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Kafukufuku wapeza kuti inshuwaransi ingakhudze momwe odwala amasamalidwa bwino

Kafukufuku wasonyeza kuti anthu omwe amagwiritsa ntchito Medicaid ndi omwe alibe inshuwaransi yazaumoyo adanenanso za chithandizo chopanda chilungamo kuchokera kwa azaumoyo ndi ogwira ntchito m’maofesi kuposa omwe ali ndi inshuwaransi yapadera.

Pafupifupi 10% ya akuluakulu omwe ali ndi chithandizo chaumoyo wa anthu monga Medicaid adanena kuti adachitiridwa kapena kuweruzidwa mopanda chilungamo m’chipatala chifukwa cha inshuwalansi yawo poyerekeza ndi 1.3% ya akuluakulu omwe ali ndi inshuwalansi yapadera, malinga ndi kafukufuku wa Dulce Gonzalez, MPP ndi anzawo. Ku Urban Institute, thanki yotsamira kumanzere pano.

“Zokumana nazo za kusamalidwa kopanda chilungamo kapena kuweruza m’malo azachipatala chifukwa cha mtundu wa inshuwaransi zakhala zikugwirizana ndi zosowa za thanzi zomwe zingayambitse kusamalidwa bwino, zomwe zingawononge thanzi la odwala ndi thanzi, ndikuthandizira kusagwirizana kwaumoyo ndi mtundu ndi mtundu. fuko,” akutero olembawo m’mawu awo oyamba.

Iwo anawonjezera kuti “malingaliro opereka chithandizo kapena zochitika zokhudzana ndi Medicaid” – kuphatikizapo malipiro ochepa a Medicaid – angayambitsenso kuchitiridwa zinthu mopanda chilungamo.

Ofufuza adasanthula deta ya Epulo 2021 kuchokera ku Urban Institute Health Reform Monitoring Survey (HRMS), woyimira dziko lonse, kafukufuku wapa intaneti wa akuluakulu azaka zapakati pa 18 mpaka 64 omwe adayamba mu 2013 kuti apereke chidziwitso chanthawi yake pa Affordable Care Act. Zomveka (ACA). Zomwe zili m’mabanja omwe ali ndi intaneti kapena opanda intaneti. HRMS imachitika chaka chilichonse ndipo oyankha 9,067 adatenga nawo gawo mu Epulo 2021.

Gonzalez ndi ogwira nawo ntchito adayang’ana zotsatira zake kudzera m’mitundu iyi ya inshuwaransi yazaumoyo: kuperekedwa kwachinsinsi kwa chaka chonse, kuperekedwa kwa anthu onse, komanso inshuwaransi yazaka zonse. Inshuwaransi yaboma idaphatikizapo Medicaid ndi Medicare, ndipo pafupifupi 90% ya omwe adafunsidwa ndi inshuwaransi yaboma adanenanso kuti adalandira Medicaid. Inshuwaransi yachinsinsi imaphatikizapo inshuwaransi yothandizidwa ndi abwana, Msika wa ACA ndi zina zomwe si zamagulu, ndi TRICARE kapena chithandizo china chankhondo.

Ofunsidwa anafunsidwa ngati, m’miyezi 12 yapitayi, anawona kuti sanachitiridwe mwachilungamo mu ofesi ya dokotala, chipatala, kapena chipatala chifukwa cha chimodzi kapena zingapo mwa zifukwa zotsatirazi: fuko kapena fuko, chizindikiritso cha amuna kapena akazi kapena amuna, malingaliro ogonana, kapena kugonana, kapena Dziko lochokera, chilankhulo choyambirira, mtundu wa inshuwaransi yaumoyo, kulumala, thanzi, kuchuluka kwa ndalama, kapena chifukwa china chilichonse.

Ponena za zomwe “chisamaliro chopanda chilungamo” chimatanthauza kwa odwala, olembawo sanathe kuyang’ana izi mu phunziroli, Gonzalez adanena poyankhulana pa foni, ndikuwonjezera kuti, “Tili ndi zotsatila pamene tikuyesera kuti mudziwe zambiri zomwe – -kuti.”

Pa kafukufukuyu, “Odwalawo adanenanso kuti sanasamalidwe bwino … [instances where] Amawona kuti adachitiridwa zinthu kapena kuweruzidwa mopanda chilungamo chaka chathachi pazachipatala, kotero anthu akanatha kuzindikira izi mwanjira zingapo. ”

Ponseponse, 9.8% ya achikulire omwe sanali okalamba adanenanso kuti adachitiridwa zinthu mopanda chilungamo m’chaka chatha chifukwa cha chimodzi kapena zingapo mwazifukwa zomwe tafotokozazi, ndipo achikulire omwe ali ndi chidziwitso pagulu omwe analibe inshuwaransi yazaumoyo anali ndi mwayi wowirikiza kawiri kuti awululidwe. . Ofufuzawa adapeza kuti akuluakulu omwe ali ndi chidziwitso chapadera adanena kuti amachitiridwa mopanda chilungamo pa chifukwa chimodzi kapena zingapo (17.4% ndi 13.9% motsutsana ndi 6.4%).

Pakati pa 9.8% ya akuluakulu omwe adanena za chithandizo chopanda chilungamo pazifukwa zilizonse, pafupifupi gawo limodzi mwa magawo atatu (3.6%) adanena kuti amachitiridwa mopanda chilungamo chifukwa cha inshuwalansi ya umoyo, kaya okha kapena ophatikizana ndi chimodzi kapena zifukwa zina. Izi zinaphatikizapo 2.8% ya akuluakulu omwe adachitiridwa mopanda chilungamo chifukwa cha mtundu wawo wa inshuwalansi ya umoyo ndi zifukwa zina, ndi 0.8% omwe adachitidwa mopanda chilungamo chifukwa cha mtundu wawo wa inshuwalansi ya umoyo wokha.

Akuluakulu omwe ali ndi chithandizo chapagulu komanso omwe alibe inshuwaransi yazaumoyo anali othekera kwambiri kuposa omwe ali ndi chitetezo chapadera kuti afotokozere chithandizo chosayenera chifukwa cha mtundu wawo wa inshuwaransi yazaumoyo limodzi ndi chifukwa chimodzi kapena zingapo (7.8% ndi 5.7% vs. 1.0%), Malinga ndi olemba analemba.

Ngakhale, “Pambuyo pa kusintha kwa chiwerengero cha anthu, chikhalidwe cha anthu, thanzi, ndi chikhalidwe cha anthu omwe sali okalamba mu chitsanzo chathu, kusiyana kwa magawo a anthu omwe amafotokoza za kuchitiridwa mosayenera chifukwa cha mtundu wa inshuwalansi ya umoyo kumakhalabe pakati pa akuluakulu omwe ali ndi inshuwaransi ndi anthu akuluakulu. pakati pa achikulire opanda inshuwalansi ndi amene ali ndi inshuwaransi mwachinsinsi, kusiyanaku kumachepa.”

Pa chifukwa chomwe anthu amachitiridwa mopanda chilungamo chifukwa cha inshuwaransi yawo, Gonzalez adanena kuti ntchito yakale ya ochita kafukufuku yapeza kuti odwala amachitira nkhanza chifukwa chakuti “anthu savomereza mtundu wawo wa inshuwalansi, kapena amatsika chifukwa satero. Zifukwa zina zingakhale zokhudzana ndi vuto lopeza inshuwaransi yazaboma ndi yachinsinsi – mwachitsanzo, kukhala ndi zovuta zambiri kupeza chilolezo chamankhwala kapena mankhwala ena.

Ofufuza adapeza kuti mitundu yowunikira anthu sinali yokhayo yomwe imatsimikizira ngati akumva kuti adachitiridwa zinthu mopanda chilungamo kapena kuweruzidwa mopanda chilungamo. Mu kusanthula kosasinthika, akuluakulu akuda omwe ali ndi chidziwitso chachinsinsi anali ochuluka kuposa akuluakulu azungu omwe ali ndi chidziwitso chachinsinsi kuti afotokoze chithandizo chopanda chilungamo chifukwa cha mtundu wa inshuwalansi ya umoyo (3.2% vs. 0.9%). Akuluakulu a inshuwaransi omwe ali ndi ndalama zapakhomo za 138% kapena zochepa za msinkhu waumphawi wa federal analinso ndi mwayi wopereka chithandizo chopanda chilungamo chifukwa cha mtundu wa inshuwalansi ya umoyo kusiyana ndi omwe ali ndi ndalama zambiri (4.8% vs. 1.1%).

  • Joyce Frieden amayang’anira kufalitsa kwa MedPage Today ku Washington, kuphatikiza nkhani za Congress, White House, Khothi Lalikulu, mabungwe azachipatala, ndi mabungwe aboma. Iye ali ndi zaka 35 zakuchitikira pa nkhani zaumoyo. Tsatirani

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