Ndalama za inshuwaransi kuchokera ku “default” ya Colorado, akuti think tank | Denver Metro News

Zambiri zamasungidwe a inshuwaransi yazaumoyo omwe oyang’anira a Polis adapeza sizachilendo kapena “zongopeka chabe” chifukwa akuluakulu aboma amaganiza kuti, kwenikweni, zimasemphana ndi momwe ogula amapangira zisankho, bungwe loganiza bwino lochokera ku Denver lidatero pakuwunika Lachinayi. .

Poyankha, mkulu wa bungwe la inshuwalansi la boma adatcha phunziroli “losocheretsa.”

Oyang’anira Apolisi anali atanena kale kuti zochita zake ndi “ndalama zambiri” – zomwe zidakwana $326 miliyoni. M’malo mwake, a Coloradans akuyang’anizana ndi 7.4% pamsika wamagulu ang’onoang’ono, omwe amatsimikizira mabizinesi omwe ali ndi antchito pakati pa 100 ndi 10.4% pamsika pawokha, womwe umathandizira anthu omwe amayenera kulipira inshuwaransi yazaumoyo, mu 2023.

Pakatikati pa vutoli ndi Colorado Option, ndondomeko yaumoyo yopangidwa ndi boma yomwe inshuwaransi iyenera kuyamba kupereka pa January 1, 2023 yomwe Dipatimenti ya Apolisi yafotokoza kuti ndi njira yochepetsera ndalama za inshuwalansi.

Mu lipoti, a Common Sense Institute, thanki yoganiza zaulere, idati $ 294 miliyoni zomwe zasungidwa – za $ 326 miliyoni zomwe oyang’anira adachita – zidawerengedwa kale ndi pulogalamu ya Colorado reinsurance, yomwe yakhalapo kuyambira 2020 ndipo imakhudza munthu payekha. msika, osati msika wamagulu ang’onoang’ono.

Kusungirako kwina kwa $ 14.7 miliyoni, kusanthulako kudati, “akuganiza kuti ogula asintha nthawi yomweyo ku mapulani otsika mtengo a Colorado Options mkati mwa chitsulo chilichonse.” Popeza kuti mapulani a Colorado Option sadzakhala mtengo wotsika kwambiri pamsika, lipotilo linati, ogula atha kugula mapulani otsika mtengo a Colorado Option.

Kuphatikiza apo, njira ya Colorado ingabweretse “zowopsa zambiri pamsika wazaumoyo,” makamaka pamalipiro omwe ogula amalipira inshuwalansi yawo.

Kudulidwa kofunikira kumakula kuchoka pa 5% mu 2023 mpaka 10% mu 2024, ndipo pamapeto pake kudzafika pa 15% mu 2025, atero a Chris Brown, wachiwiri kwa purezidenti wa mfundo ndi kafukufuku ku CSI, zomwe zimapangitsa zovuta kuti onyamula azigwira ntchito ku Colorado.

Dongosololi likuchepetsa ndalama zolipirira inshuwaransi yazaumoyo, monga momwe idakhazikitsira malamulo omwe adakhazikitsidwa mu 2021, koma CSI idati ndalama zolipirira mtsogolo ndizotsika kwambiri kuti zitha kuloleza kukwera mtengo kwachipatala komwe makampani azachipatala angakumane nawo mtsogolo.

Brown adanena kuti izi zidzakakamiza opereka chithandizo chamankhwala kuti asankhe pakati pa ntchito zochepetsera kapena kupereka ndalama pokweza mitengo kwa ambiri a inshuwalansi ku Colorado. Mapulani achikhalidwe omwe amathandizidwa ndi olemba anzawo ntchito mwina angakhudzidwe ndi ndalama zokwerazi.

“Ndikuganiza kuti wothandizira zaumoyo aliyense, chipatala, sing’anga, sing’anga, adzakumana ndi mitundu yosiyanasiyana popanga chisankho,” a Brown adauza Denver Gazette. “Koma mofanana ndi mabanja a Colorado, zipatala ndi madokotala akukumananso ndi inflation yomwe imakhudza mtengo wawo wopereka chithandizo.”

“Mukawona kusokonezeka kwamtunduwu, kunyamuka kwa onyamula, kukwera kwamitengo, kumapangitsa kuti zikhale zovuta kukulitsa bizinesiyo,” anawonjezera Brown.

M’mawu ake, Commissioner wa Inshuwalansi wa Colorado a Michael Conway adanenetsa kuti anthu aku Colado awona ndalama, ndipo adanenanso kuti zotsutsana ndi “zosocheretsa”.

“Bungwe lamilandu, Bwanamkubwa Polis, ndi mabungwe omwe amasamala za anthu agwira ntchito mwakhama m’zaka zinayi zapitazi kuti akhazikitse zinthu kuti apulumutse ndalama zothandizira zaumoyo. Izi zikutsimikiziridwa ndi ndalama zokwana madola 326 miliyoni zomwe anthu angasunge m’chaka chotsatira. Conway adauza Denver Gazette. Colorado Inshuwalansi mwatsatanetsatane m’mawu atolankhani a October 25. ” “Ntchito ya kuwunika kwa dipatimenti ya dipatimenti, pulogalamu ya reinsurance ndi chisankho cha Colorado ndikupulumutsa anthu ndalama zothandizira zaumoyo.”

Conway anawonjezera kuti, “Ma inshuwaransi a zaumoyo m’malo osiyanasiyana alimbana ndi mapulogalamu onsewa, choncho n’zosadabwitsa kuti inshuwalansi ya umoyo ndi magulu awo omwe ali nawo chidwi chapadera akupitiriza kufalitsa zabodza zokhudza iwo. Ndipo ndife okonzeka kugwira ntchito ndi mabungwe omwe akufuna kupulumutsa anthu ndalama. pa zachipatala.” Tikukhulupirira kuti aliyense amene akupereka ndalama zothandizira ntchito yosocheretsa imeneyi kuchokera ku bungwe la Common Sense Institute apanga chosankha choti achite m’njira yothandiza kwambiri kuti apite patsogolo.”

Kuwunika kwa CSI kunati chiwopsezo chaopereka chithandizo “chiwonekere” pamsika wamagulu ang’onoang’ono: mtundu wake wa opereka ma projekiti a 2021 atha kutolera ndalama zochepera 37% kuposa mapulani amagulu ang’onoang’ono pofika 2030.

Gululi likuwona kuti, kale, ma inshuwaransi anayi achoka pagulu laling’ono kapena msika wapayekha – kapena onse – ku Colorado.

  • Bright Health inakoka mapulani onse a inshuwalansi ya umoyo – gulu laling’ono ndi munthu payekha, komanso Medicare – kuchokera ku Colorado, zomwe zimakhudza osachepera 55,000 ogula m’madera asanu ndi atatu amapiri;
  • Humana, yomwe ikukonzekera kukoka mapulani a inshuwalansi ndi magulu ang’onoang’ono kuchokera ku Colorado ndi 2024, zomwe zimakhudza olembetsa a 183,000;
  • Oscar Health, yomwe inalengeza mu May kuti ikuchoka pamsika payekha; Ndipo the
  • Peak Health, mgwirizano womwe umatsimikizira anthu 6,400, wati sichigwira ntchito mu 2023.

Kuchokaku kumatanthauza kuti mazana masauzande a okhala ku Colorado tsopano akuyenera kufunafuna chithandizo chamankhwala kwina ndipo mwina ataya mwayi wopeza omwe amawakonda.

Gululi linanenanso kuti mu 2023, mapulani amsika ochepera 91 adzaperekedwa kuposa 2022.

“Pamene malamulo okhwima okhwima akuyamba kugwira ntchito mu 2024 ndi 2025, mapulani ochulukirapo ndi onyamulira atha kukakamizidwa kuchoka ku Colorado,” adatero CSI kafukufuku.

Kelly Caulfield, director director ku CSI, adati a Coloradans akumana ndi ziwonjezekozi pakati pazovuta zakukwera kwamitengo.

“Miyezo ya inshuwaransi yaumoyo ikukwera, tikudziwa kuti ndalama zolipirira maphunziro zikukwera, ndipo tikudziwa kuti kukhala ku Colorado kukukulirakulira,” adatero Caulfield. “Chifukwa chake, ndikuganiza pamene tikufunsa mu ’23 tikukhulupirira kuti opanga mfundo amaganizira momwe mfundo zonsezi zimagwirira ntchito pang’ono ndipo zimapanga, ndikuganiza, malo ovuta kwambiri kwa ogula.”

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