Nyanzvi Dzinofanotaura Kuti Zvirongwa Zvoutano zveVashandi Vanoshandura Dhigirii
Mumakore mashomanana apfuura, Affordable Care Act yakave nechinangwa chikuru pane mararamiro ezvehutano uye zvezvehutano kupfuura zvataimboona. Zvisinei, ACA inotanga kushandura nzira iyo vashandi vanogona kubhadharwa nemamiriyoni evanhu vanouya kubhadhara pane zvimwe zvinhu. Utano hwekutengesa mari, kubatana kwezvipo neMurengeti, uye chokwadi chokuti vanhu vari kugara vachishanda uye kurarama kwenguva yakareba inongova chikamu chekuchinja uku.
Ihurumende Yezvikomborero Zvevashandi veVashandi
Maererano neongororo inobva kuTourers Watson, vashandirwi vachazotanga kuona kuchinja kukuru muzvirongwa zvavo zvezvehutano zvichatshandura hutano hwavo uye hupenyu huri mune ramangwana rakatarisika. Kuchinja kuri kuuya nokuti vashandi vane hanya nemari yekuwedzera yekubvisa hutano huripo mukuedza kuenzanisa zviri nani nemaitiro avo evashandi. Ngatitarisei zvinongoratidzwa neongororo pamusoro pehutano hwehutano hwehutano hwemishandiro ehurumende yevakabhadhara.
Nyaya yeSvondo ya2015 pamusoro pekutora hutano hwezvekuchengetedza hutano , yakatungamirirwa naTower Watson, yakabatanidza vanhu vane masimba makumi mana nevanomwe kubva kumakambani makuru uye mashoma-diki iye zvino anopa mamwe maitiro ekuregererwa kwekurapwa mune zvekurapa. Idzi dzinomirira makambani anoda kuzadzikisa kuzvipira kwavo kune vakasiya mari, ndicho chikonzero ivo vakasarudzwa nokuda kwechinangwa chekuongorora uye nei vachiri kupa zvipo zvehutano mushure mekunge vashandi vakasiya mapepa ekubhadhara.
Current Retiree Health Options Available
Kubva paongororo yeTowers Watson, 78 muzana yevashandi vari kushandisa kana kufunga pamusoro pekushandisa mushandi wega wega Medicare kushandiswa kuti vabatsire avo vakasiya mari kana zvichiuya pakusarudza ivo pachavo kugoverana. 90 kubva muzana vanokanganisa mari yekuwedzera uye yekuenderera mberi kwehutungamiri pamabasa ekushandurwa kwekuti zvirongwa zvekurapa zvekare zvinoshandiswa sei, kusanganisira 84 muzana inobata ne ERISA kusungirwa.
Kushandisa zvikwereti zvevashandi kunogona kukanganisa izvi zvinodhura uye zvinoda.
Vanopfuura makumi mana kubva muzana yevashandi vari kufunga nezvekubhadhara mari yezvechiremba yevanoshandira mari vachishandisa musangano wevashandi vanozvipira 401 (h). Vamwe 21 muzana yevashandirisi vatanga kutendeutsa rubatsiro rwavanopa muzvikwereti zvekuchengetedza mari dzekurapa.
Zvitsva Zvitsva Zvingasarudzwa zveVatengi
Imwe yezvisarudzo zvitsva zvevakabhadhara avo vanonzi 'pre-Medicare' inosanganisira kuvanzika kwehutano hwehutano nehupfumi. Vapoteri vanogona kutengesa zvigaro zvehutano zvavanoda uye zvinosangana nemari yavo munguva ino. Imwe nzira itsva yevakabhadharwa ndivo vashandi vanotenga mabhizimusi emapoka evanotora pamba pamutambo we capped. Apo vashandi vanoita izvi, mutoro uye mari yemutoro inotamirwa kune insurer yakarongwa zvikuru. Izvi zvinotsigira kuti mari yehutano inobatsira ichaitika nokuda kwehupenyu hwekusununguka.
Chii chinokonzera Causing the Shift muZvibatsiro zveVaRetirees?
Iwe unogona kunge uchishamisika chii chinokonzera kuchinja kwezvirongwa zvezvechiremba zvevakabhadharwa? Chimwe chezvinhu zvikuru zvinotungamirira kuchinja ndiko kuwedzera kwekurapa kwekurapa kwevatorwa. IAARP Foundation neFidelity Investments inoratidza kuti, "vakaroorana vane makore 65 vanozobvisa gore rino vachada $ 240,000 kuti vawane mari yemangwana mune ramangwana.
Izvozvo hazvirevi mari yakakwirira yekuchengetedza kwenguva refu. "Zvinosuruvarisa, Mubashandi Anobatsira Purogiramu Inotsvakurudza Inoti ," 60 muzana yevashandi vakachengetedza mari inopfuura madhora makumi maviri nemakumi maviri emadhora ekubhadhara kwavo ", izvo zvinoreva kuti vanhu havana kugadzirirwa kugadzirisa mari zvezvido zvavo zvekurapa gare gare muhupenyu.Vanhu vanoda kunyatsoziva nezvekutsvaga mari yekurasikirwa ikozvino.
Chimwe chikonzero chinotya kuchinja ndeye mutero wemari yepamusoro pamapurogiramu ezvehutano zvakakosha kubva kuMurwere Kudzivirira uye Affordable Care Act, iyo inotanga kushanda muna 2018. Maererano nemashoko emurairo uyu akabudiswa neCornell University, mushandi achazvipira oga vanogona kutarisira kuti mutero uyu uve $ 10,200 wakawedzerwa nehutano hwekugadziriswa kwemari, uye mushandi ane ruzivo kunze kwekuzvidzivirira oga anokwanisa kutarisira kuti kugadzirisa mutero kuve $ 27,500.
Kuchinja kuri kuve kuendeswa nevashandirwi vachireva kubhadharwa kwavo kwemazuva ano hakubatsiri pakukwezva nekuchengetedza vashandi. Zvose izvi zvinotungamirira kuchinja kwokuti mapurogiramu ekurapa anobatwa sei nevashandi kune avo vakasiya basa.
Vashandi Vanomanikidzwa Kuita Kuchinja
Mushure mekutarisa mhinduro kubva kuTrans Watson Watson, vashandirwi vakawanda vanoita sevari kushanda pasi pekufunga kuti vanomanikidzwa kuita shanduko kuitira kuti varambe vakagamuchira basa vachifara uye vanobudirira panguva imwe chete. Vashandi vakashanda nguva dzose kuti vaderedze mari uye mukana wekurega basa rezvechiremba kuburikidza nekunyorera rubatsiro rwavo, kuchinja zvirongwa zvekugadzira uye kuve nokudzikisa kana kupedzisa zvikwereti zvezvikwereti zvitsva. Vashandi vakaedzawo kuchinja kushandiswa kwekudiwa kune nzira.
Sezvo mari inokwira pamusoro pemakore mashomanana anotevera, vashandi vachada kugadzirisa matanho ekurapa kwezvokurapa anopiwa kune vakasiya mari.
Mufananidzo Wechikwereti: © sepy - Fotolia.com