Kaya mumasankha kukhala osatetezedwa kapena kupita popanda inshuwalansi chifukwa mulibe mwayi wina, mumakumana ndi zoopsa chifukwa mulibe inshuwalansi ya thanzi. Kuzindikira momveka bwino zotsatirazi zingakuthandizeni kusankha zochita mwanzeru.
Mavuto azachuma
Ndalama zachipatala mosakayika zimapangitsa kuti anthu ambiri asamangidwe. Ngakhale mutakhala olemera, ngati muli ndi matenda aakulu kapena ngozi yowopsa, ngongole zanu zamankhwala zingakhale zopanda phindu mukakhala opanda inshuwalansi.
Ngati simukulimbikitsidwa ku United States, mudzakumananso ndi chilango cha msonkho pokhapokha mutapanda chilango . Chilango ichi chikhoza kukhala pafupifupi 2.5 peresenti ya ndalama zanu zapakhomo zapachaka, koma sizingakhale zochulukirapo kusiyana ndi mtundu wa dziko lonse wa dongosolo la thanzi la mkuwa wokhudzana ndi inshuwalansi ya chaka chimenecho.
Zoopsa za Umoyo
Kusalimbikitsidwa kungakhudze thanzi lanu. Mu lipoti lake la 2017, Kaiser Family Foundation inati "anthu osalimbikitsidwa amakhala oposa omwe ali ndi inshuwalansi kuti asiye kuchipatala kapena kusiya zonsezo. Zotsatira zake zingakhale zovuta makamaka makamaka pamene zovuta zowonongeka kapena matenda opatsirana sangapezeke."
Zoopsa kwa Okondedwa Anu
Si inu nokha omwe mumayika pangozi pamene simukulimbikitsidwa. Chifukwa momwe mumakhalira moyo wanu zimakhudza anthu omwe mukukhala nawo pafupi, okondedwa anu ali pachiopsezo mukakhala opanda inshuwalansi. Mwachitsanzo, iwo amavutika ndi ndalama ngati akufunikira kukuthandizani ndi ngongole za zamankhwala.
Ngati akudalira pa inu ndalama komanso muli ndi mavuto azachuma chifukwa cha ndalama zothandizira, iwo adzalandira zotsatira za mavuto anu azachuma. Choipa kwambiri, okondedwa anu adzavutika ngati thanzi lanu likufooka chifukwa simungathe kusamala chifukwa chakusowa chitsimikizo.
Zowopsa Kwa Anthu Ammudzi Wanu
Mu chithunzi chachikulu, ngati simungathe kulipira ngongole zanu zachipatala chifukwa simukulimbikitsidwa, dera lanu komanso anthu onse akuvutika.
Mwachitsanzo, ogwira ntchito zaumoyo omwe amathera nthawi yawo ndizinthu zakuthupi akukusamalirani adzavutika chifukwa chosadzipidwa. Amalonda ammudzi mwanu amamva mavuto mukasintha ndalama zanu chifukwa cha madola akuluakulu azachipatala. Ogwira nawo ntchito ndi abwana anu amamva ululu mukamaitana nthawi zambiri kudwala chifukwa simukupeza chithandizo chamankhwala kapena ngati thanzi lanu likufooka ndipo simukugwira bwino ntchito.
Ngozi ku Sosaiti
Banja lonse lingathe kuvutika ngati inu simukuthandizidwa. Ngakhale simungapange ndalama zambiri, mumaperekabe ntchito kwa anthu m'njira zosiyanasiyana. Mwachitsanzo, ngati mukugwira ntchito yabwino yokweza ana anu, mumapereka chithandizo kuntchito mwa kukweza anthu am'tsogolo. Kukhala ndi ntchito, kudzipereka, kuyang'ana anansi anu, ndi kupereka chithandizo chamtima kwa anzanu ndi okondedwa anu onse ndi zopereka kwa anthu onse.
Ngati mutapanda inshuwalansi ndi zomwe zimayambitsa kuchepetsa kuchipatala kapena kupeza chithandizo chamankhwala, kuchedwa kumeneku kungakuchititseni kudwala, mwinanso ngakhale kumayambitsa kulemala. Sukulu yonse idzavutika chifukwa simungathe kupereka zambiri monga momwe mudachitira mutakhala wathanzi. Ngati inu muli olumala chifukwa simunapeze chithandizo chamankhwala, sikuti kokha anthu amalipiritsa malipiro anu olemala, koma amataya zopereka zanu zamakono komanso zamtsogolo kwa anthu.
Anthu ambiri olumala amapita ku Medicaid , Medicare , kapena onse awiri. Ngati muli pa Medicaid, anthu onse akulipira chithandizo chaumoyo wanu. Ngati inu muli olumala ndikupita ku Medicare mofulumira, musanaperekepo misonkho kwa zaka zambiri, anthu amatha kupereka ndalama za Medicare komanso kulipira madokotala anu.
Zowopsa ku Njira Yonse ya Inshuwalansi Zaumoyo
Anthu onse omwe ali okhudzidwa ndi ndondomeko ya inshuwalansi yathanzi ndi mbali ya dziwe loopsya. Dothi lokhazikika, lokhazikika lomwe limakhalapo pangozi limadalira kukhala ndi chiwerengero chachikulu cha olembetsa oyenera kuti apange owerengeka ochepa omwe ali ndi matenda aakulu.
Chimodzi mwa zifukwa zazikulu zomwe tikuwonera zokhala padera pamsika wamalonda ndi a inshuwalansi omwe amasiya kusinthanitsa ndi chifukwa chakuti anthu odwala sangakhale okhutira mokwanira. Chotsatira chake, madzi ambiri omwe ali ndi chiopsezo amachititsa kuti mapeto awo asakhale abwino kwambiri, komanso kuti ndalama zowonongeka zowononga anthu ena.
Njira yokhayo yosungira inshuwalansi ya thanzi ndi yotheka ndi yothandiza anthu omwe ali ndi thanzi labwino kuti alowe muwunikira kuti athetse ndalama zomwe amadandaula nazo kwa omwe alibe thanzi. Ndipo ngakhale mutakhala ndi thanzi labwino tsopano, izo sizingakhale choncho nthawi zonse. Ngati mutakhala ndi chithandizo chamankhwala chofunika kwambiri, mutengere ndalamazo mutengedwe ndi olembera omwe ali ndi chitsime choopsa, ndikuganiza kuti muli ndi inshuwalansi panthawiyo.
Kuchepetsa Ngozi Zopanda Kulimbikitsidwa
Kaya mumasankha kupita popanda inshuwalansi kapena simukulimbikitsidwa chifukwa mulibe njira ina, mumakhala ndi zovuta. Zina, koma osati zonse, zowopsa zingathe kuchepa. Bukuli likuthandizani kukonzekera kuti musatetezedwe ndipo, ngati momwe zingathere, kukuthandizani kuchepetsa mavuto omwe angakhale nawo osakhala otsimikiziridwa.
> Chitsime:
> Henry J. Kaiser Family Foundation. Wopanda Uninsured: Mfundo Zofunika Kwambiri Zokhudza Umoyo wa Inshuwalansi ndi Uninsured Under the Affable Care Act. Idasindikizidwa December 14, 2017.