Izibalo zezikweletu zezokwelapha ezingama-2021

Inkampani

Isikweletu sezokwelapha siyinkinga ekhulayo e-U.S., Lapho abantu abaningi baseMelika bethola ukungazinzi kwezezimali ngisho nokuqothuka. Ngokusho kocwaningo lwe-2016 Kaiser Family Foundation kanye neNew York Times, ngaphezu kwe-1 kwabane baseMelika babe nenkinga yokukhokha imali yezokwelapha yakamuva. Futhi lapho kunqwabelana isikweletu sezokwelapha, lokho kungaholela ezinqumweni ezinzima zezimali, njengokufuna ukunciphisa ukudla, okokugqoka noma ezinye izinto zasendlini eziyisisekelo

Yize izehlakalo ezingalindelekile njengokuhlala esibhedlela kungumnikelo omkhulu (I-American Journal of Medicine ibika lokho cishe isigamu sabantu ababhekene nokuqothuka kwezokwelapha babiza izikweletu zesibhedlela njengezindleko zabo ezinkulu) , kodwa izindleko eziphakeme zokunakekelwa kwezokwelapha ngokuqinisekile akusizi. Okuzo thathwa isibonelo esisodwa nje , isilinganiso sokuhlala esibhedlela e-U.S. kubiza ama- $ 5,220 ngosuku — uma kuqhathaniswa ne- $ 765 nje kuphela e-Australia. Kukonke, I-U.S. isebenzisa ama- $ 3.5 trillion ekunakekelweni kwezempilo ngonyaka .

Izibalo ezilandelayo zisiza ukukhanyisa ubukhulu benkinga yesikweletu sezokwelapha eU.S.

Iqiniso lesikweletu sezokwelapha

Izinkinga zezikweletu zezokwelapha zingahlasela noma ngubani: Inkinga inciphisa amaqembu wobudala namazinga emfundo. Ngisho nabantu abangabhekwa njengabanomthwalo wezezimali bangathinteka esikweletini sezokwelapha. Abangaphezu kwengxenye yabantu baseMelika abanezikweletu zokwelashwa abanazo ezinye izikweletu ezibhalwe ohlwini lwemibiko yabo yezikweletu. Isikweletu sezokwelapha sisodwa singenza kube nzima ngalaba bantu ukuthenga izindlu noma ukuthola isilinganiso esifanele ekhadini lesikweletu.

• Isilinganiso seminyaka yabantu abadlula ngendlela yezokwelapha yiminyaka engama-44.9. ( Ijenali Yokwelapha yaseMelika , 2009)
• Phakathi kwabantu abahlangabezana nokuqothuka kwezokwelapha, ama-46.3% ashadile. ( Ijenali Yokwelapha yaseMelika , 2009)
• Phakathi kwabantu ababhekana nokuqothuka kwezokwelapha, ama-60.3% aye ekolishi. ( Ijenali Yokwelapha yaseMelika , 2009)
• Imali engenayo emaphakathi yenyanga yamafayili wokuqothuka kwezokwelapha ingu- $ 2,586 / ngenyanga. ( Ijenali Yokwelapha yaseMelika , 2009)
• Phakathi kwemindeni ehlangabezana nokuqothuka kwezokwelapha, ama-20.1% yimindeni yamasosha. ( Ijenali Yokwelapha yaseMelika , 2009)
• Isikweletu esilinganiselwe semindeni ehlangabezana nokuqothuka kwezokwelapha ngu- $ 44,622. ( Ijenali Yokwelapha yaseMelika , 2009)
• Cishe i-19.5% yemibiko yesikweletu sabathengi ifaka iqoqo elilodwa noma amaningi ezokwelapha. (I-Consumer Financial Protection Bureau, 2014)
• Isikweletu sezempilo esingakhokhiwe esimaphakathi esirekhodwe emibikweni yesikweletu ngu- $ 579. (I-Consumer Financial Protection Bureau, 2014)
• Ama-22% wabathengi abanezikweletu eziqoqiwe banezikweletu zokwelashwa kuphela. (I-Consumer Financial Protection Bureau, 2014)
• Ama-54% wabathengi abanezikweletu zokwelashwa abanazo ezinye izikweletu ezibhalwe ohlwini lwemibiko yabo yesikweletu. (I-Consumer Financial Protection Bureau, 2014)

Izindleko zomuntu zesikweletu sezokwelapha

Isikweletu sezokwelapha-nokwesaba isikweletu sezokwelapha-kunemiphumela emibi kubantu baseMelika. Enye yezinkinga ezinkulu ukuthi isikweletu singenza abantu bangazinaki izinkinga zezokwelapha. Cishe oyedwa kwabathathu baseMelika uthi sebephuzile ukuthola ukunakekelwa ngoba bekhathazekile ngezindleko .

Kunoma iyiphi enye insimu, lapho abantu bekhathazeka ngokukhokha imali eningi kakhulu ukuthola insizakalo, bangathenga ezitolo. Kepha abaseMelika abazame lokhu ngezinsizakalo zezokwelapha abanayo inhlanhla njalo. Kubantu abadala abathi bazamile ukuthenga ezitolo, ama-69% abize isipiliyoni ngokuthi sinzima noma sinzima kakhulu .

• Ama-21% abantu abadala abaneminyaka engu-18-64 abakaze benze ukuhlolwa kwezokwelapha noma ukwelashwa okunconywe ngudokotela ngenxa yezindleko. (IKaiser Family Foundation / New York Times , 2016)
• Ama-32% abantu abadala abaneminyaka engu-18-64 bahlehlisile ukuthola ukunakekelwa kwezempilo abakudingayo ngenxa yezindleko. (IKaiser Family Foundation / New York Times , 2016)
• Ama-40% abantu abadala abaneminyaka engu-18-64 bathembele kumakhambi asekhaya noma emithini yokuthenga esikhundleni sokuya kudokotela, ngenxa yezindleko. (IKaiser Family Foundation / New York Times , 2016)
• Ama-34% abantu abadala abaneminyaka engu-18-64 bathi udokotela wabo akaze abachazele izindleko zezinqubo kubo. (IKaiser Family Foundation / New York Times, 2016)
• Phakathi kwabantu abadala abathi bazama ukuthenga bezungeza kubahlinzeki abahlukahlukene ukuthola intengo engcono kakhulu yezinsizakalo zezokwelapha, ama-69% abize isipiliyoni ngokuthi sinzima noma sinzima kakhulu. (IKaiser Family Foundation / New York Times , 2016)
• Phakathi kwalabo abanezinkinga zezikweletu zezokwelapha, ama-44% athi lezo zinkinga zibe nomthelela omkhulu emndenini wazo. (IKaiser Family Foundation / New York Times , 2016)
• Phakathi kwalabo abanezinkinga zezikweletu zezokwelapha, ama-29% athi izinkinga zesikweletu sezokwelapha ziqale ukudala izinkinga ngokukhokha ezinye, izikweletu ezingezona ezokwelapha. (IKaiser Family Foundation / New York Times , 2016)
• Ama-62% alabo abanezinkinga zezikweletu zezokwelapha bathi babenomshuwalense wezempilo lapho kuqala ukwelashwa. (IKaiser Family Foundation / New York Times , 2016)
• Phakathi kwalabo abanezinkinga zezikweletu zezokwelapha ababenomshuwalense, ama-26% athi isizathu sokuthi babe nenkinga yokukhokha isicelo sabo senqatshiwe. (IKaiser Family Foundation / New York Times , 2016)

Ekugcineni, izikweletu zezokwelapha zingashiya abanye abantu benezinketho ezinqunyelwe zokugwema ukuqothuka. Phakathi kwabantu baseMelika abanezinkinga zezikweletu:

• Ama-53% athi asebenze uhlelo lokukhokha nomhlinzeki wabo.
• Ama-37% athi aboleke imali kubangani noma emndenini.
• Ama-34% athi andise isikweletu sabo sekhadi lesikweletu.
• Ama-70% athi anciphisa imali yokuthenga ukudla, okokugqoka noma ezinye izinto zasendlini eziyisisekelo.
• Abangu-41% bathi bathathe umsebenzi owengeziwe noma basebenza amahora amaningi.
• Ama-59% athi asebenzise kakhulu imali yabo noma yonke abayilondolozile.
• Ama-35% athi ahlulekile ukukhokhela izidingo eziyisisekelo njengokudla, ukushisa, noma izindlu.

Umthombo: Kaiser Family Foundation / New York Times, 2016

Iziqalo eziningi embonini yezempilo, njengeSingleCare, zisebenza ukuthola izixazululo ezintsha zokwehlisa izindleko zezokwelapha. Abantu baseMelika abasizakala ngalezi zinketho ezintsha bangakwazi ukugcina isikweletu sezokwelapha singalawuleki.

Isikweletu sezokwelapha singadala nezinkinga eziqhubekayo zezezimali. Phakathi kwabantu baseMelika abanezikweletu zezokwelapha eqoqweni:

• Abangu-15% bathi bakweleta u- $ 10,000 noma ngaphezulu.
• U-33% uthi banayo nemalimboleko yabafundi.
• Abangu-17% bathi nabo bakweleta umbolekisi wosuku lokuhola.
• Ama-58% athi athintwe yi-ejensi yokuqoqa.

Umthombo: Kaiser Family Foundation / New York Times, 2016

Yini ebangela isikweletu sezokwelapha?

Akuzona zonke izindleko zezokwelapha eziphenduka izikweletu. Futhi izikweletu ngokwazo aziyona inkinga kuphela ngaso sonke isikhathi. Abantu abagulayo noma okufanele banakekele othandekayo wabo ogulayo bangabona umholo wabo wehla ngenxa yokuphumula emsebenzini. Empeleni, ngaphezu kokukodwa kokuqothuka kwezokwelapha okuyisikhombisa kungenxa yokugula kwengane .

Ngocwaningo, abacwaningi bathole abantu ababhekene nezikweletu zezokwelapha. Lezi zimpendulo zaseMelika ziveza izimo zezimali nezokwelapha okungenzeka ziholele ekucindezelekeni okukhulu kwezezimali.

• U-62.1% walabo abafake izicelo zokuqothuka babiza izikweletu zezokwelapha noma ukulahleka kwemali engenayo ngenxa yokugula noma ukunakekelwa njengesizathu sokuqothuka kwabo. ( Ijenali Yokwelapha yaseMelika , 2009)
• U-14.6% wokuqothuka kwezokwelapha ubangelwe ukugula kwengane. ( Ijenali Yokwelapha yaseMelika , 2009)
• Phakathi kwalabo abanezinkinga zezikweletu zezokwelapha, i-10% ithi babenezikweletu eziphansi njenge- $ 500 noma ngaphansi. (IKaiser Family Foundation / New York Times , 2016)

Olunye ucwaningo lwakamuva lukhombe izinsizakalo ezithile zezokwelapha eziholele ezikweletini zezokwelapha. Phakathi kwezinsizakalo ezibikiwe eziholele ezinkingeni ngezindleko zezokwelapha okutholakele yilezi:

• Udokotela Uhambela: 65%
• Izivivinyo Zokuxilonga: 65%
• Ukuvakashelwa Kwamagumbi Aphuthumayo: 61%
• Izinsizakalo Zezokwelapha: 49%
• Imali ekhokhwayo: 64%
• Izindleko Zemithi Yesidakamizwa: 52%
• Ukunakekelwa Kwabahlengikazi noma Ukunakekelwa Kwesikhathi Eside: 4%
• Ukunakekelwa kwamazinyo: 41%
• Ukunakekelwa Kwezingane: 25%
• Ukuhlala kwesibhedlela esisodwa esifushane: 66%

Umthombo: Kaiser Family Foundation / New York Times, 2016

Olunye ucwaningo libuze imibuzo efanayo ngezimbangela zesikweletu sezokwelapha.

• Abantu abangama-48% abathola ukuqothuka kwezokwelapha babiza izikweletu zesibhedlela njengezindleko zabo ezinkulu. ( Ijenali Yokwelapha yaseMelika , 2009)
• Abantu abangu-18.6% ababhekane nokuqothuka kwezokwelapha baqamba imishanguzo kadokotela njengezindleko zabo ezinkulu. ( Ijenali Yokwelapha yaseMelika , 2009)
• U-15.1% wabantu ababhekene nokuqothuka kwezokwelapha baqamba izikweletu zikadokotela njengezindleko zabo ezinkulu. ( Ijenali Yokwelapha yaseMelika , 2009)
• Abantu abangu-4.1% ababhekane nokuqothuka kwezokwelapha babiza amaprimiyamu njengezindleko zabo ezinkulu. ( Ijenali Yokwelapha yaseMelika , 2009)
• Izindleko zezokwelapha ezingaphandle kwesikhwama zilinganiselwe ku- $ 17,943 emindenini engasebenzi ngokwezempilo. ( Ijenali Yokwelapha yaseMelika , 2009)

Izibalo zezindleko zezokwelapha

Inkinga yesikweletu sezokwelapha ihlobene kakhulu nezindleko zokwelashwa. I-U.S. Isebenzisa imali engaphezu kwamazwe afanayo ekunakekelweni kwezempilo, kanti umthwalo walezi zindleko unciphisa umnotho waseMelika, odinga izinkokhelo ezinkulu ezivela emkhakheni kahulumeni, ezinkampanini ezizimele nakubantu ngabanye.

Ukubhekana nalezi zindleko kusho ukuthi ohulumeni banezimali ezimbalwa abazisebenzisayo ekuthuthukiseni imfundo nezingqalasizinda. Kusho ukuthi amabhizinisi anokuncane okukusebenzisa ocwaningweni nasekuthuthukisweni. Kusho ukuthi imindeni yaseMelika inemali encane engayisebenzisa ekuthengeni nasekudleni.

Futhi umthwalo uyakhula. I- I-U.S manje isebenzisa imali engaphezu kwama- $ 10,000 umuntu ngamunye ekunakekelweni kwezempilo ngonyaka , phezulu kusuka ngaphansi kuka- $ 5,000 umuntu ngamunye ngonyaka ngo-2009 .

• I-US isebenzisa ama- $ 3.5 trillion ekunakekelweni kwezempilo ngonyaka. (Idatha Yezindleko Zempilo Kazwelonke, 2017)
• I-U.S. Isebenzisa u- $ 10,739 umuntu ngamunye ekunakekelweni kwezempilo ngonyaka. (Idatha Yezindleko Zempilo Kazwelonke, 2017)
• Ukusetshenziswa kwezimali kwezokunakekelwa kwempilo kuma-17.9% we-U.S. Gross Domestic Product (GDP). (Idatha Yezindleko Zempilo Kazwelonke, 2017)
• AbaseMelika basebenzisa u- $ 1.18 trillion ngonyaka kumshuwalense wezempilo wangasese. (Idatha Yezindleko Zempilo Kazwelonke, 2017)
• AbaseMelika basebenzisa ama- $ 365.5 billion ngonyaka ezindlekweni zezokwelapha ezingaphandle kwamaphakethe. (Idatha Yezindleko Zempilo Kazwelonke, 2017)
• AbaseMelika basebenzisa u- $ 1.14 trillion ngonyaka ezindlekweni zesibhedlela. (Idatha Yezindleko Zempilo Kazwelonke, 2017)
• Ukuchitha imali kuma-akhawunti omshwalense wezempilo wangasese ngama-34% wemali yonke yokusetshenziswa kwezempilo yase-U.S. (Idatha Yezindleko Zempilo Kazwelonke, 2017)
• Ukuchitha ezindlekweni eziphuma ephaketheni ama-akhawunti we-10% wemali yonke yokusetshenziswa kwezempilo yase-U.S. (Idatha Yezindleko Zempilo Kazwelonke, 2017)
• AbaseMelika basebenzisa ama- $ 694.3 billion ngonyaka kwizinsizakalo zodokotela nezemitholampilo. (Idatha Yezindleko Zempilo Kazwelonke, 2017)
• AbaseMelika basebenzisa ama- $ 333.4 billion ngonyaka emuthini kadokotela. (Idatha Yezindleko Zempilo Kazwelonke, 2017)
• Imindeni i-akhawunti yama-28% esamba semali esetshenziswayo kwezempilo. (Idatha Yezindleko Zempilo Kazwelonke, 2017)
• Amabhizinisi azimele enza i-19.9% ​​yemali yokusetshenziswa kwezempilo. (Idatha Yezindleko Zempilo Kazwelonke, 2017)
• Ngokwesilinganiso, ukusebenzisa imali ekunakekelweni kwezempilo kwabantu baseMelika abaneminyaka engama-65 nangaphezulu kungama- $ 19,098 ngonyaka. (Idatha Yezindleko Zempilo Kazwelonke, 2014)
• Ngokwesilinganiso, ukuchitha imali ekunakekelweni kwezempilo komuntu waseMelika osebenzayo (18-64) kungama- $ 7,153 ngonyaka. (Idatha Yezindleko Zempilo Kazwelonke, 2014)
• Ngokwesilinganiso, ukusetshenziswa kwemali ekunakekelweni kwezempilo kwengane yaseMelika (0-18) kungama- $ 3,749 ngonyaka. (Idatha Yezindleko Zempilo Kazwelonke, 2014)
• Ngokwesilinganiso, ukusetshenziswa kwe-US ekunakekelweni kwezempilo kwabesifazane kungama- $ 8,811 ngonyaka. (Idatha Yezindleko Zempilo Kazwelonke, 2014)
• Ngokwesilinganiso, ukusetshenziswa kwe-US ekunakekelweni kwezempilo kwabesilisa kungama- $ 7,272 ngonyaka. (Idatha Yezindleko Zempilo Kazwelonke, 2014)
• I-Medicare ichitha ama-akhawunti ayi-17.1% wesabelomali senhlangano yase-U.S. (California Health Care Foundation, 2019)
• Izindleko zeMedicaid zenza u-9.5% wesabelomali senhlangano yase-U.S. (California Health Care Foundation, 2019)

Izindleko zomshuwalense wezempilo

Iningi labantu lithembele kumshuwalense wezempilo ukuxhasa izindleko zabo zokwelashwa, kepha izindleko zokutholakala zilokhu zikhuphuka.

• Isilinganiso esidonswayo singama- $ 4,544. Lokhu kusho ukuthi iziguli ezinomshwalense kulindeleke ukuthi zikhokhe cishe ama- $ 5,000 ephaketheni ngaphambi kokuba umshwalense uzokhokhela noma yiziphi izindleko zezokwelapha noma imishanguzo kadokotela. (IKaiser Family Foundation, 2019)
• I-premium emaphakathi inyuke ngo-4% wabantu ngabanye nama-5% emindenini ngo-2019. Ngokwesimo, amaholo abasebenzi anyuke kuphela ngo-3.4% futhi ukwehla kwamandla emali kukhuphuke ngo-2%. (IKaiser Family Foundation, 2019)

Zisetshenziswa kanjani izindleko zokwelashwa?

Ucwaningo lwakamuva lukhombe ukuthi yimaphi amasevisi ezokwelapha alandisa ukusetshenziswa kwemali kwezokwelapha kwe-U.S. E-U.S., Nansi imali esetshenziswa minyaka yonke yokwelapha lezi zimo ezilandelayo:

• Ukunakekelwa Okuvamile, Izimpawu, Nezimpawu: $ 289.9 billion
• Izifo Zesimiso Sokujikeleza Komzimba: $ 259.2 billion
• Izifo Zesistimu Yemisipha: $ 219.8 billion
• Izifo Zesistimu Yokuphefumula: $ 176.5 billion
• Izifo Zesistimu ye-Endocrine: $ 168.7 billion
• Izifo Zohlelo Lokuthuthumela: $ 159.5 billion
• Ukugula Ngengqondo: $ 109.6 billion
• Ukwelashwa Okuhlobene Nokukhulelwa: $ 50.5 billion

Umthombo: California Health Care Foundation, 2019

• Izindleko ezingama-33% zezempilo zase-U.S ziya ekunakekeleni izibhedlela (California Health Care Foundation, 2019)
• U-20% wemali osebenzisa ngayo ezempilo wase-U.S usiza odokotela nezinsizakalo zokwelashwa. (California Health Care Foundation, 2019)
• I-10% yemali yezempilo yase-U.S iya emithini kadokotela. (California Health Care Foundation, 2019)

Ngubani okhokha izindleko zokwelashwa zase-U.S.?

Umthwalo wezindleko eziphezulu zemithi yase-U.S. Uthwalwa cishe ngokulinganayo ngohulumeni, abantu ngabanye, namabhizinisi. Ngokuya nge-California Health Care Foundation (2019):

• Uhulumeni wobumbano ukhokha ama-28% wezindleko eziphelele zezempilo zase-U.S. (California Health Care Foundation, 2019)
• Abantu nemindeni bakhokha ama-28% wezindleko eziphelele zezempilo zase-U.S. (California Health Care Foundation, 2019)
• Amabhizinisi azimele akhokha ama-20% wezindleko eziphelele zezempilo zase-U.S. (California Health Care Foundation, 2019)
• Ohulumeni bakahulumeni nabasekhaya bakhokha u-17% wezindleko ezisetshenzisiwe zezempilo zase-U.S. (California Health Care Foundation, 2019)
• Ezinye izinhlangano ezizimele, ezingenzi-nzuzo, zikhokha u-7% wezindleko eziphelele zezempilo zase-U.S. (California Health Care Foundation, 2019)
• Ngokwesilinganiso, ama-37% wemali yezindleko zomndeni esezingeni eliphakeme iya ezindlekweni eziphuma ephaketheni. (California Health Care Foundation, 2019)
• Ngokwesilinganiso, ama-28% wemali yezindleko eziphelele zomndeni iya kusabelo sayo somshuwalense wezempilo oxhaswe umqashi. (California Health Care Foundation, 2019)
• Ngokwesilinganiso, i-17% yemali yezindleko zomndeni eziphelele iya ekusekeleni iMedicare ngentela yabasebenzi. (California Health Care Foundation, 2019)
• Isamba semali esetshenzisiwe emshuwalense wezempilo wangasese e-US yi- $ 1.2 trillion. (California Health Care Foundation, 2019)
• Ama-45% esamba semali esetshenzisiwe emshuwalense wezempilo wangasese ambozwe ngamabhizinisi azimele. (California Health Care Foundation, 2019)
• Ama-23% esamba semali esetshenzisiwe emshuwalense wezempilo wangasese sihlanganiswa nguhulumeni (ikakhulukazi, njengeminikelo ezinhlelweni zezempilo ezixhaswe umqashi). (California Health Care Foundation, 2019)
• Isamba semali esetshenziswa e-US yokuphuma ephaketheni nge-Capita ngayinye ikhuphukile isuka ku- $ 91 ngo-1967 yaya ku- $ 1,124 ngo-2017. (California Health Care Foundation, 2019)

Ucwaningo lwamuva lubonise ukuthi ukusetshenziswa kwemali kusakazeka kanjani kubantu baseMelika beminyaka ehlukene:

• Abantu baseMelika abaneminyaka engama-85 nangaphezulu: I-Akhawunti ye-2% yabantu, kanye ne-8% yemali yokusetshenziswa kwezempilo. Isilinganiso semali esetshenziswa minyaka yonke kumuntu okuleli qembu lobudala ngu- $ 32,411.
• Abantu baseMelika abaneminyaka engama-65-84: I-Akhawunti ye-12% yabantu, kanye ne-26% yemali yokusetshenziswa kwezempilo. Isilinganiso semali esetshenziswa minyaka yonke kumuntu okuleli qembu lobudala ngu- $ 16,872.
• Abantu baseMelika abaneminyaka engama-45-64: I-Akhawunti ye-26% yabantu, kanye ne-33% yemali yokusetshenziswa kwezempilo. Isilinganiso semali esetshenziswa minyaka yonke kumuntu okuleli qembu lobudala ngu- $ 9,513.
• Abantu baseMelika abaneminyaka engu-19-44: I-Akhawunti ye-35% yabantu, kanye ne-21% yemali yokusetshenziswa kwezempilo. Isilinganiso semali esetshenziswa minyaka yonke kumuntu okuleli qembu lobudala ngu- $ 4,458.
• Abantu baseMelika abaneminyaka engu-18 nangaphansi: I-Akhawunti ye-25% yabantu, kanye ne-12% yemali yokusetshenziswa kwezempilo. Isilinganiso semali esetshenziswa minyaka yonke kumuntu okuleli qembu lobudala ngu- $ 3,352.

Umthombo: California Health Care Foundation, 2019

Izindleko zokunakekelwa kwezempilo zase-U.S. Ziqhathaniswa kanjani namanye amazwe

Abantu baseMelika kungenzeka ukuthi babhekene namazinga aphezulu esikweletu sezokwelapha ngoba, ngokwengxenye, kwezindleko eziphakeme zokunakekelwa e-U.S .. Abantu emazweni anezindleko eziphansi zokunakekelwa kwezempilo abanakho ukubanjwa isikweletu sezokwelapha nokuqothuka.

Kodwa lokhu akukhona ngoba konke akubizi kakhulu emazweni anezindleko eziphansi zokwelashwa. Abaphenyi bathole amazwe anezinga elifanayo lomcebo e-United States futhi athola ukuthi izindleko zokunakekelwa kwezempilo zase-U.S. Ziphakeme kakhulu kunanoma ikuphi ukungafani kwengcebo.

Ngokwesibonelo, Imali ephelele yezempilo yomuntu ngamunye ingu-84.8% ngaphezulu e-U.S. kunaseCanada . Izibalo ezilandelayo zibonisa ukuthi abantu baseMelika bazikhokhela kangakanani izinqubo zokwelashwa ezivamile kunabantu bakwamanye amazwe.

• Izindleko ezijwayelekile zokuhlala esibhedlela ngosuku e-US zingama- $ 5,220. Izindleko ezijwayelekile zokuhlala esibhedlela ngosuku e-Australia ngama- $ 765. (IKaiser Family Foundation, 2018)
• Izindleko ezijwayelekile zokuhlinzwa ngokudlula kwenhliziyo e-US zingama- $ 78,318. Izindleko ezijwayelekile zokuhlinzwa ngokudlula kwenhliziyo e-UK yi- $ 24,059. (IKaiser Family Foundation, 2018)
• Odokotela base-U.S. Benza izingxenye ezingama-322 zokuhlinzwa ngokuzalwa okubukhoma okungu-1 000. Isilinganiso phakathi kwamazwe acebile ngokufanayo singama-264 C-section kwabangu-1 000 abazalwayo abaphilayo. (IKaiser Family Foundation, 2018)
• Intengo emaphakathi yokulethwa okujwayelekile kokuzalwa e-U.S. Kungama- $ 10,808. Intengo emaphakathi yokubeletha okujwayelekile e-Australia ingama- $ 5,312. (IKaiser Family Foundation, 2018)
• Intengo emaphakathi yesigaba sokuhlinzwa e-U.S. Ingama- $ 16,106. Intengo emaphakathi yesigaba se-C e-Australia ingama- $ 7,901. (IKaiser Family Foundation, 2018)
• Intengo emaphakathi ye-MRI e-U.S. Ingama- $ 1,119. Intengo emaphakathi ye-MRI e-Australia ingama- $ 215. (IKaiser Family Foundation, 2018)
• Intengo emaphakathi ye-appendectomy e-U.S. Ingama- $ 15,930. Intengo emaphakathi ye-appendectomy e-United Kingdom ingama- $ 8,009. (IKaiser Family Foundation, 2018)
• Intengo emaphakathi yokushintshwa kwe-hip e-US ingama- $ 29,067. Intengo emaphakathi yokushintshwa kwesinqe e-United Kingdom ingama- $ 16,335. (IKaiser Family Foundation, 2018)
• Intengo emaphakathi yeHumira, umuthi osetshenziselwa ukwelashwa kwe-arthritis, icishe ibe ngama-96% ngaphezulu e-United States kune-United Kingdom. (IKaiser Family Foundation, 2018)
• Izindleko ezijwayelekile zokuhlolwa kwe-CT e-U.S. ($ 896) ziphindwe kasishiyagalombili kunaseCanada ($ 97). (IKaiser Family Foundation, 2018)

Ucwaningo lwezeMpilo luka-2011 luqhathanise ukusetshenziswa kwemali kwezempilo phakathi kwamazwe, futhi lwathola ukuthi ukusetshenziswa kwezempilo kwe-U.S komuntu ngamunye kuphakeme kakhulu kunalokho kwamazwe afanayo.

Ukusetshenziswa kwemali kwezempilo kwe-U.S. Ngomuntu ngamunye ngu:

• 141% ephakeme kune-United Kingdom.
• I-125% ephakeme kune-Australia.
• 104% kunaseFrance.
• I-102% ephakeme kunaseJalimane.

Umthombo: Wezempilo, 2011

Okunye okutholakele ocwaningweni kufaka:

• U-30.8% wemali esetshenziswayo yezempilo yomuntu ngamunye wase-U.S isezinakekelweni ze-ambulensi. Imali engenayo emaphakathi yonyaka kudokotela wokunakekelwa okuyisisekelo wase-US yi- $ 186,582. (Wezempilo, 2011)
• Ngokwesilinganiso, udokotela wokunakekela oyinhloko wase-U.S. Uhola u- $ 61,478 ngaphezulu ngonyaka kunodokotela wokunakekela oyinhloko eCanada. (Wezempilo, 2011)
• Imali engenayo emaphakathi yonyaka ohlinzayo wase-U.S. Udokotela wamathambo ingu- $ 442,450. (Izindaba zezeMpilo, 2011)
• Ngokwesilinganiso, udokotela ohlinzayo wase-U.S. Uhola u- $ 233,816 ngaphezulu ngonyaka kunodokotela ohlinza amathambo eCanada. (Wezempilo, 2011)

Izindleko zokwelashwa zizoqhubeka nokukhula

Izindleko eziphakeme zezokwelapha zidalwa yizinkinga zesistimu embonini yezokunakekelwa kwempilo. Kuze kubhekwane nalezi zinkinga, izindleko zokwelashwa zizoqhubeka nokwanda.

• Ukusetshenziswa kwemali kwezempilo kulindeleke ukuthi kufinyelele ku- $ 6 trillion ngo-2027. (California Health Care Foundation, 2019)
• Ukusetshenziswa kwemali kwezempilo kulindeleke ukuthi kukhule ngesilinganiso esijwayelekile esingu-5.5% ngonyaka. (California Health Care Foundation, 2019)
• Ukusetshenziswa kwemali kwezempilo kulindeleke ukuthi kufinyelele ku-19.4% we-GDP ngo-2027. (California Health Care Foundation, 2019)
• Ukusetshenziswa kwezempilo kwabantu abakwaMedicare kwakungu- $ 12,347 ngo-2017 futhi kulindeleke ukuthi kufinyelele ku- $ 19,546 ngo-2027. (California Health Care Foundation, 2019)
• Ukusetshenziswa kwezempilo kwabantu abakuMedicaid kwakungu- $ 8,013 ngo-2017 futhi kulindeleke ukuthi kufinyelele ku- $ 12,029 ngo-2027. (California Health Care Foundation, 2019)
• Ukusetshenziswa kwezempilo kwabantu ezinhlelweni ezixhaswe ngabasebenzi kwaba ngu- $ 5,942 ngo-2017, futhi kulindeleke ukuthi kufinyelele ku- $ 9,137 ngo-2027. (California Health Care Foundation, 2019)
• Ukusetshenziswa kwemali kwezempilo kubantu ezinhlelweni zokwelashwa kulindeleke ukuthi kukhuphuke cishe ngama-50% eminyakeni eyishumi ezayo. (California Health Care Foundation, 2019)

Sikhuthaza izintatheli, abacwaningi, abafundi, nabanye ukuthi babelane ngalezi zibalo. Isikweletu sezokwelapha, nezindleko eziphakeme ezisibangelayo, kungabhubhisa izimali. Ngokusho kochwepheshe, izindleko zizoqhubeka nokukhuphuka, okubeka abantu abaningi baseMelika engozini yesikweletu. Sonke sinendima okufanele siyidlale ekuboniseni ubucayi balolu daba.

Imithombo:

• Ukuqothuka Kwezokwelapha e-United States, 2007: Imiphumela Yesifundo Sikazwelonke , I-American Journal of Medicine.
• IKaiser Family Foundation / Ucwaningo lweNew York Times Medical Bills , IKaiser Family Foundation
• Ukwabiwa Kwezindleko Kwezinhlelo Ezinikezwe ku-Federal Marketplace, 2014-2020 , IKaiser Family Foundation
• Ucwaningo Lwezinzuzo Zempilo Yomqashi lwango-2019 , IKaiser Family Foundation
• Izimali Eziphakeme Zikhokhelwa Odokotela Base-US Shayela Imali Ephakeme Yezinsizakalo Zodokotela Ngokuqhathaniswa Namanye Amazwe , Ezempilo
• Amanani wezokunakekelwa kwempilo nokusetshenziswa e-U.S. Kuqhathaniswa kanjani namanye amazwe? , I-Peterson-Kaiser Health System Tracker
• Izindleko zikuthinta kanjani ukufinyelela ekunakekelweni? , I-Peterson-Kaiser Health System Tracker
• ICalifornia Health Care Almanac , Isikhungo Sezempilo saseCalifornia
• Ishidi Leqiniso Lezindleko Zempilo Kazwelonke , Idatha Yezindleko Zempilo Kazwelonke
• Idatha Yomlando Yezindleko Zempilo Kazwelonke , Idatha Yezindleko Zempilo Kazwelonke
• Imibiko yesikweletu sabathengi: Ucwaningo lwamaqoqo ezokwelapha nawona angewona ezokwelapha , I-Consumer Financial Protection Bureau