Health Inshuwalansi Co-Ops Musatsatire Phindu
Ma inshuwalansi a za inshuwalansi (makampani) ndiwo ndalama zothandizira umoyo wa inshuwalansi pafupipafupi mtengo pomwe akupitiriza kukangana ndi makampani a inshuwalansi .
Pakukambirana za kusintha kwa zaumoyo, ndipo pamene akuyang'ana njira zabwino zopezera thanzi labwino kwa onse a ku America, zokambirana zachitika pa chitukuko cha inshuwalansi ya co-ops, yomwe imatchedwanso inshuwalansi ya cooperative.
Kodi Inshuwalansi ya Co-Ops imagwira ntchito bwanji?
Co-ops ali ndi anthu omwe ali ndi inshuwaransi nawo. Potero iwo amatchedwa "omwe ali nawo." Ndipotu, co-ops ya inshuwalansi ya umoyo ndi mabungwe a inshuwalansi omwe odwala amawaika. Iwo ali ndi zikwi za mamembala, kutanthauza kuti ndalama za chisamaliro zimafalikira kwa anthu onsewa. Popeza co-ops sali ndi chidwi ndi phindu, ndalama zawo ndizofunikira kwenikweni, ndipo sizimakhudzidwa ndi ndalama. Komanso, chifukwa chogwiritsira ntchito ndalama zokhazokha, iwo alibe msonkho wokhometsa msonkho, zomwe zimapangitsa ndalama kuchepa.
Umwini Wothandizana nawo
Njira imodzi yomvetsetsa co-ops ndi kuganizira za mgwirizano wa ngongole umene uli ndi anthu omwe ali nawo. Popeza kuti mamembala ake akugulitsa ziwalo zawo, ndipo popeza sakuyesa kubweza phindu, mamembala akhoza kubwezeretsa bwino ndalama zawo, kapena kuchotsera bwino ngongole, chifukwa ndalama zowonongeka ndizochepa ndipo palibe msonkho wa msonkho.
Pali inshuwalansi yaumoyo m'mayiko ambiri ku United States. Kaŵirikaŵiri amapangidwa ndi abwana ndi chinthu chofanana; mwachitsanzo magulu a alimi ku California kapena magulu azamalonda ku Minnesota. Palinso mitundu ina yothandizira inshuwalansi monga galimoto inshuwalansi kapena inshuwalansi ya eni nyumba.
Co-ops co-ops akhoza kupangidwa ndi mtundu uliwonse wa bungwe. Mabungwe a dziko, a boma, kapena am'deralo akhoza kukhazikitsa mgwirizano wa inshuwalansi wathanzi. Chipatala chapafupi chikhoza kuyamba chimodzi. Wogwira ntchito wamkulu angayambe chimodzi. Apanso, taganizirani za mitundu yonse ya mabungwe a ngongole omwe alipo ndipo mudzakhala ndi lingaliro la momwe inshuwalansi ya inshuwalansi ya umoyo ingakhazikitsidwe.
Mapulogalamu a Health Insurance Co-Ops
Chofunika chachikulu cha inshuwalansi ya inshuwalansi ya umoyo ndi chakuti, popeza akuimira zikwizikwi za mamembala, ali ndi mphamvu zogwirizana ndi ogwira ntchito, kusunga ndalama zochepa kusiyana ndi inshuwalansi zapadera (payekha) inshuwalansi. Zowonjezera zosungirako zimachokera ku kusowa kwa phindu lopindula ndi chikhalidwe chawo chomwe sichikhoma msonkho.
Odwala Health Insurance Co-Ops
Chinthu chimodzi chosafunikira ku inshuwalansi ya co-ops yathanzi ndi chakuti, m'madera ambiri, co-ops sakufunikira kutsatira malamulo omwe ali ndi omwe akuyimira okhaokha. Ngati mgwirizanowu ukhala wopanda ndalama, pangakhalebe njira zofanana zowonetsetsa kuti omwe adagwira nawo ntchitoyo athe kukhala ndi chithandizo chaumoyo.
Onetsani pa Inshuwalansi ya Umoyo wa Inshuwalansi ndi Phukusi la Healthcare Reform
Co-ops inshuwalansi ya umoyo wapatsidwa dzina latsopano kuti apite ndi mawu akuti "co-op".
CO-OP tsopano ikuimira Pulogalamu ya Consumer Operated and Oriented Plan.
Lamulo latsopano limapereka chilengedwe cha "inshuwalansi yothandizira inshuwalansi yopanda phindu" kuti apereke ndondomeko zoyenera zaumoyo m'misika yamagulu ndi aang'ono (Gawo 1322).