Chii chinonzi ipfupi-pfupi inishuwarenzi yehutano?
KambaniKune avo vari kutenga inishuwarenzi yehutano kunze kwehomwe, inhu-pfupi-yeinishuwarenzi yehutano kurira senge inokwezva sarudzo. Mushure mezvose, kune zvakaderera mitengo uye inishuwarenzi yehutano kufukidza inorova ipapo ipapo. Asi kana iwe ukabvisa pachivharo, uchaona kuti haina kupa kufukidzwa kwakazara-mamwe marongero epfupi einishuwarenzi ehutano anogona kunge asingavhare mamiriro anga aripo, kurapwa kwepfungwa, kana mishonga yemishonga. Uye iwe unowanzo kuve nedzimwe sarudzo, senge COBRA kana kufukidzwa pasi pechirongwa chemhuri. Saka rini-pfupi inishuwarenzi yehutano sarudzo chaiyo?
Yepfupi-yenguva pfupi inishuwarenzi yehutano yakatanga kugadzirirwa kuti ive zvazvinonzwika-mhinduro-yenguva pfupi mhinduro kune vanhu vaida kufukidzwa kwehutano panguva yemukana webasa kune vangangodaro vatsva mamiriro ekurapa. Pakutanga, iwe unogona chete kuve inishuwarenzi pasi pechinguvana chirongwa cheinishuwarenzi chehutano kwemwedzi mitatu. Kubva muna Gumiguru 2018, zvakadaro, izvo zvachinjwa kusvika mazuva makumi matatu nemazana mana, uye zvirongwa zvinogona kumutsidzirwa kwemwedzi inosvika makumi matatu nematanhatu. Mukufunga, mumwe munhu anogona kunyoresa muchirongwa chenguva pfupi, otakura kufukidza kwegore rimwe chete, obva achinjira kune mumwe anotakura mukati meiyo pfupi-pfupi system.
Zvisinei, zvakakosha kuziva kuti haisi nyika dzose dzinopa zvirongwa zvehutano zvenguva pfupi senzira. Havawanikwe mumatunhu gumi nerimwe, kusanganisira California, Colorado, New York, New Jersey, neMassachusetts, kungave nekuti zvakarambidzwa kana nekuti mirau yakaoma inoreva kuti makambani einishuwarenzi akasarudza kusaapa. Mune mamwe matunhu, anogona kuve akaganhurirwa, uye mirau inosiyana maererano nematanho ehurefu uye kuvandudzwa.
Izvo zvinovharirwa neinishuwarenzi zvinosiyana zvakanyanya pakati peinishuwarenzi nehurumende, asi chinhu chimwe chakafanana ndechekuti havafukidze mamiriro ehutano anga aripo. Pamusoro pezvo, havawanzo kufukidza zvese zvakakosha zvehutano zvinodiwa pasi peiyo Affordable Care Act (ACA kana Obamacare), iyo inosanganisira kuchengetedza kudzivirira sekushanya kwachiremba nguva dzose, kuchengetwa kwemadzimai, uye mishonga yemishonga.
Ini ndinofanira kuwana pfupi-pfupi inishuwarenzi yehutano?
Kubatsira kwezvirongwa zvenguva pfupi zvehutano
Mune mamwe mamiriro ezvinhu, inishuwarenzi yehutano yenguva pfupi inogona kubatsira chaizvo. Kubatsira kukuru ndeye mutengo wemutengo; maprimiyamu emwedzi nemwedzi anogona kunge akaderera zvishoma pane zvakajairwa zvirongwa zvehutano. Kana iwe uine hutano hwakanaka, usafanoona chero shanduko huru yemararamiro (senge ane nhumbu), munguva pfupi iri kutevera, uye akagwinya nekushomeka kufukidzwa, inishuwarenzi-yenguva pfupi inogona kuve yakasimba chengetedzo mambure uye inogona kusanganisira dzimwe nhengo dzako mhuri.
Izvo zvinobatsira mune zvimwe zviitiko, senge pakati pebasa, paunenge wakamirira kufukidzwa kweMedare kuti upinde mukati, kana kana iwe yakapotsa kunyoresa kuvhurika kuburikidza newaunoshandira kana mapuratifomu,anodaro Yuna Rapoport , MD, MPH, ophthalmologist kuManhattan Eye muNew York City.Makomborero anosanganisira kuti zviri nyore kuwana uye kufukidza kunogona kukanda nekukurumidza. Ivo anowanzo ari akadhura-mutengo uye anopa yakaderera kufukidzwa.
Yenguva pfupi inishuwarenzi inopawo kuchinjika-kazhinji kufukidza zuva rinoshanda rinotanga mune mashoma semaawa makumi maviri nemana uye unogona kukanzura pamadiro. Zvinogona kuva zvinotyisa kusainira inishuwarenzi yehutano, asi nekupfupika-kwenguva pfupi, kusaina kunowanzo kuve maitiro akareruka, zvakare, hongu kana kwete mibvunzo.
RELATED: Shanduko mumabasa? Dzidza nezve COBRA kufukidza
Kukanganisa kwezvirongwa zvenguva pfupi zvehutano
Nepo pfupi-pfupi inishuwarenzi yehutano inogona kubatsira zvakachipa kudzika musiyano wekuvhara pakati pezviitiko zvehupenyu sebasa nyowani kana kuenda kukoreji, ine zvimwe zvikanganiso zvakakura semhinduro yenguva refu.
Hutano hwako hunonyanya kuona kana ipfupi-yenguva pfupi inishuwarenzi yehutano iri sarudzo kwauri. Kana iwe uine chero mamiriro akange aripo senge asthma kana chirwere cheshuga, ungangodaro usingave unokodzera kufukidzwa pasi peiyo pfupi-yenguva pfupi inishuwarenzi yehutano chirongwa. Izvo zvinoenda kune hutano hwepfungwa mamiriro uye psychiatry. Uye kana zvikazoitika kuti iwe waive uine pre-yaivepo mamiriro iwe wausingazive nezvayo kana kubaya isiriyo bhokisi mune iyo inokurumidza kusaina-kumusoro? Unogona kunge uri kunze kwemhanza. Zvirongwa zvenguva pfupi zvekurapa hazvisi ACA zvinoenderana, saka inishuwarenzi inogona kuongorora maitiro ako ekare ekurapa - kusanganisira vasati vakuvhara - kuti uone kana iwe uine pre-iripo mamiriro.
Pamusoro pezvo, hwakawanda hutano hwakakosha hunodiwa nevanhu kubva muinishuwarenzi yavo yekurapa. Hutano hutano seyakajairwa kushanya kwechiremba uye kunyorerwa zvinodhaka zvinodhaka zvinowanzove zvisina kuiswa muzvirongwa zvenguva pfupi. Iwe unogona zvakare kushomeka nechero yako hurongwa inovhara, kungave mugore kana muzuva, i.e. yako ambulensi kutasva inodhura madhora mazana mashanu, asi yako inishuwarenzi yenguva pfupi inogona kunge iine mazana matatu emadhora emabasa ekukurumidza. Saka kunyange maprimiyamu ako emwedzi nemwedzi angave akadhura, unogona kupedzisira washandisa yakawanda pamari-kunze-kwehomwe kupfuura zvawakaronga bhajeti kana uchifanira kutsvaga rubatsiro kana kuita emergency.
Zvichienderana nekuti chirongwa chako chinopera rinhi, unogona zvakare kuzviwana pasina dzimwe nzira dzekuvhara. Kana chirongwa chako chenguva pfupi chikapedza kunze kweiyo ACA yakavhurika kunyoresa nguva, unogona kunge usingabvumirwe kusvika kune inotevera, seyepfupi-pfupi yekuvhara yekupedzisira isingatariswe se chiitiko chinokodzera icho chinobvumidza Yakakosha Kunyoresa Nguva . Izvo zvinogona kureva yakakosha nguva yenguva apo iwe usina hutano inishuwarenzi zvachose.
| Inishuwarenzi yenguva pfupi ipfungwa yakanaka here? Pfupiso yezvakanaka nezvakaipa | |
|---|---|
| Zvayakanakira | Nezvayakaipira |
| Maprimamisi akadhura emwedzi pamwedzi pane akarongeka zvirongwa | Kunze-kwe-muhomwe mari inogona kuve yakakwira nekuda kwekushomeka kwekuvhara |
| Ikozvino kufukidza kwaunogona kukanzura chero nguva | Kuwedzera njodzi yekushaikwa kunyoresa |
| Zvirongwa zvemunhu uye zvemhuri zviripo | Hazviwanzo kufukidza mamiriro akambovapo, chirwere chepfungwa, kuchengetedza kwekudzivirira, kana kupihwa mishonga |
Maitiro ekuwana pfupi-kwenguva pfupi inishuwarenzi yehutano chirongwa
Kana iwe uchifunga chirongwa chenguva pfupi cheinishuwarenzi chehutano uye chayo chidiki chakakosha kufukidza ndiyo yakanyanya kunaka sarudzo kwauri, chinhu chekutanga kuona kuti zviripo here mudunhu rako. Kana iwe uchigara mumatunhu anotevera, ipfupi-pfupi haizove sarudzo:
- California
- Colorado
- Hawaii
- Massachusetts
- New York
- New Jersey
- Rhode Island
- Vermont
- Connecticut
- New Mexico
Kana zvirongwa vari inowanika munharaunda yako, ipfungwa yakanaka kucherechedza zvinhu zvishoma: nguva yekuvhara, sezvo mamwe matunhu aine miganho mipfupi pane dzimwe; zvichave zvako zvemaprimiyamu emwedzi nemwedzi; uye iyo yakanaka yekudhinda hurongwa hurongwa.
Ipfupi-temu inishuwarenzi yehutano mutengo
Paunenge uri paavhareji, mapfupi-epfupi einishuwarenzi ehutano zvirongwa zvoda kuitika 224% yakachipa pane ACA inoronga, ipfungwa yakanaka kutorawo izvo zvekugadzwa kana matsva matsva aungave uchiuyawo iwe. Semuenzaniso, kana iwe uine gore rega rekurapa muviri kana kugara uchizadza tsamba, iwe uchazoda kusanganisira izvo zvehutano zvinodhura sezvo iwe uchiverenga huwandu hwakazara-hwe-muhomwe mari.
Uye zvechokwadi, kushandisa SingleCare, kunyangwe iwe uri pane pfupi-pfupi inishuwarenzi chirongwa kana iyo ACA-inokodzera imwe, inogona kukubatsira iwe kuchengetedza pane zvakanyorwa.
VERENGA ZVINOTEVERA: Maitiro ekuwana inishuwarenzi yehutano
