Gwero: Jacobin
Sabata yatha, ofesi ya DRM Budget (CBO) idatulutsa kulingalira za mtengo wokhazikitsa pulogalamu ya inshuwaransi yaumoyo yolipira munthu mmodzi ku United States. Lipoti la CBO ndilokwanira kuposa kafukufuku wina aliyense waposachedwa pankhaniyi ndipo akuti kusintha dongosolo lathu lamakono ndi njira yolipira m'modzi kungatsimikizire ku America aliyense ndikuchepetsa kuwononga ndalama mdziko lonse.
Kutengera mtengo wa pulogalamu yolipira m'modzi ndikosavuta. Mumayamba ndi momwe zilili paumoyo wanu ndikulingalira mozama za mafunso awa:
- Ndi magawo angati a chithandizo chaumoyo omwe adzafunike ndikuperekedwa pamene zopinga zamitengo zichotsedwa?
- Kodi kasamalidwe ka inshuwaransi yazaumoyo zikhala bwino bwanji pambuyo polembetsa komanso njira zolipirira zitakhala zophweka?
- Ndi ndalama zingati zomwe zidzapulumutsidwe pochepetsa mitengo yamalipiro achipatala ndi makampani opanga mankhwala?
CBO idayankha mafunso awa pamapangidwe anayi olipira amodzi ndipo idapeza kuti njira yolipira imodzi ingapulumutse $42 biliyoni mpaka $743 biliyoni mu 2030 yokha.
Payokha, CBO idatenga njira yake yotsika mtengo kwambiri yolipira m'modzi - pulogalamu yokhala ndi malipiro apamwamba kwa opereka ndi makampani opanga mankhwala ndikugawana zotsika mtengo kwa anthu - ndikuwonjezera chithandizo chanthawi yayitali (LTSS) kwa iyo kuti ipange mtengo wachisanu. yerekezerani. Pachiwerengero chimenecho, ndalama zonse zomwe zimagwiritsidwa ntchito zimakwera ndi $290 biliyoni.
Njira ya CBO yomwe imayandikira kwambiri Medicare for All proposals ndi Njira 3, yomwe imakhala ndi malipiro otsika komanso kugawana mtengo wotsika. Njira imeneyo imapanga ndalama zokwana madola 650 biliyoni mu 2030. Kuonjezera LTSS ku njira imeneyo, yomwe imayerekezeranso zomwe Medicare for All proposals ambiri amakono amachita, zikuwoneka ngati zingabweretse ndalamazo mpaka $ 300 biliyoni.
Chochititsa chidwi kwambiri kuposa zomwe CBO adapeza pamutu wamutu ndikufufuza mwatsatanetsatane komwe amachita pakusintha kulikonse komanso kuyerekeza zotsatira za kafukufuku wawo ndi zotsatira za maphunziro ena ofanana.
Chomwe chimandiyimilira kwambiri pakuyerekeza uku ndi kulowa pansi kwa CBO kumitengo yoyang'anira. Medicare for All advocates akhala akulozera ku 2 peresenti ya ndalama zoyendetsera ntchito zachikhalidwe cha Medicare monga zomwe tiyenera kuyembekezera mu Medicare for All system. Otsutsa malingalirowa akhala akutsutsana, mwa zina, kuti ndalama zotsika za Medicare ndizovuta kwambiri chifukwa chakuti ndalama zawo zoyang'anira anthu omwe amalembetsa zimagawidwa ndi kuchuluka kwakukulu kwa chithandizo chamankhwala kwa olembetsa.
Kutsutsa kumeneku sikunamveke konse. Mapulani a Private Medicare Advantage ali ndi anthu odwala komanso okalamba omwe amalembetsa, koma amatha kuwononga ndalama zambiri. peresenti 13.7 za ndalama zawo zoyendetsera ntchito. Kusanthula kwa CBO, komwe kumayamba ndi ndalama zomwe zikuyendetsedwa ndi Medicare ndikuwunika momwe mtengo uliwonse wa ndalamazo ungakwerere kapena kutsika pamakina olipira amodzi, zikuwoneka kuti zikuyika izi kuti zigone kamodzi.
Zowonadi, CBO imapeza kuti ndalama zoyendetsera Medicare zomwe nthawi zambiri zimaperekedwa ndi oyimira. Apamwamba kuposa ndalama zoyang'anira zomwe mungayembekezere mumchitidwe wolipira m'modzi chifukwa gawo lalikulu la ndalamazo limalumikizidwa ndi ntchito monga kutsimikiza koyenera komanso kusonkhanitsa ndalama za Medicare Part B zomwe sizingakhalenso mu dongosolo la Medicare for All.
Chifukwa chake, ndalama zoyendetsera olipira zomwe tingayembekezere pansi pa wolipira m'modzi si 6 peresenti yoperekedwa ndi Urban ndi Mercatus. Sali ngakhale 2 peresenti ya pulogalamu yachikhalidwe ya Medicare. M'malo mwake, ali ngati 1.5 mpaka 1.8 peresenti. Kuyerekeza kwinaku kukusowa ndalama zosungira mabiliyoni mazanamazana pachaka pa chinthuchi chokha.
Ponseponse, kafukufukuyu akutsimikizira zomwe akatswiri a Medicare for All adziwa kwa nthawi yayitali. Ndizotheka kupereka inshuwaransi yapamwamba kwambiri yazaumoyo kwa munthu aliyense mdzikolo ndikusunga ndalama zonse pazaumoyo. Zopinga za ndondomekoyi sizosowa luso kapena ndalama, koma kutsutsa ndale kuchokera ku Republican ndi Democrats okhazikika omwe angakonde kugwiritsa ntchito ndalama zambiri kuti apereke chithandizo chamankhwala chochepa.
Matt Bruenig ndiye woyambitsa People's Policy Project.
ZNetwork imalandira ndalama kudzera mu kuwolowa manja kwa owerenga ake.
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