Kusankhidwa kosasamala mu inshuwalansi ya umoyo kumachitika pamene anthu odwala, kapena omwe ali ndi chiopsezo chachikulu kwa inshuwalansi, agula inshuwalansi ya thanzi pamene anthu odwala sangagule. Chisankho chosasokonekera chikhoza kuchitika ngati anthu odwala akugula inshuwalansi yochuluka kapena mapulani a thanzi labwino pamene anthu odwala amagula zochepa.
Kusankha kosasangalatsa kumaika inshuwalansiyo pangozi yaikulu yotaya ndalama kudzera muzinena zomwe sizinanenedweratu.
Ngati chisankho choletsedwa chikanaloledwa kupitiliza kusasunthika, makampani a inshuwalansi azaumoyo adzakhala opanda phindu ndipo potsirizira pake adzatuluka bizinesi.
Mmene Kusankhidwa Kwambiri Kumagwirira Ntchito
Pano pali chitsanzo chophweka chosavuta. Tiyerekeze kuti kampani ya inshuwalansi ya zaumoyo ikugulitsa umembala wa $ 500 pamwezi. Amuna azaka 20 omwe ali ndi thanzi labwino angayang'ane malipiro awo a mwezi uliwonse ndikuganiza kuti, "Kutsika, ngati sinditi ndikulimbikitseni , sindikuwononga ndalama zokwana madola 500 chaka chonse pa chithandizo chamankhwala. Sindiwononga ndalama zanga pamadola 500 a mwezi uliwonse pamene mwayi woti ndikufunika opaleshoni kapena ndondomeko ya chithandizo chamankhwala chokwanira ndi yaing'ono kwambiri. "
Pakalipano, wazaka 64 yemwe ali ndi matenda a shuga odwala matenda a mtima akhoza kuyang'ana $ 500 pamwezi uliwonse ndikuganiza kuti, "Wow, ndalama zokwana madola 500 pamwezi, kampani ya inshuwalansiyi idzalipiritsa ndalama zowonjezera zanga pa chaka ! Ngakhale atatha kulipira deductible , inshuwalansiyi ikupitirirabe.
Ndikugula! "
Kusankha kosokoneza kumeneku kumabweretsa umembala waumembala wa anthu omwe ali ndi matenda omwe amaganiza kuti angagwiritse ntchito ndalama zoposa $ 500 pa mwezi ngati akuyenera kulipira ngongole zawo zaumoyo. Chifukwa ndondomeko ya thanzi imangotenga $ 500 pamwezi pa membala koma akulipira ndalama zoposa $ 500 pamwezi pa membala wina aliyense, ndondomeko ya thanzi imataya ndalama.
Ngati kampani yathandizi ya inshuwalansi sichichita kanthu kuti izi zisawonongeke, zidzatha kutaya ndalama zambiri zomwe sungathe kupitiriza kulipira.
Momwe Makhalidwe a Thanzi Amatetezera Kusankhidwa Kovuta
Pali njira zingapo zothandizira inshuwalansi zothandizira kupeŵa kapena kufooketsa kusankha kosayenera. Komabe, malamulo a boma amaletsa ogulitsa inshuwalansi kuti asagwiritse ntchito njirazi ndikuletsa kugwiritsa ntchito njira zina.
Mu msika wa inshuwalansi wathanzi wosagwirizana, makampani a inshuwalansi azaumoyo angagwiritse ntchito kulembera pofuna kuyesetsa kusankha zosokoneza. Panthawi yolemba zolembera, wolemba zolembera amafufuza mbiri yachipatala, chiwerengero cha anthu, zomwe adanena kale, ndi zosankha za moyo. Amayesa kudziwa momwe angayang'anire inshuwalansiyo polimbikitsa munthu yemwe akufunsira inshuwaransi.
Wa inshuwalansi angasankhe kuti asagulitse inshuwalansi ya moyo kwa munthu amene ali pangozi yaikulu kapena kulipira munthu yemwe ali ndi vuto lalikulu kuposa momwe anganene kuti wina angakhale ndi zochepa. Kuwonjezera apo, kampani ya inshuwalansi ya thanzi ingachepetse chiopsezo chake mwa kuyika malire pachaka kapena moyo wake wonse pa kuchuluka kwa zomwe zimapatsa munthu wina, potsutsa zochitika zomwe zakhala zikuchitika kuyambira kufotokozedwa, kapena kupatula mitundu ina ya mankhwala okhudzidwa ndi chithandizo chamankhwala kapena mautumiki kuchokera ku chithunzi.
Ku United States, makampani a inshuwalansi a zaumoyo saloledwa kugwiritsa ntchito njira zambirizi. The Affordable Care Act
- imaletsa alangizi a zaumoyo kukana kugulitsa inshuwalansi ya umoyo kwa anthu omwe alipo kale.
- imaletsa mabungwe a inshuwalansi kuti asawononge anthu omwe ali ndi zikhalidwe zomwe zakhalapo kale kuposa momwe zimayankhira anthu wathanzi.
- imaletsa mapulani azaumoyo kuti asapangitse phindu la pachaka kapena la moyo.
- kumafuna njira zathanzi kuti aziphimba mayendedwe ofunikira ofunikira; Mapulani a zaumoyo sangathe kupatulapo ntchito zina zothandizira zamankhwala kapena mtengo wogulitsa.
- kwenikweni amaletsa kulembedwa kwa inshuwalansi yodalirika yambiri ya mankhwala (ngakhale kuti kulembedwa kwalembali kumaloledwa kwa inshuwalansi ya kanthawi kochepa komanso inshuwalansi ya nthaŵi yaitali .)
Ngakhale kuti Care Affableable Act anachotsa zipangizo zambiri za inshuwalansi zomwe zimagwiritsidwa ntchito kuti zisawononge zosokoneza, zinakhazikitsa njira zina zothandizira kupewa zosasankhidwa zosankha.
- Izi zimafuna anthu onse a ku US kuti akhale ndi inshuwalansi ya umoyo kapena kulipira msonkho . Izi zimalimbikitsa anthu achichepere, omwe ali ndi thanzi labwino omwe angayesedwe kuti asunge ndalama mwa kupita popanda inshuwalansi kuti alowe mu ndondomeko yaumoyo. Ngati salembetsa, amapereka chilango chachikulu cha msonkho.
- Zimapereka chithandizo chothandizira iwo omwe ali ndi ndalama zochepa kuti agule inshuwalansi ya thanzi pa kusinthanitsa kwa inshuwalansi ya umoyo kotero kuti akhoza kukhala olembera mu ndondomeko yaumoyo.
- Amapereka malire pamene anthu aloledwa kulembera ndondomeko yaumoyo kuti anthu asamayembekezere kugula inshuwalansi ya umoyo mpaka atadwala ndikudziwa kuti adzakhala ndi ndalama zothandizira. Anthu amaloledwa kulemba inshuwalansi ya umoyo pa nthawi yolembera chaka chilichonse m'dzinja , kapena nthawi yolembera yapadera yochepa chifukwa cha zochitika zina za moyo monga kutaya inshuwalansi ya ntchito , kukwatira kapena kusudzulana, kapena kuchoka dera.
- Zimapereka nthawi yochepa yodikira pakati pa nthawi yomwe munthu akulembera inshuwalansi ya umoyo komanso nthawi yowonjezera ikuyamba.
- Amapereka inshuwalansi kuti azitha kusuta fodya mpaka 50% apamwamba kuposa omwe osuta fodya.
- Izi zimapereka inshuwalansi zaumoyo kuti azipereka anthu okalamba mobwerezabwereza katatu kuposa momwe amachitira achinyamata chifukwa okalamba amakhala ndi ndalama zowonjezera kuposa momwe achinyamata amachitira, choncho amapezerapo mwayi waukulu kwa inshuwalansi.
- Izi zinakhazikitsa mfundo zofanana zogwiritsira ntchito phindu , zomwe zimapereka inshuwalansi kuti azilipiritsa ndalama zambiri pazinthu zaumoyo. Platinum amapanga ndalama zambiri kuposa zamakonzedwe a zamkuwa , kotero ogula amene akufuna kuwonjezeka mwatsatanetsatane woperekedwa ndi platinum dongosolo ayenera kulipira zambiri kuti apeze.
Zotsatira:
Mavuto Osankhidwa Osankhidwa ndi Umoyo Wosakaniza Malonda a Inshuwalansi Pansi pa Ndalama Zogwira Ntchito Zofunika . National Association of Inshuwalansi Commissioners.
Momwe Makhalidwe Amsika Amakhalira Pulezidenti Wanu wa Inshuwalansi Zaumoyo. HealthCare.gov