Nakuba isilinganiso sama-American esaba ukwesatshiswa kwezempilo, iningi labantu baseMelika abazi ukuthi ukuhanjiswa kwezempilo sekuye kwahlala ngokuthula e-United States iminyaka eminingi. Lokhu akuyona into entsha, okulethwe yi- Care Act engabizi . Akuwona umphumela we- Obamacare . Akusilo isiluleko esivulekile sokusikhohlisela ekukhethweni kwemithi yomphakathi noma ukuhlanganisa yonke indawo .
Ngokuphambene nalokho, ubuholi be-capitalist buye buthule futhi bukhohlisa u-United States endleleni yokunakekelwa kwezempilo.
Indlela i-Capitalism ikhuthaze ngayo ukugqugquzela ukunakekelwa kwempilo e-US?
Njengoba izindleko zokunakekelwa kwezempilo e-US zanda, izindleko zokuhlinzeka umshuwalense wezempilo kubasebenzi nemikhaya yazo zaba nzima kumabhizinisi ase-US. Ngisho nohulumeni waseHulumeni wazizwa ukuthi izindleko zokunakekelwa kwempilo ezandayo njengoba zenza ukwanda kwemali yeMedare.
Amabhizinisi ayefuna isisebenzi semali yomshuwalense wezempilo engabizi kakhulu. Izinkampani zomshuwalense wezempilo zitholwa ngenjongo yokugcwalisa isidingo somshuwalense wezempilo ogcine izindleko zezempilo ekuhloleni ngenkathi ehambisa ukunakekelwa kwekhwalithi. Abanakekeli bezeMpilo basebenzisa amasu amaningana okulawula izindleko, ukudala uhlobo olusha lwemikhiqizo yomshuwalense wezempilo kanye nezindlela zokweluleka kwezempilo ezibizwa ngokubambisana njengokwengamela okuphethwe .
Umqondo wukuthi, ngokuphatha ukunakekelwa okunikeziwe, umshwalense uzobe ephethe izindleko zokunakekelwa.
Uma ngabe umshwalense angakwazi ukugcina izindleko zokuhlinzeka ngempilo, angayithengisa umkhiqizo womshuwalense wezempilo ngentengo ephansi kunomncintiswano. Ama-insurers akwazi ukunikela nge-quality assurance inshuwalense yezempilo ezingeni eliphezulu ze- premium .
Abathengi (kulokhu, amabhizinisi, uhulumeni, kanye nezakhamizi ngabanye) bafuna umkhiqizo ngamanani afanelekayo.
Izinkampanhla zempilo yomshuwalense waseMelika ziphendule ngemisha kanye nokuncintisana Lokho kuyi-capitalism esenzweni. Kodwa, izindlela ezintsha ezintsha zomshuwalense wezempilo ezisetshenziselwa ukugcina izindleko ekuhloliseni zibeka ngokuthula izinkambiso zokunakekelwa kwezempilo empilweni enkulu yezempilo yase-United States.
Ukuthi Ukulinganisa Kwezempilo Kukuthinta Kanjani
Abantu abaningi abaqinisekisiwe e-United States banesimiso sokunakekelwa sokunakekelwa okuphethwe njenge- HMO , EPO , noma i- PPO , ngakho-ke abantu abaningi baye babhekana nesimo sokulinganiswa. Ukunakekelwa kwezempilo kwe-United States akuyona into ecacile ethi "Cha, awuvunyelwe ukuba nale nsizakalo yokunakekelwa kwezempilo." Esikhundleni salokho, ukuhanjiswa kwezempilo kwe-US kuyinkimbinkimbi futhi kuvame ukufaka kwelinye lamafomu amabili:
- Ukunciphisa ukufinyelela kwezinye izinhlobo zokunakekelwa kwezempilo noma abahlinzeki bezempilo .
- Ukwandisa izithiyo zokunakekelwa kwezempilo ukuze kudambise ukusetshenziswa okunamandla, ukunakekelwa okubizayo, noma ukunakekelwa okungekho isidingo sempilo .
Izibonelo zendlela ukunakekelwa kwezempilo kunikezwa ngayo e-US ngokunciphisa ukufinyelela kwezinye izinhlobo zokunakekela noma abahlinzeki kubandakanya:
- Izidingo zangaphambi kokugunyazwa . Kulesi simo, umshwalense wakho wempilo uzolahla ukukhokhela ukunakekelwa kwezempilo uma ungatholi imvume yemshuwalense wezempilo ngaphambi kokunakekelwa. Le nqubo ivame kuma-PPOs.
- Kudinga ukudluliselwa kudokotela wakho wokunakekela oyinhloko ngaphambi kokubona ochwepheshe. Kulesi simo, umshuwalense wakho wezempilo uzolahla ukukhokhisa umthethosivivinywa ochwepheshe uma i-PCP yakho ingazange ikudlulisele ochwepheshe. Lokhu kuvamile kuma-HMO.
- Imithi yokufakela izidakamizwa . Izinhlelo eziningi zokunakekelwa kwezempilo ezithintekayo zivimbela ukufakwa kuhlu ohlwini lwemithi ethile. Uma udokotela wakho enquma umuthi ongekho kumuthi wakho wezokwelapha wepulani, uhlelo lwakho lwezempilo ngeke lukhokhele.
- Ukunciphisa amanethiwekhi omhlinzeki okudingayo ukuthi usebenzise kuphela abahlinzeki be-inthanethi ngokunakekela impilo yakho uma ufuna inkampani yakho yomshuwalense wezempilo ukuba ukhokhele ukunakekelwa kwakho. Lokhu kuvamile kuma-HMO nama-EPO.
- Uhlu lokulinda lokufakelwa komzimba. Izinkampani zomshuwalense wezempilo akuzona ezivela kuzo zonke izidingo zokunakekelwa kwezempilo e-United States. Isibonelo, izitho ezinikelwe ziyimpahla eyigugu futhi elinganiselwe; akuwona wonke umuntu odinga umuntu ongathola uhlu lokulinda ithuba lokuthola isitho. Amalungu alinganiselwe.
Izibonelo zendlela ukunakekelwa kwezempilo okwenziwe ngayo e-US ngokukhuphula izithiyo zokunakekelwa kuhlanganisa:
- Ukwabelana ngezindleko . Ukwandisa ama- deductibles , ama- currency coinsurance , kanye nezidingo zokukhokhwa kwemali konke kwenza kube nzima ukuba abathengi bezempilo bathole ukunakekelwa ngoba umthengi kufanele avele kuqala ngemali. Izindleko zokwabelana ngezindleko zihlanganisa nabathengi be-premium ngenyanga abakhokhele ukuthenga umshuwalense wezempilo. Wonke amadola umuntu okumele akhokhe ukuze athole ukunakekelwa kwandisa ithuba lokuthi ngeke akwazi ukukhokhela ukunakekelwa. Ngokufanayo, i-dollar ngayinye yokwabelana ngezindleko kuncipha inani labantu abazofinyelela kuloluhlelo oluthile lokunakekela impilo.
- Ukushaja umshwalense wezempilo kanye nokunakekelwa kwezempilo mhlawumbe isibonelo esibalulekile kunazo zonke zokunakekelwa kwezempilo. Empeleni, ukushaja ukunakekelwa kwempilo kanye nomshuwalense wezempilo kubaluleke kakhulu ekunciphiseni ukunakekelwa kwezempilo ngokusekelwe noma ngabe umuntu angakwazi yini ukukhokha noma cha. Labo abangakwazi ukukhokha bakuthola ukunakekelwa; labo abangakwazi ukukhokha abanakekeli. Ukulinganisa kwezomnotho.
Qaphela ukuthi izinsizakalo zomshuwalense wezeNhlalakahle ezingenakusiza zihlose ukunciphisa leli fomu lokugcina lokunikwa ngokunikeza usizo lwezimali kulabo abangakwazi ukuthenga umshwalense wezempilo ngokwabo.
Ingabe Ukunciphisa Ukunakekelwa Kwezempilo Kubi, Kuhle, Noma Okubi Okudingekayo?
Nakuba siye sabheka ukunakekelwa kwempilo e-US iminyaka, umbono wokunakekelwa kwezempilo kunamanje ku-United States. USarah Palin wathinteka kulowo mzwelo lapho ethi uMthetho Wokunakekelwa Okunganakekelwayo uzodala "amaphaneli okufa" anganquma ukuthi ubani ozokunakekelwa nokuthi ngubani ongashiywa ukufa ngaphandle kokunakekelwa.
Kungaba kuhle uma izwe linezinsiza ezingenamkhawulo futhi wonke umuntu angaba nayo yonke into ayifunayo. Noma kunjalo, akusilo izwe esihlala kulo. Iqiniso elibalulekile ukuthi ukunakekelwa kwezempilo kuyimpahla; imali yimpahla.
Odokotela nabahlengikazi banikeza ukunakekelwa kwempilo njengendlela yokuthola imali, ukusekela imindeni yabo, ukukhokha izikweletu zabo. Izinkampani zokwelapha zenza izidakamizwa ezingathengisa ngenzuzo. Uma inkampani ingenzi inzuzo, iyophuma ngaphandle kwebhizinisi futhi ngeke ibe khona lapho ukwenza izidakamizwa ngonyaka ozayo.
Abantu abaningi banomuzwa wokuthi ukunakekelwa kwezempilo kufanele kube okungafani ne-capitalism, kufanele kube ilungelo eliyisisekelo lomuntu olunikezwa wonke umuntu ngoba abantu abakwazi ukuhlala ngaphandle kokunakekelwa kwezempilo. Kodwa-ke, e-United States izinto eziningi abantu abakwazi ukuhlala ngaphandle zilinganiswa ngokwezomnotho.
Abantu abakwazi ukuphila ngaphandle kokudla, kodwa kufanele sikhokhele ukudla esitolo. Labo abasesitembu sokudla kumele baqoke ngokucophelela izimali zikahulumeni ezihlinzeka ngakho ukuze baphelelwe ukudla. Abantu abakwazi ukuhlala ngaphandle kokukhosela kusuka ezakhiweni, kodwa kufanele sikhokhele izindlu kanye nezingubo. Labo abangakwazi ukukhokha bahlupheka.
Ingabe ukuhanjiswa kwezempilo kuyingozi? Ngezinye izindlela, yebo. Abantu bahlupheka lapho behlehlisa ukunakekelwa abakwazi ukukhokhela noma uma behamba ngaphandle kokunakekelwa kwezempilo.
Ingabe ukuhanjiswa kwezempilo kuhle? Ngezinye izindlela, yebo. Ukunakekelwa kokunakekela kusisiza ukuba sisebenzise izinsiza zethu ezilinganiselwe ngokuhlakanipha, ukukhetha nokukhetha phakathi kwezinketho nokuzama ukuthola ukunakekelwa okudingekayo kuphela.
Ekugcineni, ukuhanjiswa kwezempilo kuyingozi ebalulekile. Siphila kuso kusukela okhokho bethu bakhokhela udokotela wedolobha ngezinkukhu. Siphila nayo manje uma kufanele sithole isisindo sethu se-MRI esigunyazwe ngaphambilini yihlelo lethu lempilo. Sizohlala nalo esikhathini esizayo uma nje isikhathi nemali kukhona izinsiza eziphelile.