聯邦報喜 健保費較預期低得多

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http://udn.com/NEWS/WORLD/WOR6/8039053.shtml
聯邦報喜 健保費較預期低得多

【世界日報╱編譯中心／綜合華盛頓18日電】


2013.07.20 02:48 am

衛生福利部18日提出報告，預測消費者和小企業在各州新成立的線上健保交易所，將能用比預期水準低得多的費用買到健康保險。

健保交易所10月1日將開始受理投保，希望吸引多達700萬名無保族明年藉此獲得保險。這些健保計畫根據保險範圍，從保費最高的「白金級」，一直到保費最低的「銅級」。

新報告說，十個州和華盛頓特區的資料顯示，在這些市場，中等「銀級」健保明年最低的平均初步保費，將從每月預估的392元，降至321元，比政府和國會預算辦公室(CBO)去年估計的便宜18%。

在這份報告中，僅佛蒙特州的保費比CBO高，達到400元。新墨西哥州的保費最便宜，僅約226元。

衛生福利部說，無保族最多的洛杉磯，25歲年輕人保費最低的銀級計畫，如無政府補助，月費174元；如年所得不超過1萬7235元，每個月保費只需34元；高額醫療費保險，個人月費117元。

根據六個州的資料，員工不到50人的小企業，在這些交易所投保小團體保險，與沒有歐記健保的情況相比，購買同樣的保險，費用也可能便宜18%。

新報告說，消費者實際負擔的保費，可能比目前估計的更低。它指出，華盛頓特區、俄勒岡、羅德島等州已降低今春宣布的預期保費。不過，這些較低費率能否反映到全國各地，還不得而知，新報告也警告有些州實際保費可能接近早先的預測。

健保交易所是歐記健保的核心要項，預計將吸引最多人投保的銀級計畫的保費，更可能決定健保改革的成敗。

新報告說，它研究的十個州的預期保費，似乎低所得年輕人也能夠負擔。吸引年輕人投保對交易所和整個健保改革的成敗非常重要，因為健保系統需要這些保險成本較低的健康年輕人，彌補健康較差的中老年人的保險福利開支。
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美國人的收入是台灣的 2~3 倍，健保費是台灣人的 10~15倍…

[gary]

讚喔

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