Sezvo mutemo wehuwandu, zviuru zvemakore zvinowedzera mari-kureva, zvinoreva kuti vanowanzobvunzurudza pamusoro pemari yekurapa uye kugoverwa vasati vatambira. Uye tsika iyo inoratidza nenzira dzakasiyana-siyana dzekugamuchira kurapwa. Semuenzaniso, zviuru zvemakore hazvina zvishoma zvingaenda kune chiremba wokutanga wekuchengetedza kwekutarisirwa, kwete kusarudza makiriniki ekutengesa, nzvimbo dzinokurumidza kuchengetedza, kana makamuri ekukurumidzira.
Uye ivo vanogonawo kutamba kuchengetedza zvakakwana: Maererano nekutsvakurudza kubva kuTransamerica Center for Health Studies (TCHS), inenge hafu yemakumi ezviuru zvemakore dzakaderedza mari yekuchengetedza hutano kuburikidza nekudarika, kuchereka, kana kumira kutarisira, pane kuedza kugadzirisa zvinetso zvehutano pa ivo pachavo.
Uye nokuti chizvarwa chino chinopedza kurapa zvakasiyana, vanofanirwawo kufungisisa kwenguva refu uye zvakaoma pamusoro pekuti vanosarudza sei hutano hwavo hwehutano.
Saka kana iwe uri mireniyadhi, iwe unofanira kutanga nokutarisa kumashure pagore risati rasvika kuti uwane pfungwa yekushandiswa kwako kwawakaita: Wakaenda kangani kuna chiremba, kuchipatara, kuenda kuE ER? Wanga uchida kuenda kangani, asi kwete nekuda kwemari? Iwe wakashandisa mari yakawanda sei pamishonga yemishonga, uye pane here iwe waunotora nguva dzose? Pane here zvimwe zvido zvehutano kana mamiriro ezvinhu ari pamusoro pemafungiro-zvichida iwe uri kufunga nezvekutora pamuviri, kana kuwana chirwere chepachiviri chetsika dzako?
Kana wangove wapedza kuzviongorora, tarira ndizvo zvaunoda kuita.
Ziva Izwi Rinozivikanwa
"Chinhu chikuru kune vane zviuru zvemakore-kunyanya vatengesi venguva yokutanga vachishamiswa nemubereki wavo-vanonyatsonzwisisa pfungwa dzinokosha dzinotora mari," anodaro Jennifer Fitzgerald, CEO uye mubatanidzwa wePolitikiGenius, inzvimbo yakazvimirira yekutengesa inshuwarisi yepamusoro.
"Utano hwakakosha hwakaoma ... iyo yaunobhadhara iwe haisi iyo nyaya yose." Unoda kunzwisisa kusiyana kwepakati pakati pezvikwereti zvakakosha (pamwe pamwe neHSAs) nePPOs . Zvakakoshawo kuti uwane ma copays (mafashoni akavharidzirwa iwe unobhadhara mabasa, sekugadza nemishonga) uye coinsurance (a yezana yebhadharo yemabasa ari kubhadhara iwe, kazhinji mushure mekunge uchinge wawana deductible yako). Izvo zvinoenda kune zvikwereti, zvinodhakwa uye kunze kwe-pocket maximums.
Isa Bhijidhi Yako uye Kuenzanisa-Shop
Sezvakaitwa nemari ipi zvayo, kuverenga kuti iwe unokwanisa kubhadhara sei mwedzi mumwe nomumwe-uye zvibvunze kuti iwe unoda kubhadhara zvakadini. Nokuda kwekunyora kwekuvhura kwakasununguka, mwedzi yemwedzi miriyoni 18-24 inosvika $ 219, maererano neEHealth, purogiramu yehutano yehutano yehutano pahutano; kwemakore 25-34, iri $ 288.
Kazhinji kutaura, "Kana iwe uine hutano hwakanaka iye zvino uye usina nzira yemberi yemberi yakarongeka, zvino enda kune imwe yakaderedza," anodaro Fitzgerald. "Kana zvisingaiti, endai kunzvimbo yakaderera yakabviswa." Uye pasinei nokuti iwe unowira papi yemakore ane chiuru chemakore, tarisa kushingaira kwako pakuwana mutengo wakanakisisa nekuenzanidza kutenga zvese zvaunogona kuwana, anodaro Hector De La Torre, mukuru mukuru weTCHS.
Mune mamwe mazwi, nekuda kwekuti iwe unogona kuva purogiramu yemubereki wako kusvikira makore 26, hazvirevi kuti ndiyo ndiyo nzira yakanakisisa inowanikwa kwauri.
Kunzwisisa kuti Pre-26 uye Post-26 Ndizvo zvakasiyana
Kana uri pasi pemakumi maviri nemakumi matatu, kuramba uri pamurongwa wemubereki wako kungave kusina kudarika kuchinja kune waunoshandira. Kana uri mujijiji, zvingave zvisingabhadhari kusarudza chirongwa chako chehupenyu hwevadzidzi (zvikoro zvakawanda zvegore mana zvine rimwe). Asi aya ndiwo maitiro: Hamuzozivi kunze kwekuti iwe uchitamba nhamba. Mushure mekunge mava nemakore makumi maviri nemasere, une mazuva makumi matanhatu kuti uwane hupfumi hunovhara kana uchiri muurongwa hwemubereki wako. Kazhinji, kana waunoshandira achipa imwe, iyo ichava iyo yakagadzirisa mari yakawanda. Asi vamwe vashandi vari kupfuura mari yakawanda kuvashandi, kuti iwe unogona kuita zviri nani pane chirongwa chemukaro wako (kana iwe uchikwanisa kuwana imwe) kana nokuzvitenga pachako.
Ingoziva chete kuti kana waunoshandira achipa hutano inshuwarisi, hauna kukodzera kubhadharwa mari yekutengeserana, uye iwe unofanira kubhadhara mutengo weziti. Uye kana iwe usina mushandi-based based coverage, ipapo shanduro inogona kuva yako yekutanga-uye iwe unogona kuenzanisa neyendabuko yemusika yemusika (kuburikidza nemutengesi kana kambani isina kunze kwekutsinhanisa se eHealth.com).
Tsvaga Kunakidzwa
Mireniyoni anofarira nokukurumidza nekuita zvakanaka, anodaro Robin Gelburd, purezidhendi we FAIR Health, sangano risingaiti purofiti rinotsvaka kuve pachena mune zvehutano mari. Pakati pezvisingabvumirwi mabasa (kureva nzvimbo dzakasununguka kana kushanda kunze kwekugara "9-kusvika-5") uye kushayikwa kwekusimba kana kuchengetedza ukama hwepedyo navanachiremba vokutanga, vanoti chiitiko chekutendera makiriniki ekutengesa, kutarisira kwakanyanya uye makamuri ekukurumidzira hazvishamisi. Kana iwe ukashanyira zvivako izvi kazhinji-kana kuenda kwavari ndezvaunofarira-zvino tarisa zvirongwa zvinodzifukidza. Uyezve tarisa zvirongwa zvinopa fomu ye telemedicine, kana magetsi ekukurukurirana (kuburikidza nefoni, email uye webcam) pamwe navanachiremba pamusana pemamiriro ezvinhu ekukurumidzira (fungidzira kutonhora, futi, rashes, nezvimwewo). Pamusana pevheji ye $ 40-50, unogona kuona chiremba-uye kunyange kutora mishonga yakanyorwa-kubva kunyaradzo yeimba yako kana yehofisi. Vatungamiri vashomanana vehurumende vanosanganisira Teladoc, Doctor on Demand uye America Well.
Chinhu Muzvinyorwa
Saizvozvowo, kutarisirwa kwekukurumidza junkies inofanira kuisa pfungwa pamitemo. Kubva pane mari yakajeka, kunzwisisa kuti iwe unogona kuchengetedza chinhu chikuru chekushandura kana mitemo yaunotora nguva dzose iri pane formulary yeurongwa hwako (ndiko kuti, iyo yakafukidzirwa). Formularies haishanduki zvose zvinowanzoitika, saka kuisa iyo muchisarudzo chako kuchenjera, "anodaro Fitzgerald. Asi, sezvo Nate Purpura weHeHealth inotsanangura, iwe unofanirwawo kunzwisisa kuti kune zvikamu zviviri kubva muzvitatu zvemakambani emishonga yemishonga inshuwarano yehutano haufaniri kuvhara mishonga yako yemishonga kusvikira mushure mokutora kuderedza kwako. Nokudaro, kana uri kushandisa mari inodarika $ 50 pamwedzi pamitemo, zvakakosha kutarisa muzvirongwa zvine zviduku zvakaderedza.
Zvakare, kana uri kutengesa mari yepamwedzi yepamwedzi, iwe unogona kuendeswa neBronze kana Dambudziko pamakwikwi. Asi nemirairo inodhura mupfungwa, iwe kazhinji unofanirwa kubhadhara chirongwa cheSirivha kuti uite zvishoma kana zvakakwana.
Chero Zvaunoita, Usapinda Pasina
Usafunga kuti sarudzo shoma yehutano inshuwarisi haisi kuenda nayo. Pasi pemutengo wekutengesa Care Act, kubvarura utano hwehutano hwehutano hunoreva kuve nekunaka kwakanyanya: Mari yekushaya inshuwarisi yehutano muna 2016 yaiva $ 695, kana kuti 2.5 kubva muzana yemari yako, chero yakange yakakwirira. Uye iyo chirango chakakosha-cheta chichagadziriswa nokuda kwekutsvaga kwegore ra2017. Kunyange zvazvo Trump inotungamirira ichinge ichimutsa kuparadza hutano hwehutano hwehutano pamwe nevose veObamacare, nokuti ikozvino chirango chinoramba chiri panzvimbo.
Uye kune zvimwe zvinetso zvezvemari kubva pakuenda pasina inshuwarisi. Kuzvipira hutano hwako kuchengetedza mari ikozvino kunogona kutungamirira kumatambudziko makuru, pamwe nematombo makuru emitengo, pasi pemugwagwa. Semuenzaniso, kana iwe usingateereri mhete uye $ 170 zvingadhura kuzadza nhasi, iwe uri kuzviisa pangozi yezera remvura rinotevera, iro rinogona kukukwira kusvika kuma $ 1 000. Uye apo iwe unogona kunzwa uine utano hwakanaka uye husingawanikwi mumakore ako makumi maviri, uzive kuti chirwere chinotyisa kana kukuvara kunogona kuitika kuna ani zvake-uye kana zvikaitika kana iwe usina inshuwarisi, iwe unomira mukana wekupedza mari yako uye kupinda mukatikati mune chikwereti chechiremba .
Ndiina Kelly Hultgren