Kodi olemba ntchito akusangalala ndi mphindi ya Howard Bell yokhala ndi thanzi labwino?

Nkhani zaposachedwa kuchokera ku eHealth ndi Buyer’s Health Business Group zimalimbikitsa kukhumudwa kwa olemba anzawo ntchito ndi kukwera kwamitengo yolipira akamalipira.

Mufilimuyi 1976 networkwofalitsa nkhani Howard Bell – wokhumudwa ndi zoipa za anthu – adafuula momveka bwino pamlengalenga kuti: “Ndine wamisala monga gehena, ndipo sindidzalimbananso ndi izi!”

Ngakhale mabwana amasiku ano – okhumudwa ndi kukwera mtengo kwa chithandizo chamankhwala – mwina sanganene izi poyera, akuyang’ana njira zomwe zingatheke kuposa momwe anthu amachitira ndi magulu ngakhalenso inshuwaransi yoyendetsedwa ndi TPA.

Olemba ntchito ena akuluakulu amanena kuti akhumudwa ndi dongosolo lamakono Ken Gandamlangizi ndi pulofesa wothandizira pa University of Houston Medical School komanso katswiri pamakampani a inshuwaransi kwa zaka 40.

Zolengeza ziwiri m’masabata awiri apitawa zimatsimikizira kuti akupita ku mayankho atsopano.

Zotsatsa za E-Health ndi PBGH Zikuwonetsa Zomwe Zikukula

Chakumapeto kwa Ogasiti, kusinthana kwaumoyo wachinsinsi pa intaneti E-Health yalengeza Ipereka kwa olemba anzawo ntchito ‘ICHRA inshuwaransi yaumoyo ndi ntchito’. Kudzera m’makonzedwe obweza ndalama za Individual Health Coverage, omwe adayambitsidwa mu 2020, olemba anzawo ntchito amapereka ndalama zenizeni kwa ogwira ntchito kuti agule inshuwaransi yawo ndi ndalama zothandizira ndi ndalama zina.

Pa Seputembara 12, Buyer Health Business Group (PBGH) kwa nthawi yoyamba Zolinga zatsopano za “kuwongoleranso” ndalama za mamembala ndikugula kuti zikhale zotsika mtengo, zophatikiza, komanso chisamaliro choyenera. PBGH, yomwe ikuphatikizapo pafupifupi 40 ogwira ntchito za boma ndi apadera, idzayambitsa Komiti Yopereka Uphungu kwa Ogula Anthu kuti “akweze zosowa za mamembala a anthu ndikuthandizira kugwirizanitsa ntchito za ogula anthu ndi apadera.”

Pamenepo. Kutulutsidwa kwa atolankhani a PBGH kunanena kuti mamembala ake “akhumudwitsidwa ndi kusagwirizana kwabwino komanso kuwononga ndalama” komanso kuti pafupifupi 90% ya ma CEO amakampani akulu “akukhulupirira kuti mtengo wopereka chithandizo chaumoyo udzakhala wosakhazikika” mkati mwa zaka zisanu mpaka 10. . Awa ndi ndani Kafukufuku wa Epulo 2021 Kuchokera ku PBGH, Kaiser Family Foundation, ndi Western Health Institute. Pafupifupi 85% “akuyembekeza kuti boma lidzafunika kulowererapo kuti lipereke chithandizo komanso kukhala ndi ndalama.”

Larry Levitt, wachiĆ”iri kwa pulezidenti wamkulu wa ndondomeko ya zaumoyo, anati: “Zoyesayesa zilizonse zokulitsa zosankha za anthu kapena kuchepetsa mitengo yamtengo wapatali zidzatsutsidwa kwambiri ndi makampani a zaumoyo. Olemba ntchito … angakhale otsutsa amphamvu.”

Ma seti awiri a maunyolo agolide

Wina angatsutse kuti zopindulitsa zaumoyo zakhala “zopinga zagolide” kwa onse ogwira ntchito ndi olemba ntchito – amakakamiza anthu omwe ali ndi ntchito zosasangalatsa kuti apitirizebe kuphimba ndikutembenuza olemba ntchito kukhala opereka chithandizo chachikulu chaumoyo monga njira yokopa ndi kusunga talente.

“Mumsika womwe udakali wovuta kwambiri, olemba anzawo ntchito akutenga kuchuluka kwamitengo yazachipatala,” atero a Debbie Ashford, wofufuza zachipatala ku Aon ku North America. Mu Ogasiti, kampaniyo kuyembekezera Kuwonjezeka kwa 6.5% kwa ndalama zothandizira zaumoyo pa wogwira ntchito aliyense mu 2023. Malingana ndi deta kuchokera kwa olemba ntchito a 700, kuwonjezeka kumaposa kawiri zomwe olemba ntchito amalipira kuchokera ku 2021 mpaka 2022.

Kuthandizira kwachindunji pakutalika

Kulimbana kotereku kumafunikira counterweight yomwe Levitt wa KFF adatchula. ICHRA ndi mmodzi wa iwo. Masanjidwewo akuyimira mtundu wa matenda a ‘defined contribution vs. defined benefit’. Chinsinsi chanzeru adayitana zaka zoposa khumi.

Ngakhale zikunenedweratu kuti magalimoto monga maakaunti osungira thanzi omwe amaphatikizidwa ndi mapulani otsika mtengo kwambiri apanga 90% ya msika wamapulani azaumoyo pofika chaka cha 2016. Sizinakwaniritsidwebemneneri wa E-Health ananena kuti chidwi cha ICHRA chinali chodziwikiratu kampaniyo isanakhazikitse tsamba lake la webusayiti kuti ilimbikitse.

Willis Towers Watson (WTW) adanenanso za kukwera kwa zopereka zomwe zafotokozedwa:

  • 41% ya olemba ntchito pakali pano amagwiritsa ntchito njira ndi 11% ina “akukonzekera kapena kuganizira kutero zaka ziwiri zikubwerazi.”
  • Zopereka izi nthawi zambiri zimasiyana malinga ndi gulu la ogwira ntchito.
  • Makampani opitilira 28% adagawa zopereka kutengera malipiro a antchito kapena gulu lantchito ndipo 13% akuyembekezeka kulowa nawo pofika 2025.

Izi zimachokera ku WTW 2022 Best Practices in Health Care Survey, yomwe idaphatikizapo makampani pafupifupi 450 aku US ndi ogwira nawo ntchito 8.2 miliyoni.

Olemba ntchito ali okonzeka kusankha ulendo wawo

Zidzatenga nthawi yopereka chithandizo ndi njira zina monga mgwirizano wachindunji kulamulira.

“Pakadali pano, olemba anzawo ntchito apitiliza kuyang’ana ku inshuwaransi ndi ma inshuwaransi kuti awathandize. Koma ena adzafuna mitengo yotsika, ndipo adzakhala okonzeka kuyang’ana masinthidwe osiyanasiyana,” akutero Ganda, ndikuwonjezera kuti thandizo linalake likhoza Lipirani zambiri, kusintha mphezi.

Ngati mabwana akwiya kale ngati gehena networkKu Howard Beale, njira zatsopano zowunikira zidzawathandiza kutsatira mfundo yatsopano: Osangokwiyitsa, kutengeka.

Laura Berman ndi wolemba wothandizira wa HealthLeaders.

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