Ukhetho olubi kwi- inshorensi yezempilo kwenzeka xa abantu abagulayo, okanye abo banikezela umngcipheko ophezulu kwi-inshurensi, bathenge inshuwalense yezempilo ngelixa abantu abanempilo bengayithengi. Ukhetho olubi lungenzeka nokuba abantu abagulayo bathenga i-inshurensi yempilo okanye iiplani zempilo ezinamandla ngelixa abantu abanempilo bathenga ingqalelo encinane.
Ukhetho olubi lubeka umgcini-mali kumngcipheko ophezulu wokulahlekelwa yimali ngamabango kunokuba wawucacisiwe.
Ukuba ukhetho olubi lwaluvunyelwe ukuqhubeka lungakhange luhlolwe, iinkampani ze-inshorensi zezempilo ziya kuba zingenakuncedo kwaye ekugqibeleni ziphume kwishishini.
Ukhetho olubi lusebenza njani
Nantsi umzekelo olula kakhulu. Masithi inkampani yomshuwalense wezempilo yathengisa ubulungu beprogram yezempilo kwi-$ 500 ngenyanga. Abantu abaneminyaka engama-20 abanempilo banokukhangela i- premium yenyanga kwaye bacinge, "Heck, ukuba ndihlala ndingagqithwanga , mhlawumbi andiyi kuchitha i-$ 500 yonke iminyaka kwiinkonzo zempilo. Andiyi kuchitha imali yam ngama-premium ama-500 eenyanga ngenyanga xa ithuba lokuba ndiza kutyunjwa okanye inkqubo yokunakekelwa kwempilo eninzi kakhulu. "
Okwangoku, umntu oneminyaka engama-64 ubudala obesifo sikashukela nesifo senhliziyo uya kukhangela i-premium ye-$ 500 ngenyanga kwaye ucinge, "Wow, i-$ 500 kuphela ngenyanga, le nkampani yomshuwalense yempilo iya kuhlawula ubuninzi bemithetho yamanyathelo omnxeba wempilo kunyaka ! Nangona emva kokuhlawula i- deductible , le inshurensi isabaluleke kakhulu.
Ndiyithenga! "
Olu khetho olubi luphumela kubulungu becebo lempilo elibandakanya kakhulu abantu abaneengxaki zempilo abacinga ukuba mhlawumbi bachitha ngaphezulu kwama-$ 500 ngenyanga xa bebefanele bahlawule iibhilikhwe zabo zonyango. Ngenxa yokuba isicwangciso sempilo sithatha kuphela i-$ 500 ngenyanga ngelilungu ngalinye kodwa lihlawula ngaphezu kwe-$ 500 ngenyanga nganye ngelinye ilungu kumabango, isicwangciso sezempilo silahlekelwa yimali.
Ukuba inkampani ye-inshorensi yezempilo ayenzi nto into ekuthintele ukhetho olubi, ekugqibeleni lilahlekelwa yimali eninzi ayikwazi ukuqhubeka nokuhlawula amabango.
Izicwangciso Zempilo Zithintela njani ukhetho olubi
Kukho iindlela ezininzi zeenkampani zomshuwalense ezinokukhusela okanye ukuphazamisa ukhetho olubi. Nangona kunjalo, imimiselo karhulumente inqanda abatshutshisi bempilo ukuba basebenzise ezinye zeendlela kwaye banciphise ukusebenzisa ezinye iindlela.
Kwi-market inshurensi yempilo yomshuwalense, iinkampani ze-inshorensi zempilo ziza kusebenzisa ukubhala phantsi ukuzama ukuphepha ukukhetha okubi. Ngexesha lokubhala phantsi, umgcini-phantsi uhlola imbali yonyango yomfaki-sicelo, imbali yabantu, amabango angaphambili, kunye nokukhetha kokuphila. Izama ukubeka umngcipheko umgcini-mali uya kujongana nokuqinisekisa umntu ofaka isicelo somgaqo-nkqubo we-inshorensi yempilo.
Umshwalense unokugqiba ekubeni angathengisi inshuwalense yezempilo kumntu obangela umngcipheko omkhulu okanye ukuhlawulisa iiprayimari zomntu okhuseleyo kunokuba ityala umntu ukuba abe namabango ambalwa. Ukongezelela, inkampani ye-inshorensi yempilo inganciphisa umngcipheko wayo ngokubeka umyinge wonyaka okanye umyinge wokuphila kwindleko yokubonelela ngomntu othile, ngokungabandakanyi imeko ekhoyo ngaphambili ukusuka kwirejista, okanye ngokungabandakanyi iintlobo ezithile zemveliso yonyango okanye iinkonzo ezikhuphayo kwiinkonzo.
EUnited States, iinkampani ze-inshorensi zempilo azivumelekanga ukusebenzisa ezininzi zezi ndlela. Umthetho woNonophelo ongenakuncedo
- inqabela abatshutshisi bempilo ukuba benqabile ukuthengisa i-inshurensi yempilo kubantu abaneemeko esele ikhona.
- iyakwenqabela abatshutshisi ukuba bahlawule abantu abaneemeko zangaphambi kokuba zihlawulwe abantu abaphilileyo.
- iyakwenqabela izicwangciso zempilo ukuba zifake iifowuni zonyaka okanye zezobomi ngezibonelelo.
- kufuna ukuba izicwangciso zempilo zifake isethi efaneneyo yeenzuzo zezempilo ezibalulekileyo; Izicwangciso zezempilo azikwazi ukukhuphela ngaphandle iinkonzo ezithile zononophelo zezempilo okanye iimveliso ezivela kwiinkcazo.
- ngokugqithiseleyo kuphelisa ukubhala phantsi kwe- inshorensi yempilo ephezulu- nzulu (nangona ukubhalwa kwesikhokelo kusagunyaziwe kwi -inshurensi yexesha elifutshane kunye ne -inshorensi yonyango elide .)
Nangona uMthetho woNonophelo olungabonakaliyo unqabile ezininzi zezixhobo zomshuwalense wezempilo ezisetyenziselwa ukukhusela ukhetho olubi, lusekho ezinye iindlela zokunceda ukukhusela ukhetho olungathintekiyo.
- Kudinga ukuba zonke izakhamuzi zomthetho zase-US zibe ne-inshorensi yezempilo okanye zihlawule isohlwayo sentela . Oku kukukhuthaza abantu abancinci, abaphilileyo abangasenokuhendwa ukuba bangabikho imali ngokuya ngaphandle kwe-inshorensi yezempilo ukuze babhalise kwisicwangciso sezempilo. Ukuba abayibhalisi, bahlawula isohlwayo sentela ephezulu .
- Inika inkxaso ngoncedo ekuncedeni abo abanemali ephantsi ukuba bathenge i-inshorensi yempilo kwiintengiso ze-inshurensi yezempilo ukwenzela ukuba banokubhalisa kwisicwangciso sezempilo.
- Ibeka izithintelo xa abantu bevumelekile ukuba babhalise kwisicwangciso sezempilo ukuze abantu bangakwazi ukulinda ukuthenga i-inshorensi yezempilo baze bagule kwaye bazi ukuba baya kuba neendleko zonyango lwempilo. Abantu bavunyelwe ukuba babhalisele i-inshorensi yempilo ngexesha lokubhalisa lokuvulwa kwonyaka ngamnye , okanye ngexesha lokubhalisa okhethekileyo elikhawulezileyo elibangelwa ziziganeko ezithile zobomi ezifana nokulahlekelwa yinshorensi yempilo , ngokutshata okanye ukuqhawula umtshato okanye ukuphuma kuloo ndawo.
- Ivumela ixesha elifutshane lokulinda phakathi kwexesha umntu ebhalisa kwi-inshurensi yezempilo kunye nexesha lokuqala.
- Ivumela abaqinisekisi bempilo ukuba bahlawule i-foksi ukuya kuma-50% aphezulu angama-premium ngaphezu kwabangabhemi.
- Ivumela abaqinisekisi bempilo ukuba bahlawulise abantu asebekhulile ukuya kumaxesha angaphezu kwama-3 ngaphezu kokuba batyala abantu abatsha kuba abantu abadala bavame ukuba neendleko zonyango ezingaphezulu kunabantu abancinci abakwenzayo, ngoko kubekho umngcipheko ophezulu kumgcini-mali.
- Yayilungelelanisa imiqathango enxulumene nokuxhaswa ngokusekelwe kwixabiso lexabiso , ukuvumela abaqinisekisi ukuba bahlawulise ngaphezulu izicwangciso zezempilo kunye nexabiso eliphezulu le-actuarial value. Izicwangciso zePlatinum zixabisa ngaphezu kwecwangciso zethusi , ngoko ke abathengi abafuna ukufumana ingqwalaselo eqinileyo eyenzelwe iplatinum cwangciso kufuneka bahlawule ngaphezulu ukuze bafumane.
Imithombo:
Iingxaki ezikhethiweyo kunye neeNkcazo zeeNtshumo zeMpilo phantsi koMthetho wokuNakekelwa ongenakuncedo . Umbutho kaZwelonke weeKomishinala.
Izicwangciso zeMarike zibeka njani iiNkumali zakho zeIntshuwalense yeMpilo. HealthCare.gov