Intshuwalense yezempilo yinto ebalulekileyo yoshishino, olukhulu okanye elincinci. Intshurensi yempilo exhaswe ngumqeshi iyisisityebi esibalulekileyo ekuqeshweni kwabasebenzi nokugcinwa kunye nokubonelela ngenjongo yokhuseleko kunye nomnatha wokhuseleko kubaqeshwa ukuba bafanele bagula. Enye yeenzuzo ze-ACA kukuba yenze enye indlela yabasebenzi bamashishini amancinci ukuthenga i-inshurensi yezempilo engabizi.
Ngaphandle kweenzuzo ezenziwe yi-Care Affordable Act (ACA), amaninzi amashishini amancinci akakwazi ukufumana umgangatho wempilo yomshuwalense wokunakekelwa kwempilo kubasebenzi bawo. Kubantu abaninzi kumashishini ekutyela, nangona umqeshi wabo unikela ngomshuwalense wezempilo, abaninzi abangabhalisi ngenxa yokuba iiprimishina zenyanga ziphezulu kakhulu, okanye ukubandakanywa kubandakanya ukuchithwa okukhulu. Nangona kukho isidingo esibonakalisiweyo sokunakekelwa kwempilo kwendalo yonke, iUnited States iyaqhubeka igxotha emva kwayo yonke into eyenziwa yimihlaba. Ukufikeleleka kwinshuwalense yezempilo efikelelekayo kuyinkinga enzima, kungekho mpendulo ecacileyo. Indima yoshishini lokutyela kwindawo yokunakekelwa kwempilo iyacaca nokuba kunjalo; kufuneka ukuba uthathe indima ebalulekileyo ekudaleni inkqubo efikelelekayo kubo bonke abasebenzi bezonstri, kungakhathaliseki ukuba basebenzela inkampani enkulu okanye isakhiwo esizimeleyo.
Ukutya kunye noMthetho ononophelo loNonophelo
Iipesenti ezingama-4 ze-GDP zenziwa yoshishini lokutya.
Kodwa nangona kungaphezulu kwama-799bhiliyoni ekuthengiseni, iivenkile azikho imodeli yoshishino ephezulu. Kulo lonke idola elitholayo kwivenkile yokudlela, ama-71 eentente abuyele ngaphandle - ngendlela yemvuzo, i-inshorensi, indleko zokutya, ukuthengisa, ukugcinwa, uluhlu luqhubeka nokuqhubeka. Iimali zengeniso ze-Slim azishiyi indawo eninzi kwibhajethi yezinto ezininzi ezinokubheka njengento engabalulekanga njengexesha eligulayo elihlawulelwayo, inzuzo yomhlala-phantsi okanye i-inshurensi yezempilo.
Amaqela adlulisela amaqela afana namaZiko okuTyela amaZiko okuThengisa athi i-shishini ibaluleke kwaye inkulu njengoko i-American Restaurants kufuneka ithathe inxaxheba kwisisombululo kwiinkathazo zempilo zangoku. Ngokuya kwiwebhusayithi yabo "... phantse abasebenzi aba-9 kwabasematishi aba-10 abangabikho abagulayo (iintsuku ezingama-87.7) kunye ne-inshurensi yempilo evela kumqeshi wabo (iipesenti ezingama-89.7). Ngenxa yesibalo sokuba abasebenzi abanakho ukuzinyamekela okanye bahlale ekhaya xa begula, iibini kwisithathu kwabasebenzi bokutyela (iipesenti ezingama-63.6) basebenzayo abagulayo, bengabalulekanga ukuba baqeshwe ngabasebenzi kunye nabasemngciphekweni. i-inshurensi yempilo efikelelekayo kwaye ukufikelela ekunyamekelweni okunyanzelekayo kwabasebenzi bokutyela kubaluleke kakhulu ukuba bangaqhubeki.
UMthetho woNonophelo oNgenakunqwenelekayo ufuna ukuba onke amashishini anabasebenzi abangaphezulu kwama-50 anikele uhlobo lwe-inshuwalense yezempilo. Iindawo zokutyela ezincinci nakwizinga eliphezulu zikhululekile ngenxa yokuba zinabasebenzi abancinane kakhulu. Kwiindawo ezininzi zokungcebeleka kunye nabasebenzi, ukuhamba kwe-ACA kwakungowokuqala ukuba banokufikelela kwiinkonzo zempilo ezifikelelekayo kwimisebenzi yabo yonke. I-ROC ilinganisela ukuba abasebenzi abali-10 basebevenkile bahlanganiswa phantsi kwe-ACA okanye iMedicaid. I-ACA ayikho i-bill epheleleyo, kodwa yayiyindlela efanelekileyo ekuqinisekiseni ukuba bonke abantu baseMerika banokufikelela kunonophelo olufanelekileyo, kungekhona nje abo basebenzela amabhizinisi amakhulu kunye namashishini.
Esikhundleni sokugatya ukungenelela kombutho we-inshorensi yempilo okanye ezinye iinzame zokwenza uncedo lwempilo lufikeleleke, abanini bezonstanti bangaqala ukufuna izinto ezinokuthi zifumaneke kwiinkampani ze-inshorensi. Bangakwazi ukubambelela iCongress kunye nabameli babo belizwe - kungekhona kwimimiselo yeshishini elincinci, kodwa ngeendlela ezinokulinganayo xa kuziwa kwiinkonzo zempilo. Iindawo zokutyela ziyi-American dream-ithuba lokuqalisa ishishini lakho nokwakha into ekuqalekeni. Intshuwalense yezempilo kufuneka ithathelwe ingqalelo njengenxalenye yezibonelelo zethu zoqoqosho, kungekhona njengenkqubo yokufaneleka.
Nangona ishishini lokutyela liqesha abantu abangaphezu kwezigidi ezili-14, linalo inani elingabalulekanga labasebenzi abangaphantsi okanye abangagqithwanga. Oku kuyingxenye kukuba imboni yenziwe ngamanqaku ahlukeneyo kumashishini, ukusuka kwiintambo zeetyunithi ezifana noMcDonald's, kwiindawo zokudlela ezincinci ezizimeleyo ezinabasebenzi abangaphantsi kwe-10.
Izwi elivakalayo elivela kwishishini lokutyela akungathandabuzeki ukuba iNational Restaurant Association (ngezinye izihlandlo ebizwa ngokuba yi-NRA) ibe ngumdlali wecala le-ACA. Eyona nto ibonisa intsingiselo yamaketanga amakhulu kumashishini amancinci nabasebenzi ngabanye, i-NRA ingenzi nto yokufumana izicombululo zangempela kwiinkathazo zonyango ezichaphazela abasebenzi base-United States-abaninzi babo abafazi kunye nabafuduki. Ngokuqhubeka nokucwangcisa abasebenzi babo, ishishini lokutyela liza kuqhubekisela phambili iingxaki eziza nokungabikho kokunyamekela kwezempilo. Esikhundleni sokuzama ukumbamba ukutshintsha kweentlalo kunye nenkqubela phambili yentlalo, abanikazi bokutyela, bobabini abakhulu nabancinci, banokuhlangana ukuze bafumane izisombululo ezisebenzela wonke umntu.
Izinzuzo ze-Intshurensi yezeMpilo yabasebenzi be-Restaurant
Ngenye yezinga eliphezulu kakhulu lokuthengiswa kweyiphi na imboni, iindleko zeemeko zokusebenza ezimbi ziza kuqhubeka zinefuthe elibi kwiivenkile . Emva kwakho konke, abanini abanakulindela ukugcina italente elungileyo ngaphandle kokunika uhlobo oluthile lokhuseleko. Enye yeenzuzo ezicacileyo zokunikezela ngempilo yomshuwalense yonyango kukuba abasebenzi banokufikelela ekunyamekelweni. Ukuba ukukhwehlela okuqhubekayo akuyi kuba ngumpumoniya; ukuba isangqa esingaqhelekanga sinokukhangela umdlavuza, uxinzelelo lwegazi oluphezulu lungaphathwa ngaphambi kokuba lubangele ukuhlaselwa intliziyo okanye ngakumbi. Ngenxa yokuba ishishini lokutyela liye lenziwa ngabanye balapho abaxhatshazwayo kunye nabasengozini, ukufikelela kwe-inshorensi yempilo kuye kwagqitywa kakhulu kwaye ingabalulekanga. Imibutho efana ne-NRA cinezela imimiselo engaphantsi, kodwa inikele ngcebiso encinane malunga nendlela yokwenza i-inshurensi yezempilo efikelelekayo kubo bonke abasebenzi.
Mhlawumbi lixesha lokutshintsha indlela abanikazi bokutyela bacinga ngomshuwalense wezempilo. Kuthiwani ukuba endaweni yokubona i-inshorensi yempilo njengento yokukhetha, abanikazi beevenkile abaninzi bakha iindleko ze-inshurensi kwisicwangciso soshishino sabo, kunye ne-inshorensi yokungasebenzi, iimali zeelayisensi kunye nezinye iimfuno? Kuthekani ukuba abanikazi beevenkile bayeka ukujonga ukungena kwe-inshorensi njengenkqubo yokufaneleka kwaye endaweni yoko kuyimfuneko ebalulekileyo kwezoqoqosho zabo? Abasebenzi abaphilileyo bavelisa ngakumbi kwaye banomvuzo omncinci. Oku kuthetha ivenkile ekwazi ukunika ukwaneliseka kwamakhasimende angaphezulu, okwenzekayo kwandisa inzuzo. Kuqikelelwa ukuba ezintathu zokutya ezilitshiweyo ziphantse kwiminyaka emithathu yokuqala. Intlawulo ephezulu kwishishini elitsha ligalela kule nkalo. Kunzima ngokwaneleyo ukuseka udumo oluhle kuloo minyaka yokuqala, ngaphandle kokukhathazeka malunga nokuqeshelwa kunye nokuqeqesha abasebenzi rhoqo. Ukubonelela ngenzuzo njengempilo yomshuwalense okanye ukukhuthaza isicwangciso senqwelo-mali solawulo lwabasebenzi bonke, kuthetha izinto ezincinci umqeshi omtsha kufuneka akhathazeke.
Ingxaki yeNgxowa-mali yokuTyela
Umvuzo wonyaka we-45,000 weemali uthathwa njengesicatshulwa sokuba amaninzi aseMerika athenge i-inshorensi yezempilo. Ukuba benza okungaphantsi kwelo, abayithengi i-coverage ngoba idla ibhajethi enkulu yendlu yabo. Ukuqwalasela ukuba umncedisi wesilinganiso e-United States wenza i-$ 8.90 ngeyure, akumangalisi ukuba nangona xa kunikwa i-inshurensi yempilo exhaswe ngumqeshi, abayisebenzisi. Ingxaki kunye nenkqubo ekhoyo njengamanje esekwe yi-ACA kukuba abaqeshi kufuneka banikele uhlobo lwesicwangciso. Kwaye izicwangciso ezinokukwazi ukuzenza zizithintelo eziphezulu, oku kuthetha ukuba abasebenzi abangaphantsi kwemvuzo basenokungakwazi ukutyelela ugqirha xa begula. Yimodeli apho kungekho mntu uzuza khona.
I-Trump Ukunyamekela kwezeMpilo kunye noTywala
Utshintsho olucetywayo kwi-ACA yiCandelo lolawulo lweTrump alinakuncedo ekuncedeni imboni yokutya kunye nabasebenzi bayo. Ibuyisela kwakhona imfuneko yamashishini amancinci ukuya kumgangatho ophakathi ukubonelela nge-inshurensi, oko kungenokuba yinto entle kuba ezininzi iinketho ziyingozi, ezicwangcisiweyo ezicwangcisiweyo eziphezulu kakhulu kubaqeshwa bezonstall. Ngoko kubanikazi bokutyela, ukubuyela kwimimiselo kusemgangathweni, ukukhutshwa kwexeshana kwimiba enkulu. Akukwanelanga ukujongana nomcimbi omkhulu wokufikelela kwi-inshurensi yempilo kwizigidi zabasebenzi abaphantsi-mali baseUnited States. I-bill ye-GOP entsha yonyango yezempilo ayinanto yokulawula amanani e-inshorensi okanye inikezele ngokubanzi uluntu kubantu abasengozini.
Iindleko zeNtshurensi
Ingakanani iindleko ezingavunyelwanga eMelika? Abasebenzi be-Restaurant baphakathi kwabantu abasebenza nzima kunazo zonke e-United States. Basebenza iiyure ezinde kwiimeko ezingaphantsi kwe-stellar zokuhlawulwa encinci. Ngokuqhelekileyo umsebenzi osemthethweni kuphela onokufika abasuka kwamanye amazwe abangayifumana kwi-indasteri yokutya (ukucaphula kwi-NRA). Ngokuxhomekeke kwimeko, abasebenzi basevenkile bangafaneleka ukufumana iMedicaid okanye enye inkxaso-mali exhaswa nguRhulumente-ukunyusa indleko yonyango kumhlawuli werhafu. Sekunjalo, ii-CEO zeenkampani ezinjengeMcDonald zenza izigidi zeedola. Ukuba zonke iindawo zokudlela e-US zihlangene ndawonye ukuze zisebenzise amandla abo okuthenga, mhlawumbi zifumane isisombululo. Abathengi baninzi banxinwa ngokuxhaswa kwamashishini amakhulu ekunakekelwa kwempilo. Xa izikhulu ezinkulu zoshishino ezifana neWal-Mart kunye noMcdonalds zihlawula i-pittance kwaye zenqabile ukubonelela ngoncedo lwezempilo ngoncedo xa zihlawulela izigidi kwi-CEO yazo kunye nabanini-nxaxheba, kwaye abasebenzi babo baya kugula, ngumhlawuli-ntlawulo waseMelika ohlawula - ukunakekelwa kobubele kunye nokulawulwa kwezifo ezingapheliyo ezinokuthintelwa.
Ngethuba nje ukuba iimfuno zenkampani zilawulwa kwintetho ngokunyamekela kwezempilo yaseMelika, iya kugxila ekunciphiseni imimiselo yezoshishino, kunokuba kufumaneke ukufikelela okufikelelekayo kunonophelo lwempilo njengenxalenye ebalulekileyo yeziseko zophuhliso kwezoqoqosho. Abanikazi bamatyela abancinci nabasemaphandleni kufuneka baqale ukufuna iindlela ezingcono zokuzikhethela zona kunye nabasebenzi babo. Cinga ukuqesha umcuphi ophezulu kunye nokwazi ukumnika i-inshurensi yempilo yokhuphiswano? Cinga ukuba abasebenzi bakho banokukhusela i-ofisi yegqirha, beyazi ukuba abayi kubahlawula yonke imali yabo yokugcina imali? Oku kuya kutshintsha njani indawo yokusebenza? Yintoni eyobonakala ngathi kwindawo yokutyela?