Phunziro Latsopano Limawulula Omwe Amawasunga Sungasunge Mokwanira Kapena Kumvetsa Mapindu Awo
Kodi Phunziro Limati Chiyani Ponena za Odwala Thandizo Labwino?
Nyuzipepala ya Health Care Consumerism ya 2016 yomwe inayendetsedwa ndi wogulitsa ndalama Alegeus akuwonetsa kuti ogulabe akudzimva kuti sakudziwa bwino zosankha zawo zaumoyo ndipo kotero ali ndi maganizo ochulukirapo pankhani ya chisamaliro. Ponena za lipotili, Alegeus adafufuzira ogula anthu oposa 1,000 kuti adziwe mfundo zawo zokhudza inshuwalansi. Anati:
- 66 peresenti adanena kuti sakudziwa kuchuluka kwa zofunikira kuti apulumutse ndalama zachipatala chaka chino
- 76 peresenti adanena kuti amayang'ana kupeza ndalama zabwino kwambiri
- 70 peresenti amasonyeza kuti sali otsimikiza konse kuti apindula phindu lawo la msonkho pazinthu zowononga zaumoyo
- Ndi 23 peresenti yokha yomwe ikupulumutsa molimba mtima zosowa zaumoyo
Zikuwoneka kuti pali kusiyana pakati pa malonda a zaumoyo ndi kumene ogula amaima, komwe kumakhudzana ndi mtengo wa thanzi labwino.
Madokotala alibe ndalama zogulira mankhwala. Posachedwapa ndikupita kwa anthu awiri odwala omwe ndi osiyana ndi a zachipatala, ndinkakonda kukambirana ndi madokotala anga za ndondomeko zothandizira zaumoyo komanso momwe zimagwirira ntchito padziko lapansi. Ngakhalenso dokotala sanazindikire mtengo wodabwitsa wa kunja kwa mthumba zomwe mapulani awa anali nawo kapena zolemetsa zazikuluzikulu zomwe ndinali nazo.
Madokotala awiriwo adanena kuti kunalibebwino kuti asakhale ndi inshuwalansi ya thanzi ndikulipilira malipiro ochepa omwe amaperekedwa ndi malo osowa kuchipatala. Ngati sizinali zofunikira kuti ndikhale ndi inshuwalansi yazing'ono kapena kuti ndikalandire malipiro pansi pa Obamacare, ndinafunika kuvomereza!
Kodi ogulitsa angakwanitse bwanji kupeza chithandizo chamankhwala akale atapatsidwa ndalama chifukwa cha inshuwalansi zomwe zikuwonjezeka kuposa ndalama zogula mtengo, ngakhale magulu azaumoyo? Kodi angagwiritse ntchito bwanji makasitomala, omwe ambiri mwa magulu a antchito akulandira ndalama zokhazokha pokhapokha ngati ali ndi umphawi pa ntchito zowonjezera, kuti athe kuika ndalama kuzinthu zowonongeka zachipatala? N'zosamveka kuyembekezera kuti wogula ambiri ali ndi ndalama zowonjezera zowonjezera cholinga ichi.
Taganizirani zomwe zingachitike ngati wogula alibe chithandizo cha inshuwalansi chokwanira ndipo ayenera kulowetsa ndalama kuti asamalire vuto lachidwi losadziŵika? Ulendo umodzi wokha wopita kuchipatala ukhoza kuika munthu ngongole.
Chofunika Chachikulu Chakuchiritsira Chisamaliro Nthawi Zonse
The Healthcare Bluebook amalemba mndandanda wamtengo wapatali wothandizira odwala pa USA. Pofika m'chaka cha 2016, njira zotsata zamankhwala zotsatirazi zalembedwa mu mtengo wa mtengo, wapamwamba kuposa wotsika:
- Appendectomy $ 9,968
- Ulonda Wam'mimba $ 6,568
- Kusaka ndi kumutu kwa $ 6,332
- Kusokonezeka kwa Mtima $ 6,025
- Kuchipatala kwa Matenda a Kumva $ 5,615
- MRI ya m'mimba $ 920
- Lamulo linaponyera $ 253
- Psychotherapy (Mphindi 45) $ 160
- Mankhwala ozunguza ndalama $ 135
Kafukufuku wa Google Consumer oposa 5,000 anasonyeza kuti 62 peresenti ya anthu a ku America ali ndi ndalama zosachepera $ 1,000 pa ndalama zawo, ndipo pafupifupi 21 peresenti alibe ndalama yosungiramo akaunti. Ocheperapo 10 peresenti adanena kuti amakhala ndi ndalama zokwanira pa ndalama zawo kuti asamapereke ndalama zogulira mabanki - mabanki ambiri ali pafupi madola 300. Taganiziraninso za ogula omwe anali ndi ndalama zambiri panthawi yachuma cha 2008 - bungwe lina la US Federal Reserve la akuluakulu 4,000 linavumbulutsa kuti 57 peresenti ya anthu a ku America adagwiritsa ntchito ndalama kapena ndalama zawo zonse panthawiyo, n'kuzisiya ndi matumba opanda kanthu.
Izi ndi zoopsa, poganizira kuti ulendo umodzi kwa dokotala ukhoza kuthetsa mosavuta akaunti ya munthu.
Ogulitsa ena amasankha kugwiritsa ntchito makonzedwe apamwamba a ndalama, ndalama za kubwezeretsa zaumoyo, ndi akaunti zosungira ndalama kuti asamalire ndalama zowonjezera zosowa zaumoyo. Izi zimakhala zokopa kwambiri kwa iwo amene ali kale ndalama zambiri kuti athe kulipira chithandizo chamankhwala nthawi zonse ndi mankhwala osokoneza bongo, komanso kwa antchito omwe ali ndi makampani ofanana ndi madola. Kliniki ya Mayo imalangiza kuti pangakhale mavuto ena omwe angakhale nawo pokonza ndalama, kuphatikizapo:
- Matenda ndi thanzi likhoza kukhala losadziwika kwambiri, kotero zingakhale zovuta kupanga bajeti zosowa zaumoyo
- Zingakhale zovuta kupeza zambiri zolondola za momwe mtengo ndi khalidwe lachipatala zimakhalira
- Sikuti aliyense ali ndi chilango choyika ndalama mu akaunti yosungirako
- Anthu okalamba omwe akukumana ndi mavuto azaumoyo omwe angakhale nawo pa zovuta zowonjezera ndipo sangathe kusunga zokwanira
- Kupsyinjika kwa kusunga ndalama mu akaunti yopezera ndalama kungalepheretse anthu kuti ayambe kuchipatala
- Ndalama zomwe sizingagwiritsidwe ntchito zachipatala zikhopetsedwa ngati wogula akugwiritsa ntchito HSA wawo mwachisawawa
Pali mavuto enanso omwe ali ndi akaunti yopezera ndalama zomwe zingabwere. Kwa amodzi, ogula sali ophunzira mokwanira momwe angagwiritsire ntchito bwino iwo. Ndalama zingakhale mu akaunti yosagwiritsidwa ntchito kwa zaka, zomwe ndizowononga ndalama. Zochitika zina zamankhwala zingakane kupereka odwala kuchotsera kulipira kutsogolo kwa ndalama zamankhwala, ngakhale wodwalayo akufunsa izi ndipo safuna kupereka chilolezo ndi kampani ya inshuwaransi. Ogulitsa omwe ali ndi zaka 65 kapena kupitirira sangakwanitse kulandira ndalama zachuma. Pomalizira, mabanja amaletsedwa ngati makolo onse akugwira ntchito ndipo ali oyenerera kulandira ndalama - imodzi yokha imaloledwa pa banja ndipo makolo onse ayenera kulembedwa ku HDHP.
Kuchokera kwa Pocket kwa HDHPs ndi HSAs
Pakalipano, ndondomeko zothandizira zaumoyo zowonongeka zimachokera pa $ 2,000 mpaka $ 13,000 pachaka. Mitengoyi, yoikidwa ndi Internal Revenue Service chaka chilichonse, ikani malire pa:
Kwa chaka cha 2016 kalendala, OOP ndi malire ochepa ndi awa:
Zochepa-
- Kulipira $ 1,300
- Kulimbitsa banja kwa $ 2,600
Maximums -
- Kulipira $ 6,550
- Kubwereza kwa banja $ 13,100
Ndalama za ndalama zomwe zimapereka ndalama ku 2016 ndi izi:
- Kudzipangira $ 3,350
- Kubwereza kwa banja $ 6,750
Zomwe zili pamwambazi zimakhala m'maganizo, ndipo mabanja ambiri amapereka ndalama zokwana madola 400 mpaka 800 pamwezi mu HDHP mapepala oyendetsera mapulani, pali kusiyana kwakukulu pakati pa zomwe ogula angasunge ndi zomwe angathe. Ambiri sakudziwa momwe angaperekere chifukwa chodandaula chimodzi chokhudza zaumoyo. Sabata limodzi mu chipatala, ndi mayesero a batri ndi mayeso omwe adalamulidwa ndi madokotala, amatha kubweretsa ndalama zokwana madola 50,000 kapena kuposa. Icho chiri pa mbali yothandizira.
Momwe Olemba Ntchito Angaphunzitsire Ogwira Ntchito Ponena za Kukhala Osamalira Thanzi Labwino
Pamapeto pake, ndi kwa olemba ntchito kuti apereke maphunziro ndi mauthenga omwe antchito ayenera kukhala ochenjera, ogula mankhwala othandiza. Kutumiza zowonjezera ubwino wowunikira maphunziro chaka chilichonse sikokwanira. Pali njira zingapo zomwe makampani angaphunzitsire ndi kuthandizira ogwira ntchito zathanzi.
1. Gwiritsani Ntchito Zigawo Zophunzitsa Kufotokozera Zopindulitsa Zopindula, Kuwerengera Zomwe Zimakhalapo, ndi Zosungira Zosungira
Asanayambe kulembetsa, panthawi yomwe akugwira ntchito, komanso panthawi yoopsa ya nthawi ya umoyo - olemba ntchito angathe kulemba nthawi yophunzitsa. Awapatseni mitu yoyandikana nawo kuti apulumutse ndalama pazithandizo zaumoyo ndi mankhwala, kupeŵa mavuto a thanzi, kuwonjezereka kwa ndalama, ndi momwe mungasankhire chisamaliro chapamwamba. Gawani zina mwa zipangizo zomwe tatchulidwa apa kuti ogula akhoza kugulitsa kuzungulira ndalama zabwino pa njira zachipatala, maulendo oyendayenda, ndi zina zambiri.
2. Perekani Mgwirizano Wa Zamankhwala Kwa Ogwira Ntchito Onse omwe Amawathandiza
Kampani iliyonse iyenera kupatulira ndalama zothandizira antchito omwe akudwala matenda owopsa kapena kuvulala koopsa. Izi zikhoza kukhala thumba la anthu omwe antchito onse angapereke ndalama zochepa kuchokera kwa olipilira onse. Odala omwe amapereka ndalama zothandizana ndi kampani ndi zina zomwe zimawathandiza kuti azigwira nawo ntchitoyi. Khalani ndi komiti yowonongeka ndi mfundo ya munthu wothandizira kuti apereke ndalama pakufunika.
3. Perekani Ogwira Ntchito Kupeza Zida Zamalonda
Ogulitsa ambiri achita zizoloŵezi zoipa za overspending ndi undersaving. Pangani ndalama zosungiramo cholinga chabwino mwa kugawana zipangizo zamalonda zomwe zimawathandiza kufufuza ndalama ndi bajeti, kukonza ndalama, ndikuyamba kuika ndalama zambiri mu akaunti zawo zapadera komanso zachuma. Pamene antchito amadziona kuti ali otetezeka pa tsogolo lawo la zachuma, sakhala osokonezeka kwambiri ndipo zimapindulitsa kwambiri.
4. Chaka chilichonse, Sungani Mapulani Amagulu Amagulu Amtundu Wathanzi ndi Opindulitsa Kwambiri
Tengani udindo pa gawo lolemetsa la chithandizo chamankhwala chotheka. Gwirani ntchito moyang'anizana ndi ogwira ntchito zachipatala ndi odzipereka kuti muike mapulani a inshuwalansi a gulu omwe ndi otsika mtengo koma perekani mtengo wapatali. Musaperekenso antchito powapatsa mapulani omwe alibe chithandizo chabwino kapena kutenga nawo mbali pazipatala zamankhwala.
5. Khalani ndi ndondomeko yotsegula pakhomo kuti muwathandize antchito ndi mafunso awo azachuma
Zingakhale zokopa kuti antchito azilembera phindu pokhapokha atawapatsa kabuku. Musaganize kuti iwo adzamvetsa zolinga zachipatala konse. Ofufuza pa yunivesite ya Carnegie Mellon adapeza kuti 14 peresenti ya anthu a ku America a zaka zapakati pa makumi awiri ndi makumi awiri mphambu makumi awiri ndi zisanu ndi ziwiri (64) aliwonse amadziwa bwino za inshuwalansi. Khalani ndi katswiri wodziwa ntchito mu Dipatimenti ya HR yanu yokonzeka kuyankha mafunso alionse ndi kufotokozera mawu okhudzana ndi chithandizo chamankhwala.
6. Pangani ndi kukhazikitsa Chikhalidwe cha Umoyo wa Umoyo ndi Umoyo
Ngakhale kulibe ndalama zomwe olemba ntchito angathe kuchita kuti athandize ogula kuti asamalire thanzi lawo, kulimbikitsa ogwira nawo ntchito kuti azichita nawo malingaliro otsika mtengo komanso kuthana ndi matenda akuluakulu omwe akuyenera kuti azikambirana nthawi zonse. Olemba ntchito angathandize kwambiri ogwira ntchito kuti azikhala ndi moyo wathanzi powapatsa thandizo komanso maphunziro abwino . Zida zolimbitsa thupi, magulu othandizira, ndi zosankha zabwino za chakudya pa msasa zingapangitse kusiyana kwakukulu kwa antchito omwe angakhale akuyesetsa kuti akhalebe oyenera ndi kuchepetsa nkhawa.
Sichiyembekezeredwa kuti ndalama zothandizira zaumoyo zidzatha; Ndipotu, iwo adzapitirizabe kukula m'zaka zikubwerazi. Koma, ogula amatha kudziwa bwino kumene amagwiritsira ntchito ndalama zawo zachuma komanso zomwe amasankha kuchita mogwirizana ndi maudindo a zaumoyo.