwangaphambili kwakuyimali eyi-143 yezigidigidi. Abanye baqikelela ukuba kuya kufaka i-1.76 trillion kwi-ityala. Oku bekubi kuba iCongress yadlulisela i-ACA ukunciphisa iindleko ze-Medicare neMedicaid. Iintlawulo ze-Federal zezi ntlawulo zidla yonke ibhajethi . Okushiya ngaphantsi kwiiprogram zohlahlo lwabiwo-mali . Kunzima ukuqonda iindleko zinyani ze-Obamacare kuluntu xa iingcali zingavumelani kakhulu.
2. UMongameli u-Obama wathembisa ukuba, ukuba uyathanda isicwangciso sakho, unako ukuwugcina. Kodwa iinkampani ze-inshorensi zempilo ziye zakhansela izicwangciso zabantu abayizigidi ezi-1. Kungenxa yokuba abazange bahambisane nezibonelelo zezempilo eziyimfuneko ezi-10 ze-ACA. Yayisisigqibo sabo, kungekhona sika-Obama. Kodwa abaninzi abantu balahlekelwa yinshurensi ngenxa yoko.
3. I-ACA ishintsha indlela i-Medicare ibuyisela ngayo izibhedlele. Itshintshela kwimali-ye-inkonzo kwiintlawulo-based based. Oko kuthetha ukuba uya kuyeka ukuhlawula zonke iimvavanyo, uvavanyo kunye nenkqubo. Kunoko, iya kusekela iintlawulo malunga nendlela isigulane esenza ngayo. Oku kufuneka kuthinte iindleko ngexesha elide. Kodwa kudala utshintsho olubuhlungu kwiinkqubo zesibhedlele ngexesha elifutshane.

1. Kudinga iiofisi zoogqirha ukuba zikhomputha zonke iirekhodi zonyango. Urhulumente waqala ukuzisa le ngxelo ngo-2009 njengenxalenye yoMthetho wezoThutho zoQoqosho . Oku kwenza ubomi bubuhlungu kumaofisi ogqirha. Ngomhla ka-Oktobha 1, 2013, oogqirha kufuneka bakhethe kwiikhowudi ezingama-140 000 (ukusuka kwi-18,000) xa ufaka idatha malunga nokuxilongwa. Iirekhodi zebhedlele kufuneka zihambisane ne-Medicare entsha yentlawulo-based based system.

1. Yenza ukunakekelwa kwempilo kufumaneke kwizigidi ezininzi. Kodwa ezo nkcitho zonyango zonyuka kwixesha elifutshane. Abantu abaninzi bafumana unyango lokukhusela okokuqala ngethuba leminyaka. Iimvavanyo kunye neyeza zonyango, i-cholesterol, kunye nesifo sikashukela senyusa iindleko zeenkampani zomshuwalense .
2. Imindeni ilahlekelwa ukuncitshiswa kweerhafu kwiindleko zonyango ezingaxhaswanga. I-ACA iphakanyise izinga elichithwayo ukusuka kuma-7.5 ekhulwini kwerhafu engeniso kwi-10 ekhulwini.
3. Iintsapho eziphezulu zengeniso zihlawulwe irhafu yerhafu. Kwachaphazela abantu abayizigidi ezi-1 kunye nezibini ezizigidi ezi-4 ezenza izigidi ezingaphezu kwama-200,000 kunye nama-250,000 ngokulandelanayo. Kwachaphazela iirhafu zerhafu kunye neerhafu zentlawulo.
4. Phakathi kwezigidi ezi-3 kunye nezigidi ezi-5 zabantu baye balahlekelwa zicwangciso zabo zononophelo lwezempilo. Amashishini amaninzi afumene ukuba yindleko ephezulu ukuhlawula isohlwayo kunokunikezela ngeeninshurensi zempilo. Amashishini amaninzi amancinci atholakale ukuba abasebenzi bafumana isicwangciso esingcono ngokutshintshiselana.
5. Iinkonzo zempilo kunye neenkampani ze-inshorensi zempilo zihlawulwe irhafu eyongezelelweyo ukuze incedise ukuhlawula iintlawulo ze- Obamacare . Bangadlulela ezi ndleko kubabhengi njengeprayimari eziphezulu. Iinkonzo zokunyusela ngaphakathi zihlolwe i-10 yepesenti zerhafu. Iikhampani zonyango ziza kuhlawula i-$ 84.8 yezigidi zemali kwiimali ezili-10 ezizayo. Okuya kuhlawula ngokuvala "umgodi wecala" kwi-Medicare Part D. Izixhobo zonyango nabaxhasi bezonyango zihlolwe i-2.3 yepesenti zerhafu ngonyaka ka-2013. (Qaphela: Inkomfa yamisa irhafu yonyango ye-2016-2018.) Iinkampani zomshuwalense ziya kuhlawula Ipesenti ezingama-40 zithatha irhafu kwi-"Cadillac" izicwangciso zempilo ngo-2020. Ezi zicwangciso zenzelwe abantu basezikhungweni ezinobungozi obukhulu, njengabasebenzi abadala okanye abo abaneemisebenzi engozi.

1. Ukuthenga i-inshorensi yempilo kusekho nzima. Ngokomzekelo, ukutshintshisana kukunikezela ngeentlobo ezine zemigangatho yomshuwalense: Ibhondi, iSilivere, iGold nePlatinum. Ngoko ngoku kufuneka uqonde ukuba yeyiphi nqanaba oyifunayo. Kufuneka uqhathanise ama-copays, ama-deductibles kunye namanqanaba e-inshurensi yoqhagamshelwano phakathi kwabanikezeli abahlukeneyo. Ngakolunye uhlangothi, ukutshintshiselana kwabanika abathengi ngakumbi ukulawula kwinkqubo yokuthenga. Ngaphambi kwe-ACA, kwafuneka uthembele kumthengisi kunye nethemba lezona zinto zilungileyo.

Olungakumbi kwi-Obamacare

Iinyaniso Ngokuphathelele U-Obamacare | I-Obamacare ichazwe ngokulula nje ngoko Umntwana Wakho Uya Kuyiqonda | I-Obamacare Isishwankathelo | Kutheni Ulungelelaniso Lwezempilo? I-Obamacare Isebenza Kanjani? | Ingakanani i-Obamacare idibana nayo?

Ngenxa yeengxaki ze-Care Affordable Act, jonga yam incwadi ethi Ultimate Obamacare Handbook (2015-2016) .