Isifundo Esisha Siveza Abathengi Abangasindisi Abanele noma Baqonde Izinzuzo Zabo
Okuthini Ukutadisha Ngezidingo Zabanakekeli WezeMpilo
I- 2016 Healthcare Consumerism Index eqhutshwa yesikhulumi sezimali zabathengi u-Alegeus ubonisa ukuthi abathengi basalokhu bengacabangi kakhulu ngezinqumo zabo zokunakekelwa kwezempilo ngakho-ke banomqondo okhulayo wezezimali uma kuziwa ekunakekelweni kwezempilo. Kulo mbiko, u-Alegeus uphenye abathengi abangaphezu kuka-1 000 ukunakekelwa kwempilo ukuze bathole amanani abo mayelana nomshuwalense wezempilo. Bembule:
- Amaphesenti angu-66 athi awazi ukuthi bangakanani okwakudingeka balondoloze izindleko zezempilo kulo nyaka
- Amaphesenti angu-76 athi agxila ekutholeni imali engcono kakhulu ngemali yabo
- Amaphesenti angu-70 akhombise ukuthi azikholelwa ukuthi ziye zandisa izinzuzo zabo zentela ngezinhlelo zokulondoloza ukunakekelwa kwempilo
- Amaphesenti angu-23 kuphela alondoloza ngokuqinile izidingo zokunakekelwa kwezempilo
Kubonakala sengathi kukhona ukuphazamiseka phakathi kwemboni yokunakekelwa kwezempilo kanye nalapho abathengi bemi, lapho kuhlobene nezindleko zempilo enhle.
Odokotela abathinteki ezindlini zokwelapha zabathengi. Ekuvakaseleni kwamanje kwabahlinzeki ababili bokunakekelwa kwezempilo abahlukene, kokubili ukunakekelwa komkhuba wokuvimbela, ngangixoxa nabahlengikazi bami ngemvelo yezinhlelo zokunakekelwa kwezempilo eziphakeme kakhulu nokuthi zisebenza kanjani ezweni langempela. Kanti udokotela akayiqapheli izindleko ezingaphandle kwezindleko zokuthi lezi zinhlelo zazingenalo umthwalo omkhulu ongenalo kimi.
Bobabili odokotela bathi kwakungcono kakhulu ukuthi ungabi nomshwalense wezempilo futhi ukhokhe imali ekhokhayo yokukhokhisa ezinikezwa izikhungo zokunakekelwa kwezempilo. Ukube kwakungeyona imfuneko yokuba nomshuwalense wempilo encane noma ubhekane nezinhlawulo ngaphansi kwe-Obamacare, kwadingeka ngivumelane!
Abathengi bangakwazi kanjani ukunakekelwa kwempilo uma sebevele beboshwe ngemali ngenxa yesikhwama semali yomshuwalense esanda ngaphezu kwamazinga angabizi, ngisho nezinhlelo zezempilo zeqembu? Abathengi, abaningi babo abangaphansi kwemikhakha yabasebenzi abathola nje ngenani lobuphofu emisebenzini encane yomholo, bayakwazi ukubeka imali ngaphandle kwezinhlelo zokulondoloza usizo oluphuthumayo? Akungacabangi ukulindela ukuthi umthengi ojwayelekile unemali eyengeziwe ehlezile ngale njongo.
Cabangela ukuthi yini engenzeka uma umthengi engenawo umshuwalense wezempilo okwanele futhi kufanele afake imali yokugcina imali ukuze akhokhele inkinga yezokwelapha engalindelekile? Ukuvakashelwa kwegumbi elilodwa lokuphuthumayo kungamfaka umuntu isikweletu.
Izindleko Eziphakeme Zokunakekelwa Kwezokwelapha Ezivamile
I-Healthcare Bluebook ibhala izintengo zendabuko ngezinqubo ezivamile zokunakekelwa kwezempilo e-USA. Kusukela ngo-2016, izinqubo ezilandelayo zezokwelapha zihlelwe ngokulandelana kwezindleko, eziphakeme kunazo zonke:
- I-Appendectomy $ 9,968
- Isisu se-Stomach $ 6,568
- Ukuthunjwa nokukhanda ngamathambo $ 6,332
- Ukuhlaselwa kwenhliziyo $ 6,025
- Izibhedlela zokwelapha indlebe $ 5,615
- I-MRI ye-Abdominal $ 920
- Umlenze u-$ 253
- I-Psychotherapy ngayinye (Amaminithi angu-45) $ 160
- Ukwelashwa kwemfudu $ 135
Inhlolovo yabathengi be-Google yabadala abangu-5,000 ibonise ukuthi amaphesenti angama-62 aseMelika anenani elingaphansi kuka-$ 1,000 ema-akhawuntini abo alondolozayo, futhi cishe amaphesenti angu-21 ayinayo i-akhawunti yokulondoloza. Amaphesenti angaphansi kwezingu-10 athi bagcina imali eyanele ekugcineni ama-akhawunti abo ukuze bagweme izimali zokugcinwa kwebhange - kumabhange amaningi lawa angama-$ 300. Cabanga nangabathengi ababesondeza kahle ngaphambi kokunciphisa ngokwezimali ngonyaka ka-2008 - i-US Federal Reserve ucwaningo lwabadala abangu-4 000 lwembula ukuthi amaphesenti angu-57 aseMelika asebenzise noma ayilondolozile ngaleso sikhathi, ebashiya ngamapokheji angenalutho.
Lokhu kuyesabeka, ucabange ukuthi ukuvakasha okulodwa kudokotela kungasula kalula i-akhawunti yokulondoloza yomuntu.
Abanye abathengi bakhetha ukusebenzisa amalungiselelo okusindisa impilo, ama-akhawunti wokubuyiselwa kwezempilo, kanye nama-akhawunti wokugcina okuguquguqukayo ukubeka imali ngaphandle kwezidingo zempilo. Lokhu kubaluleke nakakhulu kulabo abasebevele beningi imali yokulondoloza ukunakekelwa kwezempilo njalo nemithi yokwelashwa, kanye nabasebenzi abanenkampani efana namadola. I-Mayo Clinic iyeluleka ukuthi kungase kube khona imingcele engaba khona enamalungiselelo okusindisa impilo, kufaka phakathi:
- Ukugula kanye nempilo kungenakulinganiswa kakhulu, ngakho kungaba nzima ukuhlaziya izidingo zezempilo
- Kungaba nzima ukuthola ulwazi olunembile mayelana nezindleko kanye nekhwalithi yokunakekelwa kwezokwelapha
- Akuwona wonke umuntu onesiyalo sokubeka eceleni imali e-akhawuntini yokulondoloza
- Abantu asebekhulile bebhekene nezinkinga zempilo kakade kungenzeka kube emindenini eqinile futhi abakwazi ukulondoloza okwanele
- Ukucindezela ukugcina imali ku-akhawunti yokulondoloza impilo kungavimbela amalungu ukuba afune ukunakekelwa kwezokwelapha
- Izindleko ezingezona ezokwelapha ziyokhokhiswa intela uma umthengi engozini esebenzisa i-HSA yabo
Kunezinkinga ezengeziwe nge-akhawunti yokulondoloza impilo engase ivele. Ngesinye, abathengi abafundile ngokwanele ukuthi bangayisebenzisa kanjani kangcono. Izimali zingase zihlale kwi-akhawunti engasetshenziswanga iminyaka, okuyinto yokuchitha imali. Eminye imikhuba yezokwelapha inganqaba ukunikeza iziguli izaphulelo zokukhokha phambi kwezindleko zezokwelapha, ngisho noma isiguli sibuza lokhu futhi asifuni ukufaka isimangalo nenkampani yomshuwalense. Abathengi abaneminyaka engama-65 noma ngaphezulu abakwazi ukufaneleka ukuthola ama-akhawunti wokulondoloza impilo. Okokugcina, kunemikhawulo emindenini lapho bobabili abazali besebenza futhi befanele uhlelo lokulondoloza impilo - eyodwa kuphela evunyelwe umndeni ngamunye futhi bobabili abazali kufanele babhalise i-HDHP.
Ama-Amount Pocket ama-HDHP nama-HSAs
Njengamanje, izinhlelo zokunakekelwa kwempilo ephezulu ezidonswayo zivela ezigidini ezingu-2 000 kuya kuma-13,000 ama-maximum angaphandle kwe-pocket. Amanani, asethwe yi- Internal Revenue Service ngonyaka ngamunye, abeke imingcele e:
Ngonyaka wekhalenda ka-2016, i-OOP imingcele encane futhi esiphezulu yile ndlela elandelayo:
Okungenani-
- Ukuzifihla $ 1,300
- Ukuhlanganisa komndeni $ 2,600
Ubukhulu -
- Ukuzikhokhela $ 6,550
- Ukuhlanganisa komndeni $ 13,100
Imingcele yokunikela nge-akhawunti yokulondoloza impilo ye-2016 yilezi:
- Ukuzikhokhela $ 3,350
- Ukuhlanganisa komndeni $ 6,750
Ngalokhu okukhulunywe ngenhla engqondweni, futhi imindeni eminingi ikhokha phakathi kuka- $ 400 kuya ku-800 ngenyanga ngenyanga ye-HDHP yeplomamu, kukhona igebe elikhulu phakathi kwalokho abathengi abangasindisa nalokho abakwazi ukukukhokhela. Iningi aliqiniseki ukuthi bangakhokhela kanjani isimangalo esisodwa sezempilo esiyingozi. Iviki elilodwa esibhedlela, nebhethri lokuhlolwa kanye nezilinganiso ezihanjiswe odokotela, kungabangela kalula umthethosivivinywa we $ 50,000 noma ngaphezulu. Lokho kuhlangothini olungenalutho.
Indlela Abaqashi Bangabasiza Ngayo Abasebenzi Ngokungabathengi Abanakekeli NgezeMpilo
Ekugcineni, kubaqashi ukuhlinzeka ngemfundo nolwazi ukuthi abasebenzi kudingeka baqaphele, abathengi bezempilo abanenkinga. Ukuthumela ulwazi lokubhalisa izinzuzo unyaka ngamunye akwanele. Kunezindlela eziningana ukuthi izinkampani zingafundisa nokusekela abasebenzi abasebenza kahle.
1. Bamba izinkambiso zemfundo ukuze uchaze izindleko zemihlomulo, izinkokhelo zokuphepha, kanye nezinketho zokulondoloza
Ngaphambi kokubhalisa okuvulekile, ngesikhathi sesisebenzi sokugibela, futhi phakathi nezinkathi eziphakeme zengozi yezempilo - abaqashi bangahlela izikhathi zokufundisa. Bazungeze ezungeze izingqikithi zokonga imali ekunakekelweni kwempilo kanye nemithi, ukuvimbela izinkinga zezempilo, ukwandisa ukonga kwempilo, nokuthi ungakhetha kanjani ukunakekelwa kwekhwalithi. Yabelana ngamanye amathuluzi okukhulunywe ngawo lapha ukuze abathengi bangathengela amazinga angcono kunqubo yezokwelapha, ukuvakashelwa odokotela, nokuningi.
2. Nikeza IsiKhwama Sezokwelapha Eziphuthumayo Kubo Bonke Abasebenzi Abafaka Kuzo
Yonke inkampani kufanele ibeke eceleni isikhwama sezokwelapha ukusiza isisebenzi esibhekene nesifo esiyingozi noma ukulimala okukhulu. Lokhu kungaba yisikhwama somphakathi ukuthi bonke abasebenzi bangakwazi ukufaka imali encane kukho konke ukukhokha. Abanikezeli abanomthelela nge-swagger yenkampani kanye nezinye izinto ezizozigcina zisebenza ohlelweni. Yiba nekomidi lokubuyekeza kanye nephuzu lomuntu oxhumana naye ukuze anikeze imali uma kudingeka.
3. Nikeza Abasebenzi Ukufinyelela Ematheni Wezezimali
Abathengi abaningi baye bangena emikhubeni emibi ye-overspending ne-undersaving. Yenza imali yokulondoloza umgomo omuhle ngokwabelana ngamathuluzi wezezimali eziwasiza ukulandelela ukusetshenziswa kwemali kanye nezabhajethi, ukuqoqa imali yokugcina imali, bese uqala ukubeka imali engaphezulu kuma-akhawunti abo siqu nokonga imali. Lapho abasebenzi bezwa bevikelekile ngekusasa labo lwezezimali, abaphazamiseki kakhulu futhi bakhiqiza kakhulu.
4. Njalo ngonyaka, Sondeza Izinhlelo Zempilo Yeqembu Lezinzuzo ezingcono kakhulu
Thatha umthwalo wemfanelo yengxenye yomthwalo wokunakekelwa kwezempilo okungabizi. Sebenza eduze nabaqondisi bezokwelapha nabazithandela ukuze bahlanganise izinhlelo zomshuwalense weqembu ezinamazindleko aphansi kodwa zinikeza inani elihle kakhulu. Ungafaki abasebenzi ngokunikela ngezinhlelo ezingenayo inzuzo enhle noma iqhaza ngenethiwekhi enkulu yezokwelapha.
5. Yiba nenqubomgomo yemnyango evulekile yokusiza abasebenzi nabemibuzo yabo yezokwelapha
Kungaba isilingo sokuvumela abasebenzi ukuba babhalise ezinzuzo emva kokuzinikeza incwajana. Ungalokothi ucabange ukuthi bazoqonda izinhlelo zokunakekelwa kwezempilo nhlobo. Abacwaningi baseCarnegie Mellon University bathola ukuthi amaphesenti angu-14 kuphela aseMelika abaneminyaka engama-25 kuya ku-64 ubudala ayengaba nokuqonda imithetho eyisisekelo yomshuwalense. Yiba nesazi esandleni sakho emnyangweni wakho we-HR olungele ukuphendula noma yimuphi umbuzo futhi uchaze igama eliyinkimbinkimbi yokunakekelwa kwezempilo.
6. Thuthukisa futhi Uqalise Imikhuba Yenkampani Yempilo kanye Nezempilo
Nakuba kungekho okuningi abaqashi abangakwenza ukuze basize abathengi ngabanye ukuba banakekele kangcono impilo yabo, bakhuthaze abasebenzi ukuthi bahlanganyele ekuhloleni izindleko eziphansi nokubhekana nezifo ezibizayo kakhulu kamuva kufanele kube yingxoxo eqhubekayo. Abaqashi bangadlala indima enkulu ekusizeni abasebenzi ukuba bahole indlela yokuphila enempilo ngokunikeza ukwesekwa kokuphila kahle kanye nemfundo . Amadivaysi omzimba wokugqoka, amaqembu okusekela, kanye nezinketho zokudla okunempilo ekampus kungenza umehluko omkhulu kwabasebenzi abangase balwele ukuhlala befanele futhi banciphise ukucindezeleka.
Akulindelekile ukuthi izindleko zokunakekelwa kwezempilo zizokwehla; Empeleni, bayoqhubeka bekhula eminyakeni ezayo. Kodwa, abathengi bangakwazi ukuqonda kahle ukuthi bachithaphi imali yabo yokunakekelwa kwezempilo kanye nokuthi yiziphi izinhlelo abazikhethela ukuhambisana nezibopho zokunakekelwa kwezempilo.