Nkhani zazikulu sizingakhudzire ambiri olembetsa
Mwezi wa November 2015, monga momwe olembapo a 2016 adayambira, bungwe la UnitedHealthcare linalengeza kuti adali ndi zovuta zazikulu kuposa zoyembekezeredwa muzitsulo za Obamacare ndipo adawachenjeza kuti iwo sangapitirize kupereka chithunzi pazochitika kumapeto kwa 2016. Mu April 2016, iwo adatsimikizira kuti adzatuluka mwapadera kwambiri kumapeto kwa chaka.
Zotsatira za Kutuluka kwa United
Mu 2014, UnitedHealthcare inangopereka ndondomeko pamakampani asanu. Mchaka cha 2015, chiwerengerochi chinafika ku 23, ndipo chigawo cha 34 chimafika mu 2016. M'mayiko ambiri, UnitedHealthcare sichidzakonzekera mu 2017, ngakhale kuti atsimikizira kuti apitiriza kutenga nawo mbali " kuphatikizapo Nevada ndi New York.
UnitedHealthcare ndi inshuwalansi yaikulu kwambiri pa dziko lonse, ndipo izi zakhala zikufotokozedwanso m'mitu yambiri yotsimikizira kuti kuchoka kwa wothandizirayo kuchoka pamabuku ambiri. Koma izo sizikuwuza nkhani yonseyo.
Ndizoona kuti ndizo inshuwalansi yaikulu kwambiri, koma cholinga chawo ndi msika wa Medicare ( Medicare Advantage ndi Medigap yowonjezeredwa ) komanso malonda a inshuwalansi omwe amagwiritsidwa ntchito ndi abwana , kusiyana ndi malonda a inshuwalansi (ambiri a anthu omwe olembetsa kudzera muzitsulo ali pamakonzedwe amodzi a msika).
UnitedHealthcare akhoza kukhala wamkulu pa inshuwalansi m'dziko lonse lapansi, koma amaonetsetsa kuti anthu 795,000 ali pa mgwirizano - pafupifupi 6 peresenti ya anthu omwe alowetsa muzokambirana kudzera m'mayiko osiyanasiyana. Ndipo United imayembekeza kuti amishonale awo apite ku 650,000 kumapeto kwa 2016.
Kotero anthu ambiri omwe amalembedwa muzokambirana pogwiritsa ntchito kusinthanitsa sadzakhudzidwa mwachindunji ndi kuchoka kwa United kumapeto kwa 2016.
Choyamba ndi Chosankha Chosankha
Chifukwa UnitedHealthcare sichidawoneke mwachangu pamasewero, zolinga zawo sizimakhala pakati pa mpikisano wothamanga kwambiri. Kaiser Family Foundation inafotokoza mtengo wa mapulani a United mogwirizana ndi zolinga zina mu 2016, ndipo adapeza kuti United ikupereka ndondomeko zasiliva zamtengo wapatali kwambiri kapena zochepa kwambiri (zomwe zimakonda kwambiri) pokhapokha 35 peresenti ya zigawo kumene wothandizira amapereka ndondomeko zosinthana
Pogonana, ogula amakhala okhudzidwa kwambiri, ndipo othandizira amakhala ndi gawo lalikulu la msika pamene malingaliro awo ali otsika mtengo kuposa otsutsana. Udindo wa United m'misika yambiri si umodzi mwa ogulitsa mtengo wotsika kwambiri, ndipo izi zikuwonetsera mu gawo lawo la msika wogulitsa, omwe ali otsika m'mayiko ambiri.
Zotsatira za zonsezi ndizofukufuku wa Kaiser Family Foundation adawona kuti ndondomeko yowonetsera ndalama zowonjezera (mtengo wapansi-mtengo wapatali kwambiri) ndipamwamba mu 2016 ngati United sanayambe nawo nawo mchaka chino .
Koma ndizopakati pa dziko lonse. Pali zigawo zina zomwe zotsatira za pulogalamuyi zikanakhala zofunikira kwambiri ngati United sanapereke ndondomeko mu 2016 (posachedwa kuti ndidziwe momwe izi zidzathandizire 2017, popeza mitengo siidavomerezedwe mu 2017) . Pali madera anayi omwe mapepala oyang'anira malipiro angakhale osachepera $ 25 / mwezi apamwamba pa 40 peresenti ya zigawo za boma ngati United sanayambe nawo nawo mgwirizano mu 2016: Alabama, Iowa, Nebraska, ndi North Carolina.
Ndipo kusankha kwa ogula ndichinthu chofunika kwambiri pa kusinthana. Malinga ndi kafukufuku wa Kaiser Family Foundation, pali maiko 1,121 ku US komwe kuli okha limodzi kapena awiri omwe amapereka mapulani pochita nawo malonda.
Ngati United iyenera kuchoka pa zokambirana zonse (zomwe sizikuwoneka, monga momwe ena adatsimikizira kuti United ikutsalira pa kusinthanitsa kwawo), kafukufuku wa Kaiser Family Foundation adawona kuti magulu ena 532 angalowe m'gulu la Mmodzi yekha kapena awiri omwe akutenga nawo mbali zotsatizana (ndipo kuwonjezera, 536 mwa mabungwe omwe pakali pano ali ndi zonyamulira awiri akhoza kugwa kuti akhale ndi imodzi). Zotsatira zake zikanakhala kuti 53 peresenti ya zigawo ku US zikanakhala ndi amodzi okha kapena awiri omwe ali ndi inshuwalansi ochita nawo malonda.
Kotero ngakhale kuti UnitedHealthcare si imodzi mwazigawo zamtengo wapatali kwambiri m'madera omwe akugwira ntchito panopa, zimabweretsa chisankho chokwanira kwa anthu omwe akugula malonda, ndipo mosakayikira adzachepetsedwa mu 2017.
Pa nthawi imodzimodziyo, ndibwino kukumbukira kuti ena ogulitsa mosakayika adzalowetsa misika yosinthanitsa m'mayiko ena kumene United ikuchoka. Mwachitsanzo, ku Virginia, UnitedHealthcare idzapitiriza kupereka mapulani mu 2017, koma osati m'matawuni ambiri omwe amapereka ndondomeko mu 2016 (mwachitsanzo, iwo amangotuluka m'madera ena a boma). Koma Cigna akuphatikizana ndi Virginia nthawi yoyamba mu 2017.
Pali zigawo ziwiri - Oklahoma ndi Kansas - kumene UnitedHealthcare ndi imodzi mwa anthu awiri omwe amanyamula mapulani. (Kansas ili ndi katundu wambiri, koma osati UnitedHealthcare, onsewa ndi Blue Cross Blue Shield ogwirizana). United akuchoka m'mayiko awiriwa kumapeto kwa 2016. Pokhapokha ngati inshuwalansi ina idzaphatikizana, Oklahoma ndi Kansas zidzatsala ndi wothandizira mmodzi mu 2017 (Wyoming ali mu chikhalidwe chimenecho mu 2016, ndipo West Virginia anali ndi wothandizira mmodzi yekha 2014 ndi 2015).
N'chifukwa Chiyani Kulipira Pamodzi?
Chigamulo cha United kuti achoke pamsonkhanowu chimachokera ku zachuma zomwe achita - ndikuyembekeza kuti azikambirana. Pakati pa kusinthana kwawo mu 2015 ndi zomwe akuyembekeza kuti adzasokoneze mu 2016, malipiro awo onse pa gawo la msikawo akhoza kufika $ 1 biliyoni.
Kuti zikhale zomveka, UnitedHealthcare akadali kampani yopindulitsa. Koma adatsimikiza kuti sangalole kuti magulu awo a msika apindule athandizire gawo lawo la msika wosasinthika pamapeto pake. Anthu omwe alowetsa ku United exchange plans akukhala odwala kuposa omwe akulembera m'magulu awo a msika, zomwe zimapangitsa ndalama zowonjezera kwa inshuwaransi (vuto ili si losiyana ndi United; ogulitsa ambiri apeza kuti kusinthanitsa kwawo akugwiritsa ntchito chithandizo chamankhwala kuposa kuyembekezera).
Kumapeto kwa chaka cha 2015, UnitedHealthcare inalengeza kuti sangathe kulipira makampani oyang'anira malonda omwe akugulitsidwa pamsika pamapeto a chaka cha 2015. Izi zinali zoyesayesa kuchepetsa kulembetsa anthu mu 2016, popeza anali atadziwa kale kuti gawo lawo la msika wosinthanitsa silinapangidwe kuti ukhale wopindulitsa.
Kodi Ndiyenera Kuchita Chiyani?
Ngati mwalembetsa ndondomeko ya kusinthanitsa kudzera mu UnitedHealthcare mu 2016, mudzatha kusunga kumapeto kwa chaka malinga ngati mukupitiriza kulipirira malipiro anu. Mudzapatsidwa chidziwitso kuchokera ku United ndi kusinthanitsa pambuyo pa chaka ndikukupatsani chidziwitso pazomwe mungachite kuti mukhale olembetsa ( zomwezo zinachitika kwa anthu ambiri pa mapulani a CO-OP mapeto a 2015 ).
Mutha kusunga ndondomeko yanu yosasintha ya dongosolo lanu la UnitedHealthcare, koma ndizofunikira kudziwa kuti ndalama zothandizira ndalama komanso zopatsana ndalama zothandizira ndalama sizipezeka pazinthu zotsatsa malonda. Ambiri mwa anthu omwe amalembedwa muzokambirana kudzera mu mgwirizano akulandira ndalama zothandizira.
Panthawi yolembera, mudzakhala ndi mwayi wosankha ndondomeko yosinthanitsa kuchokera ku chithandizo china kuti mutenge dongosolo lanu la UnitedHealthcare. Kuti ntchitoyi ikhale yosavuta, njira yabwino ndikulembera ndondomeko yatsopano pa December 15, kuti muonetsetse kusintha kosasunthika ndi tsiku loyamba la January 1 la dongosolo lanu latsopano (Massachusetts, Rhode Island, ndi Chigawo cha Washington chiloleza kuti olembetsa amalize kumapeto kwa Dec. 23 pa Jan. 1 masiku ogwira ntchito, ndipo United ikutsutsana pamadera atatuwa).
Mukhoza kulandira nthawi yolembera yapadera yomwe imayambitsidwa ndi kutayika kwina, kotero kuti muyenere kulembetsa mochedwa mpaka pa 31 Dec pa tsiku la Jan. 1. Koma izi ndi zovuta kwambiri , ndipo ndondomekoyi idzakhala yophweka ngati mutasankha ndondomeko yanu yatsopano pa Dec. 15.