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Kachilombo ka Corona ndi kukwera kwa mitengo kukweza mtengo wa inshuwaransi yazaumoyo ku Maryland – Baltimore Sun

Iwo omwe amagula inshuwaransi yawo yaumoyo ku Maryland adzalipira pafupifupi 6.6% chaka chamawa, pafupifupi 4.4% yocheperako kuposa onyamula omwe amafunikira, malinga ndi Dipatimenti ya Inshuwalansi ya Maryland, yomwe idavomereza kuwonjezeka.

Akuluakulu aboma adati mu Meyi pomwe ma inshuwaransi adapempha kuti ziwonjezeke zomwe amayembekezera kuti ndalama zokhudzana ndi mliri wa coronavirus zikweze mtengo wa inshuwaransi yazaumoyo yoperekedwa ndi onyamula atatu aku Maryland pansi pa Affordable Care Act, yomwe imadziwikanso kuti Obamacare.

Kuyambira nthawi imeneyo, kukwera kwa inflation kwakhala chinthu, ngakhale kuti kuwonjezereka kwamitengo yovomerezeka kukutsika pansi pa kukwera kwa inflation komwe kwafika pa 8.4% chaka chino, adatero Kathleen A. Perran, wothandizira inshuwalansi ku Maryland.

Kuwonjezekaku kumakhudza anthu opitilira 232,000 omwe amagula inshuwaransi kudzera mukusinthana kwaumoyo wa boma kapena mwachindunji kuchokera ku kampani ya inshuwaransi. Ambiri aiwo sapatsidwa inshuwaransi ndi owalemba ntchito.

Mindandanda yakula chaka chatha ndi nthawi yolembetsa yapadera yomwe cholinga chake ndi kufikira anthu omwe achotsedwa ntchito ndi inshuwaransi panthawi ya mliri. Medicaid, pulogalamu ya inshuwaransi yazaumoyo kwa anthu omwe amalandila ndalama zochepa, yakulanso, ngakhale boma likuyambiranso cheke kuti awone ngati anthu akuyenerabe kupuma panthawi yazaumoyo.

Pakuwonjezeka kovomerezeka, mitengo ya okhala ku Baltimore azaka 40 pa pulani yasiliva yotsika mtengo ikwera:

  • 3.8% ya pulani ya CareFirst BlueCross BlueShield ya HMO yokhala ndi anthu opitilira 149,000. Zolipira pamwezi zidzakwera kuchoka pa $12 mpaka $335.
  • 13.3% pa ​​pulani ya CareFirst BlueCross BlueShield PPO yomwe imakhudza pafupifupi 16,300. Malipiro adzakwera $60 mpaka $513.
  • 4.5% pa dongosolo la United Healthcare’s HMO, kukweza ndalamazo kuchokera $15 mpaka $350.
  • 2.7% ya pulani ya HMO kuchokera kwa Kaiser Permanente, kukweza ndalamazo kuchokera $7 mpaka $268.

Pafupifupi 80% ya anthu amalandila phindu ku federal kuti athandizire kulipira mtengo wamalipirowo. Idzapitilira kulimbikitsidwa ndi malamulo omwe aperekedwa posachedwa ndi Congress kudzera mu Inflation Reduction Act.

Izi zikuyenera kuthandiza anthu kukhala ndi inshuwaransi yomwe adagula panthawi ya mliri, komanso achinyamata ena ndi maubwino ena omwe alipo, atero a Michelle Eberle, director wamkulu wa Maryland Exchange for Health Benefits.

“Zaka zingapo zapitazi zawonetsa kuti anthu aku Maryland akumvetsetsa kufunikira kokhala ndi chithandizo chamankhwala,” adatero m’mawu ake. “Ngakhale mitengo yamapulani a zaumoyo ikukwera kwa anthu ena okhala ku Maryland, ndalama zilipo. Tikuthokoza kwambiri chifukwa cha Inflation Reduction Act yomwe imathandizira kuti anthu ambiri azithandizira zachuma mpaka 2025.”

Mtengo wa mapulaniwo unagwa kwa zaka zingapo pambuyo poti pulogalamu ya reinsurance yovomerezedwa ndi General Assembly mu 2018 inathandizira kuthetsa ndalama zomwe zimagwirizanitsidwa ndi opindula kwambiri. Beran adati pulogalamuyo ikulepheretsa kuwonjezeka kwamitengo.

“Pulogalamu ya reinsurance ikupitilizabe kugwira ntchito,” adatero Beran m’mawu ake.

“Kusintha kwa 2023 kumagwirizana ndi kuchuluka kwa ndalama zomwe amayembekezera komanso ziyembekezo za momwe ndalamazo zidzakhalire mu 2023, malinga ndi kukwera mtengo kwa zinthu. zonse ndi zinthu zofunika kwambiri zomwe zimakhudza,” adatero. mitengo.” “Komabe, takhala okhoza kusunga mitengoyo kukhala yocheperako chifukwa cha kukwera kwa mitengo chifukwa cha programu ya reinsurance.”

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Akuluakulu a CareFirst adanena kuti ngakhale kuti ndondomeko ya reinsurance ya boma yakhala yokhazikika, pakufunikabe kupeza njira zochepetsera mtengo wa chithandizo chamankhwala.

“CareFirst ikuyembekeza kugwirizanitsa ntchito zamtsogolo zolimbikitsa mtengo wotsika wa chisamaliro komanso chithandizo chamankhwala chotsika mtengo,” adatero m’mawu ake.

Akuluakulu a Kaiser adanena kuti mitengo ya 2023 ikuwonetsa “ndalama zomwe zikuyembekezeredwa kuti zipereke chithandizo chamankhwala chapamwamba komanso chithandizo kwa mamembala athu onse kwa nthawi yayitali.”

UnitedHealthcare sinayankhe pempho loti apereke ndemanga.

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