Kodi crowdfunding ndi tsogolo lotsitsa mtengo wamankhwala?

US Department of Health and Human Services idatulutsa lipoti lowonetsa kuti chiwopsezo cha dziko lopanda inshuwaransi chatsika mpaka 8% pomwe aku America 26.4 miliyoni okha akusowabe chithandizo. Izi zikumveka ngati nkhani yabwino, koma kulowa pansi mozama kukuwonetsa kusintha kwakukulu kuchokera kuzinthu zachinsinsi kupita ku zoperekedwa ndi okhometsa msonkho zothandizidwa ndi boma zomwe zili ndi mbiri yosokonekera yokhala ndi ndalama zothandizira zaumoyo ndikupereka zotsatira zabwino zaumoyo.

Chifukwa cha mliriwu komanso chiwongola dzanja cha US, olembetsa ku Medicaid adakwera ndi anthu 24 miliyoni omwe adalembetsa pomwe mayiko sanathe kupatula anthu omwe sakuyeneranso, ndipo ena mamiliyoni awiri adasankha kusaina mapulani a Obama.

Ndikofunika kukumbukira kuti kukhala ndi khadi la inshuwalansi sikutanthauza zofanana ndi kupeza chisamaliro. Zolimbikitsa za mapulani a inshuwaransi yazaumoyo sizinali zochepetsera mtengo wa chisamaliro chaumoyo m’kupita kwanthawi. Zotsatira zake, makampani opanga zatsopano akubwera omwe amapereka njira zatsopano zokhala ndi ndalama zothandizira zaumoyo komanso kuwonetsetsa zotsatira zabwino.

America ikuyenera kulimbikitsa odwala kuti akhale ogula anzeru azaumoyo. Tikufuna madera omwe amagwiritsa ntchito mphamvu zawo zophatikizira ogula kuti apindule bwino. Crowdfunding imapereka yankho lomwe lingathe kuchita zomwezo.

Inshuwaransi yazaumoyo wamba sigwira ntchito ngati inshuwaransi ina iliyonse. Inshuwaransi yagalimoto ndi moyo idapangidwa kuti izilipira woyimilirayo pakakhala zochitika zosayembekezereka monga ngozi yagalimoto kapena imfa yosayembekezereka. Mosiyana ndi izi, inshuwaransi yazaumoyo nthawi zambiri imalipira dola yoyamba pazithandizo zodzitetezera nthawi zonse kuphatikiza pamankhwala okwera mtengo kwambiri.

Mitengo ya chithandizo chamankhwala ili yosalamulirika kotero kuti odwala ambiri amafuna ndondomeko ya inshuwaransi ya chipani chachitatu kuti alipire zofunika monga mankhwala kapena mayeso a labu. Kwenikweni, anthu aku America akasankha dongosolo lazaumoyo, amalipira kale ndalama zawo zothandizira zaumoyo kwa mkhalapakati kuti alipire opereka ndalama zambiri, zomwe zimalipidwa ndalama zambiri chaka chamawa. Chuma chikungowonjezera kukwera kwamitengo yazaumoyo.

Ndalama zomwe zimagwiritsidwa ntchito pachaka pazaumoyo ku United States zapitilira $4.1 thililiyoni, pomwe boma likugwiritsa ntchito ndalama zambirizo. Dzikoli likupezeka panjira yosakhazikikayi chifukwa odwala salimbikitsidwa kuti azigula pamtengo ndipo m’malo mwake amayenera kudalira makampani a inshuwaransi kuti akambirane za mitengo.

Chowonadi chomvetsa chisoni ndichakuti makampani a inshuwaransi nthawi zonse samangokhalira kusinthanitsa mitengo. Amayang’anizana ndi zolimbikitsa zopotoka zomwe zimapangidwa ndi Affordable Care Act (ACA). Pansi pa lamulo loletsa katangale, mabungwe a inshuwaransi amayenera kusunga ndalama zambiri akawononga ndalama zambiri, kotero ngati mitengo kapena malipiro akwera, mtengowo umagwera kwa odwala kapena olemba ntchito, osati ma inshuwaransi.

Ngati chithandizo chamankhwala, m’mabungwe abizinesi kapena m’boma, sichiphatikiza ndalama zothandizira zaumoyo, zingatheke bwanji? Mwamwayi, pali kampani yatsopano yomwe ikupita kutali ndi chithandizo chamankhwala kusukulu yakale ndikuthandiza odwala omwe alibe inshuwaransi kulipira ngongole zotsika mtengo zachipatala – dzina lake ndi CrowdHealth.

Kuchita bwino kwa CrowdHealth kumayamba ndikuthandiza odwala kupereka ndalama mwachindunji kwa othandizira. Mamembala amapereka mwezi uliwonse ku Maakaunti awo a Generosity Accounts. Pamene mamembala akusowa chisamaliro, ogwirizanitsa chisamaliro amafufuza dokotala woyenera ndi malo abwino kwambiri ndikukambirana za mtengo wandalama ndi wothandizira. Kenako ogwirizanitsa amapereka ndalama zolipirira ntchitoyo.

Wodwala wina ku Wisconsin anali ndi supraventricular tachycardia, vuto la mtima lomwe linkafunika kuwongolera. Chipatala chake chakumaloko chidatenga $83,655, koma wotsogolera wake adapeza wothandizira wabwino pamtengo wotsika kwambiri ku Oklahoma City. CrowdHealth idapeza ndalama, ndikulipira ndege zapamwamba komanso kugona usiku atatu pa imodzi mwamahotela okongola kwambiri mumzindawu. Ndalama zomalizira, kuphatikizapo ndalama zoyendera, zinali pafupifupi $30,000, zosakwana $53,000 kuchokera ku chipatala cha m’deralo zimene zikanamulipiritsa kaamba ka kachitidweko.

Madokotala amakonda kulipidwa ndi ndalama chifukwa amatha kulumpha mtengo woperekera inshuwaransi, kumenyera ziphaso zapanthawiyo, ndipo nthawi zambiri amadikirira masiku 90 kapena 120 kuti apeze ndalamazo. Ndalama zoyendetsera ntchitoyi zitha kutenga 25% ya bilu yomaliza yachipatala.

Crowdfunding ndikusintha masewera chifukwa imatha kulimbikitsa omwe akudumpha chisamaliro tsopano chifukwa chazovuta zamtengo wapatali kuti apeze chisamaliro chomwe akufunikira. Kupewa kuwononga ndalama pofunafuna chithandizo kungachepetse mtengo wa chithandizo chamankhwala kwa onse.

Dzikoli likufunika akatswiri ambiri monga CrowdHealth omwe angagwirizanitse odwala m’deralo kuti apeze mitengo yabwino ndikupereka inshuwaransi yazaumoyo yosatheka. Mayiko atha kuthandiza odwala ndi opanga nzeru kwambiri pokonza malamulo amakono aboma kuti afune kuti onse opereka chithandizo, ngakhale ali kuti, kuti agawane ndalama zawo mwachindunji. Crowdfunding sangakhale ya aliyense, koma ndalama zowononga zaumoyo zidzachepa odwala akapatsidwa zida zoyenera kuti kugula kukhale kosavuta.

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Tanner Aleph ndi director of health care policy ku Cicero Institute. mumtsate iye LinkedIn kapena Twitter (@Taliff5). Cicero Institute ilibe ubale wazachuma ndi CrowdHealth.

Josh Arcambault (Kuyika kwa TweetNdiwoyambitsa wa President’s Lane Consulting komanso Senior Fellow ku Cicero Institute.Kuyika kwa Tweetndi Pioneer InstituteKuyika kwa Tweet). mumtsate iye Twitter kapena LinkedIn.

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