Lacagta waxay u badan tahay in ay tahay arrin weyn oo ka dambeysa haweenka uurka leh si ay u xanaaneeyaan - ama u boodaan si wadajir ah.
Taasina waa sababta ay haweenku u fekerayaan inay si ka duwan uga fikiraan caymiska caafimaadkooda. Haddii aad tahay mid ka mid ah boqolkiiba 40 haweenka ah ee ah macaamilka aasaasiga ah ee caymiska caafimaadka ee sidoo kale daboolaya xaaskaaga iyo / ama caruurta, tanina waa mid aad uga muhiimsan. Waa kuwan waxaad u baahan tahay inaad ogaato.
Caymiska weli lama badalin
Dumarku waxay qabaan walaac caafimaad oo khaas ah oo u baahan in la xisaabiyo markii la dooranayo qorshe caymis caafimaad. Isbeddelada soo socda ee Sharciga Daryeelka Lacagta la Yiqiin karo iyo sharciyada kale ee daryeelka caafimaadka ayaa soo bandhigi kara dhibaatooyin cusub oo loogu talagalay haweenka raadinaya caymiska.
Laakiin haatan, Obamacare ayaa weli jira - taasna macnaheedu waa haddii aad leedahay caymis, daryeelkaaga ka hortagga ah ee la daboolay waa la daboolay, ayaa sheegay in Nate Purpura ehealth.com. Taas waxaa ka mid ah booqashooyinka sanadlaha ah ee haweenka, tallaalka HPV (taas, habka, hablaha dhallinyaradu waa in ay helaan sidoo kale), iyo labadii sano ee labadii sanadood ee da'doodu ahayd 40 jir. "Dad badan ayaan ka faa'iideysaneyn tan," ayuu yiri Purpura .
"Waxay ka soo horjeedaa fikradda ah in aynu hore u qabano oo aan daweyno." Daryeelka hooyada ayaa sidoo kale la daboolay. Sidaa daraadeed waa boqolkiiba 95 boqolkiiba boqolkiiba qiimaha ka-hortagga uur-qaadidda.
Maaddaama ay hadda taagan tahay, rigoorka loo qabo haweeney ayaa sidoo kale baxday. Ka hor inta aaney aheyn ACA, haddii aad ka soo iibsatay caymis caafimaad adiga (adiga oo aan ka helin loo-shaqeeye), way ka badan tahay haddii aad tahay haweeney.
Immisa ayey tahay? Celcelis ahaan $ 34 bishii, ama $ 400 sannadkii, sida laga soo xigtay eHealth. Taasi run maahan. Dhinaca kale, "ma jiraan wax badan oo rogrogmi kara markaad dooraneyso faa'iidooyinkaaga ," ayuu yiri Purpura. Marka kor loo qaado, "wax walba waa la daboolay mana jiro qorshe caymis oo aan u socon [kharash dheeraad ah] haddaad tahay qof dumar ah."
Raadso Khaas ahaan Dhakhaatiirta iyo Rijeetooyinka
Waxaa jira aaminaad guud in haweenku ay daacad ka yihiin ragga. Laakiin cilmi baarista jaamacadda Erasmus ee Stijn van Osselaer ayaa sheegtay, in aanay qasab ahayn. Raggu way daacad u yihiin ururada, laakiin haweenku waxay u badan tahay inay qiimeeyaan xidhiidhada shakhsi ahaaneed. Sidaa darted, waxaan daacad u nahay timo-dhaqaaleyaashayada, kuwa iibiya ee jecel iyo, haa, dhakhaatiirteena.
Sidaas darteed haddii aad dareentid daacad u ah dhakhtarkaaga - ama xitaa haddii aad si gaar ah ugu raaxaysato iyaga - hubso inay aqbalaan qorshaha caymiska aad dooratid inta lagu jiro waqtiga diiwaangelinta furan. Haddii aad u maleyneyso inay tani tahay sannadka aad uur leedahay, si gaar ah u hubso in OB / GYN aad rabto inaad isticmaasho waa qorshahaaga. Dhamaantiis, haddii lacag bixinta ka yar tahay qorshe micnaheedu waa dhakhtarka aad u jeceshahay daboolan, oo aad dabayshu booqanayso dhakhtarkiisa, markaa waxad u qalantaa inaad bixiso wax yar oo dheeraad ah si aad caymis u hesho.
Markaad ku sugantahay, hubso in wixii daawo ah ee aad qaadato ay daboolan yihiin.
Dhibaatooyinkaaga Caafimaadkuna waa kala duwan yihiin - waana inay ku dhaqaaqaan go'aanka caymiskaaga
Aynu dhigno faa'idooyinka hooyada xilligan xaadirka ah (maxaa yeelay, sida aan u xusnay, waxay mar walba daboolan yihiin) oo diiradda saaraan sadexda walwal caafimaad ee ay tahay in haweenku ogaadaan.
- Cudurka Wadnaha. Waa sababta ugu weyn ee geerida dumarka ku nool Mareykanka, oo masuul ka ah ilaa afar qof oo hal dhimasho ah ee dumarka sannad kasta.
- Kansarka, halista ugu halista badan ee caafimaadka dumarka. Ka soo horjeeda caqiidada caanka ah, kansarka naasku maahan kan ugu caansan ee dhimashada - halkan sharaf leh ayaa u gudbaysa kansarka sanbabada, kaas oo mas'uul ka ah qiyaastii 71,000 oo dhimasho sanadkiiba.
- Stroke, oo keena boqolkiiba 6 dhimashada dumarka oo dhan, laakiin sidoo kale waa sababta keentay curyaanimada muddada dheer; 60 boqolkiiba ee istaroogga oo dhan waxay u dhacaan dumarka.
"Haddii aad ku jirtid kooxda halista ah ee mid ka mid ah cudurradan, waxaa laga yaabaa inaad dooneyso inaad tixgeliso qorshe hooseeya," ayuu yiri Jennifer Fitzgerald, oo ah maamulaha suuqa caymiska ee PolicyGenius.com. Waxaad bixin doontaa lacag dheeraad ah oo ku saabsan siyaasaddaada, laakiin haddii aad dhacdo, qarashyadaada guud ayaa la daboolayaa.
Heli Dhibaatooyinkaaga Hadda
InsuranceQuotes.com ayaa dhowaan soo saartay warbixinta eegaysa khatarta daryeelka caafimaadka haweenka gaar ahaan hoosta Madaxweynaha Trump. "Waxaan u maleyneynaa in daryeelka ka hortagga ah uu sii socon doono," ayuu yiri Laura Adams, oo ah falanqeeyaha caymiska ee goobta. "[Si kastaba ha ahaatee,] waxa ay ahayd mid gaar ah oo ku saabsan Obamacare waa in ay ku jiraan adeegyo badan oo haween ah oo ay ka mid yihiin daryeelka kahortagga - tusaale ahaan, dhalashada koontaroolka." Daryeelka ka hortagga noocan ah, waxay tiri, waxay iska tagi kartaa wax alla wixii ka bedelaya Obamacare.
Taasi waxay ku doodaysaa inaad ka faa'iideysanayso faa'iidooyinka ku jira siyaasaddaada hadda, adigu. "Hel booqashooyinka sanadlaha ah," ayuu yiri Adams. "Waqtigaan sanadka soo socda, nooca caymiska noocan ahi ma noqon karo mid hodan ah haweenka."
Kelly Hultgren