Mu inshuwalansi ya umoyo, nkhani yotsimikiziridwa imatchula mkhalidwe umene chithandizo cha zaumoyo chimaperekedwa kwa aliyense amene angakhale woyenera kugwira ntchito ngakhale kuti ali ndi thanzi labwino. Nkhani yotsimikizirika imalola anthu omwe ali ndi matenda omwe akhalapo kale, akupeza inshuwalansi ya umoyo, monga momwe mbiri yawo ya zachipatala siinaganizidwe.
Nkhani Yotsimikiziridwa Pogulitsa Ntchito Yodalirika (ACA)
Pansi pa mtengo wodalirika wothandizira, aliyense payekha inshuwalansi ndondomeko ndi masiku abwino a January 2014 kapena pambuyo pake ayenera kugulitsidwa pa nkhani yotsimikizika.
Ogwirizanitsa sangathe kukhalanso oyenerera kuti apeze chithandizo pa mbiri yachipatala cha wolembayo, ndipo zikhalidwe zomwe zakhalapo kale sizingatheke kutchulidwa pazinthu zatsopano.
Izi sizinali choncho pamaso pa Wodalirika Care Act. Pofika chaka cha 2012, panali mayiko asanu ndi limodzi okha pamene malonda omwe akugulitsira malonda (mtundu womwe mumadzigulira nokha, kusiyana ndi kupeza kuchokera kwa abwana) unali wotsimikizika. M'mayiko 44 otsalawo, mabungwe a inshuwalansi amayang'ana zolemba zachipatala ndi omwe ali ndi zochitika zazikulu kapena nthawi zina zosakhalitsa zomwe sanakwaniritsidwe.
Kuphatikiza pa nkhani yotsimikiziridwa, kufotokozera mu msika wa gulu ndi gulu laling'ono tsopano kumaperekedwanso ndi chiwerengero choyendetsedwa ndi midzi chifukwa cha ACA. Izi zikutanthawuza kuti payimayi siingakhale yochokera ku mbiri yachipatala; Amatha kusintha mosiyana ndi msinkhu wawo, kugwiritsa ntchito fodya, ndi zip code. Nkhani yotsimikiziridwa ndi kusinthidwa kwa dera lanu ndi uthenga wabwino kwa iwo omwe ali ndi matenda omwe analipo kale.
Komabe, ndi kofunika kuti mukambirane zinthu zomwe munakhalapo kale ndi wogulitsa kapena olembetsa, kapena munthu amene amayang'anira dipatimenti ya abwana anu, musanayambe kukonzekera. Ndichifukwa chakuti mawotchi opereka komanso mankhwala osokoneza bongo amasiyana kwambiri ndi dongosolo limodzi.
Ngati muli ndi chikhalidwe chisanayambe, mufunika kutsimikiza kuti ngati zingatheke, ndondomeko yomwe mumasankha imaphatikizapo madokotala anu pa intaneti ndikuyika mankhwala omwe mumatenga.
Magazini Yotsimikiziridwa Ngati Mukugula Inshuwalansi Zaumoyo kwa Kampani Yaikulu
Lamulo la boma likufuna kuti mapulani onse a zaumoyo adzigulitsidwe kwa makampani omwe ali ndi antchito 2 mpaka 50 akhale okhudzidwa. Izi zakhala choncho kuyambira pamene HIPAA inayamba kugwira ntchito mu 1997-kwa zaka makumi awiri, mabungwe a inshuwalansi sanathe kukana kulengeza kwa antchito ang'onoang'ono pogwiritsa ntchito thanzi lawo.
Komabe, HIPAA sizinalepheretse olemba inshuwalansi kuti asamalire malipiro a magulu ang'onoang'ono pa mbiri yachipatala ya gululo. Izi zikutanthauza kuti pokhapokha ngati boma lingavomereze, a inshuwalansi angapereke zotsalira ku magulu abwino, ndipo amapereka malipiro apamwamba kwa magulu omwe ali ndi antchito ochepa komanso odwala. Iwo amatha kupereka ndalama zowonjezereka kwa magulu omwe ali ndi ntchito zomwe zimawoneka ngati zoopsa, ngakhale kuti ogwira ntchito (mosiyana ndi inshuwalansi ya ogwira ntchito) amagwiritsa ntchito kuvulala kwa ntchito.
Koma ACA inathetsa chizoloŵezi chokhala ndi ndalama zotsatsa ndalama m'magulu ang'onoang'ono azachipatala kapena mtundu wa mafakitale. Kuphatikiza pa nkhani yotsimikiziridwa, kufotokozera gulu laling'ono pakali pano kumatsatira malamulo omwe amasinthidwa pamudzi omwe amagwiritsidwa ntchito pamsika pawokha: malipiro amatha kusintha mosiyana ndi zaka, fodya, ndi zip code.
Mutu Wotsimikiziridwa Wogwira Ntchito Zogwira Ntchito
Olemba ntchito amafunika kupereka chithandizo kwa antchito awo pansi pa ACA. Pochita izi, mabungwe a inshuwalansi salinso ololedwa kupereka zofunikira zochepa zogwira nawo ntchito pamene abwana ambiri amafuna kupeza chithandizo kwa antchito awo. Gulu lalikulu kwambiri lidzikhazikika, komabe, kupanga izi moti.
Kuwunika kwakukulu kwa gulu sikuyenera kutsatila malamulo omwe angasinthidwe kumudzi omwe akugwiritsidwa ntchito kwa magulu ang'onoang'ono ndi mapulani awo. Izi zikutanthauza kuti chiwerengero cha magulu akuluakulu chikhoza kukhazikitsidwa pazochitika zonse za gululo, ndi chiwerengero chochepa cha magulu a thanzi, komanso mitengo yapamwamba yopanda magulu ochepa.
Pofotokoza, "gulu lalikulu" limatanthauza antchito opitirira 50, ngakhale pali zochepa zomwe zimagwiritsidwa ntchito kwa magulu omwe ali ndi antchito oposa 100 .
Magazini Yotsimikizika Kutsidya kwa United States
Ngakhale kuti Care Affordable Care Act wapangitsa kuti inshuwalansi ya thanzi ku United States ikhale yophweka kwambiri kwa anthu omwe alipo kale, ali ndi malire ake. The Affordable Care Act imangotengera inshuwalansi ya umoyo ku United States. Mayiko kunja kwa United States ali ndi malamulo osiyanasiyana okhudza kugulitsa inshuwalansi ya umoyo.
> Zotsatira:
> Dipatimenti ya zaumoyo ndi zithandizo zaumunthu, Ofesi ya Mthandizi Wotsogolera Pulani ndi Kufufuza. Mpangidwe wa Kupeza Malangizo pa Umoyo wa Inshuwalansi Makhalidwe a Ma Market, Nkhani Yotsimikiziridwa ndi Kukonzanso. October 20, 2000.
> Pulogalamu Yopindulitsa Yogwira Ntchito. Ndondomeko Zaumoyo Wodzipangira Bungwe: Zatsopano Zatsopano Zowonjezera, 1996-2015 . July 2016; Vol 37, No. 7.
> HealthCare.gov. Werengani Yopanda Thandizo Labwino.
> Kaiser Family Foundation. Kusintha kwa Msika Wa Inshuwalansi za Zaumoyo: Nkhani Yotsimikiziridwa . June 2012.