Ivhareji yemari yesarudzo-yepakati-tier uye inonyanya kurudzirwa yemutemo inotengeswa pamusangano weBobamacare -iri kukwira 34% inoshamisa ye 2018, maererano nekutsvakurudza kubva kuAvalere Health, kuWashington DC
consulting firm. Iyo inomhanya kubva pa $ 554 kusvika ku $ 743 pamwedzi inopfuura vanhu vazhinji vanogona kubata.
Nenzira yakanaka, nekuda kwezvikwereti (kunyanya kune avo muchinguva), havasi vose vanozofanira kubvisa mari iyo yose kuti vawane mari yehupfumi. Asi kune avo vasingakwanisi kutenga mitemo yekushandura mitemo, pane zvimwe, zvisarudzo zvisingabatsiri izvo zvisingafaniri kuregererwa.
Iwe usati wapfuurira mune izvo zvasarudzo, chinyorwa chekuchenjerera, anoti nyanzvi yehutano Shelby George, Mutevedzeri Mutevedzeri weAdvisor Services kuManning & Napier. "Ichokwadi chinosuruvarisa nhasi ndechokuti kune zvakawanda zvakakosha, kusanzwisisika uye kusanzwisisika muhutano inshuwarhu yenyika," anodaro. "Zvakangofanana nekutenga motokari. Shandisa maawa anodiwa kuti unzwisise zvauri kuwana kune zvauri kuripa. "Heano mimwe mibvunzo yaunofanira kuibvunza.
Unogona Here Kuwana Inishuwarenzi Yemahara?
Usati wazunungusa musoro wako pane tarisiro yehurongwa husinganzwisisiki, funga zvauchazobhadhara.
Kune vanhu vazhinji, mhinduro yacho ingasava chinhu.
Kuti tinzwisise chikonzero nei, tinofanira kutarisa kuenderera mberi kweHurumende yekuendesa kubvisa mari yekugoverana mari-iyo zvikwereti izvo hurumende yakaita kune vatsigiri vekubatsiri kubatsira kubhadhara mari yekuchengetedza hutano kune vanhu vane mari shoma. Vatsigiri, avo vakafanoona izvi zviitiko, vakawedzera mari yezvigadziro zvavo zvesirivha.
Asi rumwe rutivi-rutivi rwechiitiko ichi ndechekuti takaona kuwedzera kwehukuru hwekubhadharwa kwepayimari yakabhadharwa kune avo vanobhadhara zvishoma kana zvina paurombo hwehutano (anenge madhora 48 000 kuvanhu, uye mhuri dzevana vanowana mari shoma kupfuura $ 98,000). Mune mamwe mazwi, mhuri dzine mari shoma inobatsira.
Kana iwe uchiri kutsvaga kutenga iyo sirivha-iyo inofukidza 70 muzana yehutano hwekutarisira mari , pamwe chete nemamwe makumi matatu emapfumbamwe akafukidzwa nea insured-iwe uchafanirwa kuumba musiyano pakati pekubhadhara uye mubayiro wakakwana. Asi kana iwe ukatora rubatsiro uhuise pane chirongwa chemhangura, chinofukidza 60 muzana yehutano hwekutarisira , iwe haufaniri kubhadhara muhomwe zvachose. Nyika yose ine mitemo yakasiyana uye mari dzakasiyana, asi izvi zvinotarisa kutarisa musati maongorora chero dzimwe nzira.
Inongova Yenguva Pfupi Dzairo Kwangu Here?
Zvinoshamisa kuti, inshuwarisi yehutano inowedzera kusingakwanisiki kune vanhu vanoita zvakawanda kuti vawane rubatsiro rwekubhadhara mari, vanotsanangura Nate Purpura, Vachigaro weMutungamiri weVatengi Zvinhu pa eHealth.com. The Affordable Care Act rinotsanangura "hazvibvumirwi" kana mari inopfuura 8 muzana yemari yako yakawanda yakagadziriswa. Kuongorora kwaPurpura kunoratidza kuti vanhu vanoita pakati pe $ 49,000 ne $ 69,000, uye mhuri dzinoita pakati pe $ 99,000 ne $ 129,000, dzinopinda mukati mawo.
Panguva iyoyo, iwe haungatongororwi nekuda kwekutenga kutenga-asi, chokwadi, handizvo zvatinogona kuratidza. Kana iwe usingakwanisi kuverenga nzira yekuita shanduro yemadzitateguru inoshanda nekucheka dzimwe makona, mutemo wenguva pfupi chinhu chimwe chekufunga. Mutungamiri weTrut Executive Executive akarayira kupa mitezo yenguva pfupi yegore, iyo vasati vasvika kumwedzi mitatu. Izvozvo hazvina kumboitika, asi iwe unogona kuwana chinhu chimwe chete nokutenga mitemo yemwedzi mitatu ichazovandudzwa kwemwedzi mipfumbamwe inotevera.
Kunyange zvazvo mitemo iyi isingakufukidzi nemamiriro ezvinhu akagara asati avapo usati wazvitenga mutemo, Purpura anotsanangura kuti kana iwe ukava nemamiriro ezvinhu panguva iyo, iwe uchava nehupfumi hwegore rose.
Nhepfenyuro dzenguva pfupi dzinopa zvishoma zvishoma kana zvichienzaniswa nemitemo yekutengeserana kwaOmbamacare -haisi kusanganisa kutarisira vana, kushandiswa kwezvinodhaka uye utano hwepfungwa, uye vanogona kutengesa zvakawanda pakutanga kwevanhu vane mamiriro akambovapo.
Asi, pane zvose, vanodhura zvishoma kudarika mazano kunze kwekubhadhara. Mumwe wemakore makumi matatu nemashanu anokwanisa kutenga mutemo ane $ 5,000 inotsvaga uye $ 500,000 muhuwandu huripo huripo hunenge $ 100 pamwedzi.
Kana, zvichida Combo Platter?
Imwe nzira yekuzvigadzirisa nayo ine combo platter yemarudzi, kusanganisa tsika dzemazuva ano indemnity inshurensi (yakagadzirirwa kubhadhara mari yakatarwa zuva rega kana iwe uri muchipatara kana pangozi) neurongwa hwenguva pfupi kana hudiki hunoita kuti iwe uwane kuti uende kuna chiremba kashoma pagore nokuda kwezvirwere zvako zvishoma. EHealth yakaona vatengesi-vatengesi vemhando idzi, uye dzimwe nguva migumisiro inonetsa. Chirevo chega chega chaifanira kuiswa nevanishuwarenzi vose pamusangano kuitira kuti mari yose inogona kuve yakatorwa zvakare. Izvo zvakave zvakaoma, saka munguva pfupi ikambani yakabudisa zvirongwa zvemakomboti pamwe chete nevatsigiri vese kuti vaite kuti zvinodavirwa zvireruke zviri nyore. Kunyange zvakadaro, Purpura inotsanangura iwe unofanirwa kubhadhara zvakanyanya zvinhu zviviri: "Chirongwa chemishonga chinonzi underwritten [zvichienderana nehutano hwako], kana kuti nyaya yakagadziriswa ?," anodaro. Uye rwechipiri, "Chii chichaitika zuva rega roga kana iwe uri muchipatara?" Usanyengedzwa, anoti: Ita kuti unonzwisisa zvauri kuwana pane zvauri kuripa. Chii chinonzi Ambetter kubva Coordinated Care ?