Bhizimisi yehutano inshuwarheni inodhura mari yekuita bhizinesi, kunyanya kumakambani maduku uye makamu amai-uye-pop. Nehurukuro yepayimusi inokura, vazhinji vadzimai vemabhizimisi vanokumbira vashandi vavo kuti vabate zvimwe zvinorema zvemari kana kubvisa zvikomborero zvachose.
I New York-based based Commonwealth Fund, boka rekukurudzira kwehutano hwehutano hwehutano, inotaura kuti hutano hwehutano hwehutano huripo huwandu hunodarika 18 kubva kune huwandu hwemabhizimisi makuru.
MuCalifornia, hutano yveshuwarhu mari yakawedzera 10 muzana muna 2006 chete, maererano neCalifornia Employer Health Benefits Survey.
Izvozvo zvinodhura zvakaratidzwa zvakanyanya kumabhizimisi maduku maduku. Maererano neU.S. Chamber of Commerce, vanopfuura mamiriyoni makumi mashanu veAmerica havasi kubatsirwe, uye inenge makumi matanhatu kubva muzana yevasina kuvimbiswa vanoshandiswa nemabhizimisi maduku.
Muna 2006, mavhareji emwedzi anokwana mari yehutano inshuwarheni yezvikwata zvishomanana, izvo zvakanyanya kushandiswa nemabhizimisi maduku, zvaive $ 311 pamwedzi, maererano neongororo yeAmerica Health Health Plans, boka rezvematongerwo enyika rinomirira makambani ehutano inshuwarisi. Ivhareji yemhuri yemhuri yevana yaiva $ 814 pamwedzi, sangano rakashuma.
Bhizinishuwarenzi yehutano yveshuwarisi inogona kutora chikamu chikuru kubva mumari yako, asi zvikomborero zvinowanzokoshesa vashandi vari nani uye kubatsira kuchengetedza vashandi varipo. Kugutsikana, vashandi vane utano vakanyanya kubetsera bhizinesi renyu kukura.
Kana uri kurwisana kupa hutano inshuwarisi, heano mamwe mazano anogona kuderedza bhizinesi rehutano hwehutano inshuwarhu.
1. Chengeta vashandi vane utano. Motorola Inc., somuenzaniso, yakagadzira chirongwa chakasimba chekuchengetedza zvirwere chinosanganisira chirwere chekutambudzika kwekutambudzika kwakafanana nesafi nechirwere cheshuga, pamwe nekupa chirwere chechirwere, kenza kuongorora, kushambadzira-kupedza zvidzidzo uye nhepfenyuro yefoni-ye-clock inoshandiswa ne vanesi.
Iko kambani yakawana kuti iyo dollar imwe neimwe yakaisa mari, yakachengetedza $ 3.93, maererano neshumo ra2003 reDhipatimendi reMweya reUnited States neHuman Services rinoshuma, "Kudzivirira Kunogadzira Cents Common." Saizvozvowo, mumiriri wemichina yakakura Caterpillar inofungidzira kuti chirongwa chacho chakanaka chichaponesa iyo kambani $ 700 mamiriyoni ne 2015.
Zvirongwa zvehutano hwakadaro hazvisi kungoita kuti vatengesi vekambani vafare. Ivo vanozivikanwawo nevashandi. Pharmaceutical giant Pfizer Inc. yakawana kuti 85 muzana yevashandi vayo muhofisi yayo yeNew York vakabatanidzwa mune imwe hurongwa hwehutano hwakanaka, uye kuti 80 muzana yakashandiswa pa-nzvimbo nzvimbo dzakadai sefitness fitness kana kuti physical therapy, maererano neshoko reHHS.
2. Kuderedza kugoverwa. Kucheka kuvhara kana kukumbira vashandi vako kuti vape mari yakawanda kurongwa ndeye danho rinonzwisisika rekuderedza mari shomanana yehutano inshuwarisi mari. Izvo zvakashata zvegadziriro iyi ndeyokuti zvingangodaro zvisingafarirwi nevashandi.
Zvakajairika kuti mabhizinesi asabvisa inshuwarisi yemeno uye yemaonero, asi taura nevashandirwi vako kuti vaone zvavanoda. Vanogona kusarudza kuva nehutano inshuwarano uye maonero ehutano yekuchengetedza, somuenzaniso.
3. Funga nezvekuchengetedza kwehutano maakaunti. Nhoroondo dzekuchengetedza kwehutano nhaurirano inowanzozivikanwa kune vene vemabhizimisi maduku. Iyi mitero-iyo isingabhadharwi mari, iyo inoshandiswa kubhadhara zvimwe zvikwereti zvemishonga, inogona kuderedza bhazinesi yako yehutano inshuwalense mari apo iwe uchipa vashandi vako mitero yekutora.
Iwe unofanirwa kuva ne-high-deductible yehutano inshuwarani chirongwa chekugadzira nhoroondo yekuchengetedza utano. Somuenzaniso, mugore ra2007 kuderedzwa zvishoma kwevanhu kune $ 1,100; kumhuri, iri $ 2 200.
Izvozvo zvinoreva kuti iwe kana vashandirwi vako vaifanira kubhadhara madhora 1,100 kubva muhomwe dzenyu dzekutarisira utano hwehutano zvakadai sokushanyira vanachiremba kana mitemo mushure mokutsiviwa nekambani ye inshuwarisi.
Asi kune zvipo zvinobatsira: Muna 2007, vashandi, vashandi, uye mhuri dzavo vanogona kupa mubhadharo kusvika kune $ 2,850 pamabhuku ega ehutano ekuchengetedza kana $ 5 650 yemabhuku edzimhuri. Iyi mari inogona kungoshandiswa kuvhara mari yekuchengetedza hutano, uye vashandi vanogona kutora mabhuku avo navo kana vakabva. Mari yacho haigoni kupera.
Mipiro uye kubvisa zvinhu zvose hazvina mutero, uye vanhu vanogona kutora kubhadhara mutero pamafomu avo 1040-kureva vashandi havadi kuitemi kuti vawane mutero. Mipiro yevashandirwi nayo inobhadhara mutero-vhudzi vemabhizimisi asi haadi. Vanhu vanogonawo kugadzira nhoroondo dzekuchengetedza hutano.
Kuti ugadzire kana kutora chikamu munyaya yehutano yekuchengetedza, utano hwako hwehutano hwese hwehutano hungave huwandu hwehutano hwehutano hwehutano uye hunofanira kupiwa kune vashandi vose.
Nhoroondo dzekuchengetedza hutano dzinobatsira vashandi vane utano avo vasingaoni nguva dzose vanachiremba. Iwe kana vashandi vako vanogona, zvakadaro, vane inshuwalhu yehutano inonyanya kurwara zvirwere, kusanganisira zvimwe zvirwere kana zvirwere, njodzi, mazino uye maonero ekuona.
4. Iva neboka. Sangano duku rehutano hwehutano hwehutano hunovhara pakati pevashandi vaviri uye makumi mashanu, kunyange zvazvo kune "boka rimwe chete" zvirongwa zvehushuwarisi dzevashandi vanozvipa zvipo zvakafanana.
Iko huru yeboka rako, pasi apa mapiamisi ako achava. Maererano neAmerica's Health Insurance Plans 2006 kuongorora, 80 muzana yemapoka mashoma akaongororwa aiva nevashandi gumi kana vashomanana muhutano hwavo hwehutano hwehutano, uye mavhareji emwedzi pamwedzi yevanhu mumwe nomumwe aiva $ 330. Makambani ane pakati pevashandi makumi maviri nemakumi maviri nemakumi mashanu vakabhadhara $ 287 pamwedzi pamishandirapamu imwe chete.
Kana bhizinesi rako rine vashumiri vanopfuura 10, unogona kushamwaridzana nemamwe mabhizimisi kana vanhu uye wedzera hurongwa hweboka rako. Cherechedza kuti mitemo yehutano inotungamirirwa nehurumende, saka iwe unoda kushamwaridzana nevanhu vari munyika yako.
5. Tenga zvakapoteredza. Inishuwarenzi yehutano ibhizimusi guru, saka kutengesa vanhu vakasiyana-siyana vanogona kuderedza bhizinesi rehutano hwehutano inshuwarhu mari. Tanga nekutsvaga paIndaneti uyewo kubvunza vamwe vadzimai vemabhizimisi maduku zvavanobhadhara kune inshuwarhu yehutano. Inishuwarenzi vashandi vanobhadhara mari, asi iwe uchachengetedza nguva uye vanogona kutsvaga zvirongwa zvehutano yehutano kwauri. Sangano reNational Federation of Independent Businesses rakabatana neEHealthInsurance, sangano renyika ye inshuwarisi yehutano inokupa maverengi akawanda emutsamba.
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