Osasiya inshuwalansi ya thanzi la abambo anu chifukwa chakuti muli ndi ntchito

Uphungu wamwambo kwa makolo ndiwo kuthetsa ubale wachuma ndi ana awo aang’ono mwamsanga.

Tikufunsidwa kuti tizikankhira kunja kuti tipeze zofunika pamoyo kapena pachiwopsezo chokweza achikulire omwe alibe udindo – akukhala mwaulesi m’chipinda chawo chaubwana kapena chapansi – osatha kugwiritsa ntchito ndalama zawo.

Koma upangiriwu ndi wachikale pomwe chuma chikuyendabe chifukwa cha mliriwu. Kuthandiza ana akuluakulu sikuyenera kusokoneza ufulu wawo.

Maphunziro apamwamba kwambiri aku koleji (komanso opindulitsa kwambiri).

Ana athu tsopano akukumana ndi malipiro a lendi pamwezi omwe angakhale oposa 50 peresenti ya malipiro awo apakhomo. Kukwera kwa mitengo kumapangitsa kuti mitengo yazakudya ikwere. Mtengo wamagetsi wakwera. Ngati ana anu akufunika kugula galimoto yatsopano kapena yogwiritsidwa ntchito kale, amakumana ndi mitengo yokwera kwambiri.

Ndakhala ndikulimbikitsa makolo kulimbikitsa achinyamata kuti azikhala kunyumba nthawi yayitali, makamaka ngati akufunika kubweza ngongole yayikulu ya ophunzira. Ngakhale atakhala kuti alibe ngongole, zaka zingapo zokhululukidwa lendi zingawathandize kwambiri akadzachotsedwa ntchito. Chotero, ana anga atatu azaka 20 zakubadwa, atawona mtengo wa lendi m’tauni yaikulu, akukhala mosangalala m’nyumbamo.

Ndizodziwika kale komanso zovomerezeka kuti achinyamata azikhalabe pagulu la mafoni am’manja. Nayi njira ina yothandizira ana anu achichepere omwe angakhale ndi zotsatira zokhalitsa: Asungeni mu dongosolo lanu la inshuwaransi yazaumoyo. Ngati mungathe kupitiriza kusunga mwana wanu pa ndondomeko yanu ngakhale atapeza ntchito yoyamba yanthawi zonse, zidzawapatsa zaka zingapo zosungira zomwe angagwiritse ntchito kulipira ngongole kapena kuwonjezera zopereka zapuma pantchito.

Ndi ndime ya Affordable Care Act, yomwe imadziwikanso kuti Obamacare, achinyamata amatha kukhalabe pa dongosolo la makolo mpaka atakwanitsa zaka 26. Koma simungazindikire kuti akhoza kukhalabe mu ndondomekoyi ngakhale atagwira ntchito ku kampani yomwe imapereka chithandizo chamankhwala.

Chifukwa chiyani a Millennials sayenera kupitiliza ndi dongosolo la foni yam’manja ya makolo awo?

ACA imafuna mapulani omwe amapereka chithandizo chodalira ana kuti apereke chithandizo mpaka mwanayo atakwanitsa zaka 26. Kuphimba ndi kovomerezeka ngakhale ali pabanja kapena ali ndi ana. Kawirikawiri, amatha kukhalabe pa ndondomekoyi ngakhale sakukhala m’nyumba. Komanso sikuyenera kunenedwa ngati msonkho wodalira kuti mupitirizebe kufalitsa.

Khalani pansi ndi mwana wanu ndikuwunikanso mtengo wopezera chithandizo kudzera mwa abwana awo, chifukwa ndalama zopititsira mimba mpaka zaka 26 ndizokakamiza ngati mungakwanitse.

Ngakhale antchito atakhala ndi chithandizo, mtengo wonse wamalipiro, deductibles, ndi ndalama zina zotuluka m’thumba zingakhale zofunikira.

Malipiro apachaka a inshuwaransi yazaumoyo yamabanja omwe amathandizidwa ndi abwana anali $22,221 wamabanja ndi $7,739 pazakudya zapayekha chaka chatha, malinga ndi 2021 Employer Health Benefits Survey yopangidwa ndi Kaiser Family Foundation.

Ogwira ntchito zambiri zophimbidwa amathandizira pamtengo wawo. Pa avareji, ogwira ntchito amapereka 17 peresenti ya ndalama zolipirira munthu aliyense payekha komanso 28 peresenti yazothandizira mabanja. Avereji ya ndalama zoperekedwa ndi antchito ogwira ntchito pachaka zinali $1,299 pothandizira aliyense payekha komanso $5,969 pothandizira mabanja.

Momwe Inflation Reduction Act ingakhudzire chisamaliro chanu chaumoyo

Zolemetsa zachuma za kuchotsera zikuchulukirachulukira. Chaka chatha, 85 peresenti ya ogwira ntchito omwe adagwiritsidwa ntchito anali ndi kuchotsera pamalingaliro awo, kuchokera pa 74 peresenti zaka khumi zapitazo, malinga ndi lipoti la King Faisal Foundation.

Kampaniyo ikakhala yaying’ono, imakwera mtengo. Ogwira ntchito m’makampani omwe ali ndi antchito osakwana 200 amapeza kuchotsera pafupifupi 70 peresenti kuposa omwe ali m’makampani omwe ali ndi antchito osachepera 200 ($ 2,379 motsutsana ndi $ 1,397), malinga ndi KFF.

“Ngakhale mabwana ambiri amalipira ndalama zambiri za inshuwaransi yazaumoyo, ogwira ntchito ena amalandila ndalama zambiri kuti alembetse ntchito,” malinga ndi lipoti lina lazaumoyo la Peterson Healthcare ndi KFF. “Anthu omwe amathandizidwa ndi olemba anzawo ntchito nthawi zambiri amakumana ndi kuchotsedwa, zomwe zingafune kuti ogwirizana nawo awononge ndalama zambiri dongosololi lisanagwire ntchito zambiri.”

Lipotilo linapeza kuti ogwira ntchito m’mabanja opeza ndalama zochepa omwe amathandizidwa ndi olemba anzawo ntchito amawononga ndalama zambiri zomwe amapeza pazinthu zaumoyo kusiyana ndi omwe amapeza ndalama zambiri.

Pali zovuta zambiri kwa azaka 26 zakubadwa omwe amagwa pamtengo wa inshuwaransi ya makolo

Mawu ofunikira mumkangano wanga ndi kukwanitsa. Sizingakhale zotsika mtengo kukhalabe pa dongosolo la makolo. Kwa ife, mtengo sunasinthe kuyambira pamenepo, monga banja, timafunikirabe dongosolo labanja.

Izi sizingatheke ngati mukuyang’ana kuchotsa chithandizo chodalira chithandizo chifukwa muyenera kusunga ndalama. Zingakhalenso kuti mwana wanu wasamukira kumalo kumene sikungakhale kwanzeru kukhalabe mu ndondomeko yanu ngati akuyenera kuonana ndi akatswiri azachipatala kunja kwa intaneti yanu.

Ngati mukuvutika, mwana wanu akhoza kugawana ndalama, kuthandizidwa ndi kuchotsedwa kapena kulipira. Sichiyenera kukhala mgwirizano wa zonse kapena palibe.

Posakhalitsa, adzakalamba ndi kukhala paokha. Koma kusiyana pakati pa inu ndi inu kulipira ndalama zonse zothandizira zaumoyo kungapangitse kusiyana kwakukulu pakukweza ndalama zambiri mu thumba lanu ladzidzidzi ndi akaunti yopuma pantchito.

Kumayambiriro kwa mwana wamkulu wanthawi zonse akugwira ntchito, kumulola kukhalabe pa dongosolo lanu laumoyo kumamupatsa mwayi wopeza mpweya wake wachuma.

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