Inshuwalansi ya zachuma ndizofunika kwambiri kuchita bizinesi, makamaka makampani ang'onoang'ono ndi makampani a amayi ndi apamwamba. Pokhala ndi ndalama zapayimayi, abwana ambiri am'chipinda akufunsa antchito awo kuti azikhala ndi katundu wambiri pazinthu zachuma.
Bungwe la New York-based Commonwealth Fund, gulu lodziwitsira za kusintha kwa chisamaliro cha zaumoyo, akuti inshuwalansi ya thanzi laling'ono imakhala yoposa 18 peresenti kuposa ya malonda akuluakulu.
Ku California, inshuwalansi ya zaumoyo inachepetsa 10 peresenti mu 2006 yokha, malinga ndi California Employer Health Benefits Survey.
Ndalama zimenezo zatsimikizirika kwambiri kwa bizinesi zambiri zazing'ono. Malingana ndi US Chamber of Commerce, anthu oposa 45 miliyoni a ku America sali otsimikiziridwa, ndipo pafupifupi 60 peresenti ya osagwiritsidwa ntchito amagwiritsidwa ntchito ndi malonda ang'onoang'ono.
M'chaka cha 2006, bungwe la America Insurance Health Plans, lomwe limagwiritsidwa ntchito ndi makampani a inshuwalansi ya zaumoyo, amawononga ndalama zokwana madola 311 pamwezi. Chiŵerengero choyamba cha banja la anayi chinali $ 814 pa mwezi, bungwe lipoti.
Bungwe la inshuwalansi laling'ono la bizinesi lingatenge ndalama zambiri, koma phindu limapangitsa ogwira ntchito bwino ndikuthandizira ogwira ntchito omwe alipo. Okhutira, ogwira ntchito wathanzi amatha kuwathandiza bizinesi yanu kukula.
Ngati mukuvutika kuti mupereke inshuwalansi yaumoyo, apa pali malangizo omwe angachepetse ndalama zazing'ono za inshuwalansi za umoyo wanu.
1. Pitirizani ogwira ntchito bwino. Mwachitsanzo, Motorola Inc. yakhazikitsa dongosolo labwino lomwe limaphatikizapo matenda odwala matenda a mphumu ndi shuga, komanso kupereka mafuti, khansa, kusuta komanso kusuta foni. anamwino.
Kampaniyo inapeza kuti ndalama zonsezi zinapulumutsa $ 3.93, malinga ndi lipoti la 2003 la bungwe la United States la Health and Human Services lipoti, "Kupewa Kumapanga Nthawi Zambiri." Momwemonso, wopanga magetsi Caterpillar akuganiza kuti pulogalamu yake yabwino idzasungira kampani $ 700 miliyoni pofika mu 2015.
Mapulogalamu oterowo samangosunga makampani owerengetsera ndalama akusangalala. Amakhalanso otchuka ndi antchito. Katswiri wamkulu wa zamankhwala Pfizer Inc. anapeza kuti 85 peresenti ya antchito ake mu maofesi ake a New York adathandizira pulogalamu imodzi yabwino, ndipo 80 peresenti amagwiritsidwa ntchito pa malo osungirako zolimbitsa thupi kapena mankhwala, malinga ndi lipoti la HHS.
2. Kuchepetsa kufalitsa. Kudula malire kapena kufunsa antchito anu kuti apereke zambiri pa ndondomekoyi ndi sitepe yowonetsera kuchepetsa ndalama za inshuwalansi za thanzi. Cholakwika cha njirayi ndikuti mwina sichidzakondedwa ndi antchito.
Zimakhala zachilendo kuti malonda asalowe inshuwalansi ya mano ndi masomphenya, koma kambiranani ndi antchito anu kuti awone zomwe akufuna. Angasankhe kukhala ndi inshuwaransi ya mano ndi masomphenya komanso akaunti ya ndalama, mwachitsanzo.
3. Ganizirani nkhani za ndalama zachuma. Ndalama zosungirako zaumoyo ndizochitidwa kwambiri kwa eni eni malonda ang'onoang'ono. Malipoti osayima msonkho, omwe amagwiritsidwa ntchito kulipira ndalama zina, amatha kuchepetsa ndalama zazing'ono za inshuwalansi za umoyo wanu panthawi yopuma msonkho.
Muyenera kukhala ndi ndondomeko ya inshuwalansi yapamwamba yopanga thanzi la ndalama. Mwachitsanzo, mu 2007 kuchepetsa kuchepa kwa anthu ndi $ 1,100; kwa mabanja, ndi $ 2,200.
Izi zikutanthauza kuti inu kapena antchito anu muyenera kulipira madola 1,100 mumatumba anu omwe mumalandira ndalama zothandizira zachipatala monga maulendo oyendera madokotala kapena malamulo asanabwezeretsedwe ndi kampani ya inshuwaransi.
Koma pali zopindulitsa: Mu 2007, olemba ntchito, ogwira ntchito, ndi mabanja awo akhoza kupereka msonkho kwa $ 2,850 chifukwa cha ndalama zapadera kapena ndalama zokwana madola 5,650 pa akaunti za banja. Ndalama zimenezi zimangogwiritsidwa ntchito pokhapokha kuti azipeza ndalama zothandizira, ndipo antchito angathe kutenga nawo akaunti yawo ngati achoka. Ndalama zambiri sizimatha.
Zopereka ndi kuchotsa msonkho ndizopanda msonkho, ndipo anthu pawokha angathe kudandaula za misonkho pamabuku awo 1040-kutanthauza kuti antchito sakufunikira kuti apeze msonkho. Ndalama za ogwira ntchito ndizopatsanso msonkho kwa eni amalonda koma safunikila. Anthu angakhalenso kukhazikitsa akaunti za ndalama zachuma.
Pofuna kukhazikitsa kapena kutenga nawo mbali mu akaunti yopezera ndalama, inshuwalansi yanu yokhayo ingakhale yopanga inshuwalansi yapamwamba kwambiri ndipo ayenera kuperekedwa kwa antchito onse.
Ma akaunti osungirako zaumoyo amapindulitsa ogwira ntchito wathanzi omwe samawawona madokotala nthawi zonse. Koma inu kapena antchito anu mungathe kukhala ndi inshuwalansi yathanzi yomwe imakhudza makamaka matenda, matenda ena, ngozi, mano ndi masomphenya.
4. Lowani ndi gulu. Ndondomeko za inshuwalansi za gulu laling'ono zimagwirizanitsa antchito awiri ndi 50, ngakhale kuti pali "gulu limodzi" mapulani a inshuwalansi ogwira ntchito omwe amapereka mapindu ofanana.
Gulu lanu lalikulu, m'munsimu ndalama zanu zidzakhala. Kafukufuku wa 2006 wa America's Health Insurance Plans anati, 80 peresenti ya magulu ang'onoang'ono omwe anafunsidwa anali ndi antchito 10 kapena ochepa pa inshuwalansi yawo ya umoyo, ndipo malipiro a mwezi uliwonse kwa anthu anali $ 330. Makampani okhala pakati pa 26 ndi 50 ogwira ntchito amalipiritsa $ 287 pamwezi pa malipiro amodzi.
Ngati bizinesi yanu ili ndi antchito osachepera khumi, mutha kugwirizanitsa ndi malonda ena kapena anthu ena ndikuwonjezera mapulani a gulu lanu. Dziwani kuti malamulo a chithandizo chamankhwala akulamulidwa ndi mayiko, kotero inu mukufuna kuti muyanjana ndi anthu mdziko lanu.
5. Gulani pafupi. Inshuwalansi ya umoyo ndi bizinesi yaikulu, kotero kugula kuzungulira operekera osiyana kungachepetse ndalama zazing'ono za inshuwalansi za inshuwalansi. Yambani pofufuza pa intaneti ndikufunsanso ena a mabungwe ang'onoang'ono omwe amalipiritsa inshuwalansi ya umoyo. A inshuwalansi amalipira ngongole, koma mumasunga nthawi ndipo akhoza kufufuza za inshuwalansi zaumoyo kwa inu. Bungwe la National Federation of Independent Businesses linayanjana ndi eHealthInsurance, bungwe la inshuwalansi la umoyo la dziko lomwe likukupatsani malemba angapo pa intaneti.
Tiare Rath ndi mtolankhani wodziimira okhaokha komanso wolemba mabuku wa MarketWatch.com omwe kale anali ndi ndalama