Zimawononga ndalama zingati ku United States?
Pulogalamu ya Mtengo wapakati wokhala ndi mwana ku US ., Popanda zovuta pakubereka, ndi $ 10,808 , zomwe zingakwere mpaka $ 30,000 polingalira za chisamaliro choperekedwa mimba isanakwane komanso itatha .
Poganizira kuti ku US, amayi 2,821,010 adabadwa mwachilengedwe ndipo amayi 1,332,339 adalandira gawo la C mu 2019, malinga ndi Malo Othandizira Kuletsa ndi Kupewa Matenda , ndi ndalama zambiri zomwe zimapita kuchipatala chifukwa cha Ndalama za amayi oyembekezera.
Magawo a C ndi okwera mtengo kwambiri mwa awiriwa , ndipo zikukwera. Mwayi wa gawo la C ku US wawonjezeka ndi 500% kuyambira koyambirira kwa ma 1970, adatero Neel Shah ku US News .
Koma kaya mwabadwa mwachilengedwe kapena mwanjira yosiya, mtengo umasiyanasiyana kutengera dera lomwe mukukhala . FAIR Thanzi idapereka malingaliro aboma ndi boma za momwe zimakhalira ndi mwana m'dziko lililonse. .
Pitani m'munsimu kuti muwone momwe zimakhalira kuti mutumizidwe m'dziko lanu, motsatira zilembo. Taphatikizira mtengo wapakati pakubadwa mwachilengedwe ndi inshuwaransi komanso kubadwa kwachilengedwe kopanda inshuwaransi, komanso mtengo wokhala ndi gawo losiya kubereka ndi inshuwaransi komanso kukhala ndi gawo loperekera popanda inshuwaransi.
Mtengo ndi inshuwaransi umawonetsa ndalama zonse za kuchipatala. Ndalama zotuluka m'thumba weniweni angakhale wotsika ndipo zimadalira inshuwaransi kapena copay Kuphatikizidwa ndi pulani ya inshuwaransi ya munthu. Mtengo wopanda inshuwaransi umadalira kuchuluka kwa zonse zomwe chipatala chitha kulipira, zomwe munthu wopanda inshuwaransi amakhala ndiudindo wokwanira pokhapokha ngati atapangapo zina.
Alabama
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: Kutumiza $ 5,230.46
wachilengedwe wopanda inshuwaransi: $ 9,516.86
Gawo la Kaisara Ndi inshuwaransi: $ 8,221.42 Gawo la Cesarean
Osatetezedwa: $ 13,589.75
Alaska
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: Kutumiza $ 11,609.95
wachilengedwe wopanda inshuwaransi: $ 20,243.38
Gawo la Kaisara Ndi inshuwaransi: $ 16,707.29 Gawo la Cesarean
Osatetezedwa: $ 28,617.34
Arizona
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 8,034.32 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 14,812.45
Gawo la Kaisara Ndi inshuwaransi: $ 10,699.23 Gawo la Cesarean
Osatetezedwa: $ 18,023.04
Arkansas
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 5,724.24 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 10,172.09
Gawo la Kaisara Ndi inshuwaransi: $ 8,616.81 gawo la Cesarean
Osatetezedwa: $ 13,970.83
California
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 7,755.49 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 13,974.77
Gawo la Kaisara Ndi inshuwaransi: $ 11,390.88 Gawo la Osiya
Osatetezedwa: $ 19,184.14
Colorado
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 7,435.49 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 13,593.07
Gawo la Kaisara Ndi inshuwaransi: $ 10,356.17 gawo la Cesarean
Osatetezedwa: $ 17,713.57
Connecticut
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 8,071.26 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 15,000.57
Gawo la Kaisara Ndi inshuwaransi: $ 10,936.89 Gawo la Cesarean
Osatetezedwa: $ 19,692.76
Zowonjezera
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,496.76 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 12,104.65
Gawo la Kaisara Ndi inshuwaransi: $ 10,280.30 Gawo la Kaisara
Osatetezedwa: $ 17,617.02
Florida
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 7,745.00 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 14,757.28
Gawo la Kaisara Ndi inshuwaransi: $ 11,917.39 Gawo la Cesarean
Osatetezedwa: $ 20,805.89
Georgia
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 7,264.89 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 13,410.70
Gawo la Kaisara Ndi inshuwaransi: $ 11,162.80 Gawo la Kaisara
Osatetezedwa: $ 19,328.71
Hawaii
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,112.40 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 10,552.42
Gawo la Kaisara Ndi inshuwaransi: $ 8,968.17 gawo la Osereya
Osatetezedwa: $ 14,445.19
Idaho
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: Kutumiza $ 6,550.40
wachilengedwe wopanda inshuwaransi: $ 11,242.58
Gawo la Kaisara Ndi inshuwaransi: $ 9,485.11 Gawo la Kaisara
Osatetezedwa: $ 15,102.93
Illinois
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 8,329.52 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 14,725.11
Gawo la Kaisara Ndi inshuwaransi: $ 11,999.74 Gawo la Cesarean
Osatetezedwa: $ 19,631.75
Indiana
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,805.89 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 11,571.69
Gawo la Kaisara Ndi inshuwaransi: $ 10,749.93 Gawo la Cesarean
Osatetezedwa: $ 16,951.98
Iowa
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,405.78 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 10,938.84
Gawo la Kaisara Ndi inshuwaransi: $ 9,708.81 Gawo la Osereya
Osatetezedwa: $ 15,135.67
Kansas
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,368.52 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 10,862.29
Gawo la Kaisara Ndi inshuwaransi: $ 10,287.78 Gawo la Cesarean
Osatetezedwa: $ 16,269.51
Kentucky
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,111.73 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 11,242.27
Gawo la Kaisara Ndi inshuwaransi: $ 9,055.16 Gawo la Osereya
Osatetezedwa: $ 15,150.94
Louisiana
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,008.24 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 10,970.87
Gawo la Kaisara Ndi inshuwaransi: $ 8,542.98 Gawo la Osereya
Osatetezedwa: $ 13,776.54
Maine
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 5,947.02 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 11,047.39
Gawo la Kaisara Ndi inshuwaransi: $ 9,162.19 Gawo la Cesarean
Osatetezedwa: $ 15,906.99
Maryland, PA
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,471.87 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 12,596.52
Gawo la Kaisara Ndi inshuwaransi: $ 9,610.39 gawo la Cesarean
Osatetezedwa: $ 16,425.80
Massachusetts
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 7,741.64 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 14,549.03
Gawo la Kaisara Ndi inshuwaransi: $ 11,012.54 gawo la Cesarean
Osatetezedwa: $ 19,879.60
Michigan, PA
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,545.41 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 11,211.17
Gawo la Kaisara Ndi inshuwaransi: $ 9,695.69 Gawo la Cesarean
Osatetezedwa: $ 15,107.17
Minnesota
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: Kutumiza $ 6,994.03
wachilengedwe wopanda inshuwaransi: $ 11,721.86
Gawo la Kaisara Ndi inshuwaransi: $ 10,453.20 Gawo la Cesarean
Osatetezedwa: $ 15,646.02
Mississippi
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,545.41 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 11,211.17
Gawo la Kaisara Ndi inshuwaransi: $ 9,695.69 Gawo la Cesarean
Osatetezedwa: $ 15,107.17
Missouri
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,327.80 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 10,871.98
Gawo la Kaisara Ndi inshuwaransi: $ 9,830.36 Gawo la Osereya
Osatetezedwa: $ 15,513.47
Montana
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: Kutumiza $ 5,962.30
wachilengedwe wopanda inshuwaransi: $ 10,244.88
Gawo la Kaisara Ndi inshuwaransi: $ 8,484.98 Gawo la Cesarean
Osatetezedwa: $ 13,344.77
Nebraska
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: Kutumiza $ 5,775.12
wachilengedwe wopanda inshuwaransi: $ 9,655.74
Gawo la Kaisara Ndi inshuwaransi: $ 8,756.02 Gawo la Osiya
Osatetezedwa: $ 13,143.40
Nevada
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 7,700.71 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 13,761.86
Gawo la Kaisara Ndi inshuwaransi: $ 10,912.63 Gawo la Cesarean
Osatetezedwa: $ 18,266.84
New Hampshire
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,648.16 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 12,692.15
Gawo la Kaisara Ndi inshuwaransi: $ 9,569.52 Gawo la Cesarean
Osatetezedwa: $ 16,837.87
New Jersey
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 8,963.92 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 17,504.25
Gawo la Kaisara Ndi inshuwaransi: $ 11,662.16 Gawo la Osereya
Osatetezedwa: $ 21,294.82
New Mexico
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: Kutumiza $ 5,946.97
wachilengedwe wopanda inshuwaransi: $ 10,830.34
Gawo la Kaisara Ndi inshuwaransi: $ 9,096.24 Gawo la Osereya
Osatetezedwa: $ 14,921.50
New York
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 8,462.84 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 16,057.74
Gawo la Kaisara Ndi inshuwaransi: $ 12,114.11 Gawo la Kaisara
Osatetezedwa: $ 22,059.22
North Carolina
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,750.16 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 11,991.33
Gawo la Kaisara Ndi inshuwaransi: $ 10,102.62 Gawo la Osiya
Osatetezedwa: $ 16,839.97
North Dakota
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 7,974.09 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 13,277.45
Gawo la Kaisara Ndi inshuwaransi: $ 11,408.56 Gawo la Osiya
Osatetezedwa: $ 17,647.14
Ohio
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,138.46 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 10,629.46
Gawo la Kaisara Ndi inshuwaransi: $ 9,100.74 Gawo la Cesarean
Osatetezedwa: $ 14,212.56
Oklahoma
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,083.51 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 11,266.83
Gawo la Kaisara Ndi inshuwaransi: $ 10,553.98 Gawo la Osiya
Osatetezedwa: $ 18,121.42
Oregon
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 7,351.16 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 12,622.35
Gawo la Kaisara Ndi inshuwaransi: $ 10,972.50 Gawo la Kaisara
Osatetezedwa: $ 17,948.33
Pennsylvania
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,458.71 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 12,223.65
Gawo la Kaisara Ndi inshuwaransi: $ 10,349.39 Gawo la Cesarean
Osatetezedwa: $ 18,753.63
Rhode Island
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 5,472.47 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 10,385.63
Gawo la Kaisara Ndi inshuwaransi: $ 8,183.02 Gawo la Osiya
Osatetezedwa: $ 14,088.87
South Carolina
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,697.16 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 12,277.26
Gawo la Kaisara Ndi inshuwaransi: $ 10,036.85 Gawo la Osiya
Osatetezedwa: $ 16,707.30
South Dakota
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,835.96 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 11,457.59
Gawo la Kaisara Ndi inshuwaransi: $ 10,167.63 Gawo la Cesarean
Osatetezedwa: $ 15,994.09
Tennesse, PA
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,817.41 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 12,587.19
Gawo la Kaisara Ndi inshuwaransi: $ 10,181.71 Gawo la Cesarean
Osatetezedwa: $ 17,157.99
Texas
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 7,699.20 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 14,641.11
Gawo la Kaisara Ndi inshuwaransi: $ 11,267.77 gawo la Cesarean
Osatetezedwa: $ 19,551.97
Utah
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 5,951.76 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 10,199.52
Gawo la Kaisara Ndi inshuwaransi: $ 8,952.52 Gawo la Osiya
Osatetezedwa: $ 14,252.80
Vermont
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: Kutumiza $ 6,219.90
wachilengedwe wopanda inshuwaransi: $ 12,138.26
Gawo la Kaisara Ndi inshuwaransi: $ 9,734.18 Gawo la Osiya
Osatetezedwa: $ 17,428.48
Virginia
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,517.02 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 12,342.55
Gawo la Kaisara Ndi inshuwaransi: $ 10,593.92 Gawo la Cesarean
Osatetezedwa: $ 18,261.83
Washington
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 7,043.42 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 12,210.33
Gawo la Kaisara Ndi inshuwaransi: $ 10,725.39 Gawo la Cesarean
Osatetezedwa: $ 17,680.54
West Virginia
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 6,163.94 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 11,108.51
Gawo la Kaisara Ndi inshuwaransi: $ 9,376.43 Gawo la Cesarean
Osatetezedwa: $ 15,553.63
Wisconsin
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: $ 10,171.19 Kutumiza
wachilengedwe wopanda inshuwaransi: $ 17,888.14
Gawo la Kaisara Ndi inshuwaransi: $ 14,239.59 Gawo la Osiya
Osatetezedwa: $ 23,746.69
Wyoming
Mtengo wokhala ndi mwana:
Kubadwa kwachilengedwe ndi inshuwaransi: Kutumiza $ 7,724.00
wachilengedwe wopanda inshuwaransi: $ 13,143.39
Gawo la Kaisara Ndi inshuwaransi: $ 11,331.72 Gawo la Cesarean
Osatetezedwa: $ 18,476.31
Ndili ndi Inshuwaransi Yathanzi. Kodi Ndiyenera Kulipira Chiyani Pakubereka Mayi Ndikubereka?
Ndondomeko zomwe zimakhudza mitengo ya umayi
Nkhani yabwino: Ngati muli ndi inshuwaransi yoperekedwa ndi abwana anu ndipo kampaniyo imagwiritsa ntchito anthu osachepera 15 nthawi zonse, inshuwaransi yanu iyenera kupereka chithandizo chamankhwala.
Kuchuluka kwa ndalama zapakati pa kubadwa ndi kubereka zomwe zidzachitike zimadalira kampani yanu ya inshuwaransi ndi dongosolo lomwe muli nalo, koma kawirikawiri, mapulani a ogwira ntchito amalipira 25 mpaka 90% ya zolipirira. Dziwani kuti izi ndi pambuyo poti deductible ikwaniritsidwa ndipo pakhoza kukhala kuchotsera kosiyana kwa aliyense m'banjamo, chifukwa chake mutha kulipira pang'ono mthumba. Mwanjira ina, ngati aliyense m'banja (kuphatikiza mwana wanu wakhanda) ali ndi $ 2,000 yochotseredwa, mudzayenera kulipira ndalama zokwana madola 4,000 zoyendetsera chithandizo chamankhwala inu ndi mwana wanu, kuphatikiza china chilichonse kupatula dongosolo lomwe simulipire.
Ngati muli ndi pulani kudzera mu Career Affordable Care Act, ikukhudzana ndi kutenga pakati komanso kubereka, inde, ngakhale mutakhala ndi pakati musanalalikire.
Ndondomeko zomwe sizitero
Ngati muli ndi inshuwaransi yaumwini, yomwe simunapereke kudzera kwa abwana anu, sizingakwaniritse zolipira za amayi. Mayiko angapo amafuna mapulani okhudzana ndi kubereka komanso kubereka, koma mayiko ambiri samawafuna kutero. Mu 2010, 12% yokha yamalamulo payekhapayekha idapereka chithandizo chokhudza umayi. Nthawi zambiri, ndizotheka kugula wokwera kuti apeze ndalama zoyembekezera, koma mtengo ukhoza kukhala wokwera (mpaka $ 1,100 pamwezi), ndipo nthawi zina pamakhala nthawi yodikira chaka chimodzi kapena ziwiri phindu lisanachitike.
Kodi Ndingatani Kuti Ndizionetsetsa Kuti Wopereka Inshuwaransi Yathanzi Langa Alipira Momwe Mungathere?
Pofuna kupewa kulipira zochulukirapo kapena zina zomwe simukuyenera kulipira, ndikofunikira kuti mumvetsetse bwino mfundo zakampani yanu ya inshuwaransi yokhudza kubereka. Ngati muli ndi inshuwaransi kudzera kwa abwana anu, dipatimenti yanu yazantchito iyenera kukuthandizani kuti mumvetsetse zomwe mumalemba. Makampani ambiri amakhalanso ndi foni yolumikizira mimba yomwe mutha kuyimba kuti mudziwe zambiri. Tsatirani malangizowa kuti muwonetsetse kuti mungakwaniritse zambiri komanso zosakhudzidwa pang'ono:
Lowani netiweki.
Sankhani azachipatala omwe ali mu netiweki ndi chipatala kapena malo oberekera kuti mupewe ndalama zotuluka m'thumba.
Mvetsetsani dongosolo lanu la inshuwaransi.
Pezani ma deductible, copayment, ndi matumba akulu anu kuti muwerengere ndalama zomwe mudzakhale.
Osakhala nthawi yayitali kuchipatala.
Chonde onani kutalika kwa nthawi yomwe munagona kuchipatala komwe amakhala ndikungokhala kwakanthawi, ngati zingatheke.
Dziwitsani amene akukunyamulirani zakubadwa kwa mwanayo mwachangu.
Zolinga zambiri zimafuna kuti mwana wakhanda awonjezeredwe kubizinesi ya inshuwaransi pasanathe masiku 30 kuchokera atabadwa. Kupanda kutero, zolipira za mwana wanu sizingachitike. Ena amayembekezera kuti muwaimbire foni mukafika kuchipatala kuti mukapereke, ndipo ngati simutero, angakane kubweza mitengo yobereka komanso chisamaliro cha mwana wanu kuchipatala.
Kodi Ndingapeze Bwanji Inshuwaransi Yathanzi Ngati Wolemba Wanga (Kapena Wothandizana Naye) Sakupereka Izi?
Munthu akhoza kukhala ndi inshuwaransi yazaumoyo, koma yang'anani zosankha zanu, chifukwa mapulani samalipira ndalama zakuberekera ndipo nthawi zina amatenga mimba ngati vuto lomwe lidalipo kale (kutanthauza kuti mwina silingaphimbidwe). Mutha kukhala oyenerera kukhala ndi inshuwaransi ya boma kapena boma. Zina zomwe zilipo:
Inshuwaransi yazaumoyo
Pulogalamu yothandizidwa ndi federali imapereka chithandizo chamankhwala kumabanja omwe amalandila ndalama zochepa komanso anthu. Kathleen Stoll, Wachiwiri kwa Mtsogoleri Wamkulu wa Mabanja USA , amalimbikitsa azimayi kuti afufuze njirayi ngakhale akuganiza kuti sangayenerere. Mulingo woyenera kulandira ndalama ndiwokwera kwambiri kwa amayi apakati, chifukwa chake musaganize kuti simukuyenera, akutero.
Mapulogalamu a inshuwaransi yadziko
Izi zimaperekedwa m'maiko osiyanasiyana. Mavoti amasiyana malinga ndi mayiko.
Zaumoyo.gov
Imathandizira malo azachipatala omwe amapereka ndalama kumabungwe omwe amapereka chithandizo chamankhwala choyambirira, kuphatikiza chisamaliro chobereka asanalandire ndalama zosiyanasiyana. Ndipo, monga tanena kale, zimakhudza mtengo wa kutenga pakati.
NKHANI
Pulogalamuyi imapereka kupitilizabe kwa chithandizo chamankhwala kwa anthu komanso mabanja omwe amataya mwayi wathanzi chifukwa chotaika ntchito kapena zina zotheka.
Kuti muthandizidwe kuti mumve zambiri zakusankha inshuwaransi yapadera, onani Sungani wopanga .
Kodi Mungatani Kuti Muchotse Mtengo Wobereka ndi Wobereka?
Onani mitengoyo.
Mosiyana ndi zamankhwala zadzidzidzi, mutha kukhala ogula anzeru. Mutha kugula musanapite nthawi chifukwa muli ndi nthawi yoperekera, Stoll akuti. Pezani chipatala chomwe chimapereka mitengo yabwino yoberekera ndi chithandizo chamankhwala (inde, mutha kufunsa), ndipo muwone ngati angawonekere ngati ali pa intaneti.
Ganizirani masinthidwe ena.
Ngati mukuyembekezera kubereka kosavuta, lingalirani zogwiritsa ntchito m'malo oberekera osati kuchipatala. Mtengo wake uyambira pafupifupi $ 3,000 mpaka $ 4,000, zomwe ndi pafupifupi theka la zomwe kuchipatala kungawononge. Ingodziwa kuti malo obadwirako sangathe kuwonedwa ngati netiweki, chifukwa chake mutha kumalipira zambiri mthumba kuposa momwe mungachitire kuchipatala chapaintaneti. Pakubadwira panyumba, ndalama zonse nthawi zambiri zimakhala 100% mthumba, koma nthawi zambiri zimakhala zotsika mtengo kwambiri.
Kambiranani ndi chipatala chanu.
Dziwani ngati dipatimenti yazachuma kuchipatala komwe mukapereke imapereka kuchotsera kwa odwala omwe alibe inshuwaransi kapena ngati angagwire nanu ntchito kuti akhazikitse dongosolo lolipirira.
Tengani mankhwala achibadwa.
Gwirani ntchito ndi OB wanu kuti muwone ngati pali njira zina zoperekera mankhwala osokoneza bongo panthawi yobereka kapena pambuyo pobereka. Muthanso kutenga mavitamini oberekera m'malo moperekera mankhwala, Stoll akuti.
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