Cov neeg Amelikas feem ntau tawm tsam los txiav txim siab seb qhov kev tuav pov hwm kho mob twg yuav txuag tau nyiaj.
Kev tshawb fawb ntawm yuav luag 24,000 tus neeg ua haujlwm ntawm lub tuam txhab loj Fortune 100 pom tias 61% ntawm lawv xaiv txoj kev npaj tsis raug rau lawv cov kev xav tau. Cov kws tshawb fawb ntawm Carnegie Mellon University uas tau ua txoj kev tshawb fawb kwv yees tias cov neeg ua haujlwm nruab nrab tuaj yeem txuag tau $ 372 toj xyoo los ntawm kev xaiv lwm txoj kev npaj.
"Feem ntau ntawm cov neeg ua haujlwm xaiv cov phiaj xwm uas kim dua, tsis hais txog kev saib xyuas kev noj qab haus huv ntau npaum li cas uas lawv tau siv rau xyoo tom ntej, thiab qhov nruab nrab, tus nqi ntawm cov kev xaiv no yog kwv yees li 2% ntawm cov nyiaj hli," Carnegie Mellon associate professional of economics Saurabh Bhargava, uas yog tus sau txoj kev tshawb no, hais rau CNBC.
Qhov no ua rau cov neeg Asmeskas raug nqi. Hauv 2018, ntau dua 8% ntawm cov neeg Asmeskas cov kev siv nyiaj hauv tsev tag nrho tau mus rau cov nqi kho mob. Qhov no sawv cev txog 37% nce txij li xyoo 2004, nce los ntawm 5.9% ntawm tag nrho cov kev siv nyiaj hauv tsev.
Plaub caug rau feem pua ntawm cov neeg Amelikas hais tias nws nyuaj rau lawv them cov nqi tawm hauv hnab tshos rau kev kho mob tsis tau them los ntawm lawv cov ntawv pov hwm, raws li kev tshawb fawb lub Kaum Hli 2021 los ntawm Kaiser Family Foundation.
"Nws zoo li tib neeg tsis muaj peev xwm ua kom lawv txoj kev noj qab haus huv zoo tshaj plaws vim tias lawv muaj teeb meem nkag siab txog kev txiav txim siab ib puag ncig," said Anya Samek, tus kws tshaj lij ntawm kev lag luam ntawm Rady School of Management ntawm University of California, San Diego.
Ib qho teeb meem loj hauv kev xaiv txoj kev npaj kho mob yog tib neeg tsis nkag siab txog cov tuam txhab tuav pov hwm lingo siv los tham txog txhua txoj kev npaj. Tsuas yog kwv yees li ntawm 1 ntawm 3 tus neeg tuaj yeem txheeb xyuas peb yam kev pov hwm kev noj qab haus huv tau raug: cov nqi them, cov nqi them thiab cov nqi txiav tawm, raws li Policygenius '2020 Health Insurance Literacy Survey.
Bhargava tau hais tias "Qhov kev tsis paub nyeem ntawv yooj yim no, kuv xav tias, ua rau muaj ntau yam teeb meem uas tib neeg tau nthuav tawm thaum lawv xaiv los ntawm txoj kev npaj," Bhargava hais.
Saib daim vis dis aus saum toj no kom paub tias yog vim li cas cov neeg Amelikas tawm tsam xaiv cov phiaj xwm nyiaj pov hwm uas muaj txiaj ntsig zoo tshaj plaws rau lawv thiab yuav ua li cas kom tsis txhob tso nyiaj rau ntawm rooj.
Kev Tshaj Tawm: NBCUniversal thiab Comcast Ventures yog cov tub ua lag luam hauv Acorns.
Tau qhov twg los: https://www.cnbc.com/2022/02/22/picking-best-health-insurance-plan.html