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2021 tirakoobka deynta caafimaadka

Shirkadda

Daynta caafimaadku waa dhibaato ku soo koraysa Mareykanka, iyadoo dad badan oo Mareykan ah ay la soo deristay xasillooni darro dhaqaale iyo xitaa musalafnimo. Sida laga soo xigtay 2016 Kaiser Family Foundation iyo sahanka New York Times, in ka badan 1 ka mid ah 4tii qof ee Mareykan ah ayaa dhibaato ku qabay bixinta biil caafimaad oo dhowaan soo baxay. Markay deynta caafimaadku kacdo, taasi waxay u horseedi kartaa go'aanno dhaqaale oo adag, sida inaad u baahato inaad iska yareyso cuntada, dharka, ama waxyaabaha kale ee aasaasiga ah ee guriga.

In kasta oo dhacdooyinka lama filaanka ah sida joogitaanka cisbitaalku ay gacan weyn ka geystaan (The American Journal of Medicine ayaa sidaas werisay ku dhowaad kalabar dadka la kulmay musalafnimada caafimaad ayaa loogu magac daray biilasha isbitaalka oo ah kharashkooda ugu weyn) , laakiin qiimaha sare ee daryeelka caafimaad hubaal ma caawinayso. In la qaato hal tusaale , celceliska joogitaanka isbitaalka ee Mareykanka waxay ku kacaysaa $ 5,220 maalintii - marka loo eego kaliya $ 765 ee Australia. Guud ahaan, Mareykanka wuxuu $ 3.5 tirilyan ku bixiyaa daryeelka caafimaadka sanadkiiba .

Tirakoobyada soo socda ayaa gacan ka geysanaya iftiiminta baaxadda dhibaatada deynta caafimaadka ee Mareykanka

Xaqiiqda deynta caafimaadka

Dhibaatooyinka deynta caafimaad ayaa ku dhici kara qof kasta: Dhibaatadu waxay ka jirtaa kooxaha da'da iyo heerarka waxbarasho. Xitaa dadka loo tixgelin doono inay mas'uul ka yihiin xagga dhaqaalaha waxaa saameyn ku yeelan kara deynta caafimaadka. In kabadan kala bar dadka Mareykanka ee leh deynta caafimaadka ma lahan deyn kale oo ku qoran warbixinnada amaahda. Deynta caafimaadka keligood ayaa ku adkeyneysa shaqsiyaadkaan inay iibsadaan guryo ama ay ku helaan qiime wanaagsan kaarka deynta.

Celceliska da'da dadka mara musalafnimada caafimaad waa 44.9 sano. ( Joornaalka Daawada Mareykanka , 2009)
Dadka la kulma musalafnimo caafimaad, 46.3% way guursadeen. ( Joornaalka Daawada Mareykanka , 2009)
Dadka la kulma musalafnimo caafimaad, 60.3% waxay dhigteen kulleejo. ( Joornaalka Daawada Mareykanka , 2009)
Celceliska dakhliga qoyska bishii ee faylalka faylalka kiciya waa $ 2,586 / bishii. ( Joornaalka Daawada Mareykanka , 2009)
Qoysaska la kulma musalafnimada caafimaad, 20.1% waa qoysas milatari. ( Joornaalka Daawada Mareykanka , 2009)
Celceliska deynta qoysaska la kulma musalafnimada caafimaad waa $ 44,622. ( Joornaalka Daawada Mareykanka , 2009)
Qiyaastii 19.5% warbixinnada amaahda macaamiisha waxaa ku jira hal ama in ka badan uruurinta caafimaadka. (Xafiiska Ilaalinta Maaliyadeed ee Macaamilka, 2014)
Celceliska deynta caafimaad ee aan la bixin ee lagu duubay warbixinnada amaahda waa $ 579. (Xafiiska Ilaalinta Maaliyadeed ee Macaamilka, 2014)
22% macaamiisha leh deynta ururinta waxay leeyihiin kaliya deyn caafimaad. (Xafiiska Ilaalinta Maaliyadeed ee Macaamilka, 2014)
54% macaamiisha leh deynta caafimaad ma lahan deyn kale oo ku qoran warbixinnada amaahda. (Xafiiska Ilaalinta Maaliyadeed ee Macaamilka, 2014)

Qiimaha aadanaha ee deynta caafimaadka

Daynta caafimaadka - iyo cabsida deynta caafimaadka - waxay cawaaqib xumo ku reebtaa dadka Mareykanka ah. Mid ka mid ah arrimaha ugu waaweyn ayaa ah in deynta ay sababi karto dadka inay iska indhatiraan dhibaatooyinka caafimaad. Ku dhowaad saddexdii qof ee Mareykan ahba waxay yiraahdaan waxay la daaheen helitaanka daryeel sababtoo ah waxay ka walwalayeen qiimaha .

Goob kasta oo kale, markay dadku ka walwalaan bixinta wax badan oo adeeg ah, way ka adeegan karaan hareeraha. Laakiin dadka Mareykanka ah ee tan isku dayay ee adeegyada caafimaadka markasta nasiib badan ma lahan. Dadka waaweyn ee yiraahda waxay isku dayeen inay wax ka dukaameystaan, 69% waxay ugu yeeraan khibrada xoogaa adag ama aad u adag .

21% dadka qaangaarka ah ee da'doodu tahay 18-64 ma aysan soo marin baaritaan caafimaad ama daaweyn uu takhtarku kugula taliyay qiimaha. (Hay'adda Kaiser Family Foundation / New York Times , 2016)
32% dadka qaangaarka ah ee da'doodu tahay 18-64 ayaa dib u dhigay helitaanka daryeelka caafimaad ee ay ugu baahan yihiin qiimaha awgiis. (Hay'adda Kaiser Family Foundation / New York Times , 2016)
40% dadka qaangaarka ah ee da'doodu tahay 18-64 waxay ku tiirsan yihiin daaweynta guriga ama daawooyinka miiska laga iibsado halkii ay dhakhtar u tegi lahaayeen, kharashka dartiis. (Hay'adda Kaiser Family Foundation / New York Times , 2016)
34% dadka qaangaarka ah ee da'doodu tahay 18-64 waxay dhahaan dhakhtarkoodu weligood uma sharraxo kharashaadka ku baxa habraaca iyaga. (Hay'adda Kaiser Family Foundation / - New York Times, 2016)
Dadka qaangaarka ah ee sheegaya inay isku dayeen inay ka adeegtaan adeeg bixiyeyaal kala duwan si ay u helaan qiimaha ugu fiican ee adeegyada caafimaadka, 69% ayaa loogu yeeray khibrada xoogaa adag ama aad u adag. (Hay'adda Kaiser Family Foundation / New York Times , 2016)
Kuwa ka mid ah kuwa haysta dhibaatooyinka biilka caafimaadka, 44% waxay dhahaan dhibaatooyinkaasi saameyn weyn ayey ku yeesheen qoyskooda. (Hay'adda Kaiser Family Foundation / New York Times , 2016)
Kuwa ka mid ah kuwa leh dhibaatooyinka biilka caafimaadka, 29% waxay yiraahdaan dhibaatooyinka deynta caafimaadku waxay bilaabeen inay keenaan dhibaatooyin bixinta biilasha kale, ee aan caafimaadka ahayn. (Hay'adda Kaiser Family Foundation / New York Times , 2016)
62% ka mid ah kuwa leh dhibaatooyinka biilka caafimaadka ayaa sheegaya inay lahaayeen caymis caafimaad markii ay bilaabeen daaweynta. (Hay'adda Kaiser Family Foundation / New York Times , 2016)
Kuwa ka mid ah kuwa haysta dhibaatooyinka biilka caafimaadka ee lahaa caymiska, 26% waxay yiraahdaan sababta ay dhibaatada ugu qabaan bixinta ayaa ah sheegashadooda waa la diiday. (Hay'adda Kaiser Family Foundation / New York Times , 2016)

Ugu dambeyntiina, biilasha caafimaadku waxay shakhsiyaadka qaarkood uga tagi karaan ikhtiyaarro xaddidan oo looga fogaan karo musalifnimo. Ka mid ah dadka Mareykanka ah ee leh dhibaatooyinka biilka caafimaadka:

53% waxay dhahaan waxay la shaqeeyeen adeeg bixiyahooda qorshe lacag bixin ah.
37% waxay dhahaan waxay amaahdeen asxaabtooda ama reerkooda.
34% waxay yiraahdaan waxay kordhiyeen deynta kaarka deynta.
70% waxay yiraahdaan waxay yareeyeen qarashka ku baxa cuntada, dharka, ama waxyaabaha kale ee aasaasiga u ah guryaha.
41% waxay dhahaan waxay qaateen shaqo dheeri ah ama waxay shaqeeyeen saacado badan.
59% waxay dhahaan waxay isticmaaleen intabadan ama dhamaan keydkoodii.
35% waxay yiraahdeen ma awoodin inay bixiyaan waxyaabaha aasaasiga ah sida cuntada, kuleylka, ama guryaha.

Xigasho: Kaiser Family Foundation / New York Times, 2016

Qaar badan oo ka mid ah shirkadaha caafimaadka bilaaba, sida SingleCare, ayaa ka shaqeynaya sidii loo heli lahaa xalal cusub oo lagu yareeyo qarashka caafimaadka. Dadka Mareykanka ah ee ka faa'iideysanaya fursadahaan cusub ayaa laga yaabaa inay awood u yeeshaan inay ka celiyaan deynta caafimaadka inay ka baxdo xakamaynta.

Mareykanku oo bixinaya deynta caafimaadka

Deynta caafimaadku waxay abuuri kartaa arrimo dhaqaale oo socda sidoo kale. Ka mid ah dadka Mareykanka ee leh biilasha caafimaadka ee aruurinta:

15% waxay yiraahdaan waxay ku leeyihiin $ 10,000 ama ka badan.
33% waxay yiraahdaan sidoo kale waxay leeyihiin amaah arday.
17% ayaa sheegaya inay sidoo kale lacag ku leeyihiin amaah bixiye.
58% waxay yiraahdaan waxaa la soo xiriiray hay'ad aruurinta.

Xigasho: Kaiser Family Foundation / New York Times, 2016

Maxaa sababa deynta caafimaadka?

Kharashaad kasta oo caafimaad uma rogo deyn. Biilasha laftiisuna had iyo jeer ma aha dhibaatada keliya. Dadka jiran ama ay daryeelaan qof ay jecel yihiin ayaa laga yaabaa inay arkaan dakhligooda oo hoos u dhacaya waqtiga shaqada darteed. Dhab ahaan, in kabadan mid kamid ah toddobada musalifnimo ee caafimaad waxaa u sabab ah jirada ilmaha .

Sahanno, cilmi baarayaashu waxay ku ogaadeen dadka la macaamilaya deynta caafimaadka. Jawaabahan Mareykanku waxay muujinayaan xaaladaha dhaqaale iyo caafimaad ee ay u badan tahay inay u horseedaan culeys dhaqaale oo daran.

62.1% ka mid ah kuwa xaraystay musalafnimada ayaa lagu magacaabay biilal caafimaad ama luminta dakhliga sababo jirro ama daryeele ahaan sababta musalifnimadooda. ( Joornaalka Daawada Mareykanka , 2009)
14.6% ee musalafnimada caafimaad waxaa u sabab ahaa jirro cunug. ( Joornaalka Daawada Mareykanka , 2009)
Kuwa ka mid ah kuwa leh dhibaatooyinka biilka caafimaadka, 10% waxay dhahaan waxay lahaayeen biilal sida ugu hooseeya $ 500 ama ka yar. (Hay'adda Kaiser Family Foundation / New York Times , 2016)

Mid ka mid ah sahankii ugu dambeeyay wuxuu cadeeyay adeegyada caafimaad ee gaarka ah ee u horseeday deynta caafimaadka. Adeegyada la soo sheegay ee horseeday dhibaatooyinka biilasha caafimaadka natiijooyinka ka soo baxay waxaa ka mid ahaa:

Booqashada Dhakhtarka: 65%
Tijaabooyinka Baarista: 65%
Booqashooyinka Qolka Gurmadka 61%
Adeegyada bukaan socodka 49%
Kharashka Shaybaarka: 64%
Kharashka Dawada ee La Qoro: 52%
Daryeelka Guriga ee Daryeelka ama Daryeelka Muddada Dheer: 4%
Daryeelka Ilkaha: 41%
Daryeelka Caafimaadka Carruurta: 25%
Muddo Gaaban Isbitaalka Joogitaanka: 66%

Xigasho: Kaiser Family Foundation / New York Times, 2016

sida deynta caafimaadka ay ugu bilaabato dadka Mareykanka ah

Daraasad kale ayaa weydiisay su'aalo isku mid ah oo ku saabsan sababaha deynta caafimaadka.

48% dadka la kulmay musalafnimada caafimaad ayaa ku magacaabay biilasha isbitaalka inay yihiin qarashkooda ugu weyn. ( Joornaalka Daawada Mareykanka , 2009)
18.6% dadka la kulmay musalafnimada caafimaad ayaa ugu magacdaray dawooyinka dhakhtarku qoro inay yihiin kharashkooda ugu weyn. ( Joornaalka Daawada Mareykanka , 2009)
15.1% dadka la kulmay musalafnimada caafimaad ayaa ku magacaabay biilasha dhakhtarka inay yihiin kharashkooda ugu weyn. ( Joornaalka Daawada Mareykanka , 2009)
4.1% dadka la kulmay musalafnimada caafimaad waxay ku magacaabeen qarashyada ugu weyn. ( Joornaalka Daawada Mareykanka , 2009)
Kharashyada caafimaad ee jeebka laga bixiyo ayaa celcelis ahaan u dhigma $ 17,943 qoysaska caafimaad ahaan musalafay. ( Joornaalka Daawada Mareykanka , 2009)

Tirakoobka kharashka caafimaadka

Dhibaatada deynta caafimaadku waxay xiriir dhow la leedahay qarashka caafimaadka. Mareykanku wuxuu ku bixiyaa in kabadan wadamada la midka ah daryeelka caafimaadka, culeyska qarashkaan wuxuu yareeyaa guud ahaan dhaqaalaha Mareykanka, isagoo ubaahan lacago farabadan oo ka socda waaxda dowladda, kuwa gaarka loo leeyahay, iyo shaqsiyaadka.

Qaadashada kharashkan waxay ka dhigan tahay in dowladaha ay ku yaryihiin wax-barashada iyo horumarinta kaabayaasha dhaqaalaha. Waxay ka dhigan tahay in ganacsiyada ay ku yaryihiin cilmi baarista iyo horumarka. Waxay ka dhigan tahay in qoysaska Mareykanku ay ku yar yihiin qarashka ku baxa dharka iyo cuntada.

Culayskuna wuu sii kordhayaa. Ku Mareykanka hadda wuxuu ku bixiyaa in ka badan $ 10,000 qofkiiba daryeel caafimaad sanadkiiba , kor uga in ka yar $ 5,000 qofkiiba sanadkii sanadkii 2009 .

Mareykanka wuxuu $ 3.5 tirilyan ku bixiyaa daryeelka caafimaadka sanadkiiba. (Xogta Kharashka Caafimaadka Qaranka, 2017)
Mareykanka wuxuu ku bixiyaa $ 10,739 qofkiiba daryeelka caafimaadka sanadkiiba. (Xogta Kharashka Caafimaadka Qaranka, 2017)
Kharashka daryeelka caafimaad wuxuu ka kooban yahay 17.9% ee Waxsoosaarka Gudaha ee Mareykanka (GDP). (Xogta Kharashka Caafimaadka Qaranka, 2017)
Mareykanku waxay $ 1.18 tirilyan ku bixiyaan sanadkii caymiska caafimaadka gaarka ah. (Xogta Kharashka Caafimaadka Qaranka, 2017)
Mareykanku waxay ku qarashgareeyaan $ 365.5 bilyan sanadkii kharashyada caafimaad ee jeebkooda ka baxsan. (Xogta Kharashka Caafimaadka Qaranka, 2017)
Mareykanku wuxuu sanadkii kubixiyaa $ 1.14 trillion sanadkii kharashyada isbitaalka. (Xogta Kharashka Caafimaadka Qaranka, 2017)
Kharashka caymiska caafimaadka gaarka loo leeyahay waxay u dhigantaa 34% wadarta kharashka daryeelka caafimaadka Mareykanka. (Xogta Kharashka Caafimaadka Qaranka, 2017)
Kharashaadka ku baxa jeebabka jeebkiisa ayaa ah 10% wadarta kharashka daryeelka caafimaadka Mareykanka. (Xogta Kharashka Caafimaadka Qaranka, 2017)
Mareykanku wuxuu $ 694.3 bilyan ku bixiyaa sanadkii dhakhtarka iyo adeegyada caafimaad. (Xogta Kharashka Caafimaadka Qaranka, 2017)
Mareykanku wuxuu sanadkii ku bixiyaa $ 333.4 bilyan daawooyinka loo qoro. (Xogta Kharashka Caafimaadka Qaranka, 2017)
Qoysaska ayaa xisaabiya 28% wadarta kharashka daryeelka caafimaadka. (Xogta Kharashka Caafimaadka Qaranka, 2017)
Ganacsiyada gaarka loo leeyahay waxay xisaabtamaan 19.9% kharashka daryeelka caafimaadka. (Xogta Kharashka Caafimaadka Qaranka, 2017)
Celcelis ahaan, kharashka ku baxa daryeelka caafimaadka ee dadka Mareykanka ah ee jira 65 iyo wixii ka weyn waa $ 19,098 sanadkii. (Xogta Kharashka Caafimaadka Qaranka, 2014)
Celcelis ahaan, kharashka ku baxa daryeelka caafimaadka ee da'yarka Mareykanka ah (18-64) waa $ 7,153 sanadkii. (Xogta Kharashka Caafimaadka Qaranka, 2014)
Celcelis ahaan, kharashka ku baxa daryeelka caafimaadka ee ilmo Mareykan ah (0-18) waa $ 3,749 sanadkiiba. (Xogta Kharashka Caafimaadka Qaranka, 2014)
Celcelis ahaan, kharashka Mareykanka ee daryeelka caafimaadka dumarka waa $ 8,811 sanadkii. (Xogta Kharashka Caafimaadka Qaranka, 2014)
Celcelis ahaan, kharashka Mareykanka ee daryeelka caafimaadka ragga waa $ 7,272 sanadkii. (Xogta Kharashka Caafimaadka Qaranka, 2014)
Kharashka Medicare wuxuu xisaabiyaa 17.1% miisaaniyadda federaalka ee Mareykanka. (Aasaaska Daryeelka Caafimaadka California, 2019)
Kharashka Medicaid wuxuu xisaabiyaa 9.5% miisaaniyadda federaalka ee Mareykanka. (Aasaaska Daryeelka Caafimaadka California, 2019)

Qiimaha caymiska caafimaadka

Dadka badankood waxay ku tiirsan yihiin caymiska caafimaadka si ay u kabaan kharashyadooda caafimaad, laakiin kharashka caymiska ayaa sii kordhaya.

Celceliska lacagta laga jari karo waa $ 4,544. Tani macnaheedu waa bukaannada caymiska laga filayo inay bixiyaan ku dhowaad $ 5,000 jeebkooda ka hor inta uusan caymisku daboolayn wixii kharash caafimaad ah ama daawooyinka laguu qoray. (Kaiser Family Foundation, 2019)
Celceliska lacagta caymiska ayaa kordhay 4% shaqsiyaadka iyo 5% qoysaska sanadka 2019. Macnaha guud, mushaharka shaqaalaha ayaa kaliya kordhay 3.4% halka sicir bararka uu kordhay 2%. (Kaiser Family Foundation, 2019)

Sidee loo kharash gareeya kharashyada daryeelka caafimaadka?

Daraasad dhowaan la sameeyay ayaa qeexday waxa adeegyada caafimaad ay ku xisaabtamaan kharashka ugu badan ee caafimaadka Mareykanka. Dalka Mareykanka, halkan waxaa ku yaal kharashka sanadlaha ah ee lagu daaweynayo xaaladaha soo socda:

Daryeelka joogtada ah, Calaamadaha, iyo Calaamadaha: $ 289.9 bilyan
Cudurada Nidaamka Wareegga dhiigga: $ 259.2 bilyan
Cudurada Nidaamka Musqulaha: $ 219.8 bilyan
Cudurada Nidaamka Neefsashada: $ 176.5 bilyan
Cudurada Nidaamka Endocrine: $ 168.7 bilyan
Cudurada Nidaamka neerfayaasha: $ 159.5 bilyan
Cudurka Maskaxda: $ 109.6 bilyan
Daaweynta La Xiriirta Uurka: $ 50.5 bilyan

Xigasho: California Foundation Daryeelka Caafimaadka, 2019

33% kharashka caafimaadka Mareykanka wuxuu aadaa daryeelka isbitaalka. (Aasaaska Daryeelka Caafimaadka California, 2019)
20% kharashka caafimaadka ee Mareykanka wuxuu aadayaa dhakhtarka iyo adeegyada caafimaad. (Aasaaska Daryeelka Caafimaadka California, 2019)
10% ee kharashka caafimaadka Mareykanka wuxuu aadayaa daawooyinka loo qoro. (Aasaaska Daryeelka Caafimaadka California, 2019)

Ayaa bixinaya kharashyada caafimaadka ee Mareykanka?

Culeyska kharashaadka badan ee daawada Mareykanka waxaa si isku mid ah u qaada dowladaha, shaqsiyaadka, iyo ganacsatada. Sida laga soo xigtay Hay'adda Daryeelka Caafimaadka ee California (2019):

Dowladda federaalka waxay bixisaa 28% wadarta kharashyada caafimaadka Mareykanka. (Aasaaska Daryeelka Caafimaadka California, 2019)
Shakhsiyaadka iyo qoysaska waxay bixiyaan 28% wadarta kharashyada caafimaadka Mareykanka. (Aasaaska Daryeelka Caafimaadka California, 2019)
Ganacsiyada gaarka loo leeyahay waxay bixiyaan 20% wadarta kharashyada caafimaadka Mareykanka. (Aasaaska Daryeelka Caafimaadka California, 2019)
Gobolka iyo dawladaha hoose waxay bixiyaan 17% wadarta kharashyada caafimaadka Mareykanka. (Aasaaska Daryeelka Caafimaadka California, 2019)
Ururada kale ee gaarka loo leeyahay, sida kuwa aan macaash doonka ahayn, waxay bixiyaan 7% wadarta kharashyada caafimaadka Mareykanka. (Aasaaska Daryeelka Caafimaadka California, 2019)
Celcelis ahaan, 37% guud ahaan qarashka ku baxa caafimaadka qoysaska waxay aadaan kharashyada jeebka ka baxa. (Aasaaska Daryeelka Caafimaadka California, 2019)
Celcelis ahaan, 28% ee wadarta qarashka caafimaadka qoysku waxay aadayaan qaybtooda caymiska caafimaadka ee loo shaqeeyaha kafaalo qaado. (Aasaaska Daryeelka Caafimaadka California, 2019)
Celcelis ahaan, 17% wadarta qarashka caafimaadka qoysaska waxay aadaan dhanka taageerida Medicare iyadoo loo marayo canshuurta mushaarka. (Aasaaska Daryeelka Caafimaadka California, 2019)
Wadarta kharashka ku baxa caymiska caafimaadka gaarka ah ee Mareykanka waa $ 1.2 trillion. (Aasaaska Daryeelka Caafimaadka California, 2019)
45% wadarta lacagta ku baxday caymiska caafimaadka gaarka ah waxaa daboolaya ganacsato gaar loo leeyahay. (Aasaaska Daryeelka Caafimaadka California, 2019)
23% ee wadarta lacagta lagu kharash gareeyay caymiska caafimaadka gaarka loo leeyahay waxaa daboolay dowladda (inta badan, tabarrucyada loogu talagalay qorshooyinka caafimaadka ee ay shaqaaluhu kafaala qaadaan). (Aasaaska Daryeelka Caafimaadka California, 2019)
Wadarta kharashka ka bixitaanka jeebka ee qofkiiba ee Capita ayaa ka kacay $ 91 sanadii 1967 ilaa $ 1,124 sanadka 2017. (Hay'ada Daryeelka Caafimaadka California, 2019)

Daraasad dhowaan la sameeyay ayaa muujisay sida qarashku ugu faafo dadka Mareykanka ee da 'kala duwan leh:

Dadka Mareykanka ah ee jira 85 iyo wixii ka weyn: Xisaab 2% dadweynaha, iyo 8% kharashka daryeelka caafimaadka. Celcelis ahaan kharashka sanadlaha ah ee qof da 'kooxdan ah waa $ 32,411.
Dadka Mareykanka ah ee jira 65-84: Waxaa lagu xisaabinayaa 12% dadweynaha, iyo 26% kharashka daryeelka caafimaadka. Celcelis ahaan kharashka sanadlaha ah ee qof da 'kooxdan ah waa $ 16,872.
Dadka Mareykanka ah ee jira 45-64: Waxaa lagu xisaabinayaa 26% dadweynaha, iyo 33% kharashka daryeelka caafimaadka. Celcelis ahaan kharashka sanadlaha ah ee qof da 'kooxdan ah waa $ 9,513.
Dadka Mareykanka ah ee da'doodu tahay 19-44: Waxay xisaabtamaan 35% dadweynaha, iyo 21% kharashka daryeelka caafimaadka. Celcelis ahaan kharashka sanadlaha ah ee qof da 'kooxdan ah waa $ 4,458.
Dadka Mareykanka ah ee jira 18 iyo ka yar: Waxaa lagu xisaabinayaa 25% dadweynaha, iyo 12% kharashka daryeelka caafimaadka. Celcelis ahaan kharashka sanadlaha ah ee qof da 'kooxdan ah waa $ 3,352.

Xigasho: California Foundation Daryeelka Caafimaadka, 2019

Sidee kharashaadka daryeelka caafimaadka ee Mareykanka isbarbar dhigaan wadamada kale

Dadka Mareykanka ah waxaa laga yaabaa inay ku dhibtoonayaan heerar sare oo deyn caafimaad ah sababtoo ah, qayb ahaan, kharashka badan ee daryeelka ee Mareykanka .. Dadka ku nool waddamada leh kharashyada daryeelka caafimaad ee ugu hooseeya uma nugul yihiin deynta caafimaadka iyo musalafnimada.

Laakiin tani maahan sababtoo ah wax walba waa ka qaalisan yahay waddamada kharashkoodu yar yahay xagga caafimaadka. Baarayaasha ayaa cadeeyay wadamada leh heerar taajirnimo oo lamid ah tan Mareykanka waxayna ogaadeen in kharashaadka daryeelka caafimaad ee Mareykanka ay aad uga sareeyaan kala duwanaanshaha hantida.

Tusaale ahaan, wadarta kharashka caafimaadka ee qofkiiba wuxuu 84.8% ka sareeyaa Mareykanka marka loo eego Kanada . Tirakoobyada soo socdaa waxay muujinayaan intee in le'eg ayay Mareykanku ku bixiyaan hababka caafimaad ee caadiga ah marka loo eego shakhsiyaadka dalalka kale.

Immisa ayey Mareykanku ku bixinayaan sonkorta?

Celceliska kharashka joogitaanka cisbitaalka maalintii ee Maraykanka waa $ 5,220. Celcelis ahaan joogitaanka isbitaalka ee maalin walba Australiya waa $ 765. (Kaiser Family Foundation, 2018)
Celceliska kharashka qalliinka wadnaha ee Mareykanka waa $ 78,318. Celceliska kharashka qalliinka wadnaha ee UK waa $ 24,059. (Kaiser Family Foundation, 2018)
Dhakhaatiirta Mareykanka ayaa sameeya 322 qalliin qalliin 1,000kii dhalasho ee noolba. Celcelis ahaan dalalka la midka ah ee hodanka ahi waa 264 C-qaybood oo ka mid ah 1,000 dhalasho ee nool. (Kaiser Family Foundation, 2018)
Celceliska qiimaha dhalmada caadiga ah ee Mareykanka waa $ 10,808. Celceliska qiimaha dhalmada caadiga ah ee Australia waa $ 5,312. (Kaiser Family Foundation, 2018)
Celceliska qiimaha qalliinka qalliinka ee Mareykanka waa $ 16,106. Celceliska qiimaha qaybta C ee Australia waa $ 7,901. (Kaiser Family Foundation, 2018)
Celceliska qiimaha MRI ee Mareykanka waa $ 1,119. Celceliska qiimaha MRI ee Australia waa $ 215. (Kaiser Family Foundation, 2018)
Celceliska qiimaha qalliinka ee gudaha Mareykanka waa $ 15,930. Celceliska qiimaha qalliinka ee 'Boqortooyada Ingiriiska' waa $ 8,009. (Kaiser Family Foundation, 2018)
Celceliska qiimaha sinta misigta ee Mareykanka waa $ 29,067. Celceliska qiimaha beddelista sinta ee Boqortooyada Midowday waa $ 16,335. (Kaiser Family Foundation, 2018)
Celceliska qiimaha Humira, oo ah daawo loo isticmaalo daaweynta cudurka arthritis, ayaa qiyaastii 96% ka sarreeya Mareykanka marka loo eego Boqortooyada Ingiriiska. (Kaiser Family Foundation, 2018)
Celceliska qiimaha CT scan ee Mareykanka ($ 896) wuxuu siddeed jeer ka sarreeyaa Kanada ($ 97). (Kaiser Family Foundation, 2018)

Daraasad ku saabsan Arimaha Caafimaadka ee 2011 ayaa isbarbar dhig ku bixisay kharashaadka caafimaadka ee wadamada, waxayna ogaatay in qarashka ku baxa caafimaadka Mareykanka ee qofkiiba uu aad uga sareeyo kan wadamada la midka ah.

Kharashka caafimaadka Mareykanka ee qofkiiba waa:

141% ka sarreysa Boqortooyada Ingiriiska.
125% ayuu ka sarreeyaa Australia.
104% marka loo eego Faransiiska.
102% ayuu ka sarreeyaa Jarmalka.

Xigasho: Arimaha Caafimaadka, 2011

Natiijooyinka kale ee daraasadda ka mid ah:

30.8% ee kharashka caafimaad ee qofkiiba ee Maraykanka ayaa kujira daryeelka ambalaaska. Celceliska dakhliga sanadlaha ah ee takhtarka daryeelka aasaasiga ah ee Mareykanka waa $ 186,582. (Arimaha Caafimaadka, 2011)
Celcelis ahaan, dhakhtarka daryeelka aasaasiga ah ee Mareykanka wuxuu kasbadaa $ 61,478 sanadkii in kabadan dhakhtarka daryeelka aasaasiga ah ee Kanada. (Arimaha Caafimaadka, 2011)
Celceliska dakhliga sanadlaha ah ee dhakhtarka qalliinka lafaha ee Mareykanka waa $ 442,450. (Arimaha Caafimaadka, 2011)
Celcelis ahaan, dhakhtarka qalliinka lafaha ee Mareykanka wuxuu kasbadaa $ 233,816 sanadkii in kabadan dakhtarka qalliinka lafaha ee Kanada. (Arimaha Caafimaadka, 2011)

Kharashyada caafimaadku way sii kori doonaan

Kharashaadka sare ee caafimaadka waxaa sababa arrimo nidaamsan oo ka jira warshadaha daryeelka caafimaadka. Ilaa arrimahaas wax laga qabanayo, kharashaadka caafimaadku way sii kordhayaan.

Kharashka caafimaadka waxaa la saadaalinayaa inuu gaaro $ 6 tiriliyan sanadka 2027. (California Health Care Foundation, 2019)
Kharashka caafimaadka ayaa la filayaa inuu koro celcelis ahaan 5.5% sanadkiiba. (Aasaaska Daryeelka Caafimaadka California, 2019)
Kharashka caafimaadka waxaa la saadaalinayaa inuu gaaro 19.4% ee GDP marka la gaaro 2027. (Kaliforniya Daryeelka Caafimaadka California, 2019)
Kharashka caafimaadka ee loogu talagalay dadka ku jira Medicare wuxuu ahaa $ 12,347 sanadkii 2017 waxaana la filayaa inuu gaaro $ 19,546 sanadka 2027. (California Health Care Foundation, 2019)
Kharashka caafimaadka ee loogu talagalay dadka ku jira Medicaid wuxuu ahaa $ 8,013 sanadka 2017 waxaana la filayaa inuu gaaro $ 12,029 sanadka 2027. (Kaliforniya Daryeelka Caafimaadka California, 2019)
Kharashka caafimaadka ee loogu talagalay dadka qorshayaasha daryeelka caafimaad ee shaqaaluhu kafaalo qaado wuxuu ahaa $ 5,942 sanadka 2017, waxaana lafilayaa inuu gaaro $ 9,137 sanadka 2027. (California Health Care Foundation, 2019)
Kharashka caafimaadka ee loogu talagalay dadka qorshooyinka caafimaadka ayaa la filayaa inuu sare u kaco ku dhowaad 50% 10ka sano ee soo socda. (Aasaaska Daryeelka Caafimaadka California, 2019)

Waxaan ku dhiirigelinaynaa saxafiyiinta, cilmi baarayaasha, ardayda, iyo kuwa kaleba inay wadaagaan tirakoobyadan. Daynta caafimaadka, iyo kharashyada badan ee keena, waxay burburin karaan dhaqaalaha. Sida laga soo xigtay khubarada, kharashyada ayaa sii socon doona, taas oo u muujinaysa in badan oo Mareykan ah halista deynta. Dhamaanteen waxaan leenahay qayb aan ka ciyaarno muujinta halista arintan.