[An haɗu da wannan labarin tare da Emily Evans, Manajan Darakta mai kula da binciken manufofin kiwon lafiya a Gudanar da Hadarin Hedgeye.]
Rikodin su ba kawai tabo ba ne; yana da muni sosai. An tsara Dokar Jiyya ta Gaggawa da Dokar Ma'aikata ta 1986 don hana "zubar da marasa lafiya" ta asibitocin marasa lafiya na gaggawa ba tare da inshora ba.
Ana tafka zazzafar muhawara kan sakamakon da ba a yi niyya ba. Wani abin da ba a ce ba shi ne yadda ma’aikatan asibitin suka nace cewa doka ta kara kudin aikinsu. Wannan hujja ta yi shekaru da yawa na hidima ga manufofin kariyar da ke iyakance gasa da kare farashi.
Sannan akwai Dokar Kulawa mai araha. Ya kasance sasantawa tsakanin masu ba da shawara na "kulawan lafiya na duniya" da "Hanya ta Uku" ko "Sabon Democrats" waɗanda suke kallon manyan kasuwancin ba a matsayin cikas ga burinsu ba amma mai gudanarwa. Ƙungiya ta ƙarshe ta yi nasara fiye da babban burinsu. Tsohon har yanzu yana ƙoƙari.
Sakamakon rufewar gwamnati da ba a taɓa yin irinsa ba, Majalisa na ɗaukar wani yunƙuri na sa tsarin kula da lafiyar Amurka ya kasance. Abin baƙin ciki ga jama'ar Amirka, da alama matsalar ta cika su. Tare da gafara ga James Carville, "Farashin ne, wawa."
Tambaya mai sauƙi na "Nawa ne wannan farashin?" yana saduwa da kuka daga mandarins na tsarin da suka yi imanin cewa akwai wani abu na musamman, na musamman game da sayar da ayyukan kiwon lafiya wanda dole ne mu goyi bayan kariya daga gaskiyar kasuwa.
Ra'ayoyi kamar "zaɓi mara kyau" na iya zama baƙon ga matsakaitan Ba'amurke amma shi da wasu suna ganin sun ƙetare duk wasu la'akari kamar tasirin kuɗin inshorar lafiya akan kuɗin gida. An yi watsi da haƙiƙanin tattalin arziƙin gidaje na Amurka don kare ragi a dillalan inshorar lafiya tare da cikakken goyon bayan Majalisa.
Maimakon rataya kan hasashen wani yunƙurin manufofin mugun nufi, Fadar White House da Majalisa yakamata su yi amfani da kayan aiki mafi ƙarfi da ke akwai don ɗaukar farashi. Bayyanar farashin kiwon lafiya bangaranci ne - ikonsa na doka ya dogara ne da Dokar Kulawa mai araha, abin mamaki. Dukkanin gwamnatocin Trump da Fadar White House ta Biden sun sami ci gaba mai yawa kan ba da jagora da aiwatar da aiwatar da doka.
Ya zuwa yanzu. Abin da bayanan gaskiya ke gaya mana shine inshorar lafiya ga matasa da masu lafiya galibi haraji ne. A wani asibitin Alabama rangwamen kuɗin kuɗi na mammogram ɗin dubawa shine $148.33. Dangane da bayanin su ana biyan asibitin a ko'ina daga $67.55 zuwa $385.28 ta masu inshorar.
Don damar biyan dala 500 zuwa $1,000 a kowane wata a cikin kuɗin inshorar lafiya, wata mace mai insho a Alabama ta adana $80.78 da kamfanin inshoranta ya yi shawarwari.
Ana cire mammogram gaba ɗaya daga raba farashi. A gwiwa arthroscopy ba. Wannan macen a Alabama za ta iya biyan farashin kuɗi na $1,651.33 ko kuma kamfanin inshoranta ya sasanta $3,075.26. Idan Miss Alabama ta sadu da abin da za a cire ta, za ta biya kashi 20% na adadin da aka yi shawarwari. Idan ba ta samu ba, za ta biya cikakken kudin da aka yi yarjejeniya, ba farashin tsabar kudi ba.
Lokacin da albashi ke girma, ƙimar ƙimar inshorar lafiya ba ta da damuwa. Hakan ya kasance daga 2017 har zuwa 2022. Ƙara hauhawar farashin kayayyaki da Amurka ta fuskanta daga 2022 har zuwa kwanan nan kuma kun sami abin da kuka samu, rikicin tsadar rayuwa. Inshorar lafiya ga matasa da masu lafiya sun zama abin da za a iya samu maimakon abin da za su samu.
Mafi kyawun amsawar tattalin arziki ga yanayin halin yanzu shine ga matasa da masu lafiya don siyan inshorar lafiya tare da mafi girman deductible wanda suke jin daɗi kuma suna biyan kuɗi don komai.
Umurnin ma'aikata na Dokar Kulawa Mai Kulawa ya sa irin wannan dabi'a ta hankali ta yi kusan yiwuwa. A taƙaice, ya bayyana a zahiri wasu asibitocin sun haramta biyan kuɗi don ayyukansu!
Ba za a sami karancin masana tattalin arziki da apparatchiks na manufofin da ke ba da shawarwari kan wuraren tafki mai haɗari da yanayin da suka gabata da kuma ingantattun tambayoyi masu mahimmanci waɗanda suka shafi wannan ɓangaren al'ummar da ba matasa ba ne kuma masu lafiya.
Matsalar da ta fi daukar hankali ita ce rashin nauyin masu karbar albashi daga hauka na tattalin arziki. Ƙarshen wa'adin ma'aikata da rungumar bayanin farashin zai fassara zuwa haɓaka ga kusan Amurkawa miliyan 160 waɗanda ke matukar buƙatarsa.
References
Gallup. (2024). Kadan daga cikin Amurkawa sun san farashin kiwon lafiya. https://news.gallup.com/poll/609434/few-americans-know-healthcare-costs.aspx
Cibiyoyin Medicare & Medicaid Services (CMS). Bayanan Kashe Kiwon Lafiyar Kasa - Teburin NHE na Tarihi.https://www.cms.gov/data-research/statistics-trends-and-reports/national-health-expenditure-data/historical
Babban Bankin Tarayya na St. Louis (FRED). "Fihirisar Farashin Mabukaci: Jimlar% Canji (FPCPITOTLZGUSA)." https://fred.stlouisfed.org/series/FPCPITOTLZGUSA
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Josh yana zaune a Nashville Tennessee kuma kwararre ne na ganin bayanai wanda ke mai da hankali kan ƙirƙirar sauƙin fahimtar sigogi da dashboards tare da bayanai. A cikin bala'in cutar, ya ba da bincike don tallafawa ƙungiyoyin bayar da shawarwari na gida don ilmantarwa ta mutum da sauran ma'ana, manufofin covid da ke haifar da bayanai. Asalinsa a fannin injiniyan kwamfuta ne & tuntuba, kuma digirinsa na farko yana kan Injiniya Audio. Ana iya samun aikin nasa a kan rukunin sa "Bayanan da suka dace."
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