Pachiyambi chake, matenda omwe alipo kale ndi matenda omwe muli nawo musanayambe kuitanitsa inshuwaransi . Zinthu zomwe zakhalapo kale zinkakhala zolepheretsa kupeza chithandizo pamsika wa inshuwalansi, koma ACA inasintha.
Chifukwa Chakukhazikitsa Zomwe Zilipo Zomwe Zimagwira Ntchito Yopambana
Pambuyo pa Ntchito Yodalirika Yothandizira , nthawi zina, inshuwalansi ikhoza kukana kukugulitsani inshuwalansi yaumoyo ngati muli ndi chikhalidwe chisanayambe.
Nthawi zina, inshuwalansi ikhoza kusokoneza chikhalidwe chanu chisanayambe kuchokera ku inshuwalansi ya umoyo wanu. Izi zimadziwika ngati kusasulidwa kale .
Nthawi zina, inshuwalansiyo mwina inavomereza kubisa vuto lanu, koma akanakulipirani malipiro apamwamba kuposa omwe mungaperekeko chifukwa cha kufanana komweko popanda vutoli. Njira imeneyi inakondwera ndi inshuwalansi nthawi yomwe idapita, chifukwa chakuti inali yosavuta kulamulira kusiyana ndi kusankhanapo kale.
Kukhala ndi chikhalidwe chisanayambepo monga kuthamanga kwa magazi kutaphatikizidwa ndi inshuwalansi ya chithandizo cha inshuwalansi chinali chachikulu kuposa kungolipiritsa mapiritsi apamwamba a magazi. Kukhazikitsidwa kwapangidwe komwe kunakhalapo kale sikungaphatikizepo zambiri kuposa chikhalidwe chokhacho chisanachitikepo kuyambira kufotokoza. Zingasokoneze mkhalidwe wina uliwonse umene unayamba chifukwa cha chikhalidwe chanu choyambirira.
Mwachitsanzo, ngati chithandizo chanu chokhalapo chisanakhalepo chinali kuthamanga kwa magazi ndipo munayamba kupweteka chifukwa cha kuthamanga kwanu kwa magazi, kampani ya inshuwalansi yathandizi ikhoza kukana kulipira matenda a stroke. Izi zikhoza kunena kuti, popeza kuti kupweteka kwanu kunayambitsa chifukwa cha kupanikizika kwanu kwapadera, kupwetekedwa kunapatsidwanso ntchito.
Zomwe zilipo kale zomwe zidakalipo zimapangitsa kuti zikhale zovuta kwa anthu omwe ali ndi zikhalidwe zosavuta kukhalapo kuti apeze inshuwalansi ya thanzi la ndalama zoyenera. Kawirikawiri, iwo sakanatha kufotokoza konse. Ngati iwo akanakhoza kupeza chithunzi, iwo anali okwera mtengo kwambiri ndipo / kapena sanatengere vuto lawo lomwe linalipo kale.
Mu 1996, HIPAA , Health Insurance Portability and Accountability Act, imalephereka pamene olemba zaumoyo amaloledwa kusasintha mikhalidwe yomwe ilipo kale komanso kuti nthawi yayitali yotsalirapo ingakhale yotani. Dziwani zambiri za izi . Komabe, chitetezo cha HIPAA makamaka chimagwiritsidwa ntchito kwa anthu ofuna chithandizo pamakonzedwe omwe amagwiritsidwa ntchito ndi abwana.
Pa msika umodzi (Kufotokozera zomwe mumagula nokha, kusiyana ndi kupeza ntchito) zisanachitikepo zinali zovuta kwambiri kwa ofunsira ntchito m'mayiko ambiri asanafike chaka cha 2014. Zinali zovuta, zamtengo wapatali, kapena zosatheka kupeza inshuwalansi ya umoyo kuphimba chikhalidwe chomwe chilipo kale ndi zina zilizonse zokhudzana nazo.
The Affordable Care Act ndi Zinthu Zomwe Zisanafikepo
Mu 2014, ogulitsa Care Act ogulitsa zotetezedwa. Tsopano, chifukwa cha Affordable Care Act, inshuwalansi zaumoyo ku United States sangathe kutenga mbiri yanu yaumoyo posankha ngati sakugulitseni mankhwala aakulu, inshuwalansi ya umoyo.
Iwo sangathe kuchotsa chikhalidwe chisanayambe kuchoka ku chithunzi, ngakhalenso sangakulipire zambiri chifukwa muli ndi chikhalidwe chisanayambe.
Izi zathandiza kuti anthu omwe ali ndi nthawi yodalirika ayambe kugula inshuwalansi ya moyo wawo aliyense, kusintha ntchito, kusiya ntchito asanafike ku Medicare , kapena kudzisankhira okha ngati amalonda. Anthu safunikanso kudandaula kuti ali ndi kachilombo ka HIV kamodzi kosawerengeka.
Inshuwalansi ya umoyo yogulitsidwa pa mgwirizano wa inshuwalansi wothandizidwa ndi Care Affordable Care Act ikutsimikiziridwa , kutanthawuza kuti kampani ya inshuwalansi ya umoyo sungakonde kukugulitseni inshuwalansi yaumoyo malinga ndi momwe mukufunira kuti mutengepo pa nthawi yolembera .
Chimodzimodzinso ndi chithandizo chachikulu chachipatala chogulitsidwa kunja kwa kusinthanitsa , chomwe chiyenera kukhala ACA-chovomerezeka.
Kodi Kulembetsa Kwasintha Ndiko pa Kusinthanitsa kwa Inshuwalansi ya Umoyo?
Ngati ACA Idzapulumutsidwa, Kodi Zinthu Zidzakhalapo Pomwe Zidzakhalanso Vuto?
Pa May 4, 2017, a Republican ku US House of Representatives adapereka American Health Care Act (AHCA) ndikuwatumiza ku Senate. Koma poyambitsa kusiyana kwakukulu kwa ndalamazo, a Senate Republican sankatha kupeza zothandizira zokwanira kuti apitirize aliyense wa iwo.
AHCA yoyamba ikanapitirizabe kutetezedwa, koma MacArthur Amendment inasintha lamuloli kuti alole kuti mayiko asamalowetse chitetezo cha ACA. Zowonjezereka, boma likanatha kulola a inshuwalansi kupereka malipiro apamwamba pa msika wina payekha pamene wofunsirayo anali ndi chikhalidwe choyambirira ndipo sanapitirize kulumikizidwa kwa miyezi 12 asanayambe kulembetsa ndondomeko yatsopano.
Chigwirizano cha MacArthur mu AHCA chikanaloledwanso kuti mayiko asinthe malingaliro ofunika zowonjezera zaumoyo , kotero kuti mapulani othawirapo angagulitsidwe. Izi zikanakhudza anthu omwe ali ndi zinthu zomwe zakhalapo kale, monga momwe zolinga zomwe zikuphatikizapo kufotokozera zochitika zawo zitha kukhala zopanda phindu kapena zosasinthika mtengo.
Mabaibulo a Senate omwe anakhazikitsidwa mu 2017 anatenga njira zosiyana zokhudzana ndi mikhalidwe yomwe inalipo kale. Kawirikawiri, pamene mfundo yowonjezera inali yakuti anthu omwe analipo kale anali otetezedwa, zenizeni n'zakuti iwo sangakhale. Mutu wamba unali lingaliro la kupereka zigawo zowonjezera kusintha kusintha kwa tanthauzo la thanzi labwino, kapena kuletsa kupereka ndalama za ACA ku maiko ndikuwalola kuti apange njira zawo zokha.
Nthawiyi inatuluka pa chiyanjanitso cha bajeti cha 2017 pa September 30, ndipo ndiyi, kuthekera kwa kubwezera ACA ndi anthu ambiri mu Senate. Koma olemba malamulo a Republican adalonjeza kuyesa kachiwiri mu 2018 kuti achotse ACA, ndipo sadziwa bwino kuti apambana.
Kuchotsa chikhalidwe choyambirira chomwe chilipo kumakhala kovuta kwa anthu ambiri, popeza chitetezo chimenecho chimakhala chimodzi mwa zofunikira kwambiri za ACA. Koma ndichinthu chomwe chachititsa kuti mapepala apitirize kuwonjezeka pa msika wawo, ndipo olemba malamulo ena angafune kuwona zochepa zotetezera kwa anthu omwe alipo kale, mu malonda kuti apereke malipiro apamwamba.
Zambiri zatsala pang'ono kuziwonekeratu zam'tsogolo za ACA, ndipo vuto la zinthu zomwe zakhalapo kale zitha kubweranso posachedwa. Koma kwa nthawiyi, zida zonse za ACA zogwiritsira ntchito zimakhalabe zokwanira. Kutsegula kolemba kwa 2018 kudzayamba pa November 1, 2017 komanso m'mayiko ambiri, kudzatha pa December 15, 2017. Iyi ndiyo mwayi wanu wogula malonda omwe akugulitsidwa, ndipo mbiri yanu ya zachipatala siidzakuthandizani kuti mukhale woyenera.
> Zotsatira:
> Dipatimenti ya Zaumoyo ndi Zithandizo zaumunthu, Ufulu Wanu Pansi pa HIPAA.
> Healthcare.gov. Werengani Yopanda Thandizo Labwino.
> Komiti Yanyumba ya Mphamvu ndi Zamalonda, MacArthur Kusintha kwa HR 1628, Gawo ndi Chidule Chachigawo .
> Kaiser Family Foundation, Kusintha kwa Ma inshuwalansi ya zachuma: Zotsimikiziridwa Issu e. June 2012.
> Kaiser Family Foundation, Chidule cha American Health Care Act, May 2017.