Kungakhathaliseki ukuthi ukhetha ukuthi ungaqinisekisiwe noma uhamba ngaphandle komshuwalense wezempilo ngoba awunayo enye indlela, ubhekene nezingozi ngoba awunayo umshuwalense wezempilo. Ngokucacile ukuqonda lezo zingozi kungakusiza wenze izinqumo ezinolwazi.
Izingozi zezezimali
Izindleko zezokwelapha ngokungangabazeki zifaka isandla ekubanjweni kwabantu abaningi. Ngisho noma ucebile kakhulu, uma unesifo esibucayi noma ingozi embi, izikweletu zakho zezokwelapha zingenakugwenywa uma ungenawo umshuwalense wezempilo.
Uma ungaqinisekisiwe e-United States, uzophinde uhlangane nesigwebo sentela ngaphandle uma ukhululekile esihlalweni . Le nhlawulo ingaba amaphesenti angama-2.5 emali engenayo yendlu yakho yonyaka, kodwa ngeke ibe ngaphezu kwesilinganiso sikazwelonke somsebenzi wezempilo we- bronze-tier on the inshuwalense yempilo yonyaka.
Izingozi zezempilo
Ukungaqiniseki kungalimaza impilo yakho. Ngombiko wayo ka-2017, i-Kaiser Family Foundation ithi "abantu abangaqinisekisiwe baningi kakhulu kunalabo abanomshwalense wokuyeka ukunakekelwa kwezempilo noma ukuyeka konke. Imiphumela ingaba nzima kakhulu, ikakhulukazi uma izimo ezivimbelayo noma izifo ezingapheli zingakutholakali."
Izingozi Kubathandekayo Bakho
Awusiye kuphela obeka engozini uma ungaqinisekisiwe. Ngoba indlela ophila ngayo impilo yakho ithinta labo abakuzungezile, abathandekayo bakho basengozini uma ungenawo umshuwalense wezempilo. Isibonelo, bazobe behlupheka ngokwezimali uma befuna ukukusiza ngezikweletu zezokwelapha.
Uma bencika kuwe ngokwezezimali futhi unenkinga yezezimali ngenxa yezindleko zokunakekelwa kwezempilo, zizobhekana nemiphumela yezinkinga zakho zezezimali. Okubi nakakhulu, abathandekayo bakho bazohlupheka uma impilo yakho ihlaselwa ngoba awukwazi ukuthola ukubonga ngokungaqinisekisiwe.
Izingozi Emphakathini Wakho Wendawo
Esithombeni esikhulu, uma ungakwazi ukukhokhela izikweletu zakho zezokwelapha ngoba awuqinisekisiwe, umphakathi wakho nomphakathi wonke bahlupheka.
Isibonelo, abahlinzeki bezempilo abachitha isikhathi sabo nezinsiza abakunakekelayo bazohlupheka ngokungahlawuliswa. Amabhizinisi emphakathini wakho azohlupheka uma ushintsha imikhuba yakho yokuchitha imali ngenxa yezikweletu ezinkulu zezokwelapha. Osebenza nabo kanye nomqashi wakho bazohlupheka uma ubiza ngokugula kaningi ngenxa yokuthi awunakho ukufinyelela ukunakekelwa kwezempilo noma uma impilo yakho iwohloka futhi awukhiqizi emsebenzini.
Izingozi Zomphakathi
Umphakathi wonke ungahlupheka uma ungaqinisekisiwe. Ngisho noma ungenzi imali eningi, usaqhubeka nomthelela emphakathini ngezindlela eziningi. Isibonelo, uma wenza umsebenzi omuhle wokukhulisa izingane zakho, unikela emphakathini ngokukhulisa amalungu omphakathi wesikhathi esizayo. Ukuba nomsebenzi, ukuzithandela, ukubhekelela omakhelwane bakho, nokunikeza ukusizwa ngokomzwelo kubangane bakho kanye nabathandekayo kuwonke iminikelo emphakathini wonke.
Uma ungenawo umshuwalense wezempilo futhi okubangela ukubambezeleka kokwelashwa noma ukufinyelela ekunakekelweni kwezempilo, lezo zilibaziseko zingakwenza ugule, okungenzeka ngisho nokuholela ekukhubazekeni. Umphakathi wonke uzohlupheka ngenxa yokuthi ngeke ukwazi ukufaka okuningi ngangokunokwenzeka uma usuphilile. Uma ukhubazekile ngoba awukwazi ukuthola ukunakekelwa kwezempilo, umphakathi awukhokha kuphela izinkokhelo zakho zokukhubazeka, kodwa ulahlekelwa ngeminikelo yakho yamanje neyokuzayo emphakathini.
Abantu abaningi abakhubazekile baphela ku- Medicaid , Medicare , noma kokubili. Uma useMpilo, umphakathi wonke ukhokhela ukunakekelwa kwempilo yakho. Uma ukhubazekile futhi uhamba ku-Medicare kusenesikhathi, ngaphambi kokuba unikeze intela kukho intela yokukhokhela iminyaka, umphakathi ulahlekelwa ngeminikelo yakho ye-Medicare futhi kufanele ukhokhe izinzuzo zemithi yakho.
Izingozi Zomshwalense Wonke Womshuwalense Wezempilo
Bonke abantu abahlanganiswe ngaphansi kwepulani lempilo yomshuwalense wezinkampani ziyingxenye yesikhumulo sezinhlekelele. Isakhiwo esizinzile, esiqhubekayo sengozini sincike ekubeni nephesenti enkulu yabhaliseli abanempilo yokwenza inani elincane labantu ababhalisile abanezimo zempilo ezibalulekile.
Esinye sezizathu eziyinhloko esizibonayo ukukhipha ama-premium emakethe kanye namasekhwalithi wezempilo abashiya ukuhwebelana ngoba abantu abanempilo enhle abhalisile ekubhaleni. Ngenxa yalokho, amachibi amaningi engozi abelokhu ehlaselwa ekupheleni komzimba, futhi izindleko zithi izindleko ziye zaphazamisa abanye abathwali.
Indlela kuphela yokugcina uhlelo lomshuwalense wezempilo oluzinzile futhi olusebenzayo lukuthi abantu abanempilo bangene ekubanjweni ukuze bahlehlise izindleko zamacala kulabo abangenempilo encane. Futhi nakuba ungase uphile kahle manje, lokho kungase kungabi njalo njalo. Uma noma nini udinga ukwelashwa okuphawulekayo, izindleko zizobekwa yibo bonke ababhalisile enempilo echibini lezinkampani zenhlekelele, becabanga ukuthi u-insured ngaleso sikhathi.
Ukwehlisa Izingozi Zokungaqiniseki
Kungakhathaliseki ukuthi ukhetha ukuhamba ngaphandle komshuwalense wezempilo noma awuqinisekisiwe ngoba awunayo enye indlela, uthatha izingozi. Ezinye, kodwa hhayi zonke, zalezi zingozi zingancipha. Lezi zihluthulelo zizokusiza ukuba ulungele ukungabi nokuqinisekiswa futhi, ngangokunokwenzeka, kukusize ukunciphisa izingozi ezihlobene nokungaqinisekisiwe.
> Umthombo:
> I-Henry J. Kaiser Family Foundation. I-Uninsured: I-Primer-Key Facts mayelana Nomshuwalense wezeMpilo kanye ne-Uninsured ngaphansi koMthetho Wokunakekelwa Onganakekelwayo. Ishicilelwe ngo-December 14, 2017.