Umthetho uvule ufikelelo kubantu abade benqatshelwe ukukhutshwa
Umthetho wokuNakekelwa ongenakuncedo (ACA), owaziwa ngokuba yi-Obamacare, usayinwe ngomthetho ngoMatshi 23, 2010 ukuqinisekisa ukuba yinshurensi yempilo ekhuselekile, ezinzileyo kunye nezithengelekayo kubo bonke abantu baseMelika. I-ACA ayinikezeli kuphela i-inshurensi yempilo apho abantu kunye namashishini amancinci angayithelekisa kwaye athenge i-inshorensi yokunika inkxaso, unikeza inkxaso-mali yeemali zeMelika ezifumana imali ngokulinganayo ukuba zithenge nge-exchange exchange state.
Ukongeza, i-ACA yandise ukufaneleka kweMedicaid kulabo baseMerika abafumana imali abaphantsi abazenza ngaphantsi kwe-133 ekhulwini kwinqanaba elihlwempuzekileyo lentlupheko, kunye neenzuzo zazo ezazifunyenwe ngaphambili kubantu abakhubazekile ngenxa ye-HIV.
Nangona kukho iinzame zabanye ukuchasa okanye ukuchithwa komthetho, inkxaso ye-ACA yenkxaso-karhulumente iye yahamba ngokugqithiseleyo, kunye neengcamango zengqondo ezibonisa ukukhula kwenkxaso yomthetho ukususela kuvolontiya weDemokhrasi kunye neRiphablikhi ukususela ekuqaleni.
Ngokomphando ovela eWashington, DC-based based Kaiser Family Foundation, abantu abancinci, abanemali engaphantsi (ngaphantsi kweedola ezingama-40 000 ngonyaka), kwaye bazibonela bona njenge-Democrat bekuninzi kakhulu ukuxhasa umthetho.
Nangona igalelo le-ACA kwinkqubo yokunakekelwa kwezempilo yase-US ayinakuphikiswa, inokuthi i-1.2 yezigidi zabantu baseMerika abaphila ne-HIV banokuvakalelwa kakhulu. Ngaphambi kokumiselwa komthetho, i-17 ekhulwini kuphela yabantu abanentsholongwane kaGawulayo babenomshuwalense wempilo yabucala xa kuthelekiswa nama-54 ekhulwini labantu bonke.
Ukongezelela koko, abaninzi babenakho ukufumana unyango lwaluphi na uhlobo (iipesenti ezingama-29) xa kuthelekiswa namaMerika ngaphandle kwe-HIV (iipesenti ezili-14).
Impembelelo yokuFinyelela okuNgezelelweyo
Ukususela ngo-2010, ukwandiswa kokufikelela ekunakekelweni kwezempilo kuye kwamkelwa kakuhle ngabantu abane-HIV, ngezifundo ezininzi ezibonisa ukuba ziphuculwe iziphumo zekliniki ngenxa ye-ACA yokuphunyezwa.
E-Virginia, umzekelo, iipesenti ezingama-47 zalabo abaye bafumana unyango ngohlelo lwe-AIDS lwe-AIDS lwe-Drug Assistance Programme (ADAP) babhalisele kwizicwangciso ze-inshurensi ze-ACA ngo-2014. Exhotywe ngamalungiselelo amatsha aphantsi, ukunakekelwa kwe-HIV, izigulane i-inshurensi yayilungele ukufezekisa nokugcina imithwalo engabonakaliyo yentsholongwane kunezigulane ezine-ADAP.
Ngaphezulu koko, inyanga nganye eyongezelelweyo yobhaliso kwisicwangciso se-inshurensi yayidibaniswe kunye neepesenti ezithandathu zokufumana ukunyanzelwa kwegciwane, kunye nabantu ababhalisele unyaka opheleleyo abangaphezu kwama-60 ekhulwini ukunyamekela ukunyanzeliswa kwe-viral load.
Iipateni ezifanayo ziyabonakala kwenye indawo, kunye neCalifornia, urhulumente ngeprogram enkulu ye-ADAP, ukunika ingxelo ngeepesenti ezingama-27 eziyeke ukubhalisa ukususela ngo-2012. Namhla, abangaphantsi kwama-28,000 baseCalifornia bafikelela kwi-ADAP uma kuqhathaniswa nabangaphezu kwama-38,000 abenzile ngo-2012- inani elibonwe ukususela ngo-2006.
Oko akutshoyo ukuba akukho mingeni ebalulekileyo ekuphunyezweni kwenkqubo. Ngomhla we-l2015, inani le-ACA bomshuwalense lityholwa ngokucalula abantu abanentsholongwane kaGawulayo ngokubandakanyeka kwiimeko ezingathintekiyo , umgudu apho izigulane zithintela ekukhetheni isicwangciso se-inshurensi ngokumisela iindleko zokuhlawula iirhurensi eziphezulu ngokungenangqiqo.
Kwezinye iimeko, iindleko zonyango ezingaphandle kwezilwanyana kubantu abanentsholongwane kaGawulayo babezigidi ezingama-3 000 eziphakamileyo ngonyaka xa kuthelekiswa nabatshutshisi abazange bathathe inxaxheba embi.
Ngo-Matshi 2015, emva komkhukula wokugxeka kumaqela okukhuthaza i-HIV, i-Aetna Intshuwalense ihlaziye imigaqo-nkqubo yangaphakathi, ukususa izidakamizwa ezichithwe ngama- antiretroviral ukusuka kwinqanaba eliphezulu apho inkokhelo yokubambisana inokuluhlula ukusuka kwi $ 5 ukuya kwii-100 zamawaka emva kokudityaniswa kwee-deductibles.
Ngaphezu koko, imizamo eqhubekayo yokuthintela ukwanda kweMedicaid efana neVirginia, eLouisana, eTexas naseFlorida bashiya abanye abemi belizwe abahluphekayo-ngokuqhelekileyo ngubani ophezulu kwingozi yokusuleleka ngu-HIV-kuncinci, nangayiphi na, ukufikelela kwiinkcukacha zonyango.
Okwangoku, ama-19 ase-United States ayenqabe ukunyuswa kwamaMedicaid .
Ngexesha Nendlela yokuBhalisa
Ubhaliso oluvulekileyo lixesha lonyaka xa unokufaka isicelo sokuncediswa kweendleko, ukucwangcisa izicwangciso, okanye ukubhalisa kwisicwangciso esibalulekileyo sonyango esibalwa njengesigxina esibalulekileyo sokufunwa ngumthetho.
Umjikelo wokubhalisa ovulekileyo uqala ngoNovemba 1, 2017 ngomhla osebenzayo wokuqala ukususela ngoJanuwari 1, 2018. Nceda uqaphele ke, ukuba ulawulo lweTrump lugqibe ukunciphisa iwindi yokubhalisa ukusuka kwi-Jadidi yangomhla ka-31 ku-Disemba 15, 2018 . Oku kunika abantu iiveki ezintandathu kuphela ukukhusela ukubhaliswa.
Okwangoku, isibhozo esizimeleyo esizimeleyo senze isigqibo sokwandisa umhla wokubhalisa, naphi na ukusukela ngoJanuwari 22 ukuya ku-31, ngo-2018.
Ngaphantsi kwe-ACA, ukubhalisa kubandakanywa kwiziko leMaritzhorensi yeMpilo. Indawo nganye yeMakethi isebenza ngurhulumente okanye urhulumente wesigqeba kwaye ikubonelela ukuphazamiseka kwezikhetho zokufikelela kwiindawo zakho, nokuba ufuna
- Iinshorensi yempilo yabucala
- Inkxaso-mali yokuhlawulwa kweerhafu yokunciphisa iindleko ze-premium
- Ubhaliso lweMedicaid
- Uhlelo lweNtshuwalense yezeMpilo yeNtwana (CHIP)
- Inkqubo yeeNkcazo zezeMpilo zeNcinci (SHOP)
- Iinshurensi ezixhasiweyo
ISebe lezeMpilo laseMelika kunye neeNkonzo zoLuntu liye lazisa i-Portal Marketplace portal kwi-Healthcare.gov ukukunceda ukucacisa ukufaneleka kwakho kwaye ikukhokele kwiofisi ethile okanye isebe eliyidingayo. (Ukhokelo lweelwimi lwaseSpeyin lufumaneka kwiCuidadodesalud.gov).
Xa usugqibile isigqibo, ungasetyenziswa kwi-intanethi, ngomntu okanye ngeposi. Iinkqubo ziyakwazi ukuhluka ukusuka kummandla ukuya kwilizwe, kodwa iifom zesicelo ezilula zifutshane kwaye zilula ukuqonda, zifuna inombolo yokhuseleko yentlalo (okanye inombolo yombhalo ukuba ungumfaki wezomthetho) kunye nomqulu womqeshi / umvuzo (umz. I-W-2s, izitatimenti zerhafu).
Xa sele ithunyelwe, ixesha lokulandela liphakathi kweyure ukuya kwiiveki ezimbini, ngokuqhelekileyo.
Amanani eFowuni abalulekileyo
Umshuwalense weMpilo yeeNkcazo yeMeko yeHlabathi (iiyure ezingama-24 ngosuku):
- 1-800-318-2596
- I-TTY: 1-855-889-4325
Umnxeba weNkxaso-mali yeShishini elincinci (ngoMsombuluko ukuya kuLwesihlanu, ngo-9: 00 ukuya ku-5: 00 ntambama EST
- 1-800-706-7893
- I-TTY: 1-800-706-7915
Ukufumana ulwazi oluthe xaxa malunga nokwandiswa kweMediya kwimeko yakho, ingxelo yeNkqubo yeNkqubo yoHulumeni ihlaziywa rhoqo kwi-Kaiser Family Foundation.
>> Imithombo:
> Kaiser Family Foundation (KFF). "I-Kaiser Health Tracking Poll: I-Public View View kwi-ACA." EWashington, DC; fi kelele ngoNovemba 3, 2015.
> McManus, K .; Rhodes, A .; Yerkes, L .; okqhubekayo. "U-2014 ongenakunyanzeleka Umthetho woNonophelo loLondolozo lweeNgcaciso ze-AIDS kunye nabaPhuhli beNTSholongwane kaGawulayo. Iveki yeVeki 2015. Oktobha 9, 2015; ESan Diego, eCalifornia; > intetho yomlomo; 728.
> Jacobs, D. kunye no-Sommers, B. "Ukusebenzisa izidakamizwa ukuba zikhethe - Ukukhethwa kakubi kwi-Marketplace Marketplace." I-New England Journal of Medicine. NgoJanuwari 29, 2015; 372: 379-402.
> Ibhodi yeBhunga elicebisi. "Xa iindawo zimi kwiNgxube yeMilicaid." EWashington, DC; fi kelele ngoNovemba 3, 2015.