Ingxabano Ngendlela abaMerika abafumana ngayo impilo yabo baya kuqhubeka
Abaninzi baseMelika baqonda ukuba inkqubo yokunakekelwa kwezempilo ayisebenzi kakuhle okanye ngempumelelo, kodwa bambalwa ukuqonda ubuninzi beengxaki ezibandakanyekayo. Esi sikhokelo sinokukunceda uqonde ukuba zeziphi iingxaki, kunye nemibuzo ekufuneka iphendulwe ukuze kulungiselelwe inkqubo.
I-passage kunye nokuphunyezwa koMthetho woNonophelo ojongene noNyaka ka-2010 (ACA) ujongene nemibandela eninzi.
Kodwa ezininzi zihlala zingaphendululwa kwaye ziyaqhubeka zixutyushwa njengoko ukuguqulwa kucetywayo kwaye kucingwa. Ukuguqulwa kwezempilo kwangeke kuphele nge-ACA, yinkqubo eqhubekayo.
Uninzi lwethu lulinganisa "ukulungiswa kwezempilo" "ngononophelo lwezempilo jikelele." Enyanisweni, kungekuphela nje ukuba AKAZI into efanayo, ukuguqulwa kwezempilo ngokukodwa kubandakanywa ubuncinane kwiingxenye ezili-12, kwaye unonophelo lwezempilo oluphela jikelele alukho omnye wabo. Ulondolozo lwempilo lwabantu bonke luyinye yezimpendulo kwenye yemibuzo (jonga "Umyinge" ngezantsi), nangona umbuzo uthathwa ngabantu abaninzi ukuba yiyona nkxalabo.
Kukho inkqubo yezinyathelo ezine zokuqonda ukulungiswa kwezempilo kunye nemiba enxulumene nayo.
1. Ukuqonda iingxaki kwiinkqubo ezikhokelela kwinqanaba le-Care Affordable Act ka-2010.
2. Ukuqonda ingcamango yokuncediswa kwezempilo.
Into eninzi esingayiqondiyo kukuba imibuzo ephakamileyo yemifanekiso yokubhengezwa iyonke malunga neendleko kunye nokulinganisa .
Abantu abangaphezulu kunye neenkonzo ezininzi ezihlawulwayo, ngakumbi siya kuchatshazelwa konke ngokurhweba. Nceda uthathe ixesha elifutshane ukuqonda ingcamango yokurhweba, kwaye uqhubekele kwingxoxo epheleleyo yokulungiswa kwezempilo ngezansi.
3. Ukuqonda isiphumo sokutshatyalaliswa kwesigqibo ngasinye kwabanye.
Imiba emininzi yokulungiswa kwezempilo ihambelana nayo yonke into.
Iinqunto malunga nokugqithiswa ziya kuthintela iindleko kunye nentlawulo, nto leyo iya kuchaphazela ukhuseleko lwezonyango kunye nokulungiswa komonakalo. Izigqibo malunga neirekhodi zezobugcisa zonyango ziya kuthintela imiba yobumfihlo, njalonjalo. Ngaphezu koko, iingxaki ze-uninsured zithintela kakhulu kunezikhwama zethu. Le yeso sizathu sokuguqulwa kwezempilo kwimeko enzima ukuyixazulula.
4. Qonda umfanekiso omkhulu wokujongana nokunakekelwa kwezempilo.
Nayi le mibuzo echaphazelekayo kwisihloko esiphezulu sokuguqulwa kwezempilo. Umyalelo wabo awubonakali ukuba lizinga lokubaluleka kumfanekiso omkhulu. Unokufunda ngakumbi malunga ngamnye ngokulandela iinqununu ezibonelelwe.
- Umlinganiselo:
Ngaba bonke abantu baseMerika baqiniseke ukuba banokufikelela kwimpilo engundoqo kunye nokunakekelwa kwezempilo? Ingaba umntwana wesisebenzi esingasebenzi ngeyure nganye unokufikelela kwiinkqubo zokunyamekela okufanayo njenge-CEO ye-corporation enkulu, okanye ilungu le-US Congress okanye ilungu lomanyano osemhlala phantsi? Ngaba kukho ukungafani kwinkathalo ekhoyo evela kurhulumente ukuya kutsho?Kuqukwa kwimibandela malunga nokukhutshwa kwezi ngxaki:
- Ngubani omele afakwe?
- Ziziphi iintlukwano phakathi kwezempilo yonk
- Iimeko ezikhoyo ngaphambili - ukukhanyela intsholongwane yezempilo kulabo sele benengxaki yonyango
- Ukwenqaba ukunyamekela - yiziphi iimvavanyo zonyango, unyango kunye neenkonzo ezifanele ukuba, okanye akufanele zihlawulwe,?
- Iintlobo zeenkonzo ezifanele zifakwe (impilo yengqondo okanye amazinyo?)
- Ukunyamekela okuphambili kunye nokunqongophala kwamagqirha enyango lokuqala
- Imiba yokunyamekela ukukhusela ezifana nokuyeka ukubhema, okanye ukunqoba iingxaki zobunzima bebuntwaneni
- Ukunyamekela kwenkathalo - kunye nenkqubo-siseko yomqeshi njengokuba ikhona namhlanje, abasebenzi bafumana ukuba abanakuhamba okanye batshintshe imisebenzi ngaphandle kokwesaba ukulahlekelwa yi-inshorensi yabo
- Iinkqubo zokuhlawula kunye neendleko:
Ngaphambi kokuhamba kwe-Care Affordable Act ka-2010, kwakuqikelelwa abantu abayizigidi ezingama-47 e-United States abangenakho inkqubo yokuhlawula unyango lwabo lwempilo. Kwakukho ukuqikelelwa okongeziweyo kwezigidi ezingama-25 ezingaphantsi kwee-insured, ezithetha ukuba, abantu abayizigidi ezingama-72 basemngciphekweni wokulahlekelwa isiseko sabo semali xa unyango lwabo lwezonyango lubiza imali engaphezulu kwe-10 yengeniso yabo.Le nto isekelwe kwiingcamango zecala loluntu, okanye umgaqo-yinshuwalense yabucala. Enye yeempendulo " ulondolozo lwezempilo jikelele ."
Kubandakanywa kwimibandela malunga neenkqubo zokuhlawula kunye neendleko zizinto ezi:
- Ziziphi iinkalo zokunakekelwa kwezempilo ezimele zihlawulwe ngabantu ngabanye, abaqeshi okanye urhulumente?
- kubandakanya iiAkhawunti zokuSindisa iMpilo
- Iindleko ezibonakalisiweyo - njengangoku izigulane zinengcamango encinci yento yokhathalelo lwempilo ngokwenene, ebonwa njengenye yezizathu zokunakekelwa kwezempilo eMelika.
- Ubuqhetseba bokuhlawula kunye nokuxhaswa kweenkonzo - oku kwenzeka kwiinkqubo zombini zentlawulo kunye nobucala
- Iindleko zamachiza kunye nezixhobo - Izigulane zaseUnited States zihlawula ngakumbi iziyobisi kunye nezixhobo zonyango kunezigulane naphina kwenye indawo ehlabathini
- Iintlawulo kumagqirha iinkampani ezixuba imveliso kunye neenkampani zonyango
- Ubunini bezixhobo kunye nezibonelelo
- Ukusebenzisa iteknoloji
- Khu seleko:
Njengoko nganye yeengxaki ezibhalwe apha ngasentla ziye zaba nzima kunabasebenzi, izibonelelo, kunye nezigulane ukuba zijamelane nazo, izigulane zisengozini yokufumana iingxaki xa zifikelela kwinkqubo. Izigulana ziyafa okanye zixhatshazwa yinkqubo efunekayo yokuyiphilisa okanye yokuphilisa. Ukulungiswa kwempilo yezempilo kufuneka kuphuculwe inkqubo yokunciphisa inani lezonyango kunye nokufa.Kubandakanywa kwimibandela malunga nokukhuseleka kwesigulane yile miba:
- Ukungabonakali kokubikwa kwephutha
- Ukuguqulwa kwe-Tort - ngaba izigulane zivumelekile ukuba ziveze xa zenziwa amaphutha? Ngaba kufuneka kube ne-caps kwisixa abanokumangalela?
- Ulawulo lwe-FDA - olulahlekelwe uphawu lokukhusela amaMerika ngamaxesha amaninzi kwiminyaka embalwa edlulileyo
- Technology Technology:
Ukusebenzisa indlela yethu yokugcina irekhodi yamaphepha-mpahla ayimpembelelo kuphela nje ngeendleko zonyango, kodwa umgangatho wokunyamekela ngokunjalo. Ziziphi iingxaki ezinokusombulula ngexesha lokuguqulwa ngokusebenzisa iirekhodi zezobugcisa zekhompyutha ? - Uphando lwezoPhando, olubandakanya uphando lweeStem Cell:
Kwiminyaka yakutshanje, inkxaso karhulumente yocwaningo lwezokwelapha yinqunyiwe ngokubanzi, ikhupha imibuzo emalunga nomgangatho wophando oluxhaswa ngemali ngabenzi bezobisi kunye neefowuni.
Ukhuseleko lweMonde kunye noMthetho woNonophelo ojongene noThathaka (ACA) - uMthetho weNguqulo weNgcaciso yoMshuwalense wezeMpilo
Iinguqu zokuqala ezitshintshileyo kwimithetho elawula impilo kunye nonyango e-United States isayinwe ngumthetho nguMongameli uBarack Obama ngoMatshi 23, 2010. Izinto ezininzi, kodwa kungekhona zonke, iinkalo zohlaziyo olukhankanywe ngasentla ziye zaqwalaselwa kwaye ziya kuhlulwa ngaphaya iminyaka emihlanu. Baza kuqhubeka bevela kwimpikiswano kuba ibhilikhwe yaguqulwa kwiminyaka ezayo.