{"id":1847,"date":"2012-10-29T10:07:21","date_gmt":"2012-10-29T18:07:21","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=1847"},"modified":"2012-10-30T20:12:36","modified_gmt":"2012-10-31T04:12:36","slug":"open-enroll-health-ins1","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/open-enroll-health-ins1\/","title":{"rendered":"\u3042\u306a\u305f\u306e\u30bf\u30a4\u30d7\u5225\u5065\u5eb7\u4fdd\u967a\u306e\u9078\u3073\u65b9\u3000-\u3000\u30aa\u30fc\u30d7\u30f3\u30fb\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u5bfe\u7b56"},"content":{"rendered":"

\u30aa\u30fc\u30d7\u30f3\u30fb\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u306e\u5b63\u7bc0\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u3046\u3061\u306e\u5834\u5408\u306f\u30aa\u30fc\u30d7\u30f3\u30fb\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u3068\u3044\u3048\u3070\u4e3b\u4eba\u306e\u8077\u5834\u304b\u3089\u306e\u3082\u306e\u3002\u305d\u306e\u4e3b\u4eba\u3001\u4e00\u751f\u61f8\u547d\u50cd\u3044\u3066\u304f\u308c\u3066\u3044\u308b\u306e\u3067\u3042\u308a\u304c\u305f\u3044\u3053\u3068\u3067\u306f\u3042\u308a\u307e\u3059\u304c\u3001Benefit\u306a\u3069\u9762\u5012\u306a\u3053\u3068\u306f\u5927\u30ad\u30e9\u30a4\u3067\u3001HR\u304b\u3089\u30e1\u30fc\u30eb\u304c\u6765\u308b\u3068\u305f\u3060\u79c1\u306b\u305d\u306e\u307e\u307e\u30d5\u30a9\u30ef\u30fc\u30c9\u3059\u308b\u3060\u3051\u3002\u6700\u521d\u306e\u4f55\u5e74\u304b\u306f\u3001\u300c\u3042\u306a\u305f\u3082\u4e00\u7dd2\u306b\u8003\u3048\u3066\u3088\u300d\u306a\u3069\u3068\u6587\u53e5\u3092\u8a00\u3063\u3066\u3082\u307f\u307e\u3057\u305f\u304c\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u306a\u3053\u3068\u306f\u4e00\u5207\u8208\u5473\u304c\u306a\u3044\u3088\u3046\u3067\u30fb\u30fb\u30fb\u3002\u201dPersonal Finance for Dummies\u201d\u307f\u305f\u3044\u306a\u6559\u672c\u3092\u8cb7\u3063\u3066\u3042\u3052\u305f\u308a\uff08\u672c\u4eba\u306b\u306f\u8ff7\u60d1\u306a\u3053\u3068\u3067\u3057\u305f\u3067\u3057\u3087\u3046\u304c\uff09\u3001\u500b\u4eba\u7684\u306b\u6559\u3048\u3066\u3042\u3052\u305f\u308a\uff08\u3082\u3063\u3068\u8ff7\u60d1\u3060\u3063\u305f\u304b\u3082\u30fb\u30fb\uff09\u3057\u3066\u307f\u307e\u3057\u305f\u304c\u3001\u4eba\u9593\u3001\u597d\u304d\u306a\u3053\u3068\u3068\u30ad\u30e9\u30a4\u306a\u3053\u3068\u304c\u3042\u308b\u306e\u3067\u3057\u3087\u3046\u3002\u3069\uff5e\u3057\u3066\u3082\u30c0\u30e1<\/strong>\u3067\u3057\u305f\u3002<\/p>\n

\u3068\u3044\u3046\u3053\u3068\u3067\u3001\u672c\u5e74\u3082\u4f8b\u5e74\u3069\u304a\u308a\u3001\u308f\u305f\u3057\u306e\u5143\u306b\u30d5\u30a9\u30ef\u30fc\u30c9\u3055\u308c\u3066\u304d\u305f\u30aa\u30fc\u30d7\u30f3\u30fb\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u306e\u30e1\u30fc\u30eb\u30fb\u30fb\u30fb\u3002\u307f\u306a\u3055\u3093\u306e\u4e2d\u306b\u3082\u3001\u30aa\u30fc\u30d7\u30f3\u30fb\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u306b\u4eca\u304b\u3089\u53d6\u308a\u7d44\u3080\u3068\u3044\u3046\u65b9\u3082\u3044\u3089\u3063\u3057\u3083\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n

 <\/p>\n

\u5927\u304d\u306a\u5909\u5316\u306e\u306a\u30442012\u5e74<\/h2>\n

\u4eca\u5e74\u306f\u3042\u307e\u308a\u5927\u304d\u306a\u5909\u5316\u304c\u306a\u3044\u3088\u3046\u3067\u3059\u306d\u3002Healthcare FSA\uff08Flexible Spending Account\uff09\u3078\u5165\u91d1\u3067\u304d\u308b\u91d1\u984d\u304c$2,500\u306b\u6e1b\u984d\u3055\u308c\u305f\u3053\u3068\u304f\u3089\u3044\u3067\u3002\u4eca\u5e74\u306e\u30aa\u30fc\u30d7\u30f3\u30fb\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u306e\u5168\u56fd\u7684\u306a\u7279\u5fb4\u3092\u8abf\u3079\u3066\u307f\u307e\u3057\u305f\u3002\u3084\u3063\u3071\u308a\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u95a2\u9023\u304c\u30e1\u30a4\u30f3\u8981\u7d20\u306e\u3088\u3046\u3067\u3059\u3002<\/p>\n

1)\u3000\u6bd4\u3079\u3084\u3059\u3044\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3<\/strong>\uff1a\u30002010\u5e74\u306eHealth Reform\u306e\u304a\u304b\u3052\u3067\u3001\u96c7\u7528\u4e3b\u304c\u63d0\u4f9b\u3059\u308b\u5404\u7a2e\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u306e\u4e00\u89a7\u8868\u304c\u3064\u304f\u3089\u308c\u3001\u30b3\u30b9\u30c8\u3084\u30ab\u30d0\u30ec\u30c3\u30b8\u306a\u3069\u304c\u6bd4\u8f03\u3057\u3084\u3059\u304f\u306a\u3063\u3066\u3044\u308b\u3002<\/p>\n

2)\u3000\u30aa\u30d7\u30b7\u30e7\u30f3\u304c\u5897\u3048\u305f\u30d5\u30a1\u30df\u30ea\u30fc\u30fb\u30ab\u30d0\u30ec\u30c3\u30b8<\/strong>\uff1a\u3000individual\u3068\u304bfamily\u3068\u304b\u306e\u30ab\u30d0\u30ec\u30c3\u30b8\u306b\u52a0\u3048\u3001 employee plus spouse\u3001 employee plus children\u306a\u3069\u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u3082\u6d78\u900f\u3057\u3066\u304d\u305f\u3002\u672c\u4eba\u4ee5\u5916\u306e\u4fdd\u967a\u6599\u306b\u5bfe\u3057\u3066\u306f\u96c7\u7528\u4e3b\u306e\u8ca0\u62c5\u304c\u5c0f\u3055\u3044\u5834\u5408\u3082\u3042\u308a\u3001\u592b\u5a66\u4e8c\u4eba\u3067\u50cd\u3044\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u592b\u5a66\u306e\u3069\u3061\u3089\u306e\u4fdd\u967a\u3092\u4f7f\u3046\u304b\u3001\u5b50\u3069\u3082\u306f\u3069\u3061\u3089\u306e\u4fdd\u967a\u306b\u5165\u308c\u308b\u304b\u306a\u3069\u3001\u5bb6\u65cf\u5168\u4f53\u3068\u3057\u3066\u6709\u5229\u306a\u5229\u7528\u6cd5\u3092\u8003\u3048\u308b\u5fc5\u8981\u6027\u304c\u9ad8\u307e\u3063\u3066\u3044\u308b\u3002<\/p>\n

3)\u3000\u7e2e\u5c0f\u6c17\u5473\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af<\/strong>\uff1a\u3000\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u30fb\u30c9\u30af\u30bf\u30fc\u306f\u6bce\u5e74\u3001\u8ffd\u52a0\u30fb\u5909\u66f4\uff65\u524a\u9664\u3055\u308c\u308b\u306e\u304c\u3042\u305f\u308a\u307e\u3048\u3060\u304c\u3001\u4eca\u5e74\u306f\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u304c\u7e2e\u5c0f\u6c17\u5473\u3002\u201dpreferred\u201d\u3068\u3044\u3046\u8a00\u8449\u304c\u3064\u304f\u306e\u306f\u5e38\u5957\u624b\u6bb5\u3067\u3001\u6bd4\u8f03\u7684\u5c0f\u3055\u3044\u201dpreferred\u201d\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306b\u3068\u3069\u307e\u308b\u9650\u308a\u3001\u30b3\u30b9\u30c8\u304c\u6291\u3048\u3089\u308c\u308b\u3068\u3044\u3046\u3057\u304f\u307f\u304c\u6d78\u900f\u3002<\/p>\n

4)\u3000\u62e1\u5927\u3055\u308c\u305f\u5973\u6027\u5bfe\u8c61\u306e\u4e88\u9632\u30b1\u30a2<\/strong>\uff1a\u3000\u4e00\u5e74\u306b\u4e00\u5ea6\u306e\u5b9a\u671f\u5065\u8a3a\uff08\u5b50\u5bae\u304c\u3093\u30fb\u4e73\u304c\u3093\uff09\u304c\u3059\u3079\u3066\u306e\u30d7\u30e9\u30f3\u3067100\uff05\u30ab\u30d0\u30fc\u3055\u308c\u308b\u3002\u5973\u6027\u306e\u65b9\u3001\u304d\u3061\u3093\u3068\u691c\u8a3a\u53d7\u3051\u307e\u3057\u3087\u3046\uff01\u907f\u598a\u3082\u30ab\u30d0\u30fc\u3055\u308c\u307e\u3059\u3002<\/p>\n

 <\/p>\n

\u5927\u304d\u306a\u5909\u5316\u306e2013\u5e74<\/h2>\n

\u3053\u308c\u306b\u5bfe\u3057\u30012013\u5e74\u306b\u306f\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u3067\u3001\u5927\u304d\u306a\u5909\u5316\u3092\u4e88\u60f3\u3057\u3066\u3044\u308b\u96c7\u7528\u4e3b\u304c\u591a\u3044\u3088\u3046\u3067\u3059\u3002\u3069\u3046\u3084\u30892012\u5e74\u306f\u3001\u300c\u5927\u304d\u306a\u5909\u5316\u306e2013\u5e74\u300d\u3078\u306e\u30c8\u30e9\u30f3\u30b8\u30c3\u30b7\u30e7\u30f3\u306e\u5e74\u3068\u3044\u3046\u4f4d\u7f6e\u3065\u3051\u306e\u3088\u3046\u3067\u3059\u3002\u6765\u5e742013\u5e74\u306e\u30aa\u30fc\u30d7\u30f3\u30fb\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u3067\u306f\u3001<\/p>\n

1)\u3000\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u306e\u9078\u629e\u80a2\u304c\u5897\u3048\u308b\u30fb\u5909\u308f\u308b<\/p>\n

2)\u3000\u914d\u5076\u8005\/\u5b50\u3069\u3082\u306a\u3069\u5bb6\u65cf\u30ab\u30d0\u30ec\u30c3\u30b8\u304c\u5927\u5e45\u306b\u524a\u6e1b\u3055\u308c\u308b<\/p>\n

3)\u3000\u914d\u5076\u8005\u304c\u4ed6\u306e\u5065\u5eb7\u4fdd\u967a\u306b\u5165\u308c\u308b\u5834\u5408\uff08\u81ea\u5206\u306e\u96c7\u7528\u4e3b\u3092\u901a\u3057\u3066\uff09\u3001\u914d\u5076\u8005\u306e\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u306e\u9664\u5916\u3084\u4e0a\u4e57\u305b\u30b3\u30b9\u30c8\u306e\u5fb4\u53ce<\/p>\n

\u30fb\u30fb\u30fb\u306a\u3069\u3068\u3044\u3046\u5909\u5316\u304c\u4e88\u60f3\u3055\u308c\u3066\u3044\u308b\u305d\u3046\u3067\u3059\u3002<\/p>\n

 <\/p>\n

\u30fb\u30fb\u30fb\u3068\u3044\u3046\u3053\u3068\u306f\u3001\u6765\u5e74\u306f\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u306e\u6570\u304c\u5897\u3048\u308b\u3068\u3068\u3082\u306b\u3001\u914d\u5076\u8005\u3084\u5b50\u3069\u3082\u306e\u72b6\u6cc1\u304c\u30b3\u30b9\u30c8\u7684\u306b\u3082\u30ab\u30d0\u30ec\u30c3\u30b8\u7684\u306b\u3082\u53b3\u3057\u304f\u306a\u308b\u3001\u3064\u307e\u308a\u9078\u629e\u304c\u3055\u3089\u306b\u8907\u96d1\u306b\u306a\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3069\u306e\u5148\u751f\u306b\u8a3a\u3066\u3082\u3089\u3044\u305f\u3044\u304b\u3001\u5c02\u9580\u533b\u3092\u4f7f\u3046\u5fc5\u8981\u304c\u3042\u308b\u304b\u3001\u533b\u7642\u8cbb\u306e\u51fa\u8cbb\u306f\u3069\u3053\u307e\u3067\u306a\u3089\u7121\u7406\u306a\u304f\u5438\u53ce\u3067\u304d\u308b\u304b\u306a\u3069\u3001\u81ea\u5206\u305f\u3061\u306e\u30cb\u30fc\u30ba\u3068\u5bb6\u8a08\u3092\u628a\u63e1\u3057\u3066\u304a\u304f\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u306d\u3002\u4eca\u5e74\u306e\u30aa\u30fc\u30d7\u30f3\u30fb\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u306f\u3001\u5909\u5316\u306e\u5e742013\u5e74\u306b\u5411\u3051\u3066\u306e\u6e96\u5099\u5e74\u3068\u3057\u3066\u3001\u3044\u308d\u3044\u308d\u8003\u3048\u3092\u3081\u3050\u3089\u3059\u5e74\u306b\u3059\u308b\u3068\u3044\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n

 <\/p>\n

\u5065\u5eb7\u4fdd\u967a\u306e\u6bd4\u8f03\u30dd\u30a4\u30f3\u30c8\u3092\u30de\u30b9\u30bf\u30fc<\/h2>\n

\u3046\uff5e\u3001\u305f\u3060\u3067\u3055\u3048\u3082\u3046\u6df7\u4e71\u3057\u3066\u3044\u308b\u306e\u306b\u3001\u307e\u305f\u6765\u5e74\u8907\u96d1\u306b\u306a\u308b\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u3002\u982d\u3044\u305f\u3044\u3067\u3059\u306d\u3002\u3053\u30533\u5e74\u3067\u3001\u3044\u304f\u3064\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u3092\u5909\u3048\u3066\u4f55\u4eba\u9055\u3046\u5148\u751f\u306b\u8a3a\u3066\u3082\u3089\u3063\u305f\u308d\u3046\u30fb\u30fb\u306a\u3093\u304b\u3053\u306e\u5b89\u5b9a\u611f\u306e\u306a\u3055\u3001\u306a\u3093\u3068\u304b\u306a\u308a\u307e\u305b\u3093\u304b\u306d\u3048\u3002\u6700\u8fd1\u3001\u304a\u533b\u8005\u3055\u3093\u3082\u4fdd\u967a\u306e\u3053\u3068\u306f\u8a33\u304c\u308f\u304b\u3063\u3066\u306a\u3044\u307f\u305f\u3044\u3060\u3057\u3002\u3061\u3087\u3063\u3068\u6df7\u6c8c\u3068\u3057\u305f\u72b6\u614b\u306e\u3088\u3046\u306a\u6c17\u304c\u3057\u3066\u3044\u308b\u306e\u306f\u79c1\u3060\u3051\u3067\u3057\u3087\u3046\u304b\u30fb\u30fb\u30fb\u3000\u3067\u3082\u9078\u3070\u306d\u3070\u306a\u3089\u306a\u3044\u5065\u5eb7\u4fdd\u967a\u3002\u4eca\u56de\u306f\u30bf\u30a4\u30d7\u5225\u30fb\u5065\u5eb7\u4fdd\u967a\u306e\u9078\u3073\u65b9\u307f\u305f\u3044\u306a\u3082\u306e\u3092\u307e\u3068\u3081\u3066\u307f\u307e\u3057\u305f\u3002<\/p>\n

 <\/p>\n

\u7279\u5b9a\u306e\u304a\u533b\u8005\u3055\u3093\u3092\u9078\u3076\u3053\u3068\u304c\u5927\u5207\u3060\u3068\u3044\u3046\u4eba\u306b<\/strong><\/strong><\/h4>\n

\u73fe\u5728\u304b\u304b\u3063\u3066\u3044\u308b\u304a\u533b\u8005\u3055\u3093\u3092\u7d76\u5bfe\u30ad\u30fc\u30d7\u3057\u305f\u3044\u3001\u73fe\u5728\u75c5\u6c17\u3067\u8a3a\u5bdf\u3092\u53d7\u3051\u305f\u3044\u7279\u5b9a\u306e\u304a\u533b\u8005\u3055\u3093\u304c\u3042\u308b\u3001\u4f4f\u3093\u3067\u3044\u308b\u5730\u57df\u3067\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308bHMO\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306b\u306f\u30cb\u30fc\u30ba\u306b\u5408\u3063\u305f\u304a\u533b\u8005\u3055\u3093\u304c\u5c11\u306a\u3044\u30fb\u30fb\u306a\u3069\u306e\u7406\u7531\u3067\u3001\u304a\u533b\u8005\u3055\u3093\u3092\u30d5\u30ec\u30ad\u30b7\u30d6\u30eb\u306b\u9078\u3076\u3053\u3068\u304c\u4e00\u756a\u306e\u30ad\u30fc\u30fb\u30dd\u30a4\u30f3\u30c8\u3060\u3068\u3044\u3046\u4eba\u306f\u3001\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u306e\u30bf\u30a4\u30d7\u304b\u3089<\/strong>\u9078\u629e\u30d7\u30ed\u30bb\u30b9\u3092\u306f\u3058\u3081\u307e\u3059\u3002\u5f93\u6765\u306a\u304c\u3089\u306e\u30aa\u30fc\u30bd\u30c9\u30c3\u30af\u30b9\u306a\u9078\u3073\u65b9\u3067\u3059\u3002\u304a\u533b\u8005\u3055\u3093\u3092\u30d5\u30ec\u30ad\u30b7\u30d6\u30eb\u306b\u9078\u3073\u305f\u3044\u306a\u3089PPO\u304bPOS\u3001\u6c7a\u3081\u3089\u308c\u305f\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3067\u3044\u3044\u306a\u3089HMO\u306b\u3059\u308b\u3068\u3044\u3046\u6559\u79d1\u66f8\u3069\u304a\u308a\u306e\u9078\u3073\u65b9\u3002<\/p>\n

\u305f\u3060\u3057\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306b\u52a0\u5165\u3059\u308b\u304a\u533b\u8005\u3055\u3093\u3084\u75c5\u9662\u306f\u3001\u3054\u5b58\u77e5\u306e\u3068\u304a\u308a\u6848\u5916\u983b\u7e41\u306b\u5909\u308f\u308a\u307e\u3059\u3002\u30aa\u30fc\u30d7\u30f3\u30fb\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u306e\u3068\u304d\u306b\u5909\u66f4\u306b\u306a\u308b\u5834\u5408\u3082\u3042\u308c\u3070\u3001\u5e74\u306e\u9014\u4e2d\u3067\u3044\u304d\u306a\u308a\u300c\u3053\u306e\u304a\u533b\u8005\u306f\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u304b\u3089\u629c\u3051\u307e\u3057\u305f\u3002\u4ed6\u306e\u304a\u533b\u8005\u3055\u3093\u306b\u5909\u308f\u3063\u3066\u4e0b\u3055\u3044\u3002\u300d\u3068\u3044\u3046\u3088\u3046\u306a\u901a\u77e5\u304c\u304f\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u3072\u3068\u308a\u306e\u304a\u533b\u8005\u3055\u3093\u304c\u5c5e\u3059\u308b\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306f\u3072\u3068\u3064\u3067\u306f\u306a\u304f\u3066\u3001\u8907\u6570\u3067\u3042\u308b\u306e\u304c\u5e38\u3067\u3059\u3002\u3069\u3046\u3057\u3066\u3082\u3053\u306e\u304a\u533b\u8005\u3055\u3093\u304c\u3044\u3044\u30fb\u30fb\u3068\u3044\u3046\u8981\u671b\u304c\u3042\u308b\u306a\u3089\u3001\u305d\u306e\u304a\u533b\u8005\u3055\u3093\u81ea\u8eab\u306b\u3001\u5c5e\u3057\u3066\u3044\u308b\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3084\u5c06\u6765\u7684\u8a08\u753b\u306a\u3069\u805e\u3044\u3066\u307f\u308b\u306e\u304c\u3044\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n

\u3072\u3068\u3064\u6ce8\u610f\u70b9\u3002\u3002\u300c\u30d5\u30ec\u30ad\u30b7\u30d6\u30eb\u300d\u306b\u9078\u3079\u308b\u3068\u3044\u3046\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u306e\u88cf\u306b\u306f\u3001\u300c\u75c5\u9662\u3084\u304a\u533b\u8005\u3055\u3093\u9078\u3073\u306f\u81ea\u5206\u306e\u8cac\u4efb\u300d\u3068\u3044\u3046\u30b3\u30b9\u30c8\u3082\u3042\u308a\u307e\u3059\u3002\uff28\uff2d\uff2f\u306a\u3089\u3001\u57fa\u672c\u7684\u306b\uff30\uff23\uff30\u304c\u3059\u3079\u3066\u306e\u533b\u7642\u884c\u70ba\u3092\u30b3\u30fc\u30c7\u30a3\u30cd\u30fc\u30c8\u3057\u3066\u304f\u308b\u306f\u305a\u3067\u3001\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u5185\u306e\u30ea\u30bd\u30fc\u30b9\u3092\u4f7f\u3046\u3088\u3046\u8a08\u753b\u3057\u3066\u304f\u308c\u307e\u3059\uff08\u88cf\u8fd4\u305b\u3070\u3001\u60a3\u8005\u5074\u306b\u300c\u30d5\u30ec\u30ad\u30b7\u30d3\u30ea\u30c6\u30a3\u300d\u304c\u306a\u3044\u3068\u3044\u3046\u30b3\u30b9\u30c8\u306b\u306a\u308a\u307e\u3059\u304c\uff09\u3002HMO\u3067\u3042\u308c\u3070\u3001\u77e5\u3089\u306a\u3044\u3046\u3061\u306b\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306e\u5916\u306b\u51fa\u3066\u3057\u307e\u3044\u591a\u984d\u306e\u8acb\u6c42\u3092\u3055\u308c\u308b\u3068\u3044\u3046\u78ba\u7387\u306f\u3001\u30bc\u30ed\u3067\u306a\u3044\u306b\u3057\u308d\u4f4e\u3044\u3067\u3057\u3087\u3046\u3002\u4e00\u65b9\u3001\u300c\u30d5\u30ec\u30ad\u30b7\u30d3\u30ea\u30c6\u30a3\u300d\u306e\u3042\u308b\uff30\uff30\uff2f\u3084\uff30\uff2f\uff33\u306e\u5834\u5408\u306f\u3001\u305d\u306e\u3042\u305f\u308a\u306e\u541f\u5473\u30fb\u8a08\u753b\u30fb\u78ba\u8a8d\u306e\u3088\u308a\u5927\u304d\u306a\u90e8\u5206\u3092\u60a3\u8005\u304c\u3072\u304d\u3046\u3051\u308b<\/a>\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3068\u30b3\u30b9\u30c8\u306f\u88cf\u8179\u3067\u3059\u3002<\/p>\n

 <\/p>\n

\u300c\u4e07\u304c\u4e00\u300d\u3092\u3057\u3063\u304b\u308a\u30ab\u30d0\u30fc\u3057\u305f\u3044\u3068\u3044\u3046\u4eba\u306b<\/strong><\/strong><\/h4>\n

\u4e0a\u306b\u3082\u66f8\u3044\u305f\u30aa\u30fc\u30bd\u30c9\u30c3\u30af\u30b9\u306a\u9078\u3073\u65b9\u306f\u3001PPO\u3001POS\u3001HMO\u306e\u7a2e\u985e\u306e\u9078\u629e\u304b\u3089\u5165\u308b\u65b9\u6cd5\u3067\u3059\u3002\u3067\u3082\u3001\u307f\u306a\u3055\u3093\u3001\u305d\u3093\u306a\u306b\u300c\u3053\u306e\u304a\u533b\u8005\u3055\u3093\u304c\u3044\u3044\u300d\u3068\u3044\u3046\u3053\u3060\u308f\u308a\u3063\u3066\u3042\u308b\u3093\u3067\u3057\u3087\u3046\u304b\uff1f\u5927\u5909\u306a\u75c5\u6c17\u3092\u304b\u304b\u3048\u3066\u3044\u3066\u3069\u3046\u3057\u3066\u3082\u3053\u306e\u5148\u751f\u3067\u306a\u304d\u3083\u30fb\u30fb\u30fb\u3068\u3044\u3046\u306e\u304c\u3042\u308b\u306e\u306a\u3089\u308f\u304b\u308a\u307e\u3059\u3002\u3067\u3082\u3001\u5e73\u5747\u7684\u306b\u9069\u5ea6\u306b\u5065\u5eb7\u306a\u4eba\u306a\u3089\u3001\u3042\u3093\u307e\u308a\u30d8\u30f3\u306a\u5148\u751f\u3058\u3083\u306a\u3044\u9650\u308a\u305d\u3093\u306a\u306b\u9078\u629e\u6a29\u304c\u306a\u304f\u3066\u3082\u3044\u3044\u3093\u3058\u3083\u306a\u3044\u304b\u30fb\u30fb\u3068\u601d\u3044\u307e\u305b\u3093\u304b\uff1fHMO\u306e\u5148\u751f\u3060\u3063\u3066\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u306e\u30ec\u30d3\u30e5\u30fc\u306a\u3069\u3092\u8abf\u3079\u3066\u307f\u308b\u3068\u60a3\u8005\u306b\u8a55\u5224\u306e\u3088\u3044\u5148\u751f\u306f\u3059\u3050\u898b\u3064\u304b\u308a\u307e\u3059\u3057\u3001\u308f\u305f\u3057\u306fPPO\u3084POS\u3067\u306a\u3044\u3068\u30fb\u30fb\u3068\u3044\u3046\u3053\u3060\u308f\u308a\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n

\u3068\u3044\u3046\u3053\u3068\u3067\u3001\u6559\u79d1\u66f8\u3069\u304a\u308a\u3001HMO\u3001PPO\u3001POS\u306e\u3069\u308c\u304c\u3044\u3044\u304b\u30fb\u30fb\u3068\u3044\u3046\u3068\u3053\u308d\u304b\u3089\u30b9\u30bf\u30fc\u30c8\u3059\u308b\u306e\u3067\u306f\u306a\u304f\u3066\u3001\u3044\u304d\u306a\u308a\u30dc\u30c8\u30e0\u30e9\u30a4\u30f3\u304b\u3089\u306f\u3058\u3081\u308b<\/strong>\u65b9\u6cd5\u306f\u3069\u3046\u3067\u3057\u3087\u3046\u3002\u30dc\u30c8\u30e0\u30e9\u30a4\u30f3\u3068\u306f\u3001\u5e74\u9593\u306b\u304b\u304b\u308b\u8cbb\u7528\u3067\u3001\u4e00\u756a\u6ce8\u610f\u3092\u3057\u305f\u3044\u306e\u306f\u3001Deductible\u3068Annual Out-of-Pocket Maximum\u3067\u3059\u3002<\/p>\n

\u8eca\u306e\u4fdd\u967a\u306e\u5834\u5408\u306f\u3001\u30b3\u30ea\u30b8\u30e7\u30f3\u30fb\u30b3\u30f3\u30d7\u30ea\u30d8\u30f3\u30b7\u30d6\u306bdeductible\u304c\u3042\u308a\u307e\u3059\u306d\u3002deductible\u306e\u984d\u307e\u3067\u81ea\u5df1\u8ca0\u62c5\u3057\u3066\u521d\u3081\u3066\u4fdd\u967a\u304c\u305d\u306e\u5f8c\u3092\u30ab\u30d0\u30fc\u3057\u3066\u304f\u308c\u3001deductible\u4ee5\u4e0a\u306f\u81ea\u5df1\u8ca0\u62c5\u3057\u306a\u304f\u3066\u3044\u3044\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002\u533b\u7642\u4fdd\u967a\u306e\u5834\u5408\u306f\u3061\u3087\u3063\u3068\u9055\u3044\u307e\u3059\u3002deductible\u307e\u3067\u306f\u533b\u7642\u8cbb\u3092\u6255\u308f\u306a\u3044\u3068\u3001\u4fdd\u967a\u30ab\u30d0\u30fc\u304c\u306f\u3058\u307e\u3089\u306a\u3044\u3068\u3044\u3046\u610f\u5473\u3067\u306f\u540c\u3058\u3067\u3059\u304c\u3001deductible\u3092\u8d85\u3048\u3066\u306e\u81ea\u5df1\u8ca0\u62c5\u306f\u307e\u3060\u7d9a\u304d\u307e\u3059\u3002deductible\u3092\u6e80\u305f\u3057\u305f\u5f8c\u306f\u3001co-insurance\u3092\u6255\u3044\u7d9a\u3051\u306d\u3070\u306a\u308a\u307e\u305b\u3093\u3002\u305d\u306e\u652f\u6255\u3044\u306f\u3001\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u308b\u9650\u308aAnnual Out-of-Pocket Maximum\u307e\u3067\u7d9a\u304d\u307e\u3059\u3002\u3044\u3063\u305f\u3093Annual Out-of-Pocket Maximum\u3092\u6e80\u305f\u305b\u3070\u3001\u3042\u3068\u306f\uff11\uff10\uff10\uff05\u4fdd\u967a\u304c\u30ab\u30d0\u30fc\u3057\u307e\u3059\u304c\u3001\u4e00\u5e74\u304c\u7d42\u308f\u308a\u65b0\u3057\u3044\u5e74\u306b\u306a\u308b\u3068\u3053\u308c\u306f\u30ea\u30bb\u30c3\u30c8\u3055\u308c\u307e\u3059\u306e\u3067\u3001\u307e\u305fMax\u3092\u6e80\u305f\u3059\u307e\u3067\u306f\u6255\u3044\u7d9a\u3051\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n

\u3053\u3093\u306a\u72b6\u614b\u306f\u307e\u3055\u306b\u300c\u4e07\u304c\u4e00\u300d\u3067\u3059\u3002\u3055\u308c\u3069\u3001\u300c\u4e07\u304c\u4e00\u300d\u306f\u3042\u308a\u3048\u307e\u3059\u3002\u6162\u6027\u7684\u306a\u5927\u304d\u306a\u75c5\u6c17\u3068\u8a3a\u65ad\u3055\u308c\u3001\u4f55\u5e74\u306b\u3082\u308f\u305f\u3063\u3066\u591a\u984d\u306e\u533b\u7642\u8cbb\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u5834\u5408\u306f\u3001\u6bce\u5e74\u6bce\u5e74\u3001\u81ea\u5df1\u8ca0\u62c5\u984d\u306fAnnual Out-of-Pocket\u306b\u8fd1\u3044\u3082\u306e\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n

\u4fdd\u967a\u306f\uff62\u4e07\u304c\u4e00\u300d\u306e\u3068\u304d\u306e\u305f\u3081\u306e\u3082\u306e\u3068\u5272\u308a\u5207\u308b\u30bf\u30a4\u30d7\u306e\u4eba\u306b\u306f\u3001Annual Out-of-Pocket\u3000Maximum\u306e\u4f4e\u3044\u30d7\u30e9\u30f3\uff08\u591a\u304f\u306e\u5834\u5408HMO\uff09\u3092\u9078\u3076\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u305f\u3060\u3057\u3001\u300c\u4e07\u304c\u4e00\u300d\u304c\u3057\u3063\u304b\u308a\u30ab\u30d0\u30fc\u3055\u308c\u3066\u3044\u308b\u306e\u3068\u5f15\u304d\u63db\u3048\u306b\u3001\u304a\u533b\u8005\u3055\u3093\u9078\u629e\u306e\u300c\u30d5\u30ec\u30ad\u30b7\u30d3\u30ea\u30c6\u30a3\u300d\u304c\u306a\u3044\u3053\u3068\u3068High Deductible\u30d7\u30e9\u30f3\u306b\u6bd4\u3079\u308b\u3068\u4fdd\u967a\u6599\u304c\u9ad8\u3044\u3068\u3044\u3046\u300c\u30b3\u30b9\u30c8\u300d\u304c\u3042\u308a\u307e\u3059\u3002POS\u3084PPO\u3067\u3082Annual Out-of-Pocket\u3000Maximum\u306e\u4f4e\u3044\u8a2d\u5b9a\u306e\u3082\u306e\u304c\u3042\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u300c\u30d5\u30ec\u30ad\u30b7\u30d3\u30ea\u30c6\u30a3\u300d\u3082\u5fc5\u8981\u3067\u300c\u4e07\u304c\u4e00\u300d\u3082\u3057\u3063\u304b\u308a\u30ab\u30d0\u30fc\u3057\u305f\u3044\u3068\u306a\u308c\u3070\u3001POS\u3084PPO\u3092\u9078\u3073\u307e\u3059\u3002\u30b3\u30b9\u30c8\u306f\u3055\u3089\u306b\u9ad8\u3081\u3067\u3057\u3087\u3046\u3002<\/p>\n

 <\/p>\n

\u5065\u5eb7\u3068\u7121\u4e8b\u6545\u306b\u8ced\u3051\u3066\u307f\u305f\u3044\u3068\u3044\u3046\u4eba\u306b<\/strong><\/strong><\/h4>\n

\u81ea\u5206\u3082\u5bb6\u65cf\u3082\u5065\u5eb7\u3067\u3001\u307b\u3068\u3093\u3069\u304a\u533b\u8005\u3055\u3093\u306b\u306f\u304b\u304b\u3089\u306a\u3044\u30fb\u30fb\u4eca\u306e\u3046\u3061\u306b\u306a\u308b\u3079\u304f\u5065\u5eb7\u4fdd\u967a\u6599\u3092\u30bb\u30fc\u30d6\u3057\u3066\u3001\u4ed6\u306e\u8caf\u84c4\u3084\u6295\u8cc7\u306b\u307e\u308f\u3057\u305f\u3044\u3068\u3044\u3046\u4eba\u306b\u306f\u3001\u4e00\u5e74\u3067\u6570\u767e\u30c9\u30eb\u304b\u3089\u5343\u30c9\u30eb\u4ee5\u4e0a\u306e\u7bc0\u7d04\u304c\u53ef\u80fd\u306aHigh Deductible\u30d7\u30e9\u30f3\u304c\u3044\u3044\u3067\u3057\u3087\u3046<\/strong>\u3002High Deductible\u30d7\u30e9\u30f3\u306fHRA\uff08Health Reimbursement Account\uff09\u3084HSA\uff08Health Savings Account\uff09\u3092\u5229\u7528\u3067\u304d\u308b\u5834\u5408\u3082\u591a\u304f\u3001\u3046\u307e\u304f\u5229\u7528\u3059\u308b\u3068\u3055\u3089\u306b\u7bc0\u7d04\u3067\u304d\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u82e5\u3044\u30b7\u30f3\u30b0\u30eb\u3084\u30ab\u30c3\u30d7\u30eb\u3067\u3001\u5065\u5eb7\u306b\u306f\u81ea\u4fe1\u304c\u3042\u308a\u3001\u8eca\u306e\u904b\u8ee2\u3082\u3057\u306a\u3044\u306e\u3067\u4e8b\u6545\u306b\u3082\u3042\u3046\u53ef\u80fd\u6027\u306f\u5c11\u306a\u3044\u3057\u3001\u3068\u306b\u304b\u304f\u4eca\u306e\u3046\u3061\u306b\u304a\u91d1\u3092\u8caf\u3081\u305f\u3044\u3068\u3044\u3046\u4eba\u306b\u3074\u3063\u305f\u308a\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u96c7\u7528\u4e3b\u306b\u3088\u308a\u307e\u3059\u304cHRA\u306f\u3001\u4f7f\u308f\u306a\u304b\u3063\u305f\u5206\u306f\u7fcc\u5e74\u306b\u6301\u3061\u8d8a\u3057\u30af\u30ec\u30b8\u30c3\u30c8\u3068\u3057\u3066\u8caf\u3081\u3066\u304a\u3051\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3057\u3001HSA\u306e\u307b\u3046\u306f\u81ea\u5206\u306e\u304a\u91d1\u3067\u3059\u304b\u3089\u6295\u8cc7\u3057\u3066\u5897\u3084\u3059\u3053\u3068\u3082\u3067\u304d\u307e\u3059\u3002<\/p>\n

\u305f\u3060\u3057\u3001\u300c\u75c5\u6c17\u306b\u306a\u3089\u306a\u3051\u308c\u3070\u7bc0\u7d04\u3067\u304d\u308b\u300d\u306e\u88cf\u306b\u306f\u3001\u300c\u75c5\u6c17\u306b\u306a\u308c\u3070\u5927\u304d\u306a\u51fa\u8cbb\u306b\u306a\u308b\u300d\u3068\u3044\u3046\u53ef\u80fd\u6027\u3082\u96a0\u308c\u3066\u3044\u308b\u3053\u3068\u3092\u899a\u3048\u3066\u304a\u304b\u306d\u3070\u3044\u3051\u307e\u305b\u3093\u3002\u533b\u7642\u8cbb\u304c\u9ad8\u3044\u30a2\u30e1\u30ea\u30ab\u3067\u306f\u3001\u300c\u3061\u3087\u3063\u3068\u75c5\u6c17\u300d\u306b\u306a\u3063\u3066\u3082\u3059\u3050\u306b\u6570\u5343\u30c9\u30eb\u30fb\u30ec\u30d9\u30eb\u306e\u51fa\u8cbb\u306b\u306a\u308a\u304b\u306d\u307e\u305b\u3093\u3002deductible\u306b\u9054\u3059\u308b\u307e\u3067\u306f\u4fdd\u967a\u306f\u4e00\u5207\u6255\u3063\u3066\u304f\u308c\u307e\u305b\u3093\u304b\u3089\u3001\u81ea\u5df1\u8ca0\u62c5\u3067\u3059\u3002\u4e0a\u3067\u66f8\u3044\u305f\u3088\u3046\u306b\u30ef\u30fc\u30b9\u30c8\u30fb\u30b1\u30fc\u30b9\u3067\u306f\u3001Annual Out-of-Pocket Maximum\u3092\u4f55\u5e74\u3082\u6255\u3044\u7d9a\u3051\u306d\u3070\u306a\u3089\u306a\u3044\u3068\u3044\u3046\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\u3002\u30e9\u30c3\u30ad\u30fc\u304b\u30a2\u30f3\u30e9\u30c3\u30ad\u30fc\u304b\u304c\u5927\u304d\u304f\u5206\u304b\u308c\u308b\u30d7\u30e9\u30f3<\/a>\u3068\u3044\u3046\u3053\u3068\u3067\u3057\u3087\u3046\u3002<\/p>\n

High Deductible\u30d7\u30e9\u30f3\u306e\u4eba\u6c17\u306f\u975e\u5e38\u306b\u9ad8\u307e\u3063\u3066\u3044\u307e\u3059\u3002\u591a\u304f\u306e\u4eba\u304c\u5b89\u3044\u4fdd\u967a\u6599\u3092\u6c42\u3081\u3066\u3053\u306e\u30d7\u30e9\u30f3\u306b\u4e57\u308a\u63db\u3048\u3066\u3044\u308b\u304b\u3089\u3067\u3059\u3002\u540c\u6642\u306b\u3001High Deductible\u30d7\u30e9\u30f3\u306e\u30ea\u30b9\u30af\u306b\u6c17\u3065\u304d\u59cb\u3081\u305f\u4eba\u3082\u304a\u308a\u3001\u3042\u308b\u30b5\u30a4\u30c8\u3067\u306f\u3001High Deductible\u30d7\u30e9\u30f3\u306e\u300c\u7a74\u300d\u3092\u57cb\u3081\u308b\u305f\u3081\u306b\u3001Accident Insurance(\u4e8b\u6545\u306e\u3068\u304d\u306e\u88dc\u511f\uff09\u3001Critical Illness Insurance\uff08\u30ac\u30f3\u3001\u5fc3\u81d3\u767a\u4f5c\u3001\u8133\u3044\u3063\u8840\u306a\u3069\u306e\u5834\u5408\u306e\u88dc\u511f\uff09\u3001Hospital Insurance\uff08\u5165\u9662\u4e00\u65e5\u3042\u305f\u308a\u8a2d\u5b9a\u984d\u3092\u88dc\u511f\uff09\u3092\u8ffd\u52a0\u8cfc\u5165\u3057\u307e\u3057\u3087\u3046\u3068\u52e7\u3081\u3066\u3044\u308b\u3068\u3053\u308d\u3082\u3042\u308a\uff08\u30b5\u30a4\u30c8\u904b\u55b6\u8005\u306f\u4fdd\u967a\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u3002\u3002\uff09\u3001\u306a\u3093\u304b\u3053\u308c\u3067\u306f\u7bc0\u7d04\u3057\u305f\u4fdd\u967a\u6599\u3067\u5225\u306e\u4fdd\u967a\u3092\u8cb7\u3046\u3088\u3046\u3067\u3001\u3061\u3087\u3063\u3068\u7406\u89e3\u306b\u82e6\u3057\u307f\u307e\u3059\u304c\u3001\u30dd\u30a4\u30f3\u30c8\u306f\u305d\u308c\u3060\u3051\u300c\u7a74\u300d\u304c\u3042\u308b\u304b\u3082\u3057\u308c\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n

\u307e\u305f\u3001\u6700\u8fd1\u306e\u8abf\u67fb\u3067\u3001\u300cHigh Deductible\u30d7\u30e9\u30f3\u306b\u5165\u3063\u3066\u3044\u308b\u4eba\u306f\u3001\u81ea\u8cbb\u8ca0\u62c5\u304c\u5927\u304d\u3044\u305f\u3081\uff08Deductible\u306b\u9054\u3059\u308b\u307e\u3067\u306f100%\uff09\u3001\u3064\u3044\u3064\u3044\u5fc5\u8981\u306a\u30e1\u30c7\u30a3\u30ab\u30eb\u30fb\u30b1\u30a2\u3084\u8a3a\u5bdf\u3092\u30b9\u30ad\u30c3\u30d7\u3057\u305f\u308a\u9045\u3089\u305b\u305f\u308a\u3059\u308b\u50be\u5411\u304c\u3042\u308b\u300d\u3068\u3044\u3046\u3053\u3068\u304c\u308f\u304b\u3063\u3066\u304d\u3066\u3044\u307e\u3059\u3002\u5bdf\u3057\u304c\u3064\u304d\u307e\u3059\u306d\u3002\u300c\u305f\u3076\u3093\u305f\u3044\u3057\u305f\u3053\u3068\u306a\u3044\u3051\u3069\u3001\u3069\u3046\u3082\u6c17\u306b\u306a\u308b\u300d\u3068\u3044\u3046\u3068\u304d\u3001\u51fa\u8cbb\u304ccopay\u306e$15\u3060\u3051\u3068\u3044\u3046\u306a\u3089\u3042\u3093\u307e\u308a\u8003\u3048\u306a\u3044\u3067\u884c\u304d\u307e\u3059\u304c\u3001\u5168\u90e8\u3067$500\u306e\u81ea\u5df1\u8ca0\u62c5\uff08\u3057\u304b\u3082\u984d\u306f\u884c\u3063\u3066\u307f\u308b\u307e\u3067\u3088\u304f\u308f\u304b\u3089\u306a\u3044\uff09\u3068\u306a\u308b\u3068\u3001\u5148\u5ef6\u3070\u3057\u306b\u3057\u305f\u304f\u306a\u308a\u307e\u3059\u3002$500\u304b\u304b\u3063\u3066\u3082\u3001\u305d\u308c\u306f\u3082\u3068\u3082\u3068\u627f\u77e5\u6e08\u307f\u306e\u30b3\u30b9\u30c8\u3067\u3001HRA\u304b\u3089\u652f\u6255\u3046\u306e\u3060\u304b\u3089\u640d\u3067\u306f\u306a\u3044\u30fb\u30fb\u30fb\u3068\u5272\u308a\u5207\u308b\u3053\u3068\u304c\u3067\u304d\u308c\u3070\u3044\u3044\u306e\u3067\u3059\u3002High Deductible\u30d7\u30e9\u30f3\u306b\u52a0\u5165\u3059\u308b\u5834\u5408\u306b\u306f\u3001\u305d\u306e\u3088\u3046\u306a\u5272\u308a\u5207\u308a\u304c\u5fc5\u8981\u3067\u3059\u3002\u305d\u3046\u3067\u306a\u3044\u3068\u3001\u5065\u5eb7\u3068\u3044\u3046\u4e00\u756a\u306e\u8ca1\u7523\u3092\u58ca\u3057\u3066\u3057\u307e\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u305b\u3093\u3002<\/p>\n

 <\/p>\n

\uff13\u3064\u306e\u30bf\u30a4\u30d7\u3092\u30b0\u30e9\u30d5\u306b\u3057\u3066\u307f\u308b\u3068\u30fb\u30fb\u30fb<\/h2>\n

\u5148\u306b\u3082\u66f8\u3044\u305f\u3068\u304a\u308a\u3001\u672c\u5e74\u306e\u30aa\u30fc\u30d7\u30f3\u30fb\u30a8\u30f3\u30ed\u30fc\u30eb\u30e1\u30f3\u30c8\u3067\u306f\u3001\u53bb\u5e74\u306b\u304f\u3089\u3079\u96c7\u7528\u4e3b\u304c\u4fdd\u967a\u30d7\u30e9\u30f3\u306e\u6bd4\u8f03\u30c4\u30fc\u30eb\u3092\u62e1\u5145\u3057\u3066\u3044\u308b\u50be\u5411\u304c\u3042\u308a\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u5065\u5eb7\u72b6\u614b\u306b\u3088\u3063\u3066\u3069\u306e\u304f\u3089\u3044\u30c8\u30fc\u30bf\u30eb\u533b\u7642\u8cbb\u304c\u5909\u308f\u3063\u3066\u304f\u308b\u304b\u3092\u3001\u7c21\u5358\u306b\u8a08\u7b97\u3067\u304d\u308b\u30ab\u30ea\u30e5\u30ad\u30e5\u30ec\u30fc\u30bf\u3082\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u5834\u5408\u304c\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u305c\u3072\u5229\u7528\u3055\u308c\u308b\u3068\u3088\u3044\u3067\u3057\u3087\u3046\u3002\u4e0b\u306f\u3001\u305d\u306e\u3088\u3046\u306a\u30ab\u30ea\u30ad\u30e5\u30ec\u30fc\u30bf\u3092\u4f7f\u3063\u3066\u6211\u304c\u5bb6\u306e\u9078\u629e\u80a2\u3092\u30b0\u30e9\u30d5\u5316\u3057\u305f\u3082\u306e\u3067\u3059\u3002\u6a2a\u8ef8\u304c\u3001\u5065\u5eb7\u72b6\u614b\u3067\u3059\u3002\u300c\u5065\u5eb7\u826f\u597d\u300d\u306a\u5834\u5408\u3001\u300c\u5c11\u3005\u306e\u75c5\u6c17\u300d\u3092\u3057\u305f\u5834\u5408\u3001\u300c\u5b9a\u671f\u7684\u306a\u6cbb\u7642\u300d\u3092\u8981\u3059\u308b\u5834\u5408\u3001\u300c\u5927\u304d\u306a\u75c5\u6c17\u300d\u3092\u3057\u305f\u5834\u5408\u306e\uff14\u3064\u3067\u3001\u4fdd\u967a\u6599\uff0b\u81ea\u5df1\u8ca0\u62c5\u533b\u7642\u8cbb\u306e\u30c8\u30fc\u30bf\u30eb\u30fb\u30b3\u30b9\u30c8\u304c\u3069\u306e\u3088\u3046\u306b\u5909\u5316\u3059\u308b\u304b\u30d7\u30ed\u30c3\u30c8\u3057\u307e\u3057\u305f\u3002<\/p>\n

\"\"<\/a><\/p>\n

\u4e00\u756a\u4e0b\u306b\u4f4d\u7f6e\u3059\u308b\u3075\u305f\u3064\u3001Kaiser HMO\u3068HealthNet B&G HMO\u306f\u3001\u5065\u5eb7\u72b6\u614b\u304c\u3069\u3046\u3067\u3042\u308c\u533b\u7642\u8cbb\u306b\u5927\u304d\u306a\u5909\u5316\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u307e\u305f\u3001HMO\u3068\u3044\u3046\u3053\u3068\u3067\u533b\u5e2b\u9078\u3073\u306e\u30d5\u30ec\u30ad\u30b7\u30d3\u30ea\u30c6\u30a3\u304c\u306a\u3044\u5206\u3001\u30b3\u30b9\u30c8\u306f\u6700\u5b89\u306b\u306a\u3063\u3066\u3044\u308b\u30b0\u30eb\u30fc\u30d7\u3067\u3059\u3002<\/p>\n

\u305d\u306e\u4e0a\u306b\u4f4d\u7f6e\u3059\u308b\u3075\u305f\u3064\u3001Anthem Plus POS\u3068HealthNet HMO\u306f\u3001\u5148\u306e\u3075\u305f\u3064\u306eHMO\u306b\u6bd4\u3079\u533b\u5e2b\u9078\u3073\u306e\u30d5\u30ec\u30ad\u30b7\u30d3\u30ea\u30c6\u30a3\u304c\u9ad8\u304f\u306a\u3063\u3066\u3044\u307e\u3059\uff08HelathNet HMO\u3068HealthNet B&G HMO\u306f\u3001\u533b\u5e2b\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306e\u5927\u304d\u3055\u304c\u9055\u3044\u307e\u3059\u3002\u524d\u8005\u306f\u9078\u629e\u80a2\u304c\u5927\u304d\u304f\u3001\u5f8c\u8005\u306f\u305d\u308c\u304c\u9650\u3089\u308c\u3066\u3044\u307e\u3059\uff09\u3002\u30d5\u30ec\u30ad\u30b7\u30d3\u30ea\u30c6\u30a3\u304c\u9ad8\u3044\u5206\u3001\u30b3\u30b9\u30c8\u306f\u9ad8\u304f\u306a\u308a\u307e\u3059\uff08\u4e3b\u306b\u4fdd\u967a\u6599\u304c\u9ad8\u304f\u306a\u308b\uff09\u3002\u3057\u304b\u3057\u3001\u5065\u5eb7\u72b6\u614b\u304c\u3069\u3046\u3067\u3042\u308c\u533b\u7642\u8cbb\u306e\u30c8\u30fc\u30bf\u30eb\u304c\u5927\u304d\u304f\u5909\u5316\u3059\u308b\u3053\u3068\u306f\u306a\u304f\u3001\u300c\u4e07\u304c\u4e00\u300d\u306e\u5834\u5408\u3082\u3057\u3063\u304b\u308a\u30ab\u30d0\u30fc\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u3053\u308c\u3089\u306e\u4e0a\u3092\u6a2a\u5207\u3063\u3066\u3044\u308bAnthem Lumenos PPO\u306fHigh Deductible\u30d7\u30e9\u30f3\u3067\u3059\u3002\u5065\u5eb7\u304c\u826f\u597d\u306a\u5834\u5408\u306f\u30b3\u30b9\u30c8\u304c\u4f4e\u304f\u3059\u307f\u307e\u3059\u304c\u3001\u75c5\u6c17\u3092\u3057\u305f\u308a\u602a\u6211\u3092\u3059\u308b\u3068\u6025\u901f\u306b\u30c8\u30fc\u30bf\u30eb\u30fb\u30b3\u30b9\u30c8\u304c\u4e0a\u304c\u3063\u3066\u3044\u304d\u307e\u3059\uff08\u81ea\u5df1\u8ca0\u62c5\u533b\u7642\u8cbb\u304c\u5927\u304d\u304f\u306a\u308b\uff09\u3002\u30e9\u30c3\u30ad\u30fc\u304b\u30a2\u30f3\u30e9\u30c3\u30ad\u30fc\u304b\u304c\u5206\u304b\u308c\u308b\u30d7\u30e9\u30f3\u3067\u3042\u308b\u3086\u3048\u3093\u3067\u3059\u3002<\/p>\n

\u4e00\u756a\u4e0a\u306eAnthem PPO\u306f\u4e00\u756a\u9ad8\u3044\u30d7\u30e9\u30f3\u3067\u3059\u3002PCP\u3092\u9078\u3076\u5fc5\u8981\u3082\u306a\u304f\u3001\u5b8c\u5168\u306b\u81ea\u7531\u306b\u304a\u533b\u8005\u3055\u3093\u9078\u3073\u304c\u3067\u304d\u3001Deductible\u306e\u8a2d\u5b9a\u3082\u6bd4\u8f03\u7684\u4f4e\u3044\u306e\u3067\u3059\u304c\u3001Annual Out-of-Pocket Maximum\u304c\u5927\u304d\u3044\u306e\u3067\u3001\u5065\u5eb7\u72b6\u614b\u306b\u3088\u3063\u3066\u30c8\u30fc\u30bf\u30eb\u30fb\u30b3\u30b9\u30c8\u304c\u5927\u304d\u304f\u5909\u5316\u3057\u307e\u3059\u3002<\/p>\n

 <\/p>\n

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