Kwa anthu omwe alibe mwayi wothandizira inshuwalansi, ACA imaphatikizapo thandizo lothandizira inshuwalansi. Koma sikuti aliyense amayenera mwachidwi ku umodzi wa magulu awiriwa. Anthu ena ali ndi mwayi wopita kuntchito, koma sangakwanitse kupereka malipiro. Kwa ena a iwo, ACA imapereka mpumulo. Koma pakati pa anthu awiri ndi anayi miliyoni, palibe njira yothetsera vutoli panthawiyi.
Ndi ndani yemwe wagwidwa mu ubweya wa banja?
Ndi chifukwa chakuti iwo amatsatiridwa mu zomwe amadziwika kuti "banja la" ACA "ndipo sangathe kupeza chithandizo chokwera mtengo kuchokera kwa abwana kapena amapereka ndalama zogwirizana.
Pano pali vuto: Kuti mukhale oyenerera kulandira ndalama zothandizira ndalama zowonjezera, muyenera kukhala ndi ndalama zomwe sizingapitilirepo umphawi wochuluka wa 400%, ndipo ndondomeko ya Silver yomwe ili yotsika mtengo kwambiri m'dera lanu ilipira kuposa kuchuluka kwazinthu zisanayambe. Koma palinso chinthu chinanso. Kuyenerera kwa ndalama zothandizira anthu kumadalira ngati munthu ali ndi mwayi wopeza ndalama zogwiritsidwa ntchito ndi abwana zomwe zimapereka mtengo wochepa (amawononga ndalama zosachepera 60%) ndipo amalingalira kuti angakwanitse. Kwa 2018, izo zimatanthauzidwa ngati kufalitsa komwe sikulipira ndalama zopitirira 9,5% za ndalama zapakhomo pa ntchito ya antchito okha (izi ndi kuchepa pang'ono kuchokera mu 2017, pamene inshuwalansi yogulitsidwa ndi ogwira ntchito iyenera kuti iwononge ndalama zopitirira 9.69 peresenti ya ndalama zapakhomo chifukwa chongopeza wogwira ntchito)
Ngati wogwira ntchitoyo ali ndi mamembala a banja, ndalama zowonjezera kuziwonjezera pa pulani yomwe amathandizidwa ndi abwana silingaganizidwe pozindikira ngati ndondomeko yomwe amapatsidwa ndi abwana ndi "yotsika mtengo." Popeza ogwira ntchito ambiri amapereka gawo lalikulu la ndalama zothandizira inshuwalansi za ogwira ntchito awo, mapulani ambiri omwe amagwiritsidwa ntchito ndi ogwira ntchito amaonedwa kuti ndi okwera mtengo.
Ndipo "zotsika mtengo" zimagwiritsidwa ntchito kwa anthu a m'banja lanu, ngakhale ngati abwana salipira malipiro awo onse .
Mwachitsanzo, taganizirani za banja la asanu limene limalandira ndalama zokwana madola 60,000 / chaka. Iwo ali pansi pa ndalama zowonongeka kuti apereke thandizo la ndalama (400% ya umphawi wa banja la asanu ndi $ 115,120 pozindikira kuti akuyenera kulandira ngongole za 2018). Tiyeni tiganize kuti abwana ogwira ntchito akupereka ndondomeko yabwino ya inshuwalansi ya umoyo, ndipo amapereka ndalama zambiri za antchito awo. Choncho banja limalipiritsa $ 100 / mwezi kuchotsedwa pa malipiro kuti awononge ndalama za antchito. Ndiwo 2 peresenti ya phindu lawo - pansi pa 9,5% peresenti - kotero chiwerengero chimawerengedwa kuti n'chotheka.
Koma nanga bwanji ngati ndalamazo zimapangitsa banja ndalama zokwana madola 900 / mwezi kuti awonjezere mkaziyo ndi ana ku dongosolo lomwe analandira? Olemba ena samaphimba phindu lililonse kuti awonjezere odalira, kotero izi sizowoneka zachilendo. Tsopano kuchotsedwa kwathunthu kwa malipiro a inshuwalansi ya umoyo ndi $ 1000 / mwezi, zomwe ndi 20 peresenti ya pakhomo lawo. Koma banja lonse likulingaliridwa kuti liri ndi mwayi wopeza "inshuwalansi" yothandizidwa ndi abwana, chifukwa chakuti kuthekera kwake kumachokera kokha pa zomwe amapereka kuti aphimbe antchito, osati ogwira ntchito komanso ogonjera ndi / kapena wokwatirana.
Kodi izi zinachitika bwanji?
Zonsezi zinamveketsedwa ndi IRS mu lamulo lomaliza lomwe linasindikizidwa mu 2013. Ndipo ngakhale kuti vuto liri lonse limatchulidwa kuti "banja lapamwamba," sikununkhira kwenikweni chifukwa chakuti bungwe la Government Accountability Office ndipo IRS malamulo asanamalize.
Chodetsa nkhaŵa chinali chakuti ngati anthu omwe ali ndi vutoli atha kupeza ndalama zothandizana nawo, izo zidzakwera kuchuluka kwa ndalama zomwe boma liyenera kulipira pothandizira. Popeza olemba ntchito amafunika kugawaniza zokhazokha zogulira antchito awo, panali nkhawa zomwe abwana angachepetse pa zopereka zomwe amapereka kwa anthu omwe amadalira inshuwalansi ya umoyo wawo, motero atumizira anthu ambiri okwatirana ndi ana kuti azipatsana chithandizo Kuphunzira.
Kodi tingathe kukonza?
Mu 2014, Senator Al Franken adayambitsa Family Coverage Act (S.2434) pofuna kuyesa kuthetsa banja. Koma lamulo silinapite kulikonse chifukwa cha nkhawa kuti kukonza kungakhale kotsika kwambiri (anthu ambiri angayesedwe kuti athandizidwe, zomwe zimaperekedwa ndi boma la federal). Hillary Clinton adafunanso kukonzekeretsa banja lake kukhala phwandolo, koma potsiriza adataya chisankho cha Donald Trump.
A Republican mu Congress adalimbikitsa kubwezeretsa ndi kubwezeretsa ACA mu 2017 zokambirana zokambirana, koma njira zosiyana siyana zomwe adapempha sizinadutse, ndipo ACA imakhala yosagwirizana. Sanaganizirepo ngongole iliyonse yothetsera vuto la banja.
Zidzakhala zikuwonekeratu ngati banja la glitch lidzakonzedweratu. Mwamwayi, ambiri mwa ana omwe angakhale atagwidwa m'banja amatha kulandira CHIP (Child's Health Insurance Program). Koma kwa iwo omwe sali, ndi kwa okwatirana omwe ali m'banja la glitch, kufotokozera sikungatheke, ngakhale kuti ndizomveka kuti ndizotsika mtengo.
> Zotsatira:
> Federal Register, Voliyumu 78, Nambala 22 , February 2013.
> GovTrack, S.2434, Family Coverage Act (Congress ya 113)
> Mapulogalamu apakati a zapakhomo, Njira Yopezera Ndalama 2016-24 .
> Mapulogalamu apakati a zapakhomo, Njira Yowonetsera Mapeto 2017-36 .
> Kaiser Family Foundation, Chidule cha American Health Care Act, May 2017.