Umshwalense wempilo yebhizinisi kuyindleko enkulu yokwenza ibhizinisi, ikakhulukazi ezinkampanini ezincane kanye namafemu omama-futhi-pop. Njengoba ama-premium ekhulayo, abanikazi abaningi bebhizinisi abancane bacela abasebenzi babo ukuba baphathe okungaphezulu umthwalo wezezimali noma ukusika izinzuzo ngokuphelele.
I-New York-based based Commonwealth Fund, iqembu lezokugqugquzela ukuguqulwa kwezempilo, kusho izindleko zomshuwalense wezamabhizinisi ezincane ezingamaphesenti ayisishiyagalolunye angu-18 kunamabhizinisi amakhulu.
E-California, izindleko zomshuwalense wezempilo zanda amaphesenti ayishumi ngo-2006 kuphela, ngokusho kwe-California Employer Health Benefits Survey.
Lezo zindleko ziye zafakazela kakhulu kakhulu kumabhizinisi amaningi amancane. Ngokusho kwe-US Chamber of Commerce, abangaphezu kwezigidi ezingama-45 baseMelika abaqinisekisiwe, kanti cishe amaphesenti angama-60 e-uninsured aqashwe amabhizinisi amancane.
Ngo-2006, izindleko ezijwayelekile zenyanga zomshuwalense wezempilo ngezinhlelo ezincane zeqembu, ezisetshenziselwa kakhulu amabhizinisi amancane, zaziyizigidi ezingama-311 ngenyanga, ngokusho kocwaningi lweMicrosoft Insurance Plans, iqembu lezohwebo ezimele izinkampani zomshuwalense wezempilo. I-premium ejwayelekile yomndeni wezingane ezine yayingu-$ 814 ngenyanga, inhlangano ibike.
Umshuwalense wezamabhizinisi omncane ungathatha inqwaba yemali engenayo, kepha izinzuzo zivame ukuheha abasebenzi abangcono futhi basize ukugcina abasebenzi abakhona. Abanelisekile, abasebenzi abanempilo banamathuba amaningi okusiza ibhizinisi lakho likhule.
Uma unzima ukunikeza umshuwalense wezempilo, nansi amathiphu anganciphisa izindleko zempilo yomshuwalense wakho webhizinisi.
1. Gcina abasebenzi bephilile. I-Motorola Inc., isibonelo, isungulwe uhlelo olubanzi lokuhlanzeka oluhlanganisa ukuphathwa kwesifo ngezinkinga ezifana ne-asthma nesifo sikashukela, kanye nokunikeza ukuqhuma komkhuhlane, ukuhlolwa komdlavuza, izikhathi zokuqeda ukubhema kanye nomugqa wocingo ojikelezayo owenziwa yi abahlengikazi.
Le nkampani ithole ukuthi yonke imali idalwe yi-dollar 3.93, ngokusho kombiko we-2003 we-US Department of Health and Human Services kubika ukuthi, "Ukuvimbela Kwenza Amasheya Ajwayelekile." Ngokufanayo, umkhiqizi onamandla osebenzayo UCaterpillar ulinganisela ukuthi uhlelo lwawo lwezempilo luzosindisa inkampani $ 700 million ngo-2015.
Izinhlelo ezinjalo zempilo azigcini nje ngokugcina ama-accountants ezinkampani ajabule. Zithandwa kakhulu nabasebenzi. I-giant Pharmaceutical Pfizer Inc. ithola ukuthi amaphesenti angama-85 wabasebenzi bayo emahhovisi ayo aseNew York ahlanganyele okungenani ohlelweni olulodwa lwezempilo, nokuthi amaphesenti angu-80 asetshenziselwa izikhungo ezinjengezikhungo zokuzivocavoca noma ukwelashwa ngokomzimba, ngokusho kombiko we-HHS.
2. Nciphisa ukuthunyelwa. Ukukhawula ukucela noma ukucela abasebenzi bakho ukuba banikele ngaphezulu ohlelweni kuyisinyathelo esinengqondo sokunciphisa izindleko zomshuwalense wezempilo webhizinisi elincane. Ukuphazamiseka kwalolu cwaningo ukuthi cishe ngeke kubonakale bengathandeki nabasebenzi.
Kuyinto evamile ukuba amabhizinisi akhiphe umshuwalense wamazinyo nombono, kodwa khuluma nabasebenzi bakho ukuthi babone ukuthi bafunani. Bangase bakhethe ukuba nomshuwalense wamazinyo nombono kanye ne-akhawunti yokulondoloza impilo, isibonelo.
3. Cabanga ngama-akhawunti wokulondoloza impilo. Ama-akhawunti wokulondolozwa kwezempilo yindlela yokuzikhethela ethandwa kakhulu kubanikazi bamabhizinisi amancane. Lezi akhawunti ezikhokhelwa intela, ezisetshenziselwa ukukhokhela izindleko ezithile zezokwelapha, zinganciphisa izindleko zempilo yomshuwalense wakho wezamabhizinisi ngenkathi inikeza izinkampani zakho zentela.
Kumele ube nenqubo yomshuwalense wezempilo ephezulu-deductible yokwakha i-akhawunti yokulondoloza impilo. Isibonelo, ngo-2007 ukuncishiswa okuncane kwabantu ngabangu-$ 1,100; Imindeni, i-$ 2,200.
Lokhu kusho ukuthi wena noma abasebenzi bakho kuzodingeka ukhokhe imali engu-$ 1,100 emaphaketheni akho ukuze uthole izindleko zezempilo ezifana nokuvakasha odokotela noma imiyalelo ngaphambi kokuba ubuyiselwe yinkampani yomshuwalense.
Kodwa kunezinzuzo: Ngo-2007, abaqashi, abasebenzi, kanye nemindeni yabo bangakwazi ukufaka intela mahhala kuze kufike ku-$ 2,850 ukuze kube ngabanye ama-akhawunti wokulondoloza impilo noma i-$ 5,650 yama-akhawunti omndeni. Lezi zimali zingasetshenziswa kuphela ukumboza izindleko zokunakekelwa kwezempilo, futhi abasebenzi bangathatha ama-akhawunti abo nabo uma behamba. Izimali ngokuvamile azipheli.
Iminikelo kanye nokuhoxiswa kokubili kokukhokhiswa intela, futhi abantu ngabanye bangafaka izicelo zokubanjwa kwentela kumafomu abo angu-1040-okusho ukuthi abasebenzi akudingeki ukuba bathathe intela. Iminikelo yomqashi nayo ibuyele intela kubanikazi bebhizinisi kodwa ayidingekile. Abantu bangasetha futhi ama-akhawunti wokulondoloza impilo.
Ukusungula noma ukubamba iqhaza kwi-akhawunti yokulondoloza impilo, umshuwalense wakho wezempilo ophelele kuphela ongaba yipulani yomshuwalense wezempilo ophezulu futhi kufanele unikezwe kubo bonke abasebenzi.
Ama-akhawunti wokulondoloza impilo azuzisa abasebenzi abanempilo abangaboni odokotela njalo. Kodwa wena noma abasebenzi bakho, ungaba nomshuwalense wezempilo obhekene ngqo nezifo, kuhlanganise nezifo ezithile noma izifo, izingozi, ukunakekelwa kwamazinyo nokubona.
4. Joyina iqembu. Izinhlelo zomshuwalense wezempilo ezincane zihlanganisa ikhasimende phakathi kwabasebenzi ababili nabangu-50, nakuba kunezinhlelo zomshuwalense "zeqembu elilodwa" ezizisebenzayo ezinikeza izinzuzo ezifanayo.
Iqembu lakho elikhulu, ama-premium akho aphansi azoba. Ngokusho kocwaningo lwe-American Health Insurance Plans ka-2006, amaphesenti angu-80 amaqembu amancane ahlolwe ayenabasebenzi abangu-10 noma abambalwa emiphakathini yabo yomshuwalense wezempilo, kanti ama-premiums ngenyanga aphakathi kwaba ngabangu-$ 330. Amafemu anabasebenzi abaphakathi kuka-26 no-50 akhokhela u-$ 287 ngenyanga ngenyanga.
Uma ibhizinisi lakho linabasebenzi abangaphansi kuka-10, usengabambisana namanye amabhizinisi noma abantu ngabanye futhi wandise uhlelo lwakho lweqembu. Qaphela ukuthi imithetho yokunakekelwa kwezempilo ilawulwa yizifundazwe, ngakho-ke uzofuna ukusebenzisana nabantu abasesimweni sakho.
5. Thenga eduze. Umshuwalense wezempilo ibhizinisi elikhulu, ngakho ukuyothenga abahlinzeki abahlukene banganciphisa izindleko zempilo yomshuwalense wakho webhizinisi. Qala ngokusesha i-inthanethi futhi ubuze abanye abanikazi bamabhizinisi amancane ukuthi bayakhokhela umshwalense wezempilo. Ama-inshuwalense azokhokha imali, kodwa uzosindisa isikhathi futhi angaphenya amapulani omshuwalense wezempilo kuwe. I-National Federation Yamabhizinisi Ezizimele ihlangene ne -HealthInsurance, i-ejensi yomshuwalense wezempilo kazwelonke okukunikeza izingcaphuno eziningana kwi-intanethi.
UTiare Rath ungumaphephandaba wezokuzimela kanye nomuntu owayengumhleli wezimali we-MarketWatch.com