Ukukhethwa okubi emshuwalense wezempilo kwenzeka lapho abantu abagulayo, noma labo ababeka ingozi enkulu kumshuwalense, bathengise umshuwalense wezempilo ngenkathi abantu abanempilo bengayithengi. Ukukhetha okungahle kwenzeke futhi uma abantu abagulayo bethenga umshwalense wezempilo noma izinhlelo eziningi zempilo ezinamandla ngenkathi abantu abanempilo bethenga ukufakwa kancane.
Ukukhethwa okubi kubeka umshuwalense engozini enkulu yokulahlekelwa imali ngokusebenzisa izimangalo kunalokho okubikezelwe.
Uma ukukhethwa okubi kungavunyelwe ukuqhubeka kungahloliwe, izinkampani zomshuwalense wezempilo ngeke zizuze futhi ekugcineni ziphume ibhizinisi.
Ukukhethwa Okubi Okusebenzayo
Nasi isibonelo esilula kakhulu. Ake sithi inkampani yomshuwalense wezempilo yayithengisa ubulungu bezinhlelo zezempilo nge $ 500 ngenyanga. Amadoda enempilo eneminyaka engu-20 angase abheke leyo premium yenyanga futhi acabange, "Heck, uma ngihlala ngingaqinisekisiwe , cishe ngeke ngisebenzise u-$ 500 unyaka wonke ekunakekelweni kwezempilo. Angiyikuchitha imali yami kuma-premium ama-$ 500 ngenyanga uma ithuba lokuthi ngizodinga ukuhlinzwa noma inqubo yokunakekelwa kwezempilo ebiza kakhulu. "
Phakathi naleso sikhathi, uneminyaka engu-64 ubudala obesifo sikashukela esinesifo senhliziyo cishe ubheka i-premium ye-$ 500 ngenyanga futhi ucabange, "Wow, kuphela ama-dollar ayi-500 kuphela ngenyanga, le nkampani yomshuwalense wezempilo izokhokha inqwaba yezinyathelo zami zokunakekelwa kwempilo ngonyaka. ! Ngisho nangemva kokukhokha i- deductible , le nshuwalense isasebenza kakhulu.
Ngithenga! "
Lokhu kukhethwa okumbi kubangela ubulungu bepulani lwezempilo oluhlanganisa ikakhulu abantu abanezinkinga zempilo abacabanga ukuthi cishe bazochitha ngaphezulu kuka-$ 500 ngenyanga uma kufanele bakhokhele izikweletu zabo zokunakekelwa kwempilo. Ngenxa yokuthi uhlelo lwezempilo luthatha kuphela ama-dollar angu-500 ngenyanga ngelungu ngalinye kodwa likhokha imali engaphezu kwama-$ 500 ngenyanga ngelungu ngalinye kumangalo, uhlelo lwezempilo lulahlekelwa yimali.
Uma inkampani yomshuwalense wezempilo engenzi lutho ukuvimbela lokhu kukhethwa okubi, ekugcineni kuyolahlekelwa imali eningi ngeke ukwazi ukuqhubeka nokukhokha izimangalo.
Indlela Izinhlelo Zempilo Ezivimbela Ukukhethwa Okubi
Kunezindlela eziningana izinkampani zomshuwalense wezempilo ezingagwema noma zidikibe ukukhethwa okubi. Kodwa-ke, imithethonqubo kahulumeni ivimbela ababheki bezempilo ukuba basebenzise ezinye zalezi zindlela futhi banciphise ukusetshenziswa kwezinye izindlela.
Emakethe yomshuwalense wempilo engalawulwa , izinkampani zomshuwalense wezempilo zingasebenzisa ukubhala phansi ukuze uzame ukugwema ukhetho olubi. Phakathi nenqubo yokubhala phansi, umlobi wezincwadi ezihlola umlando uhlola umlando wesidakamizwa womfakisicelo, izibalo zabantu, izimangalo zangaphambili, nokukhetha kokuphila. Izama ukuthola ukuthi ingabe umshwalense uzobhekana nobungozi ngokuqinisekisa umuntu ofaka isicelo senqubomgomo yomshwalense wezempilo.
Umshuwalense angase anqume ukuthi angathengisi umshuwalense wezempilo kumuntu obangela ingozi enkulu noma ukukhokha imali yepayumamu ephakeme kakhulu kunomuntu oshayisana nomuntu ongase abe nezicelo ezimbalwa. Ukwengeza, inkampani yomshuwalense wezempilo inganciphisa ingozi ngokubeka umkhawulo waminyaka yonke noma wokuphila ngokulingana kokuhlinzekwa komuntu othile, ngokungabandakanyi izimo ezikhona ngaphambi kokubhalwa, noma ngokungabandakanyi izinhlobo ezithile zemikhiqizo yokunakekelwa kwempilo ephezulu noma amasevisi kusuka ekubukeni.
E-United States, izinkampani zomshuwalense wezempilo azivunyelwe ukusebenzisa eziningi zalezi zindlela. Umthetho Wokunakekelwa Onganakekelwayo
- ivimbela abaqinisekisi bempilo ekwenzeni ukuthengisa umshuwalense wezempilo kubantu abanezimo ezikhona ngaphambili.
- inqabela abakwa-inshurensi ukuthi bangashaja abantu abanezimo ezandulele kunalokho okukhokhisa abantu abanempilo.
- inqabela izinhlelo zezempilo ekuqaliseni izinzuzo zaminyaka yonke noma zokuphila.
- kudinga izinhlelo zezempilo ukumboza isethi efanayo yezinzuzo zezempilo ezibalulekile; izinhlelo zezempilo azikwazi ukubeka eceleni izinsizakalo ezithile zokunakekelwa kwezempilo ezibizayo noma imikhiqizo evela ekufundisweni.
- ngokuyisisekelo kuqeda ukubhaliswa kwemishwalense yempilo enkulu (nakuba isandla sokubhalisa sisavunyelwe umshwalense wezempilo wesikhashana kanye nomshuwalense wokunakekelwa isikhathi eside .)
Nakuba uMthetho Wokunakekelwa Onganakekelwayo ususe amathuluzi amaningi e-insurerrs ezempilo asetshenziselwa ukuvimbela ukhetho olubi, lwakhiwe ezinye izindlela zokusiza ukuvimbela ukukhetha okungahlosiwe okungahlosiwe.
- Kudinga zonke izakhamuzi zomthetho zase-US ukuba zibe nomshuwalense wezempilo noma ukhokhe intela yentela . Lokhu kukhuthaza abantu abancane, abanempilo abangase balingeke ukuba basindise imali ngokuhamba ngaphandle komshuwalense wezempilo ukuze babhalise ohlelweni lwezempilo. Uma bengabhalisi, bakhokhela inhlawulo enkulu yentela.
- Inikeza izinsizakalo zokusiza labo abanemali elinganiselayo bathengise umshuwalense wezempilo emakethe yomshuwalense wezempilo ngakho-ke kungenzeka ukuthi bangenele ohlelweni lwezempilo.
- Ibeka imikhawulo lapho abantu bevunyelwe ukubhalisa ohlelweni lwezempilo ukuze abantu bangakwazi ukulinda ukuthenga umshuwalense wezempilo baze bagule futhi bazi ukuthi bazoba nezindleko zokunakekelwa kwezempilo. Abantu bavunyelwe ukuba babhalisele umshwalense wezempilo ngesikhathi sokubhalisa ngonyaka ovulekile , noma ngesikhathi sokubhalisa esikhethekile esikhawulwa isikhathi esithile esabangelwa imicimbi ethile yempilo njengokulahlekelwa ngumshuwalense wempilo esekelwe emisebenzini , ukushada noma ukuhlukaniswa, noma ukuphuma indawo.
- Ivumela isikhathi esifushane sokulinda phakathi nesikhathi umuntu ebhalisa emshuwalense wezempilo kanye nokuqala kwesikhathi sokuqala.
- Ivumela ama-insurers ezempilo ukuba akhokhise ababhemayo kuze kufike kuma-premium angu-50% aphezulu kunabangewokubhema.
- Ivumela abahlinzeki bezempilo ukuba bakhokhele abantu asebekhulile izikhathi ezingaphezu kwezingaphezu kuka-3 kunalokho okukhokhisa abantu abasha kusukela abantu asebekhulile bevame ukuba nezindleko zezokwelapha ngaphezulu kunabantu abasebasha, ngakho-ke bafaka ingozi ephezulu kumshuwalense.
- Yakha amaphepha afanayo afana nokubaluleka kwe-actuarial value , evumela abakwa-inshurensi ukuba bakhokhise ngaphezulu izinhlelo zempilo ngenani eliphakeme le-actuarial. Izinhlelo zePlatinum zibiza ngaphezu kwezinhlelo zethusi , ngakho abathengi abafuna ukutholakala okunamandla okuhlinzekwe yi-plan platinum kumele bakhokhe ngaphezulu ukuze bawuthole.
Imithombo:
Izinkinga ezikhethiwe zokukhethwa kanye nokushintshaniswa komshuwalense wezempilo ngaphansi komthetho wokunakekelwa okunganakekelwa . I-National Association of Commissioners Insurance.
Indlela Amakethe Ema Marketplace Abeka ngayo Amaphrimiyamu Omshuwalense Wezempilo. HealthCare.gov