The upshot? Most punt. Vane makumi mashanu pavashanu vanoti vanopedza nguva shoma neawa pamusana pezvavanogona kuita zvisarudzo, uye kunyangwe vanongosarudza zvikomborero zvakafanana gore negore.
The Price of Inaction
Izvozvo zvinogona kutengesa kana ukasarudza zvisina kururama. Iti iwe sarudza urongwa apo chiremba waunoona kamwe chete pagore hachina kubatana. Izvo zvinogona kuva mari yaunoda kutakura. Asi kana iwe wapedzisa uchida rubatsiro rwechiremba ichocho nenzira isingatarisirwi inowedzera nzira? Iwe unogona kupedzisa kubhadhara 300% yezvaizodhura kudai waizowana in-network doc kubva pakuenda-kuenda, maererano nechidzidzo che2015 neAHIP Center yePurogiramu neKutsvakurudza. Saizvozvowo, kana ukasarudza kubhadhara zvikwereti zvakakwirira zvinouya nemarongwa ane zviduku zvakaderedza, asi hazviwanzoona chiremba kana kuzadza zvinyorwa nokuti une utano sebhiza, iwe unogona kuguma uchibhadhara zvimwe zviri kumusoro-mberi mari kupfuura kudiwa .
Uye mutengo wekunamatira musoro wako mujecha uri kungoenda kumusoro.
Mari yose yehutano muUnited States inenge $ 3 trillion pagore, iyo vatengi vanobhadhara kubva muhomwe ye $ 400 kusvika $ 500 mabhiriyoni-uye mugove wedu uri kuwedzera anenge 10 muzana pagore.
"Ndinoda kubheja kuti mugove wedu unongokwira," anodaro Thomas Torre weCopatient, kambani inobatsira vatengi kutaurirana chiremba uye zvipatara zvipatara.
"Izvozvo hazvigoneki."
Kuita zvakanaka zvibvumirano zvisarudzo, naizvozvo, kunobva pakuzvidzivirira nekunzwisisa kwechokwadi kwekutanga: kuva nekunyatsonzwisisa kwemashoko aunoona paunenge uchiverenga nezvezvirongwa zvehutano zvemazuva ano. (Aflac yakaedzwa izvi, zvakare) Vanhu vakawanda havaiti.) Uye wechipiri, kukwanisa kupindura mibvunzo miviri ichakuudza kuti rudzi rwechirongwa runogona kunge rwakakosha sei chikwama chako.
Kuita zvakanaka zvakanakira mazvisarudzo, saka, zvinoenderana nekuzvidzivirira iwe neruzivo uye kunzwisisa kwemashoko makuru einishuwarenzi pabasa.
Taura Mutauro
Kutanga, iwe unofanirwa kuva nekunzwisisa zvakasimba pahutano hwehutano inshuwarimi. Mukutsvakurudza kwayo, AFLAC yakawana vanhu vakawanda vasingabatisisi mazwi ehutano ehutano. Zvakaoma kuita sarudzo kana iwe usingazivi mitemo inotevera:
PPO: Sangano rinoda kupiwa. Iri urongwa hwehutano husingawanzokugadzirisa iwe kune vashandi vehutano hwehutano hwehutano (kana kuti kukuita kuti uwane hurumende kune vanyori) asi zvinoda kuti iwe ubhadhara mari yakakwirira ye-ye-pocket yevashandi vezvehutano kunze kwe-network
High Deductible Plan: Chirongwa chinoda kuti iwe ubhadhara huwandu hwekutarisira kwako (vanachiremba nemirairo) kusvika uchingosangana nehurukuro yako.
Unokodzera iwe kuti uzarurire HSA kana Aunti yeUkuchengetedza Utano.
HSA: Kuti ubatsire kukanganisa mari yekubhadhara kwako kwepamusoro, iwe uchange uine wekuchengetedza kwehutano iyo iyo iwe nemubhadha wako unogona kuisa mari yekusati yatere inogona kudyirwa uye kukura musero. Kana iwe ukashandisa mari yacho kuti ubhadhara mari yakakodzera yekushandisa mari, iwe kazhinji haufaniri kubhadhara mitero pairi paunoshandisa.
Premium: Mari yaunobhadhara-kazhinji pamwedzi-kutenga inshuwalhu yehutano.
Deductible: Mari yaunobhadhara kubva muhomwe yehutano hwehutano usati bhizimisi atanga kuripa chikamu chayo.
Co-mubhadharo: Mari yaunobhadhara kuhofisi kana kushandiswa kwemishonga inowedzera izvo iyo insurer inoripira (kusvikira uchinge wasangana nepamusoro pepamusoro pehomwe yako).
Coinsurance: Chikamu chebasa rekuchengetedza hutano iwe unofanirwa kubhadhara kusvika uchingosangana nehuwandu hwenyu hwepamusoro.
Zvisarudzo Zvikuru
Iye zvino unogona kuenderera mberi kunotora chirongwa chakanaka kwauri. Heano mazvisarudzo makuru zvaunoda kuita.
PPO vs. chirongwa chakakonzerwa neHSA. Kana uri kuwana chirongwa kuburikidza nemushandirwi wako, izvi zvinogona kunge zvaunosarudza. Kuti uite kudanwa, tarisa kumashure pamashandisirwo ako ekurapa mugore rapfuura. Kangani makaona chiremba? Ndeapi mitemo yawakazadza? Kana iwe uine hutano uye usatora mishonga yakawanda, iwe unowanzova nani pane chirongwa chakakosha chekudzikinura. Kana uine zvakatarisira mari yekurapa, kusanganisira mishonga, iwe unowanzova nani pane PPO.
Enzanisa iyo inotsvaira pamarayamu ayo. Cherechedza, ndakati "kazhinji zviri nani kubva." Zvinokwanisika kutevera iyo mirayiridzo uye kuita zvikanganiso. Saronga hurongwa hwehutano hwakavakirwa pamapurayamisi chete, maererano neongororo yeCopatient. Zvikomborero zvakakosha, asi haisi ivo chete chinhu chinofanira kufunga, anodaro Justin Sydnor, Associate Purofesa paWisconsin School of Business. Wedzera zvikwereti zvako zvegore negore uye uenzanise zvauri kubhadhara pamutemo wepamusoro-wekutengesa kune zvauri kuchengetedza pane zvakabviswa. Kana iwe waunoshandira ari kuita chipo kune A Health Savings Account kuti akanganise zvakanyanya kubviswa, iva nechokwadi chekutora izvozvo.
Funga nezvevanachiremba, mapurisa nemamwe mari. Iva nechokwadi chekuti iwe unofunga nezvezvimwe zvinhu zvisina mutengo wematengo akabatanidzwa. Ndivanachiremba wamunoda kuona pane chirongwa chako here? Ndiyo mishonga yaunogona kutora here? Iwe uchabhadhara zvakadini-muchimiro che copay kana coinsurance-nguva dzose kana uchienda kuchipatara? Tarisa munhoroondo yehutano wegore rapera, uye funga kuti unhu hwako huchava hwakafanana.
Uye kana iwe usingakwanisi kutenga mari yekugadzirira? Yeuka: chirongwa chinodhura chiri nani kudarika chinangwa zvachose.
Ndiina Kelly Hultgren