Zvinyorwa Zvisingatauriki Nezvokudhura Kwehutano Utano muAmerica
Vanhu vazhinji vaibhadhara mabhiriro sezvavaigona, nekufamba kwenguva. Asi 16.5 muzana vakatora nguva yakareba kupfuura gore kuti varipikidze.
Mumwezve 8.9 muzana akange asingakwanisi kuripa zvachose.
Migumisiro yeHurumende yeHutano Inotarisira Mari
Pakati peavo vakanga vane dambudziko kubhadhara zvikwereti zvavo zvezvechiremba, 73 muzana vakashongedzwa pamitambo, zvipfeko kana kuti rendi. Makumi makumi matanhatu kubva muzana akashandiswa pakukwanisa kuchengetedza. Vanopfuura 40 muzana vakatora basa rakawedzerwa kubhadhara zvikwereti.
Inenge inenge yechina inodonhedzwa pakutora mishonga yemishonga. Somuenzaniso, mumwe munhu aisakwanisa kubhadhara $ 1,200 pamwedzi ye insulin yake. Akaderedza chirwere chacho, uye chirwere chake cheshuga chakawedzera. Vanenge makumi matatu kubva muzana muzana vakadzokorora kuwanikwa kuchengetedzwa. Izvi zvinotungamirira kune zvinetso zvehutano zvinowedzera mumugwagwa.
Kuwedzera kweutano hwekurapa kunodzvinyirirwa 34 kubva muzana kukakwira kumusoro- chikwereti kadhi rechikwereti chikwereti . Zvikamu gumi nezvishanu kubva muzana zvakatora zvimwe zvikwereti, asi 13 muzana yakweretwa kubva pamari yekubhadhara mari.
Mhuri idzi dzakanga dzisiri varombo, avo kazhinji vanofukidzwa zvakanaka neMedicaid. Pane kudaro, zvikamu zviviri kubva muzvitatu zvaive vadzidzisi veminda uye vatatu-vashanu vakanga vari kojijiji.
Vaiva vari pakati- vevanhu vechiAmerica vakagumburwa nehukuru, uye zvisingafungidziki, zvisiri zvepahomwe mari yekurapa. Vaya vane inshuwarisi yega yega vakaona bhajiro ye $ 17,749 pamhuri. Vaya vakarasika inshuwarisi panguva iyi vakatarisana ne $ 22,658 muzvikwereti. Avo avo vasina inshuwarisi zvakajeka vakakundwa nevakawanda, pa $ 26,971 pamhuri.
Nha. 1 Chikonzero cheBhangiro?
Muna 2015, Kaiser Family Foundation yakawana kuti kune vanhu vane mamiriyoni 1 vakazivisa kudarika kwechiremba. Izvi zvinopfuura avo vanozobhadhara mari isina kubhadhara chikwereti chekwereti kana kutora chikwereti zvisingabhadharwi. Chidzidzo cheNerdwallet muna 2013 chakawana kuti vanenge makumi matatu kubva muzana vakashandisa makadhi avo emakadhi, asi 8 muzana vakamanikidzwa kupinda mubhadhadzi nokuti chirwere chakavapa mabasa avo.
Kunyanya kuvhiringidzika ndechokuti 78 muzana yavo vaiva ne inshuwarhu yehutano iyo yakundikana kuvhara zvose zvadzo. Makumi makumi matanhatu kubva muzana akaregererwa nehushuwarisi yega, kwete Medicare kana Medicaid. Mamiriyoni gumi kubva kwavari achawana mari yezvechiremba yavasingakwanisi kuripa gore roga rega, nokuda kwezvirongwa zvakakwirira-zvinokonzerwa.
Vaya vane inshuwalisi vakafambisa sei nemitemo yakawanda? Pamberi peAACA, vazhinji vakawirwa nemiganhu yegore negore uye yeupenyu . Vamwe vakasungwa apo makambani einishuwarensi akaramba zvirevo kana kuti akangodzinga purogiramu yacho pavakarwara.
Asi kunyange mushure meObamacare, vazhinji vakanga vasati vakagadzirira kubhadhara zvakakwirira uye co-inshurensi mari. Muna 2017, 31 muzana yevaiti vehupfumi vakawana zvakaoma kutenga mapepa. Izvo zvinobva ku24 muzana muna 2015, maererano neKaiser Family Foundation yekudzidza. Saizvozvowo, 43 kubva muzana vakawana zvikwereti zvakakwirira kwazvo, zvichienzanisa ne 34 muzana muna 2015.
Dhaka
Makumi makumi matatu kubva muzana emari ekurapa kwekurapa anoenda kuparara. Zvibasa zvisina basa, zvakadai sokupedza maantibiotic, zvinodhura $ 210 mabhiriyoni gore negore. Mari yekutungamirira yemapepa inowedzera $ 190 mabhiriyoni. Vashandi vanobhadhara vanofanira kushandira zvirevo zvakasiyana siyana zvemazana emapurogiramu akasiyana-siyana emishuwarenzi.
Zvimwe zvezvikwereti zvisina kukodzera kubva kuMedare, Medicaid, uye neHana Health Health Programme. Kunyange zvazvo huwandu huwandu, huri huwandu huwandu hwezvirongwa zvehuwandu hwemari.
| Purogiramu | Amount (2014) | Percent Budget |
|---|---|---|
| Medicare | $ 60.0 mabhiriyoni | 9.9% |
| Medicaid | $ 17.5 biliyoni | 6.7% |
| CHIP | $ 600 Mamiriyoni | 6.5% |
Kunyengera kunodhura zvakadarika $ 200 mabhiriyoni pagore. Izvi zvinosanganisira kushandiswa kwechirwere chepamusoro pepaillisi. Sangano reUnited States for Disease Control rinofungidzira kuti vanhu vanosvika mamiriyoni gumi nemaviri vanoshandisa mishonga yemishonga yezvikonzero zvisingaitiki muna 2010.
Pakati peizvi, paiva neva 170 000 vakwegura avo "chiremba akadzungurudza," kuwana zvinyorwa kubva kune vanodhaka vashanu kune zvinhu zvinodzorwa.
Kushungurudzwa kweEnguva Dzimba Dzimba
Muna 2001, mudzimba dzekukurumidzira vanachiremba vakapedza hafu yenguva yavo pane varwere vasina inshuwarisi. Ava varwere vakafukidzwa neMedicaid, nokuda kweEEMTALA. Asi Medicaid inogadzirisa zvikwereti zvayo. Somugumisiro, zvipatara zvakapa $ 46.4 mabhiriyoni mukutarisirwa kwaifanira kutorwa sechikwereti chakaipa.
Zvikanganiso Zvokurapa
The Institute of Medicine yakaona kuti pakati pe 210 000 ne440 000 varwere vakafa gore negore kubva kukanganisa kwechiremba muzvipatara. Izvo zvakaenzana nejoro jumbo gumi rinokonzera gore.
Zvizhinji Zvinodhura Zvirwere
Zvirwere zvinodhura zvikuru zvine chirwere cheshuga, pa $ 26,971 pamhuri, uye zvinetso zvepfungwa sezvakawanda multiple sclerosis, iyo inodhura madhora 34,167 paavhareji.
Mari inodhura zvikuru yaiva muzvipatara, izvo zvakakonzera hafu yezvikwereti. (Inobva: "US Health Care Spending: Ndiani Anobata?" California Health Care Foundation, July 2014.)
Chikamu Chidiki Chevanhu Vanopa Mukana Wakawanda Wezvinetso
Chikamu chimwe chezana chevanhu chinowedzera makumi maviri muzana yehutano hwekutarisira mari. Muna 2009, vanhu vanosvika mamiriyoni matatu vakapedza mari inodarika madhora 90 000 mumwe nomumwe. Vanhu vakwegura vanopedza mari iyo gore negore. Iko kunofananidzwa ne50 kubva muzana yevanhu vanogara mari inosvika $ 236 pamunhu wese.
Zvikamu zviviri kubva muzvitatu zvevaya vanopedza mari yakawanda vane makore makumi mashanu nemashanu. Inenge 25 muzana ine makore 75 kana kupfuura. Vakawanda vakarasikirwa nekwanisi yekuzvitarisira ivo pachavo.
Vanopfuura 90 muzana yevatengi vakakwirira vane zvirwere zvisingaperi Maitiro anowanzozivikanwa anowedzera kuwedzera kweropa, chirwere cheshuga, uye cholesterol yakakwirira. Kuwanda kwezvirwere izvi kuri kuwedzera. Ichi ndicho chimwe chezvikonzero zvina nei kutarisira utano kuchida kuchinjwa .
Prescription Drug Costs
Kunze kwevamwe vatsva vari muzvigadzirwa zvehutano, vatori vezvinodhaka zvinodhaka vanoita zvakanakisisa. Chiremba uye zvipatara zvinowanikwa muzvipatara zvinongova 3.7 muzana chete. Utano huri kuronga muhomwe zvishomanana, pa 3.2 muzana. Izvo chikamu nokuti vanofanirwa kuumba makambani akasiyana kune imwe nyika. Havana simba rakakwana rekukwikwidza kurwisana nemidziyo yenyika uye makambani emishonga.
Somugumisiro, vadzidzisi vezvigadzirwa zvemishonga vanochengeta 9.5 muzana yemari yavo. Chirwere chechiremba uye inyanzvi yekambani inopa zvikamu 12.5 muzana. Makambani ekushandisa zvinodhaka anoita 20.8 muzana. Vanoti ndizvo zvavanofanira kuita tsvakurudzo yakawanda pamusoro pemakore kuti vawedzere mishonga inobatsira.
US Health Care Rank
IWorld Health Organization yakati United States ine hutano hwakanakisisa hwehutano munyika yose. Iine makore makumi matatu nematanhatu ekutarisira kweupenyu. Asi US kufa kwechecheche is 47th. Medicaid inopa hafu yezvose zvinoberekwa.
Iyo Inokubata Sei Iwe
Zvinobatsira kuva ne inshuwarisi yakakwana. Muna 2001, vasati vatengesa veObamacare vasati vatanga, 21.3 muzana yemhuri dzakashuma vane matambudziko ekubhadhara zvikwereti zvemishonga . Muna 2016, icho chakanga chaderera kusvika 16.2 muzana. Ndiyo mamiriyoni 13 vashomanana vokuAmerica.
Ichi chidzidzo chinoratidza kuti nei zvakakosha kuti iwe utarise inshuwarhu yehutano sezvimwe chero ipi zvayo ye inshuwarisi. Ikoko ndiko kuchengetedza mari yako. Nokudaro, tarisa zvakanyatsoonekwa nezvezvakabhadharwa , kubhadhara mari uye kubhadhara mari yekutengesa kuwedzera pamutengo wako wekubhadhara pamwedzi. Enzanisa urongwa hwako huripo, kana iwe uine imwe, kune zvaungapedzisira wawana pahutano hwekuchengetedza utano. Kana iwe usina inshuwarisi, iva nechokwadi chokuti uite zvakafanana kana uchitenga inshuwarisi itsva.
Kana iwe uchikwanisika kutenga $ 5,000 kana $ 10,000 zvigadziriswa, saka zvinonzwisisika kuenda kune rebhadharo yepamusoro. Kana iyo iyo yakakwirira yakakosha ichakuchenesa iwe, saka kubhadhara mamwe mwedzi woga woga kunokosha - kunyangwe zvinotora chirongo chakakura kubva mumari yako.