Fw: Obamacare Kong Fianternak
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Cung Lian Hup
Jan 26, 2014, 10:42:09 PM1/26/14
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Obamacare kong global Chin news nih an fian ter mi kan forward chin ve hna...
Zeiruang ah Obamacare ka uar?
- Monday, 27 January 2014 02:12
- Salai Biak Hnin Sang
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Hmundang
kal a hau lo. Mit tha fak in khuadang hoi len le ca phunphun rel len
zong a hau lo. Obamacare chiatnak kong theih na duh ah cun atulio US congress hruaitu republican party official maivan ah
voikhat tein leng law, naa chinchiah cawk leng in na hmuh ko lai. Naa
lungsi deuh rih lo sual ahcun Obamacare hloh duh ruang bak ah Tea Party
timi, mi lungkhong mibu
chungtel pawl a hruai i US cozah pi bak ni 17 chung zung a kharter i US
chawlehthalnak dollar billion 24 renglo a sunghter ngamtu, Texas
senator Tez Cruz biachimmi
pahnih thum in Youtube ah ngai law naa za hrimhrim lai. Kap ngei loin
thawng kan thanh a titu CNN le FoxNews tel in media compay ngan deuh
pawl zong nih tih a nunnak chim an dai lo. A chim an thiam hringhran i a
hman taktakmi an lo ngai ko. Anmah bantuk mi vantha le mirum, mi
tlawmpal taktak te caah cun a hman zong cu a hman tak ve ko men lai.
A
si ah, mi zapi caah teh? Ruah awk a tam lengluang. Senator Tez Cruz le
cheukhat Replicans an chim bantuk cun maw Obamacare cu zapi caah a
thatlo taktak ko i hrawh khawhnak ding a si poah ahcun zeipoah tuah
hramhram aa tlak ko, US chawlehthalnak faakpi in sunghter le democracy
zulhphung hrawh tiangtiang in? Cu tluk lawmmam cun a chia rua lo, a
that hmanh a tha ngai rua. Obama hmurka in a chuakmi soiselnak bia in si
loin Kanan (numbers) nih Tez Cruz le Republicans an palh tiah a
langhter thluahmah cang. December 2013 dih tiang ah minung 2.1 million renglo nih
Obamacare an cawk. Cu 2.1 renglo minung lakah cun pakhat ka si ve caah
kaa lunghmuih ngai. 2014 chungah a cawmi an tam chin lengmang caah
"Market Place" ah health insurance a zuartu companies pawl an i manh lo
tuk i "member card" hmanh rianrang in mi an kua kho lo.
Political
Scientist ka si lo i Political Science a cawng liomi zong ka si lo.
Lawyer zong ka si lo i Law zong ka cawng fawn lo. USA ah khua a sa i
rian faakpi in a tuan ve ko nain health insurance hmanh amah
tein a rak i cawk kho bal lomi mi sawhsawh te ka si. Nain, ka lileng lo.
Obama hruaimi cozah cazin ning ahcun keimah bantuk minung USA ah
million 30 renglo an um ve. Cucaah, Obama a huatu Politicians le mirum
rum hna he cun ka hmuhning le ka ruahning aa khat ruam lo. Anmah
hmuhning chim kaa tim lo. Chim hmanh va tim ning law aa rempaw hnga lo.
An dirhmun le ka dirhmun van le vawlei in aa hlat. Nifatin an ruahmi le
ka ruahmi aa lawh lo bantukin an eimi le ka eimi zong aa lo lo. An
sining ka theihfian khawh hna lo bantukin ka sining zong an thei fiang
bal ve fawn lai lo. Sifak ta loin a rummi nih misifak dirhmun an thei
kho lo. Sifah zaza tuar hnuah a rummi hmanh nih sifak zawnruahnak an
ngei tawn lo cumu. Anmah mirum tuk pawl he ka dirhmun aa dan tuk ruangah
si men lai, an huatmi Obamacare ka uar tuk hi. Asiloah, sifahnak
phunkip tuar hnuah bawi thutdan a phanmi Obama nih keimah le US minung
30 million renglo kan dirhmun a kan theihthiamnak, a takin a langhtertu a
si caah ka uar bia zong a si kho. Zeisihmanh ah ka fian tukmi pakhat a
um: Obamacare cu ka caah cun a tha tuk rumro ko.
Keimah
pumpak ca lawng hlah, USA rampi ca zongah caansau caah cun a tha tukmi
Policy a si ko tiah ka ruah ko. Ka khuaruah khawh lo tuk bia hna a si
sual hnga dek maw? Zeihmanh si ai kun, democracy phung bang, ka ruahnak
cu zalong tein ka chim ve ko lai. Molhmolh mehmeh tu cun ka um hraw lai
lo. A pom nih rak hmang ve ulaw, a hua nih nan duh tawk in van ka al ve
ko uh. Keimah pumpak caah a that hleiah rampi ca zong ah a thami a si
tiah cun teh ka ruah ve fom cu!
Obamacare! Obamacare!
Obamacare
an ti lengmangmi cu zeidah a si? Obamacare timi upadi ngaingai hi a um
lo. President Obama hruainak in 2010 lioah US ngandamnak system
remhnak ding caah tiin congress nih an rak ser i biaceihbawi zik zung
nih phunghrampi he aa tlak ko an ti hnuah president minthut in fehtermi Affordable Care Act(ACA) upadi
kha Obama huatu republican pawl nih neeknak in an auhnak min a si.
Obama nih misifak le santlailo a dawt tuk hna caah cozah pi hmang in a
zohkhenhnak(care) hna le a kilvennak hna upadi a si an ti caah hitin an
min an phuahnak a si. "Aw, miharsa cu ka care tak ko hna, vawleicung ram rum bik ah phungning tein khua a sa i faakpi in rian a tuan nain ngandamnak insurance aa
cawk khawh lo caah a zawtnak aa tlawp kho lomi minung tam tuk an ummi
hi a dik hrimhrim lo tiah ka ruah, cun kan rampi zong hi ka care tuk, kum fatin kan cozah leiba tumpi a ngeihtertu taktak cu kan ngamdamnak system a si caah kan remh hrimhrim a hau i ACA nih tampi a remh lai tiah ka zumh. Cucaah nan duh rilmal ahcun Obamacare ti ko u, ka care taktak reng ko," tiah Obama nih a dotu pawl cu a ti salam hna i Obamacare tiah mizeipoah nih auh cio a hung si.
ACA aa thok hlanah hin vawleicung ram rum bik USA ah health insurance a ngei lomi minung million 30 renglo kan rak um. Health
Insurance a ngei kho lomi minung hi phun thum in then khawh kan si;
sifah deuhnak ruangah aa cawk kho lomi, riantuannak caan tawi tuk rih
ruangah aa cawk kho lomi le damhharmi zawtnak ngeih ruangah cawk senh
lomi tiin—sifak tukmi cu cozah nih medicaid pek a si ko caah health insurance
an ngei ko. Hi tlukin minung tampi nih zawt tikah thlopbulnak he
pehtlai in harnak an tong nain kum fatin US cozah leiba tam bik a
ngeihtertu cu Healthcare cost (Medicare le Medicaid) thiamthiam a si.
Cucaah, US Healthcare System cu remh hrimhrim a hau tiah an ruah dih.
Cucu, Obama nih remh aa zuam i Affordable Care Act(ACA) a sernak a si.
Affordable Care Act chungah cun zeibantuk thil hna dah an itel?
Affordable Care Act cu
cahmai 13,000 khat a si caah a chungah aa tialmi cafang a tam hringhran
i Bible cawn bantukin cawn ah cun kum tampi cawng hmanh a si hnga.
Sihmanhsehlaw, zapi nih kan theih herhmi zawn tete cu US ngandamnak le zatlang thanchonak department nih tawi tein an langhter. Cu chungah theih herh deuhmi tete lawng ka van char lai.
Sifak deuh pumpak le innchungkhar caah insurance man pek bawmhnak a tuah(premium a pek pi). USA
cozah nih "mi sifak" tiah tahnak ri a ngeihmi i 130% tang (130% under
poverty line) lawng, phaisa lut(income) a ngeimi cu cozah nih medicaid
pek a si— Laimi tampi nih kan sifah tuk caah kan tinco ngaimi a si.
Hngakchia le naupawi nu hna cu ahleice in biapi ah an chiah caah fawi
tein an pek khun hna. Sihmanhsehlaw, mah kha pawl nakin phaisa lut tam
deuh vak a van ngeimi minung pawl nih khan health insurance an i
cawk kho thiamthiam lo. Zapi caah cun a man a fak tuk rumro ko.
Langhtermi minung pawl nih health insurance an ngeih khawh ve nak dingah
ACA nih lam a van sial. Cucu, income tlawmtam ning tuaktonh in thla
fatin pek dingmi insurance man(insurance premium) kha cozah nih pekpi a
si. Kum khat ah income $45,000 tang a ngeimi pumpak(minung pali
innchungkhar caah cun $90,000) kha an income tlawmtam ning hoih in
insurance man pek bawmh an si.
Mino nih kum 26 an si tiang, nu le pa insurance i hrawm khawh(Coverage for Young Adult) a si. Cu
hlanah cun kum 18 cung a simi minung poah cu nu le pa nih an health
insurance ah rak benh khawh a si lo. Mino riantuanka tampi nih a fak
tukmi health insurance kha anmah tein zeiti manh in an i cawk kho ve lo.
Cu tikah Health Insurance a ngei lomi mino tampi rak um a si. Mah cucu
Obamacare nih a van remh. Fale kha kum 26 an tlin tiang(nupi an ngeih
zong ah, anmah tein khua an sak cang zong ah) nu le pa healt insurance
ah i benhnak nawl a pek hna.
Damh harmi zawtnak a ngeimi nih hawidang nak in insurance man tam deuh pek a hau ti lo. Phaisa
zong a zatawk in a ngei ko nain health insurance aa cawk kho lomi
minung tampi an rak um. Zunthlum, cancer, AIDS tibantuk damh a harmi
zawtnak a ngeimi minung tampi cu insurance company nih insurance an rak
zuarh duh hna lo. Zarh chiar te, sii-bawi sinah an kal lai i an
ithlawpnak man a tam tuk lai timi cu a fiang tukmi a si cumu. Cucaah,
insurance company pawl nih insurance an zuarh duh hna lo. An zurh hna
hmanhah faak taktak in a man(premium) an hauh hna. "Man tampi in an
cawkmi insurance policies zong cu chankhat chungah hi zat tiang lawng na
hman khawh" timi ri khiah piak an si rih. Cu vialte cu Obamacare nih a
hloh dih. "Minung pakhat kha damh harmi zawtnak a ngeih ruangah midang
nakin insurance premium tam deuh in na la kho lo i naa tlawpnak ah na
dihmi a tam tuk cang caah kan khiahmi ri na lawnh cang tiah ahohmanh nan
ti kho hna lo" tiah insurance company pawl kha a ti hna. Cu lawng hlah,
"insurance nan pekmi minung poahpoah nih caan hman tein an zawt hlanin
sii-bawi sinah ngandamnak an i chekmi le nu hna nih hrinphihnak an
tuahmi tibantuk cu a man pia khat zong nan la hna lai lo" tiah insurance
company pawl kha a ti fawn rih hna.
Sii-bawi zong nih voidang bantukin mizaw an zoh voi tlawmtam zat tuak in a man laak a ngah ti lo. US
ah aman fak bikmi cu Sii-bawi le Sihni an si. An fah ding zong cu a si
ve, an cawnnak ah an caan le phaisa tamtuk an dih ve cumu.
Sihmanhsehlaw, sii-bawi cheukhat nih tha tein mizaw zoh huaha loin voi
tampi appointment pek i an sin kal fate phaisa tampi laak an hmangmi ve.
Mah bantuk tuahsernak cu ACA nih kham a timh. "Mizaw kha voi
zeizat dah na zoh timi si loin zeitluk tha in dah na tlawp timi zoh in
insurance company nih a man liamh na si cang lai," tiah sii-bawi pawl
kha a ti hna.
Cuti
si ah, Obamacare cu a tha tuk lawmmam ko ne lo maw? Santlailo zapi kan
caah cun a tha rilmal. Sihmanhsehlaw, a cunglei langhtermi thil hna hi
tlamtlin ternak caah cun cozah nih phaisa tampi an dih a hau i mirum nih
tampi an hmuh tawnmi phaisa an sungh a hau. Ngandammi nih damhhar
zawtnak a ngeimi tluk tein insurance man liam a hau ve fawn. A dangdang
langhter lomi a chiatnak tampi a um rih. Cucaah, dohtu tam tuk a
ngeihnak a si ko.
* * *
Ziah, 2010 ah ser cangmi upadi nganpi cu tukum 2013 thok lawngah Laimi zapi nih kan theih? Affordable
Care Act cu US Healthcare Industry pi bak a tlengtu upadi ngan tuk a si
caah then tam tuk ah an then. Cucaah, caan tawi te chung h
hman/tuanthok(implement) awk a tha dih thlu lo i kum khat ah tlawm tete
in van hman diahmah a si. 2013 kum dih lai in mi vialte nih kan van
theihnak cu ACA chung ah tthen khat a simi, individual mandate(
riantuanmi minung poah nih health insurance ngeih hrimhrim ding) timi
zawn kha January, 1, 2014 in hman hramthok ding a si caah a si. An remh
hlei lo a si ahcun hmai kum in "Employer Mandate"(minung 40 renglo
full-time in riantuantu a ngeimi employer poah nih employee health
insurance pek hrimhrim ding) timi zawnte hman thok a si than te lai.
Individual Mandate Fianternak
Mi
pakhat khat nih damlonak faakmi ruangah ngandamnak insurance ngei lo
buin sizung a kal tikah aa thlawpnak hman a fak tuk. Zan khat siizung
riah man ah $3,000-$10,000 hrawng a tlangpi in a dih. Cu tluk in a fakmi
thlopbul man cu zapi nih mahte in i liam khawh a si lo. Cu tikah a
donghnak ah cun cozah theo nih liam piak a si tawn. Cozah cu mipi nih
pekmi ngunkhuai in rian a tuanmi a si caah mipi (public) nih liammi a si
kan ti khawh. Cu ti in a kal lengmangmi thil cu ACA nih remh a duh caah
pumpak cio nih "health insurance ngeih lo, ngah-lo” in a tuahnak a si. A
ngei kho dirhmun ah a dir ko nain a caw duh lomi cu phaisa in dantat
hleiah an zawt sual tikah siizung an kalnak leiba vialte, cozah nih
bawmh ti lo ding a si. (A caw duh lomi dantat ding timi zawn te hi
Republicans pawl nih an i tlaih riangmang i USA phunghrampi he aa kalhmi
upadi a si tiah soiselnak ah an hman biknak a si.)
Dantat ning dan cu:
1. Rian a tuan i a caw kho a si ko nain March 31, 2014 hlanah ngandamnak insurance aa cawk lomi poah cu phasa in dantat ding.
2.
Minung pakhat nih kum khat a hmuhmi dihlak chung in 1% a si loah $ 95
(innchungkhar si ahcun kum 18 tang minung pakhat caah $45) ah a tam
deuhmi poah 2014 caah a liam lai.
3. 2015 caah cun hmuhmi dihlak chung in 2% a si lai i 2016 caah cun 2.5% percent a si lai.
2014
caah dantatnak phaisa cawi ding hi a tam tukmi cu a si lo nain zawtfah
ton sual ah bawmhnak pek lo ding a si caah cawk loin um ngam awk a tha
lo.
ACA
nih cun mi vialte nih zeisihmanh ah Health Insurance cawk hrimhrim ding
lawng in maw mi a nam ne? A si lem lo. Zapi nih cawk khawhnak dingin
lam tampi a on ve. Pumpak cio nih kan herhning le kan ti khawh ning cio
he aa tlak bikmi Plan kan cawk khawh cio nakding caah Plan phun nga in an then.
Plan phun nga hna cu; Bronze(Ceer), Silver(Dar), Gold(Sui), Platinum(Lungvaar) le Catastrophic(puicimh) hna an si. Plan
pakhat cio nih an cover mi zat aa dang cio. Tlawm deuh lawng a cover mi
plan poahpoah, thlatin pekmi a man(premium) a niam deuh hleiah siizung
kal tepawl ah mah nih zal chungin liam chih haumi a tam deuh ve. Plan
pakhat cio nih an cover(aamahkhanmi) vialte tlamtling tein van fianh
dingah cun a tam tuk. Cucaah, tawi taktak tein a tlangpi lawng in ka van
langter hna lai.
Bronze Plan: A tlangpi in chim ah cun naa thlopbulnak ah na dihmi dihlak i 60% hrawnghrang a cover mi plan a si.
Silver Plan: Na dihmi dihlak i 70% hrawng a cover mi plan a si.
Gold Plan: Na dihmi dihlak i 80% hrawng a cover mi plan a si.
Platinum Plan: Na dihmi dihlak i 90% hrawnghrang a cover mi plan a si.
Catastrophic Plan:
Zatlak puicimh fakpi ton sual ah khamhnak ding ca'h tiin sermi plan a
si. Emergency thil ca deuh ah sermi a si caah a cover mi a tlawm i a man
a niam ve. Mah hi plan cu kum 30 tang a simi minung lawng nih cawk khawh a si.
Theih herh tukmi thil pahnih:
Zeibantuk
Plan naa cawk hmanh ah ka-kuai-si chunh le caanhman in zawtdam
zohfelnak tibantuk cu nangmah liam hau loin an cover dih ngawt ko.
"Zeibantuk
Plan hmanh nih 100% a cover lo tikah health Insurance kaa ngeih zongah
siizung hna ka phanh ah cun kaa thlopman a ting hna a si lai i keimah
pekdingmi vo (leiba) a tam tuk thiamthiam ko lai" tiah ruah palh sual i
cawk duh lo a fawi te. Asinain, zeibantuk Plan poahpoah nih "Maximum
Out-Of-Pocket expense(a tam bik pumpak nih liam dingmi) timi ri an ngei
dih. Tahchunhnak ah, "Silver Plan" aa tlaihmi na si i zisung ah zarh
khat na um. Naa tlop man a dihmi dihlak ah $100,000 a si i na insurance
nih $70,000(70%) an liam. Nangmah liam dingmi ah $ 30,000 a tang.
Sihmanhsehlaw, "Silver Plan" policies i Maximum Out-Of-Pocket expense cu
$10,000 a si. Cu tikah, na liam dingmi cu $30000 si loin $10000 tu kha a
si lai.
******************************
Cawk lo ah le dantat ding a si fawn, khoika ah dah health insurance cu kan cawk ne lai? Health
Insurance cawk a duhmi poah nih fawi tein an cawk khawhnak ding caah
Obama cozah nih lam phun li in an on—lungawtawm in na um ah cun na cawk
hlan ah na income zat le na cawk duhmi plan zohchih in thla fatin na pek
dingmi zat zong mah hi tuakdomhnak hmang in tuakchung khawh a si.
1. Maivan (internet website) in "Market Place" an ser i www.healthcare.gov tiah
an auh. Website cungah cun a sawknak form an chiah i a duhmi poah nih
internet in sawk khawh a si. Step-by-step in form phit dan an tuah
hleiah bawmtu a herhmi caah "chatting" in mi bawmtu an um caah mirangca a
rel chunchanmi poah nih cun fawi tein sawk khawh a si. (State cheukhat
nih cun anmah State ca te lawngah website an tuah ve hna. Cu bantuk
State ah khua na sak ahcun www.healthcare.gov ah na zip code na tial in na umnak state website ah an kal pi lai.)
2. Internet tonghtham a thiam lomi caah phone in sawk khawh a si. Phone number 1-800-318-2596 ah ni khat ah suimilam 24, zarh khat ah ni sarih chung phone in sawk khawh peng a si.
3.
Nangmah he aa neihnak cozah ngandamnak le zatlang bawmhnak sawknak zung
(Medicaid le SNAP tibantuk social assistances sawknak zung) zongah va
kal in sawk khawh a si.
4.
Internet le phone nakin catlap aa ziak deuhmi le zung ah pumpak in kal
caan a ngei lomi/hngah a huam lomi caah catlap in sawh khawh a si
thiamthiam. Hi ka zawn ah
hin hmet law, catlap in print khawhmi pdf a um lai. A herhmi zawn
vialte na phit hnu ah a tanglei address ah kuat khawh a si.
Health Insurance Marketplace
Dept. of Health and Human Services
465 Industrial Blvd.
London, KY 40750-0001
---------------
Obamacare
cu ka uar bak. Zeitluk an sawi zongah a poi ah ka chia lo. Ka caah a
tha. Man deng tein ngamdamnak insurance a ka pek caah kaa lawm. Caanhman
tein doctor sinah ngandamnak kaa check ngam cang lai i a herhmi ka-kuai-sii
zong, a caan hnut hlanah kaa chun cang lai. Cuhlan nakin ka ngan a dam
deuh lai. Kan ngandam deuh ahcun ka chan sau deuh lai. Ka chan sau deuh
ahcun ka dawtmi minung caah thiltha tam deuh ka tuah khawh lai. Vawlei
zong ka tlum-al ter khawh deuh men.
Keimah
pumpak ca lawng hlah, US ram ca zongah caansau caah cun a thami a si
thiamthiam tiah ka ruah. A rawk tukmi an healthcare system nih teh an
ram theipar vialte a ei dih cang leh lai hi.
Rak caw ve hmanh, na uar tuk men ve lai. Obamacare ka uar! Obamacare ka uar!
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