Zvaunoda uye Hauzomboregi Kana Obamacare Inodzokorora
Chinangwa chikuru cheAACA ndechokuderedza mari yekuchengetwa kwehutano nenguva. Congress inotora kuti mari yeMedare, Medicaid, uye yehutano yehutano inobatsira iri kudya zvokudya zvehurumende.
Ndicho chikonzero vakabvumirana kuti kuchinja hutano kwaive chinhu chinokosha. Mutungamiri Donald Trump chirongwa chekushandura Obamacare ine mazano akasiyana ekuderedza mari.
IAACA inoderedza mari munzira nhatu.
- Inoita inshuwarano yehutano inobhadharwa nekupa rubatsiro. Trumpcare inochinja izvi.
- Inosimbisa kuchengetedzwa kwekudzivirira. Trumpcare inochinja zvimwe zveizvi.
- Iyo inovandudza kuti kutarisira kwehutano pachako kunopiwa sei. Trumpcare haina kuchinja izvi.
Maitiro matatu eObamacare anoreva kuti vanhu vakawanda vanogona kuwana mishonga vasati vawana mari inodhura yekuchengetedza mumba.
Sei izvi zvichikosha? Zuva riri muchipatara rinodhura pakati pe $ 2,000 kusvika ku $ 20,000. Vanhu vakawanda vanofunga kuti inshuwarisi yavo inopa zvakawanda zveizvi. Vamwe vangave vasati vakagadzirira kubhadhara chikwereti chakakosha. Asi pamberi peAACA, vanogonawo kugumburwa nemumwe mubhadharo. Vakawanda vakaona kuti zvirongwa zvavo zvaive nechepasi. Vaiva nechepamusoro pemari ipi zvayo kupfuura iyo. Ndiyo imwe chikonzero nei kuchengetwa kwehutano kwakava Nha. 1 kukonzera kubhadhara .
Pane imwe nguva murwere akarondedzera kubhadhara, chipatara chacho chaifanira kuzivisa kurashikirwa pane chero kurapa kusina kubhadharwa. Kuti vaite purogiramu, vakapedza mari iyi kune vamwe vose.
Obamacare yakaderedza nhamba ye bankruptcy filings. Muna 2010, 1.5 mamiriyoni vanhu vakaiswa. Izvozvo zvakaderera kusvika ku770 846 muna 2016. ACA yakamanikidza makambani einishuwarenzi kubhadhara mari yose nekubvisa mitemo yegore negore uye yeupenyu.
Izvozvo
Sangano reObamacare riri kushanda kuti kuderedze kuwedzera kwemari yeutano. Pakati pe1990 na2008, kushandiswa kwehutano kwakasimuka 7.2 kubva pagore. Mushure mekunge kugoverana kwavhurwa muna 2014, kushandiswa kwehutano hwakasimuka zvishoma nezvishoma. Yakakura 5.3 muzana muna 2014 uye 5.8 muzana muna 2015.
Ichi ndicho chikonzero nei ACA inogona kuderedza kukanganisa ne $ 143 mabhiriyoni pamakore gumi ekutanga. Mukuwedzera pakuderedza mari yehutano. Izvo zvakare zvakashandura mari inorema kune vanopa utano uye makambani emishonga. Pakupedzisira asi kwete, yakasimudza mutero kune avo vanowana mari inodarika $ 200,000 pagore. Mitero iyo ichaderedzwa pasi peTrumpcare. Ndokusaka kubviswa kwaObacacare kuchawedzera chikwereti.
Ita Inishuwarenzi isingakwanisi
IAACA inopa mvumo yemitero yehushuwarenzi kusvika pakati pepakati (pasi pe400 muzana yehurombo huri). Izvo zvinokonzera mari-ye-pocket zvinokwana madhora 7,150 kune chirongwa chega uye $ 14,300 nokuda kweurongwa hwemhuri muna 2017. Inowedzera Medicaid kusvika 138 muzana ye federal paurombo huno uye inopa huwandu kune vanhu vakuru vasina vana kwekutanga. Trumpcare inopedza kuwedzera kwa2020.
Muna 2014, zviti zvaitarisirwa kugadzirisa kushandiswa kwehushuwarisi kana kushandisa sangano rehurumende shanduro kuti zvive nyore kutengesa zvirongwa zve inshuwarisi.
Unogona kuvashandisa kuenzanisa mutengo uye kutenga utano hwehutano inshuwarheni. Unogonawo kuenzanisa vanachiremba, zvipatara nevamwe vanopa nzvimbo munharaunda yako. Vanopawo nzvimbo dzomunharaunda-chiso-ne-chiso rubatsiro pakutsvaga inshuwarisi. Iva nechokwadi chekuti unoziva sei kuwana Obamacare . Gore negore, nguva yekunyora inotanga musi waNovember 1 .
Muna 2010, vabereki vakabvumirwa kuwedzera vana vavo kusvika pazera remakumi maviri nemaviri pamagariro avo. Izvo zvinoderedza zvinodhura kune mumwe munhu wese nekuwedzera ma-premiums kubva kuvanhu ava vane utano kune inshuwarisi yekambani yemari. Trumpcare yakachengetedza chinhu chinozivikanwa.
IAACA inopedza Medicare Part D " gomba rekushandisa " muna 2020. Kubatsirwa uku kwakapedzerwa munguva inopfuura . Yakapa vakwegura zvikamu makumi mashanu kubva kuzana kubva kuzana kubva muzana pamishonga yemishonga (42 kubva muzana yemagetsi) muna 2016. Mari iyoyo inowedzera kusvikira ivo vachibhadhara 25 muzana muna 2010.
Mabhizimisi ane vanopfuura 50 vashandi vanofanira kupa hutano inshuwarisi. Mabhizimisi maduku anotora chikwereti chemitero chakakosha kusvika kusvika 35 kubva muzana yezvavanopa kune vashandi vehutano yehutano. Zvisizvo zvinogamuchira 25 muzana chikwereti. Vashandi vanogadziriswa zvinyorwa zvayo, uye zuva remazuva makumi matanhatu rekuona kana chimwe chinhu chichishandura pakugovera kwavo.
Zvirongwa zvemashamba maduku zvinofanira kuvhara zvikwereti zvehutano zvakakosha nekuderedza zvishoma (pakutanga $ 2,000 mumwe nomumwe, $ 4,000 mhuri). Asi kune munhu mumwe nomumwe, Obamacare inodhura chimwe chinhu chakasiyana .
Simbisa Kudzivirira
IAACA inowedzera kudhura mari inoda kuti mapurogiramu ese yveshuwarisi apikidze mari 10 inokosha yehutano . Zvakawanda zvacho ndezvokuchengetedza kwekudzivirira kunofanira kupiwa pasina mari. Izvi zvinosanganisira zvakanaka-kushanyira mukadzi, kurwisana nechisimba mumba uye kurwara kwenguva refu. Inobatanidzawo miedzo yekuongorora zvirwere, kusanganisira mammograms uye colonoscopies. Mukuwedzera, kutarisira kuberekwa uye kuberekwa patsva, uye mazino uye maonero ekutarisira vana ipo pasina. Amai vanogamuchira nguva kubva kubasa uye muimba yega yega kuti vanwe vana vavo / mukaka wavanotaura. Kuchengetedza kuchengetedza kunodhura zvinodhura nekuziva nekurapa zvirwere vasati vava pangozi.
Izvi zvinosanganisira kurapa kwehutano hwepfungwa, kupindwa muropa uye zvirwere zvisingaperi. Ava varwere vanogona kunge vari mari inoshandiswa kurapa, ndicho chikonzero makambani einishuwarenzi anoedza kudzivisa kuvhara. Kana isina kusiya, vazhinji vakaguma vasina pokugara kana mujeri, izvo zvinoita kuti hurumende iwedzere. Nemhaka yekuti inodhura, mushonga uyu ungangodaro wapera pasi peTrumpcare.
IAACA inosanganisira mabasa nemichina yekubatsira vanhu vane kukuvadzwa, kuremara kana mamiriro ezvinhu asingagumi. Inobatanidza zvimwe zvinodhaka zvinodhaka. Zvechokwadi, tsika yemainishuwarenzi inotarisirwa, yakadai sedzimba yepamhanho, hospitalisation uye kunze kwekuchengetedzwa, inowanikwawo.
Trumpcare inobvumira nyika kuti isarudze zvipi zvingakubatsira. Mapurogiramu ehutano ehutano hwehutano anobvumirwa kusarudza hurongwa hwehupfumi hwehurumende. Zvizhinji zvezvirongwa zvehurumende zvingangodaro zvisingasviki kuhurumende uye zvishoma nezvishoma kugoverwa. Izvozvo zvinoreva kuti Trumpcare inogona kuderedza kugoverwa kwevanhu vose, kwete chete avo vezvikwata zveOmbamacare.
Imwe nzira iyo ACA inopa hutano hwekuchengetedza ndeyokubvisa mararamiro eupenyu uye gore negore. Iko kunobatsira avo vane mamiriro ezvinhu asingagumi kuwana hutachiwana hunokwana kurapa kurapwa. Iyi mambure ekuchengeteka inokosha kune vane simba uye vana vane matambudziko emwoyo kana kenza. Izvi zvingave zvichibviswa.
Obamacare inodzivirira makambani einishuwarenzi kubva pakuramba hurumende nokuti iwe, kana kuwana, utano hwehutano. Izvozvo zvinozivikanwa sehutano hwakagara huripo, uye hwakachengetedza mamiriyoni kubva pakugoverana. Makampuni haakwanisi kuderedza kugoverwa kwako nokuti wakaita chikanganiso pamushandisi wako, kana kuti wakapinda muchirwere chekliniki kune kenza kana zvimwe zvirwere zvinotyisa. Zvirongwa hazvikwanise kukuita iwe kumirira kwemazuva masere makumi mapfumbamwe asati anotanga kutanga. Iwe unogona kubvunzurudza kushorwa kwemhosva kana zvimwe zvisarudzo zvehutano hwehutano kuburikidza nehurumende yako. Trumpcare yakachengetedza chikamu cheAACA.
IAACA inoda kuti makambani einishuwarenzi ashandise 85 kubva muzana yemari inotambirwa madhora akawanda nokuda kwemazano makuru evashandi pamabasa ekurapa kwehutano nekuvandudzwa kwehutano Izvozvo zvinodonha kusvika kuzana makumi mapfumbamwe kubva muzana zvezvirongwa zvinotengeswa kune vanhu uye vaduku vashandi. Kana bhizimisi vasingakwanisi kuzadzisa zvinangwa izvi, nokuti mari dzavo dzekutarisira kana zvikwereti zvakanyanya kwazvo, vanofanira kutumira zvishandiso kumashure. Iwe unogona kunge wakatove wakagamuchira, uye hauna kuziva kuti ndeyekuda kweBobamacare. Iyi chikamu chemutemo pamwe hachizobviswa.
IAACA inopomera National Prevention Council kuti iongorore hutano hwehutano hwehurumende yekusimudzira mararamiro anoshanda, asingashandisi zvinodhaka. Inowedzera $ 15 mabhiriyoni kuChuviriro neWorld Health Fund kuisa mari muzvirongwa zvehutano hwehutano, kubva pakurega kusvuta kusvika pakurwisa kuneta. Iyi chikamu chemutemo hachizoshandurwi, asi mari iyo inogona kuderedzwa.
Kuvandudza Nzira Iyo Utano Hwezvako pachahwo Hunobudiswa
IAACA yakaita kuti Medicare ichinje kuti inobhadhara sei vanachiremba uye zvipatara. Yaiwanzobhadhara kuedza kwose uye nzira yaunowana. Ichashandura kune imwe nzira iyo inoshandiswa kubhadhara mari yaunowana. Iko inokurudzira zvipatara, vanachiremba nevasimusi kuti vashande pamwe chete nenzira yakakwana. Kusvika ikozvino, idzi dzinonzi Bhuku Rinochengetedza Rakabatanidzwa rakaita zviratidzo zvikuru. IAACA inokurudzira zvakawanda kwavari. Sezvo izvi zviri pasi peMedarere, hazvigoni kubviswa neTrumpcare.
Iwe unogona kunge waifunga kuti chiremba wako wekuchiremba wekutarisira ave atorongedza kutarisira kwaunogamuchira kubva kushanyira kuchipatara, nyanzvi uye kuongororwa. Asi iyo yekare yekare haina kubhadharira zvakawanda pakuita izvozvo. Vanachiremba nhasi vanofanira kufungisisa nezvezvinhu zvinoita mari. Izvozvo zvinoreva kuti kunyange tsika dzakanakisisa dzisingakwanise kurongedza kuchengetedza.
IAACA inoshanda nemitemo yakatarwa kuti ione kuti zvese zvinyorwa zvezvechiremba zvinowanikwa pamakombiyuta kuitira kuti zvigone kuendeswa kumagetsi. Iwe zvichida wakafunga kuti zvakare zvakaitika, asi marekodhi ezvokurapa ave akachengetwa pamakopi emapepa. Izvozvo zvaireva kuti mitsva yekuedzwa yaifanira kutumirwa kana faxed. IAACA iri kushanda kune imwe nzira inochengetedza imwe rekodhi rekombiyuta. Izvo zvichaita kuti vanachiremba vako vose vagovana maitiro avo uye zvirwere pamwe chete nemashoko ako e-clerical uye ekubhadhara. Kana ikamboshandiswa, zvinyorwa zvemagetsi zvicharamba zvichideredza mari yekuchengetedza utano.
Ndicho chigadziro chikuru. Heino urongwa hwezvimwe zvikomborero.
- IAACA inoda nyika kuti ive nechokwadi chekuti Medicaid iyo madhodhi ekubhadhara vanachiremba haisi pasi pekubhadharwa kwemari yeMedare. Inobhadhara zvidzidzo uye zvikwereti kuwedzera kaviri nhamba yevashandi vehutano mumakore mashanu. Inowedzera mari yekukwevera vanachiremba kusvika 68 muzana yemagariro asina kuchengetedzwa munharaunda mumaruwa.
- Obamacare inotanga imwe yeCentral for Medicare & Medicaid Innovation kuumba sarudzo yenyika yekuvandudza utano hwehutano nekuderedza mari. Inogadzira Independent Payment Advisory Board kuudza Congress nezvekuwedzera kwahupenyu hweMedare Trust Fund. Bhodi rinotarisa dhaka mumutambo. Ichakurudzira nzira dzokuderedza mari, kuvandudza zvido zvehutano uye kuwedzere ruzivo rwekutarisira kwakanaka.
- IAACA inoshorawo uroyi hwechiremba. Inopa $ 250 mamiriyoni kuti ataure kuti inopedzisira yanyanyisa inishuwarenzi yepamusoro. Inodawo kutarisa kumashure kwevashandi vese vanochengetedza vakwegura, kudzivirira kushatiswa kwevakuru. Obamacare inogadzira Chekutanga Chokutanga Chokusarudza. Inokurudzira nyika kuti ipe hutano hwemusha uye hwemunharaunda kune vanhu vanorwisana nemweya kuburikidza neMedicaid. Izvozvo zvinoderedza zvinodhura nekuzvichengeta kubva kunze kwemisha yevanamukoti.
Kunewo matambudziko gumi eObamacare .
Zvimwe paObamacare
Pros uye Cons | Chinoshanda sei? | Obamacare Summary | Chii chiri mu ACA Bill
Kuti uone kuti uri kuwana zvose zvako zvekubatsira kwako, ona bhuku rangu rinonzi The Ultimate Obamacare Handbook (2015 - 2016) .