I-Health Insurance Co-Ops Musa Ukuphishekela Inzuzo
I-Co-ops ye-Health Insurance (amakhomikhali) yizinhlaka zokukhokha ezempilo ezinikezela umshuwalense wezempilo ngezindleko ezinciphile ngenkathi ziqhubeka ukuncintisana nezinkampani zomshuwalense wangasese .
Phakathi nezingxoxo mayelana nokuguqulwa kwezempilo, kanti ngenkathi befuna izindlela ezingcono zokuthola ukunakekelwa kwempilo okungabizi kubo bonke abantu baseMelika, izingxoxo zenzeka mayelana nokuthuthukiswa kwe-co-ops yomshuwalense wezempilo, okubizwa nangokuthi kubambisene nempilo yomshwalense.
I-Health Insurance Co-Ops isebenza kanjani?
Ama-co-ops angabantu abanomshwalense nabo. Ngakho bayabizwa ngokuthi "abanamalungu." Empeleni, i-co-ops yomshuwalense wezempilo yinkampani yomshuwalense wezempilo ephethwe iziguli eziqinisekisa. Ziqukethe izinkulungwane zamalungu, okusho ukuthi izindleko zokunakekelwa ziyasakazeka kubo bonke labo bantu. Njengoba ama-co-ops angenasithakazelo kwinzuzo, izindleko zabo yizindleko zangempela, futhi azitholi izindleko zokuphatha. Ukwengeza, ngoba u-co-ops uqoqa kuphela lokho abakuchithayo, abanakho ukukhokha intela, okugcina izindleko ziyancipha.
Ubunikazi beLungu le-Co-Op
Enye indlela yokuqonda i-co-ops ukucabangela ngesikhungo semali esikweletu esilungu lelungu. Njengoba amalunga ayo atshayela izimali kumalungu ayo, futhi njengoba engalingi ukubuyisela inzuzo, amalungu angase athole izinzuzo ezingcono ekulondolozeni kwabo, noma izaphulelo ezingcono kumalimboleko, ngoba izindleko zokuphatha ziphansi futhi akukho ukukhokha intela.
I-co-ops yomshuwalense wezempilo kakade ikhona emazweni amaningi kuwo wonke ama-United States. Bavame ukubunjwa ngabaqashi abanokuthile okufanayo; isibonelo amaqembu abalimi eCalifornia noma amaqembu amabhizinisi amancane eMinnesota. Kukhona nezinye izinhlobo ze-co-ops yomshuwalense njengomshwalense wemoto noma umshuwalense wendawo.
I-co-ops yomshuwalense ingathuthukiswa yinoma yiluphi uhlobo lwenhlangano. Izinhlangano zikazwelonke, zombuso, noma zendawo zingathuthukisa ukubambisana komshuwalense wezempilo. Isibhedlela sendawo singase siqale eyodwa. Umqashi omkhulu angase aqale eyodwa. Futhi, cabanga ngazo zonke izinhlobo zezinyunyana zezikweletu ezikhona futhi uzoba nomqondo wokuthi ingabe i-co-ops yomshuwalense wezempilo ingasungulwa kanjani.
Izinzuzo ze-Assurance Insurance Co-Ops
Inzuzo enkulu ye-co-ops yomshuwalense wezempilo yukuthi, njengoba ibonisa izinkulungwane zamalungu, zinamandla angcono okuxoxisana nabahlinzeki, ukugcina izindleko ezincane kunomshuwalense ngamunye (wangasese). Ukulondolozwa okungeziwe kubangelwa ukungabi nzuzo kokuphishekela inzuzo kanye nesimo sabo esingekho intela.
I-Cons of Health Insurance Co-Ops
Esinye isidingo esibalulekile kumshuwalense we-co-ops wempilo yilokho emazweni amaningi, ama-co-ops awadingeki ukuba alandele imithetho nemikhombandlela efanayo abahlinzeki bomshuwalense abazimele. Uma i-co-op ilahlekelwa yimali, kungase kube khona izinhlobo ezifanayo zokuvikela ukuze kuqinisekiswe ukuthi labo ababambe iqhaza ku-co-op bazokwazi ukuthola izidingo zabo zezempilo.
Ukuvuselela kwi-Co-ops ye-Health Insurance nge-Passage of Healthcare Reform
I-co-ops yomshuwalense wezempilo inikezwe igama elisha ukuze lihambisane negama elithi "co-op".
I-CO-OP manje ibhekisela kuHlelo Lokusetshenziswa Kwabathengi Nokuhleleka.
Umthetho omusha uhlinzekela ukudala "abahlinzeki bomshuwalense wezempilo" abaqeqeshiwe abangenzi nzuzo "ukunikeza izinhlelo ezifanelekayo zezempilo ezimakethe zeqembu ngalinye namancane (Isigaba 1322).