{"id":1958,"date":"2016-12-01T21:40:57","date_gmt":"2016-12-02T02:40:57","guid":{"rendered":"http:\/\/yibababa.com\/?p=1958"},"modified":"2016-12-01T21:40:57","modified_gmt":"2016-12-02T02:40:57","slug":"%e5%9c%a8%e7%be%8e%e5%9b%bd%e5%a6%82%e4%bd%95%e4%b9%b0%e5%8c%bb%e7%96%97%e4%bf%9d%e9%99%a9%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/yibababa.com\/article\/archives\/1958","title":{"rendered":"\u5728\u7f8e\u56fd\u5982\u4f55\u4e70\u533b\u7597\u4fdd\u9669\uff1f"},"content":{"rendered":"<p>\u5728\u9009\u62e9\u7f8e\u56fd\u533b\u7597\u4fdd\u9669\u65f6\uff0c\u6211\u4eec\u90fd\u5e0c\u671b\u6311\u5230\u4ef7\u683c\u9002\u4e2d\u7684\u4ea7\u54c1\u3002\u662f\u4e0d\u662f\u4fdd\u9669\u8d39\uff08premium\uff09\u6700\u4f4e\u7684\u4fdd\u9669\u5c31\u6700\u4fbf\u5b9c\u5462\uff1f<\/p>\n<p><strong>\u4e0d\u662f\u7684<\/strong>\u3002\u533b\u7597\u4fdd\u9669\u8ba1\u5212\u7684\u4fdd\u9669\u8d39\u662f\u65e0\u8bba\u770b\u75c5\u4e0e\u5426\uff0c\u60a8\u90fd\u8981\u56fa\u5b9a\u652f\u4ed8\u7684\u8d39\u7528\uff0c\u76f8\u5f53\u4e8e\u53c2\u52a0\u533b\u7597\u4fdd\u9669\u7684\u4f1a\u5458\u8d39\u3002\u5f53\u60a8\u53bb\u533b\u9662\u6216\u8bca\u6240\u8fdb\u884c\u68c0\u67e5\u6cbb\u7597\u540e\uff0c\u4fdd\u9669\u516c\u53f8\u53ea\u62a5\u9500\u90e8\u5206\u7684\u533b\u7597\u8d39\u7528\uff0c\u60a8\u4e2a\u4eba\u8fd8\u9700\u8981\u4ee5\u79cd\u79cd\u5f62\u5f0f\u627f\u62c5\u4e00\u90e8\u5206\u7684\u533b\u7597\u8d39\u7528\uff0c\u5305\u62ec\u81ea\u4ed8\u6b3e\uff08deductible\uff09\u3001\u5171\u540c\u4fdd\u9669\uff08coinsurance\uff09\u3001\u5b9a\u989d\u624b\u7eed\u8d39\uff08copayment\uff09\u7b49\u3002<\/p>\n<p><a href=\"http:\/\/www.anrdoezrs.net\/click-7036188-10393166-1467906597000\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1959\" src=\"http:\/\/yibababa.com\/wp-content\/uploads\/2016\/12\/1.jpg\" alt=\"1\" width=\"300\" height=\"250\" \/><\/a><\/p>\n<p>\u8fd9\u91cc\u5c31\u4e3a\u60a8\u8be6\u7ec6\u4ecb\u7ecd\u5982\u4f55\u6b63\u786e\u8bc4\u4f30\u533b\u7597\u4fdd\u9669\u7684\u8d39\u7528\uff0c\u5e2e\u52a9\u60a8\u9009\u62e9\u4ef7\u5ec9\u7269\u7f8e\u7684\u4fdd\u9669\u4ea7\u54c1\u3002<\/p>\n<p><strong>\u5982\u4f55\u8ba1\u7b97\u533b\u7597\u4fdd\u9669\u7684\u8d39\u7528<\/strong><\/p>\n<p>\u5f53\u60a8\u5bf9\u81ea\u5df1\u7684\u533b\u7597\u9700\u6c42\u4f5c\u51fa\u8bc4\u4f30\u540e\uff0c\u4e0b\u4e00\u6b65\u5c31\u9700\u8981\u8ba1\u7b97\u53c2\u52a0\u533b\u7597\u4fdd\u9669\u7684\u603b\u8d39\u7528\uff0c\u5bf9\u6bd4\u81ea\u5df1\u7684\u7ecf\u6d4e\u80fd\u529b\uff0c\u770b\u80fd\u5426\u627f\u62c5\u5f97\u8d77\u533b\u7597\u4fdd\u9669\u3002<\/p>\n<p>\u8d2d\u4e70\u533b\u7597\u4fdd\u9669\uff0c\u60a8\u9700\u8981\u652f\u4ed8\u4fdd\u9669\u8d39\uff08premium\uff09\uff0c\u8fd9\u7b14\u8d39\u7528\uff0c\u65e0\u8bba\u60a8\u770b\u75c5\u4e0e\u5426\uff0c\u90fd\u5fc5\u987b\u5b9a\u671f\u652f\u4ed8\u3002\u9664\u6b64\u4e4b\u5916\uff0c\u8fd8\u6709\u8bb8\u591a\u533b\u7597\u8d39\u7528\u9700\u8981\u60a8\u81ea\u638f\u8170\u5305\uff08out-of-pocket\uff09\uff0c\u6bd4\u5982\u53d7\u4fdd\u4eba\u5fc5\u987b\u5148\u652f\u4ed8\u81ea\u4ed8\u6b3e\uff08deductible\uff09\u540e\uff0c\u4fdd\u9669\u516c\u53f8\u624d\u5f00\u59cb\u62a5\u9500\u8d39\u7528\u3002\u4e00\u822c\u60c5\u51b5\u4e0b\uff0c\u4fdd\u9669\u8d39\u8d8a\u4f4e\uff0c\u81ea\u4ed8\u6b3e\u8d8a\u9ad8\u3002\u6b64\u5916\uff0c\u6bcf\u6b21\u770b\u75c5\u540e\uff0c\u60a8\u4e2a\u4eba\u8fd8\u8981\u652f\u4ed8\u90e8\u5206\u533b\u7597\u8d39\u7528\u3002\u4fdd\u9669\u516c\u53f8\u4e0d\u4f1a100\uff05\u62a5\u9500\u6240\u6709\u7684\u8d39\u7528\u3002<\/p>\n<p>\u5728\u7f8e\u56fd\uff0c\u6709\u4e9b\u4eba\u5373\u4f7f\u6709\u533b\u7597\u4fdd\u9669\uff0c\u4e5f\u4e0d\u6562\u8f7b\u6613\u770b\u75c5\uff0c\u56e0\u4e3a\u4ed6\u4eec\u4e0d\u80fd\u627f\u62c5\u770b\u75c5\u540e\u7684\u81ea\u4ed8\u8d39\u7528\u3002<\/p>\n<p><strong>\u53c2\u52a0\u533b\u7597\u4fdd\u9669\u5305\u62ec\u54ea\u4e9b\u8d39\u7528\uff1f<\/strong><\/p>\n<p>\u8fd9\u91cc\u4e3a\u60a8\u4ecb\u7ecd\u4fdd\u9669\u5408\u540c\u4e2d\u6700\u5e38\u89c1\u7684\u4e0e\u8d39\u7528\u76f8\u5173\u7684\u4fdd\u9669\u672f\u8bed\u3002\u60a8\u53ef\u4ee5\u53c2\u8003\u4fdd\u9669\u5408\u540c\u6761\u6b3e\u4f30\u7b97\u60a8\u548c\u5bb6\u5ead\u7684\u533b\u7597\u8d39\u7528\u5f00\u9500\u3002<\/p>\n<p><strong>1. \u4fdd\u9669\u8d39 Premium<\/strong><\/p>\n<p>\u4fdd\u9669\u8d39\uff08premium\uff09\u6307\u53d7\u4fdd\u4eba\u5b9a\u671f\u5411\u4fdd\u9669\u516c\u53f8\u652f\u4ed8\u7684\u8d39\u7528\uff0c\u901a\u5e38\u4e3a\u6bcf\u6708\u652f\u4ed8\u3002\u4fdd\u9669\u8d39\u7684\u9ad8\u4f4e\u4e0e\u627f\u4fdd\u8303\u56f4\u3001\u60a8\u7684\u5e74\u9f84\u3001\u5065\u5eb7\u72b6\u51b5\u7b49\u76f8\u5173\u3002\u53d7\u4fdd\u4eba\u5e74\u9f84\u8d8a\u5927\uff0c\u4fdd\u9669\u8d39\u4e5f\u76f8\u5e94\u589e\u52a0\u3002<\/p>\n<p>\u60a8\u5728\u8d2d\u4e70\u4fdd\u9669\u65f6\uff0c\u4e5f\u8bb8\u89c9\u5f97\u9009\u62e9\u4fdd\u9669\u8d39\uff08premium\uff09\u4fbf\u5b9c\u7684\u8ba1\u5212\u6700\u5408\u7b97\u3002\u5176\u5b9e\u4e0d\u7136\u3002premium \u662f\u60a8\u53c2\u52a0\u4fdd\u9669\u540e\u5fc5\u987b\u7f34\u7eb3\u7684\u56fa\u5b9a\u652f\u51fa\u3002\u5982\u679c\u60a8\u770b\u75c5\u540e\u53d1\u751f\u4e86\u533b\u7597\u8d39\u7528\uff0c\u60a8\u8fd8\u9700\u8981\u4ea4\u7eb3\u5404\u79cd\u5176\u5b83\u8d39\u7528\uff0c\u6bd4\u5982 deductible\u3001copayment\u3001coinsurance\u7b49\u3002<\/p>\n<p><strong>2. \u81ea\u4ed8\u6b3e Deductible<\/strong><\/p>\n<p>\u53c2\u52a0\u4fdd\u9669\u540e\uff0c\u5728\u770b\u75c5\u65f6\uff0c\u6309\u7167\u4fdd\u9669\u5408\u540c\u7684\u89c4\u5b9a\uff0c\u60a8\u5fc5\u987b\u9996\u5148\u81ea\u5df1\u652f\u4ed8\u4e00\u5b9a\u6570\u989d\u7684\u533b\u7597\u8d39\u7528\uff0c\u4fdd\u9669\u516c\u53f8\u624d\u5f00\u59cb\u62a5\u9500\u6b64\u540e\u53d1\u751f\u7684\u533b\u7597\u8d39\u7528\u3002\u8fd9\u7b14\u81ea\u8d39\u7684\u91d1\u989d\u53eb\u505a\u81ea\u4ed8\u6b3e\uff08Deductible\uff09\u3002<\/p>\n<p>\u5404\u4fdd\u9669\u8ba1\u5212\u90fd\u89c4\u5b9a\u6709\u4e0d\u540c\u7684\u81ea\u4ed8\u6b3e\u6570\u989d\u3002\u6709\u4e9b\u4fdd\u9669\u8ba1\u5212\u4e0d\u9700\u8981\u60a8\u7f34\u7eb3\u81ea\u4ed8\u989d\u3002\u591a\u6570\u4fdd\u9669\u8ba1\u5212\u8981\u6c42\u4e2a\u4eba\u652f\u4ed8500\u7f8e\u5143\u52305000\u7f8e\u5143\u4e0d\u7b49\u7684\u81ea\u4ed8\u6b3e\u3002<\/p>\n<p>\u53ea\u8981\u60a8\u4f7f\u7528\u4e86\u533b\u7597\u670d\u52a1\uff0c\u8981\u6c42\u4fdd\u9669\u516c\u53f8\u62a5\u9500\u8d39\u7528\uff0c\u60a8\u6bcf\u5e74\u90fd\u5fc5\u987b\u652f\u4ed8\u5408\u540c\u89c4\u5b9a\u7684\u81ea\u4ed8\u6b3e\uff0c\u4fdd\u9669\u516c\u53f8\u624d\u4f1a\u62a5\u9500\u4ee5\u540e\u7684\u8d39\u7528\u3002\u5f53\u65b0\u7684\u4fdd\u9669\u5e74\u5ea6\u5f00\u59cb\u540e\uff0c\u53d7\u4fdd\u4eba\u53c8\u8981\u91cd\u65b0\u652f\u4ed8\u81ea\u4ed8\u6b3e\uff0c\u624d\u80fd\u62a5\u9500\u6b64\u540e\u7684\u8d39\u7528\u3002<\/p>\n<p>\u6240\u4ee5\uff0c\u9ad8\u81ea\u4ed8\u989d\u7684\u533b\u7597\u4fdd\u9669\u8ba1\u5212\uff08high deductible health insurance plan\uff09\u53ef\u80fd\u662f\u4e00\u7b14\u4e0d\u5c0f\u7684\u5f00\u9500\u3002\u60a8\u5728\u9009\u62e9\u4fdd\u9669\u8ba1\u5212\u65f6\uff0c\u5e94\u8be5\u8861\u91cf\u4e00\u4e0b\u81ea\u5df1\u7684\u7ecf\u6d4e\u80fd\u529b\uff0c\u770b\u662f\u5426\u5728\u4e00\u5e74\u5185\u80fd\u627f\u62c5\u6b64\u7b14\u6570\u989d\u7684\u533b\u7597\u8d39\u3002<\/p>\n<p>\u901a\u5e38\u60c5\u51b5\u4e0b\uff0c\u81ea\u4ed8\u6b3edeductible\u8d8a\u9ad8\u7684\u4fdd\u9669\u8ba1\u5212\uff0c\u4fdd\u9669\u8d39\uff08premium\uff09\u8d8a\u4f4e\u3002\u53cd\u4e4b\u4ea6\u7136\u3002\u60a8\u53ef\u80fd\u9700\u8981\u5728\u9ad8\u4fdd\u9669\u8d39\u4f4e\u81ea\u4ed8\u6b3e\uff0c\u6216\u8005\u4f4e\u4fdd\u9669\u8d39\u9ad8\u81ea\u4ed8\u6b3e\u7684\u533b\u7597\u4fdd\u9669\u8ba1\u5212\u4e2d\u4f5c\u51fa\u9009\u62e9\u3002<\/p>\n<p>\u9664\u4e86\u8981\u4ea4\u7eb3\u81ea\u4ed8\u6b3edeductible\u4e4b\u5916\uff0c\u533b\u7597\u4fdd\u9669\u901a\u5e38\u8fd8\u8981\u6c42\u4e2a\u4eba\u5728\u6bcf\u6b21\u770b\u75c5\u540e\u652f\u4ed8\u5171\u540c\u4fdd\u9669\uff08coinsurance\uff09\u548c\uff0f\u6216\u5b9a\u989d\u624b\u7eed\u8d39\uff08copayment\uff09\u8fd9\u4e24\u9879\u8d39\u7528\u3002\u8fd9\u662f\u4fdd\u9669\u516c\u53f8\u548c\u53d7\u4fdd\u4eba\u5206\u62c5\u533b\u7597\u8d39\u7684\u65b9\u5f0f\u3002<\/p>\n<p><strong>3. \u5171\u540c\u4fdd\u9669 coinsurance<\/strong><\/p>\n<p>\u6bcf\u6b21\u4f7f\u7528\u533b\u751f\u95e8\u8bca\uff0c\u6025\u8bca\uff0c\u4f4f\u9662\uff0c\u624b\u672f\uff0c\u548c\u5904\u65b9\u836f\u7b49\u533b\u7597\u670d\u52a1\u540e\uff0c\u53d7\u4fdd\u4eba\u9700\u8981\u6309\u7167\u4fdd\u9669\u5408\u540c\u89c4\u5b9a\u7684\u6bd4\u4f8b\u652f\u4ed8\u4e00\u90e8\u5206\u533b\u7597\u8d39\u7528\uff0c\u79f0\u4e3a\u5171\u540c\u4fdd\u9669\uff08coinsurance\uff09\u3002\u901a\u5e38\u4fdd\u9669\u516c\u53f8\u548c\u4e2a\u4eba\u7684\u8d39\u7528\u5206\u914d\u6bd4\u4f8b\u4e3a80\/20\u3002\u5373\u7531\u4fdd\u9669\u516c\u53f8\u652f\u4ed880\uff05\u7684\u533b\u7597\u8d39\u7528\uff0c\u800c\u60a8\u4e2a\u4eba\u627f\u62c5\u5176\u4f5920\uff05\u7684\u8d39\u7528\u3002<\/p>\n<p>\u8fd9\u7b14\u8d39\u7528\u4e0d\u5305\u62ec\u60a8\u53e6\u5916\u652f\u4ed8\u7684\u4fdd\u9669\u8d39\u548c\u81ea\u4ed8\u6b3e\u7684\u91d1\u989d\u3002<\/p>\n<p><strong>4. \u5b9a\u989d\u624b\u7eed\u8d39\uff08\u6302\u53f7\u8d39\uff09copayment<\/strong><\/p>\n<p>\u5b9a\u989d\u624b\u7eed\u8d39\uff08copayment\uff09\u662f\u6307\u53d7\u4fdd\u4eba\u6bcf\u6b21\u770b\u666e\u901a\u95e8\u8bca\u6216\u8d2d\u4e70\u5904\u65b9\u836f\u65f6\u9700\u5f53\u573a\u652f\u4ed8\u7684\u4e00\u7b14\u56fa\u5b9a\u8d39\u7528\u3002\u4f8b\u5982\uff0c\u6bcf\u6b21\u770b\u533b\u751f\u95e8\u8bca\u4e2a\u4eba\u9700\u652f\u4ed820\u7f8e\u5143\uff0c\u8d2d\u4e70\u5904\u65b9\u836f\u65f6\u9700\u652f\u4ed815\u7f8e\u5143\uff0c\u7b49\u7b49\u3002<\/p>\n<p>\u5177\u4f53\u7684\u5b9a\u989d\u624b\u7eed\u8d39\u91d1\u989d\uff0c\u60a8\u7684\u4fdd\u9669\u5408\u540c\u4e2d\u5e94\u8be5\u4f1a\u5217\u51fa\u3002<\/p>\n<p>\u81ea\u4ed8\u6b3edeductible\u3001\u5171\u540c\u4fdd\u9669coinsurance\u3001\u548c\u5b9a\u989d\u624b\u7eed\u8d39copayment\u662f\u4fdd\u9669\u4e2d\u4e0d\u56fa\u5b9a\u7684\u652f\u51fa\u3002\u60a8\u770b\u75c5\u8d8a\u591a\uff0c\u8fd9\u51e0\u7b14\u4e2a\u4eba\u81ea\u8d39\u7684\u652f\u51fa\u5c31\u591a\u3002\u5982\u679c\u60a8\u8eab\u4f53\u4e0d\u9519\uff0c\u4e00\u822c\u4e0d\u5e38\u770b\u75c5\uff0c\u90a3\u4e48\u8fd9\u4e9b\u81ea\u8d39\u7684\u652f\u51fa\u5c31\u5c11\u3002<\/p>\n<p>\u5bf9\u4e8e\u90a3\u4e9b\u9700\u7ecf\u5e38\u770b\u75c5\u4e70\u836f\uff0c\u6216\u8005\u91cd\u75c5\u9700\u4f4f\u9662\u624b\u672f\uff0c\u533b\u7597\u8d39\u7528\u6bd4\u8f83\u9ad8\u7684\u60c5\u51b5\uff0c\u533b\u7597\u4fdd\u9669\u80fd\u6709\u4ec0\u4e48\u5e2e\u52a9\u5462\uff1f\u901a\u5e38\u60c5\u51b5\u4e0b\uff0c\u4fdd\u9669\u516c\u53f8\u4f1a\u89c4\u5b9a\u4e2a\u4eba\u81ea\u8d39\u7684\u6700\u9ad8\u9650\u989d\u3002<\/p>\n<p><strong>5.\u00a0\u6295\u4fdd\u4eba\u6700\u9ad8\u5e94\u4ed8\u989d Out-of-pocket limit<\/strong><\/p>\n<p>\u5728\u4e00\u4e2a\u56fa\u5b9a\u65f6\u6bb5\u5185\uff0c\u901a\u5e38\u4e3a\u4e00\u5e74\uff0c\u60a8\u4e2a\u4eba\u81ea\u8d39\u652f\u4ed8\u7684\u6240\u6709\u533b\u7597\u8d39\u7528\u7684\u6700\u9ad8\u9650\u989d\uff0c\u79f0\u4e3a\u6295\u4fdd\u4eba\u6700\u9ad8\u5e94\u4ed8\u989d\uff08Out-of-pocket Limit\uff09\u3002\u4e00\u822c\u60c5\u51b5\u4e0b\u5728\u4e2a\u4eba\u652f\u51fa\u8fbe\u5230\u6700\u9ad8\u9650\u989d\u540e\uff0c\u4fdd\u969c\u8303\u56f4\u5185\u7684\u533b\u7597\u8d39\u7528\u7531\u4fdd\u9669\u516c\u53f8100%\u652f\u4ed8\u3002<\/p>\n<p>\u8fd9\u6837\u5728\u9700\u8981\u652f\u4ed8\u5927\u7b14\u533b\u7597\u8d39\u7528\u65f6\uff0c\u6700\u9ad8\u5e94\u4ed8\u989d\u5c31\u53ef\u4ee5\u4f5c\u4e3a\u5b89\u5168\u7f51\uff0c\u9632\u6b62\u4e2a\u4eba\u548c\u5bb6\u5ead\u9677\u5165\u7ecf\u6d4e\u56f0\u5883\u3002<\/p>\n<p>\u6295\u4fdd\u4eba\u6700\u9ad8\u5e94\u4ed8\u989d\u7684\u8ba1\u7b97\u901a\u5e38\u5305\u62ec\u4f7f\u7528\u4fdd\u9669\u65f6\u9700\u4e2a\u4eba\u652f\u4ed8\u7684\u81ea\u4ed8\uff08deductible\uff09\u3001\u5171\u540c\u4fdd\u9669\uff08coinsurance\uff09\u3001\u548c\uff0f\u6216\u5b9a\u989d\u624b\u7eed\u8d39\uff08copayment\uff09\u7b49\u8d39\u7528\uff0c\u4f46\u4e0d\u5305\u62ec\u53c2\u52a0\u4fdd\u9669\u540e\u9700\u6bcf\u6708\u652f\u4ed8\u7684\u4fdd\u9669\u8d39\uff08premium\uff09\u3002<\/p>\n<p>\u7f8e\u56fd\u5e73\u4ef7\u533b\u7597\u6cd5\uff08Affordable Care Act\uff09\u89c4\u5b9a\u9488\u5bf9\u7f8e\u56fd\u672c\u571f\u5c45\u6c11\u7684\u957f\u671f\u533b\u7597\u4fdd\u9669\u8ba1\u5212\u5fc5\u987b\u5bf9\u4fdd\u9669\u4eba\u5728\u6bcf\u4e2a\u4fdd\u9669\u5e74\u5ea6\u7684\u4e2a\u4eba\u652f\u51fa\u8bbe\u7acb\u6700\u9ad8\u9650\u989d\uff08out-of-pocket maximum\uff09\u30022017\u5e74\u7684\u81ea\u8d39\u652f\u51fa\u6700\u9ad8\u9650\u989d\u4e3a\u4e2a\u4eba\u6700\u591a\u4e0d\u8d85\u8fc7$7,150\u7f8e\u5143\uff0c\u5bb6\u5ead\u6700\u591a\u4e0d\u8d85\u8fc7$14,300\u7f8e\u5143\u3002<\/p>\n<p>\u9664\u957f\u671f\u533b\u7597\u4fdd\u9669\u4ee5\u5916\u7684\u5176\u5b83\u7c7b\u578b\u7684\u533b\u7597\u4fdd\u9669\u7684 Out-of-pocket limit \u5219\u4e0d\u53d7\u5e73\u4ef7\u533b\u7597\u6cd5\u7684\u4e0a\u8ff0\u91d1\u989d\u9650\u5236\u3002<\/p>\n<p><strong>6. \u7ec8\u751f\u6700\u9ad8\u9650\u989d Life-time maximum<\/strong><\/p>\n<p>\u7ec8\u751f\u6700\u9ad8\u9650\u989d\uff08Life-time maximum\uff09\u662f\u4fdd\u9669\u516c\u53f8\u5728\u60a8\u4e00\u751f\u7684\u65f6\u95f4\u5185\u5c06\u4e3a\u60a8\u652f\u4ed8\u7684\u533b\u7597\u8d39\u7528\u7684\u6700\u9ad8\u6570\u989d\u3002\u7ec8\u8eab\u6700\u9ad8\u9650\u989d\u901a\u5e38\u5728\u6570\u767e\u4e07\u7f8e\u5143\u3002\u4fdd\u9669\u516c\u53f8\u8bbe\u5b9a\u7ec8\u751f\u6700\u9ad8\u9650\u989d\u6765\u4fdd\u62a4\u516c\u53f8\u7684\u5229\u76ca\u3002<\/p>\n<p>\u7ec8\u751f\u9650\u989d\u8d8a\u9ad8\u7684\u4fdd\u9669\u8ba1\u5212\u8d8a\u597d\uff0c\u6709\u7684\u533b\u7597\u4fdd\u9669\u8ba1\u5212\u751a\u81f3\u6ca1\u6709\u7ec8\u751f\u9650\u989d\u3002\u56e0\u4e3a\u8bb8\u591a\u91cd\u5927\u75be\u75c5\u7684\u533b\u7597\u8d39\u7528\u7684\u652f\u51fa\u5f88\u5927\uff0c\u53ef\u4ee5\u5f88\u5feb\u8fbe\u5230\u7ec8\u751f\u9650\u989d\u3002\u6211\u4eec\u5c06\u5728\u8fdb\u5165\u8001\u5e74\u65f6\u9700\u8981\u66f4\u591a\u7684\u533b\u7597\u670d\u52a1\uff0c\u6240\u4ee5\u8981\u8003\u8651\u5230\u5c06\u6765\u7684\u8d39\u7528\uff0c\u4e0d\u80fd\u5728\u5e74\u8f7b\u65f6\u5c06\u6700\u9ad8\u9650\u989d\u7684\u533b\u7597\u8d39\u5168\u90e8\u82b1\u5149\u3002<\/p>\n<p>\u7f8e\u56fd\u56fd\u4f1a\u901a\u8fc7\u7684\u75c5\u4eba\u4fdd\u62a4\u548c\u5e73\u4ef7\u533b\u7597\u6cd5\u6848\uff08Patient Protection And Affordable Care Act\uff09\u89c4\u5b9a\u4fdd\u9669\u516c\u53f8\u51fa\u552e\u7684\u7f8e\u56fd\u672c\u571f\u5c45\u6c11\u957f\u671f\u533b\u7597\u4fdd\u9669\u5c06\u4e0d\u80fd\u518d\u8bbe\u5b9a\u7ec8\u8eab\u6700\u9ad8\u9650\u989d\u3002<\/p>\n<p>\u9664\u957f\u671f\u533b\u7597\u4fdd\u9669\u4ee5\u5916\u7684\u5176\u5b83\u7c7b\u578b\u7684\u533b\u7597\u4fdd\u9669\u7684\u5219\u4e0d\u53d7\u5e73\u4ef7\u533b\u7597\u6cd5\u7684\u9650\u5236\uff0c\u4ecd\u7136\u53ef\u4ee5\u8bbe\u7f6e\u7ec8\u751f\u6700\u9ad8\u9650\u989d\u3002<\/p>\n<p><strong>\u5e73\u4ef7\u533b\u7597\u6cd5\u6848\uff08Obamacare\uff09\u5bf9\u7f8e\u56fd\u672c\u571f\u5c45\u6c11\u7684\u5f71\u54cd<\/strong><\/p>\n<p>\u7f8e\u56fd\u5168\u9762\u5b9e\u884c\u75c5\u4eba\u6743\u529b\u548c\u5e73\u4ef7\u533b\u7597\u6cd5\u6848\uff08Patient Rights and Affordable Care Act\uff09\uff0c\u5c31\u662f\u5927\u5bb6\u901a\u5e38\u6240\u8bf4\u7684 Obamacare\u3002\u6839\u636e\u8fd9\u90e8\u533b\u7597\u6cd5\uff0c\u5728\u7f8e\u56fd\u5c45\u4f4f\u7684\u7f8e\u56fd\u516c\u6c11\u3001\u79fb\u6c11\u3001\u548c\u5408\u6cd5\u5c45\u6c11\u7b49\u90fd\u8981\u8d2d\u4e70\u533b\u7597\u4fdd\u9669\u3002<\/p>\n<p><strong>\u7f8e\u56fd\u6700\u5927\u7684\u79c1\u4eba\u533b\u7597\u4fdd\u9669\u7f51\u7ad9<\/strong> <span style=\"text-decoration: underline;\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"http:\/\/www.kqzyfj.com\/click-7036188-10358667-1467906597000\" target=\"_blank\">eHealthinsurance.com<\/a><\/span><\/span> \u4e0e\u653f\u5e9c\u533b\u7597\u4fdd\u9669\u5e02\u573a\u5408\u4f5c\uff0c\u7f8e\u56fd\u672c\u571f\u5c45\u6c11\u53ef\u4ee5\u5728\u8be5\u7f51\u7ad9\u7533\u8bf7\u7b26\u5408\u5e73\u4ef7\u533b\u7597\u6cd5\u6807\u51c6\u7684\u533b\u7597\u4fdd\u9669\u3002\u7b26\u5408\u6761\u4ef6\u7684\u516c\u6c11\u548c\u79fb\u6c11\u53ef\u5728\u8fd9\u91cc\u8d2d\u4e70\u4fdd\u9669\u5e76\u7533\u8bf7\u653f\u5e9c\u533b\u7597\u4fdd\u9669\u8865\u52a9\u3002<\/p>\n<p>\u6839\u636e\u7f8e\u56fd\u653f\u5e9c\u7684\u89c4\u5b9a\uff0c\u7f8e\u56fd\u5c45\u6c11\u9700\u5728\u4fdd\u9669\u5e02\u573a\uff08Healthcare Marketplace\uff09\u7684\u5f00\u653e\u7533\u8bf7\u671f\uff082016\u5e7411\u67081 \u65e5\uff5e2017\u5e741\u670831\u65e5\uff09\u7533\u8bf72017\u5e74\u7684\u533b\u7597\u4fdd\u9669\u3002\u8fc7\u4e86\u5f00\u653e\u7533\u8bf7\u671f\u540e\uff0c\u5982\u679c\u53d1\u751f\u7ecf\u8fc7\u7279\u6b8a\u6279\u51c6\u7684\u751f\u6d3b\u53d8\u8fc1\u4e8b\u4ef6\uff0c\u5982\u7ed3\u5a5a\uff0f\u79bb\u5a5a\u3001\u65b0\u751f\u513f\u51fa\u751f\u3001\u5de5\u4f5c\u53d8\u52a8\u5931\u53bb\u4fdd\u9669\u3001\u642c\u8fc1\u5230\u65b0\u7684\u5730\u533a\u7b49\u7b49\uff0c\u53ef\u4ee5\u7533\u8bf7\u4fdd\u9669\u3002<\/p>\n<p><a href=\"http:\/\/www.anrdoezrs.net\/click-7036188-12097885-1467906597000\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1960\" src=\"http:\/\/yibababa.com\/wp-content\/uploads\/2016\/12\/1-1.jpg\" alt=\"1\" width=\"250\" height=\"250\" \/><\/a><\/p>\n<p><span style=\"text-decoration: underline;\"><span style=\"color: #0000ff; text-decoration: underline;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"http:\/\/www.kqzyfj.com\/click-7036188-10358667-1467906597000\" target=\"_blank\">eHealthInsurance.com<\/a><\/span><\/span> \u662f\u7f8e\u56fd\u6700\u5927\u7684\u4e00\u5bb6\u79c1\u4eba\u533b\u7597\u4fdd\u9669\u7f51\u7ad9\uff0c\u80fd\u591f\u9500\u552e\u5168\u7f8e\u5883\u5185\u8fd1200\u5bb6\u4fdd\u9669\u516c\u53f8\u7684\u6570\u5343\u79cd\u533b\u7597\u4fdd\u9669\u4ea7\u54c1\uff0c\u5305\u62ecAetna\uff0cBlue Cross Blue Shield\uff0cKaiser Permanente\uff0cCigna\u7b49\u3002 \u60a8\u53ef\u4ee5\u4f7f\u7528\u5176\u5148\u8fdb\u7684\u81ea\u52a8\u62a5\u4ef7\u8f6f\u4ef6\u627e\u5230\u6700\u4fbf\u5b9c\u7684\u4fdd\u9669\u4ea7\u54c1\uff0c\u6574\u4e2a\u8fc7\u7a0b\u53ea\u9700\u51e0\u5206\u949f\u65f6\u95f4\u3002 eHealthInsurance \u4e0e\u7f8e\u56fd\u653f\u5e9c\u5408\u4f5c\uff0c\u60a8\u53ef\u5728\u6b64\u7533\u8bf7 Obamacare \u533b\u7597\u4fdd\u9669\u548c\u653f\u5e9c\u533b\u7597\u4fdd\u9669\u8865\u52a9\u3002\u8fd9\u91cc\u7684\u8ba1\u7b97\u5668\u53ef\u5e2e\u60a8\u4f30\u7b97\u4fdd\u9669\u8865\u8d34\u3002 eHealthInsurance \u4e3b\u8981\u7684\u4fdd\u9669\u54c1\u79cd\u5305\u62ec<strong>\u4e2a\u4eba\u548c\u5bb6\u5ead\u533b\u7597\u4fdd\u9669\u3001\u5b66\u751f\u533b\u7597\u4fdd\u9669\u3001\u5c0f\u4f01\u4e1a\u96c6\u4f53\u533b\u7597\u4fdd\u9669\u3001\u77ed\u671f\u533b\u7597\u4fdd\u9669\u3001\u7259\u79d1\u4fdd\u9669\u3001\u89c6\u529b\u4fdd\u9669\u3001\u8001\u5e74\u4ebaMedicare\u4fdd\u9669<\/strong>\u7b49\u3002<\/p>\n<p><a href=\"http:\/\/www.kqzyfj.com\/click-7036188-10393590-1467906597000\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1961\" src=\"http:\/\/yibababa.com\/wp-content\/uploads\/2016\/12\/1.png\" alt=\"1\" width=\"606\" height=\"249\" \/><\/a><\/p>\n<p>\u5965\u5df4\u9a6c\u5065\u4fdd\u4fdd\u9669\u8ba1\u5212\u592a\u8d35\uff1f\u9700\u8981\u77ed\u671f\u533b\u7597\u4fdd\u9669\uff1f\u9700\u8981\u81ea\u884c\u8d2d\u4e70\u7259\u79d1\u4fdd\u9669\uff1f<span style=\"text-decoration: underline;\"><span style=\"color: #0000ff;\"><a style=\"color: #0000ff; text-decoration: underline;\" href=\"http:\/\/www.kqzyfj.com\/click-7036188-10358667-1467906597000\" target=\"_blank\">eHealthInsurance.com<\/a><\/span><\/span>\u00a0\u662f\u4f60\u4e0d\u4e8c\u4e4b\u9009\u3002<\/p>\n<p style=\"text-align: center;\">\uff08<strong>\u626b\u63cf\u4e8c\u7ef4\u7801<span style=\"color: #0000ff;\">\u5206\u4eab<\/span><\/strong>\u6587\u7ae0\u5230<strong><span style=\"color: #0000ff;\">\u5fae\u4fe1<\/span><\/strong>\u6216<span style=\"color: #0000ff;\">QQ<strong>\u670b\u53cb\u5708<\/strong><\/span>\uff09<br \/>\n<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/chart.googleapis.com\/chart?cht=qr&amp;chs=150x150&amp;choe=UTF-8&amp;chld=L|4&amp;chl=http:\/\/yibababa.com\/archives\/1958\" alt=\"QR \u7801\" width=\"150\" height=\"150\" \/><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5728\u9009\u62e9\u7f8e\u56fd\u533b\u7597\u4fdd\u9669\u65f6\uff0c\u6211\u4eec\u90fd\u5e0c\u671b\u6311\u5230\u4ef7\u683c\u9002\u4e2d\u7684\u4ea7\u54c1\u3002\u662f\u4e0d\u662f\u4fdd\u9669\u8d39\uff08premium &hellip; <a href=\"https:\/\/yibababa.com\/article\/archives\/1958\">\u7ee7\u7eed\u9605\u8bfb <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1958","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts\/1958","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/comments?post=1958"}],"version-history":[{"count":0,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/posts\/1958\/revisions"}],"wp:attachment":[{"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/media?parent=1958"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/categories?post=1958"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yibababa.com\/article\/wp-json\/wp\/v2\/tags?post=1958"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}