Zeiruang ah Obamacare ka uar??

Hmundang kal a hau lo. Mit tha fak in khuadang hawi 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 ah cun 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 chawlehthelnak 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 hman tak ve ko men lai.

Asi ah, mi zapi caah teh? Ruah awk a tham 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 ah cun zeipoah tuah hramhram aa tlak ko, US chawlehthalnak fak piin 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 million renglo minung lak ah cun pakhat ka si ve caah kaa lunghmuih ngai. 2014 chung ah a caw liomi 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 fak piin a tuan ve ko nain health insurance hmanh amah tein a rak icawk kho bal lomi mi sawhsawh te ka si. Nain, ka lileng lo. Obama hruaimi cozah cazin ning ah cun 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 ei mi 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 hnu ah a rummi hmanh nih sifak zawnruahnak an ngei tawn lo cu mu. Anmah mirum tuk pawl he ka dirhmun aa dan tuk ruang ah si men lai, an huatmi Obamacare ka uar tuk hi. Asiloah, sifahnak phunkip tuar hnu ah bawithutdan 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 zong ah 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 hlei ah 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 lio ah US ngandamnak system remhnak ding caah tiin congress nih an rak ser i biaceihbawi zik zung nih phunghrampi he aa tlak ko an ti hnu ah 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 fak piin 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.Cu caah nan duh rilmal ah cun 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 hlan ah 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 deuhvak ruang ah aa cawk kho lomi, riantuannak caan tawi tuk rih ruang ah aa cawk kho lomi le damhharmi zawtnak ngeih ruang ah 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 tik ah thlawpbulnak he pehtlaiin 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 chung ah cun zeibantuk thil hna dah an itel?

Affordable Care Act cu cahmai 13000 khat a si caah a chung ah 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 chung ah 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 133% tang (133% 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 nak in phaisa lut tam deuhvak a van ngeimi minung pawl nih khan health insurance an i cawk kho thiamthiam lo. Zapi caah cun aman a fak tuk rumro ko. Langhtermi minung pawl nih health insurance an ngeih khawh ve nak ding ah 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 $45000 tang a ngeimi pumpak(minung pali innchungkhar caah cun $90000) kha an income tlawmtam ning hoih in insurance man pek bawmh an si____keimah pumpak zong, cozah nih tamlak te an ka bawmh ve caah kaa cawk khawh ve nak a si.

Mino nih kum 26 an si tiang, nu le pa insurance ihrawm khawh(Coverage for Young Adult) a si. Cu hlan ah 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 zeitihmanh in an i cawk kho ve lo. Cu tik ah 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 ibenhnak 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 damhharmi zawtnak a ngeimi minung tampi cu insurance company nih insurance an rak zuarh duh hna lo. Zarh chiar te, sii-bawi sin ah an kal lai i an ithlawpnak man a tam tuk lai timi cu a fiang tukmi a si cu mu. Cucaah, insurance company pawl nih insurance an zuarh duh hna lo. An zurh hna hmanh ah faak taktak in a man(premium) an hauh hna. "Man tampi in an cawkmi insurance policies zong cu chankhat chung ah hizat 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 ruang ah midang nak in insurance premium tam deuh in na la  kho loh i na 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 hlan in sii-bawi sin ah ngandamnak an i chekmi le nu hna nih hrinphihnak an tuahmi tibantuk cu aman piakhat 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 tuakin aman 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 cu mu. Sihmanhsehlaw, sii-bawi cheukhat nih tha tein mizaw zoh huaha loin voi tampi appointment pek i an sin kal fate, phaisa tampi laak an hmang ve. Mah cubantuk 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 aman 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.

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Ziah, 2010 ah ser cangmi upadi nganpi cu 2013 kum dih lai lawng ah 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, caantawi te chung ah 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 hmanhram thok ding a si caah a si. An remh hlei lo a si ah cun, hmaikum 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 fakmi ruang ah ngandamnak insurance ngeilo buin sizung a kal tik ah aa thlawpnak hman a fak tuk. Zankhat siizung riah man ah $3000-$10000 hrawng a tlangpi in a dih. Cu tluk in a fakmi thlawpbul man cu zapi nih mah tein iliam khawh a si lo. Cu tik ah 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, theih lo" in a tuahnak a si. A ngei kho dirhmun ah a dir ko nain a caw duh lomi cu phaisa in dantat hlei ah an zawt sual tik ah 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 itleih riangmang i USA phunghrampi he aa kalhmi upadi a si tiah soiselnak kuat ah an hman bik.)

Dantat ning dan cu:

1. Rian a tuan i a caw kho a si ko nain March 31, 2014 hlan ah 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 ah cun 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 naam ne? A si lem lo. Zapi nih cawk khawhnak ding in lam tampi a on ve. Pumpak cio nih kan herhning le kan tikhawh ning cio he aa tlak bikmi Plan kan cawk khawh cio nak ding 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 aman(premium) a niam deuh hlei ah siizung kal tepawl ah mah nih zal chung in liam chih haumi a tam deuh ve. Plan pakhat cio nih an cover(aamahkhanmi) vialte tlamtling tein van fianh ding ah 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 na thlawpbulnak ah na dihmi dihlak i zakhat ah sawmruk hrawnghrang a cover mi plan a si.

Silver Plan: Na dihmi dihlak i zakhat ah sawmsarih hrawng a cover mi plan a si.

Gold Plan: Na dihmi dihlak i zakhat ah sawmriat hrawnghrang a cover mi plan a si.

Platinum Plan: Na dihmi dihlak i zakhat ah sawmkua 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 aman 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 zakhat ah zakhat bak a cover lo tik ah health Insurance kaa ngeih zong ah siizung hna ka phanh ah cun kaa thlawpman 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" a tleihmi na si i zisung ah zarh khat na um. Na tlawpman a dihmi dihlak ah  $100000 a si i na insurance nih $70000(zakhat ah sawmsarih) an liam. Nangmah liam dingmi ah $ 30000 a tang. Sihmanhsehlaw, "Silver Plan" policies i Maximum Out-Of-Pocket expense cu $10000 a si. Cu tik ah, na liam dingmi cu $30000 si loin $10000 tu kha a si lai.

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Cawk lo ah le dantat ding a si fawn, khawika 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 phunli 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 cung ah 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 hlei ah 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 cate lawng ah website an tuah ve hna. Cubantuk, 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 nikhat ah suimillam 24, zarhkhat 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) zong ah va kal in sawh khawh a si.

4. Internet le phone nak in 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

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Obamacare cu ka uar bak. Zeitluk an sawi zong ah a poi ah ka chia lo. Ka caah a tha. Man deng tein ngamdamnak insurance a ka pek caah kaa lawm. Caanhman tein doctor sin ah ngandamnak ka check ngam cang lai i a herhmi ka-kuai-sii zong,a caan luan hlan ah kaa chun cang lai. Cu hlannak in ka ngan a dam deuh lai. Ka ngandam deuh ah cun ka chansau deuh lai. Ka chansau deuh ah cun ka dawtmi minung caah thiltha tam deuh ka tuah khawh lai. Vawlei zong ka tlum-al ter khawh deuh men.

Kemah pumpak ca lawng hlah, US ram ca zong ah 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!