Ƙididdigar alamar ƙarawa: Ƙarƙashin abin da kake buƙatar sani.
A makon da ya gabata, HHS ta ba da cikakken bayani game da kuɗin da aka samu ta hanyar Healthcare.gov a shekara ta 2016. Ɗaya daga cikin mahimman bayanai shi ne cewa kashi 7.5 cikin 100 na jihohi 37 da suka yi amfani da Healthcare.gov a 2015 ( tare da karawa na Hawaii, jihohin 38 suna amfani da dandalin inscription na Healthcare.gov a cikin shekara ta shekarar 2016).
Amma menene ainihin wannan ma'anar?
Shirin benci shine shirin na Ƙarshe na azurfa mafi ƙasƙanci a cikin wani yanki. To, idan kun tafi lafiyacare.gov (ko kuɗin musayar ku na jihar idan kun kasance a daya daga cikin jihohin 13 da ke gudanar da musayar su) da kuma samun kuɗi, shirin na Silver wanda shine mafi ƙarancin kuɗin da ya ɗora shi shine alamar kasuwanci shirin a yankinku. Dalilin da ke da mahimmanci shi ne saboda tallafin tallafin yana dogara ne akan kiyayyar farashin kuɗin da aka nuna a cikin matakin da ake tsammani za'a biya a karkashin ACA.
Rahoton da HHS ya buga a makon da ya wuce ya hada da matakan da aka yi a cikin manyan jihohi 37. Amma a cikin jihohi, akwai shirye-shiryen daban-daban a yankunan daban-daban. Kuma ko da idan shirin ya kasance daidai a wurare daban-daban, farashin zai iya zama daban, saboda wuri yana ɗaya daga cikin abubuwan da za a iya amfani dashi don saita kuɗi.
Rahoton HHS ya haɗa da yawan adadin kuɗin ƙasa don ƙarin canje-canje na banki, amma har ma ya haɗa da canje-canje mai mahimmanci a cikin manyan manyan yankuna 30.
Wannan bayanan yana taimakawa wajen kwatanta yadda alamun kasuwancin ke bambanta a cikin jihar. Alal misali, a duk fadin jihar Georgia, yawan kuɗin da aka samu a cikin shekara ta 2016 ya karu da kashi 6.1 cikin 100. Amma a cikin yankin Atlanta, ƙaurin mahimmanci zai kasance kawai 4.7% mafi tsada a shekarar 2016.
Tsarin alamar alama zai iya zama daban a kowace shekara
Wani mahimmiyar mahimmancin fahimtar ƙididdigar alƙawari na hakika shi ne cewa alamar na iya zama tsari daban daban daga shekara guda zuwa gaba.
A shekara ta 2015, shirin na Silver wanda shine mafi girma mafi girma a yankinka zai iya kasancewa shirin $ 5,000 daga Carrier X. Amma idan Carrier X ta karu da rabi fiye da Carrier Y, shirin da aka yi a shekara ta 2016 - a cikin wannan yanki - zai zama $ 4,800 shirin da ba zai yiwu ba daga Carrier Y. Lokacin da HHS ya ce shirin da aka kiyasta ya karu da kashi 7.5 cikin dari a 2016, suna nufin kudin da ke cikin matsakaicin kuɗin da aka samu mafi ƙarancin azurfa a cikin musayar. Ba dole ba ne ya zama daidai da yadda za a canza canjin da ke riƙe da filin a shekarar 2015. A cikin labarin da ke sama, sauyin kudi zai iya kwatanta farashin Carrier X a 2015 tare da farashin Carrier Y a 2016.
Saboda haka karuwar karuwar kashi 7.5% a cikin kuɗin bashi ba ya gaya muku wani abu game da yadda kuɗin ku na yanzu zai canza. Amma yana nuna alamar yadda kuɗin tallafinku na iya canzawa na gaba. Bugu da ƙari, kawai adadin kuɗi ne kawai; ƙayyadaddun suna bambanta daga wannan yanki zuwa wani. Amma idan tsarin shirin na Silver wanda shine mafi girma mafi girma a yankinka zai kasance da tsada a shekara ta 2016 fiye da yadda yake a shekarar 2015, tallafin ku zai zama mafi girma a wannan shekara kuma. Kuma baya kuma gaskiya ne. A cikin yankunan da alamar benci za ta kasance ƙasa a shekarar 2016, tallafin za su kasance ƙasa, tun da ba a ba da tallafi sosai don samun sabon farashi na alamar benci zuwa matakin da za a iya ba (Indiana, Maine, Mississippi, da kuma Ohio duka suna da ƙananan kuɗin da aka samu a cikin shekara ta 2016 fiye da yadda suke a 2015).
Ɗauki lokaci zuwa siyayya a kusa
Babu wata hanya ta san yadda shirinku, tallafin ku, da sauran shirye-shirye a yankinku zai kasance har sai kun gwada samfuran zaɓuɓɓukan yayin budewa. Gyaran shirinka na sabuntawar kanka zai iya haifar da mamaki lokacin da ka samo asusunka na Janairu ; ko da idan kun san yadda shirin ku na shirin ya canza, canjin canji zai iya haifar da mafi girma ko muni fiye da yadda kuke sa ran. Kuma tun lokacin da masu kawowa ke ba da shirye-shirye daban-daban a wasu wurare a shekara mai zuwa, za ka iya gane cewa sabon shirin zai samar da mafi daraja fiye da ajiye abin da kake da shi a yanzu. Babu wani-girman-daidai-duk lokacin da lokaci ya sabunta sabunta lafiyar ku - shagon a kusa!
A duk fadin, farashi a kasuwa daya (a duk faɗin duk matakan ƙarfe da ciki har da shirye-shiryen kashe-kashen) ya karu da kashi 12% zuwa 14% a shekarar 2016, yana zaton babu wanda ke shagunan kuma yana canzawa zuwa sabon shiri. Amma idan masu sayarwa suna sayarwa a kusa da su, za su iya ƙare tare da canje-canjen canje-canje da yawa fiye da haka.
Nuwamba zuwa Janairu bude budewa - kasuwa daya kawai
Shirin budewa wanda ya fara ranar 1 ga watan Nuwamba kuma ya ci gaba har sai Janairu 31 kawai ya shafi kasuwar inshora na asibiti. Idan ka sami asibiti na asibiti daga mai aikinka, madogaran shigar da kanka na daban ne. Medicare yana da jerin shirye-shiryen shigar da takardun budewa da kuma aikin likita na Medicaid / CHIP wanda ke gudanar a shekara. Ƙididdigar asalin alamar da aka kwatanta a cikin rahoton HHS kawai shafi mutanen da suka sayi inshora na lafiyar mutum a cikin ƙungiyar ACA ta haɓaka a cikin jihohin 37 da suke amfani da Healthcare.gov (duk da cewa mutum ya sayar da shi a waje da musayar a cikin jihohi zai ga canje-canjen canje-canjen da suke kama da canjin canje-canje akan musanyawa).