Akatswiri Amalongosola Kuti Mapulogalamu Achipatala Othandizira Anthu Otsalira Padziko Amasintha Zinthu Zachilengedwe
Kwa zaka zingapo zapitazi, Chithandizo Chamtengo Wapatali cha Care Act chakhala nacho chokhudzidwa kwambiri pa thanzi ndi msika wothandiza msika kuposa kale lonse. Komabe, ACA yayamba kale kusintha njira zomwe antchito angapindulire kwa mamiliyoni ambiri omwe abwera pantchito chifukwa cha zifukwa zingapo. Kusamalira ndalama, kugwirizanitsa madalitso ndi Medicare, komanso kuti anthu akukhalabe ntchito komanso kukhala ndi moyo nthawi yaitali ndi gawo chabe la kusintha.
Boma la Phindu la Ogwira Ntchito kwa Othawa Kwawo
Malinga ndi kafukufuku wochokera ku Towers Watson, othawa kwawo amayamba kuyang'ana kusintha kwakukulu m'mapulogalamu awo azachipatala omwe adzasinthe thanzi lawo ndi moyo wawo m'tsogolomu. Zosintha zikubwera chifukwa olemba ntchito akudandaula ndi kukwera mtengo kwa ndalama zopuma pantchito zowathandiza pantchito kuti ayesetsane bwino ndi ntchito zawo. Tiyeni tiwone zomwe kafukufukuyo akuwulula zokhudza mkhalidwe wa inshuwalansi za umoyo wa anthu ogonera ntchito.
Kafukufuku wa 2015 wokhudzana ndi umoyo wathanzi , womwe unayang'aniridwa ndi Towers Watson, unaphatikizapo antchito okwana 144 ochokera ku makampani akuluakulu ndi apakatikati omwe akupereka thandizo lachipatala. Izi zikuyimira makampani omwe akufuna kukwaniritsa kudzipereka kwao pantchito, ndipo chifukwa chake iwo anasankhidwa kuti apindule ndi kafukufukuyo ndi chifukwa chake akupitiriza kupereka zopindulitsa pambuyo poti antchito asiya malipiro.
Zosankha Zamankhwala Zamakono Zowonongeka Pano
Pogwiritsa ntchito kafukufuku wa Towers Watson, abwana 78 peresenti amagwiritsa ntchito kapena amaganiza za kugwiritsa ntchito ndalama zachinsinsi za Medicare kuti athandize othawa kwawo pokhapokha pokhapokha atasankhidwa. 90 peresenti amatsutsa ndalama zomwe zimakhala ndi udindo wowonjezera komanso wotsogoleredwa pazinthu za kusintha pa momwe ndondomeko zachipatala zosamaliramo ntchito zikugwiritsidwira ntchito, kuphatikizapo 84 peresenti yokhudzana ndi ERISA udindo.
Kugwiritsira ntchito phindu la ogwira ntchito kungathetsere ndalamazi ndi zofunika.
Oposa 40 peresenti ya abwana akuganiza zopereka thandizo lachipatala kwa othawa kwawo pogwiritsa ntchito mgwirizano wothandizira wothandizira 401 (h). Azimayi 21 peresenti ya olemba ntchito ayamba kutembenuza ndalama zomwe amapereka poti achotsere ndalama za ndalama za ndalama.
Zosintha Zatsopano Zopindulitsa kwa Othawa Kwawo
Chomwe mwasankha zatsopano kwa anthu ogwira ntchito pantchito omwe amalembedwa kuti 'Pre-Medicare' akuphatikizapo kugulitsa kwa inshuwalansi zapadera ndi zapagulu. Othawa kwawo amatha kupeza malonda omwe amafunikira komanso omwe amawathandiza kupeza ndalamazo panthawiyi. Njira ina yatsopano yopuma pantchito ndi olemba ntchito kugula annuities gulu kwa awo othawa ntchito pa capped mlingo. Olemba ntchito akamachita izi, udindo ndi ndalama zimatumizidwa kwa insurer. Izi zikuwatsimikizira kuti ndalama zopindulitsa zaumoyo zidzachitika pa moyo wa omasuka.
Kodi Causing the Shift ndi Zopindulitsa Zotani?
Mwinamwake mukudzifunsa chomwe chikuchititsa kusintha kwa mapulogalamu azachipatala kwa anthu omwe amapuma pantchito? Chimodzi mwa zifukwa zazikulu zomwe zimayendetsa kusintha ndiko kukwera kwa ndalama za chithandizo cha mankhwala kwa othawa kwawo. AARP Foundation ndi Fidelity Investments zikuwonetsa kuti, "banja lazaka 65 lomwe likutaya chaka chino lidzafuna madola 240,000 kuti lidzawononge ndalama zamtsogolo zamankhwala.
Izi sizimaphatikizapo mtengo wapatali wa chisamaliro cha nthawi yaitali. "Mwatsoka, Wothandizira Amapindula nawo Masamba Ofufuza Kafukufuku omwe," 60 peresenti ya ogwira ntchito apulumutsa ndalama zosakwana $ 25,000 pazopuma zawo ", zomwe zikutanthauza kuti anthu sakonzekera bwino za zosowa zawo zachipatala mtsogolo mmoyo. Anthu amafunika kukhala osamala za zachuma pantchito tsopano.
Chinthu chinanso choyendetsa galimoto ndi msonkho wamtengo wapatali pazinthu zamakono zotengera zaumoyo kuchokera kwa Odwala Pachirombo ndi Affordable Care Act, zomwe zidzakwaniritsidwa mu 2018. Malingana ndi mfundo za lamuloli lolembedwa ndi Cornell University, wantchito adzadziwongolera yekha mankhwala akhoza kuyembekezera kuti msonkho umenewu ukhale madola 10,200 wochulukitsidwa ndi kusintha kwa ndalama, ndipo wogwira ntchitoyo ali ndi chithandizo chopatulapo yekhayekha angakhoze kuyembekezera kuti kusintha kwa msonkho kudzakhala $ 27,500.
Kusinthaku kukugwiritsidwanso ntchito ndi olemba ntchito omwe akudandaula kuti zopindulitsa zawo zomwe zimachokera panopa sizikuthandizira kukopa ndi kusunga antchito. Zonsezi zikuyendetsa kusintha momwe mapulogalamu azachipatala amachitira ndi olemba ntchito awo omwe amapuma pantchito.
Olemba Ntchito Amakakamizika Kusintha
Pambuyo poyang'ana mayankho ochokera kufukufuku wa Towers Watson, olemba ntchito ambiri akuwoneka kuti akugwira ntchito poganiza kuti akukakamizidwa kuti asinthe kuti apume pantchito ndikusangalala nthawi yomweyo. Olemba ntchito akhala akugwira ntchito nthawi zonse kuti achepetse mtengo komanso chiwopsezo chochotsera ntchito zachipatala polemba ndalama zawo, kusintha ndondomeko ya mapangidwe awo ndi kuchepetsa kapena kuthetsa phindu la ntchito zatsopano. Olemba ntchito ayeneranso kuyesa kusintha zosowa zoyenera panjira.
Monga ndalama zimadzadutsa zaka zingapo, abwana adzafunika kusintha momwe mapulogalamu azachipatala amaperekedwa kwa othawa kwawo.
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