Ukuqonda Izinkinga Zokuguqulwa Kwezempilo

Ukuphikisana Ngendlela AbaseMelika Abayithola Ngayo Impilo yabo Bazoqhubeka

Abaningi baseMelika baqonda ukuthi uhlelo lwezempilo alusebenzi ngendlela ephumelelayo noma oluphumelelayo, kodwa bambalwa abakuqonda ubuningi bezinkinga ezihilelekile. Lesi siqondiso singakusiza uqonde ukuthi yiziphi izinkinga, nemibandela okufanele iphendulwe ukuze ilungise uhlelo.

Ukuhamba nokusetshenziswa koMthetho Wokunakekelwa Okunenzuzo ka-2010 (i-ACA) kuqondiswe eziningi zalezi zinkinga.

Kodwa eziningi zihlala zingaxazululwa futhi ziyaqhubeka zixoxisana njengoba ukuguqulwa kuhlongozwa futhi kucatshangelwa. Ukuguqulwa kwempilo akuphelelanga ne-ACA, inqubo eqhubekayo.

Iningi lethu lilinganisa "izinguquko zokunakekelwa kwezempilo" "ngokunakekela impilo yonke." Eqinisweni, akuzona nje izinto ezingafani, ukuguqulwa kwempilo empeleni kubandakanya okungenani izingxenye eziyishumi nambili, futhi ukunakekelwa kwempilo yonke jikelele akuyona enye yazo. Ukunakekelwa kwezempilo jikelele kuyinye yezimpendulo komunye wemibuzo (bheka "Ukuhlanganisa" ngezansi), noma ngabe umbuzo obhekwa abantu abaningi ukuba ube yingxabano kakhulu.

Kunenqubo yesinyathelo esine yokuqonda izinguquko zezempilo kanye nezindaba zayo ezihambisanayo.

1. Qonda izinkinga ohlelweni oluholela ekwenzeni uMthetho Wokunakekelwa Ongenakusiza ka-2010.

2. Qonda umqondo wokunakekelwa kwezempilo.

Okuyiningi lethu engingaqondi ukuthi imibuzo enkulu yokuhlanganisa yonke imayelana nezindleko nokulinganisa .

Lapho abantu abaningi kanye nezinsizakalo ezengeziwe zikhokhwa, sizobe sesithinteka kakhulu ngokulinganisa. Sicela uthathe isikhathi esincane ukuqonda umqondo wokulinganisa, bese uqhubekela phambili engxoxweni jikelele yokuguqulwa kwezempilo ngezansi.

3. Ukuqonda umphumela wokuvuthwa kwesinqumo ngasinye kunabanye.

Izici eziningi zokuguqulwa kwempilo zihlobene nazo zonke ezinye izici.

Izinqumo mayelana nokuqashwa kuzothinta izindleko kanye nokukhokha, okuzophinde kuthinte ukuphepha kwesiguli kanye nokuguqulwa kokulungisa. Izinqumo mayelana namarekhodi wezokwelapha ze-elektroniki zizophazamisa izinkinga zobumfihlo, njalonjalo. Ngaphezu kwalokho, izinkinga ze-uninsured zithinta kakhulu kunezikhwama zethu. Yingakho ukuguqulwa kwempilo yezempilo kuyinkimbinkimbi enzima ukuxazulula.

4. Qondanisa isithombe esikhulu sezinkinga zokulungisa impilo.

Nayi imibuzo ehilelekile esihlokweni sonke sokuguqulwa kwempilo. I-order yabo ayibonakali izinga labo lokubaluleka esithombeni esikhulu. Ungafunda kabanzi ngalunye ngokulandela izixhumanisi ezinikeziwe.

• Ukuphakama:
  Ingabe bonke abantu baseMelika kufanele baqinisekiswe ukufinyelela kokunakekelwa kwezempilo kanye nokwelashwa okuyisisekelo? Ingabe ingane yesisebenzi esingasebenzi ngehora esingaqeqeshiwe ingafinyelela ezinkambweni zokunakekela ezifanayo njengoMphathi Omkhulu we-corporation enkulu, noma ilunga le-US Congress noma ilungu leyunyunyana emhlalaphansi? Ingabe kufanele kube khona ukungezwani ekunakekeleni okutholakala kusuka kuhulumeni ukuya kuhulumeni?

  Kuhlanganiswe emibuthanweni mayelana nokusabalalisa lezi zinkinga:

  • Ubani okufanele afakwe?
  • Uyini umehluko phakathi kokunakekelwa kwezempilo emhlabeni wonke , ukunakekelwa kwezempilo okungabodwa , kanye nokwelashwa komphakathi ?
  • Izimo ezandulele - ukuphika umshuwalense wezempilo kulabo abasenenkinga yezokwelapha
  • Ukulahla ukunakekelwa - yiziphi izivivinyo, izifo, kanye nezinsizakalo zezokwelapha okufanele zibe, noma akufanele zikhokhwe?
  • Izinhlobo zezinsizakalo okufanele zihlanganiswe (impilo yengqondo? Amazinyo noma umbono?)
  • Ukunakekelwa okuyinhloko kanye nokuntuleka kokudokotela okuyinhloko
  • Izinkinga zokunakekelwa kokuvimbela njengokumisa imikhankaso yokubhema, noma ukunqoba izinkinga zokukhuluphala kwengane
  • Ukunakekelwa kokunakekelwa - ngesistimu esekelwe umqashi njengokuthi ikhona namuhla, abasebenzi ngezinye izikhathi bathola ukuthi abakwazi ukuhambisa noma ukushintsha imisebenzi ngaphandle kokwesaba ukulahlekelwa yomshuwalense wabo

• Izinhlelo Zokukhokha Nezindleko:
  Ngaphambi kokuya kwe-Care Affordable Act ka-2010, kwabalelwa abantu abayizigidi ezingu-47 e-United States ababengenakho uhlelo lokukhokha lokunakekelwa kwezempilo. Kwakukhona ukulinganiselwa okungaphezu kwezigidi ezingu-25 ezingaphansi kwe-insured, okusho ukuthi abantu abayizigidi ezingu-72 besengozini yokulahlekelwa isisekelo sabo sezimali uma ukunakekelwa kwezokwelapha kungabiza ngaphezulu kwamaphesenti ayishumi omholo wabo.

  Lokhu ikakhulukazi isekelwe kwimibono yomshoshaphansi wangasese, noma umthethonqubo womshuwalense wangasese. Impendulo eyodwa kuphela " yokunakekela impilo yonke ."

  Kuqukethe imibuzo mayelana nezinhlelo zokukhokha nezindleko yizi zinkinga:

  • Yiziphi izici zokunakekelwa kwempilo okumelwe zikhokhwe ngabanye, abaqashi noma uhulumeni?
  • kufaka phakathi ama- Akhawunti Wokulondoloza Impilo
  • Ukubonakala kwezindleko - okwamanje iziguli azikwazi ukuthi ukukhokhelwa kwezempilo kubiza ngempela, okubhekwa njengenye yezizathu zokunakekelwa kwezempilo e-United States kubiza kakhulu.
  • Ukukhwabanisa okukhokhiswayo nokukhwabanisa kwamasevisi - lokhu kwenzeka kokubili izinhlelo zokukhokha zikahulumeni kanye nezimele
  • Izindleko zemithi namadivaysi - Iziguli zase-United States zikhokha kakhulu izidakamizwa namadivayisi wezokwelapha kuneziguli kunoma ikuphi emhlabeni
  • Izinkokhelo odokotela ngezinkampani ezenza imithi kanye nezinkampani zedivayisi yezokwelapha
  • Ubunikazi bemishini nezinsiza
  • Ukusetshenziswa kobuchwepheshe

• Ukuphepha kwesineke:
  Njengoba zonke izinselelo ezibalwe ngenhla ziye zaba nzima kunabasebenzi, izikhungo, kanye neziguli okumele zibhekane nazo, iziguli zisengozini yokuqhubeka nezinkinga njengoba zifinyelela ohlelweni. Iziguli ziyafa noma ziqhutshwa phambili yiwo ohlelweni olufanele ukusiza ukuba baphulukise noma baphulukiswe. Ukuguqulwa kwezeMpilo kudinga ukuthuthukisa uhlelo lokunciphisa izinombolo zamaphutha ezempilo nokufa.

  Kuqukethe imibuzo mayelana nokuphepha kwesiguli yizimpikiswano :

  • Ukuphawula ngokubika kwephutha
  • Ukuguqulwa kwe-Tort - kufanele yini iziguli zivunyelwe ukusola lapho kwenziwa amaphutha? Kufanele kube khona ama-caps emalini angawafakazela?
  • Ukubhekwa kwe-FDA - okulahlekelwe uphawu ekuvikeleni amaMelika ngezikhathi eziningi eminyakeni edlule
• Ubuchwepheshe boLwazi lwezeMpilo:
  Ukusebenzisa indlela yethu yokugcina amarekhodi esendabuko emaphepheni ajwayelekile hhayi kuphela izindleko zokunakekela, kepha izinga lokunakekela kanye. Iziphi izinkinga ezixazululwa ngesikhathi sezinguquko ngokusetshenziswa kwamarekhodi wezokwelapha ?
• Ucwaningo Lwezokwelapha, kuhlanganise noStem Cell Research:
  Eminyakeni yamuva, izimali zikahulumeni zokucwaninga ngezokwelapha ziye zavinjelwa ngokuphawulekayo, zishiya imibuzo emikhulu mayelana nekhwalithi yocwaningo oluxhaswe ngemali ngabenzi abenza imithi.

2010 Ukuvikelwa kwabagulayo kanye noMthetho Wokunakekelwa Ongathintekayo (ACA) - Umthetho Wokuguqula Umshwalense Wezempilo

Ukushintsha kokuqala kwemithetho eqondisa ukunakekelwa kwezezempilo kanye nokwelashwa e-United States isayinwe ngumthetho nguMongameli uBarack Obama ngoMashi 23, 2010. Izici eziningi, kodwa hhayi zonke, izici zezinguquko ezibalwe ngenhla zibhekiswe futhi zizofakwa ngaphezulu inkathi yeminyaka emihlanu. Bazoqhubeka bewumthombo wempikiswano kusukela umthethosivivinywa ushintshiwe eminyakeni ezayo.