doctor holding red stethoscope

Unduna wokhudza zaumoyo akuwunikiridwa kwambiri

Kuyambira ndimeyi ya Affordable Care Act mu 2010, maunduna okhudzana ndi zaumoyo akhala ngati njira zotsika mtengo zomwe ma inshuwaransi adziko amapereka kumsika wa Obamacare. Nthawi zambiri amapangidwa ndi mabungwe achikhristu, mautumiki omwe akugwira nawo ntchito anali ndi ubwino wina wosakhala ndi mphamvu za ACA pa kulera ndi kuchotsa mimba. Magulu a zipembedzo ting’onoting’ono anauzidwa kuti azitha kubisa anthu awo pamene akusunga mfundo zawozawo zamakhalidwe abwino.

Mautumiki omwe akutenga nawo mbali si inshuwaransi yazaumoyo, ngakhale otsutsa amati nthawi zambiri amafotokozedwa motero. M’malo mwake, ndi ma co-op momwe ogula amaphatikiza ndalama zawo kuti azithandizana pakagwa mwadzidzidzi. Ngakhale akhalapo kwa zaka zambiri, olembetsa m’mapulogalamuwa akuti awonjezeka kuchoka pa mamembala pafupifupi 100,000 mu 2010 mpaka mamembala 1.5 miliyoni mu 2020.

Tsopano Woimira U.S. Jared Hoffman, congressman kwa gawo lalikulu la Bay Area, akutsatira zomwe amazitcha zachinyengo zamalonda ndi machitidwe owopsa a mautumiki ogawana zaumoyo, akudzudzula ogula ngongole omwe sanalipidwe.

imayitanitsa kuwonekera

Ngakhale akatswiri amakampani amawona kuti maunduna ena azachipatala apereka chithandizo chowolowa manja pazifukwa zazikulu zachipatala, sali okakamizika kutero ndipo sayang’aniridwa ndi kuwongolera, malinga ndi tsamba la Verywell Health. Masheya azaumoyo sayenera kutsatira zomwe boma likufuna kuti apindule ndi thanzi ndipo amatha kusiya chithandizo chamankhwala am’maganizo, vuto la kugwiritsa ntchito mankhwala osokoneza bongo komanso chisamaliro chodzitetezera, malinga ndi mutual chuma fund.

Hoffman adati kuchotserako poyambirira kunali kufuna kulola “mautumiki enieni achipembedzo,” monga gulu la Amish, “kuchita zomwe akufuna popereka ndalama zothandizira zaumoyo.” M’malo mwake, iye anati, “Ndinatsegula bokosi la Pandora kwa ziwembu zonsezi za Ponzi.”

“Vuto lofala ndilakuti anthu amaganiza kuti ali ndi chithandizo chofanana ndi inshuwaransi yazaumoyo, ndipo amapeza zovuta kuti satero,” adatero Hoffman.

Mu Julayi, Hoffman adayambitsa Health Sharing Transparency Act. Ngati ziloledwa, zingafunike kuti maunduna okhudzana ndi zachipatala aulule zambiri ku Internal Revenue Service, Consumer Financial Protection Bureau ndi mabungwe ena aboma, kuphatikiza zidziwitso zokhudzana ndi nkhokwe zandalama, ndi kuchuluka kwa madola omwe asonkhanitsidwa motsutsana ndi ndalama zomwe zidagwiritsidwa ntchito. Ntchito zachipatala ndi chiwerengero cha omwe adalowa mu mautumiki omwe akugwira nawo ntchito.

Unduna wa zaumoyo uyeneranso kukhala ndi mndandanda wazinthu zomwe zikuwona kuti siziyenera kubwezeredwa ndikuwulula kwa ogula kuti iwo si inshuwaransi ndipo sakuyenera kulipira ngongole.

“Chomwe chimakhudza kwambiri ndikuwululira, kuyankha, ndikuwonetsetsa kuti pali kuyang’anira boma kuti liteteze ogula,” adatero Hoffman.

Mu Januware, Woyimira milandu wamkulu waku California Rob Ponta adasumira Aliera Cos. ndi banja la Musa, lomwe linayambitsa Sharity Ministries, yopanda phindu yomwe Ponta adanena kuti ndi utumiki wokhudzana ndi zaumoyo. M’malo molipira chithandizo chaumoyo wa mamembala ake, malinga ndi madandaulo aboma, Aliera wakana zomwe adanenazo ndikusunga pafupifupi 84% ya zopereka za mamembala ake.

Asanazenge mlandu ku California, mayiko ena oposa khumi ndi awiri anali atachitapo kanthu ndi kampaniyo. Chilimwe chatha, kampani ya Sharity idasumira ku bankirapuse, kusiya mabanja pafupifupi 10,000 ali ndi ngongole zamamiliyoni.

Miyezo Yovomerezeka

Mabungwe okhudzana ndi zaumoyo akulimbana kuti ateteze mbiri yamakampaniwo. Bungwe la Alliance of Healthcare Engagement Ministries, gulu lolandirira alendo lomwe linakhazikitsidwa mu 2017, posachedwapa linalengeza bungwe latsopano lovomerezeka lodziimira lomwe likufuna kuti mautumiki akwaniritse zofunikira zina “zosonyeza kukhulupirika ndi kukhulupirika kwawo.”

Mautumiki ambiri atumiza kale mafomu awo ndipo akuwunikiridwa, a Katie Talento, wamkulu wa gululo, adatero. “Tikukhulupirira kuti iyi ndi njira yabwino kwambiri yopezera kuwonekera komanso kuyankha mlandu komwe kumafunikira zaka zingapo zapitazo,” adatero Talento. “Tawona kuyamba kwa mabungwe ena otukuka m’dera lino … akuwoneka ngati mautumiki omwe amagawana chithandizo chamankhwala.”

Bungwe la Accreditation Board lidzawunika nthawi yokonza mautumiki komanso kuthetsa mikangano ndi madandaulo, ndi ndalama zonse zomwe zimagawidwa komanso zosagawanika pakati pa mamembala, malinga ndi mgwirizanowu. Imayang’ananso za dongosolo lazamalamulo ndi utsogoleri komanso malangizo othandizira umembala.

Komabe, Talento sagwirizana ndi malamulo a Hoffmann omwe adawafotokozera kuti ndi “osocheretsa”.

“Sitikuganiza kuti boma ndi labwino kwambiri ndipo sililoledwa kusokoneza mkati mwa ntchito ya utumiki wachipembedzo,” adatero Talento, ndikuwonjezera kuti bungwe lovomerezeka mwaufulu lingathe kuchita zambiri kuposa zomwe zimaloledwa kapena zoyenerera “boma lililonse” kuchita. kapena kukhala ndi nthawi yochita.

Hoffman sangavomereze. Mu 2018, adathandizira kupeza Free Thought Caucus ku Congress, yomwe imalimbikitsa ndale zozikidwa pa kulingalira ndi sayansi, imateteza kulekana kwa tchalitchi ndi boma ndipo, monga Hoffman adanena, ikuwonetsa “zoipa zomwe zimachitika m’dzina la chipembedzo.”

makampani amayankha

Kwa Evelio Silvera, wolankhulira dipatimenti ya Christian Care, yomwe imayang’anira Medi-Share, malamulowa amathandizidwa ndi andale omwe akupita patsogolo omwe “malingaliro ndi cholinga chawo ndikusankha bwino anthu aku America pankhani ya zisankho zawo zaumoyo.”

Silvera adati Medi-Share, yomwe tsopano ikulowa mchaka cha 30 ngati unduna wogawana chithandizo chamankhwala, yagawa ndalama zoposa $ 6 biliyoni polipira ndikuchotsa kwa mamembala ake 400,000. “Tinayamba ngati kagulu kakang’ono ka mipingo, ndi madikoni akugogoda pakhomo pano ku Florida, kupempha akhristu ena kuti afufuze njira yokhalira … ndi kukwaniritsa zosowa za wina ndi mzake,” adatero Silvera.

Ananenanso kuti Medi-Share ikunena za “momwe tilili abwino ku madola mamembala.” Webusaiti ya Medi-Share ikunena kuti sichirikiza “moyo wosagwirizana ndi Malemba” ndipo sililipira kuchotsa mimba kapena kugwiritsa ntchito mankhwala osokoneza bongo.

“Timathandiza kusamalira malipiro a ngongole pakati pa mamembala, koma ndi mawu awo ndi zokhumba zawo … kutsogolera momwe pulogalamuyi imagwirira ntchito,” adatero.


Chidziwitso cha Mkonzi – Nkhaniyi idawonekera koyamba pa Religion News Service, yomwe imapereka nkhani zachipembedzo komanso mphambano zake pazandale komanso zachikhalidwe.

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