Will Medicare kasance a wurin lokacin da kake buƙatar shi?
Medicare iya zama cikin matsala. A cewar rahotanni na 2016, Asusun Medicare Trust Fund zai kashe kudi daga 2028, shekaru biyu da suka gabata tun lokacin da aka gabatar a shekara ta 2015. Shin zai bar Amurkawa ba tare da kula da lafiyar su ba?
Ta yaya Asusun Aminci na Medicare Trust yake aiki?
Asusun Asusun Asusun Asibiti na Medicare na tallafa wa Medicare Sashe A A. Wannan ɓangare na Medicare yana biyan kudin kula da asibitin asibiti da kuma asibiti.
Ga mutanen da aka dakatar daga asibiti, yana kuma rufe lokaci mai tsawo a ma'aikatan kulawa da jinya ko kuma, a matsayin madadin mutanen da suka za i kada su je wurin kayan aiki, sabis na kiwon lafiya gida.
Yawancin jama'ar Amirka ba su biya kowane wata na kashi na A, kodayake za su biya bashin kuɗi , haɗin kai, da kuma biyan kuɗi don ayyukan da aka ba su. Kyauta masu kyauta ne kyauta ga mutanen da suka ba da gudummawar kashi 40 (shekaru 10) ko fiye a cikin Biyan kuɗi na Medicare a kan rayuwarsu. Sun riga sun biya bashin rabonsu a cikin tsarin, kuma aikin da suke yi yana samun kyautar kyauta ga mata .
Mutanen da suka yi aiki a kasa da kashi 40, a wani gefe kuma, za a caje su a kowane wata kuma waɗannan daloli za su ƙara sauri. Sashe na A kyauta ga mutanen da suka yi aiki tsakanin 30 da 39 da'irar su ne $ 226 a wata ($ 3,192 a kowace shekara) a shekara ta 2016. Ga wadanda ke aiki a kasa da kashi 30, farashin ya karu zuwa $ 411 a wata ($ 4,932 a kowace shekara).
Kudin da aka tattara a haraji da kuma biyan kuɗin kuɗi shi ne asusun Medicare Trust Fund. Wadannan daloli bazai isa ba don biyan bukatun yawan al'ummar Medicare ta 2029.
Rashin Imanin Ƙwararrun Ƙwararrun Yara
Ofishin Jakadancin Amirka ya bayar da rahoton cewa, haihuwar miliyan 72.5, a tsakanin 1946 da 1964, wanda ake kira jaririn jariri.
Hakika, adadin jaririn jariri zai kasance cikin juyin halitta. Yi la'akari da gaskiyar cewa ba dukan mayaƙan jariri za su rayu zuwa shekaru 65 da kuma waɗanda suke "sabuwar" ba a cikin wannan rukuni na zamani zasu shiga ƙasar ta hanyar hijira. Tare da duk dalilai da aka yi la'akari, ana kiyasta cewa 'yan Amurkan 8,000 zuwa 10,000 suna da shekaru 65 a kowace rana kuma za su yi haka ta hanyar 2029. A 2029, ana sa ran kashi 20 cikin dari na yawan jama'ar Amurka zasu cancanci Medicare.
Ba wai kawai dubban mutane suke kaiwa Medicare ba a kowace rana, amma ran rai ma yana tashi. Gudanar da Tsaron Tsaron Tsaro ya ba da labarin rai mai rai na 84.3 da 86.6 ga maza da mata. Yayin da mutane ke rayuwa, zasu iya samun matsaloli na likita. Fiye da kashi uku na mutanen da ke tsakanin shekaru 65 zuwa 84 suna da akalla biyu zuwa uku na likita. Fiye da kwata na cikinsu za su sami hudu zuwa biyar.
Mutane da yawa suna rayuwa tsawon lokaci yana da ƙarin matsalolin kiwon lafiya da kuma farashin haɓaka. Shin Asusun Aminci na Medicare zai iya ci gaba?
Kudin Kudin Kasuwancin Kasuwanci
Kamar yadda adadin yanayin kiwon lafiya ya ci gaba, Cibiyoyi na Medicare da Medicaid (CMS) sunyi amfani da kayan kiwon lafiya da yawa, ciki har da ziyara na gaggawa, ofisoshin likitocin, ziyara na gida, na asibiti, asibiti, da kuma bayanan kula da ayyukan kamar gyaran gyare-gyare da farfadowa na jiki .
A matsakaicin, Medicare Part A yana ciyarwa kimanin $ 13,000 na mutum amma farashin zai iya zama mafi girma ga masu cin moriya. Masu amfana na asibiti na iya biyan kuɗin dalar Amurka 5,700 a kowace shekara idan suna da yanayi biyu zuwa uku. Wannan lambar fiye da ninki biyu zuwa $ 12,000 don yanayin hudu zuwa biyar kuma ya haura zuwa $ 32,000 don yanayi shida ko fiye.
A haɗuwa, waɗannan abubuwa zasu cika kudin Asusun Medicare Trust a matsayin rashin daidaituwa da kudaden shiga. Idan Medicare ya fita daga kudi, ta yaya za a iya samun cikakken lafiyar 'yan ƙasa a lokacin da suka riga sun fara aiki?
Sharuɗɗa don Ajiye Medicare
Idan Medicare zai kula da tsofaffi na Amirka a cikin dogon lokaci, wani abu zai kasance ya canza.
Ra'ayoyin yadda za a cim ma wannan sun kasance masu rikici kuma sun haɗa da wadannan:
- Rage yadda Medicare ke biya likitoci da asibitoci. Kiwon lafiya yana da babbar damuwa da wannan tsari. Shin likitocin likita za su yarda da Medicare don biyan kuɗi idan sun yi zaton ba za a biya su ba? Kamar yadda yake tsaye, akwai likitancin likita mai zuwa saboda iyakacin kudi don tallafawa likita.
- Rage amfani da Medicare. Babu wanda yake so ya biya adadin daidai don ƙasa. Kamar yadda yake tsaye, mutane da yawa suna jayayya cewa Medicare ba ya rufewa sosai . Alal misali, Medicare ba zai kalubalanci ruwan tabarau na gyara , hakora, ko saurare ba ko da yake al'amuran da ke faruwa a yayin da muke girma suna canje-canje a hangen nesa, lafiyar hakori, da ji. Wannan ya bar Amirkawa da yawa ba tare da aikin kiwon lafiyar da suke bukata ba.
- Ƙara shekaru don cancanta na Medicare. 'Yan Republican kamar Sanata Bulus Ryan sun ba da shawarar bunkasa shekarun Medicare zuwa shekaru 67. Duk da yake wannan zai rage adadin mutanen da suka cancanci Medicare a kowane shekara, wannan zai sa nauyin tsofaffi su biya bashin biyan kuɗi masu tsada a yanzu. Wannan zai iya rinjayar ba kawai tanadi na sirri ba amma lokacin da tsofaffi zasu iya samun damar yin ritaya.
- Ƙãra ƙara-of-pocket kudi ga masu cin nasara. Ƙara yawan kuɗi, cututtuka, coyerance, ko takardun kudi na Medicare zai iya taimakawa wajen tallafawa Asusun Asusun Medicare Trust-amma amma masu tsofaffi zai iya ba shi? Yawancin tsofaffi suna kan hanyar samun kudin shiga kamar yadda yake, kuma farashin kula da kiwon lafiyar suna tasowa.
- Ƙara yawan haraji na asibiti Medicare. Karin haraji? Wannan shi ne abin da Shugaba Ronald Reagan ya yi da Dokar Tsafta ta Caticace a shekarar 1988 . Dokar ta buƙatar ƙara amfani da miyagun kwayoyi da kuma hana tsofaffi daga lafiyar lafiyar lafiyar bayan kwantar da hankali, amma dokar ta soke ta cikin shekara daya saboda rashin goyon bayan jama'a da kuma rudani game da biyan haraji. Shin Amirkawa za su ji daban game da karuwar haraji a yau?
Matsalar da dama daga cikin wadannan shawarwari shine cewa suna matsawa tsofaffi masu yawa da suke rayuwa a kan kuɗin da suka dace. Kamar yadda yake tsaye, Amfanin Tsare na Jama'a ya kasance lebur. Ba tare da karuwa ba a cikin Kuɗin Kuɗi na Rayuwa (COLA) shekaru da suka wuce, an riga an tilasta tsofaffi su shimfiɗa kudaden su.
Sanarwar ta CMS cewa Asusun Medicare Trust Fund na iya kasancewa a cikin shekarun da suka gabata shi ne alamar gargadi bayyananne. Mazan tsofaffi Amirkawa suna fuskantar haɗari don rasa damar yin amfani da kiwon lafiya lokacin da suke da muni kuma suna buƙatar shi. Yanzu da muke ganin matsalar da ke gabatowa, yaya ya kamata mu kusanci shi? Better yet, ta yaya za mu warware shi? Amsoshin tambayoyin da suka kasance don muhawara amma abu daya ya bayyana: Mahimmancin gyaran kiwon lafiya ya kamata ya zama muhimmiyar kasa da yanzu.
> Sources:
> Kwamitin Shawarar Asibiti na Asibiti da Ƙarin Asusun Kula da Asusun Kula da Asibiti. 2016 Rahoton Shekara . https://www.cms.gov/Research-Statistics-Data-and-Systems/Statistics-Trends-and-Reports/ReportsTrustFunds/Downloads/TR2016.pdf. An buga Yuni 22, 2016.
> Calculators: Rayuwa na Rayuwa. Tsaron yanar gizon Tsaron Tsaro. https://www.ssa.gov/planners/lifeexpectancy.html.
> Yanayin yanayi a tsakanin masu amfani da Medicare, Chartbook: Edition 2012. Cibiyoyin Cibiyar Magunguna da Magungunan Medicaid. https://www.cms.gov/research-statistics-data-and-systems/statistics-trends-and-reports/chronic-conditions/downloads/2012chartbook.pdf.
> Colby SL, Ortman JM. Ƙungiyar jaririn jaririn a Amurka: 2012 zuwa 2060 . Mayu 2014; P25-1141. https://www.census.gov/prod/2014pubs/p25-1141.pdf.