Inishuwarenzi Yehutano Kudhura Zvakawanda Kune Vashandi Nevashandirwi Muna 2020
Inishuwarenzi Yehutano Kudhura Zvakawanda Kune Vashandi Nevashandirwi Muna 2020
Anonim

Nhau dzakaipa: Inishuwarenzi yehutano yepabasa kune vese vashandi nevashandirwi vachasvetuka muna 2020.

Dhata kubva kuNational Business Group on Health (kana Bhizinesi Boka) rakaratidza kuti vashandi vanogona kupa mari inosvika mazana mana emadhora mazana mashanu mumitengo yehutano muna 2020, kusanganisira kushandisa-muhomwe. Nekune rimwe divi, makambani makuru anotarisira kuti mutengo wakakwana wekuvharirwa kwehutano hwebasa kuavhareji yemadhora gumi nemashanu, 375 muna 2020 zvichienzaniswa nemadhora gumi nemana, 642 muna 2019. Zvose izvi zvinosanganisira mupiro wevashandi nevashandirwi kuinishuwarenzi.

Yakavakirwa muWashington D.C., Bhizinesi Boka ndiro chete sangano reAmerica risingabatsiri rakazvipira kumiririra maonero makuru evashandirwi panyaya dzemitemo yenyika.

Dhiyabhorosi kubva kuKaiser Family Foundation yakaratidza kuti vashandi vane mhuri vachatarisana nemitengo inodhura zvikuru muna 2020 kana ichienzaniswa ne2018. Vashandi vakabhadhara mari inosvika 7 726 $ muna 2018 mubhadharo yekuvhara mhuri yevana, akadaro nheyo. Pakati pese, $3,020 yakabva mukugovana-mutengo, kusanganisira kubviswa, coinsurance uye copayments.

Avhareji yekuvharirwa kamwe chete muna 2018 yaive $1,573 pakati pevashandi muchirongwa chine mari inobviswa pagore, sekureva kwaKaiser. Avhareji yaive yakakwira zvakanyanya kune yakakwira-deductible hutano zvirongwa -- $2, 349 yekuvhara imwechete.

Izvo zvinofanirwa kucherechedzwa kuti yakakwirira-deductible zvirongwa zvinowanzouya neakaundi yekuchengetedza hutano (HSA). Iyi iaccount-yakanakira mutero inobvumira vashandi kuchengetedza pretax madhora, kukura kukosha kwemari yavo pasina mutero uye kushandisa mari iyi kune vanokwanisa hutano mari.

Data yeBusiness Group yakaratidza kuti muna 2018, 4 mugumi vevashandirwi vakangopa zvirongwa zvakakwirira-zvinobviswa. Chikamu chimwe chete muzvina chevashandirwi vanoti vachazviita muna 2020.

Data ya2019 kubva kuKaiser yakaratidzawo avhareji yepagore premium yekuvhara imwechete yakakwira 4 muzana kusvika $ 7, 188. Avhareji yepagore premium yekuvhara mhuri yakakwira 5 muzana kusvika $20, 576.

Vashandi vakavharwa vakapa, paavhareji, 18 muzana yemutengo webasa rimwe chete uye 30 muzana yemutengo wekubhadhara mhuri pamwe nekusiyana kukuru mumafemu. Data yakaratidza kuti 57 muzana yemafemu akapa hutano kune vangangoita vamwe vashandi vavo.

Avhareji yemubhadharo wepagore wevashandi vanofukidzwa nemafemu avo muna 2019 yaive madhora manomwe, 188 yekuvhara imwechete uye madhora makumi maviri, 576 yekuvhara mhuri.

Zvichienzaniswa nemaprimiyamu muna 2018, avhareji yemubhadharo mumwe chete wakawedzera ne4 muzana nepo avhareji yemhuri premium yakakwira ne5 muzana. Mukati memakore mashanu apfuura, avhareji yemari yekubhadhara mhuri yakakwira ne22 muzana. Huwandu uhu hwakakura kudarika inflation yeUS (8 muzana) kana kuwedzera kwemihoro yevashandi (14 muzana) panguva imwe chete iyoyo.

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