Healthcare Marketplace\u3068\u304bHealth Insurance Exchange<\/a>\u3068\u3044\u3046\u540d\u3067\u547c\u3070\u308c\u308b\u3001\u5dde\u3054\u3068\u306b\u63d0\u4f9b\u3055\u308c\u308b\u5065\u5eb7\u4fdd\u967a\u8cfc\u5165\u30b5\u30a4\u30c8\u304c\u7acb\u3061\u4e0a\u304c\u308a\u307e\u3057\u305f\u3002\u8cfc\u5165\u3067\u304d\u308b\u5065\u5eb7\u4fdd\u967a\u306b\u306f\uff14\u3064\u306e\u30ec\u30d9\u30eb\u304c\u3042\u308a\u3001Platinum\u3001Gold\u3001Silver\u3001Bronze\u3068\u5225\u308c\u3001\u4e0a\u304b\u3089\u533b\u7642\u8cbb\u306e90\uff05\u300180\uff05\u300170\uff05\u300160\uff05\u3092\u30ab\u30d0\u30fc\u3059\u308b\u3053\u3068\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u4e00\u65b9\u3001\u4f01\u696d\u304c\u63d0\u4f9b\u3059\u308b\u5065\u5eb7\u4fdd\u967a\u306f\u3001\u3053\u308c\u307e\u3067\u4e00\u822c\u7684\u306b80\uff05\u307b\u3069\u306e\u30ab\u30d0\u30fc\u306e\u3082\u306e\u304c\u591a\u304f\u3042\u308a\u307e\u3057\u305f\u3002\u3068\u3053\u308d\u304c\u3001\u30b3\u30b9\u30c8\u5897\u306b\u3042\u3048\u3050\u96c7\u7528\u4e3b\u306f\u3001\u4e0a\u306eSilver \u3084Bronze\u30ec\u30d9\u30eb\u306b\u76ee\u6a19\u5024\u3092\u4e0b\u3052\u300160\uff05\uff5e70\uff05\u30ab\u30d0\u30fc\u306e\u5065\u5eb7\u4fdd\u967a\u30d1\u30c3\u30b1\u30fc\u30b8\u3092\u3064\u304f\u308b\u3088\u3046\u53d6\u5f15\u4fdd\u967a\u4f1a\u793e\u3068\u4ea4\u6e09\u3092\u3059\u3059\u3081\u3066\u3044\u308b\u3068\u3044\u3046\u3088\u3046\u306a\u5411\u304d\u3082\u898b\u3089\u308c\u308b\u305d\u3046\u3067\u3059\u3002<\/p>\n <\/p>\n
\u7b2c\u4e00\u30d5\u30a7\u30fc\u30ba\u3000\u2013\u3000High Deductible \u30d7\u30e9\u30f3<\/h2>\n
\u4e0a\u3067\u898b\u3089\u308c\u308b\u3088\u3046\u306b\u3001\u96c7\u7528\u4e3b\u306f\u96c7\u7528\u8005\u306e\u500b\u4eba\u8ca0\u62c5\u3092\u5f15\u304d\u4e0a\u3052\u308b\u3053\u3068\u306b\u3088\u3063\u3066\u3001\u306a\u3093\u3068\u304b\u4f01\u696d\u5074\u306e\u30b3\u30b9\u30c8\u3092\u6291\u3048\u3088\u3046\u3057\u3066\u3044\u307e\u3059\u3002\u500b\u4eba\u8ca0\u62c5\u306f\u3044\u308d\u3044\u308d\u306a\u5f62\u3067\u3084\u3063\u3066\u304d\u307e\u3059\u3002\u4fdd\u967a\u3092\u4f7f\u3046\u5834\u5408\u306e\u81ea\u5df1\u8ca0\u62c5\u984d\u306e\u5897\u52a0\u306b\u52a0\u3048\u3001\u4fdd\u967a\u6599\u8ca0\u62c5\u306e\u5897\u52a0\u3068\u3044\u3046\u5f62\u3067\u3082\u3084\u3063\u3066\u304d\u307e\u3059\u3002\u4f01\u696d\u306b\u3068\u3063\u3066\u3082\u3063\u3068\u3082\u9ad8\u304f\u3064\u304f\u30d5\u30a1\u30df\u30ea\u30fc\u30d7\u30e9\u30f3\u4fdd\u967a\u6599\u306e\u500b\u4eba\u8ca0\u62c5\u6bd4\u7387\u3092\u3001\u4eca\u5f8c\u3072\u304d\u4e0a\u3052\u3066\u3044\u304f\u4e88\u5b9a\u304c\u3042\u308b\u3068\u3057\u305f\u5927\u4f01\u696d\u306f18\uff05\u306b\u4e0a\u308a\u307e\u3057\u305f\u3002\u500b\u4eba\u30d7\u30e9\u30f3\u306e\u5834\u5408\u306f10\uff05\u3067\u3057\u305f\u3002\u307e\u305f\u300147\uff05\u306e\u4f01\u696d\u304c\u3001Deductible\u3084Copayment\u306e\u96c7\u7528\u8005\u8ca0\u62c5\u3092\u5f15\u304d\u4e0a\u3052\u308b\u4e88\u5b9a\u3067\u3042\u308b\u3068\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n
Deductible \u3001Copayment\u3001Coinsurance\u306a\u3069\u3092\u7dcf\u5408\u3057\u305f\u96c7\u7528\u8005\u8ca0\u62c5\u984d\u306f\u30012013\u5e74\u306b\u306f13\uff05\u5897\u52a0\u3057$2,239\u306b\u306a\u308a\u307e\u3057\u305f\u30022014\u5e74\u306b\u306f\u3055\u3089\u306b10\uff05\u5897\u52a0\u3057$2,470\u306b\u306a\u308a\u30012015\u5e74\u306b\u306f\u3055\u3089\u306b8\uff05\u5897\u52a0\u3057$2,664\u3068\u4e88\u60f3\u3055\u308c\u308b\u305d\u3046\u3067\u3059\u3002\u3053\u306e\u52e2\u3044\u3067\u4f38\u3073\u7d9a\u3051\u308c\u3070\u3001\u96c7\u7528\u8005\u500b\u4eba\u304c2015\u5e74\u6642\u306b\u6255\u3046\u4fdd\u967a\u6599\uff0b\u81ea\u5df1\u8ca0\u62c5\u984d\u306f\u30012010\u5e74\u6642\u306e55\uff05\u5897\u3067\u3042\u308b\u3068\u4e88\u60f3\u3055\u308c\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n
\u3053\u306e\u3088\u3046\u306a\u50be\u5411\u306e\u88cf\u306b\u306f\u3001\u6700\u8fd1\u79fb\u884c\u304c\u9032\u3093\u3067\u304d\u305fHigh Deductible\u30d7\u30e9\u30f3\u304c\u3042\u308a\u307e\u3059\u3002High Deductible\u30d7\u30e9\u30f3\u306f\u3001\u5065\u5eb7\u3067\u3042\u307e\u308a\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u4f7f\u308f\u306a\u3044\u4eba\u306a\u3089\u4fdd\u967a\u6599\u304c\u975e\u5e38\u306b\u4f4e\u304f\u6291\u3048\u3089\u308c\u3068\u3044\u3046\u7279\u5178\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u306e\u4e0aHealth Savings Account\u3082\u4e00\u7dd2\u306b\u96c7\u7528\u8005\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3068\u3057\u3066\u63d0\u4f9b\u3055\u308c\u308b\u5834\u5408\u304c\u591a\u304f\u3001\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u96c7\u7528\u4e3b\u304c\u3044\u304f\u3089\u304b\u7a4d\u307f\u7acb\u3066\u3066\u304f\u308c\u308b\u304a\u307e\u3051\u3082\u3064\u3044\u3066\u304f\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u7a0e\u512a\u9047\u3067\u6295\u8cc7\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u3001\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u8cc7\u91d1\u306b\u3082\u5145\u3066\u3089\u308c\u308b\u306a\u3069\u9b45\u529b\u7684\u306a\u30dd\u30a4\u30f3\u30c8\u304c\u305f\u304f\u3055\u3093\u3046\u305f\u308f\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u306ePR\u6226\u7565\u304c\u529f\u3092\u594f\u3057\u3001\u3053\u3053\u6570\u5e74\u3067\u4eba\u6c17\u304c\u3050\u3093\u3068\u9ad8\u307e\u308a\u3001\u5f93\u6765\u306eHMO\u3084PPO\u304b\u3089High Deductible\u30d7\u30e9\u30f3\u3078\u306e\u79fb\u884c\u304c\u9032\u307f\u307e\u3057\u305f\u3002<\/p>\n
\u3057\u304b\u3057\u306a\u304c\u3089\u3001High Deductible\u30d7\u30e9\u30f3\u306fConsumer Directed Health Plan\uff08\u6d88\u8cbb\u8005\u304c\u88c1\u91cf\u3059\u308b\u30d8\u30eb\u30b9\u30fb\u30d7\u30e9\u30f3\uff09\u3068\u547c\u3070\u308c\u3001\u533b\u7642\u8cbb\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u306e\u8cac\u4efb\u3092\u3001\u4fdd\u967a\u4f1a\u793e\u3084\u96c7\u7528\u4e3b\u306a\u3069\u304b\u3089\u3001\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u308b\u500b\u4eba\u306b\u79fb\u3059\u3053\u3068\u3092\u76ee\u7684\u306b\u3057\u3066\u3044\u308b\u3082\u306e\u3067\u3042\u308a\u3001\u300c\u81ea\u5df1\u8cac\u4efb\u306e\u533b\u7642\u300d\u3068\u3044\u3046\u975e\u5e38\u306b\u30b7\u30d3\u30a2\u306a\u9078\u629e\u3067\u3082\u3042\u308a\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u5f93\u6765\u306eHMO\u3067\u306f\u3001\u5c02\u9580\u533b\u3084\u30c6\u30b9\u30c8\u30bb\u30f3\u30bf\u30fc\u306e\u9078\u629e\u3001\u305d\u3053\u3067\u4fdd\u967a\u304c\u5229\u304f\u304b\u5229\u304b\u306a\u3044\u304b\u306e\u78ba\u8a8d\u306a\u3069\u306f\u3001\u30d7\u30e9\u30a4\u30de\u30ea\u30fc\u30b1\u30a2\u30c9\u30af\u30bf\u30fc\u306e\u8cac\u4efb\u3067\u3042\u308a\u3001\u60a3\u8005\u306f\u533b\u5e2b\u306e\u6307\u793a\u306e\u3068\u304a\u308a\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u3066\u3044\u308b\u9650\u308a\u3001Copayment\u4ee5\u5916\u306e\u533b\u7642\u8cbb\u306b\u3064\u3044\u3066\u306f\u307e\u3063\u305f\u304f\u5fc3\u914d\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u3042\u3068\u3067\u3073\u3063\u304f\u308a\u3059\u308b\u3088\u3046\u306a\u533b\u7642\u8cbb\u8acb\u6c42\u304c\u3042\u3061\u3053\u3061\u304b\u3089\u304f\u308b\u306a\u3069\u3068\u3044\u3046\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3067\u3057\u305f\u3002\u3068\u3053\u308d\u304c\u3001Consumer Directed Health Plan\uff08\u6d88\u8cbb\u8005\u304c\u88c1\u91cf\u3059\u308b\u30d8\u30eb\u30b9\u30fb\u30d7\u30e9\u30f3\uff09\u3067\u306f\u3001\u5c02\u9580\u533b\u3001\u30c6\u30b9\u30c8\u30bb\u30f3\u30bf\u30fc\u306e\u9078\u629e\u3084\u5024\u6bb5\u306e\u78ba\u8a8d\u3001\u4fdd\u967a\u304c\u3069\u306e\u304f\u3089\u3044\u5229\u304f\u304b\u306e\u78ba\u8a8d\u306a\u3069\u306e\u6700\u7d42\u8cac\u4efb\u306f\u3059\u3079\u3066\u60a3\u8005\u306b\u307e\u304b\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u75c5\u6c17\u3092\u3057\u306a\u3051\u308c\u3070\u5b89\u304f\u6e08\u3080High Deductible\u30d7\u30e9\u30f3\u3082\u3001\u3061\u3087\u3063\u3068\u5927\u304d\u306a\u75c5\u6c17\u3084\u602a\u6211\u3092\u3059\u308b\u3068\u5927\u304d\u306a\u51fa\u8cbb\u3092\u62b1\u3048\u308b\u5371\u967a\u6027\u3092\u306f\u3089\u3093\u3067\u3044\u307e\u3059\u3002<\/p>\n
\u305d\u3057\u3066\u305d\u3053\u304c\u4f01\u696d\u306e\u72d9\u3046\u3068\u3053\u308d\u3067\u3001\u8cac\u4efb\u3068\u30ea\u30b9\u30af\u3092\u96c7\u7528\u8005\u306b\u30b7\u30d5\u30c8\u3059\u308b\u3053\u3068\u3067\u30b3\u30b9\u30c8\u524a\u6e1b\u304c\u5b9f\u73fe\u3057\u3088\u3046\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u96c7\u7528\u8005\u304cHigh Deductible\u30d7\u30e9\u30f3\u3092\u9078\u3076\u3068\u3001HMO\u30d7\u30e9\u30f3\u306b\u6bd4\u3079\u306620\uff05\u306e\u30b3\u30b9\u30c8\u524a\u6e1b\u3001\u3075\u3064\u3046\u306e\uff08High Deductible\u3067\u306a\u3044\uff09PPO\u30d7\u30e9\u30f3\u306b\u6bd4\u3079\u306617\uff05\u306e\u30b3\u30b9\u30c8\u524a\u6e1b\u304c\u5b9f\u73fe\u3059\u308b\u305d\u3046\u3067\u3059\u3002\u73fe\u5728\u3067\u306f66\uff05\u306e\u96c7\u7528\u4e3b\u304cHigh Deductible\u30d7\u30e9\u30f3\u3092\u63d0\u4f9b\u3057\u3066\u304a\u308a\u3001\u4f1a\u793e\u306b\u3088\u3063\u3066\u306fHigh Deductible\u30d7\u30e9\u30f3\u306e\u307f\u63d0\u4f9b\u3057\u3066\u3044\u308b\u3068\u3044\u3046\u3068\u3053\u308d\u3082\u3042\u308a\u307e\u3059\u300244\uff05\u306e\u4f01\u696d\u304c\u4eca\u5f8c3\u5e74\u304b\u30895\u5e74\u304b\u3051\u3066\u3001High Deductible\u30d7\u30e9\u30f3\u3060\u3051\u306e\u63d0\u4f9b\u306b\u5207\u308a\u66ff\u3048\u308b\u4e88\u5b9a\u3060\u305d\u3046\u3067\u3059\u3002<\/p>\n
High Deductible\u30d7\u30e9\u30f3\u306f\u3044\u3063\u3066\u307f\u308c\u3070\u3001\u79c1\u305f\u3061\u306b\u3068\u3063\u3066\u306f\u30cf\u30a4\u30ea\u30b9\u30af\u30fb\u30cf\u30a4\u30ea\u30bf\u30fc\u30f3\u306e\u5065\u5eb7\u4fdd\u967a\u3067\u3059\u3002\u3046\u307e\u304f\u3044\u3051\u3070\u3068\u3066\u3082\u30b3\u30b9\u30c8\u524a\u6e1b\u3067\u304d\u308b\u304c\u3001\u3072\u3069\u3044\u3068\u5927\u304d\u306a\u533b\u7642\u8acb\u6c42\u3092\u62b1\u3048\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3082\u306e\u3067\u3059\u3002\u4f01\u696d\u304c17\uff05\u306a\u308a20\uff05\u306a\u308a\u306e\u30b3\u30b9\u30c8\u524a\u6e1b\u304c\u3067\u304d\u308b\u3068\u3044\u3046\u3053\u3068\u306f\u3001\u62bc\u3057\u306a\u3079\u3066\u5e73\u5747\u3059\u308c\u3070\u305d\u306e\u30b3\u30b9\u30c8\u5206\u3092\u60a3\u8005\u304c\u8ca0\u62c5\u3057\u3066\u3044\u308b\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u306d\u3002\u30ab\u30b8\u30ce\u30d3\u30b8\u30cd\u30b9\u306e\u539f\u7406\u3067\u3059\u3002\u5927\u3082\u3046\u3051\u3059\u308b\u30ae\u30e3\u30f3\u30d6\u30e9\u30fc\u3082\u3044\u308b\u304c\u3001\u62bc\u3057\u306a\u3079\u308c\u3070\u7d76\u5bfe\u30ab\u30b8\u30ce\u304c\u52dd\u3064\u3002\u3002\u3053\u306e\u3042\u305f\u308a\u306e\u3068\u3053\u308d\u3092\u73fe\u5b9f\u3068\u3057\u3066\u304d\u3061\u3093\u3068\u6355\u3089\u3048\u3066\u304a\u304d\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n
<\/p>\n
\u7b2c\u4e8c\u30d5\u30a7\u30fc\u30ba\u3000\u2013\u3000401(k)\u5316<\/h2>\n
\u3055\u3066\u4f01\u696d\u306e\u30b3\u30b9\u30c8\u524a\u6e1b\u7b56\u306f\u307e\u3060\u307e\u3060\u7d9a\u304d\u307e\u3059\u3002\u4eca\u5f8c\u6570\u5e74\u9593\u3067\u5c0e\u5165\u304c\u59cb\u307e\u308b\u3068\u4e88\u60f3\u3055\u308c\u308b\u306e\u304c\u3001Private Exchange\u578b\u3067\u306e\u5065\u5eb7\u4fdd\u967a\u63d0\u4f9b\u3067\u3059\u3002\u96c7\u7528\u8005\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3068\u3057\u3066\u5065\u5eb7\u4fdd\u967a\u306f\u63d0\u4f9b\u3057\u305f\u3044\u304c\u3001\u5897\u52a0\u3057\u7d9a\u3051\u308b\u30b3\u30b9\u30c8\u3068\u8907\u96d1\u5316\u3059\u308b\u6cd5\u5f8b\u3078\u306e\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\uff08\u9075\u5b88\uff09\u306b\u60a9\u3080\u4f01\u696d\u306f\u3001\u5916\u6ce8\u5316\u306e\u9b45\u529b\u3092\u611f\u3058\u3066\u3044\u307e\u3059\u3002\u73fe\u5728\u5404\u5dde\u304c\u63d0\u4f9b\u3057\u3066\u3044\u308bHealth Insurance Exchange\u306e\u30d7\u30e9\u30a4\u30d9\u30fc\u30c8\u7248\uff08Private Exchange\uff09\u3092\u5229\u7528\u3059\u308b\u65b9\u6cd5\u3067\u3059\u3002\u4f01\u696d\u306f\u3001\u81ea\u793e\u7528\u306b\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u3055\u308c\u305f\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u3092\u7d44\u307f\u63d0\u4f9b\u3059\u308b\u4ee3\u308f\u308a\u306b\u3001\u5065\u5eb7\u4fdd\u967a\u8cfc\u5165\u306e\u305f\u3081\u306b\u4e00\u5b9a\u984d\u3092\u96c7\u7528\u8005\u306b\u4ed8\u4e0e\u3057\u307e\u3059\u3002\u96c7\u7528\u8005\u306f\u3001\u305d\u306e\u304a\u91d1\u3092\u4f7f\u3063\u3066\u3001Private E\uff58change\u3067\u63d0\u4f9b\u3055\u308c\u3066\u3044\u308b\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u306e\u4e2d\u304b\u3089\u81ea\u5206\u306e\u30cb\u30fc\u30ba\u306b\u3042\u3063\u305f\u3082\u306e\u3092\u8cb7\u3046\u3068\u3044\u3046\u3057\u304f\u307f\u3067\u3059\u3002\u3044\u308f\u3070\u4f01\u696d\u30da\u30f3\u30b7\u30e7\u30f3\uff08Defined Benefit Plan\uff1d\u5c06\u6765\u3082\u3089\u3048\u308b\u5e74\u91d1\u984d\u304c\u5b9a\u984d\uff09\u304b\u3089\u3001401(k)\u306a\u3069\u306eDefined Contribution Plan\uff08\u4f01\u696d\u304c\u4e00\u5b9a\u984d\u3092\u4ed8\u4e0e\u3057\u3066\u3001\u305d\u308c\u3092\u96c7\u7528\u8005\u304c\u597d\u304d\u306b\u6295\u8cc7\u3002\u5c06\u6765\u3082\u3089\u3048\u308b\u984d\u306f\u81ea\u5206\u306e\u6295\u8cc7\u6210\u7e3e\u6b21\u7b2c\uff09\u3078\u306e\u30b7\u30d5\u30c8\u306e\u5065\u5eb7\u4fdd\u967a\u30d0\u30fc\u30b8\u30e7\u30f3\u3067\u3059\u3002\u73fe\u572844\uff05\u306e\u4f01\u696d\u304c\u3001\u3053\u306e\u3088\u3046\u306a\u3084\u308a\u65b9\u304c\u597d\u307e\u3057\u3044\u3068\u3044\u3046\u610f\u5411\u3092\u8868\u660e\u3057\u3066\u3044\u308b\u305d\u3046\u3067\u3059\u3002<\/p>\n
\u30da\u30f3\u30b7\u30e7\u30f3\u3067\u306f\u3001\u6295\u8cc7\u3092\u3057\u3066\u5c06\u6765\u4e00\u5b9a\u984d\u306e\u5e74\u91d1\u3092\u78ba\u4fdd\u3059\u308b\u8cac\u4efb\u3092\u4f01\u696d\u304c\u8ca0\u3063\u3066\u3044\u307e\u3057\u305f\u304c\u3001401(k)\u3067\u306f\u3001\u4f01\u696d\u306f\u5e74\u3005\u4e00\u5b9a\u984d\u3092\u96c7\u7528\u8005\u306b\u4ed8\u4e0e\u3059\u308b\u3068\u3044\u3046\u9650\u3089\u308c\u305f\u8cac\u4efb\u3092\u8ca0\u3046\u306e\u307f\u306b\u306a\u308a\u307e\u3057\u305f\u3002\u6295\u8cc7\u6210\u7e3e\u306e\u30ea\u30b9\u30af\u306f\u4f01\u696d\u304b\u3089\u96c7\u7528\u8005\u306b\u30b7\u30d5\u30c8\u3057\u3001\u4e0d\u78ba\u5b9a\u8981\u7d20\u306f\u96c7\u7528\u8005\u306e\u5fc3\u914d\u3059\u308b\u3068\u3053\u308d\u3068\u306a\u308a\u307e\u3057\u305f\u3002\u3053\u308c\u3068\u540c\u3058\u3053\u3068\u304c\u3001\u5065\u5eb7\u4fdd\u967a\u3067\u3082\u8d77\u3053\u308d\u3046\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u4fdd\u967a\u306e\u9078\u629e\u3001\u4fdd\u967a\u306e\u5229\u7528\u306f\u3059\u3079\u3066\u96c7\u7528\u8005\u306e\u8ca0\u3046\u3068\u3053\u308d\u3067\u3042\u3063\u3066\u3001\u4f01\u696d\u306f\u6c7a\u3081\u3089\u308c\u305f\u91d1\u984d\u3092\u51fa\u3059\u3060\u3051\u3002<\/p>\n
\u3053\u306e\u5236\u5ea6\u304c\u5c0e\u5165\u3055\u308c\u308b\u3068\u304d\u306b\u306f\u3001High Deductible\u30d7\u30e9\u30f3\u304c\u5c0e\u5165\u3055\u308c\u305f\u3068\u304d\u3068\u540c\u69d8\u3001\u83ef\u3005\u3057\u3044PR\u6d3b\u52d5\u304c\u3055\u308c\u308b\u3067\u3057\u3087\u3046\u3002\u300c\u307f\u306a\u3055\u3093\u306f\u3001\u4f01\u696d\u306e\u63d0\u4f9b\u3059\u308b\u9650\u3089\u308c\u305f\u4fdd\u967a\u30d7\u30e9\u30f3\u306b\u7e1b\u3089\u308c\u305a\u3001\u3055\u307e\u3056\u307e\u306a\u30d7\u30e9\u30f3\u306e\u4e2d\u304b\u3089\u81ea\u7531\u306b\u9078\u629e\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u300d\u30fb\u30fb\u3068\u304b\u3001\u300c\u305d\u308c\u305e\u308c\u306e\u5065\u5eb7\u4fdd\u967a\u30d7\u30e9\u30f3\u306e\u5168\u4f53\u30b3\u30b9\u30c8\u306f\u3044\u304f\u3089\u3067\u4f01\u696d\u304c\u3044\u304f\u3089\u8ca0\u62c5\u3057\u3066\u3044\u308b\u306e\u304b\u4eca\u306f\u660e\u78ba\u3067\u306f\u306a\u3044\u304c\u3001\u3053\u308c\u3092\u3059\u3079\u3066\u628a\u63e1\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u300d\u30fb\u30fb\u3068\u304b\u3002\u3002<\/p>\n
\u79c1\u306f\u500b\u4eba\u7684\u306b\u306f\u5f93\u6765\u306eHMO\u306e\u30d5\u30a1\u30f3\u3067\u3059\u3002\u3067\u3082\u3001\u3053\u308c\u304b\u3089HMO\u304c\u9078\u3079\u306a\u304f\u306a\u308b\u53ef\u80fd\u6027\u3082\u5927\u3044\u306b\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3057\u3087\u3046\u3002\u73fe\u5728\u3067\u3082\u4e00\u90e8\u306e\u4f01\u696d\u306fConsumer Directed Health Plan\uff08\u6d88\u8cbb\u8005\u304c\u88c1\u91cf\u3059\u308b\u30d8\u30eb\u30b9\u30fb\u30d7\u30e9\u30f3\uff09\u3057\u304b\u63d0\u4f9b\u3057\u3066\u3044\u306a\u3044\u3068\u3053\u308d\u304c\u3042\u308a\u307e\u3059\u304b\u3089\u3002\u3067\u3082\u3082\u3057\u3082\u9078\u629e\u306e\u4f59\u5730\u304c\u6b8b\u3055\u308c\u3066\u3044\u308b\u306a\u3089\u3070\u3001\u4f01\u696d\u306ePR\u6d3b\u52d5\u306b\u307e\u3069\u308f\u3055\u308c\u305a\u3001\u3069\u306e\u9078\u629e\u304c\u81ea\u5206\u306e\u30cb\u30fc\u30ba\u306b\u5408\u3046\u306e\u304b\u306b\u3064\u3044\u3066\u8fd1\u8996\u773c\u7684\u3067\u306a\u3044\u9078\u629e\u3092\u3059\u308b\u3001\u305d\u306e\u59ff\u52e2\u3092\u5fd8\u308c\u306a\u3044\u3088\u3046\u306b\u3057\u305f\u3044\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"
\u30a2\u30e1\u30ea\u30ab\u306e\u5065\u5eb7\u4fdd\u967a\u3063\u3066\u3001\u672c\u5f53\u306b\u8907\u96d1\u3067\u3059\u306d\u3002\u3067\u304d\u308b\u306a\u3089\u5fd8\u308c\u3066\u3044\u305f\u3044\u3068\u601d\u3044\u307e\u305b\u3093\u304b\uff1f\u9078\u3076\u306e\u3082\u5927\u5909\u3001\u4f7f\u3046\u306e\u3082\u5927\u5909\u30fb\u30fb\u306a\u3093\u3060\u304b\u7406\u89e3\u3057\u3066\u3044\u308b\u3088\u3046\u3067\u3001\u7406\u89e3\u3067\u304d\u306a\u3044\u30fb\u30fb\u3084\u3063\u3068\u306a\u3093\u3068\u306a\u304f\u628a\u63e1\u3067\u304d\u305f\u3068\u601d\u3046\u3068\u6b21\u306e\u5e74\u306b\u306f\u5185\u5bb9\u304c\u5909\u308f\u3063\u305f\u308a\u30fb\u30fb\u3002\u5065\u5eb7\u4fdd\u967a\u3067\u60a9\u3093\u3067\u3044\u308b\u306e\u306f\u60a3\u8005\u5074\u3060\u3051\u306e\u8a71\u3067\u306f\u306a\u304f\u3001\u5b9f\u306f\u5065\u5eb7\u4fdd\u967a\u3092\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u3068\u3057\u3066\u63d0\u4f9b\u3057\u3066\u3044\u308b\u96c7\u7528\u4e3b\u3082\u3001\u305d\u306e\u30b3\u30b9\u30c8\u5897\u306b\u982d\u3092\u62b1\u3048\u3066\u3044\u307e\u3059\u3002\u30aa\u30d0\u30de\u30b1\u30a2\u304c\u5c0e\u5165\u3055\u308c\u3001\u4f01\u696d\u5074\u306f\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\uff08\u6cd5\u5f8b\u9075\u5b88\uff09\u306e\u8ca0\u62c5\u3082\u5897\u3048\u3066\u3044\u307e\u3059\u3002\u30b3\u30b9\u30c8\u524a\u6e1b\uff0b\u9075\u5b88\u306e\u8ca0\u62c5\u3092\u9003\u308c\u305f\u3044\u96c7\u7528\u4e3b\u306f\u3001\u3069\u3046\u3084\u3089\u5065\u5eb7\u4fdd\u967a\u306e401(k)\u3092\u8003\u3048\u59cb\u3081\u3066\u3044\u308b\u3088\u3046\u3067\u3059\u3002\u3053\u308c\u304b\u3089\u306e\u5065\u5eb7\u4fdd\u967a\u3069\u3046\u306a\u3063\u3066\u3044\u304f\u306e\u304b\u3001\u4eca\u65e5\u306f\u305d\u306e\u304a\u8a71<\/p>\n","protected":false},"author":1,"featured_media":4037,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[8],"tags":[30,42,45],"class_list":["post-3190","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-healthinsurance","tag-insurance-buying","tag-choosing-insurance","tag-fighting-as-consumer"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP-water-color.jpeg?fit=525%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-Ps","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/3190","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/comments?post=3190"}],"version-history":[{"count":1,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/3190\/revisions"}],"predecessor-version":[{"id":3191,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/3190\/revisions\/3191"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media\/4037"}],"wp:attachment":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/media?parent=3190"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/categories?post=3190"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/tags?post=3190"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}