Ukwahlula amaNqaku avela kwiHype
Ukuba ubeka ingqalelo kwiintloko ze-inshorensi zempilo kwiinyanga ezimbalwa ezidlulileyo, mhlawumbi uye wabona iindaba eziphazamisayo malunga nama-premium e-inshorensi ye-2017. Nakhu okufuneka ukwazi ukubeka iinkcukacha kumxholo
IiNtloko zijongene neMarike yabanye
Phantse zonke iintloko zeentloko zamehlo ziye zenziwa malunga neeprojimenti ze-inshorensi yempilo kwimarike nganye.
Yilapho abantu bathenge i-inshorensi yabo yempilo xa bengenako ukufikelela kwisicwangciso esilixhaswe ngumqeshi okanye umrhumo ovela kurhulumente ( Medicaid , Medicare , CHIP , njl).
Ngokutsho kohlalutyo oluqhutywe yi-ACA Signups ngo-Matshi 2016, imarike nganye iquka abantu abayi-18.2 yezigidi okanye malunga ne-5.6 ekhulwini labemi baseUnited States.
Ukuba ufumana i-inshorensi yakho yempilo kumqeshi wakho, okanye kwiprogram karhulumente, ukunyuka kwezinga lakho ngo-2017 akubona abo baye benza iinqununu kule hlotyeni (nangona inkqubo yokuhlaziywa kwe-premium yeqela iqhutywe ngexesha elifanayo, isilinganiselo esiphakamileyo sesilinganiselo seqela elincinciweyo ukwanda kwamanye amaninzi kumazwe aphantsi kakhulu kunokwanda kwezinga lokuphakanyiswa kweemarike).
Kwi-ACA Signups, uCharles Gaba ulandele ukwanda kwezinga lokuphakanyiswa kwee-2017 kwaye ulinganise ngokusekelwe kwisabelo semarike yomphathiswa ngamnye. Isiphumo-njengoko sekupheleni kukaJulayi, kumazwe angama-37 nakwiSithili sase-Columbia-ngumyinge wama-23 ekhulwini.
Kodwa kwakhona, oko kusebenza kuphela kwimarike nganye; ngaphezu kwama-94 ekhulwini kuma-America, ezo zihlomelo eziphakanyisiweyo azenziyo.
IiRhafu aziphelelwanga
Phantse kuwo onke amazwe, abalawuli basaphinde bahlalutye amaxabiso abaqinisekisi bempilo abaye bafaka ngawo ngo-2017. I-California ne-Oregon zigqityiwe inkqubo yokuphononongwa kwezinga ngoJulayi 2016, kodwa amazwe amaninzi akayi kugqiba inkqubo ukususela ngoSeptemba okanye Oktobha.
Kwimimiselo emine (eMissouri, e-Oklahoma, eTexas nase-Wyoming), urhulumente wesigqeba ulawulwa kwinkqubo yokuphononongwa kwemilinganiselo yeemarike zeqela kunye namancinci (i-Alabama ithatha inkqubo yokuphononongwa kwezinga layo ngo-Apreli 2016, kwaye uMissouri uya kuqala ukusingatha inkqubo yayo yokuhlaziya ireyithi ukususela ngo-2017).
Amanye onke amazwe kunye neSithili sase-Columbia baqhuba ukuhlaziywa kwamanani abo, kodwa ububanzi baloo ndululo buhluka ngokubanzi ukusuka kwelinye ilizwe ukuya kwelinye.
Uninzi lufuna ukucaciswa koluntu malunga nokuphakanyiswa kwezinga lokuphakanyiswa, kwaye ezinye zibandakanya ukuvalelwa komntu ukuxoxa ngeziphakamiso zesantya kunye nokuqokelela ingxelo evela kubathengi.
Abalawuli Abangenayo iWands Magic
Nangona amaxabiso e-inshorensi yempilo ephakanyisiweyo ahlolisiswa ngabalawuli, ukunyuka kwezinga elivunyiweyo kunokugqitywa kakhulu kunokuba abathengi bangalindela. Ukuba iirhafu ezicetywayo zichanekileyo ngokusekelwe kwiindleko zamabango, kuncinci ukuba abalawuli bangakwazi ukwenza ukuhlawula iiprayimari.
Nangona amajelo karhulumente kunye namagunya athengisa ama-insurers 'rate rates ukuba baqikelele ukuba ngaba bafanelekile, abanye bathi abanalo igunya lokukhanyela okanye ukuguqula (mhlawumbi okanye phezulu, kuxhomekeke kwidata) ukuhlawula iifayile ezenza ukuba zingabulungiswa.
Imfuno esemgangathweni yezemfuno zenkqubo yokuphononongwa kwemilinganiselo kukuba abalawuli bahlola iirhafu ezicetywayo kunye namaxwebhu axhasayo, kwaye banqume ukuba iirhafu zichanekileyo. Ukuba azinjalo, loo nkcazelo iyaziswa kwinsherensi yempilo, kwaye ukuba umgcini-mali uya kuqhuba ukuphumeza amaxabiso amasha ngaphandle kokuguqulwa okunye, abalawuli bayakwazisa uluntu ukuba amanani ayifanelekanga. Kodwa amaninzi amaninzi anemigaqo ephezulu yokuhlaziywa kwemilinganiselo evumela abalawuli ukuba babe nolawulo olukhulu malunga nokuba iirhafu ezicetywayo ziguqulwa ngaphambi kokuba zivunywe.
Nangona kunjalo, abalawuli belizwe banokuguqula kuphela iirhafu ezicetywayo ukuba amaxabiso awanakulungiswa ngedatha.
Njengoko iindleko zenyuka kwindleko, ngokunjalo iipresimenti zempilo-mali.
Abaqinisekisi bempilo kwiimarike zeqela kunye namacandelo amancinci kufuneka bachithe ubuncinane ama-80 eepesimenti kwiindleko zonyango kunye nokuphucula umgangatho wokunakekelwa kwempilo (kumaqela amakhulu, imfuno ubuncinane ama-85 ekhulwini kwiiprimiyam). Ukuba ngaba-inshurensi bachitha ngaphezu kokuba bavunyelwe kwiindleko zolawulo, kufuneka banike izizaphulelo zabo kubhaliso .
Xa ama-insuredrs amafayili amafayili omnyaka ozayo, bayazi ukuba idatha iya kuhlolisiswa ngabalawuli phambi kokuba izicwangciso zifumaneke ukuthenga, kwaye bayazi ukuba ukuchitha imali kwiindleko zonyango ngokubhekiselele kwiindleko zolawulo kuya kuhlaziywa emva kokuba isicwangciso sonyaka siphelile .
Ngamafutshane, abaqinisekisi bempilo abanakukwazi ukuthengisa kuphela izicwangciso nakwixabiso elithandayo. Kodwa ukuba idatha ibonisa ukuba ii-premiums azihambisani nezindleko zamabango, abaqinisekali abanakho ukhetho kodwa ukwandisa iiprayimari. Kwaye nakwiindawo ezineenkqubo eziphononongo kakhulu zokuphonononga, abalawuli abanakho ukhetho kodwa ukuvuma ukunyuka kwezinga lokuphakanyiswa ukuba bachanekile ngokufanelekileyo.
Uxhaswa luya kunqandwa kwiiRandi zeeMitha zabantu
Inkxaso-mali ye-Premium iyinxalenye yekona ye-"intengo enokuthi" ye-CareAffordable Act Act (ACA). Nangona iirhafu ezivunyiweyo zokugqibela ziphakamileyo njengoko i-23 yepesenti ephakamileyo yokuphakanyiswa kwezinga, i-premium inkxaso iya kunciphisa isabelo esibalulekileyo saloo xabiso ukwanda.
Ngomhla ka-Matshi 31, 2016, abantu abangaphezu kwezigidi ezili-11 babhalisiwe kwiinkcazo zempilo yomshuwalense kwilizwe lonke, kwaye amaphesenti angama-84.7 afumana inkxaso-mali ye-premium. Kwabo bantu-kunye nabantu ababesandula ukufumana inkxaso-mali ngo-2017-inkxaso-mali iyanciphisa intengo yesicwangciso sokulinganisela kwinqanaba elithathwa njengexabiso eliphantsi kwe-ACA.
Xa uthuli luhlala kwiirhafu ezintsha ngo-2017, isicwangciso sokutshekisha-isicwangciso-sixa-mali sezantsi-indleko-ephantsi kwendawo nganye iya kugqitywa. Ukuba ixabiso eliqhelekileyo lecebo lokumisela liphezulu ngo-2017 kunokuba lalingu-2016, inkxaso-mboleko iya kuphakama, njengokuba yenza ngo-2016 .
Kuya kubaluleka ukuba kubhalisele abantu abayingenelo ukuba bangene kwiakhawunti zabo ngexesha lokubhalisa okuvulekileyo kwaye baqinisekise ukuba asikho isicwangciso esitsha sokunika ixabiso elingcono ngo-2017. Nangona ukunyuka kweprayimenti kwiplani ethile kunokuba phezulu, inkxaso Abantu bakuloo ndawo baya kwandisa kakhulu ukuba isicwangciso sokutshekisha sibheke kwenyuka kakhulu kwindleko (kugcinwe engqondweni ukuba isicwangciso sokubakho sinokuba isicwangciso esitsha ngokupheleleyo; akunjalo isicwangciso esifanayo kunyaka nonyaka).
Ngenxa yendlela yokucwangcisa iiplani malunga nendlela amaxabiso abo athelekiswa ngayo omnye komnye unyaka nonyaka, akukho ndlela yokwazi ukuba usenokufumana ixabiso elifanelekileyo kwiprogram yenkxaso ngaphandle kokungena kwi-akhawunti yakho yokutshintshisana kwaye uthelekise isicwangciso sakho samanje kwiinketho eziza kutholakala kunyaka ozayo (ukuthenga iifestile ngokuqhelekileyo kuyafumaneka kwiveki ekhokelela ekuvuleleni ukubhaliswa, kodwa zonke izicwangciso ze-2017 ziya kufumaneka ukukhangeli kunye / okanye ukuthenga ngoNovemba 1, 2017).
Ukubhalisa okungekho phantsi
Ukuba ubhalise kwiziko le- inshurensi yezempilo kwimarike ngaphandle kweengxoxo (okanye ukuba unesicwangciso sokutshintshiselana ngokutsha kodwa ufumana imali eninzi kwiinkxaso-mali), unokujamelana nokunyuka kwezinga eliphezulu kwi-2017, kuxhomekeke apho uhlala khona kwaye yiphi inshurensi yempilo oyisebenzisayo.
Ukuba kukho nayiphi na ithuba lokuba uncediso-olufanelekileyo, uya kufuna ukuqwalasela iindlela zokutshintshiselana ngelo xesha ubhaliso oluvulekile. Iiglits eziphazamisa ukutshintshiselwa ngo-2013 no-2014 zichithwe ngokusisigqibo, kwaye utshintshi kuphela yindawo onokufumana inkxaso-mali ye-premium.
Ukuba akukho ndlela ufumana ngayo inkxaso-mali, ungayithengisa okanye uvale utshintshiselwano, kodwa ngokuqinisekileyo ufuna ukuthelekisa ukhetho olukhoyo ngexesha lobhaliso oluvulekile, kunokuba uvumele ukuba isicwangciso sakho samanje sivuselele ngokuzenzakalelayo.
> Imithombo:
> Amasebe e-Medicare kunye neeNkonzo zeMedicaid, iZiko loLwazi loThengi kunye noLawulo lweNtshuwalense. IiNkqubo zoHlolo zoPhuculo lweeNkqubo zikaRhulumente.
> Amasebe e-Medicare neeNkonzo zeMedicaid. Ngomhla wama-31 Matshi, 2016.