Ochwepheshe Baqagele ukuthi Izinhlelo Zokwelapha Abaqashile Zishintsha Ngokwedlulele
Eminyakeni embalwa edlule, uMthetho Wokunakekelwa Okunganakekelwayo ube nomthelela omkhulu emakethe yezezempilo nezempilo kunanini ngaphambili. Kodwa-ke, i-ACA isivele iqalile ukushintsha indlela izinzuzo zabasebenzi ezizophathwa ngayo ngezigidi zabaqashile ezizayo ngenxa yezici eziningana. Ukuphathwa kwezindleko zezempilo, ukubambisana kwezinzuzo nge-Medicare, nokuthi abantu abahlala beqashiwe futhi bephila isikhathi eside bayingxenye yalolu shintsho.
Umbuso Wezinzuzo Zomsebenzi Abaqashile
Ngokwenhlolovo esuka ku-Towers Watson, abahlala emakhaya bazoqala ukubona izinguquko ezinkulu ezinhlelweni zabo zezokwelapha ezizoguqula impilo yabo nenhlalakahle esikhathini esizayo. Izinguquko ziyeza ngoba abaqashi bakhathazekile ngezindleko ezikhulayo zezinhlalakahle zempilo ehlala emzimbeni emzamweni wokuhambisana kangcono nezinhlelo zabasebenzi. Ake sibheke lokho okushiwo ucwaningo mayelana nombuso wemakethe yomshuwalense wezempilo kubantu abaqashile.
Ucwaningo lwango-2015 lwamaSikhwama wokuNakekelwa kwezeNhlalakahle e-Retiree , oluphethwe yi-Towers Watson, lubandakanye abasebenzi abangu-144 bezinsiza ezivela ezinkampanini ezinkulu nezindawo eziphakathi kwamanje ezinikeza uhlobo oluthile lwezinzuzo zezokwelapha ezisemuva. Lezi zimelela izinkampani ezifuna ukufeza ukuzibophezela kwabo kubantu abaqashile, yingakho zikhethiwe ngenhloso yocwaningo nokuthi kungani ziqhubeka nokunikeza izinzuzo zezempilo ngemuva kokuba abasebenzi beyeke izinkampani zokukhokha.
Izinketho Zempilo Eziphuthumayo Zanje
Ngokwe-survey ye-Towers Watson, amaphesenti angu-78 abaqashi asebenzisa noma acabanga ngokusebenzisa i-Medicare exchange exchange yangasese ukuze basize abaqashile uma kuziwa ekukhetheni ukufakwa kwabo ngabanye. Amaphesenti angama-90 asola izindleko zemithwalo yemfanelo yokwandisa nokuqhubekayo ekushintsheni indlela izinhlelo zokwelashwa ezihlala emhlalaphansi eziphathwa ngayo, kufaka phakathi amaphesenti angama-84 abhekene nezibopho ze-ERISA.
Ukusebenzisa izinzuzo zomsebenzi kungakwenqabela lezi izindleko nezidingo.
Abaqashi abangaphezu kwamaphesenti angama-40 bacabanga ngokusekela izinzuzo zezokwelapha zabaqashile besebenzisa inhlangano yokuhlomula kwabasebenzi ngokuzithandela 401 (h). Amaphesenti angama-21 abaqashi aseqalile ukuguqula izinsizakalo ezinikezayo kuma-akhawuntini okulondolozwa kwezokwelashwa.
Izinketho Ezintsha Zokusiza Abaqashi
Enye yezinketho ezintsha zabaqashile ababizwa ngokuthi 'pre-Medicare' zihlanganisa ukuguqulwa komshuwalense wezempilo wangasese kanye nomphakathi. Abathathe umhlalaphansi bangakwazi ukuthenga izinzuzo zempilo abazidingayo nokuthi bahlangabezane nezimali zabo zezimali phakathi nalesi sikhathi. Enye indlela entsha yokuthatha umhlalaphansi kubaqashi ukuthenga ama-group annuities kwabaqashi babo ngezinga elibekiwe. Lapho abaqashi benza lokhu, umthwalo wemfanelo nokubolekwa kwezimali udluliselwa kumshwalense okhokhelwa kakhulu. Lokhu kuqinisekisa ukuthi izimali zezinzuzo zezempilo zizokwenzeka empilweni yokuthatha umhlalaphansi.
Iyini i-Causing the Shift kuzinzuzo zabaqashi?
Ungase uzibuze ukuthi yini ebangela ushintsho ezinhlelweni zezokwelapha zabaqashi? Esinye sezici ezinkulu ezithinta ushintsho yizindleko ezikhulayo zokunakekelwa kwezempilo kubantu abahlala emakhaya. I-AARP Foundation ne-Fidelity Investments ibonisa ukuthi, "umbhangqwana oneminyaka engu-65 ubudala othatha umhlalaphansi kulo nyaka uzodinga u-$ 240,000 ukukhokhela izindleko zezokwelapha ezizayo.
Lokhu akubandakanyi izindleko eziphezulu zokunakekelwa kwesikhathi eside. "Ngeshwa, i- Employee Benefit Research Insit isabelo ukuthi," abasebenzi abangamaphesenti angama-60 basindise imali engaphansi kwamaRandi ayizigidi ezingama-25,000 ngenxa yokuthatha umhlalaphansi ", okusho ukuthi abantu abakulungele ukukhokhela izindleko izidingo zabo zezokwelapha kamuva ekuphileni. Abantu kudingeka baqonde ngokutshalwa kwezimali zomhlalaphansi manje.
Esinye isizathu sokushintsha ukushayela intela yerhafu yezindleko zempilo ephuma ku-Protection Patient kanye ne-Care Affordable Act, ezoqala ukusebenza ngonyaka ka-2018. Ngokwemininingwane yalomthetho oshicilelwe yi-Cornell University, isisebenzi sizokwazi ukuhlinzeka ngokwezempilo kuphela ungalindela ukuthi le ntela ibe ngu- $ 10,200 yandezwe ngokulungiswa kwezindleko zezempilo, futhi isisebenzi esinezimali ngaphandle kokuzihlanganisa ngokwazo kuphela singalindela ukulungiswa kwentela kube ngu-$ 27,500.
Izinguquko nazo ziqhutshwa abaqashi abathi izinzuzo zabo zokuthatha umhlalaphansi manje azizisi ekukhangeni nasekugcineni abasebenzi. Zonke lezi zinkinga zishayela ushintsho ngendlela izinhlelo zezokwelapha eziphathwa ngayo ngabaqashi abaqashile.
Abaqashi Bakhuthazwa Ukwenza Izinguquko
Ngemva kokubheka izimpendulo ezivela kuyi-Towers Watson, abaqashi abaningi babonakala besebenza ngaphansi kokucabanga ukuthi baphoqeleka ukwenza izinguquko ukuze bahlale behlala bejabule futhi baphumelele ngesikhathi esifanayo. Abaqashi baye basebenza njalo ukunciphisa izindleko kanye nengozi yezinzuzo zezokwelashwa zokuthatha umhlalaphansi ngokubamba izinsizakalo zabo, ukuguqula izinhlelo zokuklama noma ukukhawulela noma ukuphelisa izinzuzo zamasheya amasha. Abaqashi baye bazama nokushintsha izidingo zokufaneleka ekuhambeni endleleni.
Njengoba izindleko zikhuphuka eminyakeni embalwa elandelayo, abaqashi bazodinga ukwenza izinguquko endleleni izinhlelo zezokwelapha ezinikezwa ngayo abahlala emhlalaphansi.
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