Funso lodziwika, ndi yankho losavuta
Anthu ambiri amagwiritsidwa ntchito molakwika kuti lingaliro lalikulu pa inshuwalansi yawo yamagalimoto kapena malonda a eni nyumba angayambe kuwonjezeka kwapadera (onani kuti izi siziri choncho nthawi zonse). Kotero ndizolakwika zomwe anthu ambiri amaganiza kuti chimodzimodzi ndi inshuwalansi ya umoyo.
Koma sizinali choncho, ndipo sizinali choncho ngakhale pamaso pa Wopindulitsa Care Act anakonzanso thanzi la inshuwalansi msika.
Palibe malirime oyambirira omwe amachokera pazinthu zokhazokha
Ngakhalenso chaka cha 2014, pamene inshuwalansi ya umoyo pa msika pawokha inalembedwa m'zinthu pafupifupi pafupifupi dziko lililonse, panalibenso njira yothetsera ndalama za inshuwalansiyo malinga ndi chigamulo. Munthuyo atakhala inshuwalansi, panalibenso njira yowonetsera mlingo wa munthuyo pokhapokha padziwe lachiopsezo.
Masiku akale - kulembedwa kwachipatala
Asanafike chaka cha 2014, anthu amatha kukhala osasinthasintha m'mayiko onse koma asanu omwe ali ndi inshuwalansi zaumoyo kuti aziika malipoti oyamba pa zachipatala. Kotero wofunsira omwe ali ndi nthawi zakhalapo kale akanatha kupatsidwa ndondomeko, koma ndi malipiro omwe anali apamwamba kusiyana ndi miyezo yomweyi.
Izi zinali zotsutsana ndi chikhalidwe chomwe chinalipo kale, ndipo chiwerengero choyamba chikuwonjezeka kuyambira 10% mpaka 100%, malingana ndi kuuma kwa chikhalidwe (ndipo pafupifupi 13 peresenti ya olembapo sanathe kupeza ndondomeko iliyonse mwayekha msika isanayambe 2014).
Koma mutakhala inshuwalansi, zonena za mtsogolomu sizidzapangitsa kuwonjezeka kwapadera kwa ndondomeko yanu. Ngati ndondomeko yanu ikuphatikizapo kuwonjezeka koyamba, izo zikanakhala ndi inu (kotero ngati ndalama zanu zowonjezera zidzasinthika ndi 25% panthawi yolembera, izo zipitirira kukhala 25% kuposa momwe muyeso wamakono umayendera).
Koma ngati mutakhala ndi chidziwitso - ngakhale chachikulu kwambiri - chiwerengero chanu chimasintha kwa chaka chotsatira chidzakhala chimodzimodzi ndi kusintha kwa anthu onse omwe ali ndi dongosolo lomwelo m'dera lanu.
Vuto likuwonjezeka nthawi zonse limayendetsedwa ndi zifukwa, koma zowonongeka zowonjezereka zimafalikira pa insureds zonse mu dziwe lomwe limapatsidwa, lomwe limaphatikizapo anthu ena omwe ali ndi dongosolo lomwelo kumalo omwewo. Kotero ngati anthu ambiri omwe ali panjodzi yotentha amakhala ndi zifukwa zowonjezera, ndalama zonse zimatha kuwonjezeka chaka chotsatira. Koma iwo adzawonjezeka ndi chiwerengero chimodzimodzi kwa aliyense mu dziwe loopsya lomwelo, mosasamala kanthu kuti anali ndi chidziwitso chachikulu, chidziwitso chaching'ono, kapena ayi.
Kusintha kwa ACA
Pansi pa Ntchito Yodalirika Yothandizira, palibenso kusintha kwa a inshuwalansi kusintha malingana ndi mbiri yachipatala kapena azimayi (izi ndi zoona pa msika uliwonse ndi msika wa gulu laling'ono). Mitengo imangosintha pokhapokha pa msinkhu, malo ammudzi (mwachitsanzo, zip code zanu), ndi kugwiritsira ntchito fodya (zigawo zina zatengapo gawoli, ndipo zinaletsa kulephera kwa fodya pa inshuwalansi zaumoyo ).
Tsono lero, munthu amene ali pakati pa chithandizo cha khansa amapereka mtengo womwewo ngati wopempha wina yemwe ali ndi thanzi labwino, malinga ngati amasankha ndondomeko yomweyo, amakhala m'dera lomwelo, ali ndi zaka zofanana, ndipo ali ndi fodya yemweyo udindo.
Ndipo nthawi ikadutsa, iwo adzapitirizabe kukhala ndi malingana omwe ali ofanana wina ndi mzake, mosasamala kanthu kuti aliyense wa iwo akutsutsa malonda ndi kampani ya inshuwalansi ya thanzi. Mitengo yawo idzafika nthawi ndithu , koma izi siziyenera kusokonezedwa ndi kuchuluka kwa kuchulukako komwe kunayambika ndi chidziwitso.
Monga zaka zolembera, mitengo yawo ikuwonjezeka. Ukalamba ndi chimodzi mwa zinthu zomwe makampani a inshuwalansi ya umoyo angagwiritsebe ntchito kukhazikitsa mitengo, koma ogwira katundu sangathe kulipira anthu okalamba mochuluka kuposa katatu momwe akulipira achinyamata.
Ndipo chiwerengero cha aliyense pa ndondomekoyi chidzakwera kuchokera chaka chimodzi kupita kumtsinje , pogwiritsa ntchito ziwerengero zomwe anthu onse adazilemba pa ndondomekoyi.
Koma iwo adzakwera mmwamba ndi chiwerengero chomwecho kwa anthu omwe anabweretsa zifukwa zazikulu, anthu omwe anabweretsa zifukwa zing'onozing'ono, ndi anthu omwe sanatengepo kalikonse nkomwe.
Malinga ngati ndondomeko yanu isaleke, mudzatha kupitiriza kuigwiritsanso ntchito kuyambira chaka chimodzi kupita kwina (onani kuti izi sizikukhudzana ndi mapulani a inshuwalansi ). ndi zomwe mumanena chaka chotsatira - mmalo mwake, mlingo wanu udzasintha ndi chiwerengero chomwecho monga wina aliyense mu dera lanu.
Ndipo kuchokera kumbali yosiyana, kuwonjezeka kwawonjezeka kumachitika kuchokera chaka chimodzi kupita kumapeto, ngakhale ngati simukulembapo kalikonse. Apanso, mlingo wanu ukuwonjezeka umatsimikiziridwa ndi chiwerengero chonse cha dziwe la chiopsezo; ngakhale kuti mwina simunayambe kunena, anthu ena anachita. Ndipo ngakhale kuti izi zingawoneke zokhumudwitsa m'zaka zomwe mulibe zifukwa, mudzazindikira kuti kuwonjezeka kwapadera sikutchulidwa payekha (malinga ndi zomwe akunena) m'zaka zomwe muli ndi mlandu waukulu.
Gwiritsani ntchito ndondomeko yanu - koma musagwiritse ntchito mopambanitsa
Chotsatira apa ndi chakuti musamachite mantha kuyika chigamulo pakafunika. Simuyenera kudandaula kuti mutha kukhala ndi inshuwalansi yapamwamba ya inshuwalansi.
Koma pempho lanu lidzakhala gawo la chithunzi chonse cha chithandizo cha umoyo wanu pakadutsa chaka chomwe chikubwera, kotero kupewa kupezeka mopitirira muyeso (mwachitsanzo, zinthu ngati kupita kuchipinda chodzidzidzidwa ngati chisamaliro chofulumira kapena dokotala wamkulu angapindule) dziwe lanu loopsya.