Shanduro Yitsva Inoratidza Vashandi Usachengetedze Zvakakwana kana Kunzwisisa Kubatsirwa Kwazvo
Icho Chidzidzo Chinotii Nezve Utano Kutarisira Vatengi
Iko 2016 Healthcare Consumerism Index yakaitwa nevatengi mari yekuchengetedza mari Alegeus inoratidza kuti vatengi vachiri kunzwa vasina chokwadi nezvezvisarudzo zvehutano hwavo uye naizvozvo vari kuwedzerwa mari yekufunga nezvehutano pazvinouya pakutarisira utano. Pamushumo uyu, Alegeus akaongorora vanopfuura 1 000 vanotarisira utano kuti vaone mazano avo nezvehutano inshuwarisi. Ivo vakati:
- 66 muzana vakati havana kuziva kuti vaida zvakadini kuchengetedza mari yehutano gore rino
- 76 muzana vakataura kuti ivo vanofunga nezvekuwana zvakanakisisa mari yavo
- 70 muzana vakaratidza kuti havasi zvachose vane chivimbo chokuti vakawedzera mitero yavo yemitero yezvirongwa zvekuchengetedza utano
- 23% chete ndeyekuchengetedza zvine utsinye kune zvinodiwa zvehutano
Ikoko kunoratidzika kuva nekuparara pakati pezvokuchengetedza kwehutano uye apo vatengi vamire, iyo inopindirana nemari yehutano hwakanaka.
Vanachiremba vane clueless pamutengi kurapa mari. Munguva pfupi iri kushanyira kune avo vaviri vakasiyana-siyana vanorapa utano, zvose zvekudzivirira kuchengetedza nguva dzose, ini pachedu ndaitaurirana navanachiremba vangu pamusoro pemhando yezvirongwa zvekuchengetedza kwehutano zvakanyanya uye kuti inoshanda sei munyika chaiye. Hazvirevi chiremba anoziva kushamisika kwekunze kwemahomwe ayo mapuranga aya aive nawo kana mutoro mukuru uyu waiva nawo kwandiri.
Vose vanachiremba vakataura kuti zvaive zviri nani kusava nehutano inshuwarisi uye kungobhadhara zvakaderedzwa kubhadhara kubhadhara mari inopiwa nezvipatara. Kana zvisiri zvekudiwa kuti uve nehutano hwehutano inshuwarheni kana kuti kutarisana nemari pasi pe Obamacare, ndaifanira kubvumirana!
Ko vashandi vanogona sei kutarisira kuchengetwa kwehutano pavanenge vatotanirwa mari nokuda kwemaripo yerurimi iri kuwedzera kudarika mari inodhura, kunyange nezvirongwa zvehutano hweboka? Ko vashandi, vazhinji vavo vari mumiganhu yevashandi vanowanikwa pamusoro pehurombo huri muhuwandu hwemabasa emari, vanogona kuisa mari kure mune zvirongwa zvekuchengetedza hurongwa hwekurapa? Hazvina musoro kutarisira kuti muvhareji wevatengi ane mari yakawedzerwa yakasungirirwa nekuda kwechinangwa ichi.
Chimbofunga zvinogona kuitika kana mutengi asina hutano hwehutano hwehutano uye anofanira kupindira mune mari yega yega kuti abhadhara zvinetso zvoutano zvisingatarisirwi? Imwe chete yekutsvaga mukana yekukurumidza inogona kuisa munhu mune chikwereti.
Iko Kukosha Kwakawanda kweRoutine Care Care
IHealthcare Bluebook inonyora tsika dzemitambo yehutano hwehutano huri muU.SA. Kubva muna 2016, nzira dzekurapa dzinotevera dzinorongedzwa muhutano hwemari, yakakwirira kusvika pasi:
- Appendectomy $ 9,968
- Dumbu reDumbu $ 6,568
- Seizure uye Headache $ 6 332
- Kutambudza Mwoyo $ 6,025
- Hospitalization nokuda kweNhepfenyuro yeNzeve $ 5,615
- Abdominal MRI $ 920
- Leg cast $ 253
- Mumwechete Psychotherapy (Maminitsi 45) $ 160
- Flu treatment $ 135
Sangano reGoogle Consumer Survey revanhu vakuru vanosvika 5 000 vakaratidza kuti 62 muzana yeAmerica vane mari inopfuura $ 1 000 mumari yavo yekuchengetedza, uye vanenge 21 muzana havana kunyange nekamuri yekuchengetedza. Vanodarika 10 kubva muzana vakati vakachengeta mari yakakwana mumari yavo yekuchengetedza kuti vasachengetedze mari yekuchengetedza mabhengi - kune mabhanji akawanda aya ari madhora madhora 300. Fungawo nezvevatengi vaiva nemari yakachengetedzwa vasati vasvika pamatambudziko ekudarika kwepasi - sangano reU.S. Federal Reserve revakuru vevanhu 4 000 vakaratidza kuti 57 muzana yevanhu veAmerica vakange vashandisa zvimwe kana kuti zvose zvavaichengeta panguva iyoyo, vachivasiya vane mapako asina chinhu.
Izvi zvinotyisa, tichifunga kuti kushanyira kamwe chete kuna chiremba kunogona kubvisa nyore nyore kondomu yekuchengetedza kwemunhu.
Vamwe vatengi vanosarudza kushandisa zvirongwa zvekuchengetedza hutano, marenda ekubhadharwa kwehutano, uye shanduko dzekuchengetedza mabhuku kuisa mari kubva kune zvido zvehutano. Izvi zvinonyanya kukosha kune avo vari kutowedzera kubhadhara mari yekubhadhara kurapwa nguva dzose nemishonga yemishonga, uye kune vashandi vane kambani yakaenzana nemadhora. Mayo Clinic inopa zano kuti panogona kunge kune zvimwe zvingangova zvirwere pamwe nekugadzirisa kuchengetwa kwehutano, kusanganisira:
- Urwere uye hutano zvinogona kunge zvisingazivikanwi zvikuru, saka zvinogona kuva zvakaoma kuronga hurongwa hwekuchengetwa kwehutano
- Zvinogona kuoma kuwana ruzivo rwakarurama pamusoro pemari uye unhu hwekurapa
- Haasi munhu wose ane chirango chekuisa mari pamari yekuchengetedza
- Vanhu vakwegura vanotarisana nezvinetso zvehutano izvo zvingave zviri pamari yakaoma uye haigone kuchengetedza zvakakwana
- Kushingaira kuchengetedza mari munyaya yekuchengetedza yehutano kunogona kudzivirira nhengo kubva pakutsvaga kurapwa
- Kwete-mari yezvemari ichabhadhara kana mutengi achikanganisa kushandisa HSA yavo
Pane dzimwe matambudziko nemabhengi ekuchengetwa kwehutano izvo zvinogona kuuya. Kune rimwe, vatengi havana kudzidziswa zvakakwana pamusoro pokuti vanogona sei kushandisa mazviri. Mari dzinogona kugara mune imwe nhoroondo isina kushandiswa kwemakore, iyo inoparadza mari. Mamwe maitiro ezvokurapa angaramba kuramba kupa varwere kubhadharwa kubhadhara pamberi pezvokurapa, kunyange kana murwere achikumbira izvi uye asingadi kuisa kuda nekambani ye inshuwarisi. Vashandi vane makore 65 kana pamusoro havagoni kubhadhara maakareji ekuchengetwa kwehutano. Pakupedzisira, pane mitemo kumhuri kana vabereki vose vari kushanda uye vakakodzera kugadzirisa zvirongwa zvehutano - imwe chete inobvumirwa pamhuri uye vabereki vose vanofanira kunyorwa muHDHP.
Kunze kwePocket Zvinowanikwa kune HDHPs uye HSAs
Pari zvino, zvirongwa zvekuchengetedza hutano zvakanyanya kubva kubva $ 2,000 kusvika ku $ 13,000 gore roga roga rokunze. Izvo zvikwereti, zvakagadzwa neInternal Revenue Service gore roga roga, isa miganho pa:
Kwegore re2016, gore re2016, OOP shoma nekukwirira kwemiganhu ndeyotevera:
Minimums-
- Kuzvidzivirira $ 1,300
- Mhuri-kubhadhara $ 2 600
Maximums -
- Kuzvidzivirira $ 6,550
- Mhuri-kuvhara $ 13,100
Nhoroondo yehutano yekuchengetedza mitezo yemiganhu ye 2016 ndeyi:
- Kuzvidzivirira $ 3 350
- Mhuri-kubhadhara $ 6 750
Izvo zviri pamusoro apa zviri mupfungwa, uye mhuri dzakawanda dzinobhadhara pakati pe $ 400 - 800 pamwedzi muHRHP hurongwa hwepurogiramu, pane gaka rakawanda pakati pezvinotengeswa nevatengi uye zvavanokwanisa. Vakawanda havana chokwadi nezvekuti vangakwanisa sei kubhadhara chimwe chinhu chinotyisa chine utano hwehutano. Vhiki imwe chete muchipatara, nebhateri rekuedzwa uye zvikwangwani zvinorayirwa navanachiremba, zvinogona kuunza nyore mari ye $ 50,000 kana kupfuura. Icho chiri pamativi akachengetedza.
Mavashandi Anokwanisa Kudzidzisa Vashandi Nezvekuita Basa Routano Vanotengesa Vatengi
Pakupedzisira, zviri kune vashandi kupa ruzivo uye ruzivo rwekuti vashandi vanofanira kuva vakachenjera, vanogona kutarisira utano hwevatano. Kutumira rubatsiro rwekunyora ruzivo rwegore negore hazvikwani. Kune nzira dzakawanda iyo makambani anogona kudzidzisa uye kutsigira vashandi voutano.
1. Bata Zvidzidzo Zvekudzidzisa kuti Utsanangure Mari Inobhadhara, Kuvhara Kwezvipo, uye Zvimwe Zvokuchengetedza
Usati wasvika pakubatanidzwa, paunenge uchishanda, uye munguva yakawanda yekutadza kwemazuva ehutano - vashandi vanogona kuronga zvidzidzo zvekudzidzisa. Vadzidzise pamativi ose ekuchengetedza mari pamusoro pekuchengetwa kwehutano nemishonga, kudzivirira matambudziko ehutano, kuwedzerwa kwehutano hwekuchengetedza, uye nzira yekusarudza kutarisira kwakanaka. Itai zvimwe zvezvigadzirwa zvinotaurwa pano kuitira kuti vatengi vatange kutengesa zvakapoteredza zviyero zvakanakisisa pakurapa, chiremba vanoshanyira, nezvimwewo.
2. Ipa Emergency Medical Fund kune Vashandi Vose Vanovabatsira
Kambani imwe neimwe inofanira kuisa parutivi mari yekurapa kuti ibatsire mushandi anotarisana nechirwere chakaipa kana kukuvadzwa kukuru. Izvi zvinogona kuva chikamu chemunharaunda iyo vashandirwi vose vanogona kugovera mari shoma kubva pamaripo yose. Mubayiro unopa vashandi vekambani pamwe nezvimwe zvinotarisirwa kuita kuti vaite basa iri kuronga. Iva nekambani yekuongorora uye nharo yekuonana nomunhu kuti ape mari apo inoda.
3. Ipai Vashandi Kuwana Zvekushandisa Kwemari
Vazhinji vashandisi vakapinda mumitemo yakaipa yekudarika uye kuisa pasi. Ita mari yekuchengetedza chinangwa chakanaka kuburikidza nekugovana zvishandiso zvemari zvakanaka zvinovabatsira kuongorora mari yavo nemari, kubhadhara mari, nekutanga kuisa mari yakawanda mumabhuku avo ehupenyu uye ehutano. Apo vashandi vanonzwa vakachengeteka pamusoro pehupenyu hwavo huri mune ramangwana, havanyanyi kushandiswa uye vanoita zvakawanda.
4. Gore roga roga, Chengetedza Zvirongwa zveHutano zveBhuku Dzepamusoro Zvikwanisika neIyo Yakanakisisa
Tora mutoro wechikamu chemutoro wekutarisira utano hwakakwana. Shingaira pamwe nevarapi uye vanozvipira chirongwa chekuronga kuisa pamwe mapoka ehurumende yveshuwarisi iyo yakadhura mari asi ipe yakanakisisa kukosha. Usapedzisira uchishandura vashandi nekupa zvirongwa zvisingabatanidzi zvakanaka kana kutora nhengo dzakawanda dzezvipatara.
5. Iva nePurogiramu Yakazarura Muruza yekubatsira Vashandi neMibvunzo yavo yeMari yezveMari
Zvinogona kuva kuedza kubvumira vashandi kuzvinyora muzvikomborero mushure mokuvapa bhurocha. Usambofungidzira kuti ivo vachanzwisisa zvirongwa zvehutano pahutano. Vatsvakurudzi veCarnegie Mellon University vakawana kuti 14% chete yevaAmerica vane makore 25 kusvika ku64 vaiva nenzwisiso yezvinyorwa zvinonyanya kushandiswa. Iva neunyanzvi huri muruoko mune dhipatimendi rako reHR rakagadzirira kupindura mibvunzo ipi neipi uye rondedzera kusagadzikana kwemashoko ekuchengetedza utano.
6. Kuvandudza uye Kutanga Mutemo Wemagariro Ehutano Nehukama
Nepo pasina zvakawanda izvo vashandi vanogona kuita kuti vamwe vatengi vaite zvakanaka kutarisa hutano hwavo, kukurudzira vashandi kuti vatore chikamu mumadhora ekudhura zvakatarisana nekutarisana nezvirwere zvakakomba zvakakomba gare gare inofanira kunge iri hurukuro inopfuurira. Vashandi vanogona kuita basa guru mukubatsira vashandi kuti vatungamirire mararamiro avanoita nekupa rubatsiro rwehutano hwakanaka uye dzidzo . Maikirwo emafungiro anoshamwaridzana, mapoka ekutsigira, uye sarudzo dzehutano hwakanaka pamusasa unogona kuita mutsauko mukuru kuvashandi vangave vachitambudzika kuti varambe vakagadzikana uye kuderedza kushushikana.
Hazvatarisirwi kuti mari yekuchengetedza utano ichazombopfuura; zvirokwazvo, vangangoramba vachikwira mumakore anotevera. Asi, vatengi vanogona kunyatsoziva nezvekushandisa kwavanoita kurapa kwavo kwehutano uye zvipi zvirongwa zvavanosarudza kuita maererano nemitemo yehutano.